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This Author published in this journals
All Journal Jurnal Riset Rumpun Ilmu Pendidikan (JURRIPEN) Brilliant International Journal of Management and Tourism
Masruchan Masruchan
Unknown Affiliation
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media 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): October: 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.
Co-Authors Anak Agung Gede Wijaya Marwan Effendi Rifa Nurmilah