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All Journal JURNAL ECONOMIA AQUATIC SCIENCE & MANAGEMENT JURNAL ILMIAH PLATAX Trikonomika: Jurnal Ekonomi Assets : Jurnal Ekonomi, Manajemen dan Akuntansi PROFIT : Jurnal Administrasi Bisnis Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ilmiah Mahasiswa Ekonomi Manajemen JURNAL IPTEKS PEMANFAATAN SUMBERDAYA PERIKANAN Widya Cipta : Jurnal Sekretari dan Manajemen Syntax Literate: Jurnal Ilmiah Indonesia Journal of Economic, Bussines and Accounting (COSTING) REKAMAN (Jurnal Riset Ekonomi Bidang Akuntansi dan Manajemen) J-MAS (Jurnal Manajemen dan Sains) SEIKO : Journal of Management & Business EQIEN - JURNAL EKONOMI DAN BISNIS YUME : Journal of Management JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) MANAJEMEN DEWANTARA JURNAL LENTERA BISNIS Jurnal Pengabdian Masyarakat Borneo Performance : Jurnal Bisnis dan Akuntansi Business Management Journal Program Studi Manajemen Journal of Global Business and Management Review Revitalisasi : Jurnal Ilmu Manajemen Prosiding National Conference for Community Service Project Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Bina Manajemen EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Darma Agung Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Pengabdian kepada Masyarakat Nusantara Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Economics and Digital Business Review Jurnal Pengabdian kepada Masyarakat Asian Management and Business Review Jurnal Ilmu Manajemen Advantage Golden Ratio of Finance Management Journal Of Human And Education (JAHE) Formosa Journal of Multidisciplinary Research (FJMR) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Mestaka: Jurnal Pengabdian Kepada Masyarakat Jurnal Kreasi Rakyat Innovative: Journal Of Social Science Research MDP Student Conference Ranah Research : Journal of Multidisciplinary Research and Development Economos : Jurnal Ekonomi dan Bisnis Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Conference on Community Engagement Project (Concept) Conference on Business, Social Sciences and Technology (CoNeScINTech) Madani: Jurnal Pengabdian Masyarakat dan Kewirausahaan Mutiara: Jurnal Penelitian dan Karya Ilmiah Jurnal Edukasi Pengabdian Masyarakat: EDUABDIMAS Jurnal Pengabdian Barelang Blantika : Multidisciplinary Journal GEMBIRA (Pengabdian Kepada Masyarakat) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Gudang Jurnal Pengabdian Masyarakat Jurnal Pendekar Nusantara Asian Journal of Management, Entrepreneurship and Social Science Jurnal Manajemen Maranatha Indonesia Berdampak: Jurnal Pengabdian Kepada Masyarakat
Johny Budiman
Universitas Internasional Batam
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Public Health Social Sciences Transportation Other

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Implementasi Sistem Voucher dan Pengelolaan Transaksi Keuangan Harian Menggunakan Aplikasi GF Akuntansi pada PT CSK Insulation Engineering Gan, James; Budiman, Johny
Jurnal Pengabdian Barelang Vol 8 No 1 (2026): Jurnal Pengabdian Barelang
Publisher : LPPM Universitas Putera Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33884/jpb.v8i1.10941

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan efektivitas pencatatan transaksi keuangan harian pada PT CSK Insulation Engineering melalui penerapan sistem voucher dan Aplikasi GF Akuntansi. Sebelum kegiatan dilakukan, perusahaan masih menggunakan pencatatan manual yang sering menimbulkan keterlambatan, ketidaktepatan data, serta lemahnya pengendalian internal. Metode pelaksanaan meliputi observasi proses pencatatan, perancangan format voucher, konfigurasi aplikasi, pelatihan staf, serta evaluasi setelah implementasi. Hasil kegiatan menunjukkan bahwa penggunaan sistem voucher mampu menstandarkan proses verifikasi transaksi dan menyediakan bukti pencatatan yang lebih jelas dan terstruktur. Penerapan Aplikasi GF Akuntansi juga meningkatkan kecepatan dan akurasi pencatatan karena seluruh transaksi dapat diinput dan diproses secara otomatis sesuai kategori akun. Evaluasi akhir memperlihatkan peningkatan kemampuan staf dalam menggunakan aplikasi serta penyusunan laporan kas harian yang lebih cepat dan akurat. Secara keseluruhan, kegiatan ini memberikan dampak positif terhadap tata kelola keuangan perusahaan dan membuktikan bahwa digitalisasi akuntansi dapat menjadi solusi efektif bagi perusahaan menengah untuk mewujudkan pencatatan yang lebih modern, transparan, dan efisien.
Factors Influencing an Individual’s Investment Decisions: An Analysis of Risk Tolerance as a Mediating Variable Jolin; Johny Budiman
Eqien - Jurnal Ekonomi dan Bisnis Vol 15 No 01 (2026): Journal Ekonomi dan Bisnia
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam DR KH EZ Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34308/eqien.v15i01.2315

