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The Effect of Financial Literacy, Social Support, and Financial Stress on Single-Mother Financial Well-being Siti Sekar Ayu Fadillah; Irni Rahmayani Johan; Tin Herawati
Khazanah Sosial Vol. 7 No. 3 (2025): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v7i3.46075

Abstract

The increasing rates of divorce and the growing number of female-headed households highlight important social dynamics that require serious attention. However, in 2023, only 60.31% of female heads of households were employed, creating economic challenges that affect fulfilling family needs. This situation reflects a gap between women's responsibilities and their access to economic resources. Women who assume dual roles must perform both instrumental and expressive functions, acting as breadwinners and caregivers who provide love and emotional Support to their children. These dual roles often increase the risk of stress, particularly in financial aspects. Single mothers tend to face various forms of vulnerability, including social, physical, emotional, and economic vulnerabilities, all of which can negatively impact overall family well-being. This quantitative research project uses an explanatory research design and a voluntary sampling technique. One hundred twenty-five single mothers participated as respondents, representing various age groups ranging from 25 to 57 years. The highest divorce status was widowhood (63.2%), followed by divorce due to separation (36.8%). Data were collected through a questionnaire tested for validity and reliability. The study results indicate that financial literacy has a positive and significant effect on financial stress, meaning that higher levels of financial literacy are associated with lower levels. Social Support also has a positive and significant effect on financial stress, indicating that Support from one's social environment can help reduce financial pressure. Furthermore, financial stress has a negative and significant effect on financial well-being, suggesting that increased financial stress leads to lower financial well-being.
Determinants of Halal-Labeled MSME Food Purchase Decisions among Muslim Generation Z Consumers Nadira Amalia; Irni Rahmayani Johan
Journal of Child, Family, and Consumer Studies Vol. 5 No. 1 (2026): Journal of Child, Family, and Consumer Studies
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcfcs.5.1.53-69

Abstract

Despite Indonesia’s large Muslim population and the rapid development of its Islamic economic ecosystem, the limited availability of halal-certified packaged food products produced by MSMEs remains a challenge in meeting the needs of Muslim consumers. This study aimed to examine the effects of religiosity, subjective norms, and halal awareness on purchase decisions regarding halal-labeled packaged food products produced by MSMEs. This cross-sectional study involved 191 Muslim Generation Z consumers in Greater Jakarta who had purchased packaged MSME food products within the previous three months. Respondents were recruited using voluntary sampling and data were collected through an online questionnaire administered via Google Forms. The data were analyzed using descriptive statistics in IBM SPSS Statistics version 25.0 and Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The findings indicate that religiosity and subjective have significant positive effects on purchase decisions regarding halal-labeled MSME food products, whereas halal awareness does not significantly influence purchase decisions. Among the examined, religiosity emerged as the strongest determinant of purchase decisions. These findings suggest that efforts to promote the consumption of halal-labeled products should focus on strengthening consumers' religious understanding to support purchase decisions regarding halal products
Consumer Preferences for Digital Marketing Attributes in Gluten-Free Products: a Case Study of Cookly Thania Usamah; Ujang Sumarwan; Irni Rahmayani Johan
Jurnal Aplikasi Bisnis dan Manajemen Vol. 12 No. 2 (2026): JABM, Vol. 12 No. 2, May 2026
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.12.2.398

Abstract

Background: Cookly, a gluten-free bread MSME, faces challenges in navigating the competitive healthy food market, requiring data-driven digital strategies to capture the growing urban demand for healthy lifestyles.Purpose: This study aims to identify consumer characteristics, analyze preferences toward digital marketing attributes, and formulate relevant strategies to enhance competitiveness in the gluten-free product market.Design/methodology/approach:  The research employed a quantitative approach using a survey of 100 respondents selected through purposive and snowball sampling in the Greater Jakarta area (Jabodetabek). Data were analyzed using descriptive statistics and conjoint analysis to identify the most influential digital marketing attributes in consumer purchasing decisions.Findings/Result: The findings reveal that potential consumers are predominantly women aged 18–25, highly educated, with average monthly online food expenditures above IDR 1,000,000. Conjoint analysis results indicate that social media is the most critical attribute (Importance Value: 28.10%), with TikTok (+0.199) and Instagram (+0.136) as the most preferred platforms. This is followed by Social Proof (21.30%), where user-generated content and reviews are essential, and Digital Promotion (20.40%), with a strong preference for voucher-based incentives. The model showed high predictive validity (Pearson’s R = 0.973). Conclusion: The recommended strategy focuses on interactive campaigns on TikTok and Instagram to leverage high platform preference, strengthening social proof through UGC, and implementing voucher-based promotions. These tactics are integrated into a TOFU–MOFU–BOFU framework to systematically attract and convert the audience.Originality/value: This study advances consumer-driven digital marketing research in niche healthy food MSMEs by combining utility-based conjoint evidence with content funnel strategy, providing actionable prioritization of platforms, social proof, and promotional tactics. Keywords: conjoint analysis, consumer preferences, content strategy, digital marketing, gluten-free
The Influence of Financial Literacy and Reference Group toward Consumptive Behavior Across Senior High School Students Fikriyyah Ridhayani; Irni Rahmayani Johan
Journal of Consumer Sciences Vol. 5 No. 1 (2020): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Social and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.5.1.29-45

