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All Journal SEGMEN Jurnal Manajemen dan Bisnis Jurnal Minds: Manajemen Ide dan Inspirasi Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Geocelebes Jurnal Mirai Management JURNAL MANAJEMEN MOTIVASI Journal of Economic, Bussines and Accounting (COSTING) al-Afkar, Journal For Islamic Studies JMM (Jurnal Masyarakat Mandiri) Patria Artha Management Journal EQIEN - JURNAL EKONOMI DAN BISNIS Atma Jaya Accounting Reseach (AJAR) JURNAL EKONOMI SAKTI (JES) International Journal of Religious and Cultural Studies Didaktik : Jurnal Ilmiah PGSD STKIP Subang Jurnal Ilmu Manajemen Profitability Journal of Community Service and Empowerment International Journal of Community Service Jurnal Riset Ilmu Ekonomi Jurnal Ar-Ribh INVOICE : JURNAL ILMU AKUNTANSI Wiga : Jurnal Penelitian Ilmu Ekonomi AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis Journal of Artificial Intelligence and Digital Business Eduvest - Journal of Universal Studies Perbal: Jurnal Pertanian Berkelanjutan Indonesian Journal of Multidisciplinary on Social and Technology Jurnal Kajian Dan Penalaran Ilmu Manajemen Jurnal Bimbingan dan Konseling Pendidikan Islam Journal of Community Service and Society Empowerment Revenue Journal: Management and Entrepreneurship IIJSE International Journal of Economic Research and Financial Accounting Jurnal Social Society Indonesian Journal of Management Studies Indonesian Journal of Innovation Multidisipliner Research
Asri Jaya
Fakultas Ekonomi Dan Bisnis, Universitas Muhammadiyah Makassar, Makassar, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Neuroscience Public Health Social Sciences Other

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Technology-mediated education for marginalized populations: financial literacy gap Jaya, Asri
Revenue Journal: Management and Entrepreneurship Vol 1 No 2 (2023): Revenue Journal: Management and Entrepreneurship (December)
Publisher : CV. Bimbingan Belajar Assyfa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61650/rjme.v1i2.470

Abstract

A person's financial attitude includes thoughts, attitudes, and self-confidence in managing money. A positive financial attitude is essential for responsible financial behavior and long-term well-being. Financial literacy includes financial behavior and consequences, not just information and skills. Technology in financial education has the potential to reduce the picture of financial literacy in developing countries. This research explains how technology-mediated financial education can be flexible, cost-effective, and adaptable, and reach communities underserved by financial services. This research also identified barriers such as inadequate infrastructure, limited access, and language and cultural barriers. Through extensive literature insights from various sources such as "ABInform", "EBSO Host", "Emerald", "Google Scholar", "Science Direct", "ProQuest", "Web of Science", and "ERIC", this research strives for digital inclusion and reduced financial literacy. The findings of this study suggest that although technology can be an effective tool, there is an urgent need for a thorough assessment of the long-term consequences and examination of comparative distribution techniques. This research emphasizes the need for further investigation to understand the impact of limited access to technology on financial literacy among marginalized communities.
Beyond Rational Piety: Herding Behavior and the Cognitive Architecture of Islamic Investment Decisions Jaya, Asri; Haanurat, A. Ifayani; Nurlina, Nurlina
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 13 No 1 (2026): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v13i1.63554

Abstract

This study examines how representativeness bias and emotion shape Islamic investment decisions through herding behavior among Indonesian Islamic stock investors. The study contributes to behavioral Islamic finance literature by positioning herding behavior as a cognitive-emotional mechanism in which representativeness bias acts as the dominant trigger while emotion amplifies collective investment tendencies. Using a quantitative approach and PLS-SEM, data were collected from 324 investors who actively transact in Islamic stocks in Indonesia. The findings reveal that representativeness bias significantly influences herding behavior and Islamic investment decisions, while emotion strengthens the relationship between representativeness bias and herding behavior. Herding behavior also mediates the influence of cognitive and emotional factors on investment decisions. These findings imply the importance of strengthening behavioral financial literacy and critical investment judgment to reduce irrational collective behavior in Islamic capital markets.
The Influence Of Financial Technology (Fintech) On Student Financial Management (A Case Study Of Students At Politeknik Muhammadiyah Makassar) Amelia, Ingrid; Jaya, Asri; Syahriani, A. Tenri
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.v21i2.7977

