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All Journal Jurnal Muara Ilmu Ekonomi dan Bisnis International Journal of Financial, Accounting, and Management Aksara: Jurnal Ilmu Pendidikan Nonformal Jurnal Pengabdian UNDIKMA Easta Journal of Innovative Community Services
Zaniarti, Sri
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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FAKTOR PREDIKTOR FINANCIAL MANAGEMENT BEHAVIOR GENERASI X Ida, Ida; Zaniarti, Sri; Ayuningtyas, Nabilla
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol 5, No 1 (2021): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v5i1.11439

Abstract

Kemudahan akses menggunakan internet dalam memenuhi kebutuhan manusia dapat meningkatkan konsumsi. Generasi X sebagai generasi yang mengenal komputer perlu memiliki financial management behavior yang baik agar tidak menimbulkan masalah keuangan. Studi ini bertujuan untuk menguji secara empiris faktor- faktor yang dapat digunakan sebagai prediktor financial management behavior generasi X. Data dikumpulkan dengan menyebarkan kuesioner secara elektronik kepada generasi X yang lahir tahun 1961- 1980 dan terdapat 579 responden yang mengisi lengkap serta diolah dengan menggunakan pendekatan PLS-SEM. Hasil pengolahan diperoleh bahwa self efficacy, internal locus of control, dan Financial Literacy dapat digunakan sebagai faktor yang dapat memprediksi financial management behavior generasi X di kota Bandung Raya dengan responden penelitian yang mayoritasnya berjenis kelamin laki- laki, pendidikan tertinggi Perguruan Tinggi dan bekerja sebagai pegawai. Hasil penelitian ini diharapkan dapat memberikan masukan bagi generasi X agar dapat terus meningkatkan self efficacy, internal locus of control, dan Financial Literacy sehingga dapat meningkatkan financial management behaviornya.  Ease of access using the internet to meet human needs can increase consumption. Generation X is the generation that knows computers. Generation X needs to have good financial management behavior so as not to cause financial problems. This study aimed to test empirically the factors that can be predictors of generation X financial management behavior. The data were collected using questionnaires electronically to generation X (born in 1961-1980). There were 579 respondents. Data were processed using the PLS–SEM approach. The results of the processing show that self-efficacy, internal locus of control, and financial literacy can be used as factors that can predict the financial management behavior of generation X in the city of Bandung Raya with the majority of research respondents who are male, the highest education is higher education and work as an employee. The results of this study are expected to provide input for generation X to improve self-efficacy, internal locus of control, and financial literacy to improve their financial management behavior.
FINANCIAL LITERACY, MONEY ATTITUDE, DAN FINANCIAL MANAGEMENT BEHAVIOR GENERASI MILENIAL Ida, Ida; Zaniarti, Sri; Wijaya, Graciela Ervina
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol 4, No 2 (2020): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v4i2.9144

