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All Journal Jurnal Reviu Akuntansi dan Keuangan EkoBis ( Ekonomi & Bisnis ) Jurnal Penelitian Ekonomi dan Bisnis Jurnal Akuntansi dan Perpajakan Riset Akuntansi dan Keuangan Indonesia Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal Akuntansi : Kajian Ilmiah Akuntansi (JAK) Jurnal Abdimas BSI: Jurnal Pengabdian Kepada Masyarakat JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Journal of Economic, Bussines and Accounting (COSTING) Jurnal Ilmu Manajemen (JIMMU) OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JIA (Jurnal Ilmiah Akuntansi) Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) EAJ (ECONOMICS AND ACCOUNTING JOURNAL) BALANCE: Economic, Business, Management and Accounting Journal Al-Kharaj: Journal of Islamic Economic and Business Dharma Raflesia : Jurnal Ilmiah Pengembangan dan Penerapan IPTEKS Abdimasku : Jurnal Pengabdian Masyarakat Equity: Jurnal Ekonomi Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) MANAJEMEN Transekonomika : Akuntansi, Bisnis dan Keuangan JRABA Jurnal Abdimas Perbanas Jurnal Manajemen dan Bisnis JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Jurnal Ilmu Manajemen & Ekonomika Innovative: Journal Of Social Science Research Paradoks : Jurnal Ilmu Ekonomi Indo-Fintech Intellectuals: Journal of Economics and Business IIJSE FINANCE : International Journal Of Management Finance Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Ardhi: Jurnal Pengabdian dalam Negri Riset Akuntansi dan Keuangan Indonesia Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Ekonomi dan Bisnis International Journal of Economics and Management Sciences International Journal of Economics, Management and Accounting International Journal Business, Management and Innovation Review Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen, Akuntansi Bersama: Jurnal Pengabdian Kepada Masyarakat Sasambo: Jurnal Abdimas (Journal of Community Service) Proceeding of The International Conference on Management, Entrepreneurship, and Business Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Journal of Management Economics and Financial Accounting
Suhita Whini Setyahuni
Department Of Management, Faculty Of Economics And Business, Universitas Dian Nuswantoro Semarang, Jawa Tengah, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Public Health Social Sciences Other

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The Role of Risk Tolerance in Moderating Financial Literacy and Fintech on Green Investment Intention Puspita Azura Diva Rachmalia; Suhita Whini Setyahuni; Dwi Eko Waluyo; Dian Prawitasari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9749

Abstract

This study aims to analyze the effect of Financial Literacy and Fintech utilization on Green Investment Intention, as well as to examine the role of Risk Tolerance as a moderating variable among the general public in Indonesia. The study uses a quantitative approach with an online survey of 150 respondents aged at least 18 years who have access to digital financial services and an interest in sustainable investment, using purposive sampling. Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method. The results show that Financial Literacy and the use of Fintech have a positive effect on Green Investment Intention, while Risk Tolerance has a direct effect and strengthens the relationship between Financial Literacy and Fintech with Green Investment Intention. The research model was able to explain 70.2% of the variation in Green Investment Intention, confirming the importance of cognitive, technological, and psychological factors in encouraging sustainable investment. The novelty of this research lies in the integration of financial literacy, Fintech, and Risk Tolerance as moderating variables in the sustainable financial behavior model among the general public in Indonesia. These findings contribute to the development of sustainable finance literature and provide practical implications for governments, financial institutions, and Fintech providers in designing financial education policies and digital services that support the transition to a green economy.
Analisis Biaya Produksi Usaha Rintisan Budidaya Maggot Pada Kelompok Petani Tambak Kelurahan Mangunharjo, Semarang Shalahuddin, Sultan Tegar; Setyahuni, Suhita Whini; Oktavia, Vicky; Samasta, Almira Santi
Sasambo: Jurnal Abdimas (Journal of Community Service) Vol. 8 No. 2 (2026): Mei
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jyq0vt81