Abstract

This study investigates the impact of Financial Technology (Fintech) on student financial management at Muhammadiyah Polytechnic Makassar. A quantitative approach was used with 92 respondents who are fintech users, using surveys and SPSS for data analysis. The results show a positive and significant influence (t = 5.201, p < 0.05), indicating fintech improves planning, controlling, and optimizing student expenses. These findings highlight fintech’s role in supporting better financial habits, but also underline the need for increased financial literacy to prevent excessive spending. This research suggests the importance of responsible fintech use to help students manage finances effectively and sustainably.
Analisis Faktor yang Mempengaruhi Keterlambatan Penerbitan Surat Perintah Pencairan Dana (SP2D) pada Badan Pengelolaan Keuangan Daerah Kabupaten Gowa Sakaria Sakaria; Asri Jaya; Nurlina Nurlina
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.8707

Abstract

Keterlambatan penerbitan Surat Perintah Pencairan Dana (SP2D) merupakan permasalahan administratif yang berdampak luas pada efektivitas pengelolaan keuangan daerah. Penelitian ini bertujuan untuk menganalisis pengaruh sumber daya manusia, sistem dan teknologi informasi, prosedur administrasi, serta budaya organisasi terhadap keterlambatan penerbitan SP2D pada Badan Pengelolaan Keuangan Daerah (BPKD) Kabupaten Gowa. Penelitian ini menggunakan pendekatan kuantitatif asosiatif dengan populasi seluruh pegawai BPKD Kabupaten Gowa yang berjumlah 40 orang dan menggunakan teknik sampel jenuh. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis menggunakan regresi linear berganda dengan bantuan SPSS 29. Hasil uji validitas dan reliabilitas menunjukkan bahwa seluruh instrumen penelitian valid dan reliabel. Uji asumsi klasik menunjukkan data berdistribusi normal dan bebas dari multikolinearitas serta heteroskedastisitas. Berdasarkan analisis regresi, nilai koefisien determinasi (R²) sebesar 0,531 berarti keempat variabel independen mampu menjelaskan 53,1% variasi keterlambatan penerbitan SP2D. Secara parsial, sumber daya manusia berpengaruh positif dan signifikan (t = 2,247; sig. 0,031) dan budaya organisasi berpengaruh positif dan signifikan (t = 2,136; sig. 0,040) terhadap keterlambatan penerbitan SP2D. Sementara itu, sistem dan teknologi informasi (sig. 0,138) serta prosedur administrasi (sig. 0,099) tidak berpengaruh signifikan secara parsial. Secara simultan, seluruh variabel berpengaruh signifikan (F = 10,366; sig. 0,000). Temuan ini mengimplikasikan perlunya peningkatan kompetensi aparatur dan penguatan budaya organisasi yang disiplin untuk mempercepat proses penerbitan SP2D.
Pengaruh Kemudahan Penggunaan dan Persepsi Harga Terhadap Keputusan Pembelian di TikTok Shop Riris Ode Antea; Asri Jaya; Nurlina Nurlina
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 4 No. 2 (2026): April
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v4i2.841

Abstract

This research is motivated by the increasing use of TikTok Shop as a social commerce platform that makes it easier for consumers to make purchases through interactive features and various price promotion strategies. This study aims to analyze the influence of ease of use and price perception on purchase decisions on TikTok Shop. The population in this study is students of the Management Study Program of the University of Muhammadiyah Makassar class of 2022–2025, with a sample of 95 respondents determined using the Slovin technique. The analysis method used is multiple linear regression supported by validity, reliability, and classical assumption tests. The results of the study show that ease of use and partial price perception have a positive and significant influence on purchase decisions on TikTok Shop. High ease of use can increase consumer convenience in transactions, while good price perception encourages consumers to make purchase decisions. The implications of this study show the importance of improving the quality of the system and pricing strategies in supporting consumer purchase decisions on social commerce platforms
The Influence of Financial Technology on Increasing Financial Inclusion in MSMEs in Bira Village, Bulukumba Regency Kasmita Kasmita; Asri Jaya; Firman Syah
Journal Social Society Vol. 6 No. 2 (2026): April - Juni 2026
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54065/jss.6.2.2026.899