Abstract

Perkembangan teknologi dan gaya hidup generasi milenial mendorong perilaku konsumtif sehingga pentingya mengetahui faktor- faktor yang memengaruhi financial management behavior generasi milenial agar tidak terjebak pada masalah keuangan. Penelitian ini mempunyai tujuan untuk menguji pengaruh financial literacy dan money attitude dari dimensi power prestige dan anxiety terhadap financial management behavior pada generasi millenial yang tinggal di Bandung. Teknik pengambilan sampel dengan metode sampling non-probability yaitu teknik purposive sampling. Sampel berjumlah 1.120 responden yang mayoritas adalah perempuan dan berpendidikan perguruan tinggi. Dari hasil pengujian menggunakan analisis regresi berganda menunjukkan financial literacy dan money attitude dari dimensi power prestige mempunyai pengaruh yang signifikan terhadap financial management behavior sedangkan money attitude-anxiety tidak mempunyai pengaruh terhadap financial management behavior pada generasi millenial yang tinggal di Bandung. Penelitian ini menyarankan peningkatan financial literacy dan money attitude- Power-prestige bagi generasi milenial, adanya kurikulum pendidikan mengenai literasi keuangan, dan bagi peneliti selanjutnya dapat melakukan penelitian bagi generasi milenial di luar kota Bandung serta meneliti faktor- faktor lain yang memengaruhi financial management behavior. Technological developments and the lifestyle of the millennial generation encourage consumptive behavior, so it is important to know the factoes that influence the financial management behavior of the millennial generation so that they are not trapped in financial problems. The purpose of this study was to empirically examine the effect of financial literacy and money attitude form the dimensions of power prestige and anxiety on financial management behavior in the millennial generation living in Bandung. This study uses a non-probability sampling method with a purposive sampling technique. The sample consisted of 1,120 respondents, the majority of whom were women and had university education. From the test results using multiple regression analysis shows that financial literacy and money attitude from the power prestige dimension have a significant effect on financial management behavior, while money attitude from the anxiety dimension has no effect on financial management behavior in the millennial generation who live in Bandung. in Bandung. This study suggests an increase in financial literacy and money attitude from the Power-prestige dimension for the millennial generation, the existence of an educational curriculum regarding financial literacy, and for further researchers to conduct research for millennials outside Bandung and examine other factors that influence financial management behavior.
Inovasi Produk pada Usaha Mikro Kecil dan Menengah (UMKM) Martusa, Riki; Meythi, Meythi; Margaretha, Yolla; Zaniarti, Sri; Suwarno, Henky Lisan
Aksara: Jurnal Ilmu Pendidikan Nonformal Vol 10, No 1 (2024): January 2024
Publisher : Magister Pendidikan Nonformal Pascasarjana Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/aksara.10.1.91-98.2024

Abstract

Penelitian ini bertujuan untuk menginvestigasi bagaimana inovasi produk pada Usaha Mikro Kecil dan Menengah (UMKM) di kota Bandung, Jawa Barat. Metoda yang digunakan dalam penelitian ini adalah uji beda. Para pelaku UMKM diberi pelatihan mengenai inovasi produk dan mereka diminta mengisi kuesioner sebelum dan sesudah pelatihan. Hasil penelitian ini menemukan bahwa ada perbedaan antara sebelum dan sesudah pelatihan inovasi produk pada pelaku UMKM. Penelitian ini memberikan kontribusi terhadap bidang kewirausahaan mengenai inovasi produk pada pelaku UMKM. Implikasi penelitian ini memberikan wawasan kepada UMKM berkaitan dengan pentingnya inovasi produk dalam mencapai keunggulan kompetitif.
Influence of allowance, lifestyle, and financial inclusion on financial management practice among Indonesia college students Zaniarti, Sri; Margaretha, Meily; Subagja, Arie Danu
International Journal of Financial, Accounting, and Management Vol. 7 No. 1 (2025): June
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v7i1.2270

Abstract

Purpose: This study investigates how young adults manage their finances. It examines the impact of three factors: allowance (pocket money), financial habits (lifestyle), and access to financial services (inclusion). Methods: The study population comprised college students in Bandung, Indonesia. A sample of 159 college students was selected to understand their financial management practices and related factors. Results: The study found that Allowance and financial inclusion significantly influenced how young adults managed their finances. These factors were found to have a significant impact, with p-values less than 0.05. Students who manage their income exhibit better budgeting and spending habits. Access to financial services positively affects students' financial management skills and encourages safer savings methods. However, lifestyle factors did not significantly impact financial management, contrary to the findings of previous research. This suggests that other factors might be more crucial for financial discipline. Conclusions: This study finds that pocket money and financial inclusion significantly enhance financial management skills among university students, while lifestyle has little impact, highlighting the need for education that fosters saving, investing, and responsible financial behavior. Limitations: This study focused on a specific student population in Bandung, Indonesia. Further research is required to determine whether these findings apply to broader demographic groups.   Contribution: This study underscores the role of schools and families in enhancing students’ financial literacy through education, allowances, and financial inclusion. Novelty: This study reveals that lifestyle habits have a limited impact on financial management among tech-savvy youth, suggesting the need to reconsider financial education strategies, particularly in trend-driven contexts such as Bandung.
Pelatihan Pengelolaan Keuangan untuk Keluarga : Mengelola Resiko dan Cerdas Finansial Saragih, Susanti; Widiastuti, Ratna; Zaniarti, Sri; Margaretha, Yolla; Kristine, Fanny; Nursalin, Kezia Kurniawati; Margaretha, Meily; Lu, Cen
Jurnal Pengabdian UNDIKMA Vol. 5 No. 3 (2024): August
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v5i3.11243

