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All Journal JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS Owner : Riset dan Jurnal Akuntansi JOURNAL OF APPLIED BUSINESS ADMINISTRATION Proceeding International Seminar of Islamic Studies Bursa : Jurnal Ekonomi dan Bisnis Journal of International Conference Proceedings Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) IIJSE
Hafiz, Muhammad Shareza
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Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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A Compliance Audit Model on the Government Grant Management in Indonesia Hafiz, Muhammad Shareza; Wahyuni, Sri Fitri; Wulandari, Tri
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2579

Abstract

This study evaluates the challenges and accuracy needed to apply Covid-19 social welfare funds in Indonesia, according Ministry of Social Affairs Regulation No. 20 of 2019. This study also seeks to understand the causes of Indonesians’ limited assistance adoption. Purposive sampling is used in this qualitative investigation. Researchers collected empirical data through qualitative interviews and used QSR NVivo 12 for data analysis. The Head of the Environment meticulously collected beneficiary data to start government grant management in North Sumatra. After that, the Village Office and top authorities arranged a well-organized assistance distribution campaign. Under the direction of the Head of the Environment, local resources were allocated to registered community members. Ministerial Regulation No. 20 of 2019 from the Ministry of Social Affairs governs government grant administration in North Sumatra. Dual engagement in the local community may explain the aid shortfall in North Sumatra, according to studies. People who accept and refuse social help are examples of this.
THE EFFECT OF CREDIT ASSESSMENT AND HUMAN RESOURCE QUALITY ON THE DECISION TO PROVIDE BUSINESS DEVELOPMENT CAPITAL Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Pradesyah, Riyan
Proceeding International Seminar of Islamic Studies INSIS 4 (November 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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

Abstract

Credit is a provision of loans to the community, in order for an activity that is consumptive and productive. Usually, credit is given by financial institutions such as banks, where banks will provide credit to people who have met the conditions set by the bank. In this case, productive credit is given to people who want to open a business or develop a business that is already owned. But most of the requirements given by banks or financial institutions are not in accordance with reality, where the bank also assesses the human resources that exist in the business being run. This research, is a quantitative study, with analytical tools using SPSS. As for the results obtained, that there is a partial influence of credit assessment on the decision to provide business development capital. The quality of human resources partially affects the provision of business development capital. And simultaneously, the credit assessment and quality of human resources affect the provision of business development capital, with a value of Rsequer 53.2%
The Role of Investment Motivation in Financial Literacy and Women's Behavior Marpaung, Arif Pratama; Muhammad, Idhamsyah; Hamdani, Rizki; Hafiz, Muhammad Shareza; Sani, Agus
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 12 No. 2 (2024): Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis - Desember 2024
Publisher : Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaemb.v12i2.8521

Abstract

This study explores how financial literacy, financial education, and self-control affect investment motivation and financial behavior among women in Medan, Indonesia. A total of 270 participants responded to a structured questionnaire, distributed three times from February to June 2024, covering five key areas: financial behavior, investment motivation, financial literacy, financial education, and self-control. Using Partial Least Squares Structural Equation Modeling (PLS-SEM) for analysis, the findings reveal that both financial literacy and education significantly enhance investment motivation and financial behavior. Higher education levels correlate with better financial literacy, resulting in more strategic investment decisions. Although many respondents allocate a significant portion of their income to monthly expenses, those with higher financial literacy manage their finances more effectively. However, the study finds no significant impact of self-control on investment motivation and financial behavior, possibly due to the respondents' younger age and lower income. This research underscores the importance of financial literacy and education in shaping financial behavior.
A Compliance Audit Model on the Government Grant Management in Indonesia Hafiz, Muhammad Shareza; Wahyuni, Sri Fitri; Wulandari, Tri
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2579

