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All Journal Tekno - Pedagogi : Jurnal Teknologi Pendidikan Jurnal Promosi Pendidikan Ekonomi Jurnal Edueco JOURNAL OF ECONOMICS EDUCATION AND ENTREPRENEURSHIP Journal of Economics Research and Policy Studies Journal of Artificial Intelligence and Digital Business Journal of Economic Education and Entrepreneurship Studies Jurnal Prospek: Pendidikan Ilmu Sosial dan Ekonomi Educational Studies: Conference Series
Riyadi, Riyo
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Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Social Sciences Other

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The Influence of Peer Conformity and Pocket Money on Students' Lifestyle in Higher Education Iriani, Mutiara; Riyadi, Riyo; Ellyawati, Noor; Sutrisno, Sutrisno
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 1 (2024): VOL. 6, NO. 1 (2025): JE3S, MARCH 2025
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v6i1.7334

Abstract

This study aims to analyze the influence of peer conformity and pocket money on university students' lifestyles. Today's students often feel compelled to follow current lifestyle trends, influenced by factors such as peer pressure and the availability of pocket money. This study examines whether peer conformity and pocket money, either partially or simultaneously, affect students' lifestyles. The study adopts a quantitative approach with a saturated sampling technique involving 70 respondents. Data were collected using questionnaires and analyzed through multiple linear regression using SPSS version 26. Hypothesis testing was conducted using t-tests, F-tests, and the coefficient of determination (R²). The findings indicate that peer conformity and pocket money each have a positive and significant partial influence on students' lifestyles. Simultaneously, these two factors also positively and significantly influence lifestyle choices. The coefficient of determination (R²) reveals that 72.2% of students' lifestyle variance can be explained by peer conformity and pocket money, while the remaining 27.8% is influenced by other factors not examined in this study. This research highlights the important role of peer interactions and financial resources in shaping students' lifestyle choices, offering valuable insights for educational institutions and parents in guiding students toward balanced and sustainable lifestyle decisions.
Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Perilaku Keuangan Mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Oktavia, Nur Rosita; Permatasari, Indah; Riyadi, Riyo; Ruspian, Ruspian
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 1 (2025): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i1.405

Abstract

Berdasarkan hasil observasi awal yang sudah dilakukan dapat dilihat bahwa mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Mulawaran tidak melakukan pencatatan dan pengeluaran secara mingguan ataupun bulanan, sehingga hal ini menunjukkan kondisi dimana mahasiswa masih rendah pemahaman terkait pentingnya mencatat dan mengelola keuangan secara teratur. Selain itu, mahasiswa juga masih suka melakukan perilaku secara konsumtif, dimana mahasiswa masih suka berbelanja berdasarkan keinginan dan bukan kebutuhannya. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan gaya hidup terhadap perilaku keuangan mahasiswa mahasiswa FKIP Universitas Mulawarman. Penelitian ini menggunakan jenis penelitian Explanatory Reseach, dengan pendekatan kuantitatif. Jumlah sampel yang digunakan 92 mahasiswa, pengumpulan data dilakukan dengan metode kuesioner. Teknik analisis data pada penelitian ini menggunakan teknik analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh signifikan terhadap perilaku keuangan mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Mulawarman. Sementara itu, gaya hidup tidak berpengaruh signifikan terhadap perilaku keuangan, karena banyak mahasiswa lebih memilih berbelanja dengan uang tunai ketimbang menggunakan kartu kredit. Secara simultan, literasi keuangan dan gaya hidup berpengaruh signifikan terhadap perilaku keuangan mahasiswa. Dengan pemahaman keuangan yang baik dan gaya hidup yang sesuai, maka mahasiswa dapat membuat keputusan keuangan yang lebih tepat.
Intensi Berwirausaha Dilihat dari Pemahaman Literasi Finansial Siswa SMA dan SMK di Samarinda Riyadi, Riyo; Abu, Ilham; Sudarman, Sudarman; Saqwan, Nur Rifky; Ariani, Syifa Tri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1441

Abstract

Kewirausahaan merupakan aspek penting yang mendukung pertumbuhan perekonomian Indonesia. Hal ini menimbulkan perhatian pemerintah untuk meningkatkan jiwa kewirausahaan di kalangan masyarakat, khususnya generasi muda. Literasi keuangan dapat meningkatkan niat berwirausaha dengan mampu mengelola keuangan secara bijak. Penelitian ini menggunakan pendekatan kuantitatif yang bertujuan untuk mendeskripsikan fenomena-fenomena yang ada, baik fenomena alamiah maupun fenomena buatan manusia. Skala Niat Berwirausaha, dan Skala Literasi Keuangan digunakan dalam penelitian ini dengan subjek sebanyak 300 siswa SMA dan SMK diperoleh dengan metode multi stage random sampling. Intensi berwirausaha dan literasi finansial diukur dengan menggunakan angket dan wawancara untuk memperkuat hasil penelitian. Indikator letasi finansial yang digunakan dalam penelitian ini adalah: 1) pengetahuan dasar, 2) tabungan dan pinjaman, 3) investasi, 4) asuransi, sedangkan untuk indikator intensi berwirausaha adalah: 1) sikap, 2) norma subjektif, 3) kontrol perilaku. Hasil penelitian menunjukkan bahwa literasi finansial berpengaruh signifikan terhadap intensi berwirausaha.
Studi fenomenologi: Pengalaman pengelolaan keuangan keluarga kelas menengah di Kelurahan Petung Kabupaten Penajam Paser Utara Aisyah, Salwa Nurul; Reza, Reza; Riyadi, Riyo; Sudarman, Sudarman
Journal of Economics Research and Policy Studies Vol. 5 No. 2 (2025): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v5i2.1908

