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All Journal Jurnal Pemberdayaan Masyarakat Madani (JPMM) Indonesian Journal of Halal Research Review of Islamic Economics and Finance International Journal of Engagement and Empowerment (IJE2) Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Research Trend in Technology and Management Amal: Jurnal Ekonomi Syariah Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Ekopedia: Jurnal Ilmiah Ekonomi
Erika Takidah
Tazkia University College of Islamic Economics
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Medicine & Pharmacology Public Health Social Sciences Other

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LINKING FINANCIAL LITERACY LIFESTYLE AND SELF-CONTROL TO PERSONAL FINANCIAL MANAGEMENT IN HIGHER EDUCATION STUDENTS Sirait, Cornella Sari; Takidah, Erika; Sumiati, Ati
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 6 No. 2 (2025): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0602.16

Abstract

This research seeks to examine several key relationships: (1) how financial literacy affects personal financial management, (2) how lifestyle affects personal financial management, (3) how self-control affects personal financial management, and (4) how financial literacy, lifestyle, and self-control together influence personal financial management. The study adopts a quantitative research design through the use of survey methods, involving a total of 279 respondents. Data were gathered using a structured questionnaire based on a Likert scale. The analytical technique employed is multiple regression analysis. The research results show that financial literacy, lifestyle, and self-control significantly influence personal financial management, both partially and simultaneously. These results suggest that improving financial literacy, fostering a planned lifestyle, and developing self-control can help students better manage their personal finances.
PENGARUH STATUS SOSIAL EKONOMI ORANG TUA, LINGKUNGAN TEMAN SEBAYA DAN SELF-EFFICACY TERHADAP MINAT MELANJUTKAN PENDIDIKAN PADA SISWA SMK NEGERI DI JAKARTA SELATAN Fauzi, Ilham; Takidah, Erika; Indriani, Susi
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 7 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i7.1912

Abstract

Penelitian ini mengulas minat melanjutkan pendidikan pada siswa SMK. Lulusan SMK sering menjadi penyumbang pengangguran karena kurangnya keterampilan yang sesuai dengan pasar kerja dan minimnya peluang kerja. Tujuan penelitian ini adalah untuk mengetahui apakah status sosial ekonomi orang tua, lingkungan teman sebaya, dan self-efficacy berpengaruh terhadap minat melanjutkan pendidikan pada siswa SMK di Jakarta Selatan. Metode pengumpulan data dilakukan melalui angket atau kuesioner dengan sampel sebanyak 154 siswa. Analisis data menggunakan teknik statistik deskriptif, uji hipotesis, dan analisis regresi berganda. Hasil analisis menunjukkan bahwa status sosial ekonomi orang tua, lingkungan teman sebaya, dan self-efficacy secara parsial maupun simultan memiliki pengaruh positif dan signifikan terhadap minat melanjutkan pendidikan.
Pengaruh Financial Literacy, Penggunaan Investment Platform, dan Herding Behaviour Terhadap Keputusan Investasi pada Generasi Z di Jabodetabek Maharani, Mutia; Takidah, Erika; Fauzi, Achmad
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 2 (2025): Juni : Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v5i2.1152

Abstract

This study aims to determine the influence of financial literacy, use of investment platforms, and herding behaviour on investment decisions among Generation Z in Jabodetabek. The method used in this research is a quantitative approach through instrument testing, classical assumption testing, hypothesis testing, and multiple linear regression analysis using SPSS 26. The accessible population in this study consists of 255 students, with a research sample of 156 students selected using proportionate stratified random sampling. The data used in this research is primary data obtained through questionnaires distributed via Google Forms. The results of the study conclude that: (1) the financial literacy variable has a positive effect on investment decisions; (2) the use of investment platform variable has a positive effect on investment decisions; (3) the herding behaviour variable has a positive effect on investment decisions; (4) the variables financial literacy, use of investment platform, and herding behaviour have a simultaneous influence on investment decisions.
Pengaruh Literasi Keuangan, Gaya Hidup, dan Kepercayaan  Terhadap Minat Penggunaan Pinjaman Online Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta Tahun 2021 Cahayana, Gindra; Takidah, Erika; Fauzi, Achmad
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/tcprnd36

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and trust on the interest in using online loans for students of the Faculty of Economics and Business, Universitas Negeri Jakarta in 2021, using a quantitative approach with a survey method. The sample was determined through proportional random sampling, resulting in 172 student respondents, while data were collected using a questionnaire that had been tested for validity and reliability. Data analysis was preceded by classical assumption tests, including normality and linearity tests, as prerequisites for further analysis, and subsequently continued with multiple linear regression analysis. Hypothesis testing was conducted using the t-test to examine partial effects, the F-test to examine simultaneous effects, and the coefficient of determination to measure the contribution of independent variables to the dependent variable. The results indicate that financial literacy does not have a significant effect on students’ intention to use online loans, whereas lifestyle and trust have a positive and significant effect. Nevertheless, simultaneously, financial literacy, lifestyle, and trust have a significant effect on students’ intention to use online loans. These findings indicate that students’ intention is more dominantly influenced by lifestyle and the level of trust in online loan services, while financial literacy serves as a supporting factor in shaping more rational and responsible financial behavior, particularly in the context of digital financial decision-making among contemporary university students..
Strategic Model for Halal Tourism Development in Indonesia: A Preliminary Research Huda, Nurul; Rini, Nova; Muslikh, Muslikh; Hidayat, Slamet; Takidah, Erika; Sari, Dian Permata; Husniyah, Af'idatul
Indonesian Journal of Halal Research Vol. 4 No. 2 (2022): August
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v4i2.11849

