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All Journal PROSIDING SEMINAR NASIONAL SEGMEN Jurnal Manajemen dan Bisnis Jurnal Keuangan dan Perbankan Benefit: Jurnal Manajemen dan Bisnis DERIVATIF Daya Saing : Jurnal Ilmu Manajemen Jurnal Penelitian IPTEKS JURNAL MANAJEMEN DAN BISNIS INDONESIA BALANCE: Economic, Business, Management and Accounting Journal Jurnal Proaksi Majalah Ilmiah Warta Dharmawangsa Review of Management and Entrepreneurship Jurnal Pengabdian Masyarakat IPTEKS BUDGETING : Journal of Business, Management and Accounting Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Ilomata International Journal of Management Dynamic Management Journal Jurnal Manajemen DIVERSIFIKASI Jurnal Ekonomi dan Bisnis GROWTH (JEBG) Borobudur Management Review Jurnal Comparative : Ekonomi Dan Bisnis Jurnal Manajemen, Akuntansi, Ekonomi National Multidisciplinary Sciences Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) Manajemen : Jurnal Ekonomi IECON: International Economics and Business Conference Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi Ulil Albab Jurnal Pengabdian Masyarakat Manage International Journal of Education Management and Religion eJEBA JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Ilmiah Manajemen Dan Kewirausahaan Jurnal Simki Economic Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Jurnal Sains Manajemen dan Bisnis Indonesia Optimal: Jurnal Ekonomi dan Manajemen
Maheni Ika Sari
Universitas Muhammadiyah Jember
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Literasi Keuangan, Inklusi Keuangan dan Financial Technology terhadap Perilaku Keuangan Mahasiswa di Kabupaten Bondowoso Eda; Eko Budi Satoto; Maheni Ika Sari
Jurnal Ekonomi, Akutansi dan Organisasi Vol. 4 No. 1 (2026): Edisi Bulan Agustus
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Rendahnya kemampuan mahasiswa dalam mengelola keuangan secara bijak di tengah perkembangan teknologi keuangan digital yang semakin pesat menjadi salah faktor pengaruh dalam pengendalian dan pembentukan mahasiswa terhadap pengelolaan keuangan. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, inklusi keuangan, dan financial technology terhadap perilaku keuangan mahasiswa di kabupaten bondowoso. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini adalah mahasiswa perguruan tinggi di Kabupaten Bondowoso. Teknik pengambilan sampel menggunakan purposive sampling dengan jumlah responden sebanyak 387 mahasiswa. Metode pengumpulan data dilakukan melalui penyebaran kuesioner. Teknik analisis data yang digunakan meliputi uji instrumen penelitian, uji asumsi klasik, analisis regresi linear berganda, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa. Inklusi keuangan juga berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa. Selain itu, financial technology berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa. Variabel yang memiliki pengaruh paling dominan terhadap perilaku keuangan mahasiswa adalah literasi keuangan. Hasil penelitian ini menunjukkan bahwa semakin baik tingkat literasi keuangan, inklusi keuangan, dan pemanfaatan financial technology, maka semakin baik pula perilaku keuangan mahasiswa di Kabupaten Bondowoso.
Comparative Study of Artificial Intelligence (AI) Utilization in Digital Marketing Strategies Between Developed and Developing Countries: A Systematic Literature Review Muhammad Umam Mubarok; Maheni Ika Sari; Yohanes Gunawan Wibowo; Raisun Mathew
Ilomata International Journal of Management Vol. 6 No. 1 (2025): January 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i1.1534

Abstract

Artificial Intelligence (AI) has become crucial in digital marketing strategies in the rapidly advancing digital era. Developed and developing countries exhibit significant differences in adopting and implementing this technology, influenced by infrastructure readiness, human resources, and policy support. This study aims to compare the use of AI in digital marketing strategies between developed and developing countries to understand each group's challenges and opportunities. The research employs a Systematic Literature Review (SLR) method by analyzing 50 articles from leading databases such as Scopus, Springer, and IEEE Xplore. The analyzed articles were selected based on inclusion criteria, including relevance to the topic, publication year (2018-2024), and full accessibility. Data were analyzed through thematic synthesis to identify patterns, trends, and gaps in AI adoption between the two groups of countries. NVivo and VOSviewer are used as analytical tools to facilitate data analysis. The findings reveal that developed countries leverage AI for content personalization, predictive analytics, and marketing automation, supported by advanced digital infrastructure. Meanwhile, developing countries still face various obstacles, such as limited infrastructure and digital literacy. The implications of this study highlight the need for more significant investment in technological infrastructure in developing countries and the importance of global collaboration to accelerate equitable AI adoption. This research also provides recommendations for policymakers and business practitioners to optimize AI utilization in digital marketing strategies across different contexts.
Perilaku Manajemen Keuangan Pedagang Perempuan di Pasar Kalisat Kabupaten Jember Serli Vebriana Safira; Retno Indah Supeni; Maheni Ika Sari
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i3.12930

