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All Journal Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Riset Bisnis dan Investasi Buana Ilmu Jurnal Manajemen dan Bisnis Kreatif Dinamika Journal Of Resource Management, Economics And Business (REMICS) DINAMIKA: Jurnal Manajemen Akuntansi, Bisnis dan Kewirausahaan Jurnal Manajemen Riset Inovasi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial
Rengga Madya Pranata
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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PENGARUH PEMBAYARAN DIGITAL DAN KERENTANAN KEUANGAN YANG DI MODERASI LITERASI KEUANGAN Covery Adi Saputro; Ujang Suherman; Rengga Madya Pranata
Journal Of Resource Management, Economics And Business Vol. 3 No. 3 (2024): Journal Of Resource Management, Economics And Business (REMICS)
Publisher : PT. Berkah Digital Teknologi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58468/remics.v3i3.110

Abstract

Purpose: To determine the effect of digital payments and financial literacy on financial vulnerability in UBP Karawang management students. Research Methodology: Quantitative research; population: UBP Karawang management students (Class of 2020-2023, n=1948); sample: 95 students; data collection via Google Forms; analysis using moderated regression analysis. Results: Digital payments did not significantly affect financial vulnerability; 88.7% influence of digital payments and financial literacy on financial vulnerability; financial literacy moderates the relationship. Limitations: The study is limited to UBP Karawang management students, which may affect generalizability. Contribution: Useful for fields such as financial education, digital finance, and consumer behavior in Indonesia.
Pengaruh Lingkungan Sosial dan Pengendalian Diri Terhadap Perilaku Keuangan: Studi Kasus Mahasiswa Manajemen UBP Karawang Angkatan 2021 Iis Rahayu; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): 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.v7i6.7726

Abstract

This study aims to analyze the influence of social environment and self-control on the financial behavior of students in the Management Study Program at Universitas Buana Perjuangan Karawang, Class of 2021. This research uses a descriptive quantitative approach. The population in this study consists of 412 students, with a sample size of 80 students selected using simple random sampling technique. Data was collected through an online questionnaire and analyzed using validity tests, reliability tests, classical assumption tests, and regression analysis.The results of the study show that the social environment significantly influences students' financial behavior. A positive social environment, such as support from family, peers, and the educational environment, shapes better financial habits. Students who are accustomed to being in an environment that provides examples of wise financial management tend to imitate these patterns in their daily lives. Additionally, self-control was also found to have a significant impact on students' financial behavior. Students with a high level of self-control are able to resist the urge to make impulsive purchases, manage their spending more systematically, and remain consistent in achieving long-term financial goals.Simultaneously, both of these variables contribute to students' financial behavior, with an R Square value of 0.679. This means that 67.9% of the variability in financial behavior can be explained by the social environment and self-control, while the remaining variance is influenced by factors outside the scope of this research model.
Pengaruh Literasi Keuangan, Gaya Hidup dan Financial Technology Terhadap Perilaku Keuangan pada Mahasiswa Universitas Buana Perjuangan Karawang Pebi Pebrianti; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): 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.v7i7.7747

Abstract

The purpose of this study was to analyze the influence of financial literacy, lifestyle, and financial technology on financial behavior in students of Universitas Buana Perjuangan Karawang. The method used is quantitative research with a descriptive verification approach, involving 100 students of Universitas Buaan Perjuangan Karawang as a sample taken through purposive sampling techniques. Data were collected through online questionnaires and multiple linear regression analysis. The results of the study indicate that financial literacy and financial technology have a positive and significant effect on financial behavior, while lifestyle has no effect on financial behavior. The results of financial literacy, lifestyle, and financial technology simultaneously have an effect on financial behavior with a determination coefficient showing 40.6% of the variation in financial behavior is influenced by the three independent variables. This study concludes that improving good financial behavior is from the level of understanding of financial literacy and the proper use of financial technology. This study implies that students can be wiser in managing finances, planning expenses, and avoiding excessive lifestyles, as well as expanding knowledge about investment to achieve higher financial literacy and good financial behavior.
Pengaruh Uang Saku dan Prilaku Hedonisme Terhadap Risiko Utang Dikalangan Mahasiswa Manajemen 2021 Universitas Buana Perjuangan Karawang Elsa Laila Listiawati; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): 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.v7i7.7766

Abstract

This study aims to analyze the influence of pocket money and hedonistic behavior on debt risk among students of the Management Study Program, Universitas Buana Perjuangan Karawang, class of 2021. The method used in this study is quantitative with a quantitative descriptive. The population in this study amounted to 412 students, with a sample of 80 students selected using the simple random sampling method. Data were collected through online questionnaires and analyzed using descriptive statistics, classical assumption tests, and hypothesis tests. The results of the study show that the pocket money variable does not have a significant effect on debt risk. This indicates that the amount of pocket money students receive, both large and small, does not directly affect their decision to go into debt, because it is more influenced by how students manage their money. Conversely, hedonistic behavior has a significant influence on student debt risk, encouraging students to consume excessively for personal pleasure without considering financial ability, thereby increasing the tendency to go into debt as a way to fulfill this lifestyle. Thus, hedonistic behavior has a dominant role in increasing debt risk among students, especially when it is not accompanied by wise financial management. The R-Square value of 0.511 indicates that 51.1% of the variability of debt risk can be explained by two independent variables, namely pocket money and hedonistic behavior, while the rest is influenced by other factors outside the study model
Pengaruh Inklusi Keuangan dan Edukasi Terhadap Keputusan Perilaku Penggunaan QRIS: Studi Kasus Mahasiswa Manajemen UBP Karawang 2021 Tria Melani; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): 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.v7i7.7767

