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Pengaruh Efikasi Diri, Literasi Digital, dan Modal terhadap Niat Berwirausaha (Survei pada Mahasiswa Entrepreneur Program Studi Administrasi Bisnis UMMI Periode 2021-2022) Yuwafi, Milki Hamdan; Jhoansyah, Dicky; Saori, Sopyan
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 6 No. 2 (2026): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v6i2.1923

Abstract

The rising number of educated unemployed graduates in Indonesia highlights the urgency of strengthening entrepreneurial intention among university students. Despite having academic qualifications, many graduates still prefer seeking formal employment rather than creating new businesses. This study aims to examine the effects of self-efficacy, digital literacy, and capital on entrepreneurial intention among students of the Entrepreneur Program in the Business Administration Study Program at Universitas Muhammadiyah Sukabumi during the 2021–2022 period. A quantitative approach was employed using a saturated sampling technique involving 96 students. Data were collected through structured online questionnaires measured using a Likert scale and analyzed using multiple linear regression with SPSS. The results indicate that self-efficacy has a positive and significant effect on entrepreneurial intention, suggesting that students with stronger confidence in their abilities are more inclined to engage in entrepreneurial activities. Digital literacy also shows a significant positive influence, emphasizing the importance of technological competence and critical information management in supporting entrepreneurial readiness. In addition, capital comprising financial, human, and social dimensions significantly affects entrepreneurial intention. Simultaneously, self-efficacy, digital literacy, and capital explain 93% of the variance in entrepreneurial intention. These findings support the Theory of Planned Behavior, particularly the role of perceived behavioral control in shaping entrepreneurial intention.
BUSINESS STRATEGIES OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES) IN FACING COMPETITION IN THE DIGITAL ERA IN CITAMIANG DISTRICT, SUKABUMI CITY Wahyudi, Muhamad Farhan; Danial, R.Deni Muhammad; Jhoansyah, Dicky
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8392

Abstract

In the ever-evolving digital era, businesses must face rapid and complex changes. New technologies, changing consumer behavior, and global challenges require business actors to have sound adaptation strategies. However, many Micro, Small, and Medium Enterprises (MSMEs) in Sukabumi City have not yet optimally utilized digital potential. Many still rely on traditional methods such as word-ofmouth marketing and physical sales. This highlights the digital divide among MSMEs that needs to be addressed through mentoring, digital training, and empowerment programs. Based on data and phenomena, the author used a qualitative research method. The author analyzed the issue related to social problems by implying important efforts, namely by asking questions to participants and collecting data that was then analyzed and interpreted using a descriptive approach, which can provide an overview of the focus of the author's research in the form of words. MSMEs that adapt to digital technology gain benefits such as increased competitiveness and market reach. However, they face obstacles such as costs, low technological understanding, and lack of policy support. Effective strategies to increase MSME competitiveness include digital marketing on social media, collaboration with marketplaces, digital literacy training, and product innovation. It is recommended to start developing a simple digital strategy.
THE ANALYSIS OF DESTINATION IMAGE ONREVISIT INTENTION WITH TOURISTEXPERIENCE AS A MEDIATING (Survey on Visitors to Goalpara Tea Park Sukabumi) Yunita Dwi Adzani Mahrifa; Asep Muhamad Ramdan; Dicky Jhoansyah
Proceedings International Indonesia Conference on Interdisciplinary Studies Vol. 1 (2025): Proceedings of The International Indonesia Conference on Interdisciplinary Studies (I
Publisher : Faculty of Social and Political Sciences, Universitas Lampung

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Abstract

This study aims to examine the influence of destination image on revisit intention, with the impression of tourist experience as a mediating variable, using Goalpara Tea Park in Sukabumi as the case study. As a newly established tourist destination, Goalpara Tea Park has attracted attention for its natural beauty and modern facilities. However, fluctuations in visitor numbers suggest that not all tourists are interested in returning. This study employs a quantitative approach with a total sample of 135 respondents who had previously visited the site. Data was collected through structured questionnaires and analyzed using the Partial Least Squares Structural Equation Modeling (SEM-PLS) method. The results show that destination image has a significant positive effect on both revisit intention and the impression of tourist experience. Furthermore, the impression of tourist experience significantly mediates the relationship between destination image and revisit intention. This indicates that a strong and positive destination image can enhance the quality of tourist experiences, which in turn increases the likelihood of tourists returning in the future. The findings emphasize the importance of aligning promotional content with actual on-site experiences to avoid visitor disappointment. The study provides both theoretical contributions to consumer behavior and marketing literature and practical recommendations for tourism managers inimproving service quality and strategic image-building efforts. Enhancing both the physical and emotional aspects of the tourist journey is vital in fostering lasting impressions and loyalty among visitors
AN ANALYSIS OF THE INFLUENCE OF DEBT TO EQUITY RATIO, CURRENT RATIO, RETURN ON ASSETS, AND SALES GROWTH RATE ON FINANCIAL DISTRESS Zakia Putri Sakinah; Dicky Jhoansyah; Tetty Sufianty Zafar
Proceedings International Indonesia Conference on Interdisciplinary Studies Vol. 1 (2025): Proceedings of The International Indonesia Conference on Interdisciplinary Studies (I
Publisher : Faculty of Social and Political Sciences, Universitas Lampung