Abstract

The phenomenon that occurs to female traders in the Kalisat market is financial knowledge where traders in the Kalisat market do not understand how to manage finances properly even though the proceeds from their sales are set aside to be saved every day. The researcher intends to measure the financial management behavior of female traders in the Kalisat market, Jember district by raising variables regarding financial management which refer to financial knowledge, income, financial attitude, personality and financial management behavior. The data obtained by distributing questionnaires through the Google Form. The population measurement was conducted by interviewing the head of the market management and the results obtained were 1,520 female traders. The sampling technique used the Slovin formula and the results obtained were 320 respondents with the criteria of being female, aged over 17 years and trading for more than 5 years. The method is a quantitative approach with multiple linear regression tests. The results of the study stated that the financial management behavior of female traders in the Kalisat market in Jember district was positively and significantly influenced by the variables of financial knowledge, income, financial attitudes, and personality.
Pengaruh Literasi Keuangan, Gaya Hidup dan Kontrol Diri terhadap Perilaku Konsumtif Mahasiswa Universitas Muhammadiyah Jember Lianatus Sholikah; Retno Endah Supeni; Maheni Ika Sari
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 6 No. 3 (2026): September: OPTIMAL: Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v6i3.12526

Abstract

This research is motivated by the phenomenon of information technology development and digital evolution that alter public consumption habits, particularly in the student transition phase which is vulnerable to wasteful lifestyles within the university environment. The objective of this study is to empirically examine the influence of financial literacy, lifestyle, and self-control on the consumptive behavior of students at Universitas Muhammadiyah Jember. The research method used is a quantitative approach with causal associative research type. The target population in this study was 5,638 students with a minimum sample size of 374 respondents determined through the Slovin formula and selected using a proportionate random sampling technique. Primary data were collected via a Likert-scale questionnaire and analyzed using multiple linear regression. The research findings indicate that partially, financial literacy, lifestyle, and self-control each have a significant and positive influence on student consumptive behavior. The coefficient of determination (R2) value shows that the three independent variables simultaneously explain 43.8% of the variation in consumptive behavior, while the remaining 56.2% is explained by other variables outside the model. The implication of this study suggests that good financial understanding and self-control do not necessarily suppress spending, but are rather utilized as strategic capabilities to plan consumption rationally amidst modern lifestyle demands and massive digital transactions. Consequently, students are expected to remain prudent in weighing urgency before transacting to maintain future financial stability.
Co-Authors Achmad Hasan Hafidzi Agus Irawan Agus Yulianti, Yulas Ahmad Baiquni Ahmad Fatoni, Setio Ahmad Hasan Hafidzi Ahmad Izzuddin Ahmad Izzuddin Aidah Zaqiah Aini, Terawati Isro’ Ainun N, Fardhotun Alfi Arif Ana Mufida Ana Mufida Ana Mufidah Andrean, Mohammad Ongky Aqnes Devita Efendy Arrahhma Elian Tania Bayu Wijayantini, Bayu Cahyo, Bayu Dwi Devi Lestari Dewi Sri Wahyuni Dian Asih Budiarti Dimas Herliandis Shodiqin Eda Efiatul Himmah Ega Afri Wulandari Eko Budi Satoto Fadhilah, Ikrimah Nur Fardela, Yusfi Nila Fefi Nurdiana Wijayanti Feti Fatimah Fina Pratna Paramita Fitra Nahar Rizky Haris Hermawan Haris Hermawan, Haris Himmah, Efiatul Holiseh Holiseh Ikrimah Nur Fadhilah Imeilda Intan Syafrilillah Ira Puspita Dewi S Irianti, Lutvia Ragilta Jekti Rahayu Juhari Juhari Kuncoro, Muh Alfan Lailatul Rosaida Lianatus Sholikah M. Alfian Muzammil Ma’nunah, Zauharotul Masluhah S, Masluhah S Mathew, Raisun Mela Rosalina Mochtar Luthfi Effendy Mohammad Fathul Muin Mubarok, Muhammad Umam Muhammad Al Baihaqi Muhammad Edo Fiorentino Muhammad Umam Mubarok Muzaki Ahmad Dayan Muzammil, M. Alfian Nely Supeni Nely Supeni Ningtias, Kiki Arista Wahyu Nita Herlina Novita Dwi Susanti Nurul Qomariah Oktaviani, Nadia P.A.N, Febriyan Paramita, Fina Pratna Prabatwati, Titis Alvita Pramesti, Cindy Pratama, Rizky Anggi Rahayu, Jekti Raisun Mathew Rajasa, Ilham Surya Rendy Mirwan Aspirandi Retno Endah Supeni Retno Indah Supeni Reza Vannes Fahlevy Ririn Windari Rosalina, Mela Rusdiyanto Rusdiyanto Rusdiyanto Rusdiyanto, Rusdiyanto Safira, Serli Vebriana Saiful Hoji Salsa Irine Chatrine Sari, Nur Ita Septy Holisa Umamy Serli Vebriana Safira Siti Naisyah Suharto, Akhamd Suharto, Akhmad Sutrisno, Mashluhah Tatit Diansari Reskiputri Tina Destiana Trias Setyowati Trias Setyowati, Trias Wahyu Eko Setianingsih Wenny Murtalining Tyas Winahyu, Pawestri Winaldha Ninda Rossytania Windiawati, Windiawati Yanik Rinata Yesita Karel Yohanes Gunawan Wibowo Yoni Setiawan Yunitasari, Silvia Yusron Rozaid Yusron Rozzaid