Abstract

This study examines the influence of financial literacy, overconfidence, firm image, and self-control on investment decisions, with risk tolerance included as a mediating variable for financial literacy and overconfidence. Data were collected from 180 respondents using a questionnaire and analyzed through Structural Equation Modelling (SEM). The findings indicate that financial literacy, overconfidence, and self-control have a positive impact on individual investment decisions. In contrast, firm image and risk tolerance show a positive but insignificant effect. Furthermore, risk tolerance does not mediate the relationship between financial literacy and overconfidence on investment decisions. These results can help investors better understand their capabilities and personality traits when making financial decisions. Additionally, the study highlights the importance for policymakers and financial educators to improve financial literacy and address behavioral aspects influencing investment behavior. Enhancing both knowledge and mindset is essential for empowering individuals to make more informed and rational investment choices.
Fintech Adoption among College Students in Batam, Indonesia: The Influence of Ease of Use and Usefulness Candy, C.; Huang, Stephen; Budiman, Johny
Golden Ratio of Finance Management Vol. 6 No. 1 (2026): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i1.1998

Abstract

Fintech still has significant room for growth, but industry competition is becoming increasingly challenging. To increase fintech adoption, companies must understand individual behavior. This study aims to examine perceived ease of use (PEOU) and perceived usefulness (PU) as central factors that may impact fintech adoption (FA) among college students, a group with a high likelihood of fintech use. This study adopts a quantitative approach, with data collected via a questionnaire distributed to 364 Indonesian college students. Data processing and analysis were performed with Partial Least Squares-Structural Equation Modeling (PLS-SEM). The findings reveal that PEOU positively affects FA among students, both directly and indirectly through PU. In addition, PEOU enhances PU, thereby positively influencing FA. Easy-to-use fintech services help students recognize their practical benefits, thereby encouraging quick adoption. These results suggest that fintech companies targeting college students should prioritize user-friendly design, relevant features, and marketing messages that emphasize ease of use and real benefits to enhance adoption.
Money Management, Financial Security, dan Financial Behavior: Peran Mediasi Financial Stress Candy Candy; Johny Budiman; Kristine Gladis Feby; Deandra Emilya Putri; Cheisya Nabilah; Fathir Suria Marika Putri; Tasha Rahmatika
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15334

Abstract

This study aims to analyze the effect of current money management stress and expected future financial security on financial behavior, with financial stress as a mediating variable among individuals of productive age in Indonesia. This study adopts a quantitative approach using a survey method through the distribution of online questionnaires to respondents aged 17–64 years. The sampling technique applied is non-probability sampling using the convenience sampling method. Data were analyzed using structural equation modeling based on partial least squares with the assistance of SmartPLS software. The findings indicate that current money management stress has a significant effect on financial stress and financial behavior, while expected future financial security significantly affects financial behavior. However, financial stress is not found to mediate the relationship between independent variables and financial behavior.
Digital Financial Literacy, Behavioral Intention, and Financial Inclusion Johny Budiman; Candy Candy; Amelia Andita; Errina Ati; Dhamma Vicaya Putri; Larventy Larventy; Michelle Nataline Tu
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15537

Abstract

This study examines the effects of Digital Financial Literacy (DFL) and Mobile Perceived Financial Cost (MPFC) on Digital Financial Inclusion (DFI), with Behavioral Intention (BI) and Use behavior (UB) as mediating variables. Using a quantitative approach, data were collected from 203 mobile fintech users in Batam City and analyzed with PLS-SEM. The results show that DFL has a positive and significant effect on BI, which subsequently influences UB and enhances DFI. BI and UB act as mediating variables, while MPFC has no significant effect on fintech usage. These findings emphasize the importance of digital financial literacy in promoting digital financial inclusion.
Fintech Adoption Behavior Among University Students Johny Budiman; Candy Candy; Della Febrianti; Herisna Rahmadani; Dinda Rafika Syahputri; Anastassia Joan Liu
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15541

