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All Journal JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING Jurnal Nasional Komputasi dan Teknologi Informasi Journal of Computer Science and Engineering (JCSE) Jurnal Sistem Informasi Jurnal Komputer Antartika Media Teknologi dan Informatika JMAEKA: Jurnal Manajemen Ekonomi Akuntansi
Rudianto Rudianto
Universitas Bina Sarana Informatika
Aerospace Engineering Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Neuroscience Transportation

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Analisis Pengaruh Literasi Keuangan, Pencatatan Keuangan, dan Pemanfaatan Teknologi Digital terhadap Perilaku Keuangan Individu: Analysis of the Influence of Financial Literacy, Financial Record-Keeping, and Utilization of Digital Technology on Individual Financial Behavior Nabila Oktaviansyah; Amanda Salsabila; Saqilla Nur Alaida; Zahra Marsya Qilla; Kayla Aura Fatma; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 3 (2026): Juni 2026 - Agustus 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i3.482

Abstract

The development of digital technology and the rise of financial services have changed the way people, especially the younger generation manage their finances. However, this convenience is not commensurate with financial literacy and financial recording. The purpose of this study is to examine the extent to which financial literacy, financial record-keeping, and the use of digital technology affect individual financial behavior, especially in students who have incomes. In this study, the author used a quantitative approach by distributing questionnaires to respondents. Data were analyzed using a multiple linear regression approach through IBM SPSS Statistics 26 software, which included hypothesis testing (t-test and F-test), classical assumption testing, and data quality testing. That the significance value of financial literacy based on the t-test was obtained by tcal > ttable (2.063 > 1.985), thus Ho1 was rejected. The significance value of financial recording based on the t-test was obtained by tcal > ttable (2.108 > 1.985), thus Ha2 was accepted. The significance value of the use of digital technology based on the t-test was obtained by tcal > ttable (2.605 > 1.985), thus Ho3 was rejected. In addition, the results of the simultaneous analysis show that the combination of cognitive, behavioral, and technological aspects can strengthen an individual's ability to make financial decisions.
Pengaruh Penggunaan E-Wallet, Literasi Keuangan, dan Kemudahan Teknologi Terhadap Perilaku Konsumtif Masyarakat: The Influence of E-Wallet Use, Financial Literacy, and Technological Convenience on Consumer Behavior Salsabila Maulida Azzahra; Arini Nur Putri Alam; Hayfa Nafisa Husne Ara; Nabila Aprilia; Raisya Fitri Ramadhani; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 4 (2026): September 2026 - November 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i4.483

Abstract

The development of digital technology has driven significant changes in public transaction patterns, one of which is through the use of electronic wallets (e-wallets). The convenience, speed, and various promotions offered by e-wallets have the potential to influence consumers’ consumptive behavior. In addition, the level of financial literacy plays an important role in determining how individuals manage their spending and make financial decisions. This study aims to analyze the effect of e-wallet usage, financial literacy, and technological convenience on consumers’ consumptive behavior. The research method used is a quantitative approach, with data collected through questionnaires distributed to respondents who use e-wallets. The data were analyzed using statistical analysis techniques to examine the influence of each independent variable on consumptive behavior. The results show that e-wallet usage and technological convenience have a positive effect on consumers’ consumptive behavior, while financial literacy has a negative effect, indicating that the higher a person’s financial literacy, the lower the tendency toward consumptive behavior. These findings are expected to serve as a consideration for the public and policymakers in improving financial literacy and encouraging more responsible use of financial technology.
Pengaruh Aplikasi Catatan Keuangan, Motivasi Menabung, Dan Pengetahuan Dasar Akuntansi Terhadap Disiplin Keuangan Gen Z Depok: The Influence of Financial Record Applications, Saving Motivation, and Basic Accounting Knowledge on Financial Discipline of Gen Z Depok Magali Ilana Meta; Inaya Aidella; Restu Novi Safitri; Athiyyah Mutiara Akbar; Safina Indi Yanti; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 3 (2026): Juni 2026 - Agustus 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i3.484