Abstract

This study evaluates the challenges and accuracy needed to apply Covid-19 social welfare funds in Indonesia, according Ministry of Social Affairs Regulation No. 20 of 2019. This study also seeks to understand the causes of Indonesians’ limited assistance adoption. Purposive sampling is used in this qualitative investigation. Researchers collected empirical data through qualitative interviews and used QSR NVivo 12 for data analysis. The Head of the Environment meticulously collected beneficiary data to start government grant management in North Sumatra. After that, the Village Office and top authorities arranged a well-organized assistance distribution campaign. Under the direction of the Head of the Environment, local resources were allocated to registered community members. Ministerial Regulation No. 20 of 2019 from the Ministry of Social Affairs governs government grant administration in North Sumatra. Dual engagement in the local community may explain the aid shortfall in North Sumatra, according to studies. People who accept and refuse social help are examples of this.
Perilaku Keuangan Generasi Milenial di Medan: Meneliti Sinergi Literasi Keuangan, Gaya Hidup Hedonis, dan Sikap Keuangan Melalui Lensa Tingkat Pendidikan Sebagai Variabel Intervening Radiman, Radiman; Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Sinuhaji , Karina Ridha Ditia
Bursa : Jurnal Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Januari 2024
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v3i1.552

Abstract

Masalah yang dihadapi oleh Generasi Milenial di Medan antara lain adalah tingkat pendidikan yang masih belum optimal. Hal ini terlihat dari kurangnya kesadaran sebagian generasi milenial di Medan akan pentingnya pendidikan. Selain itu, tidak semua generasi milenial di Medan memiliki tingkat literasi keuangan yang baik, terlihat dari rendahnya minat untuk mengikuti program pelatihan dan pengembangan literasi keuangan. Gaya hidup hedonis di kalangan generasi milenial Medan juga cenderung lebih mengutamakan hiburan daripada pendidikan. Sikap keuangan mereka juga kurang bijaksana, dengan kecenderungan menghabiskan penghasilan untuk hal-hal yang tidak penting daripada menabung atau berinvestasi. Penelitian ini menggunakan pendekatan kuantitatif. Hasil analisis menunjukkan bahwa Literasi Keuangan tidak memiliki pengaruh positif dan signifikan terhadap Perilaku Keuangan, karena nilai p values > 0,05. Sebaliknya, Gaya Hidup Hedonis, Sikap Keuangan, dan Tingkat Pendidikan menunjukkan pengaruh positif dan signifikan terhadap Perilaku Keuangan, yang menandakan bahwa hipotesis yang diajukan dapat diterima dan relevan bagi Generasi Milenial di Medan. The issues faced by the Millennial Generation in Medan include a suboptimal level of education. This is evident from the lack of awareness among some millennials in Medan about the importance of education. Moreover, not all millennials in Medan possess adequate financial literacy, as seen in their low interest in participating in financial literacy training and development programs. The hedonistic lifestyle among Medan's millennials also tends to prioritize entertainment over education. Their financial behavior is often unwise, with a tendency to spend income on unnecessary items rather than saving or investing. This research employs a quantitative approach. The analysis results indicate that Financial Literacy does not have a positive or significant impact on Financial Behavior, as the p-values are > 0.05. On the other hand, Hedonistic Lifestyle, Financial Attitude, and Education Level have a positive and significant influence on Financial Behavior, suggesting that the proposed hypotheses are accepted and relevant to the Millennial Generation in Medan.
Moderating Role of Values in Religiosity and Brand Switching from Israel-Affiliated Brands among Gen Z Sani, Agus; Hafiz, Muhammad Shareza; Marpaung, Arif Pratama
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10115

Abstract

This study examines the influence of religiosity on Indonesian consumers' brand switching behavior, particularly regarding brands affiliated with the Israeli-Palestinian issue. Using SEM-PLS analysis with 178 respondents obtained through snowball sampling, the results reveal that religiosity positively and significantly affects consumers' tendency to switch from Israeli-affiliated brands to local alternatives. Furthermore, functional, emotional, social, and epistemic values significantly strengthen this relationship. These findings highlight that consumer behavior is influenced not only by economic considerations but also by spiritual, social, and cognitive factors. In today's value-conscious consumer landscape, purchasing decisions increasingly reflect personal and collective beliefs. For marketers, this emphasizes the importance of developing ethical, value-driven branding strategies that resonate with consumers' social and moral awareness. Brands that align with consumer values and demonstrate social responsibility are more likely to foster loyalty and trust in an era where consumers are buying not just products, but also meaning and identity.
MOTIVASI KERJA GENERASI Z DI INDONESIA : SEBUAH EKSPLORASI TEORITIS MENGGUNAKAN METODE ZALTMAN METHAPORE ELICITATION TECHNIQUE (ZMET) Sani, Agus; Hafiz, Muhammad Shareza; Marpaung, Arif Pratama
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 3 (2024): Edisi September - Desember 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i3.4826