Abstract

Mangunharjo Subdistrict, Tugu District, Semarang City, has significant potential for the development of pond-based fisheries enterprises, particularly milkfish cultivation. However, fishpond farmers face a major challenge in the form of high commercial feed costs, which constitute the largest component of production expenses and result in low business efficiency. To address this issue, more economical and easily applicable alternative feed sources are required. This community service activity aims to enhance the capacity of fishpond farmers through training programs focusing on maggot cultivation as an alternative feed and improving their understanding of production cost analysis. The implementation methods include field observations, training sessions, Focus Group Discussions (FGD), and direct assistance to fishpond farmer groups. The results indicate an improvement in participants’ knowledge and skills in producing and utilizing maggots as a substitute for commercial feed, as well as their ability to manage and reduce production costs more efficiently. Furthermore, the activity encourages positive changes in farmers’ mindset and behavior toward more independent and sustainable business management. This program is expected to serve as an initial step in strengthening start-up maggot cultivation enterprises as a solution for reducing production costs and improving the welfare of fishpond farmers
Eksplorasi Peran Mediasi Pembelian Impulsif pada Pengaruh Persepsi Harga, Fear Of Missing Out (FOMO), dan Literasi Keuangan terhadap Pengelolaan Keuangan Generasi Z User Tiktok Shop Nadya Febrianti Prayogi; Ariati Anomsari; Almira Santi Samasta; Suhita Whini Setyahuni
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11319

Abstract

This study explores the mediating role of impulsive buying on the influence of price perception, Fear Of Missing Out (FOMO), and financial literacy on the financial management of Gen Z TikTok Shop Users at Dian Nuswantoro University. With the results of a descriptive quantitative approach of 122 respondents, using non-probability sampling techniques specifically purposive sampling and snowball sampling, it was found that price perception and FOMO were proven to have a significant positive effect and thus play a strong role in increasing impulsive behavior. Conversely, financial literacy had a significant negative effect, low financial literacy encouraged unplanned spending to increase. Impulsive buying was proven to mediate the relationship between the influence of price perception, Fear Of Missing Out (FOMO), and financial literacy on individual financial management. The results of the study support the need for the reach of objects and variables related to the financial management of the younger generation on various digital platforms.
Analisis Pengaruh Faktor Fundamental dan Makroekonomi terhadap Harga Saham Subsektor Makanan dan Minuman yang terdaftar di Bursa Efek Indonesia periode tahun 2020-2024 dengan Inflasi sebagai Variabel Moderasi Dina Destia Laila Safitri; Pradana Jati Kusuma; Suhita Whini Setyahuni; Rudi Kurniawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10989

Abstract

This study examines the effect of fundamental factors (ROA, DER, CR, PBV, EPS) and macroeconomic factors (exchange rates, interest rates) on stock prices of food and beverage companies listed on the Indonesia Stock Exchange during 2020–2024, with inflation as a moderating variable. Using a quantitative approach and secondary data from financial statements and macroeconomic sources, the sample comprises 20 companies (100 observations). Results show that EPS and PBV have a positive and significant effect on stock prices, while ROA, DER, CR, exchange rates, and interest rates are not significant. Inflation moderates the relationship between ROA and PBV with stock prices, but not for other variables. The findings indicate that profitability and market valuation are the main factors considered by investors, while inflation plays a selective role.
Pengaruh Financial Literacy, Self-Control, dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan Pribadi pada Penggemar Musik Hindia Kota Semarang Nabilla Oktafiana Putri; Linda Ayu Oktoriza; Suhita Whini Setyahuni; Rudi Kurniawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11296

Abstract

The purpose of this study is to determine how Indian music fans in Semarang manage their personal finances, taking into account their knowledge, self-control, and perspectives on finance.. This research was conducted using a quantitative method through an online survey of 160 respondents who met the criteria. Measurement models and structural models were tested to analyze the data using SmartPLS. The results of the study indicate that the three independent variables have a positive and significant influence on how individuals manage their finances. The highest f2 value (0.241) and the highest T-statistic value (5.862) indicate that financial attitude is the dominant factor among the three variables. Approximately 56.6% of the differences in financial management behavior can be attributed to the research model, while the remaining variables outside the model influence it. The results show that young people who frequently attend concerts and entertainment activities have more conscious financial behavior, especially those with good financial knowledge, self-control, and a positive attitude toward finance. This study recommends community-based financial education to help music fans manage their expenses better.
The Role of Brand Image as a Mediator of Digital Promotion and Electronic Word of Mouth on Purchase Decisions Audina, Fellyza Farah; Damar, Haunan; Ikasari, Hertiana; Setyahuni, Suhita Whini
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 6 No. 2 (2026): March 2026
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v6i2.1162

