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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 Jurnal Ilmu Manajemen
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.
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
OPTIMIZING INNOVATIVE PERFORMANCE THROUGH ETHICAL LEADERSHIP, TECHNOLOGICAL INNOVATION, AND ATTITUDES TOWARD PERFORMING WELL Dafira Nadaa Septiani; Fatmah Bagis; Naelati Tubastuvi; Meydy Fauziridwan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No specialissue (2026): Vol. 10, Special Issue, 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10ispecialissue.18938

Abstract

Innovation in the healthcare sector requires hospitals to integrate ethical leadership and modern technology to improve service quality. This study aims to analyze the influence of ethical leadership and technological innovation on the innovative performance of hospital employees in Banjarnegara, and examine the role of attitudes toward good performance as a mediating variable. Innovative performance in this study is understood as the ability of employees to generate, communicate, and implement new ideas that are useful for improving work effectiveness and the quality of hospital services. Using quantitative methods with 342 respondents and PLS-SEM analysis, the study found that ethical leadership significantly influences innovative performance and attitudes toward performing well. Technological innovation does not directly influence innovative performance, but has a significant influence on attitudes toward performing well. In addition, attitudes toward performing well are proven to be the most powerful factor in driving innovative performance. This variable also mediates the relationship between ethical leadership and innovative performance, as well as the relationship between technological innovation and innovative performance. These findings indicate that innovation in healthcare does not solely depend on technology or policies, but on positive employee attitudes formed through ethical leadership and effective technological support. This study provides a practical contribution to hospital management in building an innovative work culture and improving the quality of healthcare services.
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
Integrating Occupational Stress, Social Support, and Work Family Conflict in Identifiying Employees Mental Health Problems Erina Kusuma Widyaningrum; Fatmah Bagis; Naelati Tubastuvi; Meydy Fauziridwan
Jurnal Ilmu Manajemen Vol. 16 No. 1 (2026): Jurnal Ilmu Manajemen (On Progress)
Publisher : Universitas Muhammadiyah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jim.v16i1.1510

Abstract

Worker mental health is an important issue in modern human resource management because it is influenced by work pressure, dual role demands, and the quality of social relationships in the work environment. Based on the Stress-Buffering Model, this study examines how Occupational Stress, Social Support, and Work Family Conflict interact in shaping the mental health conditions of employees at Islamic-based educational institutions. This study aims to analyze the direct influence of Occupational Stress on Mental Health Problems and examine the mediating role of Social Support and Work Family Conflict. A quantitative approach was used through SEM-PLS 3 involving 225 employees of an Islamic Educational Institution in Cilacap Regency who were selected using a purposive sampling technique. The results of the study show that Occupational Stress has a significant positive effect on mental health problems. Occupational Stress has also been shown to decrease Social Support and increase Work Family Conflict. In addition, social support has a significant negative effect on mental health problems, while Work Family Conflict has a significant positive effect. Mediation analysis shows that both act as mediating mechanisms in the relationship between Occupational Stress and Mental Health. These findings strengthen the relevance of the Stress-Buffering Model and emphasize the importance of organizational strategies that focus on strengthening Social Support and creating Work Family role balance to improve Employee Psychological Well-being.
The Mediating Role of Investment Decision Making: The Impact of Financial Literacy, Mental Budgeting, Self Control on Financial Well-Being Muhammad Ghiffary Ar Ridho Firdauz; Naelati Tubastuvi; Wida Purwidianti; Arini Hidayah
BASKARA : Journal of Business and Entrepreneurship Vol. 8 No. 2 (2026): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v8i2.29932

Abstract

This study aims to analyze the effect of financial literacy, mental budgeting, and self-control on financial well-being with investment decision making as a mediating variable. This study uses Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze data collected from a sample of 218 productive-age individuals who have invested in financial assets or real assets and reside on the island of Java. The results show that financial literacy have a positive and significant effect on financial well-being, while mental budgeting and self control do not show a significant direct on financial well-being. These findings indicate that there is evidence to support the mediator, namely investment decision making. This mediator mediates the relationship between the independent variables, namely financial literacy, mental budgeting, and self-control, and financial wellbeing. The results show that individuals with high financial literacy, good mental budgeting skills, and self-control tend to exhibit good investment decision-making behavior. As a result, this contributes to their overall financial wellbeing. In general, the theoretical implications of this study add to the existing knowledge, while the practical implications provide a useful perspective for policymakers, financial institutions, and individuals to promote their financial well-being.
Co-Authors Akhmad Darmawan Akhmad Darmawan Aman Suyadi Anggita Nur Reza Arafah Esa Yuswandani Arienda Gitty Ramadani Arini Hidayah, Arini Astika Nurul Hidayah Bima Cinintya Pratama Dafira Nadaa Septiani Dian Larasati Dian Papulasih Diana Mahmudah Dwi Winarni Dyandra Viorica Ivonilenia Eko Haryanto Erina Kusuma Widyaningrum 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 Meydy Fauziridwan Mudjiyanti, Rina Muhamad Riki Muhammad Arfani Zaidan Muhammad Ghiffary Ar Ridho Firdauz Nawalin Nazah Nina Setyasari Novi Crisnandani Purnadi Purnadi Restu Frida Utami Rhis Ogie Dewandaru Rizka Septiana Putri 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 Widodo, Selamat Wilson Candra Yudhistira Pradhipta Aryoko