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All Journal JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS JOURNAL OF APPLIED BUSINESS ADMINISTRATION Proceeding International Seminar of Islamic Studies Bursa : Jurnal Ekonomi dan Bisnis Journal of International Conference Proceedings
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.
Co-Authors Arif Pratama Marpaung Hamdani, Rizki Muhammad, Idhamsyah Pradesyah, Riyan Radiman, Radiman Sani, Agus Sinuhaji , Karina Ridha Ditia Sri Fitri Wahyuni Tri Wulandari