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Berbagai Faktor yang Mempengaruhi Saving Behavior K-Pop Fans di Bandung Arsytania, Raden Arvi; Setyawan, Surya
MBIA Vol. 23 No. 3 (2024): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/p0pwq203

Abstract

K-pop fans have become one of the most loyal communities in Indonesia, purchasing anything to support their idols. Saving behavior has become a common habit among K-pop fans. This study aims to analyze whether financial literacy, subjective norms, and control influence saving behavior mediated by saving intention among K-Pop fans residing in Bandung. Primary data was collected using an online Likert scale questionnaire. The sample size was determined using probability sampling techniques based on Lemmeshow, amounting to 100 K-Pop fans. The data was analyzed using path analysis with the SPSS application. The results of this study show that subjective norms have a positive effect on saving intention, while financial literacy and locus of control do not have an impact. Saving intention influences saving behavior. Financial literacy and locus of control influence saving behavior mediated by saving intention, whereas subjective norm does not have an effect. The results of this study suggest that K-pop fans in Bandung should improve their financial literacy and pay attention to subjective norms and locus of control to foster saving intention and enhance their saving behavior.   Keywords: Financial Literacy, Subjective Norm, Locus of Control, Saving Behavior, Saving intention.   Abstrak K-Pop fans menjadi salah satu komunitas di Indonesia yang sangat loyal dengan membeli apapun untuk mendukung idolanya. Perilaku menabung menjadi salah satu kebiasaan seorang K-Pop fans. Penelitian ini memiliki tujuan untuk menganalisis apakah terdapat pengaruh financial literacy, subjective norm, dan locus of control terhadap saving behavior yang dimediasi oleh saving intention pada K-Pop fans yang berdomisili di Bandung. Pengambilan data primer menggunakan kuesioner online skala likert. Jumlah sampel ditentukan berdasarkan Lemmeshow sebanyak 100 K-Pop fans dengan teknik purposive sampling. Data dianalisis dengan menggunakan analisis jalur dengan aplikasi SPSS. Hasil dari penelitian ini yaitu subjective norm berpengaruh positif terhadap saving intention sedangkan financial literacy dan locus of control tidak mempengaruhi,  saving intention berpengaruh terhadap saving behavior, financial literacy dan locus of control mempengaruhi saving behavior yang dimediasi saving intention sedangkan subjective norm tidak. Hasil penelitian ini memiliki saran kepada K-Pop fans di Bandung untuk meningkatkan financial literacy, memperhatikan subjective norm dan locus of control untuk dapat menumbuhkan saving intention dan meningkatkan saving behavior pada mereka.   Kata kunci: Financial Literacy, Subjective Norm, Locus Of Control, Saving Behavior, Saving Intention
Perilaku Menabung Mahasiswa Berdasarkan Literasi Keuangan, Teman Sebaya, dan Uang Saku Kunardi, Elisabet Yohana; Setyawan, Surya
Jurnal Manajemen Bisnis dan Keuangan Vol 6 No 2 (2025): Oktober 2025
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v6i2.351

Abstract

The increasing use of the internet in Indonesia is driven by the convenience that technology offers in various aspects of human life. A notable phenomenon among society, particularly university students, reveals a strong tendency toward consumptive behavior in today’s digital era. When facing financial difficulties, saving becomes an essential strategy for achieving financial goals. This study aims to analyze the influence of financial literacy, peer influence, and allowance on the saving behavior of students in the Management and Accounting programs at Maranatha Christian University. The research employed a quantitative approach with a purposive sampling technique, involving 91 students as respondents. Data were analyzed using multiple linear regression with SPSS software. The findings indicate that peer influence, allowance, and financial literacy collectively affect students’ saving behavior. There is a correlation of 82.1% between saving behavior (Y) and the three factors: financial literacy (X₁), peer influence (X₂), and allowance (X₃). These results highlight that to develop healthy saving habits, students need to possess strong financial understanding, be surrounded by a supportive peer environment, and manage their allowance wisely.
Pengaruh Biaya Pendidikan, Promosi dan Citra Universitas terhadap Keputusan Mahasiswa dalam Memilih Program Studi di Seni Murni Suharso, Lea Sepvianty; Setyawan, Surya
Jurnal Pendidikan Indonesia Vol. 6 No. 3 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i3.7445

