Article Per Year (5 Year)
p-Index From 2021 - 2026
4.134
P-Index
This Author published in this journals
All Journal Jurnal Administrasi Negara IMAGE IJEBD (International Journal Of Entrepreneurship And Business Development) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURIKOM (Jurnal Riset Komputer) Management Studies and Entrepreneurship Journal (MSEJ) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Economics and Digital Business Review JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Ilmu Manajemen Advantage EKONOMIKA45 Setia Mengabdi: Jurnal Pengabdian Kepada Masyarakat TGO Journal of Community Development Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) Journal of Fundamental Management (JFM) Jurnal Akuntansi Innovation Business Management and Accounting Journal ABM: International Journal of Administration, Business and Management
Nur Imam Taufik
Politeknik STIA LAN Bandung
Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Social Sciences Other

Published : 32 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 32 Documents
Search

 1   2   3   4 
Educated but Still Borrowing? Financial Literacy and Perceived Ease of Use in Shaping Generation Z's Online Loan Intention in Bandung Nedia Rahma Yusandi; Nanda Ravenska; Hafid Aditya Pradesa; Nur Imam Taufik
Innovation Business Management and Accounting Journal Vol. 5 No. 2 (2026): April - June
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.v5i2.409

Abstract

The rapid digital transformation of the financial sector in Bandung City has heightened concerns regarding the proliferation of online loan applications among tech-savvy youth. This study investigates the complex behavioral mechanisms driving Generation Z's intention to use online loans by examining the dual roles of Financial Literacy and Perceived Ease of Use. Grounded in an extended Technology Acceptance Model, this research addresses critical theoretical inconsistencies in prior literature regarding whether financial knowledge universally suppresses credit adoption. Utilizing a sequential explanatory mixed-methods design, the quantitative phase gathered data from 105 self-earning Generation Z respondents through purposive sampling, analyzed via Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4. This was complemented by a qualitative phase involving in-depth interviews with four key informants to contextualize the statistical outcomes.The empirical findings reveal a striking behavioral dichotomy: Financial Literacy exerts a significant negative effect on usage intention (beta = -0.403, p = 0.043), demonstrating that robust financial knowledge functions as an internal cognitive safeguard that fosters deliberate restraint and risk awareness. Conversely, Perceived Ease of Use emerges as the strongest positive predictor (beta = 0.554, p = 0.000), indicating that frictionless platform designs and rapid disbursement actively bypass risk perception and stimulate borrowing intentions. Together, these two exogenous variables account for 25.0% of the variance in usage intention (R2 = 0.250). Qualitative insights reinforce that while literacy cultivates cautious evaluation, platform accessibility encourages impulsive adoption. To bridge the gap between cognitive restraint and technological convenience, this study introduces the strategic "CAKAP PINJOL" policy recommendation framework, designed for the Indonesian Financial Services Authority (OJK) and educational institutions to fortify digital financial literacy and ethical fintech platform governance.
Management of MSME Education and Training Programs at the Department of Cooperatives and Small Enterprises, West Java Assifa Nuradiesti; Reni Wijayanti; Nur Imam Taufik
TGO Journal of Community Development Vol. 3 No. 2 (2025): July - December
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/jcd.v3i2.406

Abstract

This study examines the administrative management of micro, small, and medium enterprise (MSME) education and training programs implemented by the Regional Technical Implementation Unit for Cooperative and Entrepreneurship Education and Training (UPTD P3W) under the Department of Cooperatives and Small Enterprises of West Java Province. The study was conducted through a five-month internship placement from August to December 2025, during which the intern participated directly in administrative activities guided by three competency units of the 2024 Indonesian National Work Competency Standard (SKKNI) for Professional Administration: preparing meeting minutes, developing training presentation materials, and assisting with the organization of institutional events. Data were collected through direct participation, documentation, and a daily activity logbook, then analyzed descriptively against each competency's performance criteria (KUK). The results show that the intern completed 101 recorded work activities, dominated by event and training-schedule coordination, particularly the province-wide Koperasi Desa Merah Putih (Red-and-White Village Cooperative, KDMP) training program that involved 217 instructors and roughly 11,000 participants across five regions of West Java. Most performance criteria were fulfilled, although meeting-minute concept approval and presentation-template standardization were not yet optimally implemented. The study concludes that administrative competencies can be effectively practiced through structured internship placements and offers recommendations to strengthen documentation systems, scheduling coordination, and task-delegation practices within the training unit.
Co-Authors Abdul Rahman Abdul Rahman Abubakar, Rodlial Ramdhan Tackbir Achmad Sodik Sudrajat Adhika Bergi Nugroho Afifa Aini Gezanti Afifah Nur Maulinda Agustina, Iin Alikha Novira Andini Risfandini Andini, Aulia Assifa Nuradiesti Athina Rahmah Ati Rahmawati Aulia Andini Caesar Octoviandy Purba Christin Angelia Christin Angelia Deddy Mulyadi Dwi Rianawati Dwi Rianawati Dwiputrianti, Septiana Endah Tri Anomsari Fernando Leonardo Hafid Aditya Pradesa Hidayah, Nur Sabrina Iin Agustina Ikhwan Fakhrudin Hidayat Iwan Kurniawan Iwan Kurniawan Iwan Kurniawan Joni Dawud Mulyadi, Deddy Nanda Ravenska Nedia Rahma Yusandi Nur Maulinda, Afifah Puspita, Gita Cahyani Reni Wijayanti Riky Rinaldy Maulana Risna Indarsyah Salsabila, Ghassani Syifa Siti Widharetno Mursalim Stephani Putri Kawidjaya Sulistianti, Intan Sunardi Sunardi Windy Febrianti