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All Journal Jurnal Manajemen Bisnis Journal of Accounting and Investment Riset Akuntansi dan Keuangan Indonesia Jurnal Ilmiah Ekonomi Islam SENTRALISASI Jurnal Administrasi dan Manajemen JURNAL MANAJEMEN DAN BISNIS INDONESIA International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Akademi Akuntansi (JAA) BASKARA: Journal of Business and Entrepreneurship Community Empowerment Journal of Islamic Economic and Business Research Indonesian Journal of Business Analytics (IJBA) Media Ekonomi Master: Jurnal Manajemen dan Bisnis Terapan Prosiding University Research Colloquium PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi IIJSE Jurnal Pengabdian Kepada Masyarakat Kalam Journal of Ekonomics, Finance, and Management Studies JESH: Journal of Economics, Social, and Humanities
Naelati Tubastuvi
Universitas Muhammadiyah Purwokerto
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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Pengelolaan Ekonomi Rumah Tangga Berbasi “ILM’ Tadbir Al Manzil ” Bagi Wirausaha Perempuan Naelati Tubastuvi; Ika Yustina Rahmawati; Sulistiyani Budiningsih
Jurnal Pengabdian Kepada Masyarakat Kalam Vol. 1 No. 3 (2022): Membangun Desa dan Kampung
Publisher : Prisani Cendekia

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

Abstract

The purpose of Science and Technology for the Community is expected that members of the Aisyiyah Banyumas Regional Leadership will be able to become agents of change for women or housewives around them, by applying the concept of household economic management based on Ilm' Tadbir Al Manzil. From these insights, it is expected to be able to provide benefits and contributions to the management of family finances / assets so that assets are divided into short-, medium and long-term needs, especially to learn to invest, besides that savings measures can also be done by being disciplined in budget priorities to avoid debt bondage
Peran Literasi Keuangan Sebagai Mediasi Pada Variabel Financial Technology Dan Karakteristik UMKM Terhadap Keberlanjutan UMKM Dian Papulasih; Wida Purwidianti; Naelati Tubastuvi; Restu Frida Utami
JURNAL ADMINISTRASI & MANAJEMEN Vol 14, No 1 (2024): Jurnal Administrasi dan Manajemen
Publisher : Universitas Respati Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/jam.v14i1.3621

Abstract

Penelitian ini dilaksanakan dengan tujuan untuk menganalis pengaruh Financial Technology (fintech)  dan Karakteristik UMKM terhadap Keberlanjutan UMKM dengan Literasi Keuangan sebagai Variabel Mediasi. Metode yang digunakan adalah pendekatan kuantitatif. Penelitian ini menggunakan data primer. Pengambilan data dilakukan dengan membagikan kuisioner kepada pemilik UMKM di Kabupaten Cilacap. Metode Convinience Sampling diaplikasikan sebagai teknik pengambilan sampel dengan dengan total sampel yaitu 110 populasi. Kemudian, data responden tersebut diolah menggunakan PLS (Partial Least Squares). Peneliti menggunakan metode analisis data dengan teknik PLS pada software SmartPLS. Hal pertama yang dilakukan dalam mengolah data yaitu pengujian outer model, dilanjutkan dengan pengujian model kalayakan dari model penelitian dan diakhiri dengan pengujian hipotesis. Hasil penelitian menunjukkan bahwa financial technology berpengaruh signifikan terhadap literasi keuangan, karakteristik UMKM berpengaruh signifikan terhadap literasi keuangan, financial technology tidak berpengaruh signifikan terhadap keberlanjutan UMKM, literasi keuangan berpengaruh terhadap keberlanjutan UMKM, serta literasi keuangan mampu memediasi antara financial technology dan karakteristik UMKM terhadap keberlanjutan UMKM. Oleh karena itu, dengan adanya penggunaan fintech yang optimal, pengenalan karakteristik UMKM yang baik, serta pengetahuan mengenai keuangan yang tinggi akan berpengaruh terhadap keberlanjutan UMKM khususnya pada UMKM di Kabupaten Cilacap.
Mobile banking acceptance model for Generation Z: The role of trust, self-efficacy, and enjoyment Azmi Fitriati; Naelati Tubastuvi; Rina Mudjiyanti; Sri Wahyuni; Venus C. Ibarra
Journal of Accounting and Investment Vol. 25 No. 3: September 2024
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jai.v25i3.21639

