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All Journal ProBank: Jurnal Ekonomi dan Perbankan Excellent KEUNIS Journal of Economic, Bussines and Accounting (COSTING) Dinamisia: Jurnal Pengabdian Kepada Masyarakat Jurnal Abdi Masyarakat (JAM) Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Journal of Contemporary Administration and Management (ADMAN) Technology and Society Perspectives (TACIT) Jurnal Kewirausahaan Bukit Pengharapan Journal of Innovative and Creativity Jurnal Pengabdian Masyarakat Proceeding International Annual Conference Economics, Management, Business, and Accounting
Garin Pratiwi Solihati
Universitas Mercu Buana
Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Financial Literacy and Planning on Financial Well-Being: The Mediating Role of Behavior Sri Anah; Wahyu Anggraini; Abdul Rahmat; Garin Pratiwi Solihati
KEUNIS Vol. 14 No. 2 (2026): JULY 2026
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v14i2.7104

Abstract

Financial well-being reflects employees’ ability to manage financial resources and maintain long-term stability. This quantitative study examines the effects of financial literacy, self-control, and financial planning on employees’ financial well-being, involving financial behavior as a mediating variable. Data were collected from 120 employees of PT SUAI through online and offline questionnaires and analyzed using SEM-PLS. The results show that financial literacy, self-control, and financial planning significantly influence financial behavior, which in turn positively and significantly affects financial well-being. However, only financial planning has a significant indirect effect on financial well-being through financial behavior, whereas financial literacy and self-control do not show significant mediation effects. These findings indicate that structured financial planning plays a key role in shaping consistent financial behavior that enhances financial well-being. Theoretically, the results support the Financial Management Behavior Theory and Financial Capability Framework, signifying the importance of behavioral implementation. Additionally, the study findings have crucial practical implications for organizations to prioritize applied financial education programs that focus on budgeting, saving, and long-term planning.
PENGUATAN BRANDING DAN PENGEMASAN PRODUK PERTANIAN UNTUK MENINGKATKAN KEMANDIRIAN EKONOMI PESANTREN: PROGRAM PENGABDIAN PADA YAYASAN MADINAH AL HIJRAH, PANDEGLANG Garin Pratiwi Solihati; Minanari Minanari
BESIRU : Jurnal Pengabdian Masyarakat Vol. 3 No. 7 (2026): BESIRU : Jurnal Pengabdian Masyarakat, Juli 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v3i7.2781

Abstract

Program Pengabdian kepada Masyarakat ini bertujuan meningkatkan kapasitas kewirausahaan Pondok Pesantren Madinah Al Hijrah, Pandeglang, melalui penguatan branding produk, pengemasan, pencatatan usaha, dan pemasaran digital sederhana. Pesantren memiliki potensi usaha pertanian, namun belum didukung pengelolaan identitas produk, kemasan, dan pencatatan usaha yang memadai sehingga nilai tambah produk belum optimal. Metode pelaksanaan meliputi observasi, penyuluhan, diskusi interaktif, workshop, praktik langsung, pendampingan, dan evaluasi. Hasil kegiatan menunjukkan peningkatan pemahaman dan keterampilan peserta dalam membangun identitas merek, merancang label dan kemasan produk, menyusun pencatatan produksi dan penjualan sederhana, serta memanfaatkan media digital sebagai sarana promosi. Program ini berkontribusi dalam memperkuat tata kelola usaha pertanian pesantren dan mendukung pengembangan kewirausahaan sebagai upaya mewujudkan kemandirian ekonomi pesantren secara berkelanjutan.
Unveiling the Role of Risk-Taking Ability in Mediating the Influence of Entrepreneurship Education, Digital Financial Literacy, and Financial Self-Efficacy on Students’ Courage to Start a Business Sutrisno; Garin Pratiwi Solihati; Syamsuri; Susatyo Adhi Pramono; Imam Jayanto; Muhammad Aqib Shafiq
Jurnal Kependidikan : Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran, dan Pembelajaran Vol. 12 No. 1 (2026): March
Publisher : LPPM Universitas Pendidikan Mandalika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jk.v12i1.19701

Abstract

This study aims to analyze the effects of Entrepreneurship Education, Digital Financial Literacy, and Financial Self-Efficacy on Students’ Courage to Start a Business, with Risk-Taking Ability as a mediating variable. A quantitative approach with a survey design was employed, with 100 university students in Banyumas Regency selected via purposive sampling. Data were collected through a structured online questionnaire and analyzed using SEM-PLS with a bootstrapping procedure. The results indicate that Entrepreneurship Education, Digital Financial Literacy, and Financial Self-Efficacy have positive and significant effects on Risk-Taking Ability. Furthermore, Risk-Taking Ability has a positive and significant effect on Students’ Courage to Start a Business. In addition, Risk-Taking Ability is proven to positively and significantly mediate the effects of the three independent variables on students’ entrepreneurial courage. These findings suggest that students’ entrepreneurial courage is largely determined by their ability to assess risks and opportunities and to make decisions under uncertainty. This study contributes theoretically by uniquely integrating financial aspects and psychological aspects within a single framework grounded in the Theory of Planned Behavior, Social Cognitive Theory, and Behavioral Finance Theory. By linking students’ digital financial capability with their risk-taking ability, the model explains how financial knowledge strengthens psychological readiness in entrepreneurial decision-making. The findings also provide practical implications for higher education institutions and policymakers in designing entrepreneurship programs that simultaneously develop digital financial competence and risk-taking capacity.
Pengaruh Leverage, Profitabilitas, Dan Kepemilikan Institusional Terhadap Tax Avoidance Noer Rahmi; Garin Pratiwi Solihati
Excellent Vol 12, No 2 (2025)
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/exc.v12i2.2058