Abstract

Education costs, promotion and university image are one of the factors that can influence students' decisions in choosing a study program. This research aims to find out whether there is an influence of education costs, promotions and university image on students' decisions to choose the Fine Arts Study Program. Using quantitative methods, data was collected from 30 active student respondents in the Fine Arts Undergraduate Program. The results of the analysis show that the cost of education and the image of the university have a significant positive influence on student decisions. Meanwhile, promotion did not show a significant influence on this decision. This conclusion shows the importance of universities considering educational costs and building a good image in attracting prospective students. It is hoped that this research can provide knowledge to universities in formulating effective marketing strategies.
Peningkatan Literasi Keuangan, Efikasi Diri, dan Perilaku Kredit Berisiko melalui Workshop Smart Money Management bagi Mahasiswa Kirirom Institute of Technology, Cambodia Junita, Imelda; Malinda, Maya; Dharmasetiawan, Johannes Buntoro; Joni, Joni; , Meythi; Martusa, Riki; Setiawan, Santy; Rapina; Kuang, Tan Ming; Setyawan, Surya
Jurnal Atma Inovasia Vol. 5 No. 6 (2025)
Publisher : Lembaga Penelitian dan Pengabdian pada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/jai.v5i6.12009

Abstract

The Smart Money Management community service program was designed to improve financial literacy, self-efficacy, and reduce risky credit behavior among students at Kirirom Institute of Technology (KIT), Cambodia. In the context of students facing challenges in personal financial management due to lack of knowledge and experience, this program aims to equip them with basic knowledge of financial management through an educational and interactive approach. The implementation method includes delivering materials on the concepts of SMART Goal and Smart Money Management, as well as participatory training activities in the form of frugal living action pictures. The evaluation results showed that the financial literacy score increased from 2.37 to 2.57, and self-efficacy from 3.28 to 3.7, while the perception of risky credit behavior decreased by 0.08 points. In addition, the results of the personal assessment showed an increase in the number of students who had a high understanding of finance from 2 to 7 people. These findings indicate that the program was successful in improving participants' understanding and positive attitudes towards financial management. Thus, this program contributes to strengthening students' ability to make wise financial decisions and fostering a disciplined and independent attitude in managing their finances in the future.
Problem Identification and Business Plan of Beauty Clinics: Application of Qualitative Research Approaches Anggraini, Devanty; Sinaga, Ruth Agustina; Setyawan, Surya
Journal Research of Social Science, Economics, and Management Vol. 5 No. 4 (2025): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i4.1188

Abstract

This study aims to pinpoint the fundamental challenges encountered by a beauty clinic in Jakarta and develop an appropriate business strategy through qualitative research methods. Data were gathered via in-depth interviews with 15 participants, consisting of 10 active clients, 5 inactive clients, 3 therapists, and 1 operational manager, complemented by participatory field observations conducted over a three-month period. The findings revealed four primary issues: inconsistent service quality, weak brand identity and differentiation, inadequate digital marketing strategies, and the absence of a customer loyalty system. In response to these findings, a business plan was formulated encompassing service standardization, brand repositioning, enhanced digital marketing optimization, and the creation of customer retention programs. This research underscores the significance of employing qualitative approaches to comprehend consumer expectations and formulate experience-driven service business development strategies. The implications of this study provide practical guidance for beauty clinic managers in designing customer-centric business models and offer methodological contributions to qualitative research applications in service industry contexts.
The role of financial experience in driving investment decisions with financial knowledge as mediation variable Surya Setyawan; Kartika Imasari Tjiptodjojo
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 10 No. 2 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020243711

Abstract

The layered financial burden in one's life usually becomes a chain that is difficult to break. The decision to be able to release the chain to the next generation is by how an individual must start thinking about being able to survive in retirement without having to provide financial burdens to their descendants. One option for the generation experiencing the financial burden is to invest early. The decision to invest must be based on experience and knowledge of good and adequate finance to minimize the risks that can occur. By minimizing the risks that may occur, it is hoped that it will increase awareness in individuals to be able to have better financial planning in the future. This study aims to examine how financial experience affects investment decisions through financial knowledge. The type of research used is explanatory research with a sample of 200 respondents who are individuals who have a double financial burden or sandwich generation and live in Bandung City. The results of the path analysis show that financial experience affects investment decisions through financial knowledge. Knowledge and information about the importance of financial management from an early age so that individuals who experience a double burden can break the chain as a sandwich generation is an implication in this study.
ESG AND PROFITABILITY: THE MODERATING OF LEVERAGE IN THE INDONESIAN ENERGY SECTOR Tjandrasa, Benny Budiawan; Setyawan, Surya; Ida, Ida
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol. 9 No. 2 (2025): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v9i2.35444

