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Students Consumptive Behavior and Its Implications for Achieving SDGs Putri Wahyu Ningsih; Dhiah Fitrayati
Journal of Psychology and Culture Behavior in SDGs Vol. 1 No. 2 (2025): July
Publisher : Sekolah Tinggi Agama Islam Sabilul Muttaqin Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63230/jopacbis.1.2.67

Abstract

Objective: This study aims to analyze the influence of financial literacy and digital literacy on consumptive behavior with the use of digital payments as a mediating variable. The research was conducted among students of the Economic Education program from the 2021, 2022, and 2023 class. Method: This research uses a quantitative method with a causal associative research type. The data analysis technique in this study uses the Structural Equation Modeling (SEM) analysis method with the Partial Least Squares (PLS) approach in SmartPLS 4 software. Results:  The results show that financial literacy has a negative effect on consumptive behavior, digital literacy has a negative effect on consumptive behavior, financial literacy negatively affects the use of digital payments, and digital literacy positively affects the use of digital payments. Furthermore, the use of digital payments positively influences consumptive behavior. Financial literacy also negatively affects consumptive behavior through the use of digital payments, while digital literacy positively affects consumptive behavior through the use of digital payments. Novelty: This study simultaneous applies the Theory of Planned Behavior (TPB) and the Unified Theory of Acceptance and Use of Technology (UTAUT) to analyze student’ consumptive behavior, with the use of digital payment as a mediating variable between financial literacy and digital literacy.
Why is Education Improving? An Economic and Poverty Investigation of Average Length of Schooling in the Context of SDG 4 (Quality Education) in East Java 2015-2024 Rohmatul Insaniyah; Muhammad Abdul Ghofur; Heny Musfida; Dhiah Fitrayati; Dani Dwi Saputra
Journal of Psychology and Culture Behavior in SDGs Vol. 2 No. 1 (2026): March
Publisher : Sekolah Tinggi Agama Islam Sabilul Muttaqin Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63230/jopacbis.2.1.114

Abstract

Objective: The low quality of education in Indonesia ranks 12th out of 12 countries in Asia according to a survey by PERC, and East Java Province is still below the mandatory 9-year education standard based on data from BPS of 8.69 years in 2024. Therefore, this study aims to analyze the effect of Gross Regional Domestic Product (GRDP) and poverty levels on the average length of schooling in East Java Province during the period 2015–2024. Method: The method used in this study is multiple linear regression or Ordinary Least Square (OLS) analysis through SPSS to see the relationship between the two economic variables and the community's educational attainment. The data used is secondary data from the Central Statistics Agency, which covers regional educational development and economic conditions.  Results: The results show that GRDP and poverty levels simultaneously have a significant effect on average length of schooling, with an explanatory contribution of 76%. However, partially, both variables have a negative effect, indicating that economic growth is not yet evenly distributed and poverty remains an obstacle to improving education. This study is expected to provide input for local governments in formulating policies to improve the quality of education. Novelty: The novelty of this study lies in the analysis of the partial and simultaneous effects of two major economic factors on education indicators at the regional level, which has not been empirically studied much previously. Therefore, this study supports SDG 4 (Quality Education) by ensuring inclusive and equitable quality education and promoting lifelong learning opportunities.
Pelatihan Guru MGMP Ekonomi Kabupaten Sidoarjo dalam Mengimplementasikan Pendekatan Deep learning untuk Meningkatkan Critical Thinking Skill Pamungkas, Heni Purwa; Ghofur, Muhammad Abdul; Fitrayati, Dhiah; Amirusholihin, Amirusholihin; Nurlaili, Eka Indah
Jurnal SOLMA Vol. 15 No. 1 (2026)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v15i1.21263

