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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Resona : Jurnal Ilmiah Pengabdian Masyarakat Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen STIE Muhammadiyah Palopo JURNAL MANAJEMEN MOTIVASI Journal of Economic, Bussines and Accounting (COSTING) Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business Owner : Riset dan Jurnal Akuntansi Jurnal Manajemen Strategi dan Aplikasi Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JURNAL EKSBIS Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Enrichment : Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Jurnal Fokus Manajemen Bisnis Community Empowerment Jurnal Ekonomi Bima Journal : Business, Management and Accounting Journal Journal of Government Science (GovSci ) : Jurnal Ilmu Pemerintahan International Journal of Management Science and Information Technology (IJMSIT) Golden Ratio of Finance Management Studi Akuntansi, Keuangan, dan Manajemen Jurnal Inovasi Bisnis Indonesia (JIBI) Jurnal Pengabdian kepada MASyarakat (J-PMAS) Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Simki Economic
Goso Goso
Universitas Muhammadiyah Palopo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The Effect of Household Financial Decision-Making on Financial Well-Being with Lifestyle as an Intervening Variable Rahman, Abdul; Goso, Goso; Rahmawati, Rahmawati
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8004

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengambilan keputusan keuangan rumah tangga terhadap kesejahteraan finansial, dengan gaya hidup sebagai variabel moderasi. Penelitian ini menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 100 responden rumah tangga di Kabupaten Luwu Utara yang dipilih menggunakan teknik stratified random sampling. Analisis data dilakukan menggunakan metode Partial Least Square Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa pengambilan keputusan keuangan rumah tangga berpengaruh signifikan terhadap kesejahteraan finansial. Selain itu, pengambilan keputusan keuangan juga berpengaruh terhadap gaya hidup, dan gaya hidup sendiri berpengaruh signifikan terhadap kesejahteraan finansial. Temuan penting lainnya adalah bahwa gaya hidup memoderasi hubungan antara pengambilan keputusan keuangan dan kesejahteraan finansial, yang berarti efektivitas keputusan keuangan terhadap peningkatan kesejahteraan dapat diperkuat atau diperlemah tergantung pada gaya hidup yang dijalani. Penelitian ini merekomendasikan pentingnya literasi keuangan dan kontrol gaya hidup yang sehat dalam upaya mencapai kesejahteraan finansial rumah tangga yang berkelanjutan.
Analysis of the Effectiveness of Government Financial Education Programs in Improving Household Financial Decision Supardi, Musdalifah Putriami; Goso, Goso; Mustafa, Sri Wahyuny
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8071

Abstract

This study analyzes the effectiveness of government financial education programs in improving household financial decisions in North Luwu Regency. Using a quantitative approach with purposive sampling of 100 household heads, data were collected through Likert-scale questionnaires and analyzed using SmartPLS. The results show that financial management, household financial management, and financial literacy have significant positive effects on decisions. Financial literacy also mediates these influences, strengthening the relationship between management practices and decision-making. These findings highlight the need for sustainable mentoring strategies to enhance the program’s impact, encourage responsible financial behavior, and improve the long-term economic well-being of households in the region.
Enhancing The Competitiveness And Sustainability Of Micro, Small, And Medium Enterprises Through Financial Literacy And Inclusion Haniati, Martiana; Goso, Goso; Rahmawati, Rahmawati
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8082

Abstract

This study aims to analyze the influence of financial literacy and financial inclusion on the competitiveness and sustainability of MSMEs in Luwu Regency. A quantitative method was applied through a survey of 400 MSME actors and analyzed using multiple linear regression. The findings reveal that financial literacy significantly affects competitiveness but not sustainability. In contrast, financial inclusion significantly influences sustainability but has no significant impact on competitiveness. These results demonstrate the distinct roles of financial literacy and inclusion, suggesting the need for tailored policy interventions to effectively enhance both MSME competitiveness and long-term sustainability based on specific regional and sectoral characteristics.
Harmoni Keuangan Dalam Rumah Tangga: Meningkatkan Literasi, Pengelolaan, dan Sikap Keuangan Sari, Nova Vurba; Goso, Goso; Duriani, Duriani
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8141