Abstract

Background: Employing brand image as an intermediary variable, this research seeks to assess the influence exerted by digital promotion and electronic word-of-mouth (e-WOM) on purchase decisions at ZAP Clinic Semarang. Objectives: The present research analyzes both the unmediated impacts of digital promotion and electronic word-of-mouth (e-WOM) on brand image and purchase decisions at ZAP Clinic Semarang, as well as the extent to which brand image serves as an intermediary in the linkage between those marketing tactics and subsequent consumer purchasing behavior. Methodology: The research employed a quantitative framework based on a survey technique. Purposive sampling yielded 100 respondents meeting the following inclusion criteria: previous use of ZAP Clinic Semarang’s services, receipt of digital promotional stimuli, interaction with online consumer reviews, age of at least 17 years, and domicile within Semarang City. Analytical procedures were carried out using Partial Least Squares Structural Equation Modeling (PLS-SEM) as executed in SmartPLS 4.0. Findings: Although digital promotion exhibits no statistically significant direct effect on purchase decisions, electronic word of mouth (e-WOM) demonstrates a positive and statistically significant impact on both brand image and consumer purchasing behavior. Furthermore, the findings confirm that brand image serves as a significant mediating mechanism in the relationship between digital marketing strategies, particularly e-WOM, and purchase decisions. Conclusions: Purchase decisions for aesthetic clinic services are more driven by consumer experience and online recommendations through e-WOM, as well as positive perceptions of brand image, compared to digital promotion alone. Digital promotion may be ineffective unless it first enhances brand image.
Analisis Faktor-Faktor yang Mempengaruhi Perilaku Keuangan Pemain Game Online Roblox pada Generasi Z di Indonesia Nisrina Hesi Rahmaningtyas; Agus Prayitno; Dwi Eko Waluyo; Suhita Whini Setyahuni
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11283

Abstract

The rapid development of digital technology has significantly transformed consumption patterns among Generation Z, particularly within online gaming ecosystems such as Roblox. The platform encourages repeated virtual spending through its in-game currency system, making it relevant to examine how psychological and technological factors shape users' financial behavior. This study investigates the influence of Fear of Missing Out (FOMO), Financial Literacy, and Financial Technology (FinTech) on the financial behavior of Generation Z Roblox players in Indonesia. A quantitative research design was employed, with data gathered from 219 respondents selected through purposive sampling. The analytical method used was Structural Equation Modeling–Partial Least Squares (SEM-PLS) via SmartPLS 4 software. The findings indicate that Financial Literacy and FinTech adoption positively and significantly affect financial behavior, while FOMO shows a negative but statistically insignificant effect. The income variable (Benefit) used as a control also did not significantly influence financial behavior. The model achieved an R-square value of 0.632, suggesting that the independent variables collectively explain 63.2% of the variance in financial behavior. These results highlight the importance of financial education programs and the strategic use of digital payment tools in fostering responsible financial habits among young gamers.
Peran Celebrity Endorsment, Kontrol Diri dan Literasi Ekonomi Terhadap Perilaku Belanja Implusive Generasi Z pada Platform Digital: Studi Mahasiswa Semester Rendah Universitas Dian Nuswantoro Semarang Insanul Syakiroh; Rudi Kurniawan; Suhita Whini Setyahuni
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12109