Abstract

This study is urgent because understanding how financial technology influences financial inclusion can help MSMEs in Bira Village overcome limited access to formal financial services and support inclusive local economic growth. This study investigates the impact of financial technology (fintech) on enhancing financial inclusion among Micro, Small, and Medium Enterprises (MSMEs) in Bira, Bulukumba Regency. The research is motivated by the limited access of MSMEs to formal financial services and the potential of fintech to offer more accessible digital financial solutions. A quantitative research method was employed, utilizing a survey approach. Data were collected through questionnaires administered to 64 MSME respondents and analyzed using simple linear regression with SPSS software. The data were collected from selected MSME operators using a purposive sampling technique The findings reveal that fintech exerts a positive and statistically significant influence on financial inclusion, as evidenced by a p-value of 0.000 and a coefficient of determination (R²) of 0.893. This indicates that 89.3% of the variance in financial inclusion is attributable to fintech adoption. The study concludes that fintech facilitates access to formal financial services such as digital payments, savings, and loans thereby promoting more efficient and sustainable business operations for MSMEs.
Pengaruh Penggunaan Financial Technology Dan Pengetahuan Keuangan Terhadap Perilaku Menabung Mahasiswa Manajemen Universitas Muhammadiyah Makassar Nadia Zhabila Yusuf; Asri Jaya; Abdul Khaliq
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 2 (2026): Maret - Juni
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i2.8674

Abstract

Perkembangan teknologi keuangan (financial technology/fintech) membawa perubahan signifikan dalam perilaku keuangan masyarakat, termasuk kebiasaan menabung. Data Otoritas Jasa Keuangan (OJK) mencatat bahwa pada tahun 2025 terdapat 95 penyelenggara resmi fintech lending dengan total penyaluran pinjaman menembus Rp1.300 triliun, sementara Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2025 menunjukkan indeks literasi keuangan sebesar 66,46% dan inklusi keuangan sebesar 80,51%. Ketimpangan ini mencerminkan bahwa tingginya penggunaan fintech belum selalu diikuti perilaku menabung yang optimal, khususnya di kalangan mahasiswa yang cenderung konsumtif. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan financial technology dan pengetahuan keuangan terhadap perilaku menabung mahasiswa Program Studi Manajemen Universitas Muhammadiyah Makassar. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner kepada 93 responden dari angkatan 2022, 2023, 2024, dan 2025. Penentuan sampel menggunakan rumus Slovin dengan teknik stratified random sampling. Data dianalisis menggunakan SPSS versi 25 yang mencakup uji validitas, uji reliabilitas, uji asumsi klasik, dan analisis regresi linear berganda. Hasil penelitian menunjukkan secara parsial, penggunaan financial technology berpengaruh positif dan signifikan terhadap perilaku menabung dengan nilai t hitung sebesar 3,006 dan signifikansi 0,003 (< 0,05). Pengetahuan keuangan juga berpengaruh positif dan signifikan dengan t hitung sebesar 7,112 dan signifikansi 0,000 (< 0,05). Secara simultan, kedua variabel berpengaruh signifikan dengan F hitung sebesar 64,248 dan signifikansi 0,000 (< 0,05). Nilai R Square sebesar 0,588 menunjukkan kedua variabel mampu menjelaskan 58,8% variasi perilaku menabung mahasiswa. Temuan ini mengindikasikan bahwa semakin baik pemanfaatan financial technology dan semakin tinggi pengetahuan keuangan yang dimiliki mahasiswa, semakin baik pula perilaku menabung mereka.
Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Di Kecamatan Bangkala St. Nurpadila; Asri Jaya; Nurlina Nurlina
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 2 (2026): Maret - Juni
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i2.8797

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian terhadap Perilaku Manajemen Keuangan pada pelaku UMKM di Kecamatan Bangkala, Kabupaten Jeneponto. Menggunakan pendekatan kuantitatif asosiatif-kausal, penelitian ini mengkaji hubungan antar variabel melalui analisis regresi linear berganda. Sampel penelitian sebanyak 81 pemilik UMKM yang dipilih menggunakan rumus Slovin dari populasi sebesar 2.425 unit usaha. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan uji validitas, uji reliabilitas, uji asumsi klasik, dan pengujian hipotesis. Hasil penelitian menunjukkan bahwa secara parsial, Pengetahuan Keuangan (t = 2,423, sig. = 0,018), Sikap Keuangan (t = 2,105, sig. = 0,039), dan Kepribadian (t = 2,256, sig. = 0,027) masing-masing memiliki pengaruh positif dan signifikan terhadap Perilaku Manajemen Keuangan. Secara simultan, ketiga variabel tersebut memberikan kontribusi signifikan (F = 21,432, sig. = 0,000) terhadap perilaku manajemen keuangan dengan koefisien determinasi (R2) sebesar 0,454 yang berarti 45,4% perilaku manajemen keuangan dijelaskan oleh ketiga variabel tersebut. Temuan ini menegaskan bahwa kombinasi antara kompetensi keuangan dan karakter personal sangat krusial dalam menentukan kualitas tata kelola keuangan bagi para pelaku UMKM.
Pengaruh Literasi Digital Dan Disiplin Kerja Terhadap Kinerja Pegawai Dinas Tenaga Kerja Dan Transmigrasi Provinsi Sulawesi Selatan Nur Ainun; Muhammad Yusuf; Asri Jaya
Indonesian Journal of Innovation Multidisipliner Research Vol. 4 No. 2 (2026): April - Juni
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v4i2.711