Abstract

Sektor energi di Indonesia menghadapi dinamika dan tantangan kompleks seperti dampak lingkungan, kebutuhan investasi untuk infrastruktur, tekanan transisi energi, dan regulasi yang ketat. Penerapan ESG  menjadi penting sebagai salah satu strategi keberlanjutan perusahaan. Namun, belum banyak studi yang mengkaji bagaimana ESG berkontribusi terhadap profitabilitas perusahaan energi, terutama dalam interaksinya dengan struktur keuangan. Penelitian ini bertujuan untuk menganalisis pengaruh skor ESG, Debt to Equity Ratio (DER), Current Ratio (CR) terhadap profitabilitas yang diukur dengan Return on Asset (ROA) pada perusahaan sektor energi yang terdaftar di Bursa Efek Indonesia (BEI), serta peran moderasi dalam hubungan antara ESG dan ROA. Dengan pendekatan kuantitatif kausal, penelitian ini menggunakan Teknik pengambilan sampling purposive sampling dengan menggunakan lima perusahaaan sektor energi yang terdaftar sebelum tahun 2015 dan memiliki data ESG dan laporankeuangan lengkap selama periode 2015-2024. Analisis data menggunakan regresi data panel dan hasil penelitian menunjukkan bahwa Common Effect Model merupakan model yang tepat dalam penelitian ini dan hasil pengujian menunjukkan bahwa ESG, DER, dan CR berpengaruh positif signifikan terhadap profitabilitas dan leverage yang diukur dengan DER terbukti memoderasi secara negative pengaruh ESG terhadap profitabilitas. Kesimpulan dari studi ini menekankan pentingnya pengelolaan struktur modal agar implementasi ESG dapat memberikan nilai tambah optimal bagi kinerja keuangan perusahaan. Implikasi praktisnya, perusahaan energi perlu menyeimbangkan komitmen keberlanjutan dengan strategi keuangan yang sehat. Keterbatasan penelitian ini terletak pada cakupan sektor dan variabel yang digunakan, sehingga studi lanjutan disarankan untuk memperluas sektor industri dan mempertimbangkan variabel penjelas lainnya guna memperkaya pemahaman tentang dinamika ESG dan profitabilitas   The energy sector in Indonesia has a lot of complicated challenges for business, such as regulatory requirements, infrastructure investment, environmental effects, and pressures from the energy transition. Environmental, social, and governance (ESG) practices ought to be given top priority in corporate sustainability plans. The relationship between ESG and profitability, however, has not received much attention in research, especially when it comes to the role as a mediating factor in energy companies. This study analyzes the role of DER as a moderating variable of the effect of ESG on ROA, the direct effect of ESG, DER, and CR on the profitability of energy sector companies listed on the IDX. The purposive sampling technique is used in this quantitative & causal research by obtaining a sample of five energy sector companies that have published a complete financial report for the year 2015-2014, an ESG score, and were listed on the IDX before 2015. The results of the panel data regression test found that DER, CR, and ESG had a meaningful effect on profitability. This shows that the capital structure of the company should be managed to support and optimize the implementation of ESG to create added value for the company's profitability. The practical implications of this study suggest that an equilibrium should be achieved between corporate financial performance and corporate sustainability commitment. Further research should be carried out to investigate various other sectors and other variables. The main limitations of this study are the sector and the variables considered in this study.This study analyzes the role of DER as a moderating variable of the effect of ESG on ROA, the direct effect of ESG, DER, and CR on the profitability of energy sector companies listed on the IDX. The purposive sampling technique is used in this quantitative & causal research by obtaining a sample of five energy sector companies that have published a complete financial report for the year 2015-2014, an ESG score, and were listed on the IDX before 2015. The results of the panel data regression test found that DER, CR, and ESG had a meaningful effect on profitability. This shows that the capital structure of the company should be managed to support and optimize the implementation of ESG to create added value for the company's profitability. The practical implications of this study suggest that an equilibrium should be achieved between corporate financial performance and corporate sustainability commitment. Further research should be carried out to investigate various other sectors and other variables. The main limitations of this study are the sector and the variables considered in this study.
Perspektif Akademisi Jepang terhadap Perkembangan Infrastruktur Jawa Barat Tjiptodjojo, Kartika Imasari; Setyawan, Surya; Suwarno, Henky Lisan; Margaretha, Yolla; Saragih, Susanti; Debbianita, Debbianita; Meyliana, Meyliana; Kurniawan, Shelly
Jurnal Pengabdian Masyarakat Bangsa Vol. 3 No. 12 (2026): Februari
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v3i12.4144

Abstract

Kegiatan seminar internasional yang menghadirkan akademisi Jepang dan Indonesia diselenggarakan sebagai ruang dialog akademik untuk memperkaya wawasan mengenai arah penguatan pembangunan infrastruktur dan transformasi pembangunan daerah di Jawa Barat. Forum ini menjadi sarana pertukaran gagasan terkait transformasi digital, penguatan sumber daya manusia, tata kelola keberlanjutan, serta kolaborasi multipihak dalam pembangunan regional. Melalui paparan narasumber dan diskusi interaktif, kegiatan ini menghasilkan berbagai perspektif strategis yang menekankan pentingnya pendekatan sistemik dalam pembangunan, tidak hanya berfokus pada modernisasi infrastruktur fisik, tetapi juga pada penguatan kapasitas institusional, kesiapan sosial, dan pemanfaatan teknologi berbasis data. Kegiatan ini berkontribusi dalam memperluas pemahaman akademik serta mendorong diseminasi gagasan pembangunan berkelanjutan melalui dialog lintas negara.