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Abstract

Indonesia’s textile industry is under significant pressure due to the global pandemic, exchange rate volatility, and high debt dependence, which has increased the risk of financial distress for major companies such as PT Sri Rejeki Isman Tbk (Sritex). This study aims to analyze the effect of Debt to Equity Ratio (DER), Current Ratio (CR), Return on Assets (ROA), and Sales Growth Rate (SGR) on financial distress, measured using the Altman Z-Score model. A quantitative approach was applied with multiple linear regression using SPSS 26 software, based on the company's quarterly financial reports for the 2017–2024 period. Partial test results (t-test) show that DER has a significant negative effect (β = -0.212; Sig. = 0.000), indicating that higher debt levels increase financial distress risk. ROA has a significant positive effect (β = 0.122; Sig. = 0.000), reflecting that asset efficiency reduces the likelihood of distress. Meanwhile, CR (Sig. = 0.136) and SGR (Sig. = 0.281) have no significant effect. The simultaneous test (F-test) yields F = 92.768 with Sig. = 0.000, confirming that the four variables jointly influence financial distress. The coefficient of determination (R²) is 0.964, indicating the model explains 96.4% of the variance in financial distress. The findings emphasize the importance of managing capital structure and improving profitability to mitigate financial distress. Future research is recommended to include multiple firms and consider external factors such as macroeconomic conditions and corporate governance.
THE INFLUENCE OF FINANCIAL SOCIALIZATION, FINANCIAL EXPERIENCE, AND FINANCIAL LITERACY ON INVESTMENT INTENTION Hilwa Salsa Bila; Dicky Jhoansyah; Faizal Mulia Z
Proceedings International Indonesia Conference on Interdisciplinary Studies Vol. 1 (2025): Proceedings of The International Indonesia Conference on Interdisciplinary Studies (I
Publisher : Faculty of Social and Political Sciences, Universitas Lampung

