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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Journal of Business and Behavioural Entrepreneurship EKONOMIS : Journal of Economics and Business Jurnal Organisasi Dan Manajemen SEIKO : Journal of Management & Business AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT JURNAL LENTERA BISNIS Journal of Enterprise and Development (JED) Journal of Global Business and Management Review Global Financial Accounting Journal Jurnal Ilmiah Manajemen Kesatuan Reswara: Jurnal Pengabdian Kepada Masyarakat Journal Economic and Strategy (JES) Majalah Ilmiah UPI YPTK Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Jurnal Info Sains : Informatika dan Sains Bima Journal : Business, Management and Accounting Journal Abdi Cendekia: Jurnal Pengabdian Masyarakat International Journal of Science and Environment Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Nanggroe: Journal Of Scholarly Service Jurnal Pengabdian Masyarakat Bangsa JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah Riwayat: Educational Journal of History and Humanities Nanggroe: Journal of Scholarly Service Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Proceeding International Pelita Bangsa Jurnal Pengabdian Sosial Journal of Management, Entrepreneurship and Tourism El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Akuntansi dan Keuangan JGEN : Jurnal Pengabdian Kepada Masyarakat Asian Journal of Management, Entrepreneurship and Social Science Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat Panggung Kebaikan : Jurnal Pengabdian Sosial Jurnal Ragam Pengabdian Jurnal Pengabdian Cendekia SEMANIS
Erna Apriani
Universitas Pelita Bangsa
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Building the "Golden Generation": Understanding the Drivers of Investment Behavior in Gen Z and Millennial Women Erna Apriani; Widiastuti; Nani Hartati; Rina Nurjanah; Abdul Latif
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025): January - April
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12662

Abstract

Purpose: This study aims to analyze the influence of financial knowledge and personality traits on the investment behavior of Gen Z and Millennial women with education level serving as a mediating variable.Method: The research employs Structural Equation Modeling (SEM) using SmartPLS software. The study sample includes Gen Z and Millennial women in Bekasi Regency. A purposive sampling technique was used, combining online and direct questionnaire distribution methods as well as interviews. A total of 100 respondents were selected for the study.Result: The findings indicate that financial knowledge does not directly impact investment behavior or education level. However, personality traits significantly influence both investment behavior and education level. Additionally, education level significantly affects investment behavior. While education level does not mediate the relationship between financial knowledge and investment behavior, it does mediate the relationship between personality traits and investment behavior.Practical Implications for Economic Growth and Development: This research underscores the importance of financial knowledge for Gen Z and Millennial women, particularly as Gen Z is poised to become the "golden generation" by 2045. By fostering sound financial management practices through financial knowledge and personality traits, individuals can effectively convert income into long-term assets through various investment instruments. This, in turn, contributes to sustainable economic development and growth.
Personality Traits and Education Level in Enhancing Financial Knowledge and Behavior of Gen Z and Millennial Women Erna Apriani; Abdul Latif; Aprilianti Aprilianti
Journal of Enterprise and Development (JED) Vol. 7 No. 3 (2025): September - December
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i3.14224

Abstract

Purpose: This study aims to analyze the impact of personality traits and education level on financial knowledge and financial management behavior among Gen Z and Millennial women, with financial technology serving as a mediating variable.Method: The data analysis method employed in this study is associative causality using a quantitative approach, specifically Structural Equation Modeling (SEM). The sample consists of Millennial and Gen Z women actively participating in the labor force in West Java. The sampling techniques include direct observation, online questionnaires, and interviews with 400 respondents.Result: The study found that personality traits and education levels significantly influence financial knowledge. Additionally, both financial knowledge and financial technology have a significant impact on financial management behavior. Financial knowledge also significantly affects financial technology, which mediates the relationship between personality, education level, and financial management behavior.Practical Implications for Economic Growth and Development: This study highlights the financial management behavior of women, particularly Gen Z and Millennials, as a sustainable demographic bonus towards 2045. Improved financial management practices, driven by personality, education level, financial knowledge, and financial technology, can convert income into long-term savings, thereby contributing to sustainable economic growth and development.Originality/Value: This study introduces a novel perspective by focusing on samples of Gen Z and Millennial women in the West Java region and by emphasizing the role of financial technology as a mediating variable in the analysis.
Financial Socialization, Perceptions of Financial Technology, and Entrepreneurial Intention among Generation Z Students: Mediating Role of Financial Inclusion Sesri Sellina; Abdul Latif; Akfika Rizky Sabilla; Erna Apriani; Lyra Aprilia Putri
Journal of Enterprise and Development (JED) Vol. 8 No. 2 (2026): May - August
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i2.15350