Abstract

This study aims to analyze the effects of perceived usefulness, government support, and digital financial literacy on behavioral intention and use behavior in the use of Financial Technology (FinTech) services among university students. Data were collected through a questionnaire from 214 student respondents and analyzed using the PLS-SEM method. The results indicate that perceived usefulness and digital financial literacy have a positive and significant effect on behavioral intention and use behavior, while government support has no significant effect, either directly or indirectly. Furthermore, behavioral intention is proven to mediate the effects of perceived usefulness and digital financial literacy on use behavior, but it does not mediate the effect of government support. These findings suggest that perceived usefulness and digital financial literacy are the main factors driving students’ use of FinTech services.
Co-Authors -, Nico Hadi Adi Hartono Aglius T.R. Telleng Aglius T.R. Telleng agustin, isnaini nuzula Agustini Fatmasari Ainabila, Salsa Siti Alex Alex Alexander J. W Alfret Luasunaung Amelia Andita Anastassia Joan Liu Andarini, Retno Andrea Putri Andy Tio Andy Tio Angela Angela Angelina Julia Renaldi Angelina, Winna Angeline Aurellia Anindito Leksono Anna Isabella Lau Anthony Chang Antonio Tantra Wijaya Aprilia Chandrawati Arianto Arianto Arifin, Supriyadi Bernard Bernard Calvin Calvin Candy, C. Candy, Candy Cecilia Cecilia Chandra Wijaya Chang, Wirren Changyoni, Suci Cheisya Nabilah Cheristina, Cheristina Christina Christina Chrysti, Angelica Vivian Cindy Fransiska Coral Aswanti Darvin Ang Deandra Emilya Putri Delfina Delfina Della Febrianti Denny Denny Desmond Lim Dessy Alliandrina DESTIANA SAFITRI Devin Devin Dhamma Vicaya Putri Diana Novella Diana Oktavia Dinda Rafika Syahputri Edvan Suwandi Edward Cornelyanto Edwin Edwin Emil Reppie Emil Reppie Erilia Kesumahati Ernestine, Ernestine Errina Ati Ervina Ervina Esfandiany, Shelby Estin Rose Eviyani Fathir Suria Marika Putri Febriyanti Febriyanti Felicia Koo Ferdinand Jason Fionna Quinn Florentina Jasmine Fransisco P. T. Pangalila Gan, James Greceila Veronica Tanita Gusfandi Gusfandi Hadi, Nico Halim, Rynando Sadrakh Hansend Cristoper Hardy W. L Helena Helena Hendra Dewantara Hendrawan Hendrawan Hendriyanto Hendriyanto Henly Henly Herisna Rahmadani Hesnianti Hesniati, Hesniati Huang, Stephen Inda Meyllya Putri Indramawan Indramawan Inneke F. M Rumengan Irvin Ng Jacelyn Christina Yeo Jacelyn Jacelyn Jasika Jasika Jasika, Jasika Jaslin Marvina Jefri Ariffendi Jennifer Jennifer Jenny Jenny Jeslyn Jeslyn Jesni Jesni Jessica Jessica Jessica Novia Jessica Valeria Jessy Valencia Jihadhatul Akbar Joey Joey Jofen Cenedi Jofia, Nurul John Christian Tedjo Jolin Jolin, Jolin Jolin, Jolin Jongestu, Jofen Cenedi Jovan Pratama Jovianto Jovianto Joycelin Joycelin Julius Kurnaedi Junita Junita Juven Gautama Kelvin Kelvin Kendy Setiawan Hartono Kevin Antonio Kristina Kristina Kristine Gladis Feby Larventy Larventy Licca, Vellia Lie, Kelvin Lily Indrawati Lindawati Lindawati Louis Vernando Lovis Vernando Lumuindong, Frans Lydia Lestari Lydia Sasmita Mahendra, Rizky Adi Manu, Lusia Marheni, Dewi Khornida Maridza, Fidella Dita Martinus, Titan Mayviana, Vivin Meilita Meilita Melvin, Melvin Michelle Angel Lim Michelle Nataline Tu Mulyaningrum Mulyaningrum Nelson Donglas Ng, Mardiana Novita Novita Olinda Viviani Ong, Teddy Oscar, Franky Paramitha Tanujaya, Priscillia Patricia Patricia Piere Ricardo Pina Pina Priscillia, Viviona Rahmadhanti Rahmadhanti Ria Bintan Ria Hartoko Riansan Riansan Richie Marlon Rido Renando Riskiyanto Riskiyanto Rudianto, Vinna rudiyanto Rudiyanto Rudiyanto Rudiyanto Rudiyanto, Rudiyanto Salim, Silvia Salsabilla Febriatul husna Santo Santo Septiana, Gracia Tiffany Serina, Serina Shelvi Shelvi Shelvi, Shelvi Sherlin Sherlin Sherry Sherry Silvia Hainia Sindy Sindy Sitorus, Winda Fionita Sofia Sofia, Sofia Stefani, Christine Stephanie Stephanie Sugandi, Dwinta supriyadi arifin Suyono Saputro Sylvia Putri Tan Le Xuan Tan Wan I Tasha Rahmatika Theresia Desilva Tiara Shinta Tiara. C, Indah Tina Tina Trio Trio Veni Sisca Verni Verni Verren Calystania Vinna Ruddianto Vira Vira Viviani Viviani Vivien Welliam Ali Widia Agustiwi Wilfi Caroline Wilhelmina Patty William William Angelo Tio William William Windy Ratnasari Wisnu Yuwono Yanty Yanty Yenny Fyfy Susanty Yessica Stephanie Lim Yodiputra, Jason Yubelina Hibata Yulfiswandi, Yulfiswandi