Abstract

Consumptive behavior is the tendency to buy goods or services without rational consideration. This study aims to analyze the influence of financial literacy and reference groups toward consumptive behavior across senior high school students. The study used a cross-sectional design and the research location was selected purposively based on the distance of the school from the shopping center area. Using the self-administered questionnaire, the study involved 125 students of public high school (SMAN) at Bogor City, that is SMAN 3 and SMAN 9. The data were analyzed using descriptive analysis and inferential statistics. The study showed that the level of financial literacy was in the medium category, while the reference group and the level of consumptive behavior were in a low category. Moreover, results indicated a relationship between the characteristics of adolescents, financial literacy, reference groups, and consumptive behavior. The regression test found a significant negative effect of financial behavior toward consumptive behavior. Females were more likely to be more consumptive, while reference groups positively influenced the consumptive behavior of senior high school students.
The Effects of Financial Literacy and Self-Control towards Financial Behavior among High School Students in Bogor Jihaan Khoirunnisaa; Irni Rahmayani Johan
Journal of Consumer Sciences Vol. 5 No. 2 (2020): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Social and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.5.2.73-86

Abstract

This research aims to analyze the effect of financial literacy and self-control on financial behavior among Bogor High School students. This research was conducted in two public high schools in Bogor, West Java, Indonesia, that were selected based on the level of passing grade of the school (high-grade and low grade). In collecting the data, this study used a self-administered questionnaire. About 113 of senior high school students from science and social majors were selected as the sample. This study found that financial knowledge and financial attitude were on a moderate level. High-grade school students tend to have better financial knowledge and attitude than those from low-grade schools. The results of this study also show that the self-control of students was classified as a low category. Those from low-grade schools were more likely to have better self-control compared to students from the high-grade school. Furthermore, financial behavior, which consists of saving and spending behavior, were categorized as poor. There was a significant difference in financial knowledge, financial attitude, and self-control among both schools. The financial attitude was positively significantly related to financial knowledge and behavior. Self-control was associated positively with financial behavior. Further analysis of multiple linear regression shows a positive and significant effect of financial attitude and self-control towards financial behavior.
Prudent Behavior in the Use of Paylater: The Influence of Digital Financial Literacy, Mental Accounting, Motivation, and Sales Promotion Alvina Hanazenira; Irni Rahmayani Johan
Journal of Child, Family, and Consumer Studies Vol. 4 No. 3 (2025): Journal of Child, Family, and Consumer Studies
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcfcs.4.3.161-176

Abstract

The ease of paylater makes people interested in using paylater to achieve their goals, even though using paylater can also provide risks to the people who use it. This study involved respondents with millennial generation criteria and have used or are using paylater in Indonesia which aims to analyze the effect of digital financial literacy, mental accounting, motivation, and sales promotion on paylater precautionary behavior. Data obtained through online questionnaires using Google Form. The data analysis used descriptive analysis, correlation test, and Structural Equation Modeling (SEM) analysis. he results show that digital financial literacy and mental accounting have significant positive effects on paylater precautionary behavior, while motivation has a significant negative effect. No significant direct effects were found between digital financial literacy and mental accounting, or between sales promotion and paylater precautionary behavior; however, both digital financial literacy and sales promotion indirectly influence paylater precautionary behavior through motivation as a mediating variable. This study recommends financial planning and management training or educational programs to promote long-term financial thinking in paylater use and to reduce impulsive spending behavior
PERILAKU PENGGUNAAN MINYAK GORENG SERTA PENGARUHNYA TERHADAP KEIKUTSERTAAN PROGRAM PENGUMPULAN MINYAK JELANTAH DI KOTA BOGOR Firina Firina; Retnaningsih Retnaningsih; Irni Rahmayani Johan
Jurnal Ilmu Keluarga dan Konsumen Vol. 3 No. 2 (2010): Jurnal Ilmu Keluarga dan Konsumen
Publisher : Faculty of Social Science and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (100.246 KB) | DOI: 10.24156/jikk.2010.3.2.184

