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All Journal Jurnal Ekonomi Pembangunan Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Jurnal Manajemen Bisnis Journal of Accounting and Investment Riset Akuntansi dan Keuangan Indonesia Jurnal Ilmiah Ekonomi Islam Agregat: Jurnal Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) Management and Economics Journal (MEC-J) SENTRALISASI Owner : Riset dan Jurnal Akuntansi Jurnal Administrasi dan Manajemen JURNAL MANAJEMEN DAN BISNIS INDONESIA Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah 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 Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Ilmu Manajemen Advantage Indonesian Journal of Business Analytics (IJBA) Journal of Management and Digital Business Pattimura Proceeding : Conference of Science and Technology Media Ekonomi Master: Jurnal Manajemen dan Bisnis Terapan Prosiding University Research Colloquium International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Paradoks : Jurnal Ilmu Ekonomi IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Pengabdian Kepada Masyarakat Kalam Jurnal Ilmu Manajemen JESH: Journal of Economics, Social, and Humanities
Naelati Tubastuvi
Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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Understanding Gen Z’s Financial Management Behavior: The Mediating Role of Financial Self-Efficacy Aprilita Tri Amelika; Naelati Tubastuvi; Suyoto; Ika Yustina Rahmawati
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2033

Abstract

This study aims to analyze the mediating role of financial self-efficacy in the relationship between financial literacy, financial attitude, and lifestyle on financial management behavior of Generation Z in Purbalingga, Indonesia. A quantitative approach was used with primary data collection through a 5-point Likert-scale questionnaire, involving 226 respondents selected through purposive sampling. Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS version 4 software. The results of this study indicate that financial literacy, financial attitude, and lifestyle have a positive and significant effect on financial self-efficacy (p < 0.05). Furthermore, financial literacy, financial attitude, lifestyle, and financial self-efficacy have a positive and significant effect on financial management behavior (p < 0.05). The model's explanatory power is considered moderate, as reflected by the adjusted R2 values of 0.715 for financial management behavior and 0.518 for financial self-efficacy. Indirect analysis shows that financial self-efficacy mediates the influence of financial literacy, financial attitude, and lifestyle on financial management behavior. These findings contribute to the development of financial management behavior literature by emphasizing the importance of financial self-efficacy as a psychological mechanism that bridges the influence of financial factors and lifestyle on financial management behavior. Future research is recommended to explore other psychological or contextual factors that may influence financial management behavior.
PENGARUH SHOOPING LIFESTYLE, PRICE DISCOUNT, DAN GAMIFICATION TERHADAP IMPULSE BUYING DENGAN POSITIVE EMOTION SEBAGAI VARIABEL MEDIASI: STUDI PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH PURWOKERTO Naela Aziizahtur Rif'aa; Totok Haryanto; Naelati Tubastuvi; Arini Hidayah
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/rq54vv75

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh shopping lifestyle, price discount, dan gamification terhadap impulse buying dengan positive emotion sebagai variabel mediasi pada konsumen Tiktok shop. Tempat penelitian dilakukan di Universitas Muhammadiyah Purwokerto dengan populasi 22.493 mahasiswa. Metode yang digunakan yaitu kuantitatif dengan teknik sampling yang digunakan yaitu proportional sampling dan purposive sampling dengan 130 responden. Alat yang digunakan pada penelitian yaitu SEM-PLS untuk menguji keterkaitan antar variabel.  Hasil penelitian menunjukkan bahwa ketiga variabel independen tidak berpengaruh terhadap impulse buying sedangkan positive emotion berpengaruh terhadap impulse buying. Shopping lifestyle tidak berpengaruh terhadap positive emotion, sedangkan price discount dan gamification berpengaruh terhadap positive emotion. Positive emotion juga mampu memediasi price discount dan gamification terhadap impulse buying, tetapi tidak dengan shopping lifestyle. Implikasi penelitian ini diharapkan menjadi acuan e-commerce untuk merancang startegi promosi dan pengalaman belanja bagi konsumen.
Religiosity, Attitudes, and Financial Literacy as Predictors of Saving Behavior: The Mediating Role of Saving Intention among Muslim Young Generation Siti Kholifah; Maulida Nurul Innayah; Naelati Tubastuvi; Nawalin Nazah
Jurnal Ekonomi Pembangunan Vol. 23 No. 02 (2025): Jurnal Ekonomi Pembangunan
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jep.v23i02.43045

