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All Journal International Journal of Evaluation and Research in Education (IJERE) Jurnal Ilmu Manajemen (JIM) Buletin Al-Turas Dinamika Pendidikan Lembaran Ilmu Kependidikan Jurnal Celtic JAM : Jurnal Aplikasi Manajemen JPBM (Jurnal Pendidikan Bisnis dan Manajemen) REFLEKSI EDUKATIKA JABE (Journal of Accounting and Business Education) Jurnal Humanitas: Katalisator Perubahan dan Inovator Pendidikan IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature REiD (Research and Evaluation in Education) JURNAL MANAJEMEN MOTIVASI Jurnal Akuntansi Aktual Jurnal SOLMA Pendas : Jurnah Ilmiah Pendidikan Dasar LINGUA LITERA : journal of english linguistics and literature JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Assets: Jurnal Akuntansi dan Pendidikan AGROMIX Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Surya Abdimas Jurnal Riset Bisnis dan Investasi Titian: Jurnal Ilmu Humaniora Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat JBMR: Journal of Business and Management Review Journal of Social Science Edukasi Lingua Sastra International Journal Of Science, Technology & Management (IJSTM) Pasundan International of Community Services Journal (PICS-J) Ilomata International Journal of Management JOURNAL OF ECONOMICS EDUCATION AND ENTREPRENEURSHIP International Journal of Business, Law, and Education Jurnal Pengabdian Masyarakat Indonesia Journal of English Language and Education International Journal of Economy, Education and Entrepreneurship (IJE3) Jurnal Abdi Masyarakat Indonesia Journal of Applied Business, Taxation and Economics Reseach Social Science Studies International Journal of Humanities Education and Social Sciences JRABA International Journal of Applied Business and International Management International Journal of Accounting & Finance in Asia Pasific Asia Pacific Journal of Management and Education Asian Journal of Management Analytics Journal of Language and Literature Studies Governors International Journal of Economics and Management Research Economics and Business Journal Jurnal Masyarakat Madani Indonesia Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Journal of Social Science Jurnal bintang manajemen MILRev: Metro Islamic Law Review Cendikia: Jurnal Pendidikan dan Pengajaran Jurnal El-Hadhary: Jurnal Penelitian Pendidikan Multidisiplin IIJSE Nusantara Economics and Entrepreneurships Journals Litera : Jurnal Bahasa dan Sastra Journal of English Education Forum (JEEF) International Journal of Business and Quality Research International Journal of Technology and Education Research Asian Journal of Management, Entrepreneurship and Social Science Civilia: Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan International Journal of Economics and Management Research
Cipto Wardoyo
Universitas Negeri Malang
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Neuroscience Nursing Physics Public Health Social Sciences Transportation Other

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Pengaruh Digital Competence, Fear of Missing Out (Fomo), dan Peer Pressure terhadap Keputusan Pembelian melalui Literasi Keuangan sebagai Variabel Mediasi pada Gen Z Kota Malang Naili Ifrozul Mawaddah; Cipto Wardoyo; Ludi Wishnu Wardana
Jurnal Humanitas: Katalisator Perubahan dan Inovator Pendidikan Vol 12 No 1 (2026): Maret
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jhm.v12i1.34138

Abstract

The rapid development of digital technology has significantly changed consumer behavior, particularly in purchase decision-making among Generation Z. As a generation that grows and interacts within a digital environment, Generation Z shows high intensity in using digital platforms and e-commerce. This condition requires adequate digital competence and financial literacy to support rational consumption behavior. At the same time, psychological and social factors such as fear of missing out (FOMO) and peer pressure also influence purchasing tendencies, often leading to impulsive buying behavior. This study aims to analyze the effects of digital competence, fear of missing out (FOMO), and peer pressure on purchase decisions, both directly and indirectly through financial literacy as a mediating variable. A quantitative research approach was employed using a survey method. Data were collected from Generation Z respondents who had experience with online shopping. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to examine direct and indirect relationships among the variables. The results indicate that digital competence has a positive and significant effect on financial literacy and purchase decisions. Meanwhile, FOMO and peer pressure do not have a significant direct effect on purchase decisions; however, both variables significantly influence financial literacy. Furthermore, financial literacy has a positive and significant effect on purchase decisions. Mediation analysis confirms that financial literacy plays an important role in mediating the effects of digital competence, FOMO, and peer pressure on purchase decisions. These findings highlight the strategic role of financial literacy in controlling the influence of digital, psychological, and social factors on consumer behavior. Therefore, strengthening financial literacy and digital competence is essential to encourage rational and responsible purchasing decisions among Generation Z in the digital era.
The Role of Digital Marketing Adaptation in Measuring the Success of MSE in Pinrang Regency Asis, Andini Putri Ramadhani; Cipto Wardoyo; Farida Rahmawati
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8952