Abstract

Purpose: This study examines the effects of financial socialization and perceptions of financial technology on entrepreneurial intention among Generation Z university students. It also investigates whether financial inclusion mediates these relationships.Method: This study employed predictive quantitative approach using questionnaire survey and purposive sampling. The final sample comprised 200 Generation Z university students in Bekasi Regency. Data was analyzed using partial least squares structural equation modeling (PLS-SEM).Result: This research found that financial socialization has a significant direct effect on entrepreneurial intention. Financial socialization and perceptions of financial technology also significantly affect financial inclusion. However, perceptions of financial technology and financial inclusion do not significantly affect entrepreneurial intention. Furthermore, financial inclusion does not mediate the relationships between financial socialization, perceptions of financial technology, and entrepreneurial intention.Practical Implications for Economic Growth and Development: This study highlights the importance of strengthening financial socialization to foster entrepreneurial intention among Generation Z. Universities, local governments, and financial institutions should provide practical financial education programs that support entrepreneurial decision-making and expand access to financial services.Originality/Value: This study tests financial inclusion as a mediator between financial socialization, perceptions of financial technology, and entrepreneurial intention among Generation Z university students.
Pemberdayaan UMKM melalui Sistem Pembayaran Digital, Kualitas Pelayanan, dan digital Marketing Pada Agen Beras Maju Jaya Army Cahya Putra Rustamaji; Daspar Daspar; Erna Apriani; Arif Widodo Nugroho; Hafifah Aisya Putri Sabiya
Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat Vol. 3 No. 3 (2026): Juli: Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/bersama.v3i3.3441

Abstract

Maju Jaya Rice Agent located in North Cikarang is an MSME engaged in the distribution and sale of rice and basic necessities. Despite having a strategic location and wide market potential, partners still face various operational obstacles, such as the dominance of cash transactions that limit consumer flexibility, the lack of a structured Standard Operating Procedure (SOP) for services, and the lack of optimal use of digital marketing. This Community Service (PKM) activity aims to increase the capacity and competitiveness of partners' businesses through the integration of digital payment systems, improving the quality of SOP-based services, and optimizing digital marketing strategies. The implementation method is carried out offline through five stages, namely socialization, service excellence training and inventory management, technology implementation, mentoring and evaluation, and preparation of SOP guidebooks for program sustainability. The results of the activity show that partners are now able to operate non-cash transactions through QRIS and e-wallets, manage spreadsheet-based bookkeeping, consistently implement service SOPs, and utilize digital media such as WhatsApp Business, Instagram, and Google Maps/Google Business Profile. This program has a positive impact on improving operational efficiency, governance professionalism, customer service quality, and expanding partner market reach in the digital era.
Higher Education Performance: Application of the Value-Driven Business Strategy Model Pupung Purnamasari; Jamaliah Said; Abdul Latif; Erna Apriani; Fenina Berliana Putri
Jurnal Organisasi dan Manajemen Vol. 21 No. 2 (2025)
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jom.v21i2.11545.2025