Abstract

This study aims to examine and analyze the influence of celebrity endorsement, self-control, and economic literacy on impulsive buying behavior among Generation Z university students on digital platforms. The novelty of this research lies in the combination of these three variables tested simultaneously, as previous studies have generally focused on only one or two variables separately. The population of this study includes all active students of Universitas Dian Nuswantoro Semarang. The sampling technique used is purposive sampling, with the criteria that respondents are early-semester students (semester 1 and 3), actively use social media and e-commerce platforms, and have experience in making online purchases. The total sample size in this study is 157 respondents. Data were collected through a questionnaire based on a Likert scale and analyzed using the Partial Least Square (PLS) approach to examine the relationships between variables. The results show that all three variables—celebrity endorsement, self-control, and economic literacy—have a significant effect on impulsive buying behavior. Among them, celebrity endorsement has the strongest influence in driving spontaneous purchasing decisions. This study highlights that both social influence and individuals’ ability to control themselves, along with their understanding of economic concepts, play a crucial role in shaping students’ consumption behavior in the digital era.
Peran Celebrity Endorsment, Kontrol Diri dan Literasi Ekonomi Terhadap Perilaku Belanja Implusive Generasi Z pada Platform Digital: Studi Mahasiswa Semester Rendah Universitas Dian Nuswantoro Semarang Insanul Syakiroh; Rudi Kurniawan; Suhita Whini Setyahuni
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12109

Abstract

This study aims to examine and analyze the influence of celebrity endorsement, self-control, and economic literacy on impulsive buying behavior among Generation Z university students on digital platforms. The novelty of this research lies in the combination of these three variables tested simultaneously, as previous studies have generally focused on only one or two variables separately. The population of this study includes all active students of Universitas Dian Nuswantoro Semarang. The sampling technique used is purposive sampling, with the criteria that respondents are early-semester students (semester 1 and 3), actively use social media and e-commerce platforms, and have experience in making online purchases. The total sample size in this study is 157 respondents. Data were collected through a questionnaire based on a Likert scale and analyzed using the Partial Least Square (PLS) approach to examine the relationships between variables. The results show that all three variables—celebrity endorsement, self-control, and economic literacy—have a significant effect on impulsive buying behavior. Among them, celebrity endorsement has the strongest influence in driving spontaneous purchasing decisions. This study highlights that both social influence and individuals’ ability to control themselves, along with their understanding of economic concepts, play a crucial role in shaping students’ consumption behavior in the digital era.
Pengaruh Kepercayaan terhadap Platform, Persepsi Kemudahan Penggunaan, dan Literasi Keuangan Digital terhadap Keputusan Transaksi Digital Pada Pengguna Aplikasi Livin’ by Mandiri di Kota Semarang Dyandra Fatikha Milan; Rudi Kurniawan; Amalia Nur Chasanah; Suhita Whini Setyahuni
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 3 (2026): Mei - Juli
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i3.2477