Abstract

Research aims: This research aims to develop a model that explains m-banking acceptance behavior, especially for Generation Z, which is driven by perceptions of trust, self-efficacy, and enjoyment.Design/Methodology/Approach: The population was Generation Z as users of m-banking in Indonesia. The data collection instrument employed a questionnaire. The analysis technique used was component or variance-based Structural Equation Modeling (SEM) utilizing Partial Least Square (PLS)Research findings: The results showcased that trust, self-efficacy, and enjoyment influenced perceived usefulness and ease of use. These perceptions influenced attitudes, intentions to use, and use of m-banking. Generation Z m-banking users believe that potential risks could be resolved effectively and efficiently. They have high confidence that they will be able to overcome problems.Theoretical contribution/Originality: This research has succeeded in developing TAM by adding trust, self-efficacy, and enjoyment. Generation Z users prioritize not only ease of use but also the usability and advantages of application services. Those who have self-confidence will choose services that offer security and comfort. Applications that receive a positive response from their users will encourage their use.Research limitation/Implication: The results of previous research still contain gaps regarding the role of research variables. Therefore, it is necessary to study in more depth the m-banking acceptance model of Generation Z.
Peningkatan Nilai Perusahaan Melalui Profitabilitas, Struktur Modal, Dan Keputusan Investasi: Peran Moderasi Kepemilikan Institusional Dian Larasati; Maulida Nurul Innayah; Naelati Tubastuvi; Nawalin Nazah
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol. 17 No. 3 (2025): Special Issue
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/permana.v17i3.1332

Abstract

Penelitian ini bertujuan menganalisis pengaruh profitabilitas, struktur modal, dan keputusan investasi terhadap nilai perusahaan, dengan kepemilikan institusional sebagai variabel moderasi pada sektor healthcare yang terdaftar di Bursa Efek Indonesia peiode 2020-2024. Penelitian menggunakan pendekatan kuantitatif dengan desain kausal dan data panel tidak seimbang yang mencakup 121 observasi dari 29 perusahaan, melalui teknik purposive sampling. Analisis dilakukan menggunakan regresi data panel dan uji moderasi melalui perangkat lunak STATA 17. Hasil penelitian menunjukkan bahwa profitabilitas, struktur modal, dan keputusan investasi berpengaruh positif terhadap nilai perusahaan, dengan keputusan investasi memberikan pengaruh terbesar. Sementara itu, kepemilikan institusional tidak berpengaruh langsung terhadap nilai perusahaan. Temuan moderasi menunjukkan bahwa kepemilikan institusional memperlemah pengaruh profitabilitas dan keputusan investasi terhadap nilai perusahaan, serta tidak mampu memperkuat hubungan antara struktur modal dengan nilai perusahaan. Penelitian ini memiliki keterbatasan pada cakupan sektor yang berfokus pada industri healthcare dan pada penggunaan variabel tata kelola yang direpresentasikan oleh kepemilikan institusional. Implikasi temuan menemukan bahwa efektivitas kepemilikan institusional sebagai mekanisme monitoring tidak selalu optimal. Kebaruan penelitian terletak pada integrasi variabel keuangan dan tata kelola dalam model moderasi pada sektor healthcare.
Effect of Information Technology on Organizational Performance at Yemeni Oil Exploration–Production Company Baligh Al Haj; Naelati Tubastuvi; Dheya Alhag Alsharabi
Journal of Economics, Social, and Humanities Vol. 3 No. 2 (2025): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v3i2.328

Abstract

This research paper examines the influence of six essential information technology factors; human resource capabilities, devices and equipment, communication networks, software applications, databases, and information security on organization performance in the Yemeni Oil Exploration and Production company, a situation that is characterized by political instability and limited resources. By using the constructs of perceived usefulness and perceived ease of use of the Theory of Technology Acceptance Model, a cross-sectional survey of 202 employees, who were selected using stratified-random sampling process, was conducted. Questionnaires collected the data and were thoroughly validated and analyzed based on a descriptive analysis, classical assumption test, and multiple regression. Results show that the strongest positive short-term predictors of operational efficiency, speed of decision-making, service quality, and financial results are communication networks (β  =  0.442, p < .001), databases (β  =  0.216, p < .001), and human resource skills (β  =  0.185, p < .001). There is also a positive contribution of software (β = 0.067, p<.01) and information security (β = 0.056, p<.05) and together they explain 68.6% of the variance in performance (Adjusted R²  =  0.686) Devices and equipment, on the contrary, showed a small negative influence (β  =  – 0.078, p < .05) which shows that mere acquisition them without proper planning might not be effective. Such findings highlight the importance of ensuring strong communication infrastructures and user-focused adoption projects within resource-poor, unstable environments and provides easily applied advice on IT investment and capacity-building projects in such environments.
Determinants of Organizational Citizenship Behavior with Job Satisfaction Mediation Diana Mahmudah; Sri Wahyuni; Naelati Tubastuvi; Akhmad Darmawan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8503

