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All Journal Swabumi (Suara Wawasan Sukabumi) : Ilmu Komputer, Manajemen, dan Sosial Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JAIM (Jurnal Abdi Masyarakat) Jurnal Ilmiah Wahana Pendidikan KAMBOTI : Jurnal Sosial dan Humaniora
Ruray, Titiek Arafiani
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Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Siswa-Siswi Di SMK Negeri 1 Kota Tidore Kepulauan Nasarudin, Urna; Hasan, Muhammad Hi.; Ruray, Titiek Arafiani
Jurnal Ilmiah Wahana Pendidikan Vol 11 No 11.D (2025): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

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Abstract

This study aims to analyze the influence of Financial Literacy and Lifestyle on the Consumptive Behavior of Students at SMK Negeri 1 Kota Tidore Kepulauan. This study uses a quantitative approach. The sampling method uses the Slovin formula. The results of the study indicate that the Financial Literacy variable has a significant influence on the consumptive behavior of students at SMK Negeri 1 Kota Tidore Kepulauan. This is evidenced by the T-value greater than T-table, namely 2.960>1.971 and a significance value of 0.003 <0.05, Lifestyle has a significant influence on the consumptive behavior of students at SMK Negeri 1 Kota Tidore Kepulauan. This is evidenced by the T-value greater than T-table, namely 4.323>1.971 with a significance value of 0.000 <0.05, Financial literacy and lifestyle variables have a significant influence on the consumptive behavior of students at SMK Negeri 1 Kota Tidore Kepulauan. This is proven by the calculated F value being greater than Ftable, namely 21.050 > 2.65, so H0 is rejected and Ha is accepted, so it can be interpreted that financial literacy and lifestyle have a simultaneous influence on the consumer behavior of students at SMK Negeri 1.
Pengaruh Financial Attitude, Financial Knowledge, Dan Financial Self-Efficacy Terhadap Financial Management Behavior Hamid, Saina; Hasan, Muhammmad Hi; Ruray, Titiek Arafiani; toduho, Mustafa K
Jurnal Ilmiah Wahana Pendidikan Vol 11 No 12.B (2025): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

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This study aims to analyze the influence of financial attitude, financial knowledge, and financial self-efficacy on financial management behavior among micro business actors in the culinary sector in South Tidore District, Tidore Islands City. This study uses a quantitative method with a population of 77 culinary businesses in South Tidore District. The results of the study indicate that the variable financial attitude does not have a positive and significant effect on financial management behavior, as indicated by a coefficient value of -0.09, with a t-value of 0.884 > t-table 1.666 and a significance level of 0.377 > 0.05. Financial knowledge has a positive and significant effect on financial management behavior, as indicated by a coefficient value of 0.771 with a t-value of 11.326 > t-table 1.666 and a significance level of 0.000 < 0.05. Financial self-efficacy also has a positive and significant effect on financial management behavior, as shown by a coefficient value of 0.177 with a t-value of 2.866 > t-table 1.666 and a significance level of 0.005 < 0.05. Simultaneously, financial attitude, financial knowledge, and financial self-efficacy have a significant effect on financial management behavior, proven by an F-value of 165.944 > F-table 2.730 and a significance level of 0.000 < 0.05.
TRANSFORMASI DIGITAL UMKM PEREMPUAN PESISIR MELALUI MODEL BISNIS INKLUSIF BERBASIS TEKNOLOGI/SAINS/SENI Ruray, Titiek Arafiani; Majojo, Muhammad Yasin; Yunus, Imran; Sudin, Idris
Jurnal Abdi Masyarakat Vol. 9 No. 1 (2025): Jurnal Abdi Masyarakat November 2025
Publisher : Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/jaim.v9i1.6917

Abstract

The Women’s Joint Business Group in Guraping, Tidore Islands, faces low production capacity (5–10 kg/week), weak management without records or legality, and limited marketing confined to local networks without digital technology. This study implements an inclusive business model based on science, technology, and arts to enhance business capacity, strengthen governance, and expand market access for coastal women. Using a participatory method, the program proceeded through five stages: socialization, training in business management and digital marketing, application of appropriate technology (fish smoking and sago grating machines), implementation of Standard Operating Procedures, and continuous mentoring with pre- and post-tests. Results show notable progress: evaluation scores rose by 85.8 percent, production increased up to 300 percent, 75 percent of participants actively adopted digital marketing, and average income grew by 80 percent. The program transformed traditional business practices into modern, sustainable patterns through strengthened management, technology adoption, and wider market access.
Co-Authors Dahlan, Fadli Hamid, Murniyati Hamid, Saina Hasan, Muhammad Hi. Hasan, Muhammmad Hi Jakin, Rahayu S.Hi. Majojo, Muhammad Yasin Monalysa, Lita Muhammad Zulham Muhammad, Supriyanto Nasarudin, Urna Nur, Saina M Ohorella, Eka Chrisma Rahmawaty Pratama, Reza Hardian Ridwansyah Ridwansyah Rosdiana Rosdiana Sudin, Idris Toduho, Dessy Ayuni toduho, Mustafa K Yunita Sari Yunus, Imran