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All Journal Jurnal Ijtimaiyya JMM (Jurnal Masyarakat Mandiri) Tasyri` : Jurnal Tarbiyah-Syari`ah-Islamiyah Jurnal al-Murabbi Fitrah: Journal of Islamic Education LEARNING : Jurnal Inovasi Penelitian Pendidikan dan Pembelajaran Basica Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia (JUMPER) JUMPA : Jurnal Manajemen Pendidikan International Journal of Post-Axial: Futuristic Teaching and Learning Afkarina : Jurnal Pendidikan Agama Islam International Journal of Language and Culture Jurnal Tarbiyatuna
Ali, M. Makhrus
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Behavioral Biases, Digital Payment Adoption, and Personal Financial Planning: Evidence from Millennial and Gen Z Consumers Ali, M. Makhrus; Manap, Abdul; Suroso; Pratama, Vidya Ramadhan Putra
Journal Management & Economics Review (JUMPER) Vol. 3 No. 9 (2026): March
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i9.951

Abstract

The rapid growth of digital payment systems has transformed financial behavior among younger generations, particularly millennials and Generation Z (Gen Z). While digital payments offer convenience and efficiency, their widespread adoption raises concerns regarding behavioral influences and personal financial planning. This study examines the relationships among behavioral biases, digital payment adoption, and personal financial planning among millennial and Gen Z consumers. Using a quantitative research design, data were collected through a structured survey of 320 respondents who actively use digital payment services. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test direct, mediating, and generational effects. The results indicate that behavioral biases significantly and negatively affect personal financial planning, while positively influencing digital payment adoption. Digital payment adoption is also found to have a significant negative effect on personal financial planning and partially mediates the relationship between behavioral biases and financial planning. Furthermore, multi-group analysis reveals that these negative effects are stronger among Gen Z consumers compared to millennials. These findings contribute to the behavioral finance and fintech literature by highlighting the psychological mechanisms through which digital payment systems influence financial planning. Practically, the study emphasizes the need for behavioral-based financial education and digital payment design features that promote mindful spending and long-term financial discipline among younger generations.
The Role of Teacher Professional Development, Instructional Leadership, and Organizational Culture on Teaching Performance Suwarna, A. Idun; Ali, M. Makhrus; Destari, Dina; Ilyas
Journal Management & Economics Review (JUMPER) Vol. 3 No. 9 (2026): March
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i9.965

Abstract

Teacher performance plays a crucial role in determining the quality of teaching and learning in schools. Improving teaching performance requires not only individual teacher competence but also supportive leadership, continuous professional development, and a positive organizational environment. This study aims to examine the roles of teacher professional development, instructional leadership, and organizational culture in influencing teaching performance. Using a quantitative approach, data were collected through a structured questionnaire from teachers in formal educational institutions. The data were analyzed using Structural Equation Modeling with the Partial Least Squares technique (SEM-PLS). The results indicate that teacher professional development, instructional leadership, and organizational culture each have a positive and significant effect on teaching performance. Among these factors, instructional leadership emerged as the strongest predictor, highlighting the central role of school leaders in shaping instructional quality. Teacher professional development was also found to significantly enhance teaching performance by improving instructional competence and professional capacity, while organizational culture contributed by fostering collaboration, trust, and shared commitment among teachers. These findings suggest that teaching performance can be effectively enhanced through an integrated approach that aligns professional learning opportunities, leadership practices, and supportive organizational cultures. The study offers practical implications for school leaders and policymakers in designing strategies to improve teacher effectiveness and educational quality.
Co-Authors Aam Aminah Abearto, Rinol Afifatun, Siti Alami, Celvin Anhar Anhar Anisak, Siti Darojatun Ansori, Afifah Aris Faisal, Imam Aryani Aryani, Aryani Aziz, Rahmad Bahari Bahari, Bahari Chandra, Andika Cholik, Ahmad Abdul Dian Komalasari Dina Destari Dwistia, Halen Edi Mulyono EKA YUNIARTI ERDIYANSYAH, ERDIYANSYAH Fauzan Akmal Firdaus Firmansyah Firmansyah Fitri Yuliati, Fitri Yuliati Fitria Fitria Gilani, Syed Iftikhar Ali Gusti Ayu Pratiwi, Annisa Gusti Ayu Pratiwi hartiyanti, Evi Hoiri, Hoiri Ikhwan, Ari Afiful Ilyas Iqtianti, Haniefah Irsyadunnas Irsyadunnas Isa, Khairunesa Isa, Khairunesa Isa Japar, M. Farid Adnan Larasati, Sinta M. Cholid Mawardi M. Nasir Mahbuubah, Nabiilatul Manap, Abdul Maulidi, M. Hilal Ma’ali, Romi Muhammad Yusuf Mustopa, Andi pengelola, pengelola Pratama, Vidya Ramadhan Putra Putra, Soni Rahmat Subekti Rofiq, Ahmad Ainur Sajdah, Meilisa Santi, Ani Yunita Sari, Dwi Kurnia Subiantoro Sukawati, Sukawati Supendi, Pepen Supriyanti Supriyanti Suroso Suwarna, A. Idun Tri Hariyati Wati, Flora Ambar winarko, winarko Yulita, Erta Yuningsih, Yuyun Yunita, Tiara Z, Riza Arif M Zahra, Dwi Novistul Zuhri, Ahmad Syarifuddin Zulaiha, Heppy