Abstract

Abstracts – Gen Z members between the ages of 18 and 25 who have used personal financial applications were given an online survey to complete in order to gather quantitative data. This study looked at how basic accounting knowledge, financial tracking applications, and encouragement to save affected Gen Z's financial discipline in Depok. Multiple linear regression analysis was applied to determine the partial and simultaneous effects of the independent variables on financial discipline. The findings indicate that the use of financial tracking applications assists users in understanding their spending patterns and managing budgets in a more systematic manner. Saving motivation was also found to have a positive and significant effect, suggesting that both intrinsic and extrinsic motivations play an important role in shaping consistent financial behavior. Moreover, basic accounting knowledge supports more rational financial decision-making through proper recording, evaluation, and monitoring of financial activities. Overall, the results demonstrate that financial tracking applications, saving motivation, and basic accounting knowledge simultaneously have a significant impact on improving the financial discipline of Generation Z in Depok City. These findings highlight the importance of digital literacy, financial education, and behavioral motivation in encouraging responsible financial management among young people.
Pengaruh Efisiensi, Ketepatan, dan Keefektifan Kerja terhadap Penggunaan Microsoft Excel di Depok dan Bogor Rayy: The Effect of Efficiency, Accuracy, and Work Effectiveness on the Use of Microsoft Excel in Depok and Bogor Rayyan Audria; Lovny Safira Ernisa; Lutfia Zahra; Sarah Putri Rachmani; Greace Jessica Valent Sihombing; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 3 (2026): Juni 2026 - Agustus 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i3.485

Abstract

Abstracts - Microsoft Excel is a number and data processing software automatically to create information data for decision making in research. This investigation aims to analyze the influence of efficiency, accuracy, and effectiveness in the world of work on the use of Microsoft Excel applications. The approach used is quantitative statistics with observation and survey methods through the distribution of questionnaires to the entire population of 180 respondents, using area sampling techniques (cluster sampling). Data were analyzed with the help of IBM SPSS version 26. The findings of the research show that efficiency has a positive and significant impact on the use of Microsoft Excel, with the results of the calculated t value of 2.565> t table 1.97353 and a significance value of 0.011 <0.05. Accuracy has a positive and significant impact on the use of Microsoft Excel, with the results of the calculated t value of 3.326> t table 1.97353 and a significance value of 0.001 <0.05. Effectiveness has a positive and significant effect on the use of Microsoft Excel, with a calculated t value of 3.758 > t table 1.97353 and a significance value of 0.000 < 0.05. Keywords: Efficiency, Accuracy, Effectiveness, Microsoft Excel
Pengaruh Pola Asuh Otoriter, Demokratis, dan Permisif Terhadap Kualitas Interaksi Karyawan: The Influence of Authoritarian, Democratic, and Permissive Parenting on the Quality of Employee Interaction Elma Magdalena Tamba; Daniela Putri Ramadhanty; Nashwa Khoirunnisa; Septi Gusti Fitriani; Widya Nurliana; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 3 (2026): Juni 2026 - Agustus 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i3.486

Abstract

Abstracts - Social skills of employees, such as their ability to work together, communicate, and form relationships with others, especially in the workplace, are greatly influenced by the parenting style applied by their parents. A quantitative approach with several research variables was used as the methodology by distributing questionnaires to research subjects aged 19-24 years, resulting in a sample size of 154. Data analysis in this study was carried out through several steps, such as validity and reliability tests, normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression analysis, hypothesis testing using t-tests and F-tests, and determination coefficient assessments. The findings of this study indicate that parenting practices do have a significant influence on how children interact with their social environment, especially in their work environment.Keywords: parenting patterns, behavior, work environment
Pengaruh Leverage, Profitabilitas, Likuiditas, dan Nilai Perusahaan Terhadap Valuasi Perusahaan: The Effect of Leverage, Profitability, Liquidity, and Company Value on Company Valuation Johanna Revania Yuristiawan; Nurhikmah Nurhikmah; Ani Hoerunisa; Kaisyah Naila Putri; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 4 (2026): September 2026 - November 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i4.491