Abstract

In Indonesia, tax revenues constitute roughly 80% of the country's overall governmental income. Authorities continuously strive to guarantee that tax collection achieves predetermined objectives. However, obstacles persist in optimizing tax effectiveness, potentially motivating taxpayers to adopt tax minimization practices. Tax minimization may be characterized as a method for diminishing fiscal responsibilities by taxpayers through reducing their tax burden while remaining within legal boundaries, or it may be described as taking advantage of gaps in current legislation. This study aims to investigate the effects of leverage, profitability, and institutional ownership on tax minimization practices within Consumer Non-Cyclical Sector companies listed on the Indonesia Stock Exchange between 2020-2023. This research adopts a quantitative approach. The research population encompasses non-cyclical consumer sector firms listed on the Indonesia Stock Exchange (IDX) from 2020-2023. The study employs purposive sampling methods, resulting in 164 data observations for examination. The analytical method utilized is multiple linear regression through IBM SPSS 25 software. Results indicate that leverage exhibits a significant positive effect on tax minimization, while profitability displays a significant negative effect on tax minimization, and institutional ownership fails to show a significant effect on tax minimization.
Pengaruh Keadilan Pajak, Diskriminasi, Dan Religiusitas Terhadap Persepsi Penggelapan Pajak Salma Salsabila; Garin Pratiwi Solihati
Excellent Vol 12, No 2 (2025)
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/exc.v12i2.2054

Abstract

This study investigates the impact of tax justice, perceived discrimination, and religiosity on individuals’ perceptions of tax evasion. The research focuses on accounting students at Mercu Buana University, observed over a three-year period from 2021 to 2023. The total population consists of 477 students. The sample was selected using an accidental sampling technique, a non-probability method wherein The selection of study participants was determined by their readiness to participate voluntarily. From this process, 112 usable responses were successfully collected. This research utilized firsthand information gathered directly from survey participants through the administration of systematic questionnaire instruments. The analytical approach involved implementing Partial Least Squares Structural Equation Modeling (PLS-SEM) methodology. The research outcomes demonstrate that tax fairness and feelings of discriminatory treatment both show substantial positive correlations with taxpayer evasion attitudes. Conversely, although religious beliefs also exhibit a positive association with evasion perceptions, this relationship lacks statistical significance in the findings.
Peran Literasi Keuangan Dan Financial Self-Efficacy Dalam Mempengaruhi Perilaku Kredit Berisiko Melalui Paylater Garin Pratiwi Solihati; Ikhyandini Garindia Atristyanti
ProBank Vol 10, No 2 (2025)
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/probank.v10i2.2079

Abstract

This analysis explores the influence of both objective and subjective financial literacy, in addition to financial self-efficacy, on hazardous credit behavior among millennial PayLater users residing in Indonesia. A total of 262 participants provided data through an online survey, which was subsequently analyzed employing Structural Equation Modeling (SEM). The empirical evidence suggests that individual perceptions of financial literacy reduce engagement in high-risk credit activities while simultaneously bolstering one's financial self-efficacy. The acquisition of objective financial literacy solely enhances one's financial self-efficacy without directly impacting behaviors associated with high-risk credit engagement. Furthermore, financial self-efficacy does not demonstrate a statistically meaningful impact on precarious credit practices is recognized, and it does not fulfill a mediating role in the association between financial literacy and precarious credit practices. These results underscore the critical role of subjective financial literacy in alleviating the risk associated with adverse credit behaviors.
The Influence of Financial Literacy on Financial Behavior and Borrowing Intention from Online Loans/P2P Lending Garin Pratiwi Solihati; Fitri Indriawati
Technology and Society Perspectives (TACIT) Vol 4 No 2 (2026): Research Article
Publisher : PT. LITERASI SAINS NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61100/tacit.v4i2.364

Abstract

This study aims to examine the effect of financial literacy on financial behavior and borrowing intention through peer-to-peer (P2P) lending services, as well as to investigate the mediating role of financial behavior. The study is motivated by the rapid growth of digital lending services, which have expanded access to financial resources while simultaneously increasing potential financial risks, particularly among university students. This research employed a quantitative approach with a causal associative research design. Data were collected through questionnaires distributed to university students with prior experience using P2P lending services and were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings indicate that financial literacy has a positive effect on both financial behavior and borrowing intention. Financial behavior also has a positive effect on borrowing intention and partially mediates the relationship between financial literacy and borrowing intention. These findings suggest that improving financial literacy should be accompanied by the development of healthy financial behavior to promote more rational, responsible, and sustainable use of P2P lending services.
Co-Authors Abdul Rahmat Adelina Suryati Alytha Pratiwi Deden Tarmidi Elok Kurniawati Fitri Indriawati Hakim, Dedi Budiman Herry Suhardiyanto Ikhyandini Garindia Atristyanti Imam Jayanto Junianto, Pilifus Minanari Muhammad Aqib Shafiq Noer Rahmi Pratiwi Nila Sari Putri Renalita Sutra Tanjung Ria Damayanti Salma Salsabila Sri Anah Susatyo Adhi Pramono, Susatyo Adhi Sutrisno Sutrisno Sutrisno, Sutrisno Syamsuri Syamsuri Tony Irawan Wahyu Anggraini Wahyu Anggraini, Wahyu Wanof, M. Indre