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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Life Birth Jurnal Comprehensive Health Care Al-Mubin: Islamic Scientific Journal International Journal of Community Service Jurnal Riset dan Pengabdian Masyarakat Cons-Iedu: Islamic Guidance and Counseling Journal Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) JURNAL EKSPERIMENTAL : Media Ilmiah Pendidikan Guru Madrasah Ibtidaiyah Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Kasyafa: Jurnal Pendidikan Agama Islam IPSSJ Jarow: Journal of Ar-Raniry on Social Work Azkia : Jurnal Aktualisasi Pendidikan Islam Study of Scientific and Behavioral Management (SSBM) Journal of Economic Studies
Rusnawati
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Physics Public Health Social Sciences Other

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Saving Habits Generasi Millenial: Self Control, Parental Socialization, dan Peer Influence di Kota Makassar Rafiuddin, Fifriani; Parmitasari, Rika Dwi Ayu; Rusnawati
Study of Scientific and Behavioral Management Vol 3 No 1 (2022): Fenomena Keuangan, Pemasaran, & Sumber Daya Manusia di masa Covid-19 & New Normal
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v3i1.27199

Abstract

Saving is one of the important things for individuals in financial management. The importance of saving, especially in the younger generation, affects financial well-being and satisfaction. This study aims to examine the effect of self control, parental and peer influence on saving habits. This research is a quantitative research. The population in this study was the entire millennial generation in Makassar City, with a sample of 202 respondents who met the predetermined criteria. The sampling technique used in this study was non-probability sampling. The results showed that self control, parental socialization and peer influence simultaneously had a significant effect on saving habits. Partially, the control (X1) and parental socialization (X2) have a significant positive effect on saving habits (Y), while the peer influence (X3) has no significant effect on saving habits (Y).
Pengaruh Credit Card dan Online Shopping terhadap Compulsive Buying pada Masyarakat di Kota Makassar dengan Financial Literacy Sebagai Variabel Moderating Taslim, Muhammad; Rusnawati; Farild, Miftha
Study of Scientific and Behavioral Management Vol 4 No 1 (2023): Well Being, Entrepreneurship, and Poverty in Muslim World
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i1.36883

Abstract

Perkembangan pada era globalisasi saat ini ditandai dengan beberapa transfigurasi yang terjadi sangat pesat, salah satunya adalah kondisi perdagangan dan ekonomi. Dengan terjadinya hal tersebut, maka masyarakat dituntut untuk menyesuaikan keadaan yang telah berubah dikarenakan oleh stream of globalization. Perkembangan ekonomi bukan lagi untuk pemenuhan kebutuhan, melainkan mengarah pada kegiatan compulsive buying. Kegiatan ini terjadi pada masyarakat perkotaan yang moderen mulai dari metode pembayaran menggunakan credit card hingga kemudahan dalam berbelanja secara online yaitu online shopping. Maka dari itu dibutuhkan financial literacy yang baik dalam mengantisipasi dari dampak buruk globalisasi. Penelitian ini merupakan jenis penelitian dengan pendekatan kuantitatif dengan sampel sebanyak 150 responden pada masyarakat di Kota Makassar dengan menggunakan rumus Hair. Metode perhitungan jumlah sampel nonprobability sampling dengan teknis purposive sampling kepada masyarakat Kota Makassar dengan kriteria tertentu. Dalam pengolahan data dibantu oleh software SmartPLS. Hasil penelitian ini menunjukkan bahwa credit card berpengaruh positif dan signifikan terhadap compulsive buying, online shopping berpengaruh positif signifikan terhadap compulsive buying, Credit card berpengaruh positif dan signifikan terhadap Compulsive buying dengan Financial Literacy sebagai variabel moderating, Online shopping berpengaruh positif dan signifikan terhadap Compulsive buying dengan Financial Literacy sebagai variabel moderating. Kata Kunci: Credit Card, Online Shopping, Compulsive Buying, Financial Literacy
Pengaruh Kepribadian terhadap Perilaku Manajemen Keuangan dengan Literasi Keuangan sebagai Variabel Intervening Nurfadillah, Nurfadillah; Rusnawati; MS, Eka Indriyani
Study of Scientific and Behavioral Management Vol 5 No 1 (2024): The Strength of Management Influences
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i1.46239

