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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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Sinergitas Peran Pemerintah Desa dan Partisipasi Masyarakat Terhadap Perencanaan Pembangunan di Kabupaten Sidenreng Rappang: The Synergy of Village Government’s Role and Community Participation in the Process of Development Planning in Sidenreng Rappang District Ahmad Mustanir; Fitriani S; Khaeriyah Adri; Andi Ayu Nurnawati; Goso Goso
JOURNAL OF GOVERNMENT SCIENCE Vol 1 No 2 (2020)
Publisher : Program Studi Ilmu Pemerintahan Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54144/govsci.v1i2.8

Abstract

This research examines the role of village government, community participation, and their influences on development planning in Timoreng Panua village, Panca Rijang subdistrict, Sidenreng Rappang District. This research employed descriptive quantitative method, and involved samples of 55 households out of population of 745 households. The samples were taken randomly by using Yount formula 10%. Data was collected through observation, questionnaires and documentation, and analysed through tabulation, frequency and linear regression analysis by using SPSS 21.0 for Windows. The results show that the percentage of the role of village government contributing to the Timoreng Panua village development planning reached 52,4% (considered as ‘sufficient involvement’), while the percentage of community participation to the development planning is 77% (considered as ‘enthusiastic’). Together, the joint roles of village government and community partipation contributed to village development planning with a figure of 78,4%, categorized as ‘playing a significant role’.  Keywords: community participation, government role, development planning
Income and Household Consumption Uncertainty After the COVID-19 Pandemic Crisis: The Moderating Role of Financial Attention and Liquid Wealth Evidence from Indonesia Resky Khaerunnisa; Goso Goso; Jumawan Jasman
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1546

Abstract

This study analyzes the impact of income uncertainty on household consumption in Indonesia after the COVID-19 pandemic, emphasizing the moderating roles of financial attention and liquid wealth. Using a quantitative design, we examine secondary data from official Indonesian sources for 2022 to 2024 through multiple regression and Moderated Regression Analysis. The results indicate that income uncertainty significantly reduces household consumption (β = -1.872, p < 0.01). Financial attention (β = 0.456, p < 0.05) and liquid wealth (β = 0.512, p < 0.05) significantly moderate this relationship by weakening the negative effect of uncertainty. Households with higher financial attention and greater liquid assets show stronger consumption resilience. These findings underline the need to strengthen financial literacy and expand access to liquid financial instruments. The study extends Precautionary Saving Theory by integrating behavioral and structural moderators in an emerging market crisis context.
Adopsi Pembayaran Mobile dan Peningkatan Konsumsi Rumah Tangga: Peran Mediasi Inklusi Keuangan Digital di Indonesia Muthia Salsabillah Rusmulya; Goso Goso; Duriani Duriani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1549

Abstract

This study aims to analyze the mediating role of digital financial inclusion in the relationship between mobile payment adoption and increased household consumption in Indonesia. The method used is a quantitative approach with an explanatory research design, involving 400 respondents spread across various regions of Indonesia and selected through stratified random sampling. Data were collected through online and offline questionnaires, then analyzed using Structural Equation Modeling (SEM) with bootstrapping techniques. The results show that mobile payment adoption has a positive and significant effect on digital financial inclusion (β = 0.582; t = 12.516; p < 0.001), digital financial inclusion has a positive and significant effect on household consumption (β = 0.561; t = 9.461; p < 0.001), and mobile payment adoption has a direct effect on household consumption (β = 0.249; t = 4.816; p < 0.001). Furthermore, digital financial inclusion was shown to partially mediate the relationship between mobile payment adoption and household consumption, with an indirect effect coefficient of 0.326 (VAF = 56.7%). This finding implies that a strategy to expand digital financial inclusion based on mobile payments is an effective policy instrument for driving increased domestic consumption and national economic growth.
Literasi Keuangan Islam, Kesiapan Teknologi, dan Komitmen Religius: Penentu Adopsi Fintech pada Kalangan Dewasa Muda di Indonesia Tiara Dwitiya Said; Goso Goso; Yusuf Kamaruddin
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1551

Abstract

Indonesia is a country with the largest Muslim population and high internet penetration, but the number of young adults using Islamic fintech remains low at 23%. To predict the adoption of Islamic fintech by young Indonesian adults, this study developed and tested the Islamic Technology Acceptance Model (I-TAM). Data were collected from 400 Muslim respondents aged 18 to 35 years old through a structured questionnaire. A cross-sectional survey design was used using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results showed that technological readiness was the strongest predictor of Islamic fintech adoption (β=0.522, p<0.001), followed by Islamic financial literacy (β=0.330, p<0.001), and religious commitment (β=0.103, p<0.001). A key finding is that the dual moderating role of religious commitment weakens the effect of Islamic financial literacy (β=-0.147, p=0.008) but strengthens the effect of technological readiness (β=0.190, p<0.001). More than the conventional TAM model, the I-TAM model explains 58.4% of Islamic fintech adoption. This study suggests that for young Indonesian Muslims, religiosity and technological modernity can coexist well, with technology serving as a means of practicing religious values ​​in the technological era.
Dampak Perbankan Syariah Digital terhadap Partisipasi Cash Waqf di Kalangan Mahasiswa Muslim: Peran Mediasi Literasi Digital di Indonesia Annisa Annisa; Goso Goso; Duriani Duriani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1570