Abstract

Purpose – The research aims to determine the role and new findings from the internal and external environments in the value-driven business strategy model on university performance, with the partnership dimension as a mediating variable.  Methodology – The research method uses a causality quantitative approach, with a purposive sampling technique of 125 respondents who are position holders at universities in West Java. The research data analysis technique uses Structural Equation Modeling (SEM) with SmartPLS software. Findings – The results of the study provide findings that the external environment and internal environment have a significant effect on value-driven business strategy. Partnership does not affect college performance, so value-driven business strategy significantly affects partnership. Value-driven business strategy significantly affects college performance; in the mediation dimension, the partnership does not mediate the relationship between value-driven business strategy and college performance. Value-driven business strategy does not mediate the relationship between the external environment and college performance. Finally, a value-driven business strategy can mediate the relationship between the internal environment and college performance. Originality – This study extends the Value-Driven Business Strategy Theory by adding new variables: the external and internal environments on the performance of higher Education institutions through value-based strategies, and a mediating variable, partnership, that connects value-based strategy to the performance of higher Education institutions. The external and internal environments are among the factors in improving the performance of higher Education institutions, and partnership is considered an important variable in value-based business strategies.
Co-Authors Abdillah Dimas Pratama Abdul Fahri Hoerudin Abdul Latif Abdul Latif Abdul Latif Adibah Yahya Adibah Yahya Akfika Rizky Sabilla Akfika Rizky Sabilla Akfika Rizky Sabilla Akfika Rizky Sabilla Akfika Rizky Sabilla Aprilianti Aprilianti Aprilianti Aprilianti Aprilianti Army Cahya Putra Rustamaji Aura Puspaningrum Azzahra, Naoera Aliya Daspar Daspar Defitri, Astrian Hessy Dewi Rahmawati Cahyaningrum Dian Rachmawati Afandi Dian Rachmawati Afandi Dimas Sheva Alfareza Dina Faradilla Dwi Epty Hidayaty Elisabet Natalia Sinaga Elsa Mahardika Erin Soleha Etty Zuliawati Zed Etty Zuliawati Zed Fachrial Banyu Asmoro Fachrial Banyu Asmoro Faradilla, Dina Fatimah Fatimah Fenina Berliana Putri Fenina Berliana Putri Fenina Berliana Putri Gina Asri Ruwaida Hafifah Aisya Putri Sabiya Hana Silvia Dwi Putri Hasna Muthmainnah Hasna Nur Alifah Hasna Nur Alifah Hidayah, Alifah Putri Hidayah, Zulfa Zakiatul Indra Permana Indra Permana Indra Permana Indra Permana Indra Permana Indra Permana, Indra Isarianto Isarianto Isarianto, Isarianto Jamaliah Said Karunia, Putra Kesha Meiva Mandala Keysha Saidina Lisa Aprilia Lyra Aprilia Putri Mariyatul Qibthiyah Maulina Dyah Permatasari Muhamad Novreysa Muhamad Syahwildan Najwa Az-Zahro Nani Hartati Nining Yurista Prawitasari Nining Yurista Prawitasari Nining Yurista Prawitasari, S.H.,M.H. Nugroho, Arif Widodo Nurjanah, Rina Nurul Annisa Pebiola Pebiola Perdana, Muhammad Aditya Permatasari, Maulina Dyah Pupung Purnamasari Pupung Purnamasari Rad Cloud Dirgantoro Kesumojati Ridwan R, Ridwan Rika Ramana Putri Rina Nurjanah Rizka Estisia Pratiwi Sabilla, Akfika Rizky Sayudi, Akbar Sesri Sellina Siswahyudianto Sopiyan Sopiyan Sunita Dasman Syaefulumam, Fahmi Tsabitah, Sahlaa Vetra Venesia Aditya W, Wiyarno Widiastuti Widiastuti WIDIASTUTI - Widiastuti Widiastuti Widiawati Widiawati Wiyarno Wiyarno Wiyarno W Wiyarno, Wiyarno Yahya, Adibah Zahra, Alfia Zulfa Zakiatul Hidayah Zulfa Zakiatul Hidayah