Abstract

The purpose of this study is to examine how leverage, profitability, and liquidity affect a company's valuation using a quantitative research method through an associative approach. Company valuation is important for assessing performance, prospects, and investor confidence in a company. Meanwhile, leverage is analyzed to determine the extent to which the funding structure affects the company's value, and profitability is used to assess the company's ability to generate sustainable profits. Liquidity is also considered an indicator of the company's ability to meet its short-term obligations. The research results indicate that profitability has the greatest impact on company valuation. Meanwhile, leverage and liquidity have varying effects depending on the financial condition of each business. These results provide benefits for management and investors in developing strategies that can increase company value through capital structure management, operational efficiency, and financial stability.
Pengaruh Literasi Keuangan, Pengelolaan Uang Saku dan Motivasi Belajar terhadap Produktivitas Keuangan Siswa: The Influence of Financial Literacy, Pocket Money Management and Learning Motivation on Student Financial Productivity Melani Teta Anggraeni; Melany Ade Putri; Nabila Dwi Aulia; Shafira Renata Anandita; Sheva Nadinant Putri; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 3 (2026): Juni 2026 - Agustus 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i3.493

Abstract

The role of financial productivity in students is crucial for developing good financial habits during their academic years. This research focuses on analyzing the role of financial literacy, pocket money management, and learning motivation impact students' financial productivity. Despite this, empirical evidence shows that students often struggle with managing their finances effectively, mainly due to inadequate financial literacy, poor pocket money management, and inconsistent learning motivation. Quantitive methods are employed in this study to involving 160 respondents as questionnaire participants, with data processed via IBM SPSS version 27. Quality assessment of the data confirms that each survey item meets the standarts of validity and reliability, as the correlation values for each indicator surpass the critical value of 0.155 and the internal consistency of each variable surpasses 0.600. T-test findings indicate that financial literacy exerts a notable affects students' financial productivity significant at the 0.05 level, with p = 0.024. Additionally, pocket money management and learning motivation significantly influence financial productivity, each having a yielding p = 0.001. While, the F-test demonstrates that financial literacy, pocket money management, and learning motivation collectively impact students’ financial productivity, with a significance level of 0.001. These results underscore the importance of robust financial skills, efficient pocket money management, and strong learning motivation as key factors in boosting students' financial productivity
Faktor Penentu Daya Beli Masyarakat Berdasarkan Tingkat Inflasi, Tingkat Pendapatan Masyarakat, dan Harga Kebutuhan Pokok: Determinants of People's Purchasing Power Based on Inflation Rates, Income Levels, and Prices of Basic Necessities Suci Ramadhani Isran; Inez Melati Sukma; Rossalina Utami Putri; Fakhira Amalia; Siti Ayu Agustin; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 4 (2026): September 2026 - November 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i4.494

Abstract

Inflation is a macroeconomic indicator that has a direct impact on price stability and people's purchasing power. An increase in the prices of goods and services that is not matched by income growth has the potential to reduce household consumption. This study aims to analyze the effect of inflation rates, community income levels, and the prices of basic necessities on people's purchasing power, both partially and simultaneously. The research method used is a quantitative approach with a survey technique through the distribution of questionnaires to 100 respondents selected using simple random sampling. The data were analyzed using multiple linear regression with the help of IBM SPSS version 26. The types of tests carried out include validity, reliability, classical assumption, t-test, F-test, and coefficient of determination tests. The results show that partially, the inflation rate, community income level, and basic commodity prices have a positive and significant effect on people's purchasing power. Simultaneously, these three variables also have a significant effect with a contribution value of 52.4%. The basic commodity price variable has the most dominant effect on people's purchasing power.
Analisis Hubungan Antara Tingkat Pengangguran dan Fenomena Mismatch Pekerjaan Dengan Jurusan di Indonesia: Analysis of the Relationship Between Unemployment Rates and Job Mismatch Phenomena with Majors in Indonesia Arya Rio Pratama Putra; Muhamad Aldi Triwijaya; Raehan Langitan; Safwan Zacky Fianto; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 4 (2026): September 2026 - November 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i4.496