Abstract

This study analyzes the influence of the entrepreneurial environment on the success of MSE through digital marketing adaptation as a mediating variable. This study used a quantitative approach with a purposive sampling technique involving 399 respondents. Data were analyzed using SEM-PLS. The results show that the entrepreneurial environment has a significant influence on digital marketing adaptation and MSE success. Furthermore, digital marketing adaptation is proven to mediate the relationship between the entrepreneurial environment and MSE success. These findings provide implications for MSE to optimize the use of digital marketing platforms to increase business success. Keywords: Entrepreneurial Environment; Digital Marketing Adaptation; MSE Success
Internal Auditors Fraud Detection: A Phenomenological Study Ida Fatmawati Ar'Reza; Cipto Wardoyo; Sheila Febriani Putri
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 3, No 2 (2020): June 2020
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v3i2.836

Abstract

The purpose of this study is to find out the meaning of fraud for internal auditors and what they experience in detecting it. This is a qualitative research using interpretive paradigm with phenomenological methods. The data of this study are the results of observations and interviews with internal auditors in a state-owned company in East Java, and internal audit charter documentations. Based on the results of the interview, four conclusions from the research results are drawn. First, internal auditors literally interpret fraud and as an occupational task focusing on the internal control. Second, fraud detection is more accurately described as fraud potential detection, in which they can find redflag or fraud indication during the inspection with Risk Based Internal Audit method. Legitimacy Theory is the basis when the auditors have gained legitimacy from fraud meaning and detection, since it is in accordance with their roles, activities and competencies in carrying it out.
Reconstruction Of Performance Measurement Models For Mental Hospitals Etika Novitasari; Satia Nur Maharani; Cipto Wardoyo
Asia Pacific Journal of Management and Education (APJME) Vol 3, No 3 (2020): November 2020
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v3i3.967

Abstract

The purpose of this study is to build a performance measurement model which appropriate with the characteristics of the RSJ. This research uses a qualitative case study approach. The results showed that the RSJ used the BSC performance measurement, while the BSC was limited to four perspectives. So that there is an important aspect that has not been included in the BSC, namely the aspect of care. Nurse care for patients, organizational care for employees and patients as well as additional spiritual healing to accelerate patient recovery. The performance measurement model proposed by the researcher is directly based on the organizational goals of RSJ, it is expected that the performance measurement model that is directly executed from the goal will directly impact the achievement of targets without neglecting the values that have been adopted by RSJ.
Implementation of media Mind Mapping and Power Points as A Media in Increasing Student Learning Motivation Lutfiana Fajriyah; Cipto Wardoyo; Sheila Febriani Putri
Asia Pacific Journal of Management and Education (APJME) Vol 3, No 3 (2020): November 2020
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v3i3.968

Abstract

This study examines whether concept map and power point influence learning motivation. This study is a quantitative research using a quasy experiment method. The population used in this study is all students in SMKS Kepanjen 2017/2018. simple random sampling is used to obtain 32 students of class X AK 4 to apply mind mapping and 32 students of class X AK 1 to apply power point. Methods of data collection using a closed questionnaire using a Likert scale of 1 to 5. Descriptive statistics, independent sample t-test are employed to analyze the data. The results of this study show that (1) application of mind mapping further increases student’s motivation from the media power point with sig level of 0,003
Use of Siskeudes (Village Financial System) Application to Improve Institutional Financial Accounting Practicum for Accounting Teachers of SMKN 1 Turen, Malang Slamet Fauzan; Cipto Wardoyo; Arum Serina Putri; Ayuneng Indah Moliani
Abdimas Galuh Vol 7, No 1 (2025): Maret 2025
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v7i1.16741