Abstract

Potensi wakaf tunai Indonesia diperkirakan mencapai 180 triliun rupiah per tahun, namun tingkat realisasi pengumpulannya masih di bawah 1,3 persen. Penelitian ini mengkaji sejauh mana perbankan syariah digital mampu menjembatani kesenjangan tersebut dengan memperkuat partisipasi wakaf tunai mahasiswa Muslim di Indonesia, serta menelaah peran mediasi literasi digital dalam hubungan tersebut. Kuesioner terstruktur dan diaadministrasikan kepada 400 mahasiswa Muslim yang berasal dari universitas-universitas di lima wilayah Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei cross-sectional. Kuisioner terstruktur dan diaadministrasikan kepada 400 mahasiswa yang berasal dari universitas pada lima wilayah di Indonesia. Data dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui SmartPLS 4.0. Tiga temuan utama dihasilkan. Pertama, perbankan syariah digital memberikan pengaruh positif yang signifikan terhadap partisipasi wakaf tunai (β = 0,532, p < 0,001). Kedua, perbankan syariah digital meningkatkan literasi digital pelajar (β = 0,487, p < 0,001). Ketiga, literasi digital yang lebih tinggi berhubungan dengan partisipasi wakaf tunai yang lebih besar (β = 0,383, p < 0,001). Literasi digital berfungsi sebagai mediator parsial yang mencapai 26 persen dari total efek, beroperasi melalui kemudahan transaksi langsung dan peningkatan kapabilitas digital. Model struktural menjelaskan 63,4 persen varians partisipasi wakaf. Ditemukan kesenjangan kritis antara niat berdonasi (rerata 3,67) dan perilaku donasi aktual (rerata 2,34). Temuan ini memperkaya teori dengan menunjukkan bahwa penerapan teknologi dalam keuangan Islam melibatkan dimensi utilitas instrumental sekaligus pembangunan kapasitas. Implikasi praktis mencakup integrasi fitur wakaf ke dalam aplikasi perbankan dan penyelenggaraan program literasi digital berbasis kampus guna memaksimalkan potensi mobilisasi wakaf Indonesia.
The Influence of Parenting, Financial Inclusion, and Financial Literacy on Financial Management of Gen-Z Aisyah Nur aisyah; J. Junaidi; G. Goso
Golden Ratio of Finance Management Vol. 6 No. 1 (2026): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i1.2092

Abstract

This study aims to analyze the influence of parenting, financial inclusion, and financial literacy on the financial management of Generation Z students. Specifically, this study tests the hypothesis that parenting, financial inclusion, and financial literacy have a positive effect on financial management, and that financial literacy acts as a mediator. This study used a quantitative approach, involving 123 university students as respondents selected using a stratified random sampling technique. Data analysis was conducted using the covariance-based Structural Equation Modeling (SEM) method using AMOS 22 with SPSS 22. The results show that parenting and financial inclusion have a positive and significant effect on financial literacy. However, parenting and financial inclusion do not have a significant effect on financial management. Conversely, financial literacy has been shown to have a positive and significant effect on financial management and significantly mediates the effect of parenting and financial inclusion on financial management. These findings emphasize the central role of financial literacy in improving students' financial management skills. Therefore, strengthening financial literacy through synergy between families and educational institutions is an important strategy in shaping more adaptive financial behaviors in Generation Z.
Interaksi Dana Darurat Rasio Utang Terhadap Pendapatan dan Tabungan Pensiun Dalam Meningkatkan Ketahanan Finansial Rumah Tangga Indonesia Mutmainnah; Goso; Rismawati
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.v22i1.9009

Abstract

Household financial resilience is increasingly important amid economic uncertainty. This study examines the effects of emergency funds, debt-to-income ratio, and retirement savings on household financial resilience, with financial literacy as a moderating variable. A quantitative survey was conducted involving 400 Indonesian households, and the data were analyzed using PLS-SEM. The results show that emergency funds and retirement savings positively affect financial resilience, while the debt-to-income ratio has a negative effect. Financial literacy strengthens the positive effects of emergency funds and retirement savings and mitigates the negative impact of debt burden. These findings highlight the importance of financial capability in enhancing household financial resilience.
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