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All Journal International Journal of Electrical and Computer Engineering Jurnal Manajemen dan Organisasi Jurnal Pendidikan Vokasi Jurnal Manajemen Bisnis Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Penelitian Pendidikan IMAGE JURNAL ILMU MANAJEMEN DAN BISNIS Tourism & Hospitality Essentials Journal Journal of Business Management Education (JBME) International Journal of Artificial Intelligence Research Asia-Pacific Management and Business Application Jurnal Bisnis dan Manajemen Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Jurnal Manajemen Indonesia Emerging Science Journal JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen JURNAL MANAJEMEN INDUSTRI DAN LOGISTIK IRJE (Indonesian Research Journal in Education) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Soshum Insentif Jurnal Bisnis dan Kewirausahaan Business Innovation and Entrepreneurship Journal Kumawula: Jurnal Pengabdian Kepada Masyarakat International Journal of Financial, Accounting, and Management Buana Ilmu Jurnal Pendidikan Manajemen Perkantoran (JPManper) International Journal of Economics Development Research (IJEDR) Ilomata International Journal of Management Jurnal Riset Bisnis dan Manajemen Jurnal Ilmu Administrasi: Media Pengembangan Ilmu dan Praktek Administrasi Jurnal Ilmiah Manajemen Kesatuan Jurnal E-Bis: Ekonomi Bisnis Jurnal Ilmiah Akuntansi Kesatuan Coopetition : Jurnal Ilmiah Manajemen Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Fokus Manajemen Bisnis Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Pasca Dharma Pengabdian Masyarakat Ilomata International Journal of Management International Journal of Business, Economics, and Social Development International Journal of Research in Community Services IJORER : International Journal of Recent Educational Research Kontigensi: Jurnal Ilmiah Manajemen Asian Management and Business Review Jurnal Ekonomi Journal Evaluation in Education (JEE) Jurnal Interkom : Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi International Journal of Science and Society (IJSOC) Educenter: Jurnal Ilmiah Pendidikan Journal of Marketing Innovation Jurnal Multidisiplin Madani (MUDIMA) Jurnal Pembelajaran, Bimbingan, dan Pengelolaan Pendidikan JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Jurnal Manajemen dan Pemasaran Jasa IICSDGs Eduvest - Journal of Universal Studies West Science Business and Management West Science Journal Economic and Entrepreneurship West Science Interdisciplinary Studies Mediator: Jurnal Komunikasi Jurnal Ilmu Administrasi: Media Pengembangan Ilmu dan Praktek Administrasi West Science Interdisciplinary Studies Jurnal Pengabdian Masyarakat Paguntaka West Science Social and Humanities Studies Jurnal Penelitian Pendidikan Indonesia EDUCENTER JURNAL PENDIDIKAN INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Ilmiah Pariwisata JIMEK Pedagogia : Jurnal Ilmiah Pendidikan
Heny Hendrayati
Universitas Pendidikan Indonesia
Religion Aerospace Engineering Arts Humanities Automotive Engineering 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 Materials Science & Nanotechnology Mathematics Neuroscience Public Health Social Sciences Transportation Other

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THE INFINITE MODEL: MOBILE PAYMENT CONTINUANCE INTENTION Yusuf, Abdul; Hurriyati, Ratih; Disman, Disman; Hendrayati, Heny; Hidayat, Yosep
Jurnal Riset Bisnis dan Manajemen Vol. 19 No. 1 (2026): February Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v19i1.36086

Abstract

This study investigates the factors influencing users' continuance intention (CI) in fintech mobile payment services, particularly in the post-COVID-19 era. With the rapid adoption of digital payment methods, the research examines key determinants such as perceived usefulness, perceived ease of use, trust, security and privacy, satisfaction, and habit. An explanatory quantitative research design was employed, analyzing data from 101 respondents. The results reveal that habit and satisfaction are the primary drivers of continuance intention, while traditional factors such as ease of use and trust become less significant in the post-adoption phase. These findings challenge established models and highlight the shift in user behavior towards habitual use and emotional satisfaction. This study contributes to the literature by offering an integrated model for understanding user retention in the fintech sector and provides practical insights for fintech providers to enhance customer engagement and foster long-term loyalty.
The Dynamics of Entrepreneurship Education in Higher Education: The Role of Family Background and Environment in Developing Entrepreneurial Skills Alfattory Rheza Syahrul; Suryana Suryana; Heny Hendrayati; Chairul Furqon
Journal Evaluation in Education (JEE) Vol 6 No 2 (2025): April
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jee.v6i2.1540

