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All Journal MIX : Jurnal Ilmiah Manajemen Jurnal Pendidikan Ilmu Sosial Soedirman Economics Education Journal Jurnal Inovasi dan Teknologi Pembelajaran (JINOTEP) Kajian dan Riset Dalam Teknologi Pembelajaran JPEKBM (Jurnal Pendidikan Ekonomi, Kewirausahaan, Bisnis dan Manajemen) Journal of Innovation in Educational and Cultural Research Jurnal Bisnis dan Manajemen (JBM) Jurnal Terapan Ilmu Manajemen dan Bisnis (JTIMB) Economos : Jurnal Ekonomi dan Bisnis Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Geosfera Indonesia Balance: Jurnal Ekonomi
Mukhamad Zulianto
Prodi Magister Pendidikan Ekonomi, Pascasarjana, FKIP-UNS
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Analysis of QRIS Payment System and Financial Literacy on Consumptive Behavior Among Students Efriyanto, Efriyanto; Nurcahyani, Nurcahyani; Harnovinsah, Harnovinsah; Permana, Erwin; Zulianto, Mukhamad
MIX: JURNAL ILMIAH MANAJEMEN Vol 15, No 1 (2025): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2025.v15i1.013

Abstract

Objectives: This study aims to investigate the effect of the QRIS payment system and the level of financial literacy on consumer behavior among students in Depok City.Methodology: The research method applied is quantitative with primary data collection through online questionnaires distributed using Google Forms, involving 125 students from the Accounting Department of the Jakarta State Polytechnic who live in Depok City. The collected data has been verified to ensure its validity and reliability, and analyzed using SPSS 29 statistical software,Finding: The results of the study show that both the QRIS payment system and financial literacy have a positive and significant effect on consumer behavior of students in Depok City. These variables can explain about 49.6% of the variation in observed consumer behavior, while the remainder, about 50.4%, is assumed to be influenced by other factors not included in this research model. Consumers with higher financial literacy tend to make better financial decisionsConclusion: This research suggest that business actors provide QRIS facilities for financial transactions, especially among students. For optimal results, financial literacy strengthening activities must also be carried out.
School-Based Disaster Education Model in Lumajang, Indonesia Yushardi; Suharso, Pudjo; Zulianto, Mukhamad; Laili, Alfin Nur; Sedyati, Retna Ngesti
Geosfera Indonesia Vol. 10 No. 2 (2025): GEOSFERA INDONESIA
Publisher : Department of Geography Education, University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/geosi.v10i2.52600

Abstract

Disaster management is mostly done through a technological approach. In addition to the technological approach, disaster management needs to use a cultural, non-technological approach. This study focuses on school-based disaster education as one of the cultural approaches in the area affected by the eruption of Mount Semeru, Lumajang. The purpose of this study was to analyze the implementation of the disaster education model for high school level based on Disaster Safe Schools in the area affected by the eruption of Mount Semeru, Lumajang. The research method used is descriptive statistics to see students' perceptions of 3 aspects of disaster-safe schools consisting of the availability of disaster-safe school facilities and infrastructure, disaster management for disaster-safe schools and disaster risk reduction education for disaster-safe schools. Through Focus Group Discussion (FGD) of social studies teachers, the importance of implementing school-based disaster education was analyzed which includes three aspects of disaster-safe schools. The results in the first aspect regarding the availability of disaster-safe school facilities and infrastructure, on average students have adequate knowledge about disaster-safe school facilities and infrastructure. In the second aspect of disaster management for disaster-safe schools, students view that schools have not fully implemented disaster management and in the third aspect, namely disaster risk reduction education for disaster safety, students consider that it has not been carried out optimally. Meanwhile, for the implementation of disaster education, they prefer a curricular education model by integrating it into relevant social studies subjects. The results of the FGD with teachers revealed that in the first aspect, the four schools did not have adequate facilities and infrastructure. In the second aspect, only 2 schools carried out adequate disaster management, the other two schools were not optimal. In the third aspect of disaster risk reduction education, teachers chose to integrate it into relevant subjects. The conclusion of this study reveals that the school-based disaster education model has not been implemented by all schools in the areas affected by the eruption of Mount Semeru.
INNOVATION IN SOCIAL MEDIA STRATEGY: A STUDY OF SMEs IN JEMBER Maftah, Milatul; Zulianto, Mukhamad
Jurnal Bisnis dan Manajemen (JBM) JBM Vol 19 (2023): Issue 3
Publisher : Faculty of Economics and Business University of Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jbm.v19i3.1830