Abstract

This study aims to analyze the influence of financial literacy, financial management, and financial attitudes on household financial harmony. Using a quantitative approach with 100 housewives in North Luwu Regency, the data were analyzed using validity, reliability tests, and Structural Equation Modeling (SmartPLS). The findings reveal that financial literacy, management, and attitudes have both direct and indirect effects on financial harmony. This study implies that financial education plays an essential role in shaping positive financial behavior and attitudes, thereby improving household welfare and financial harmony.
The Influence of Financial Literacy, Overconfidence, and Locus of Control on Investment Decisions among Micro, Small, and Medium Enterprises (MSMEs) Aksan, Fadriani; Goso, Goso; Mustafa, Sri Wahyuni
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8157

Abstract

This study aims to analyze the effect of financial literacy, overconfidence, and locus of control on investment decisions of MSME actors in Palopo City. The research applied a quantitative approach with 120 respondents selected using saturated sampling techniques. Data were collected through questionnaires and analyzed using multiple linear regression, Confirmatory Factor Analysis (CFA), and path analysis with the assistance of SPSS and SmartPLS software. The findings indicate that financial literacy and overconfidence do not have a significant direct influence on investment decisions, while locus of control has a significant effect. Nevertheless, both financial literacy and overconfidence significantly influence investment decisions indirectly through locus of control.
The Influence of Financial Technology and Financial Literacy on Financial Behavior in the Digital Era Nugraha Rasyid; Goso Goso; Muhammad Ikbal
International Journal of Management Science and Information Technology Vol. 5 No. 1 (2025): January - June 2025
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v5i1.3578

Abstract

This study was conducted to determine the effect of financial technology and financial literacy on the financial behavior of the Sukamaju village community. Data were collected by distributing questionnaires through Google Form media using a Likert scale. was the population in this study millennial generation aged 19-39 years. The variables used in this study were financial technology and financial literacy as independent variables and financial behavior as the dependent variable. This study approach by uses a quantitative collecting primary data. The sampling technique used in this study used the Slovin formula with a 10% margin of error so. that the number of samples determined was 100 respondents The data analysis technique used was to test the quality of primary data with validity and reliability tests, followed by multiple linear regression analysis with determination coefficient tests, partial and simultaneous significant tests using SPSS 25. Based on financial behavior the financial literacy results, partially affects financial behavior, simultaneously financial technology and financial literacy affect the financial of the analysis and discussion using multiple linear regression, it was concluded that partially financial technology affects behavior of the millennial generation of Sukamaju village.
Spiritual Integration in Financial Frameworks: Its Relationship to Long-Term Financial Planning and Subjective Well-Being Among Generation Z in South Sulawesi Sri Wahyuni; Husmaruddin Husmaruddin; Goso Goso
Jurnal Maksipreneur Vol 15 No 2 (2026)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v15i2.2632

Abstract

Generation Z in South Sulawesi faces challenges in managing their finances carefully amid a consumerist lifestyle and modernization pressures. This study examines the influence of spiritual integration on long-term financial planning and subjective well-being. A quantitative approach is used, employing the survey method. The carefully prepared questionnaire was administered to 100 respondents from Generation Z, aged 15 to 29, all from South Sulawesi. These respondents were selected using the purposive sampling method. The collected data were then analyzed using the Partial Least Squares Structural Equation Modeling technique, or PLS-SEM for short. The results of the analysis show that spirituality plays a major role in fostering a more responsible financial attitude, improving long-term financial planning, and strengthening people's subjective well-being. In addition, long-term financial planning partially mediates the relationship between spiritual integration and subjective well-being. These findings confirm that a financial approach that incorporates spiritual values can be an effective strategy to improve the quality of life among young people. They highlight the importance of integrating the spiritual dimension into financial education programs.
Determinants of Governance and Financial Reporting Performance: Budget Participation, Supervision, and Leadership Style Husmaruddin Husmaruddin; Salju Salju; Goso Goso; Junaidi Junaidi
Studi Akuntansi, Keuangan, dan Manajemen Vol 6 No 1 (2026): July
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v6i1.6478

