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All Journal Jurnal Ilmiah Mahasiswa FEB UNEJ e-Proceeding Jurnal Ilmu Manajemen (JIMMU) Jurnal Ekonomi dan Bisnis Indonesia International Journal of Economics, Business and Accounting Research (IJEBAR) Accounting Profession Journal (APAJI) International Journal of Global Accounting, Management, Education, and Entrepreneurship (IJGAME2) Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Ilmu Manajemen Advantage Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak Al-Khidmah Jurnal Pengabdian Masyarakat Jurnal Pengabdian Mandiri Jurnal Gici Jurnal Keuangan dan Bisnis Capacitarea : Jurnal Pengabdian Kepada Masyarakat Journal of Economics, Entrepreneurship, Management Business and Accounting Journal of Social Knowledge Education (JSKE) TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan International Journal of Accounting and Management Research (IJAMR)
Yulian Ade Chandra
Institut Teknologi Dan Bisnis Widya Gama Lumajang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Education, Environment, and Digital Access to Financial Literacy through Self-Efficacy Aji Prasetyo Suyono; Yulian Ade Chandra; Kartika Ayu Kinanti; Nayla Iftitah Despriana; Lisa Faradianti
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1628

Abstract

Purpose – This study aims to examine the influence of financial education, family environment, and digital access partially on students' financial literacy, by placing financial self-efficacy as a mediating variable. Design/methodology/approach – This study employed a quantitative method with a survey approach through questionnaire distribution. Primary data were collected from the active student population in East Java. The sample was determined using the Lemeshow formula with a purposive sampling technique. Data analysis was conducted in stages using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method through SmartPLS software to test the outer model, inner model, and hypothesis testing via bootstrapping. Finding/Results – The test results show that financial education has a positive and significant direct impact on students' financial literacy. Conversely, the direct influence of family environment and digital access was shown to be insignificant on students' financial literacy. The mediation pathway of financial self-efficacy was found to fail to bridge the influence of financial education, but was found to establish a significant indirect-only relationship of family environment and digital access on financial literacy. Originality/Value – The main novelty of this study lies in the role of family environment and digital access, which were shown to have no direct role, but became very significant when intervened by the psychological mediator factor of financial self-efficacy. The main message of this study is that individual financial mental maturity is an indirect-only mediation prerequisite for successful financial literacy adoption in the digital era.
Ibu Bijak, Keuangan Cermat: Edukasi Pengelolaan Keuangan Keluarga Berbasis Literasi Finansial Kartika Ayu Kinanti; Yulian Ade Chandra; Ayu Nareswari
Al-Khidmah Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2025): MEI-AGUSTUS
Publisher : Institute for Research and Community Service (LPPM) of the Islamic University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jak.v5i2.4379

Abstract

Effective household financial management is a key factor in maintaining family well-being. However, many housewives still face challenges in managing their finances due to limited knowledge of budgeting, saving habits, and basic investment concepts. This low level of financial literacy can increase the risk of household economic instability, especially amid continuously changing economic conditions. To address this issue, this community service program was implemented to provide practical and applicable financial literacy education tailored to the needs of housewives. The program was delivered through interactive training sessions, offering participants a better understanding of financial literacy fundamentals, realistic household budgeting techniques, basic saving and investment strategies, and ways to avoid harmful debt practices. Through this training, participants are expected to gain the skills and confidence needed to apply sound financial principles in their daily lives. The expected outcomes of this activity include improved financial literacy among participants, the ability to independently create structured household financial plans, and positive changes in financial behavior that promote responsibility and discipline. Furthermore, the program aims to raise awareness of the importance of financial planning as a foundation for a more stable and prosperous family future.
FunTax Learning: Edukasi Pajak Interaktif Melalui Video Animasi Kartika Ayu Kinanti; Yulian Ade Chandra; Marsuhin Marsuhin
Al-Khidmah Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2026): JANUARI-APRIL
Publisher : Institute for Research and Community Service (LPPM) of the Islamic University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jak.v6i1.5271

Abstract

The FunTax Learning Program: Interactive Tax Education through Animated Videos is a community service initiative aimed at improving tax literacy among students and young people. Low levels of tax understanding are largely caused by the technical nature of tax materials and their limited adaptation to the learning characteristics of the digital generation. This condition highlights the need for more communicative and engaging educational media innovations. The program was implemented through the development of educational animated videos based on visual learning approaches. The activity stages included tax material planning, simple script writing, animated video production by students, and dissemination through social media platforms. This approach was designed to simplify basic tax concepts using clear academic language supported by easily understood visual elements. The results indicate the availability of animated video-based tax education media that can be widely utilized as alternative learning resources. The FunTax Learning Program confirms that integrating digital technology into community service activities is effective in enhancing early tax understanding and awareness, while also contributing to the sustainable strengthening of public tax literacy
Profil Perilaku Keuangan Mahasiswi: Menggunakan Pendekatan K-Means Clustering Kartika Kinanti; Yulian Ade Chandra; Aji Prasetyo Suyono
Jurnal Gici Jurnal Keuangan dan Bisnis Vol 17 No 2 (2025): Jurnal Gici Jurnal Keuangan dan Bisnis
Publisher : Sekolah Tinggi Ilmu Ekonomi GICI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58890/jkb.v17i2.541