Abstract

Promotion is the key to spreading information about a business or product. Today, SMEs utilize social media for promotion. Because social media has a wider range, promotion is done by seizing social media to reach a wider market share. This research aims to analyze the utilization of social media as a promotional medium by SMEs in the Jember Regency. The research results show that SMEs utilize social media for promotion, such as Facebook, Whatsapp, Instagram, and Telegram. Each social media is used following the functions and features. Social media Instagram is utilized as a place to upload promotional videos, product photos, posters, booking info, and product reviews. Social Media Facebook is utilized to reach people who are in the community to sell and buy. Social Media WhatsApp and Telegram can be used for two-way communication between SMEs and consumers. Keywords: social media, Strategy, Small and medium-sized Enterprises
Effect of Celebrity Endorser and Brand Image on Purchasing Decision For Scarlett Whitening Product Eka Putri, Septia Vindy; Widodo, Joko; Zulianto, Mukhamad
Jurnal Ekonomi Balance Vol. 19 No. 1 (2023): June 2023
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v19i1.11119

Abstract

The purpose of this study was to determine the effect of celebrity endorser and brand image on purchasing decisions for Scarlett Whitening products on students of Economic Education, Faculty of Teacher Training and Education, University of Jember, batch 2018-2021 simultaneously and partially. This research uses correlational quantitative research with the aim of seeing the influence of independent variables on the dependent variable. The sampling technique used in this study is populative sampling , namely 87 students of Economics Education, Faculty of Teacher Training and Education, University of Jember class 2018-2021 who have purchased Scarlett Whitening products. Questionnaire and interview methods were used to collect data. The data analysis technique in this study used multiple linear analysis, regression line variance, F test, T test, coefficient of multiple determination, effectiveness of multiple linear regression lines and standard error of the estimates. The results of the study explain that simultaneously and brand image have a positive and significant effect on purchasing decisions for Scarlett Whitening products, while partially celebrity endorsers have a significant effect on purchasing decisions and brand image has a significant effect on purchasing decisions for Scarlett Whitening products.
Disaster in Javanese Mythological Narratives: Learning from Semeru Eruptions Zulianto, Mukhamad; Suharso, Pudjo; Thoharudin, Munawar; Yushardi, Yushardi
Journal of Innovation in Educational and Cultural Research Vol 7, No 1 (2026): Article in Press
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jiecr.v7i1.2406

Abstract

This study explores the integration of environmental ethics, cultural traditions, and technological innovation in disaster mitigation education to enhance the resilience of communities vulnerable to natural disasters, particularly those near Mount Semeru. Employing a qualitative methodology with a phenomenological approach, this research examines Javanese cultural perspectives on human-nature relationships and their implications for disaster preparedness. Data collection involved interview with village elders, community leaders and village youth, document analysis of Javanese philosophical texts, mythology, and oral traditions, as well as expert consultations with scholars in Javanese cosmology and disaster education. Thematic and comparative analyses were conducted to identify key patterns in disaster perception and response. The findings reveal that the Semeru community’s mitigation strategies are deeply rooted in traditional wisdom, classified into narrative, mystical, and functionalistic guidance, forming the basis of the ‘Triple N’ model: Nuturi, Niteni, and Nindaki. This framework emphasizes socialization, internalization, and enculturation to strengthen disaster awareness and community leadership. The study contributes to disaster education by bridging traditional knowledge with modern mitigation strategies, offering a culturally grounded approach that enhances community preparedness and response effectiveness. The Triple N model offers a culturally grounded framework that enhances disaster education, strengthens community resilience, and supports the development of a disaster mitigation curriculum.
Co-Authors Agustina, Elwin Dwi Ajeng Nurdiana Putri Djoko Widodo Dwi Novitasari Efriyanto, Efriyanto Eka Putri, Septia Vindy Ghufrani Rifqi, Imelda Hardiwahyuni, Chiska Harnovinsah Harnovinsah Hery Prasetyo, Hery Joko Widodo, Mukhamad Zulianto, Muhammad Wahyu Budi Santoso Laili, Alfin Nur Lailiyah, Sitti Nur Maftah, Milatul Munawar Thoharudin Nurcahya Ningsih, Rosita Nurcahyani Nurcahyani, Nurcahyani Permana, Erwin Pudjo Suharso Putri, Cynthia Nora Dwi Retna Ngesti Sedyati, Retna Ngesti Sri Wahyuni Sumardi . Yushardi Yushardi Yushardi, Yushardi Zannah Habibi, Yusnia Nur