Abstract

Pengabdian ini bertujuan untuk meningkatkan kompetensi guru di SMKN 1 Turen melalui pelatihan praktikum aplikasi Sistem Keuangan Desa (SISKEUDES). Siskeudes, yang dikembangkan oleh BPKP, merupakan alat yang penting bagi pengelolaan keuangan desa. Pelatihan ini dirancang untuk memberikan pemahaman mendalam tentang penggunaan aplikasi Siskeudes mulai dari perencanaan sampai tahap pelaporan keuangan desa. Sebanyak 30 siswa mengikuti pelatihan yang dilaksanakan di laboratorium komputer SMKN 1 Turen secara langsung. Menggunakan metode pelatihan yang meliputi tiga tahap yaitu persiapan, pelaksanaan, dan evaluasi. Tahap persiapan dilakukan dengan observasi dan perencanaan yang matang, diikuti oleh sesi pelatihan yang meliputi penginstalan aplikasi, penginputan data, penganggaran, penatausahaan, dan pembuatan laporan keuangan desa. Hasil evaluasi menunjukkan peningkatan kompetensi yang signifikan pada aspek pengoperasian aplikasi Siskeudes dengan rata-rata peningkatan mencapai 77%, meskipun terdapat tantangan pada beberapa tahapan akhir seperti penyusunan laporan keuangan. Pelatihan ini terbukti efektif dalam meningkatkan pemahaman dan keterampilan guru serta siswa akuntansi di SMK dari sebelum diadakan pelatihan. Kedepannya, melalui modul yang telah dibagikan, guru perlu mengadakan pelatihan lanjutan dan praktik mandiri untuk memastikan pemahaman yang lebih mendalam dan kesiapan guru dalam mengajarkan materi ini kepada siswanya, serta dapat memberikan manfaat jangka panjang dalam mendukung pengelolaan keuangan desa yang lebih efisien dan akuntabel.
Co-Authors Achmad Maulana Adyaksa Adam Gumilang Rahmawan Adi Sucipto, Adi Aditya Eka Trisnawati Afif Nur Rahmadi Agry Pramita Agung Hariyono Agung Haryono Agus Hermawan Agus Hermawan Agus Salim Mansyur Agus Wibowo Ahmad Rifki Aisyah, Siti Haifa Nur Amar Salahuddin Amoret, Zuvika Andang Saehu, Andang Andini, Nauriyah Andrianto, Ahmad Andryani Andryani Anggini, Novia Dwi Anindya Apriyanti Anwar, Syahlafiya Arum Serina Putri Asis, Andini Putri Ramadhani Ayuneng Indah Moliani Azhar Ibrahim Bagus Shandy Narmaditya Bambang Sugeng Bayu Permata Bety Nur Achadiyah Brillian Rosy Budi Eko Soetjipto Cahya Maulana, Yudha Christine Desideria Jahi Citra Kusuma Dayat, M Dennis Kumala Sari Denny Bernardus Devi Aprilia Ratnasari Dewi Rahayu Diana Tien Irafahmi Dimas Putri Mega Pratesa Djoko Dwi Kusumojanto Dudung Ma'ruf Nuris Dwi Wulandari EF, Abd Hannan Eliza Silviana Miftakh Ely Siswanto Erlan Aditya Ardiansyah Erlan Aditya Ardiansyah Ery Tri Djatmika RWW Etika Novitasari Fahriza, Muhammad Fajriyah, Lutfiana Farida Rahmawati Fauzi , Erfan Muhammad Fauzyah, Martizha Fazlur Rahman Rahawarin Febriani Putri, Sheila Fery Dwi Candra Fulgentius Danardana Murwani Hanif Rani Iswari Hanif, Muhammad Nabhan Hari Wahyono Hariyono, Agung Heri Pratikto Ice Sariyati Ida Fatmawati Ar'Reza Ihsanul Windasari Iis Nurindah Sari Iis Nurindah Sari Iis Ristianingsih, Iis Ika Nur Khomariyah Imanuel Deny Krisna Aji Indah Dzikriah, Sukmawati Jatiperwira, Stefan Yudana Kamaluddin, Mohamad Ihsan Kaulika, Adinya Kalya Khilmatul Mauludah Kurniawan Kusumojanto, Djoko Dwi Laksono Trisnantoro Liestya Padmawidjaja Lisa Rokhmani Listiani, Toneng Ludi Wishnu Wardana Lutfiana Fajriyah Lu’luul Mukaromah M Dayat M Dayat M. Dayat Madziatul Churiyah MAHI MAMAT HKIKMAT Mahmud Mahmud Malina, Yasa Nur Martha, Jefry Aulia Maulana, Muhamad Trian Moliani, Ayuneng Indah Mukti, Muhammad Abdee Praja Mustofa, Muhammad Ifan Ali Mutiara Anggela, Ucha Nailariza Umami Naili Ifrozul Mawaddah Nanda, Hanjar Ikrima Noor Faresi Putra Novia Dwi Anggini Novita Erliana Sari, Novita Erliana Novitasari, Etika Nugraha, Muhammad Fajar Cahya Nujmatul Laily Nur Astaman Putra Nurhasanah Nurholis Nurika Restuningdiah Permanaludin, Udayani Pribawani, Meita Rahima Primasa Minerva Nagari Puji Handayati Purwantiningsih, Estu Setyo Putri, Arum Serina Putri, Reni Sovia Putria, Marissa Ramadani, Tri Ramadha Abuzar Pratama Ramadhani, Jihan Medina Ratna Dwi Nastiti Restya Dwi Amalia Rheza Hafid Prastia Risnawati Risnawati Rizky Firmansyah Rohim, Ahmad Miftahur Rosmiza Bidin RR. Ella Evrita Hestiandari Ruminda Ruminda Saptaria, Lina Sari, Dennis Kumala Satia Nur Maharani Satrio, Yogi Dwi Septiandari, Fika Sheila Febriani Putri Slamet Fauzan Sri Andayani , Endang Sri Pujiningsih Sri Umi Mintarti Subhan, Ega Saiful Sudarmiatin Sugeng Hadi Utomo Sulis Rochayatun Sunaryanto Syafiq, Alif Muhammad Titin Kartini Umami, Nailariza Umi Nuraini, Umi Ummi Saadah Vega Wafaretta Vindi Kusuma Wardani Wahyu Kawitaning Kinasih Wardana3, Ludi Wishnu Wardani, Vindi Kusuma Windasari, Ihsanul Wisman Wisman, Wisman Yatmikasari, Ika Yoga Mestika Putra Yongky Teguh Setiaji Yongky Teguh Setiaji Yudiarto Perdana Putra Yuliani, Syafhara Dewi Yusuf Yusuf Zelina, Felicia Farrah Zulfida, Bilqis Rizqia