Abstract

Financial management within families is crucial for maintaining household economic stability, particularly for middle-class families. Financial management within families is a skill that every family must possess, as failing to manage their finances effectively can result in expenses exceeding their income. Therefore, this study aims to interpret each action from the experiences of middle-class families in managing household finances and to identify and analyse the main challenges faced as well as the strategies implemented by middle-class families in Petung Village in financial management. The research design employed is qualitative, with a phenomenological approach, utilising data collection methods that include interviews and observations. The data analysis stages used are data condensation, data presentation, conclusion drawing, and verification. Based on the findings regarding middle-class families in Petung Village, it was revealed that their understanding of financial management is already quite good, and they can adapt to changes in the economic situation. Although some families do not regularly record their income and expenses, overall, family financial management is functioning smoothly. However, it is hoped that middle-class families in Petung Village can improve their financial management through the guidelines set by the Financial Services Authority (OJK)
Performance and Feasibility Analysis of a Micro-Enterprise Laundry Business Sutarmo, Abdur Rahman; Sutrisno, Sutrisno; Riyadi, Riyo; Ruspian, Ruspian
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 3 (2025): VOL. 6, NO. 3 (2025): JE3S, SEPTEMBER 2025
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v6i3.8720

Abstract

This study analyzes the performance and financial feasibility of a micro-enterprise laundry business operating in the service sector. Using a descriptive quantitative approach, primary data were collected through structured interviews with the business owner and employees to capture detailed information on operational and financial conditions. Financial performance was evaluated by analyzing revenue, operating costs, net income, and the Benefit Cost ratio as an indicator of business feasibility. The results indicate that the laundry enterprise achieved an average Benefit Cost ratio of 2.02 during the observation period, demonstrating strong financial feasibility and efficient resource utilization. This finding suggests that the business is capable of generating returns that significantly exceed its operational costs. Furthermore, the analysis reveals that effective cost control, accurate financial recordkeeping, and stable service demand play a crucial role in sustaining profitability. The study highlights that micro-enterprise laundry businesses have considerable potential for long-term sustainability when supported by sound financial management practices. Strengthening systematic cost monitoring, improving financial planning, and maintaining service quality are recommended to enhance operational efficiency and ensure continuous business growth. The findings provide practical insights for micro-entrepreneurs and policymakers seeking to support the development and resilience of small-scale service businesses.
Metode Kuantitatif ANALISIS KESULITAN BELAJAR MATA PELAJARAN EKONOMI PADA SISWA KELAS XI DI SMA NEGERI 2 TENGGARONG SEBERANG: Kesulitan Belajar dan Pembelajaran Ekonomi Kahfi, Muhammad Abdul; Rahayu, Vitria Puri; Riyadi, Riyo
Educational Studies: Conference Series Vol. 5 No. 1 (2025)
Publisher : Faculty of Teacher Training and Education, Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tujuan dalam penelitian ini adalah: (1) Untuk mengetahui indikator apa yang paling dominan pada kesulitan belajar mata pelajaran ekonomi yang dialami siswa kelas XI di SMA Negeri 2 Tenggarong Seberang, (2) Untuk mengetahui tingkat kesulitan belajar mata pelajaran ekonomi pada siswa kelas XI di SMA Negeri 2 Tenggarong Seberang. Proses pengumpulan data dalam penelitian ini dilaksanakan melalui pendekatan kuantitatif, dengan menggunakan kuesioner sebagai instrumen utama untuk memperoleh informasi dari responden. Waktu dan tempat penelitian ini dilaksanakan pada tahun ajaran 2024/2025 bulan Mei sampai dengan bulan Juni, Subjek penelitian ini adalah siswa/i SMA Negeri 2 Tenggarong Seberang. Berdasarkan hasil penelitian menunjukkan bahwa siswa kelas XI SMA Negeri 2 Tenggarong Seberang mengalami kesulitan belajar Ekonomi pada kategori tinggi. Indikator kesulitan pemecahan masalah memperoleh skor tertinggi (3,25), menandakan siswa belum mampu memahami soal dan menerapkan konsep ekonomi secara tepat. Kesulitan berdiskusi (3,24) menunjukkan hambatan dalam menyampaikan pendapat dan berpartisipasi aktif. Sementara itu, indikator sikap belajar (3,23) tetap tinggi, mencerminkan adanya motivasi meskipun mengalami kendala pemahaman. Secara keseluruhan, ketiga indikator tersebut menegaskan perlunya strategi pembelajaran yang lebih interaktif dan kontekstual.
Co-Authors abu, ilham Adiningsih, Rosita Aisyah, Salwa Nurul Amelia, Safitri Anggraini, Beta Aprilia, Eka Nur Ariani, Syifa Tri Astuti, Ratna Fitri Ayustira, Nurwahidah Berliana, Difa Agil Dhila Nur Aprilianti Ekawarna Ekawarna, Ekawarna Ellyawati, Noor Fachruddiansyah Muslim Fadillah, Dewi Nur Fitriyani Fitriyani Indah Permatasari Iriani, Mutiara Kahfi, Muhammad Abdul Mindaleni, Mindaleni Nur Anisa Oktavia, Nur Rosita Puri Rahayu, Vitria Rahayu, Vitria Puri Reza, Reza Ruspian, Ruspian Saqwan, Nur Rifky Sudarman Sudarman Sutarmo, Abdur Rahman Sutrisno, Sutrisno