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Abstract

The rapid advancement of technology has made it easier for individuals to carry out various activities, including investing. Amid the current weakening of Indonesia’s Composite Stock Price Index (IHSG), an increase in public investment interest is expected to contribute positively to the national economy. Generation Z, as digital natives, holds significant potential in the development of the investment sector. This study aims to analyze the influence of financial socialization, financial experience, and financial literacy on investment intention among Generation Z in Sukabumi City. A quantitative approach with an associative method was employed in this research. Data were collected using purposive sampling, involving 170 respondents categorized as members of Generation Z. The data were analyzed using multiple linear regression analysis. The results reveal that financial socialization does not significantly influence investment intention, indicating that social interaction or exposure alone may not be sufficient to drive investment behavior among Generation Z. In contrast, financial experience has a positive and significant effect on investment intention. Similarly, financial literacy also shows a positive and significant effect on investment intention among Generation Z. These findings suggest that financial experience and financial literacy play crucial roles in shaping individuals' intentions to invest. Therefore, stakeholders are encouraged to enhance financial education programs and provide more practical financial experiences to increase investment interest among younger generations, particularly Generation Z.
Co-Authors Acep Samsudin Afra Maulia Ai Nurhalimah Aisha, Salsabil Aisyah, Serlina Alayya, LA Syara Alfana Duwi Alamanda Aliya Nurfauzia Amira Tussa'Adah Anak Agung Gede Sugianthara Andi Sopandi Andre Reymon Nirwana Aneu Lutfiana Anggita Dwi Rahmatika Anisa Nur Oktaviani Annisa, Annisa Mardiana Ramdhani Any Octaviany Asep Muhamad Ramdan Asep Muhammad Ramdan Asep Saepuloh Aufa Salwa Hidayat Aulia Agustian Awaliyah, Nanda Putri Azizulhaq, Muhammad Bagja Pasca Ramadhan Bilqis Nabillah Galih Bima Zikrillah Haq Bobby Billian Ramadhan Cindy Fitriya Dara Almira Deni Muhammad Danial Deria Cahya Fitriadi Desti Karimah Deuis kartinah Devi Ayulestari Dewi, Fitriani Deya Mentari Octavia Anugerah Dina Apriani Dion Setianto Disa Siti Nurjanah Elsa Amaliana Elsa Gusfryani Elsa Yulianti Erik Candra Pertala Erry Sunarya Erry Sunarya Fadhila Wanda Hidayati Faizal Mulia Z Fajar Bayhaq, Tegar Fazrin, Fauzi Ikhsan Febriani, Selvy Fendira lutfianisa Fikri Ahmad Fauzi Gunawan, Meilani Gusfryani, Elsa Hana Alvita Hanifah, Bunga Haniifah , Khairunnisa Hanna Friska P Friska P Hilwa Salsa Bila Hudaya, Syalva Fauzia Ilham Purnama Putra Intan Firmantiny Yulia Intana Audri Frikatiani Ira Ardyani Isa, Indra Griha Tofik Iwan Rizal Setiawan Jauza Dzahabiyya Juliaristanti, Vira Karin Maulia Sulaeman Kokom Komariah Kokom Komariah Lala Febby Ardiany Leonita Siwiyanti Lia Amelia Lienry Salsia Putri Suryadi Linda Novita Dewi Lindiana, Resa Lisnawati Lisnawati Lisnawati Lisnawati Lisnawati Listiawati, Pika Lulu Almarjan Lulu Luciana Luthfi Aulazia Fatahillah Mazzlida Mat Deli Mila Almaudina Mita Tri Utami Mitha Tri Mutiar Moch Lutfi Gunawan Mochamad Anton Wiguna Saputra Mochammad Sigit Satibi Muhamad Ramdan, Asep Muhammad Rahmatullah, Muhammad Muhammad Tasbit Hamzah Ramdani Murty, Try Mustika Nabila Salsabila Rahman Najma Alifia Nanda Putri Awaliyah Nazri Raihan, Muhammad Nazriel, Muhammad Neneng Maesyarah Neng Nia Fania Nor Norisanti Novy Anggraini Nurdianti, Resti Nurmala, Resa Pika Pirliana Pitriani, Elsa Priyanti Handayani Pryal, Agitya Nur R Deni Muhammad Danial Rahmatika, Anggita Dwi Raihan Mughits Shalshabill Ramdan, Asep M. Ramdan, Asep Muhammad Ramdani, Muhamad Sahrul Rana Putra Pamungkas Refi Sandria Oktapiadi Reina Riswanti Pertiwi Reni Uniana Resa Nurmala Resta Restiani Resti Juwita Resti Yunisa Restiani, Resta Ria Mulvianti Riana Afriansyah Rifki Ramdhan Rika Indriani Rika Nur Rahmawati Rima Praditya Septiani Rini Anisa Riri Rifardi Riska Riska Riska Riska Risma Melati Risnanamawati Risnanamawati Rivaldi Muslim Ruswandi Rizki Akbari Rizky Anugerah Pratama Rosanti Rosanti Sahira Nurjehan Saidah, Siti Aulia Salsabil Aisha Salsabila Khoirunnisa Sami Raras Sarah Nurlaeli Tanzil Selawati Selawati Setianto, Dion Siti Nur Syipa Siti Nuraeni Sonia Firdaus Sopyan Saori Srimaulani, Vina Sulaeman, Karin Maulia Sunarya, Erry Sunarya, Erry Suryana, Erry Syaban, Agil Syawaliyah, Nisrina Syifaurrohmah, Syifaurrohmah Taopik, Moh. Tarisa Nur Fadilah Tetty Sufianty Zafar Ujang Sumarwan Ulpa, Fhirda Putriana Uniana, Reni Vira Juliaristanti Wahyu Restu Illahi Wahyudi, Muhamad Farhan Widya Nindi Pratiwi Wijaya, Sukma Winda Astri HIdayat Windi Yanti Wiwin Rosmiyanti Agustin Yeti Laelasari Yoga Mudofar Bahri Yuniar, Elsa Yunita Dwi Adzani Mahrifa Yuwafi, Milki Hamdan Zafar, Tetty Suffianty Zahra, Nadabila Zakia Putri Sakinah