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All Journal Jurnal Akuntansi dan Pajak Perspektif : Jurnal Ekonomi dan Manajemen Universitas Bina Sarana Informatika IJBE (Integrated Journal of Business and Economics) Indonesian Journal of Strategic Management Empowerment : Jurnal Pengabdian Masyarakat JURISMA: Jurnal Riset Bisnis & Manajemen International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) International Journal Administration, Business & Organization JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) PUBLICA: Jurnal Pengabdian Masyarakat JURNAL PENGABDIAN KEPADA MASYARAKAT (ADI DHARMA) Jurnal Pengabdian Masyarakat Bangsa Jurnal Keuangan dan Bisnis Konsienti: Community Services Journal DIGIBE: Digital Business and Entrepreneurship Journal eJEBA Indonesian Journal of Strategic Management (IJSM) JAMARI : Jurnal Pengabdian Masyarakat Mandiri JAMARI : Jurnal Pengabdian Masyarakat Mandiri INDONESIAN JOURNAL OF BUSINESS AND ECONOMICS
Munir Nur Komarudin
Universitas Kuningan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Meningkatkan Perilaku Menabung UMKM Cikupa dengan Implementasi Strategi Financial Nudging yang Efektif Munir Nur Komarudin; Dadang Suhardi; Deri Prayudi; Darul Fadli; Dzalika Bunga Azzahra
JAMARI : Jurnal Pengabdian Masyarakat Mandiri Vol. 2 No. 2 (2026): Januari
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37577/.v2i2.1008

Abstract

This community service activity aims to test the effectiveness of the implementation of the Financial Nudging strategy in improving savings behavior among Micro, Small, and Medium Enterprises (MSMEs) in Cikupa Village, Darma Kuningan. The local MSME community often faces challenges of undisciplined cash management and high financial vulnerability, which are key issues relevant to the sustainability of their businesses. The method used is a behavior-based intervention with a direct survey approach, involving a series of subtle "nudges", such as visual goal setting, savings commitment forms, and default settings for fund allocation. Based on the results of the program evaluation, it shows that the Financial Nudging intervention is able to significantly increase the frequency and amount of funds allocated by MSMEs for savings. In conclusion, Financial Nudging has proven to be a practical, low-cost, and sustainable solution. Its positive impacts are the creation of better financial discipline, reduced dependence on informal loans, and increased financial resilience of MSMEs, which ultimately contribute to the economic stability and welfare of the Cikupa Village community.
Meningkatkan Perilaku Menabung UMKM Cikupa dengan Implementasi Strategi Financial Nudging yang Efektif Munir Nur Komarudin; Dadang Suhardi; Deri Prayudi; Darul Fadli; Dzalika Bunga Azzahra
JAMARI : Jurnal Pengabdian Masyarakat Mandiri Vol. 2 No. 2 (2026): Januari
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37577/.v2i2.1008

Abstract

This community service activity aims to test the effectiveness of the implementation of the Financial Nudging strategy in improving savings behavior among Micro, Small, and Medium Enterprises (MSMEs) in Cikupa Village, Darma Kuningan. The local MSME community often faces challenges of undisciplined cash management and high financial vulnerability, which are key issues relevant to the sustainability of their businesses. The method used is a behavior-based intervention with a direct survey approach, involving a series of subtle "nudges", such as visual goal setting, savings commitment forms, and default settings for fund allocation. Based on the results of the program evaluation, it shows that the Financial Nudging intervention is able to significantly increase the frequency and amount of funds allocated by MSMEs for savings. In conclusion, Financial Nudging has proven to be a practical, low-cost, and sustainable solution. Its positive impacts are the creation of better financial discipline, reduced dependence on informal loans, and increased financial resilience of MSMEs, which ultimately contribute to the economic stability and welfare of the Cikupa Village community.
PENGARUH GAYA HIDUP HEDONISME, PENGALAMAN KEUANGAN, DAN PENGETAHUAN KEUANGAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN Munir Nur Komarudin; Herma Wiharno; Rina Masruroh
Jurnal Akuntansi dan Pajak Vol. 25 No. 2 (2025): JAP, Vol. 25, No. 02, Agustus 2024 - Januari 2025
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v25i2.16468

Abstract

The aim of this research is to analyze whether there is an influence of Hedonistic Lifestyle, Financial Experience, and Financial Knowledge on Financial Management Behavior. The research method used was quantitative with the population in this study being PKK women in Kuningan Regency, totaling 1,183 people. The sampling method used was proportional simple random sampling, the data collection technique used in this research was through distributing questionnaires and measuring using an interval scale. The research results show that the hedonistic lifestyle has a positive and significant influence on financial management behavior, financial experience has a positive and significant influence on financial management behavior, financial knowledge has a positive and significant influence on financial management behavior and simultaneously all three influence financial management behavior.
A Model of Consumptive Behavior in Fintech Paylater Users: Testing Financial Attitude and Self-Control with Locus of Control as a Moderating Variable Munir Nur Komarudin; Rina Masruroh; Wely Hadi Gunawan; Hamdan Danial
IJSM Vol 9 No 2 (2026): Indonesia Journal of Strategic Management
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/py1baq37

Abstract

This study examines the effect of financial attitude and self-control on consumptive behavior among fintech PayLater users and analyzes the moderating role of locus of control. A quantitative approach was employed using primary data collected through questionnaires, with analysis conducted using multiple regression and Moderated Regression Analysis (MRA).The results show that financial attitude and self-control have a negative and significant effect on consumptive behavior, indicating that better financial attitudes and higher self-control reduce consumptive tendencies. However, the relatively low coefficient of determination suggests that other factors outside the model also influence consumptive behavior.Moderation analysis reveals that locus of control does not moderate the relationship between financial attitude and consumptive behavior, but significantly moderates the relationship between self-control and consumptive behavior. This indicates that individuals with a stronger internal locus of control are more effective in utilizing self-control to suppress consumptive behavior. Thus, locus of control functions as a selective moderator, strengthening behavioral control rather than cognitive financial attitudes. The novelty of this study lies in integrating cognitive, psychological, and personality dimensions in the context of fintech PayLater. Practically, reducing consumptive behavior requires not only improving financial attitudes but also strengthening self-control and internal locus of control.
Co-Authors A.A. Ketut Agung Cahyawan W Amanah, Anisa Dwi Aris Budiman Aris Budiman Ayus ahmad Yusuf Dadang Suhardi Dadang Suhardi Dahl, Martin Darul Fadli Dede Djuniardi Deri Prayudi Deri Prayudi Devita Aprilyan Dicky Hardiansyah Dodi Dodi Dodi, Dodi Dzalika Bunga Azzahra Eeng Ahman, Eeng Elsa Rinjani Fatimah, Empat Fauzan, Adi Ilham Gilang Kripsiyadi Praramdana Hamdan Danial Hardjadi, Dikdik Harjadi, Dikdik Hartati, Teti Hepi Novita Dewi Herma Wiharno Iqbal Arraniri Irma Tsuraya Choirinnida Iskandar Iskandar Kartikasari, Dea Kuntara, Taopik Mulyana Marliani, Ana Nasser Nico Irawan Nugraha Nugraha Nugraha, Mr. Nurul Siti Jahidah Oktaviani, Winda Pasha, Riska Ayu Prayudi, Deri Ratih Hurriyati Rina Masruroh Rois, Tatang Siti Nurjanah Vigory Gloriman Manalu Wely Hadi Gunawan Wely Hadi Gunawan Wildan Permana Zaenal Asikin Yasir Maulana Yasir Maulana, Yasir Yunior, Ray