Abstract

Organizational Citizenship Behavior (OCB) is voluntary behavior that supports the effectiveness of the organization. Factors that affect OCB teachers in Islamic educational institutions need to be studied to improve the quality of learning. This study aims to analyze the influence of Islamic Leadership, Work-life Balance, and Organizational Culture on Organizational Citizenship Behavior by Mediating Job Satisfaction in teachers of Islamic educational institutions. The research method uses a quantitative approach with survey design. The research population is 164 teachers with 101 teachers who are determined through purposive sampling with a minimum working period of 2 years. The analysis tool used is Partial Least Square (PLS) with a standard of alpha significance of ten percent. The results of the study show that Islamic Leadership and Organizational Culture have a significant positive effect on OCB. Organizational Culture also has a significant positive effect on Job Satisfaction, which then affects OCB. On the other hand, Islamic Leadership has no significant effect on Job Satisfaction, and Work-life Balance does not have a significant effect on Job Satisfaction or OCB. Job Satisfaction mediates the relationship between Organizational Culture and OCB. The implications of the study show that strengthening Organizational Culture is the main strategy in improving teachers' OCB, both directly and through increasing Job Satisfaction. Islamic leadership effectively encourages OCB directly.
Job Satisfaction And Performance Analysis of BTM Employees In Central Java Galih Prakoso; Suryo Budi Santoso; Naelati Tubastuvi; Sri Wahyuni
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.6696

Abstract

The aim of this study is to analyze the Islamic work ethics, motivation, compensation effect both direct and indirectly through job satisfaction to performance. The relationship between variables using the concepts in the theory of social change and Maslow's perception of basic human needs. This is quantitative research with primary data obtained from questionnaires filled out by BMT employees throughout Central Java with as many as 185 research samples. The research data were analyzed for the level of validity and reliability and then processed using the Structural Equation Model (SEM). The findings show that Islamic work ethic, motivation and compensation positively affect employee performance both direct and indirect through job satisfaction as an intervening variable. The results of this study confirm the theory of social change and Maslow's theory that socially valued activities within a company can positively increase employee performance. This research has implications for microfinance institutions to be able to implement effective strategies to improve internal performance. This research is limited to microfinance which is directly intervened by the Muhammadiyah Foundation
The Mediating Role of Financial Self-Efficacy in Financial Management Behavior Anggita Nur Reza; Naelati Tubastuvi; Herni Justiana Astuti; Maulida Nurul Innayah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11274

Abstract

College students are the agent of change who are expected to boost the country’s economy, but the consumerist and wasteful lifestyle among college students remains a real problem. This study aims to analyze the influence of financial attitude, financial literacy, and locus of control on financial management behavior with financial self-efficacy as a mediating variable among students in Purwokerto. The population in this study consisted of 9,037 active students majoring in economics and business from three universities, namely Muhammadiyah University Purwokerto, Jenderal Soedirman University, and Prof. KH. Saifuddin Zuhri State Islamic University Purwokerto. The sampling technique used the Slovin formula, which produced 170 respondents. The research approach used was quantitative with data processing techniques using SmartPLS version 3.0 through three stages, namely outer model, inner model, and bootstrapping. The results showed that financial attitude, financial literacy, and locus of control had a positive and significant effect on financial self-efficacy and financial management behavior. In addition, financial self-efficacy was also proven to positively and significantly mediate the relationship between financial attitude, financial literacy, and locus of control with financial management behavior. These findings confirm that self-confidence in financial abilities plays an important role in strengthening the relationship between attitude, literacy, and self-control in students' financial management behavior. This study implies that improving financial self-efficacy and financial literacy education should be a primary focus in shaping wise and responsible financial behavior among the younger generation
Co-Authors Akhmad Darmawan Akhmad Darmawan Aman Suyadi Anggita Nur Reza Arafah Esa Yuswandani Arienda Gitty Ramadani Arini Hidayah, Arini Astika Nurul Hidayah Baligh Al Haj Bima Cinintya Pratama Dheya Alhag Alsharabi Dian Larasati Dian Papulasih Diana Mahmudah Dwi Winarni Dyandra Viorica Ivonilenia Eko Haryanto Erna Handayani Erny Rachmawati Fatmah Bagis Febriana Hidayanti Fitriati, Azmi Galih Prakoso Hengky Widhiandono, M.Si. S.E. Herdina Indah Utami Hermin Endratno Herni Justiana Astuti Ika Yustina Rahmawati Mastur Mujib Ikhsani Maulida Nurul Innayah Mudjiyanti, Rina Muhamad Riki Muhammad Arfani Zaidan Nawalin Nazah Nina Setyasari Novi Crisnandani Purnadi Purnadi Restu Frida Utami Rhis Ogie Dewandaru Rizka Septiana Putri Selamat Widodo Sri Wahyuni Sri Wahyuni Sri Wahyuni Sulistiyani Budiningsih Suryo Budi Santoso Syaefa Intan Salsabilla Tiara Pandansari Timbang Apit Afifah Totok Haryanto Venus C. Ibarra Wida Purwidianti Wilson Candra Yudhistira Pradhipta Aryoko