Abstract

Purpose of the Study: This study aims to investigate the influence of entrepreneurship education at the university level on the development of students’ entrepreneurial skills, with a particular focus on the potential moderating role of entrepreneurial family background. As entrepreneurship education becomes increasingly prioritized in higher education, understanding how familial entrepreneurial exposure interacts with formal education is crucial for shaping effective curricula. Methodology: Quantitative research approach was adopted, using descriptive and inferential statistical analysis. The study involved a sample of 189 university students in Padang, selected through purposive sampling. Data were collected through a validated Likert-scale questionnaire measuring students’ experiences with entrepreneurship education, entrepreneurial skills development, and family background characteristics. The analysis was conducted using SmartPLS to explore both direct and moderating effects. Main Findings: The results revealed that entrepreneurship education has a significant positive impact on students’ entrepreneurial skills development. Surprisingly, students’ entrepreneurial family background did not exert a direct influence nor moderate the relationship between education and skills acquisition. The findings emphasize that while family background may offer exposure, formal entrepreneurial training is critical for equipping students with practical and theoretical competencies. Furthermore, a supportive academic environment emerged as a key factor in enhancing students’ entrepreneurial capabilities. Novelty/Originality of this Study: This study introduces a new perspective by exploring the often-overlooked moderating role of family background in the Indonesian context. It offers empirical evidence that challenges assumptions about the primacy of family influence, reinforcing the necessity of structured entrepreneurship education to nurture future entrepreneurs in diverse socio-cultural settings.
Implementation and Effectiveness of Financial Literacy in Higher Education Institutions: A Systematic Literature Review Agus Sudono; Suryana Suryana; Heny Hendrayati; Chairul Furqon
Journal Evaluation in Education (JEE) Vol 7 No 1 (2026): January
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jee.v7i1.2187

Abstract

Purpose of the study: This study assesses the implementation and effectiveness of financial literacy education at the higher education level to inform the development of appropriate strategies for its integration in university curricula. Methodology: Through a systematic literature review using PRISMA methodology, this study investigates the implementation and effectiveness of financial education in universities and colleges. This research examined 127 peer-reviewed articles from leading international journals that were indexed in Scopus and Web of Science databases, documenting research on financial literacy in university contexts between 2015 and 2025 Main Findings: The study demonstrates that financial literacy education differs significantly among universities and has not been uniformly implemented across various academic fields. Economic, business, and finance are the primary areas of focus in financial education applications; however integration into humanities, science, engineering, etc. is minimal Novelty/Originality of this study: Higher education stakeholders and the public can find the right position on how financial literacy should be implemented at the higher education level. Based on this knowledge, universities can design effective programs and curricula related to financial literacy content in higher education.
IMPACT OF DIGITAL MARKETING ON GENERATION Z CONSUMER BEHAVIOR IN UZBEKISTAN Askarovich, Jaxongir Davronov; Hendrayati, Heny; Qudratov, Inomjon
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.273

Abstract

This study examines how digital marketing affects the consumer behavior and buying decisions of Generation Z in Uzbekistan. Using a Systematic Literature Review based on the PRISMA 2020 guidelines, peer-reviewed articles published from 2015 to 2024 were collected from Scopus, Web of Science, ScienceDirect, and Google Scholar. The review focuses on digital marketing, social media marketing, influencer marketing, and related behavioral responses among young consumers. The results show that visual and interactive online content has the strongest influence on Generation Z in Uzbekistan. Platforms like Instagram , TikTok, YouTube , and Telegram work best with short videos , content made by users , and recommendations from influencers . Young people are more likely to buy something from a brand if they trust it and believe it is real. People use social media a lot, but direct ads don't work as well as recommendations from friends and electronic word-of-mouth . Overall, digital marketing has a strong impact on the behavior of Generation Z consumers in Uzbekistan, and strategies focused on authenticity, cultural relevance, and meaningful engagement are more effective than intrusive advertising.
AI Integration in Entrepreneurship Education: A Systematic Review of the Mediating Role of Self-Efficacy Jejen Jaenal Aripin; Suryana Suryana; Heny Hendrayati; Raya Sulistyowati; Amirul Afif Muhamat; Farizki Maulana Rafliansyah; Jejen Jaenal Aripin; Suryana Suryana; Heny Hendrayati; Raya Sulistyowati; Amirul Afif Muhamat; Farizki Maulana Rafliansyah
Jurnal Pembelajaran, Bimbingan, dan Pengelolaan Pendidikan Vol. 6 No. 4 (2026)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um065.v6.i4.2026.4