Abstract

ABSTRACT The purpose of the research was to find out whether there was an influence of personality towards financial management behavior with financial literacy as intervening variable in micro small and medium enterprises in Makassar. The objective of the research was the subject of micro small and medium enterprises (UMKM) in Makassar. The research conducted quantitave design. The samples of the research were 160 UMKM registered in economic enterprises and UKM official of Makassar. The sampling techniques used was non probability sampling used to give equal chance or opportunity for every member of population to be selected as a sample. The clarity level of the research used associatif problem statement to find out the correlation or influence between two or more variables. The data used were primary and secondary data where the data was collected by using questionnaire, observation and bibliography study. Data analysis used qas PLS (Partial Least Square). The research result shown that there was positive influence of personality towards financial management, there was positif ilnfluence of personality towards financial literacy, there was postitive influence of personality towards financial management behavior, and also there was positive influence of personality towards financial management behavior with financial literacy as intervening variable. Keywords: Personality, Financial Management Behavior, and Financial Literacy
Hubungan Dow Jones Islamic Market Index Malaysia, Jepang, China dengan Jakarta Islamic Index Menggunakan Analisis Vector Error Correction Model Andi Nurhidayati; Syariati, Alim; Rusnawati
Study of Scientific and Behavioral Management Vol 5 No 3 (2024): Digital Culture Nowadays
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i3.50476

Abstract

The development of the Sharia capital market in Indonesia cannot be separated from the influence of foreign capital markets, especially in the Asian region. The fluctuations in the Jakarta Islamic Index (JII) indicate a contagion effect from the stock price movements of other countries. This study focuses on the relationship between the Dow Jones Islamic Market Index (DJIMI) in Malaysia, Japan, and China with JII. This study employs Vector Error Correction Model (VECM) analysis using monthly stock price index data from each variable from January 2021 to December 2023. In the long term, DJIMI Japan has a significant positive relationship with JII, DJIMI China has a significant negative relationship, while DJIMI Malaysia has no significant relationship. In the short term, DJIMI Malaysia, DJIMI Japan, and DJIMI China have no significant relationship with JII. This study is limited to the relationship between variables through the stock price index. Future studies need to include factors such as inflation, exchange rates, BI rate, and world gold prices in relation to market integration. This study uses contagion effect theory, market integration, and investment portfolio diversification to explain the relationships between the indices.
Upaya Peningkatan Kualitas Pelayanan Pariwisata Kota Palembang Dalam Mewujudkan Ekonomi Kreatif Pasca Pemulihan Covid 19 Berlian Febriyanti; Rizkilah; Rusnawati
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 1 No. 1 (2022): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (310.915 KB) | DOI: 10.61930/jebmak.v1i1.16