Abstract

Abstract - The purpose of this observation is to examine the relationship between unemployment rates in Indonesia and the mismatch between job types and academic disciplines. Mismatch is understood as the mismatch between educational qualifications obtained and job requirements. This phenomenon is increasingly relevant given the dynamics of the job market that demand adaptive competencies, resulting in many graduates finding it difficult to be absorbed ideally. This observation applies a measurement system and online survey through Google Forms, involving participants from various educational and employment contexts. The information collected is analyzed to identify patterns of mismatch and their contribution to the likelihood of individuals experiencing unemployment. The purpose of this study is to analyze the influence of these three factors, both partially and simultaneously, on the unemployment rate. The method used is quantitative with a questionnaire instrument, analyzed through validity and reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and determination coefficients. The results of the study show that job mismatch has a positive and significant effect on the unemployment rate (Sig. 0.000). Thus, the higher the mismatch between educational majors and jobs, the greater the likelihood of college graduates experiencing unemployment.
Analisis Kuantitatif Pengaruh Literasi Akuntansi terhadap Perencanaan Dan Pengendalian Keuangan Pribadi Generasi Z: Quantitative Analysis of the Effect of Accounting Literacy on Financial Planning and Control among Generation Z Nadia septiani; Muhammad Aqila Putra Nugroho; Zahra Rizkya Wanggana; Grace Putri Zega; Nadya Ranjani Nasaf; Rudianto Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 4 (2026): September 2026 - November 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i4.499

Abstract

Generation Z is a young age group that has begun to manage personal finances independently; however, many individuals still experience difficulties in managing their finances effectively. This condition is generally caused by limited understanding of basic accounting concepts and a lack of awareness in daily financial management. This study aims to examine the influence of basic accounting understanding, financial literacy ability, and personal accounting literacy awareness on financial management behavior among Generation Z.The research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 115 respondents classified as Generation Z and were analyzed using multiple linear regression with the assistance of SPSS version 23. The results indicate that both partially and simultaneously, accounting literacy variables have a significant effect on personal financial management behavior. Among these variables, personal accounting literacy awareness was found to be the most dominant factor influencing respondents’ financial behavior. These findings suggest that improving understanding and awareness of accounting literacy can help Generation Z manage their finances in a more planned and responsible manner.
Co-Authors Achmad NurFaizy Agus Junaidi Alfiyyah Fauziyyah Amanda Fitriyanti Amanda Salsabila Angga Eko Pratama Anggi Hikmah Putri Ani Hoerunisa Arini Nur Putri Alam Arya Rio Pratama Putra Astrid Annisa Fauziah Athiyyah Mutiara Akbar Daniela Putri Ramadhanty Elma Magdalena Tamba Fakhira Amalia Fany Fany Farid Nasywan Zuhdi Grace Putri Zega Greace Jessica Valent Sihombing Haryanto Haryanto Hayfa Nafisa Husne Ara Hilda Marsida Inaya Aidella Inez Melati Sukma Johanna Revania Yuristiawan Kaisyah Naila Putri Kayla Aura Fatma Komal Komal Lovny Safira Ernisa Lutfia Zahra Magali Ilana Meta Melani Teta Anggraeni Melany Ade Putri Muhamad Aldi Triwijaya Muhammad Adhi Nugroho Muhammad Aqila Putra Nugroho Muhammad Chandra Hisyam Muhammad Habib Mulia Muhammad Rafi Sakhi Rahman Nabila Aprilia Nabila Dwi Aulia Nabila Oktaviansyah Nadia septiani Nadya Ranjani Nasaf Nashwa Khoirunnisa Nisrina Khalilah Nur Rahma Assyi Ami Nurhikmah Nurhikmah Nurul Hidayah Radhelia Najla Syukuraeni Raehan Langitan Rahmah Aliyyah Raisya Fitri Ramadhani Rani Oktanti Rayhan Kurniawan Rayyan Audria Restu Novi Safitri Ricky Utomo Rossalina Utami Putri Safina Indi Yanti Safwan Zacky Fianto Salsabila Maulida Azzahra Salwa Ratu Desyfa Saqilla Nur Alaida Sarah Putri Rachmani Septi Gusti Fitriani Shafira Renata Anandita Sheva Nadinant Putri Siti Alya Siti Ayu Agustin Suci Ramadhani Isran Widya Nurliana yunita yunita Zahra Marsya Qilla Zahra Rizkya Wanggana