Abstract

The integration of artificial intelligence (AI) in entrepreneurship education has expanded rapidly following the launch of ChatGPT however, empirical evidence regarding its effectiveness and implementation challenges remains fragmented. This study synthesizes empirical evidence on AI integration in entrepreneurship education through a systematic literature review following PRISMA 2020 guidelines. A Scopus database search yielded 186 articles, with 25 empirical studies meeting inclusion criteria. Findings reveal neural networks and generative AI as dominant technologies, with neural networks applied in nearly half of the studies and generative AI in more than a quarter. Experiential learning emerged as the most effective pedagogical approach. Entrepreneurial self-efficacy was confirmed as a key mediator between AI and entrepreneurial intention, with consistently strong path coefficients and large effect sizes across studies. AI integration consistently enhanced entrepreneurial intention, self-efficacy, and knowledge acquisition. However, a notable decline in self-perceived creativity indicates potential deskilling risk. Primary challenges include limited technical infrastructure, faculty readiness, and ethical concerns. The concentration of studies in China constrains cross-cultural generalizability. This study proposes the Integrated AI-Entrepreneurship Education Model (IAEEM) as a conceptual framework and provides practical recommendations for higher education institutions to optimize AI integration while mitigating potential risks in developing students' entrepreneurial competencies effectively.
AI Integration in Entrepreneurship Education: A Systematic Review of the Mediating Role of Self-Efficacy Jejen Jaenal Aripin; Suryana Suryana; Heny Hendrayati; Raya Sulistyowati; Amirul Afif Muhamat; Farizki Maulana Rafliansyah; Jejen Jaenal Aripin; Suryana Suryana; Heny Hendrayati; Raya Sulistyowati; Amirul Afif Muhamat; Farizki Maulana Rafliansyah
Jurnal Pembelajaran, Bimbingan, dan Pengelolaan Pendidikan Vol. 6 No. 4 (2026)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um065.v6.i4.2026.4