Abstract

Covid 19 memiliki dampak yang sangat serius bagi perkonomian Indonesia termasuk dari sektor pariwisata. Dampak tersebut adalah turunnya minat wisatawan untuk berwisata. Pemerintah kota Palembang berupaya meningkatkan kembali pariwisata yang ada di kota Palembang pasca pemulih covid 19. Upaya peningkatan tersebut adalah dengan cara melakukan kreatifitas dalam menarik wisatawan, baik dengan cara memperbaiki tempat wisata, mempercantik taman hingga mentata rapi para pedagang. Oleh karena itu, artikel ini akan membahas tentang kualitas pelayanan pariwisata di kota Palembang baik dari kebijakan maupun dari ekonomi. Penulis akan mendiskripsikan kualitas pelayan pariwisata dari sejumlah literatur, kemudian menganalisanya secara diskriptif. Penulis menyimpulkan bahwa pemerintah setempat membuat kebijakan strategis atas kualitas pelayanan pariwisata. Selain itu pariwisata di kota Palembang melakukan pembenahan baik melalui infrastruktur, promosi wisata serta menciptakan dan mengembangan ekonomi kreatif melalui para pelaku usaha yang terlibat dalam Kerjasamanya.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN INVESTASI MAHASISWA AKTIF DI GALERI INVESTASI PERGURUAN TINGGI KOTA MAKASSAR Hamriana; Fauziah Bakhtiar; Miftha Farid; Rusnawati; Rusdi Raprayoga
Integrative Perspectives of Social and Science Journal Vol. 2 No. 06 November (2025): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keputusan investasi mahasiswa aktif di Galeri Investasi di perguruan tinggi Kota Makassar. Pendekatan kuantitatif dengan metode deskriptif-kausal digunakan untuk menguji pengaruh financial literacy, informasi akuntansi, overconfidence, dan herding behavior terhadap keputusan investasi. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis dengan Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa financial literacy dan informasi akuntansi berpengaruh positif dan signifikan terhadap keputusan investasi mahasiswa, sedangkan overconfidence dan herding behavior berpengaruh negatif signifikan. Temuan ini memperkuat teori Theory of Planned Behavior dan Behavioral Finance Theory, yang menekankan pentingnya sikap, informasi, dan pengendalian bias psikologis dalam pengambilan keputusan keuangan. Faktor-faktor dominan yang terbentuk dari analisis faktor adalah: pengetahuan dan perencanaan keuangan, kepercayaan diri dalam investasi, serta perilaku ikut-ikutan. Penelitian ini memberikan implikasi penting bagi pengelolaan Galeri Investasi kampus sebagai sarana edukasi praktis guna meningkatkan kualitas keputusan investasi mahasiswa.
THE INFLUENCE OF THE EXTERNAL ENVIRONMENT AND MANAGERIAL FACTORS ON THE FINANCIAL PERFORMANCE OF MSMES THROUGH STRATEGIC PLANNING Pratama Putra, Satria; Dwi Ayu Parmitasari, Rika; Rusnawati
Assets: Jurnal Ekonomi, Manajemen, dan Akuntansi Vol 15 No 2 (2025): Assets : Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/assets.v15i2.59353

Abstract

Increasingly tight business competition requires Micro, Small, and Medium Enterprises (MSMEs) to be more adaptive in facing changes in the external environment and improving managerial capabilities in order to achieve optimal financial performance. This study aims to analyze the influence of the external environment and managerial factors on the financial performance of MSMEs in Makassar City with strategic planning as an intervening variable. A quantitative approach was used in this study with a survey method involving MSMEs in the food and beverage sector that have been operating for at least two years. The purposive sampling technique was applied in selecting the sample. Data analysis was carried out using the Structural Equation Modeling (SEM) method to test the relationship between the variables studied. The results of the study indicate that the external environment and managerial factors have a significant effect on the financial performance of MSMEs, with strategic planning as an intervening variable that strengthens the relationship. This finding emphasizes the importance of adapting to business dynamics and improving managerial quality and strategic planning for the sustainability and growth of MSMEs. Therefore, developing strategies based on external environmental analysis and strengthening internal competencies are the keys to increasing the competitiveness of MSMEs in facing changing market challenges.
Economic Empowerment of Rural Communities through Mudharabah Scheme in Freshwater Fish Cultivation Rusnawati; Eci Nuriantika
Al-Mubin Jurnal Ilmiah Islam
Publisher : Department of Research and Community Service at the Ummul Quro Al-Islami Bogor Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/almubin.v8i2.2427