Abstract

This study aims to profile financial behavior among female students of ITB Widya Gama Lumajang using the K-Means clustering method, with a focus on financial literacy, consumption patterns, financial management, and the phenomenon of Fear of Missing Out (FOMO). A quantitative approach was employed through cluster random sampling, involving 100 active female student respondents. Data were collected using a structured questionnaire with semantic scale measurements, which had been tested for validity and reliability. The results of the analysis indicate the formation of four clusters, labeled Good, Moderate, Poor, and Extreme, reflecting the heterogeneity of respondents’ financial behavior. The findings show that female students with higher levels of financial literacy tend to demonstrate more structured financial management, better control over consumption, and lower levels of FOMO. Conversely, uncontrolled consumption patterns and high levels of FOMO contribute to the emergence of an extreme behavioral group. These findings are expected to provide an empirical foundation for the development of more targeted financial education strategies, as well as to serve as a basis for institutional decision-making aimed at minimizing impulsive financial behavior among female students in the digital era.
Analysis of the Financial Literacy Level of Generation Z College Students and Its Implications for the Use of Paylater in the Context of Economic Education Aji Prasetyo Suyono; Yulian Ade Chandra; Muhammad Mukhsin
Journal of Social Knowledge Education (JSKE) Vol. 6 No. 2 (2025): May
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v6i2.1742

Abstract

Purpose of the study: Describes the extent to which Gen Z students understand financial literacy and how it is applied to the use of PayLater. Methodology: This study uses a qualitative descriptive approach by providing questionnaires to Gen Z students in the cities of Surabaya, Semarang, Malang, Lumajang, and Jember in April 2025. Main Findings: The results show that the literacy level of Gen Z students is in the medium category. Then, the implication of this literacy level is that many respondents think that the use of paylater tends to influence shopping habits and can also influence lifestyle. Apart from that, regarding perceptions of paylater services as a whole, most respondents tend to choose neutral perceptions rather than positive or negative perceptions. Thus, there needs to be education through formal education, public campaigns, and easy access to financial information for students so that there is a balance between thinking ability and action in terms of financial management. Novelty/Originality of this study: This study develops and expands the theory of financial literacy with Gen Z students as the object of research.
Studi Literatur: Pengaruh Inklusi Keuangan dan Kinerja Keuangan terhadap Keberlanjutan Keuangan David Arifin; Yulian Ade Chandra
TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Vol. 3 No. 4 (2026): TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan
Publisher : Shofanah Media Berkah

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tujuan studi ini meninjau pengaruh inklusi keuangan dan kinerja keuangan terhadap keberlanjutan keuangan pada periode 2020-2025. Penelitian menggunakan metode critical review terhadap 22 artikel ilmiah. Hasil kajian menunjukkan inklusi keuangan mayoritas berpengaruh positif terhadap keberlanjutan keuangan, karena efektif memperluas akses layanan. Namun, temuan ini tidak selalu konsisten jika dipengaruhi oleh kebijakan dan jenis instrumen digital yang digunakan. Kinerja keuangan yang diukur melalui profitabilitas (ROA dan ROE), umumnya berkorelasi positif terhadap keberlanjutan meskipun inkonsistensi juga ditemukan. Seringkali disebabkan oleh fokus laba jangka pendek dan tata kelola yang belum terintegrasi. Stabilitas dan ketahanan sistem keuangan hanya dapat dicapai melalui keseimbangan strategis antara upaya perluasan akses inklusi dan penguatan kinerja keuangan (melalui efisiensi dan tata kelola).
Co-Authors Aji Prasetyo Suyono Aji Prasetyo Suyono Al Maidah, Firdaus Ananda Salsabila Kenyo Sarasati Ayu Nareswari David Arifin Dea Rahayu Firdaus Al Maidah Firdaus Al Maidah Irdiana, Sukma Irene Oktavia Juni Herawati Kartika Kinanti Kevin Genjar Sandy Nugraha KINANTI, Kartika Ayu Kurniawan Yunus Ariyono Kurniawan Yunus Ariyono Kusnanto Darmawan Kusnanto Darmawan Lisa Faradianti Maidah, Firdaus Al Marsuhin Marsuhin Moh. Hudi Setyobakti Muhammad Mukhsin Muhammad Noor Khairullah Mukhsin, Muhammad Nareswari, Ayu Nayla Iftitah Despriana Ninik Lukiana Sumardi, Umar Suyono, Aji Prasetyo Suyono, Aji Preasetyo Wenny Adistyaningrum Yeni Hilma Dwiyanti