Abstract

This study aims to analyze the influence of financial inclusion and education on behavioral decisions to use the Quick Response Code Indonesian Standard (QRIS) among Management students of Buana Perjuangan University, Karawang, class of 2021. The study used a descriptive quantitative approach with data collection through questionnaires from 80 respondents selected using the simple random sampling method. The analysis was carried out using multiple linear regression. The results of the study showed that financial inclusion had a significant influence on QRIS usage behavior. This indicates that adequate access to financial services and knowledge of financial products increase the decision to use QRIS. Education was also shown to have a significant influence, where students' understanding of digital transaction security and involvement in educational programs encouraged confidence in using QRIS. Simultaneously, both variables contributed 46% to behavioral decisions to use QRIS. The implication of this study is the need for educational institutions and financial service providers to improve digital financial literacy through structured educational programs and expand access to financial services. This step is expected to support the adoption of QRIS and a more inclusive digital transformation of finance
Pengaruh Pengelolaan Keuangan dan Status Perkawinan Terhadap Kesejahteraan Keuangan Keluarga di Desa Karangjaya Ayu Nuradilah; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): 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.v7i7.7768

Abstract

This study aims to analyze the influence of financial management and marital status on family financial well-being in Karangjaya Village, Tirtamulya District, Karawang Regency. This study uses a descriptive quantitative approach with data collection through questionnaires from 79 respondents selected using the simple random sampling method. Data analysis was carried out using multiple linear regression. The results of the study indicate that financial management has a significant influence on family financial well-being, which reflects the importance of budget planning, spending control, and saving and investing habits in improving financial well-being. Marital status also has a significant influence, where relationship stability and cooperation in the household also encourage more rational and planned financial decisions. Simultaneously, both variables contribute 28.8% to the variation in family financial well-being. The implication of this study is the importance of structured financial literacy education and fostering marriage readiness as part of efforts to improve the economic welfare of the community, especially in rural areas.
Pengaruh Kepemilikan Manajerial dan Solvabilitas Bagi Financial Performance pada Perusahaan Industri Dasar dan Kimia Noval Andriyanto; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): 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.v7i7.7872

Abstract

Financial performance ref;ects the company’s ability, which is evident from the financial reports, wihc serve as aguide for decision-making by stakeholders. The purpose pf our study is to provide e,pirecal evidence on how managerial ownershif and company ability to meet is its obligations (solvability) can influencefinancial performance. The sample selection was carried out using purposive sampling,whilethe data analysis employed a multiple regression approach. Our researchfocuses on 14 basic and chemical industry companies listed on the Indonesia Stock Exchenge (BEI) during the period 2020-2024 as the object of study. This Result in the finding that managerial ownership has np effecton financial performance, but solvability has a negative impect on financial performance.
Metode Altman Z-Score untuk Memprediksi Financial Distress Perusahaan Bidang Konstruksi pada Tahun 2020 -2023 Dimas Dwi Darmawan; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): 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.v7i8.7905

Abstract

The purpose of this study is to use the Altman Z-Score approach analysis to describe the level of corporate bankruptcy. This type of qualitative research uses secondary data from the financial statements of construction companies in 2020–2023. Of the eight companies, 7 companies were selected through purposive sampling. According to the Altman Z-Score analysis, a company is considered healthy if its Z-Score is greater than 2.99; a company that is at risk of bankruptcy and can be saved if its Z-Score is between 1.81 and 2.99; and a company that has a high risk of bankruptcy if its Z-Score is less than 1.8. Based on the results of the study, in the last four years, namely 2020, there were four bankrupt business entities and two business entities entered the gray zone. In 2021, five business entities had good status, while two business entities were categorized as bankrupt. In 2022, there were seven business entities that were classified as healthy. In 2023, there were seven business entities that were classified as healthy. Based on data analysis of construction companies listed on the Indonesia Stock Exchange in 2020, 2021, 2022, and 2023, as many as 70 percent of state-owned companies are bankrupt or are expected to experience financial difficulties. In contrast, as many as 30 percent of non-state-owned companies are expected not to experience financial difficulties.
Optimalisasi Pendapatan UMKM Melalui Edukasi Keaslian Uang Rupiah di Desa Sirnabaya Ery Rosmawati; Ujang Suherman; Dexi Triadinda; Rengga Madya Pranata
Masyarakat Berkarya : Jurnal Pengabdian dan Perubahan Sosial Vol. 2 No. 3 (2025): Agustus : Masyarakat Berkarya : Jurnal Pengabdian dan Perubahan Sosial
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/karya.v2i3.2057

Abstract

This community service activity aims to improve the community's understanding and skills in recognizing the authenticity of rupiah currency, especially among MSMEs. With a better understanding, it is hoped that MSMEs can avoid losses due to questionable currency and optimize their income. The community service method used was a focus group discussion to identify the problems, potential, and needs of MSMEs in Sirnabaya Village. The immediate impact of this activity is an increase in early detection skills for counterfeit money in the community. In the long term, it is hoped that this will reduce the rate of counterfeit money circulation in the target area.
Co-Authors Aditya Duta Pangestu Asep Jamaludin Ayu Nuradilah Berliana Ananda Kutaningtyas Covery Adi Saputro Dexi Triadinda Dexi Triadinda Dimas Dwi Darmawan Dwi Epty Hidayaty Elsa Laila Listiawati Ery Rosmawati Iis Rahayu Ikaputera Waspada Muhammad Iqbal Nurfauzan Nandang Noval Andriyanto Nugraha Pebi Pebrianti Syarif Alamsyah Syarif Alamsyah Tria Melani Ujang Suherman Wanta Wildan Army Abdillah Wildan Army Abdillah