Abstract

Background: Salah satu tantangan di bidang pendidikan ialah rendahnya kemampuan berfikir kritis siswa. Penelitian ini bertujuan untuk mengevaluasi efektivitas pelatihan guru mengenai implementasi pendekatan deep learning untuk meningkatkan kemampuan berfikir kritis siswa. Metode: Metode yang digunakan ialah pelatihan serta pendampingan bagi guru Ekonomi dalam mengimplemengtasikan pendekatan deep learning. Hasil: Pelatihan dan pendampingan berkelanjutan yang dilakukan terbukti efektif dalam meningkatkan keterampilan guru dalam mengimplementasikan pendekatan deep learning. Kesimpulan: Pelatihan dan pendampingan penerapan pendekatan deep learning membantu guru dalam meningkatkan kualitas pembelajaran di kelas. Namun, pelatihan ini masih terbatas pada lingkup guru Ekonomi di Kabupaten Sidoarjo. Sehingga, untuk pelatihan berikutnya diharapkan mampu menjangkau peserta dengan lingkup yang lebih luas.
Empowering Gen Z Economics Teachers: AI Mindset, Experiential Learning and Career Readiness for Sustainable Development Dely Nuralizah; Eka Hendi Andriansyah; Dhiah Fitrayati; Ramlee bin Ismail
International Journal of Emerging Research and Review Vol. 4 No. 2 (2026): June
Publisher : IKIP Widya Darma Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56707/ijoerar.v4i2.170

Abstract

Objective: The ongoing transformation of education due to technological advances and artificial intelligence demands that prospective teachers possess change-sensitive skills and comprehensive career readiness. To support the implementation of SDGs, particularly goals 4 and 8 which include improving the quality of education as well as decent employment opportunities and economic growth. strengthening the competencies and job readiness of prospective teachers is becoming an increasingly important issue. This study seeks to examine the effect of AI mindset on the career readiness of economics education students who are preparing to become future economics teachers. Method: This study, using a PLS-SEM approach, also examines the role of experiential learning as a mediating variable in the relationship between AI mindset and career readiness. Results: This study found that an AI mindset had a positive and significant impact on career readiness, both directly and through enhanced experiential learning. These results suggest that combining an AI mindset with contextual learning experiences can strengthen students' readiness to face the demands of careers in the digital age. Novelty: Placement of experience-based learning as a mediating variable that connects AI mindset with career readiness of prospective economics teachers, especially in teacher education in Indonesia.
Effect of Schooling Years, Minimum Wages, and Population Growth on Open Unemployment in Bojonegoro Syifaul Fuaadhilah Kholis; Heny Musfidah; Dhiah Fitrayati; Shochrul Rohmatul Ajija
JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan Vol. 10 No. 1 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jpeka.v10n1.p71-84

Abstract

Objective: This study aims to analyze the effect of Average School Length, Minimum Wage, and Population Growth Rate on the Open Unemployment Rate in Bojonegoro Regency for the 2005–2024 period. The research uses a quantitative approach with secondary data obtained from the Central Statistics Agency and related literature. Method: The analysis was performed through multiple linear regression using time series data with a series of classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation tests. Results: Show that some variables of population growth rate do not have a significant influence on the Open Unemployment Rate. Meanwhile, the variables of average length of school and minimum wage have a significant and positive influence on the Open Unemployment Rate, which means that these two variables have the potential to lower the open unemployment rate. At the same time, the three independent variables have been proven to have a significant influence on the Open Unemployment Rate. An Adjusted R-Squared (R²) value of 0.687 indicates that 68.7% variation in the Open Unemployment Rate can be explained by Average School Length, Minimum Wage, and Population Growth Rate. Novelty: These findings emphasize the importance of controlling population growth and expanding employment opportunities, especially for highly educated graduates who dominate open unemployment in Bojonegoro. The results of the research are expected to be the basis for local governments in formulating more targeted employment and education policies.
MINAT MENJADI GURU EKONOMI DAN LITERASI DIGITAL SEBAGAI PREDIKTOR KESIAPAN MENJADI GURU EKONOMI Muhammad Azizun Habibulloh; Dhiah Fitrayati
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Verified
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.59253

