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All Journal Jurnal YIN YANG International Journal Ihya' 'Ulum al-Din KACANEGARA Jurnal Pengabdian pada Masyarakat Media Mahardhika Jurnal Studi Ilmu-ilmu Al-Qur'an dan Hadis Aqlania JISIP: Jurnal Ilmu Sosial dan Pendidikan Syntax Idea International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Absis : Jurnal Pendidikan Matematika dan Matematika PUTIH JURNAL PENGETAHUAN TENTANG ILMU DAN HIKMAH wacana equiliberium (jurnal pemikiran penelitian ekonomi) Jurnal Techno Bahari International Journal of Economics, Management, Business, and Social Science E-JOINT (Electronica and Electrical Journal Of Innovation Technology) PROFICIO: Jurnal Pengabdian Masyarakat Jurnal Penelitian Inovatif PRIMA : Portal Riset dan Inovasi Pengabdian Masyarakat Jurnal Abdi Panca Marga Bayani TRANSFORMATIONAL LANGUAGE, LITERATURE, AND TECHNOLOGY OVERVIEW IN LEARNING (TRANSTOOL) Jurnal Sosial dan Humanis Sains Analisa: Journal of Social Science and Religion Abdi Teknoyasa JOURNAL OF MEDICAL RECORDS AND HELATH INFORMATION Jurnal For Management Student (JFMS) Journal of Artificial Intelligence and Digital Business Kajian Pendidikan Dasar (KAPEDAS) Journal of Educational Management Research JURNAL RETENTUM Al-Jadwa: Jurnal Studi Islam Policy Brief Pertanian, Kelautan, dan Biosains Tropika Journal of Economic and Bussiness Retail Malacca: Journal of Management and Business Development Journal Of Applied Multidisciplinary Studies (JAMS) Jurnal Dinamika Pendidikan
Ahmad Mustofa
Fakultas Adab UIN Yogyakarta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Physics Public Health Social Sciences Transportation Veterinary Other

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Journal : Media Mahardhika

 1 
SISTEM INFORMASI AKUNTANSI UNTUK USAHA MIKRO, KECIL DAN MENENGAH (UMKM) : PENGHAMBAT ATAU SOLUSI? (Studi Kasus Usaha Kecil dan Menengah di Kabupaten Jember) Mustofa, Ahmad; Setyawan, Bimo; Azaro, Khoirin; Khoirunisa, Rizqi; Kurnia, Lely Indah
Media Mahardhika Vol. 23 No. 3 (2025): May 2025
Publisher : STIE Mahardhika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/mahardika.v23i3.1311

Abstract

Indonesia's economic structure is dominated by Micro, Small, and Medium Enterprises (MSMEs), which play a strategic role in economic growth and poverty alleviation. The implementation of accounting information systems in MSMEs is a crucial issue in improving financial management efficiency and transparency. This study aims to explore the challenges and successes of implementing accounting information systems in MSMEs in Jember Regency. The research method used is qualitative with an exploratory approach. Data were collected through interviews and observations on three types of MSMEs: service, trade, and manufacturing. The results show that business scale, management support, and the level of education and training influence the successful implementation of accounting information systems. MSME actors generally recognize the benefits of digitalization in financial record-keeping, but there is a gap in understanding applicable accounting standards. Other factors, such as limited human resources and perceptions of system complexity, also pose challenges in the adoption of accounting information systems. This study recommends enhancing education and training programs for MSME actors to improve their understanding and adoption of optimal accounting systems.
FINANCIAL LITERACY VS BUY NOW PAY LATER: APAKAH GAYA HIDUP KONSUMTIF GEN Z MEMPERKUAT ATAU MEMPERLEMAH? Khoirunisa, Rizqi; Mustofa, Ahmad; Setyawan, Bimo; Kurnia, Lely Indah
Media Mahardhika Vol. 23 No. 3 (2025): May 2025
Publisher : STIE Mahardhika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/mahardika.v23i3.1313

Abstract

This study aims to analyze the influence of financial literacy on the use of Buy Now Pay Later (BNPL) services among Generation Z and examine the moderating role of a consumptive lifestyle in this relationship. The research employs a quantitative approach using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. Data were collected from 110 Generation Z respondents in Lumajang Regency who had used BNPL services through an online questionnaire. Data analysis was conducted using SmartPLS 4.0 to test the relationships between variables. The results indicate that financial literacy has a significant negative effect on BNPL usage, and a consumptive lifestyle weakens the negative impact of financial literacy on BNPL usage. The implications of these findings suggest the need for financial education strategies that focus more on controlling consumptive behavior, as well as stricter regulations on BNPL services to prevent increased debt among Generation Z.
Co-Authors -Fr, Jalal Ludin Abdillah, Paris Abdul Muktadir, Abdul Achmad Afandi, Achmad Afkarina, Alifia Nimas Afriana Santosa Agus Triono Ahmad Rafiq, Ahmad Ahmad Saifudin, Ahmad Akbar, Mohammad Hasan Akhmad Arif Kurdianto Akhmad Solihin Akhmad, Nur Al Mugito, Ngato’illah Alim, Helmy Sahirul Amalia, Riezky Amrullah, M. Januar Aries Alfian Prasetyo, Aries Alfian Azaro, Khoirin Azizah, Ana Chosiatul chosiatul azizah, ana Desyana, Cut Dja’far, Veri Hardinansyah Efendi, M. Andrian Putra Elok Dwi Vidiyastutik Fadila, Siti Nur Faisal, A. Labib Fardany Fardany, A Labib Fattah Khoirun Fiaunillah, Kultum Fitria, Syarla Fian Hidayat, Ibnu Imamurrizal, M Abda' Jannah, Amalia Hikmatul Jauhari, Moh. Khoiriyah Khoirunisa, Rizqi Khumairoh, Isna Wardhatul Kurnia Ekasari Kusmintarti, Anik Kusmintarti, Anik Lely Indah Kurnia, Lely Indah M. Syukron Maksum Mahbubah, Istiyanatul Mahmudah, Norma Maksin, Mastina Marbun, Jaminuddin Millah, Ibrahim Saiful Mohammad Nur Mohammad Nur Mohammad, Jauhari Muhammad Abu Nadlir Mutia Maharani Nadlir, Abu Nailah, Fadlilatin Natasari, Peni Sriwahyu Nazilah, Vita Rahmatun Nindy Oktoriani, Ervita Nisa, Maulidatun Nourma Ulva Kumala Devi Nur Azizah Nur Faizah, Nur Fadila Nurir Rohmah oktafia, devi rahma Palupi Ekasari, Audhita Pamungkas, Dio Tegar Praharsena, Bayu Prasetyo, Muhammad Adi Pratama, Ervito Setya Purnomo, Subekhi Hadi Q, Mareta Syamsya Ramadhani, Nofan Dwi Cahya Rikawulandari Romadhon, Ahmad Rosowulan, Titis rozaq, mutrofin Sembiring, Rinawati Setyawan, Bimo Setyawan, Noer Alif Setyowati, Irma Nurcahya Sholehah, Marwa Maratus Siswanto Soraya Soraya Supriyanto Supriyanto Verto Septiandika, Verto Vicky F Sanjaya Wahyu, Fitriana Wahyuni, Slamet Widi Winarni, Endang Yusna, Yusna Zuhri, Muh