Abstract

The integration of artificial intelligence (AI) in entrepreneurship education has expanded rapidly following the launch of ChatGPT however, empirical evidence regarding its effectiveness and implementation challenges remains fragmented. This study synthesizes empirical evidence on AI integration in entrepreneurship education through a systematic literature review following PRISMA 2020 guidelines. A Scopus database search yielded 186 articles, with 25 empirical studies meeting inclusion criteria. Findings reveal neural networks and generative AI as dominant technologies, with neural networks applied in nearly half of the studies and generative AI in more than a quarter. Experiential learning emerged as the most effective pedagogical approach. Entrepreneurial self-efficacy was confirmed as a key mediator between AI and entrepreneurial intention, with consistently strong path coefficients and large effect sizes across studies. AI integration consistently enhanced entrepreneurial intention, self-efficacy, and knowledge acquisition. However, a notable decline in self-perceived creativity indicates potential deskilling risk. Primary challenges include limited technical infrastructure, faculty readiness, and ethical concerns. The concentration of studies in China constrains cross-cultural generalizability. This study proposes the Integrated AI-Entrepreneurship Education Model (IAEEM) as a conceptual framework and provides practical recommendations for higher education institutions to optimize AI integration while mitigating potential risks in developing students' entrepreneurial competencies effectively.
Co-Authors A, Ahmad Paris Abdul Ahmad Hafidh Nurmansyah Achmad Muhammad, Achmad Achyarsyah, Mochamad Adam Hermawan Adib Sultan, Adib Agista Nabilaharis Agus Rahayu Agus Rahayu Agus Rahayu Agus Rahayu Agus Rahayu Agus Rahayu Agus Sudono Ahmad Hudaiby Galih Kusumah Alfattory Rheza Syahrul Alwinda Manao Amirul Afif Muhamat Amirul Afif Muhamat Andrieta Shintia Dewi Anggi F, Muhamad Anna Permanasari Arie Indra Gunawan Arief Budiman Arisman, Ari Aryani, Kiki Askarovich, Jaxongir Davronov Asti Nur Aryanti Astri Wulandari Atrisia, Marchela Indah Ayuningtyas Yuli Hapsari Ayuningtyas Yuli Hapsari Azman, Heru Aulia Bambang Widjajanta, Bambang Budhi Pamungkas Gautama, Budhi Budi Harto Chaerunnisa Chaerunnisa, Chaerunnisa Chairul Furqon, Chairul Chatarina Umbul Wahyuni Christianingrum Cici Cintyawati Ciptagustia, Annisa Damayanti, Fenny Dede Kurnia Dede Kurnia, Dede Dede Nursilah, Dede Dematria Pringgabayu Depy Muhamad Pauzy Disman Disman Disman Disman, Disman Edi Suryadi Eeng Ahman, Eeng Effendy, Femmy Eka Surachman Elvira Azis Epon Ningrum Fahreza, Mohammad Fanji Wijaya Farizki Maulana Rafliansyah Farizki Maulana Rafliansyah Fauziah, Putri Wafda Femmy Effendy Femmy Effendy Ferry Arfiansyah Fitri Lestari, Fitri Fitri Novilia Fitrina Lestari Granit Agustina Hadiaty, Fifit Hari Mulyadi, Hari Hendri, Meriza Hernandi Sujono Heryana, Nono Hidayat, Yosep Hilda Monoarfa Huda, Miftakul Ika Barokah Suryaningsih Ikaputera Waspada, Ikaputera Imas Purnamasari Indra Gunawan, Ari Iqbal Rabiul Awal, Rais Istiharini . Istiqomah, Chairunnisa Iwan Kurniawan Iwan Kurniawan Iwan Setiawan Jejen Jaenal Aripin Jejen Jaenal Aripin Johan, Ahmad Juniari, Rosa Prafitri Juwanto Juwanto Kartika, Titing Koswara, Silvia Septyani Kusumah, Ahmad H.G Kusumah, Ahmad hudaiiby Galih Kusumah, Echo Perdana Laelia, Nurul Lena Lestary Leonita Siwiyanti Lili Adi Wibowo Listri Herlina Marhadi Marhadi, Marhadi Marimon, Frederic Maya Sari Megantara, Khandinar Shidik Meriza Hendri Meriza Henri Miftahuddin, S.Si.,MAB., asep Mochamad Achyarsyah Mohamad Faizal, Mohamad Mokh Adib Sultan Mokh Adib Sultan, Mokh Adib Monoarfa, Hilda Mubarok, Ramdhan Faizal Mubiar Agustin Muhamad Rafi Rayhan Muhamat, Amirul Afif Muhammad Deny, Muhammad Muhammad Fatwa F Mulyana, Yadi Munawar, Asep Munawaroh Munawaroh Nadeak, Thomas Netti Siska Nurhayati Nor Aiza Moketar Norshahidatul Hasana Ishak Novilia , Fitri Novilia, Fitri Nugraha Nugraha NUNIEK DEWI PRAMANIK Nur, Lutfi Nur, Lutfi Nurdin, Mohammad Nurihsan, Achmad Juntika Nurul Hidayah Mat Zain Nurwahyuni, Atik Oce Ridwanudin Palupi Permata Rahmi Pamuji Aminullah, Zakariya Perdana, Yoga Perengki Susanto Permata, Shintia Pinasthika, Azhyra Rana Purnomo Puspo Dewi Dirgantari Puteri Dearini Joesdienar Putit, Lennora Qudratov, Inomjon Rabiul Awal, Rais Iqbal Rahman, Shandikha Arya Yudha Rahmat, Adhitya Rahmy Karimah Syahidah Ratih Hurriyati Ratih Hurriyati Raya Sulistyowati Rena Yuliana Ridwan, Okky Rizal Rina Suprina Riske Faldesiani Riza, Noviana Rubini, Rizki Adriansyah Safitri, Wiji Salsa Satriani Setiawan Saputra, Jumadil Saputra, Yori Andes Sarah, Kania Siti Savitri, Citra Simatupang, Frido Sarita Sisda Ferlianti Siti Aisyah Siti Rahayu Abdul Aziz Sujono, Hernandi Sultan, Mokh. Surachman, Eka Suryana Suryana Suryana Suryana Suryana Suryana Suziana, Suziana Syahbudiman, Rayhan Syahidah, Rahmy Karimah Syamsu Yusuf Syamsu Yusuf, Syamsu Syifa Pramudita Faddila Teguh Sandjaya Teuku Dhani Al Ramdhani Thomas Nadeak Tia Yuliawati Tiara Asyifa Setiawan Tjutju Yuniarsih, Tjutju Ulil Hartono Vanessa Gaffar Veranita, Mira Verinita, Verinita Virginia, Reggina Wibowo, Lili Widi Prayoga Willma Fauzzia Yori Andes Saputra Yudha Rahman, Shandika Yuin, Hwang Wu Yuliana, Rena Yusuf, Abdul YUSUF, RAMAYANI Zein Bastian