Abstract

This study aims to examine the influence of religiosity, attitude towards saving, and financial literacy on saving behaviour, with saving intention as a mediating variable among Muslim Generation Z in Banyumas Regency. Using a quantitative approach with purposive sampling, data were collected from 139 respondents and analysed using SEM-PLS in SmartPLS 4.0. The results show that attitude towards saving has a significant positive effect, both directly and indirectly through saving intention, on saving behaviour, while religiosity and financial literacy do not demonstrate significant effects. These findings suggest that psychological factors, specifically attitudes and intentions, play a more substantial role in shaping saving behaviour than religious values or financial knowledge. The study concludes that strengthening positive attitudes toward saving is essential for improving financial behaviour among young Muslims. However, the generalizability of the results remains limited due to the narrow geographical scope of the sample.
The Role of Financial Literacy in Mediating Overconfidence, Representativeness, Anchoring, and Availability Bias on Investment Decisions Viana Khoerunnisa; Ika Yustina Rahmawati; Naelati Tubastuvi; Alfato Yusnar Kharismasyah
MEC-J (Management and Economics Journal) Vol 10, No 2 (2026)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v10i2.44913

Abstract

This study aimed to investigate the relationship between heuristic behavioral biases and investment decision-making among Generation Z in Banyumas Regency, based on Behavioral Finance Theory and Heuristic Behaviour Theory, using financial literacy as a mediator in the decision-making process. The methods used in this study are quantitative, employing purposive sampling techniques with data from Generation Z in Banyumas who invest in financial and real assets, comprising 282 respondents aged 18-29 years. Data were collected via a questionnaire and analyzed using the SmartPLS method to test the relationship among variables in the research model, as measured through questionnaire indicators. The results showed that availability has a significant positive direct effect on investment decisions; overconfidence and availability have significant positive effects mediated by financial literacy; whereas representativeness does not have a significant effect on investment decisions, either directly or indirectly. A key finding of this study is that financial literacy partially mediates heuristic behavior regarding investment decisions. The results of this study indicated that the higher a person’s financial literacy, the more rational they will be in making investment decisions to achieve returns on their investments.
Analysis of Financial Performance on Stock Prices with Dividend Policy as a Moderation Factor Gladisya Zafira Azzahra; Naelati Tubastuvi; Wida Purwidianti; Alfato Yusnar Kharismasyah
Agregat: Jurnal Ekonomi dan Bisnis Vol. 10 No. 2 (2026)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol10.i2/21791

Abstract

This study aimed to analyze the effects of ROE, CR, DER, and TATO on stock prices, with dividend policy as a moderating variable, in consumer non-cyclical companies listed on the Indonesia Stock Exchange during 2021–2024. The sample was determined using a purposive sampling approach. Out of 131 listed firms, 33 companies met the criteria, yielding 132 firm-year observations.  A quantitative approach was applied through panel data regression using STATA 17. The results show that ROE, CR, and TATO have no effect, while DER has a positive effect on stock prices. DPR does not moderate the effects of ROE, CR, and TATO, but weakens the effect of DER. These findings indicate that investors pay more attention to capital structure than to other financial ratios and dividend policy in making investment decisions. Future research is recommended to include additional variables and expand the research period and sectors to obtain more comprehensive results
Digital Leadership and Employee Digital Performance: The Mediating Roles of High Involvement Human Resource Practices and Dynamic Capability Rafanjamalala Benjamine Andreas; Naelati Tubastuvi; Suryo Budi Santoso; Bima Cinintya Pratama
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5712

Abstract

Digital transformation has become a strategic priority for higher education institutions seeking to improve organizational effectiveness and employee performance. However, previous studies have largely examined digital leadership, HRM practices, and employee capability separately, providing limited understanding of how digital leadership improves employee digital performance. Therefore, this study investigates the indirect effect of digital leadership on employee digital performance through High-Involvement Human Resource Management Practices (HI-HRMP) and employee dynamic capability. This study draws on the Resource Based View Theory (RBV), and Dynamic Capability Theory (DCT) to suggest that digital leadership has a positive effect on the adaptive capabilities of employees, organizational HR practices, and outcomes of digital work. The data were obtained from 205 academic and administrative staff in one private university in Indonesia through questionnaires (online and paper), and further analyzed using Partial Least Squares Structural Equation Modeling. The findings reveal that digital leadership does not directly influence employee digital performance. Instead, its effect occurs indirectly through HI-HRMP and employee dynamic capability. This study contributes to the digital leadership literature by explaining the organizational and individual mechanisms linking leadership and digital performance in higher education institutions.
The Influence of Internal Locus of Control, Spiritual Intelligence, Financial Literacy, and Lifestyle on Personal Financial Management Behavior Risma Fauzah; Ika Yustina Rahmawati; Naelati Tubastuvi; Alfalisyado Alfalisyado
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 16 No. 1 (2026): March 2026
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/wiga.v16i1.1488