Abstract

Purpose: This study aims to examine the effects of budget participation, budget supervision, and leadership style on governance and local government financial reporting performance in South Sulawesi, Indonesia. Methodology: This quantitative study was conducted in 24 regencies and cities in South Sulawesi, Indonesia. Data were collected through a questionnaire survey involving 382 respondents consisting of budget authorities from Regional Government Work Units (SKPD) and members of Regional People's Representative Council (DPRD). The data were analyzed using Structural Equation Modeling (SEM) with AMOS 22 and SPSS 22 to test the research hypotheses. Results: The findings indicate that budget supervision significantly improves governance, and leadership style significantly enhances financial reporting performance. Governance also has a positive effect on financial reporting performance and mediates the predictor effect of budget participation, budget supervision, and leadership style on local government financial reporting performance. However, budget participation does not have a significant direct influence on governance or financial reporting performance. Conclusions: Effective supervision and adaptive leadership are important determinants of strengthening governance and improving the quality of financial reporting in local governments. Limitations: This study is limited to local governments in South Sulawesi and relies on self-reported questionnaire data, which may limit its generalizability. Contributions: This study contributes to the public sector accounting and governance literature by providing empirical evidence on the role of participatory budgeting, supervision, and leadership in improving governance quality and financial reporting performance, offering practical insights for policymakers and public sector institutions.
Menjembatani Kesenjangan: Bagaimana Pembiayaan Mikro yang Sesuai ESG Dapat Mendorong Pertumbuhan Berkelanjutan untuk UMKM di Ekonomi Indonesia Putri Handayani; Goso Goso; Rahmawati Rahmawati
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.16673

Abstract

Tujuan penelitian ini adalah untuk menganalisis dan membuktikan secara empiris bagaimana pembiayaan mikro yang sesuai ESG, pengetahuan tentang praktik berkelanjutan, serta kebijakan pendukung ESG secara bersama-sama mempengaruhi pertumbuhan berkelanjutan UMKM di Indonesia, dengan praktik bisnis berkelanjutan berperan sebagai mediator. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan sampel 400 UMKM di enam provinsi Indonesia yang dipilih melalui multistage random sampling. Data dianalisis dengan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian membuktikan bahwa ketiga faktor pendorong (pembiayaan mikro sesuai ESG, pengetahuan, dan kebijakan) berpengaruh positif dan signifikan terhadap praktik bisnis berkelanjutan. Selanjutnya, praktik bisnis berkelanjutan terbukti menjadi mediator penuh yang mentransformasikan ketiga dukungan eksternal tersebut menjadi pertumbuhan berkelanjutan UMKM. Implikasi penelitian menekankan pentingnya strategi terpadu yang memperkuat akses pembiayaan hijau, kapasitas pelaku usaha, dan lingkungan kebijakan yang mendukung untuk mewujudkan transisi UMKM yang inklusif dan berkelanjutan.
Bagaimana Literasi Keuangan Hijau Memengaruhi Perilaku Investasi Berkelanjutan? : Bukti dari Investor Milenial Indonesia Wulandari Wulandari; Goso Goso; Rahmawati Rahmawati
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.16705