Abstract

Penelitian ini menganalisis pengaruh kepercayaan terhadap platform, persepsi kemudahan penggunaan, dan literasi keuangan digital terhadap keputusan transaksi digital pada pengguna Livin’ by Mandiri di Kota Semarang. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan teknik purposive sampling dan melibatkan 144 responden, yang mewakili berbagai usia, pendidikan, dan pengalaman penggunaan aplikasi. Data dianalisis menggunakan SEM-PLS melalui SmartPLS 4 untuk menguji hubungan antarvariabel dan validitas konstruk. Hasil penelitian menunjukkan bahwa kepercayaan terhadap platform berpengaruh positif tetapi tidak signifikan terhadap keputusan transaksi digital, sementara persepsi kemudahan penggunaan dan literasi keuangan digital berpengaruh positif dan signifikan. Temuan ini menegaskan bahwa keputusan transaksi digital lebih dipengaruhi oleh kemudahan penggunaan aplikasi serta pemahaman pengguna terhadap manfaat dan risiko transaksi digital dibandingkan sekadar kepercayaan terhadap platform. Penelitian ini memberikan implikasi bagi pengembangan strategi digital banking, khususnya untuk meningkatkan pengalaman pengguna dan literasi keuangan digital melalui penyederhanaan fitur dan edukasi finansial.
Co-Authors , Herry Subagyo Abdus Salam, Abdus Adelia Rifa Sabila Adelina Citradewi Adryan, Ravi Nuki Agus Prayitno Agus Prayitno Agus Triyani Agus Triyani Agus Triyani Ahmad Reza Ali, Luthfi Gosan Alif, Atiqullah Muhammad Almira Santi Samasta Almira Santi Samasta Amalia Nur Chasanah Ana Kadarningsih Ana Kadarningsih Kadarningsih Anak Agung Istri Sri Wiadnyani Anandyaningsih Risnika Putri Andhika Ryan Priyatam Ariati Anomsari Asteria Gupita Asyhar, Siti Adinda Amelia Nisa Audina, Fellyza Farah Awanis Linati Haziroh Azizah, Fatkhiyatul Azzainuri Widyantoro Bagas Setiawan, Bagas Bara Zaretta Bara Zaretta D, Khoirul Anam Avif Damar, Haunan Dayinta Lalita Kisin Delila Nasywa Ramananda Dian Prawitasari Dian Prawitasari Diana Aqmala Diana Puspitasari Dimas Prasetyo Dina Destia Laila Safitri Dwi Eko Waluyo Dyandra Fatikha Milan Edna Iyyana Mizkiya Fakhmi Zakaria Farlin Nabila Mawarni Fatah Nur Abdul Aziz Fatkhiyatul Azizah Fauziah, Annisa Rizky Febrianur Ibnu Fitroh Sukono Putra Feni Nola, Ekta Rossivea Fiki Durrotul Makwuna Fikri, Rizal Khurriyatul Fina Putri Handayani Galuh Tri Pratiwi Handhany, Melsanda Farelya Herry Subagyo Hertiana Ikasari Ifada Retno Ekaningrum Ika Rahma Aulia Ikhsan Bagaskoro Inka Putri, Debi Lovinta Insanul Syakiroh Ischaq, Maulana Istiqomah, Luthfiyyah Joni Prayogi Khanifah Khanifah Khanza Monica Salsabila Kiryanto Kiryanto Kisin, Dayinta Lalita Kurniawan, Maulana Bintang Arie Kusuma, Pradana Jati Lenni Yovita Linda Ayu Oktoriza Luklu’un Aula Mahmud Mahmud Mahmud Mahmud Maria Safitri Masitha Fahmi Wardhani Meilana Chorisa Nuraini Melianti, Vanni Melina Putri Rusmawati Mirza Elysia, Tia Sonia Mochammad Eric S.W Muhammad Fajar Khoiruddin Muhammad Reza Putra Kurniawan Mujib, Miftachul Mutiara Zahra Herawati Nabilla Oktafiana Putri Nadya Febrianti Prayogi Nanda Adhi Purusa Nastalin, Arnetta Fadilla Naufal Nurrohmat Nayla Ristyanindita Hendris Nisrina Hesi Rahmaningtyas Nor Hadi Nurwijayanti Oktavia, Vicky Oktoriza, Linda Ayu Pradana Jati Kusuma Pradana Jati Kusuma Pramesti, Tia Prawitasari, Dian Prawitasri, Dian Priskila Septyan Anggriyani Puji Purwatiningsih, Aris Purwatiningsih, Aris Puspita Azura Diva Rachmalia Rifan Fauzi Salasi Rissa Anandita RR Wulan Indri Widiar RR Wulan Indri Widiar Rudi Kurniawan Rudi Kurniawan Rudi Kurniawan Safa Aulia Safina Pribadi Makna Safitri , Maria Safitri, Maria Salsabila, Denaya Bethary Salsabila, Hida Mona Salsabilla Putri Samasta, Almira Santi Setiawan, Aries Shalahuddin, Sultan Tegar Sri Retnoningsih Susanto, Andito Wibisono Putra Syafira, Atina Nur Azumi Syahputri, Naesila Yulyana Saskia Vicky Oktavia Vicky Oktavia Wibowo, Mochammad Eric Suryakencana Widiar, RR Wulan Indri Widivandavin, Yohanes Elya Phisston Wulan Budi Astuti Yovita, Lenni Yulinda Setyaningrum Zakaria, Fakhmi Zhafira, Aqila Azza Zummi Asma Diana