Abstract

The quality of education is inseparable from the readiness of prospective teachers to carry out their professional duties. This study examines the influence of interest in becoming an economics teacher and digital literacy on the readiness to become an economics teacher among Economics Education students at Universitas Negeri Surabaya (UNESA), cohort 2022. Grounded in Bandura's Social Cognitive Theory, interest in teaching is positioned as a personal factor while digital literacy functions as an environmental factor, both of which interact reciprocally to shape the behavioral dimension of teacher readiness. An explanatory quantitative design was employed with total sampling, yielding 93 respondents. Data were collected through a Likert-scale questionnaire and analysed using multiple linear regression with SPSS 27. Classical assumption tests confirmed that the model was free from violations of normality, multicollinearity, heteroscedasticity, and autocorrelation. Results indicate that interest in becoming an economics teacher exerts a positive and significant effect on teacher readiness (β = 0.617; t = 4.203; p < 0.001). Digital literacy similarly demonstrates a positive and significant effect (β = 1.259; t = 6.482; p < 0.001), with a stronger relative contribution (β-standardised = 0.541) compared to interest (β-standardised = 0.351). Simultaneously, both predictors explain 67.6% of the variance in teacher readiness (Adjusted R² = 0.676; F = 96.819; p < 0.001). These findings underscore the need for teacher education institutions to cultivate teaching vocation and strengthen digital competence as strategic pillars in preparing professional economics teachers.
Co-Authors , ALFARABI Ady Soejoto ADY SOEJOTO Ady Soejoto Aini, Aulia Nur Albrian Fiky Prakoso Amirul Arif Amirusholihin, Amirusholihin Anggista, Melliana Dian Arimurti, Yogiswara ARINA SABILLA HAQ Arina Salsabilla Haq Buchori Agus Wahyudi CYNTHIA EKA PUTRI Dani Dwi Saputra Dely Nuralizah Dewi Prastiwi Eka Hendi Andriansyah EKA PUTRI, CYNTHIA Endang Sri Andayani Evinjuniawati, Retno Farida Styaningrum Febriana Sa’idah Hari Wahyono Heni Purwa Pamungkas Henik Yulia Heny Musfida Hidayatulloh, Masykur Husaeri Ardika Dwi Putra Ida Ayu Putu Sri Widnyani Imam Mukhlis Indah Nurlaili, Eka Jun Surjanti LANTY OKTANISA Maknunin, Binti Lu'luil Masrurah, Masrurah Masruroh Masruroh Mochtarom, Nabila Rizky Amanda MUHAMMAD ABDUL GHOFUR Muhammad Azizun Habibulloh Muhammad Rizal Syaifuddin Musfidah, Heny Mutiara Agista Gunawan Putri NANDA OKTAFIANI CORNELIA BURNAMA Ngundiati, Nuryatim Nisa Widya Wardani Ni’matush Sholikhah NORIDA CANDA SAKTI Novendra Wahyu Wardana Novita Erliana Sari, Novita Erliana Nur Atiyatun Nafisah Nur Indah Rahmawati Nurlaili, Eka Indah Nurul Azmi, Nurul Oktafia, Melinda Ayu OKTAFIANI CORNELIA BURNAMA, NANDA OKTANISA, LANTY Putri Bungsu Haniah Ayuningrum Putri Wahyu Ningsih Putri, Risma Ananda Rafsanjani, Mohamad Arief Ramlee bin Ismail Rani Faniamawati RETNO MUSTIKA DEWI RIZA YONISA KURNIAWAN Rohmatul Insaniyah Rosari Nabila Denada Salsha Listya Rosanaya SANASYA, Yahdinil Husna Septianingrum, Catur Hirma Shochrul Rohmatul Ajija Siti Nur Sholikha Sunadin, Muhammad Syifaul Fuaadhilah Kholis Triska Aulia Fibrianti Wahyu Putri Lestari Wardani, Leni Ayu Yazied Kamal Fanani Yoyok Soesatyo Yunika Nurfadilla Zahratun Nisa Zhazha Zahira Ginastuti