Abstract

Kesenjangan terjadi antara tingginya kepedulian lingkungan dan rendahnya partisipasi investasi berkelanjutan di kalangan investor milenial Indonesia, diduga karena lemahnya literasi keuangan hijau. Penelitian ini bertujuan menguji pengaruh literasi keuangan hijau terhadap perilaku investasi berkelanjutan serta peran mediasi faktor psikologis dan sosial. Metode yang digunakan adalah kuantitatif dengan sampel 400 responden milenial Indonesia berusia 29–44 tahun yang dipilih secara purposive. Data dikumpulkan melalui kuesioner online dan dianalisis menggunakan SmartPLS. Hasil penelitian menunjukkan literasi keuangan hijau berpengaruh positif signifikan terhadap perilaku investasi berkelanjutan. Faktor psikologis (motivasi intrinsik, persepsi risiko, nilai lingkungan) dan faktor sosial (norma subjektif, pengaruh komunitas) terbukti memediasi hubungan tersebut secara signifikan. Karakteristik demografis seperti pendidikan, pendapatan, pengalaman investasi, dan akses digital juga memoderasi hubungan tersebut. Temuan ini menegaskan bahwa peningkatan literasi keuangan hijau saja tidak cukup; diperlukan pendekatan terpadu yang menyentuh aspek psikologis dan sosial. Implikasinya, program edukasi dan kebijakan publik perlu dirancang secara lebih kontekstual untuk mendorong investasi berkelanjutan di kalangan milenial Indonesia.
Co-Authors Abdul Rahman Adil Adil Adinda Tasya Salsabilla Anwar Aisyah Nur aisyah Aksan, Fadriani Amriani Amriani Andi Ayu Nurnawati Annisa Annisa Antong Antong Antong, Antong Anwar, Suhardi M. Asmawati Asmawati Asriany Asriany Aswidy Wijaya Cipta Bidasari Chichi Pratiwi Duriani Duriani Duriani Duriani Duriani, Duriani Dwi Cinta Lestari, Cinta Lestari Edi Saputra Eka Eka Elva Amrin Erna Erwin Noki Fitriani Khairunnisa Fitriani S H. Halim Palatte Haniati, Martiana Hartina Fattah Hijrah Febriana Utami Hikma Ramadani Husmaruddin Husmaruddin Husmaruddin Husmaruddin Husmaruddin Husmaruddin, Husmaruddin Ibrahim Halim Ibrahim Halim Ibrahim Halim, Ibrahim Imam Pribadi Imran Ukkas Indra Kusdarianto, Indra Indriani Indriani J. Junaidi Jumawan Jasman Junaidi Junaidi Juwandariah Jubir Khaeriyah Adri Kurnia Kurnia M. Halim Palatte M. Risal Milda Yanti Muh Halim Muh. Farhan Muh. Halim Muh. Halim Muh. Halim Muh. Halim Palatte Muh. Halim Palatte, Muh. Halim Muhammad Ikbal Muhammad Ikbal Muhammad Yunus Amar Muhammad Yusuf Musran Munizu Mustafa Muhani Mustafa, Sri Wahyuny Mustanir, Ahmad Muthia Salsabillah Rusmulya Mutmainnah Nersa Nugraha Rasyid Nur Fadila Nursyamsih Husma Sam Nurul Azikin Pajarianto, Hadi Peri Herdiansyah Putri Handayani Putri lalimuga, Yosephine Injilitha Rahma Eka Putri Rahmad Solling Hamid Rahmawati Rahmawati Rahmawati Rahmawati Rahmawati, Rahmawati Rasyid, Nugraha Resky Khaerunnisa Rismawati Rismawati Rismawati Rismawati Sudirman Riswandi Paradi Salju Salju Salju Salju Samsul Bachri Sari Ratna Dewi Sari, Nova Vurba Siska Handayani Sri Wahyuni Supardi, Musdalifah Putriami Syamsu Alam SYAMSU ALAM Tiara Dwitiya Said Widiyanti, Wika Wisnu Kurniadi Wulandari Wulandari Yulia Wiranti Yuliana Dahman Yusuf Kamaruddin Zikra Supri