Abstract

This study aims to analyze the effects of internal locus of control, spiritual intelligence, financial literacy, and lifestyle on students' personal financial management behaviour in Purwokerto. The population consisted of active students at Universitas Muhammadiyah Purwokerto, Universitas Islam Negeri Saifuddin Zuhri, and Universitas Jenderal Soedirman. The research sample was selected using proportional random sampling. The data used is quantitative data gathered through a Google Forms-based questionnaire, which was distributed to students through social media. This study involved 100 respondents, whose number was determined with the use of the Slovin formula. Data analysis was conducted using SmartPLS 3 to identify relationships among variables. Measurement model testing through Outer Loading, Discriminant Validity, Construct Reliability and Validity, R Square, and then continued with hypothesis testing. The analysis results revealed that internal locus of control, financial literacy, and lifestyle significantly affect personal financial management behaviour, while spiritual intelligence does not show an effect that is significant effect on personal financial management behaviour. The findings provide a new perspective on the influencing factors for students’ financial decisions and deepen our understanding regarding the aspects that affect their financial management behaviour.
Factors Affecting Financial Behavior of Micro, Small and Medium Enterprises (MSMEs): The Role of Financial Inclusion, Financial Literacy and Financial Technology Farinda Hauna Azizah; Maulida Nurul Innayah; Naelati Tubastuvi; Yudhistira Pradhipta Aryoko
Jurnal Ilmu Manajemen Advantage Vol. 8 No. 2 (2024): December 2024
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/adv.v8i2.1333

Abstract

The research examines the factors that influence the financial behaviour of micro, small and medium-sized enterprises (MSMEs), focusing on the roles of financial inclusion, financial literacy, and financial technology, framed within the Theory of Planned Behavior. The population for this research consisted of 89,553 MSME players, with a sampling technique utilizing the Slovin formula to achieve a sample size of 142 respondents. Using a mixed-methods approach, the research combines quantitative surveys of MSME owners. The findings reveal that financial inclusion significantly enhances access to credit and financial services, thereby improving the financial behavior of MSMEs. Additionally, higher levels of financial literacy correlate with better financial management practices, leading to increased profitability and sustainability. The study also highlights the transformative impact of financial technology, which facilitates easier access to financial resources and enhances operational efficiency. The results indicate that financial inclusion, financial literacy, and financial technology have a positive and significant effect on the financial behavior of MSMEs. This suggests that targeted interventions in these areas could foster greater economic resilience and growth within this vital sector.
Co-Authors Afifah Akhmad Darmawan Akhmad Darmawan Alfalisyado Alfalisyado Alfato Yusnar Kharismasyah Alfato Yusnar Kharismasyah Aman Suyadi Amir Amir Ana Dwi Setyaning Anggita Nur Reza Aprilita Tri Amelika Arafah Esa Yuswandani Arienda Gitty Ramadani Arini Hidayah, Arini Astika Nurul Hidayah Baligh Al Haj Bima Cinintya Pratama Bisma Anjala Sutra Dafira Nadaa Septiani Dheya Alhag Alsharabi Dian Larasati Dian Papulasih Diana Mahmudah Dwi Winarni Dyandra Viorica Ivonilenia Eko Haryanto Erina Kusuma Widyaningrum Erna Handayani Erny Rachmawati Farinda Hauna Azizah Fatimah Fatmah Bagis Febriana Hidayanti Fitriati, Azmi Galih Prakoso Gladisya Zafira Azzahra Hengky Widhiandono, M.Si. S.E. Herdina Indah Utami Hermin Endratno Herni Justiana Astuti Herni Justiana Astuti Ika Yustina Rahmawati Ika Yustina Rahmawati Lelly Kartika Sari Maria Hashmi Mastur Mujib Ikhsani Maulida Nurul Innayah Meydy Fauziridwan Mudjiyanti, Rina Muhamad Riki Muhammad Arfani Zaidan Muhammad Ghiffary Ar Ridho Firdauz Naela Aziizahtur Rif'aa Nawalin Nazah Nina Setyasari Novi Crisnandani Purnadi Purnadi Rafanjamalala Benjamine Andreas Restu Frida Utami Rhis Ogie Dewandaru Risma Fauzah Rizka Septiana Putri Samar T.M. Al Haj Siti Kholifah Sri Wahyuni Sri Wahyuni Sri Wahyuni Sulistiyani Budiningsih Suryo Budi Santoso Suryo Budi Santoso Suyoto Suyoto Syaefa Intan Salsabilla Syarila Asri Febiani Tiara Pandansari Timbang Apit Afifah Totok Haryanto Venus C. Ibarra Viana Khoerunnisa Wida Purwidianti Widodo, Selamat Wilson Candra Yudhistira Pradhipta Aryoko Zulfa Suhailah