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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) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JURNAL EKSBIS BALANCE: Economic, Business, Management and Accounting Journal 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) 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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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.
Co-Authors Abdul Rahman Adil Adil Adinda Tasya Salsabilla Anwar Adri, Khaeriyah 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 Fitriani S H. Halim Palatte Haniati, Martiana Hartina, Hartina Hijrah Febriana Utami Hikma Ramadani Husmaruddin Husmaruddin, Husmaruddin Ibrahim Halim Ibrahim Halim Ibrahim Halim, Ibrahim Imam Pribadi Imran Ukkas Indra Kusdarianto, Indra Indriani Indriani Jumawan Jasman Juwandariah Jubir Kamaruddin, Yusuf Khaeriyah Adri Khaerunnisa, Resky 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 Nersa Nugraha Rasyid Nur Fadila Nurnawati, Andi Ayu Nursyamsih Husma Sam Nurul Azikin Pajarianto, Hadi Peri Herdiansyah Putri Handayani Putri lalimuga, Yosephine Injilitha Rahma Eka Putri Rahmad Solling Hamid Rahmawati, Rahmawati Rasyid, Nugraha Rismawati Rismawati Rismawati Sudirman Riswandi Paradi Rusmulya, Muthia Salsabillah Said, Tiara Dwitiya Salju Salju Samsul Bachri Sari Ratna Dewi Sari, Nova Vurba Siska Handayani Supardi, Musdalifah Putriami Syamsu Alam SYAMSU ALAM Widiyanti, Wika Winanda, Winanda Wisnu Kurniadi Wulandari Wulandari Yulia Wiranti Yuliana Dahman Zikra Supri