Abstract

Halal tourism is one of the emerging sectors in the halal industry. The article aims to identify the main problems, solutions, and strategies for developing a model of halal tourism. The qualitative and quantitative approaches are used in this article, including in-depth interviews and expert group discussions with the community leaders, academics, culinary and travel entrepreneurs, local tourism board, hotel entrepreneurs, and tourists representing halal tourism stakeholders. The data was complemented with research questionnaires and compiled using the Analytic Network Process (ANP) method, with Super Decision as a data processing tool. The article provides empirical insights into halal tourism in Indonesia, focusing on the root cause, the outcome of solutions, and the formulation of a future development strategy. Government-related issues remain the main priority, followed by community and halal facilities entrepreneur issues (hotel, travel, and halal food). The results showed that the priority problem in developing halal tourism in Indonesia is infrastructure problems. The solution is to build adequate road infrastructure, repair damaged roads, and complete road direction to halal tourism locations in every region of Indonesia. Halal tourism goals in Indonesia can be realized by implementing a functional synergy between the government and the local community.
The Impact of Digital Media Use on Muslim Entrepreneurs' Intention to Apply for Halal Certificate: Empirical Evidence from Indonesia Ridlwan, Ahmad Ajib; Timur, Yan Putra; Ryandono, Muhammad Nafik Hadi; Takidah, Erika; Abdul Aziz, Azreen Hamiza; Juniarti, Rosa Prafitri
Indonesian Journal of Halal Research Vol. 7 No. 1 (2025): February
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v7i1.40271

Abstract

The Indonesian government is striving to encourage Muslim entrepreneurs to obtain halal certification for all products produced, imported, and sold within Indonesia. Digital media has emerged as a viable solution to enhance the convenience and practicality of Muslim entrepreneurs in applying for halal certification. This study aims to examine factors that influence Muslim entrepreneurs' halal certification applications through digital media, using the DeLone and McLean and the Unified Theory of Acceptance and Use of Technology (UTAUT) models. This quantitative study analyses 350 Indonesian Muslim entrepreneurs using partial least square structural equation modeling (PLS-SEM). Researchers obtain data using non-probability sampling approaches. The results of the study indicate that the constructs of performance expectancy (PE), effort expectancy (EE), social influence (SI), and service quality (SEQ) have a positive and significant effect on intention (INT). In addition, the facilitating condition (FC) has a positive influence on INT but is not significant. While the constructs of system quality (SYQ) and information quality (IQ) have a positive and significant effect on user satisfaction (US), the correlation of the two constructs to INT is not significant. Therefore, it can be concluded that PE, EE, and SI are the key driving factors for Muslim entrepreneurs in using digital media to apply for halal certification. According to the results, developing user-friendly features and technology systems is highly recommended. Pre- and post-submission service quality must be improved. Therefore, halal process assistance officers (PPH) are proposed to support Indonesian Muslim entrepreneurs.
Co-Authors Abdul Aziz, Azreen Hamiza Achmad Fauzi Agustin Pratama Sari, Dewi Ahmad Ajib Ridlwan Al Finsih, Muhamad Anggraini ZR, Ratna ATI SUMIATI, ATI Cahayana, Gindra Christian Wiradendi Wolor Dharmawan, Nurrahma Arif Dian Permata Sari Dicky Iranto Dilarse, Made Dayu Faradifa, Nurul Ferly Ferdyant, Ferly Firdausi Rachmadania, Rizki Hamidah . Hania Aminah, Hania Haninda, Mutiara Hermeilia Megawati Hidayat, Slamet Husniyah, Af'idatul I Gusti Ketut Agung Ulupui ILHAM FAUZI Jofarhan, Muhammad Mozalipa, Nadira Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Ikhwan Muhammad Zairin, Gentiga Mumuh Muhammad Muslikh Muslikh Mutia Maharani Nasution, Hafifah Nova Rini Nur Azizah Nur Hidayat Nuramalia Hasanah Nurul Huda Pangestuti, Dwi Pertiwi, Risa Sari Ratna Anggraini ZR, Ratna Anggraini Rosa Prafitri Juniarti Santi Susanti, Santi Saptono, Ari Sarı, Emre Selçuk Sirait, Cornella Sari Solly Aryza Sri Zulaihati, Sri Surya Aprilia, Diva Susi Indriani Umarovich, Kholdorov Sardor Unggul Purwohedi Yan Putra Timur