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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-Zayn: Jurnal Ilmu Sosial & Hukum QOSIM: Jurnal Pendidikan, Sosial & Humaniora Ebisnis Manajemen Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial
Rengga Madya Pranata
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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.
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.
Pengaruh Kinerja Orgasnisasi dan Kompetensi Karyawan terhadap Pencapaian Visi Misi Aji Tuhagana; Rengga Madya Pranata; Hafsari Prabhamanik Faddila
Ebisnis Manajemen Vol. 3 No. 3 (2025): September : Ebisnis Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/ebisman.v3i3.1109

Abstract

This study aims to analyze the influence of organizational performance and employee competency on the achievement of the vision and mission of Universitas Buana Perjuangan (UBP) Karawang. The research background stems from the importance of synergy between effective organizational governance and the quality of human resources in realizing the strategic direction of higher education. The study employed a quantitative approach with a survey method. Data were collected through questionnaires distributed to 78 respondents, consisting of lecturers and permanent education staff at UBP Karawang. Data analysis was performed using multiple linear regression with the assistance of SPSS. The results indicate that both organizational performance and employee competency have a positive and significant influence on the achievement of the university's vision and mission, both partially and simultaneously. Organizational performance exerts a more dominant influence than employee competency, with an R² value of 0.534, indicating that 53.4% ​​of the variation in vision and mission achievement is explained by these two variables. These findings confirm that effective governance, cross-unit coordination, and the development of professional competencies and work attitudes play a crucial role in improving institutional performance. The practical implication of this study is the need to strengthen quality management and develop sustainable competencies as key strategies in realizing the vision and mission of higher education.
Pengaruh Saving Behavior dan Literacy Finance Terhadap Retirement Preparedness pada Karyawan Swasta di PT. FCC Indonesia Yusuf Zulkarnaen; Rengga Madya Pranata; Ujang Suherman
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.2535

Abstract

The aim of this research is to find out how saving habits and financial literacy at PT. FCC Indonesia private workers influence their preparation for retirement. This research methodology combines purposive sampling and survey methodology with a quantitative descriptive approach. Because retirement readiness must be prepared from an early age, the object of research is PT FCC Indonesia, with a sample size of 100 respondents aged 20 to 40 years. The findings of this study indicate that saving and financial literacy significantly improve a person's preparation for retirement. Although financial literacy is necessary to increase awareness of money and can help people make the right financial decisions, including the decision to invest in retirement, saving behavior is very important to grow savings that can be used to meet living expenses in retirement. The fact that this research is limited to PT. FCC Indonesia and its small sample size is one of its weaknesses. In order for the research findings to be applied more widely, larger sample sizes and more geographic locations should be used in future research. Based on research findings, private employees at PT. FCC Indonesia's preparation for retirement is greatly influenced by their savings and financial literacy. This is consistent with other research which finds a positive correlation between saving behavior, financial literacy, and retirement preparation. Knowledge about the variables that influence private employees' retirement preparations is further advanced through this research. This study implies that to ensure private sector employees' financial readiness for retirement, it is important to increase their level of financial literacy and saving behavior.
Pengaruh Literasi Keuangan dan Self Efficacy Terhadap Perilaku Keuangan yang Dimoderasi Gender pada Owner UMKM di Desa Gintung Kerta Abdulloh; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): 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.v6i9.2627

Abstract

The focus objective this study is to find out The manner in which financial literacy and independence influence the financial behavior of small and medium enterprise (MSME) owners. in Gintung Kerta village which is gender moderated. This research is quantitative. This research involved the owners of 138 MSMEs in Gintung Kerta village, with a sample of 103 of them. Data was collected using a purposive sampling method. Questionnaire via gform and multiple regression analysis were used. The results of the study show that financial literacy significantly influences the financial actions of MSME owners in Gintung Kerta village, while self-efficacy also influences the financial behavior of MSME owners in Gintung Kerta village. Financial literacy and self-efficacy have a significant simultaneous influence on the financial behavior of MSME owners in Gintung Kerta village. Gender is unable to influence The impact of financial conduct on financial literacy among MSME owners in Gintung Kerta village. Gender is unable to influence self-efficacy on financial behavior among MSME owners in Gintung Kerta village
Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Pengelolaan Keuangan yang Dimoderasi Gender pada Mahasiswa Manajemen UBP Karawang Renaldi, Aldi; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 10 (2024): 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.v6i10.2712

Abstract

This research was conducted to see the influence of financial literacy and financial attitudes on the financial management of UBP Karawang management students moderated by gender. This type of research is quantitative research where there is theory testing. The population in this study were 2020-2021 UBP Karawang management students totaling 897 students. The sample was 109 people representing UBP management students. The method used is purposive sampling. Data was collected by distributing questionnaires via Gform. The analysis technique used is moderated regression analysis. The results of this research are that financial literacy has a positive and significant effect on financial management. Financial attitudes can significantly influence the financial management of UBP Karawang management students. Financial literacy and financial attitudes simultaneously influence the financial management of UBP Karawang management students. Gender cannot moderate the influence of financial literacy towards the financial management of UBP Karawang management students, gender is unable to moderate the influence of financial attitudes on the financial management of UBP Karawang management students.
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
Co-Authors ABDULLOH Aditya Duta Pangestu Aji Tuhagana Andika Putra, Galang Asep Jamaludin Ayu Nuradilah Berliana Ananda Kutaningtyas Bintang Try Anastasya Manalu Covery Adi Saputro Dexi Triadinda Dexi Triadinda Dimas Dwi Darmawan Dwi Epty Hidayaty Elsa Laila Listiawati Ery Rosmawati Hafsari Prabhamanik Faddila Iis Rahayu Ikaputera Waspada Muhammad Iqbal Nurfauzan Nandang Nirmala, Riska Amelia Noval Andriyanto Nugraha Pebi Pebrianti Renaldi, Aldi Sitorus, Reyfaldy Jumeston Syarif Alamsyah Syarif Alamsyah Tria Melani Ujang Suherman Wanta Wildan Army Abdillah Wildan Army Abdillah Yusuf Zulkarnaen