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All Journal ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Jurnal Riset Rumpun Ilmu Pendidikan (JURRIPEN) Brilliant International Journal of Management and Tourism
Masruchan Masruchan
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Pengembangan Media Pembelajaran E-Book Berbasis Android untuk Meningkatkan Literasi Finansial Siswa SMK Masruchan Masruchan; Rifa Nurmilah
JURNAL RISET RUMPUN ILMU PENDIDIKAN Vol. 4 No. 1 (2025): April : Jurnal Riset Rumpun Ilmu Pendidikan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurripen.v4i1.4886

Abstract

The rapid development of digital technology and the increasing complexity of financial products, from digital wallets and bank loans to cryptocurrency and investment platforms, highlight the urgent need for financial literacy education, particularly for vocational high school (SMK) students in Indonesia. Many SMK graduates directly enter the workforce or pursue entrepreneurship without attending university, making financial decision-making skills crucial. This article explores the potential of Android-based e-books as an innovative and accessible learning medium to enhance students’ financial literacy. Designed to be interactive, contextual, and engaging for Gen Z learners, the proposed e-book serves as a pedagogical supplement, not a replacement, to classroom teaching. Drawing from literature reviews, examples of existing apps, and relevant educational frameworks, the article emphasizes the importance of developing localized, curriculum-aligned digital resources. The paper concludes with suggestions for evaluating financial learning apps and recommends steps for integrating them effectively into SMK education.
Examining the Influence of Marketing and Human Resources Strategies on Financial Stability in Retail Businesses Anak Agung Gede Wijaya; Marwan Effendi; Masruchan Masruchan
Brilliant International Journal Of Management And Tourism Vol. 5 No. 3 (2025): : Brilliant International Journal Of Management And Tourism
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v5i3.6109

Abstract

This study investigates the joint influence of marketing strategy and human resource strategy on financial stability in retail businesses operating under increasingly volatile and technology driven market conditions. Retail firms face persistent challenges related to demand uncertainty, workforce dependency, and financial vulnerability, yet existing studies largely examine marketing and HR strategies as separate performance drivers. This research aims to address this gap by analyzing their direct and interactive effects on multidimensional financial stability. A quantitative explanatory design was employed using survey data from senior retail managers combined with audited financial reports. Structural equation modeling was applied to test causal relationships, while artificial intelligence based predictive modeling was used to enhance analytical robustness and capture non-linear patterns. The results show that both marketing strategy and human resource strategy have significant positive effects on financial stability. More importantly, their interaction effect is also statistically significant, indicating that strategic alignment between marketing and HR strengthens liquidity resilience, earnings consistency, and overall financial sustainability beyond their individual contributions. The AI model confirms these findings by identifying both strategies as the most influential predictors of financial stability, surpassing traditional firm characteristics. These findings demonstrate that financial stability in retail is not merely driven by accounting efficiency but fundamentally shaped by synchronized strategic capabilities. This study contributes to the literature by integrating marketing and HR strategies into a unified financial stability framework and extending retail finance research toward a multidimensional stability perspective. Managerially, the results emphasize the importance of coordinated investments in marketing capability and human capital development to achieve sustainable retail financial resilience.
Peran Pasar Tradisional Tapen dalam Mendukung Aktivitas Ekonomi Masyarakat di Desa Tapen Kecamatan Kudu Kabupaten Jombang Salsa Andrawati; Masruchan Masruchan
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10725

Abstract

Although traditional markets have received attention in various studies, research that specifically discusses the multidimensional role of traditional markets in supporting community economic activities, including distribution, employment, income, fulfillment of needs, and social interaction simultaneously, remains limited. This study aims to analyze the role of Tapen Traditional Market in supporting the economic activities of the community of Tapen Village, Kudu Subdistrict, Jombang Regency. This study used a qualitative approach with a case study design, involving 22 informants consisting of large and small traders, employees, rice distribution agents, active buyers, the market head, the village head, and parking attendants, who were selected through purposive sampling. Data were collected through in-depth interviews, participatory observation, and documentation, and were then analyzed using the Miles and Huberman interactive model, which includes data reduction, data display, and conclusion drawing. The results show that Tapen Market performs five main interrelated roles, namely distributing basic necessities through rice agent networks and the wholesale networks of two large traders, absorbing more than 200 workers, creating daily economic circulation that increases the income of large and small traders, providing basic necessities at affordable prices through a bargaining mechanism, and serving as a space for social interaction that strengthens the cohesion of village residents. The conclusion of this study affirms that social capital and local distribution networks play an important role in maintaining the resilience of traditional markets amid the expansion of modern retail and e-commerce. The implications of this study provide theoretical contributions to the development of economic sociology and people’s economy theory, as well as practical implications for village governments and market managers in designing gradual digitalization and improving market infrastructure.
Co-Authors Anak Agung Gede Wijaya Marwan Effendi Rifa Nurmilah Salsa Andrawati