Abstract

Penelitian ini bertujuan untuk mengekplorasi dan mengungkap teori motivasi mana yang paling relevan dalam menggambarkan motivasi kerja generasi z di Indonesia. Metode Zaltman Methapore Elicitation Technique (ZMET) digunakan dalam penelitian ini dengan menggunakan 20 orang responden (peserta) untuk diwawancara secara komprehensif dan mendalam. Hasil penelitian menunjukan terdapat 4 konstruk yang dinilai berkontribusi positif pada meningkatnya motivasi kerja generasi Z di Indonesia meliputi pemenuhan kebutuhan dasar, aktualisasi diri, penghargaan finansial dan lingkungan kerja yang kondusif. Pada akhirnya penelitian ini memberikan rekomendasi teoritis bahwa motivasi instrinsik dan ekstrinsik bukanlah dua teori yang terpisah melainkan harus digunakan dan diterapkan secara bersama-sama demi memberikan luaran motivasi kerja yang kuat pada generasi z di Indonesia.
Model Praktik Perilaku Pengelolaan Keuangan Pranikah Pada Pasangan Siap Menikah Di Kota Medan Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Lestari, Sri Puji
Owner : Riset dan Jurnal Akuntansi Vol. 8 No. 1 (2024): Artikel Riset Januari 2024
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v8i1.1915

Abstract

This study aims to examine the influence of financial literacy, income and lifestyle on financial management behavior among couples ready to get married in the city of Medan. The population in this study is all couples who are ready to marry in several districts in the city of Medan. To determine the sample using the Lemeshow formula because the population size is unknown, the researcher took the sample using the accidental sampling method, namely the sample was carried out by chance with 280 premarital couple respondents as the research sample. The data analysis techniques used in this research are measurement model analysis (outer model) and variance-based structural equation testing or better known as Partial Least Square (PLS) using Smart PLS 3.0 software. The results of this study indicate that financial literacy has a significant effect on financial management behavior. Income has no significant effect on Financial Management Behavior. Lifestyle has a significant influence on Financial Management Behavior
The Effect of Contribution, Role, and Capital on MSMEs Business Development in Islamic Banks with Human Resources Quality as A Moderation Variable Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Pradesyah, Riyan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.3044

Abstract

The study aims to see the effect of the contribution, role, and venture capital on MSMEs business development, with the quality of human resources as a mediating variable. This research was conducted at Islamic banks in the city of Medan, with a sample of 160 people. As for the results obtained based on the results of the path coefficient test carried out, it was found that there were 3 significant items on construction with t-statistic values ​​> 1.65 and p-values ​​< 0.05, meaning that the hypotheses H4, H6, and H7 were accepted, that there was a significant influence of business capital with Human Resources (HR) quality (H4), there is a significant influence of the role of Islamic banks on HR (H6), and there is a significant influence of HR on business development (H7). While indirectly the hypothesis that is accepted is H9, where the T statistic is 3.726 > 1.65, and the P values ​​are 0.00 <0.05, with Std. Beta is 0.367. It means that there is a positive influence of business capital on business development, mediated by the variable quality of Human Resources (HR).
Co-Authors Arif Pratama Marpaung Hamdani, Rizki Muhammad, Idhamsyah Pradesyah, Riyan Radiman, Radiman Sani, Agus Sinuhaji , Karina Ridha Ditia Sri Fitri Wahyuni Sri Puji Lestari Tri Wulandari