Abstract

The mudharabah (shahibul maal) program in freshwater fish farming is a form of sharia-based partnership that aims to improve the welfare of rural communities through a profit-sharing system. This study aims to analyze community experiences in the mudharabah (shahibul maal) program in freshwater fish farming in Lawe Pangkat Village, Southeast Aceh Regency. The method used was a qualitative ethnographic field approach through observation and semi-structured interviews with capital owners, business managers, and village officials. The results show that the mudharabah program contributed to increased income, work motivation, and community cultivation skills. The profit-sharing system agreed upon at the outset encouraged trust and active participation of managers. However, program implementation still faces obstacles such as limited capital, the risk of crop failure, and a lack of technical experience among some managers. The mudharabah program has the potential to become a model for sustainable sharia-compliant economic empowerment in the rural fisheries sector with adequate mentoring support.
Peran Sistem Informasi Akuntansi dalam Integrasi Akuntansi Lingkungan dan CSR untuk Mendukung Pembangunan Berkelanjutan Rusnawati; Masyhuri
Journal of Economic Studies Vol. 1 No. 4 (2026)
Publisher : Riset Anak Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66618/g4fn0k92

Abstract

Penelitian ini bertujuan untuk menganalisis peran sistem informasi akuntansi dalam mengintegrasikan akuntansi lingkungan dan Corporate Social Responsibility (CSR) guna mendukung pembangunan berkelanjutan. Dalam era digital, sistem informasi akuntansi menjadi instrumen strategis yang mampu mengelola, memproses, dan menyajikan informasi keuangan serta non-keuangan secara terintegrasi, termasuk data terkait dampak lingkungan dan aktivitas sosial perusahaan. Akuntansi lingkungan berfungsi sebagai alat untuk mengidentifikasi, mengukur, dan melaporkan biaya serta dampak lingkungan akibat aktivitas operasional perusahaan, sedangkan CSR mencerminkan tanggung jawab sosial perusahaan terhadap pemangku kepentingan dan lingkungan sekitar. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan studi literatur, yang mengkaji berbagai jurnal dan publikasi ilmiah terkait sistem informasi akuntansi, akuntansi lingkungan, dan CSR. Hasil kajian menunjukkan bahwa integrasi sistem informasi akuntansi dengan akuntansi lingkungan dan CSR mampu meningkatkan transparansi, akuntabilitas, serta efisiensi dalam pengelolaan data keberlanjutan. Selain itu, integrasi ini mempermudah perusahaan dalam menyusun laporan keberlanjutan yang lebih akurat dan relevan, sehingga dapat mendukung pengambilan keputusan strategis berbasis data. Penerapan sistem informasi akuntansi yang terintegrasi juga berkontribusi dalam meningkatkan kinerja perusahaan, memperkuat reputasi, serta mendukung pencapaian tujuan pembangunan berkelanjutan (Sustainable Development Goals/SDGs). Sistem informasi akuntansi tidak hanya berfungsi sebagai alat pencatatan keuangan, tetapi juga sebagai sarana penting dalam mengintegrasikan aspek ekonomi, sosial, dan lingkungan dalam praktik bisnis modern.
Co-Authors Ahmad Effendi Al Maikar, Fatimah Alim Syariati Andi Nurhidayati Azhari Berlian Febriyanti Eci Nuriantika Eka Indriyani MS Eka Suhartini Ely Kurniati Eti Susanti Fauziah Bakhtiar Habibi, Khairul Hamriana Haris Riadi Indriyani, Eka Irmawati Jamiatussoleha, Siti Jarir Junaidi, Nelly Lely, Andi Nurlaily Marwidah Masyhuri Miftha Farid Miftha Farild Mitra Asriani MS, Eka Indriyani Muhammad Fajar Nur Muhammad Ikhsan Nurfadillah Nurfadillah Pratama Putra, Satria Rafiuddin, Fifriani Rika Dwi Ayu Parmitasari Risnawati Rizkilah Rusdi Raprayoga Safruddin Siti Jamiatussoleha sri, sri mulyani Suhartini, Eka Suseno Taslim, Muhammad Wahidah Abdullah