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh literasi digital dan disiplin kerja terhadap kinerja pegawai Dinas Tenaga Kerja dan Transmigrasi Provinsi Sulawesi Selatan, baik secara parsial maupun simultan. Penelitian ini menggunakan pendekatan kuantitatif dengan desain asosiatif, dengan jumlah sampel sebanyak 120 responden yang ditentukan menggunakan rumus Slovin dengan tingkat kesalahan 5% melalui metode simple random sampling. Data penelitian diperoleh melalui penyebaran kuesioner kepada pegawai dan dianalisis menggunakan aplikasi Statistical Package for the Social Science (SPSS) versi 26. Hasil uji parsial (Uji T) menunjukkan bahwa variabel literasi digital memperoleh nilai t-hitung sebesar 2,914 dengan signifikansi 0,004 < 0,05, sedangkan variabel disiplin kerja memperoleh nilai t-hitung sebesar 7,958 dengan signifikansi 0,000 < 0,05. Hasil uji simultan (Uji F) menunjukkan nilai F-hitung sebesar 65,758 dengan signifikansi 0,000 < 0,05, serta koefisien determinasi (R²) sebesar 0,529 atau 52,9%. Dengan demikian, dapat disimpulkan bahwa literasi digital dan disiplin kerja secara parsial maupun simultan berpengaruh positif dan signifikan terhadap kinerja pegawai, di mana disiplin kerja memberikan kontribusi yang lebih dominan terhadap peningkatan kinerja pegawai Dinas Tenaga Kerja dan Transmigrasi Provinsi Sulawesi Selatan.
Co-Authors A Ifayani Haanurat A. Ifayani Haanurat A. Ifayani Haanurat A. Tenri Syahriani A. Tenri Syahriani A.Ifayani Haanurat Abbas, Akmal Hidayah Abdul Khaliq Abdul Khaliq Abdul Muttalib Abdul Wahab Achmad Abubakar Aeni, Nur’ Akhmad, Akhmad Alimuddin, Fauziah Amelia, Ingrid Amina Andi Jam’an Andi Mappatompo Andi Nila Sari Angrayani A Apriliani Sukwar Asriati Asriati Aulia, Risna Azizah Saban dadang nuryadi Dahlan Lama Bawa Devi Azra Yunus Dian Anggraeni Dian Anggraini Eka Febrianti Erwin Wirawan Fakhira Irwan Fenny Hasanuddin Firman Syah Fitri Handayani Alnur Haerany Sirajuddin Harry Humaida Tuzzahra Husna, Evi Nurul Ifayani Haanurat Ihsanul, Muhammad Indo Santalia Irwansyah, Nur Fadiyah Ifa Putri Ismawati Ismawati J, Jusriadi Kasmita Kasmita Khaliq, Abd. Lilis, Lilis M. Yusuf K M. Yusuf K M. Yusuf. K M.Amin Mahmud Nuhung Maulana, Danil Meily Meliyani Muchriana Muchran Muchriana Muchran Muchriana Muchran Muh. Alfian Muh. Nur Muhammad Adil Muhammad Khaedar Sahib Muhammad Umar Muhammad Yusuf Muhammad Yusuf Mukhtar Lutfi mutiara mutiara Mutya Khaerunnisa Nadia Zhabila Yusuf Nasrullah Nasrullah Nining Triani Thamrin Nur Ainun Nur Alisa Nurlina Nurlina Nurlina Nurlina Nurlina Nurlina Nurlina Nurlina Nurlina Nurlina Nurlina Nurul Fauzia Ishak Nurul Imana Nuryanti Mustari Rahmawati Muin Riris Ode Antea Risaldi, Muh Rusydi Khalid S. Sukmawati Saeful Saeful Sahabuddin Nanda Sahabuddin Nanda Sahabuddin Nanda Sahrullah, Sahrullah Sakaria Sakaria Samsul Bahari Saputri, Ananda Selmi Selmi St. Nurpadila Sukmawati - Sukmawati S Sukmawati Sukmawati Syahriani, A. Tenri Ullah, Nasrullah Vikram Singh Wa Ode Rayyani Wa Ode Rayyani Wa Ode Rayyani Wa Ode Rayyani Wa Ode Rayyani Wa Ode Sufiati Wahyudi Malik Wahyudin G Yulia Yulia Yusran, Sri Wahyuni Pratiwi Zalkha Soraya Zalkha Soraya Zalkha Soraya