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All Journal Zenit Benefit: Jurnal Manajemen dan Bisnis MBIA Management Studies and Entrepreneurship Journal (MSEJ) Enrichment : Journal of Management Community Empowerment Jurnal Manajemen Bisnis dan Keuangan Jurnal Atma Inovasia Journal Research of Social Science, Economics, and Management Jurnal Pendidikan Indonesia (Japendi) Jurnal Penelitian Pendidikan Indonesia Jurnal Manajemen Maranatha
Surya Setyawan
Universitas Kristen Maranatha, Bandung, Indonesia
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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.
The role of financial experience in driving investment decisions with financial knowledge as mediation variable Setyawan, Surya; Tjiptodjojo, Kartika Imasari
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.
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.
Co-Authors , Meythi Allen Nur Saputri Anggraini, Devanty Ariesya Aprillia Arsytania, Raden Arvi Dharmasetiawan, Johannes Buntoro Elma Kania Hadi Nasbey Ida Ida Ika Gunawan Joni Joni Junita, Imelda Kartika Imasari Tjiptodjojo Kezia Kurniawati Kunardi, Elisabet Yohana Lea Sepvianty Suharso Maya Malinda Rapina Riki Martusa Robby Tan Rony Setiawan Santy Setiawan Sinaga, Ruth Agustina Suharso, Lea Sepvianty Tan Ming Kuang