Abstract

This community service activity aims to increase the knowledge and skills of parents of Bandung Baptist Christian Junior High School students regarding families' financial planning and management to avoid family financial risk. This community service implementation method uses training with 25 participants, who are parents of students. The evaluation of this community service activity was carried out by conducting a survey to measure the reaction of participants, their knowledge level, and their change intention. Descriptive analysis was performed on the data collected. The results of the community service activity showed that more than 96% of the participants who attended found the activity relevant to their conditions. Additionally, 62% of the participants experienced an increase in knowledge regarding the concept of financial management, and all participants committed to taking concrete actions to improve their family's financial conditions, including avoiding debt, making financial records, using an application to simplify financial management, and setting a budget (financial prioritization).
Influence of allowance, lifestyle, and financial inclusion on financial management practice among Indonesia college students Zaniarti, Sri; Margaretha, Meily; Subagja, Arie Danu
International Journal of Financial, Accounting, and Management Vol. 7 No. 1 (2025): June
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v7i1.2270

Abstract

Purpose: This study investigates how young adults manage their finances. It examines the impact of three factors: allowance (pocket money), financial habits (lifestyle), and access to financial services (inclusion). Methods: The study population comprised college students in Bandung, Indonesia. A sample of 159 college students was selected to understand their financial management practices and related factors. Results: The study found that Allowance and financial inclusion significantly influenced how young adults managed their finances. These factors were found to have a significant impact, with p-values less than 0.05. Students who manage their income exhibit better budgeting and spending habits. Access to financial services positively affects students' financial management skills and encourages safer savings methods. However, lifestyle factors did not significantly impact financial management, contrary to the findings of previous research. This suggests that other factors might be more crucial for financial discipline. Conclusions: This study finds that pocket money and financial inclusion significantly enhance financial management skills among university students, while lifestyle has little impact, highlighting the need for education that fosters saving, investing, and responsible financial behavior. Limitations: This study focused on a specific student population in Bandung, Indonesia. Further research is required to determine whether these findings apply to broader demographic groups.   Contribution: This study underscores the role of schools and families in enhancing students’ financial literacy through education, allowances, and financial inclusion. Novelty: This study reveals that lifestyle habits have a limited impact on financial management among tech-savvy youth, suggesting the need to reconsider financial education strategies, particularly in trend-driven contexts such as Bandung.
Memperteguh Kesiapan UMKM di Kelurahan Sadang Serang Bandung Melalui Pelatihan Pemasaran Digital Ginting Munthe, Rusli; Margaretha, Yolla; Nursalin, Kezia Kurniawati; Zaniarti, Sri; Widiastuti, Ratna; Abednego, Felicia
Easta Journal of Innovative Community Services Vol 2 No 03 (2024): Easta Journal of Innovative Community Services (EJINCS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejincs.v2i03.212

Abstract

Pada masa new normal ini membawa banyak perubahan pada perilaku masyarakat dalam mengonsumsi barang/jasa, hal ini dituntut juga kesiapan para UMKM sebagai penyedia produk terutama dalam menyiapkan pemasaran digital untuk memperluas pasar. Dunia digital yang mencakup masyarakat yang lebih luas lebih selektif dalam pemilihan produk yang akan mereka beli, ditambah lagi begitu banyaknya pilihan produk dari produsen yang ada, UMKM yang baru atau yang telah masuk ke dunia digital perlu lebih disiapkan dengan berbagai strategi digital yang up to date. Pada pengabdian masyarakat, tim dosen Universitas Kristen Maranatha ingin memberikan pelatihan kepada masyarakat Kelurahan Sadang Serang Bandung mengenai kesiapan UMKM menuju UMKM go digital, agar lebih siap bersaing di masa new normal ini.
Co-Authors Ayuningtyas, Nabilla Cen Lu Felicia Abednego Ginting Munthe, Rusli Henky Lisan Suwarno Ida Ida, Ida Kezia Kurniawati Nursalin Kristine, Fanny Meily Margaretha Meythi, Meythi Ratna Widiastuti Riki Martusa Subagja, Arie Danu Susanti Saragih Wijaya, Graciela Ervina Yolla Margaretha