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Specific objectives of the study are to: (1) determine cooking oil buying and using behavior; (2) analyze the influence of internal factors on the amount of cooking oil purchased and utilized; and (3) analyze the affecting factors on house wives’ participation on waste cooking oil collection program. Result of the study indicates that house wives’ purchase unbranded in plastic package cooking oil daily in small store around the house. The daily average of cooking oil is about 49,05 gram per capita. Most of them utilize cooking oil twice for frying. House wives’ have general knowledge of cooking oil, but unaware about wasted cooking oil collection program. Such factors as family size, wives employment status, and attitude toward cooking oil, significantly determine the buying and using behavior of cooking oil. In the meanful, family size knowledge about the program and attitude toward cooking oil gain influence house wives’ participation on wasted cooking oil collection program.
KONSEP DIRI, KECERDASAN EMOSIONAL, TINGKAT STRES, DAN STRATEGI KOPING REMAJA PADA BERBAGAI MODEL PEMBELAJARAN Restu Dwi Prihatina; Melly Latifah; Irni Rahmayani Johan
Jurnal Ilmu Keluarga dan Konsumen Vol. 5 No. 1 (2012): Jurnal Ilmu Keluarga dan Konsumen
Publisher : Faculty of Social Science and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (6362.329 KB) | DOI: 10.24156/jikk.2012.5.1.48

Abstract

 This study aimed to analyze the characteristics of adolescent, family characteristics, self-concept, emotional intelligence, stress levels, and coping strategies in various learning models of the highschool level. In addition, the study aimed to analyze the relationship between self-concept and emotional intelligence with stress level and coping strategies of adolescent. The study was conducted at one of senior high school in the Bogor City. Adolescent involved in the study were students in grade XI of science class from learning model of acceleration, international school, and reguler which amounted 86 students and selected purposively. Data were collected through self-reporting techniques. Data were analyzed by descriptive, different test, and correlation test. This study found that adolescent emotional intelligence different significantly based learning model. Emotional intelligence associated significantly with adolescent self-concept. Self-concept and emotional intelligence of the adolescent also associated significantly with the level of stress and coping strategies. 
SIKAP, PREFERENSI, DAN NIAT BELI TERHADAP PRODUK MAKANAN RINGAN PADA ANAK USIA SEKOLAH Ujang Sumarwan; Irni Rahmayani Johan; Dwi Anindita
Jurnal Ilmu Keluarga dan Konsumen Vol. 4 No. 1 (2011): Jurnal Ilmu Keluarga dan Konsumen
Publisher : Faculty of Social Science and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4642.998 KB) | DOI: 10.24156/jikk.2011.4.1.98

Abstract

This study aimed to analyze attitudes, preferences, and purchase intentions of snack products on school-age childrens; to analyze the correlation between research’s variables; and to analyze influence factor of purchase intentions on snack products. The study design was quasi experimental, which will have two treatments given to two groups, namely men's and women's groups. Two treatments were given to the sample was advertising exposure then consumers test (treatment 1), and consumer test then advertising exposure (treatment 2). The participants of this study were 60 students from sixth grade elementary school that were selected randomly. Base on treatment and sex, Independent Samples T Test showed that attitudes, preferences, and purchase intentions wasn’t different significantly. Spearman’s correlation analysis showed that attitudes had significant correlation with purchase intentations. Children purchase intentations was influenced by attitudes.
GAYA HIDUP, MANAJEMEN KEUANGAN, STRATEGI KOPING, DAN KESEJAHTERAAN KELUARGA NELAYAN Irni Rahmayani Johan; Istiqlaliyah Muflikhati; Dewi Sekar Mukhti
Jurnal Ilmu Keluarga dan Konsumen Vol. 6 No. 1 (2013): Jurnal Ilmu Keluarga dan Konsumen
Publisher : Faculty of Social Science and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (5486.732 KB) | DOI: 10.24156/jikk.2013.6.1.30

Abstract

The aim of this research was to analyze the influence of family characteristic, lifestyle, financial management, and coping strategies toward the fisherman families well-being (objective and subjective). The study involved 88 fisherman families which having school children and were chosen purposively. Data was collected by interview and analyzed by descriptive, hierarchical cluster analysis, multiple linear regression analysis, and logistic regression analysis. The research results showed that the lifestyle of fisherman families were family oriented. Financial management was categorized as medium. When they were having the decrease of income, they tend to do cutting back as coping strategies rather than generating income. Most of fisherman families are classified as nonpoor by objective indicator. The objective well-being was influenced by the family size and family income per capita per month. Meanwhile, the subjective well-being of fisherman families were categorized as medium. The subjective well-being was influenced by wifes’ age and productive oriented lifestyle.