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All Journal Trikonomika: Jurnal Ekonomi JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Jurnal Ilmiah Econosains Jurnal Pemberdayaan Masyarakat Madani (JPMM) Jurnal Pendidikan Ekonomi & Bisnis JURNAL DINAMIKA MANAJEMEN DAN BISNIS Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JRMSI - Jurnal Riset Manajemen Sains Indonesia International Journal of Supply Chain Management IKRA-ITH EKONOMIKA MBIA ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES Jurnal Informatika Ekonomi Bisnis Parameter Journal of Social Science Nusantara Science and Technology Proceedings Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) Journal of Industrial Engineering & Management Research (JIEMAR) International Journal of Economy, Education and Entrepreneurship (IJE3) Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF) International Journal of Social Service and Research International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Review of Multidisciplinary Education, Culture and Pedagogy (ROMEO) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat International Journal of Multidisciplinary Research and Literature (IJOMRAL) Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi D'edukasi: Jurnal Pengabdian Masyarakat Rahmatan Lil’alamin Journal of Community Services (RLA) CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) PERADABAN JOURNAL of ECONOMIC and BUSINESS Jeksyah Return : Study of Management, Economic and Bussines Journal of Social Science International Research of Multidisciplinary Analysis Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Jurnal Informatika Ekonomi Bisnis Jurnal Serambi Ekonomi dan Bisnis Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Cendikia: Jurnal Pendidikan dan Pengajaran Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi PENG: Jurnal Ekonomi dan Manajemen Jurnal Ilmiah Manajemen dan Akuntansi Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Ekopedia: Jurnal Ilmiah Ekonomi Journal of Digital Business and Global Economy Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Saparuddin Mukhtar
Universitas Negeri Jakarta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Social Sciences Transportation Other

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Pengaruh Literasi Keuangan Digital dan E-Commerce Terhadap Perilaku Doom Spending di Kalangan Generasi Z Universitas Negeri Jakarta Salma Zahra Andriani; Siti Nurjanah; Saparuddin Mukhtar
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/y4vswd28

Abstract

This study aims to determine the influence of digital financial literacy and e-commerce on doom spending behavior among Generation Z at Jakarta State University. The population in this study were students as a representation of Generation Z in the campus environment. The sample of this study were active students at Jakarta State University with the sampling technique used was purposive sampling. The method used in this study was a quantitative method with multiple regression analysis. The results of the study found that the digital financial literacy variable was proven to have a positive and significant influence on doom spending behavior. This shows that respondents' understanding of digital financial instruments and the ease of online transactions does not necessarily make them wiser in refraining from impulsive shopping in stressful situations. On the contrary, mastery of financial technology actually becomes a means that makes it easier for respondents to make quick spending to relieve anxiety, so that the higher the digital financial literacy possessed, the tendency to doom spending also tends to increase. The e-commerce variable has a positive and significant influence as the main driving factor in doom spending behavior. The presence of online shopping platforms with various features of easy access, attractive promotions, and transaction speed has a very large impact in triggering unplanned spending. The practical nature of e-commerce has become a primary outlet for respondents to escape negative feelings or the stress of bad news through shopping, making it the most dominant factor in explaining why doom spending behavior occurs among the subjects of this study.
The Effect of Income Expectations, Entrepreneurial Knowledge, and Entrepreneurial Mindset on Interest in Entrepreneurship, with Self-Efficacy as A Mediating Variable, Among KPK Civil Servants in the 2025 Cohort M Syaifudin Kafi; Saparuddin Mukhtar; Agung Dharmawan Buchdadi
Return : Study of Management, Economic and Bussines Vol. 5 No. 7 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i7.486

Abstract

Civil servants have increasingly gained opportunities to engage in entrepreneurial activities; however, the actual level of entrepreneurial participation remains relatively low. This condition indicates that regulatory opportunities alone are insufficient to encourage entrepreneurial interest, as psychological and cognitive factors may play important roles in shaping entrepreneurial intentions. This study aims to examine the effects of income expectations, entrepreneurial knowledge, and entrepreneurial mindset on entrepreneurial interest while analyzing the mediating role of entrepreneurial self-efficacy among KPK civil servants in the 2025 cohort. This study employed a quantitative approach using a survey method involving 133 respondents. Data were collected through a Likert-scale questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results showed that income expectations, entrepreneurial knowledge, and entrepreneurial mindset significantly and positively affected self-efficacy. Furthermore, self-efficacy had a significant positive effect on entrepreneurial interest. Income expectations and entrepreneurial knowledge also directly influenced entrepreneurial interest, whereas entrepreneurial mindset did not have a direct significant effect. However, self-efficacy fully mediated the relationship between entrepreneurial mindset and entrepreneurial interest, demonstrating that mindset influences entrepreneurial intention through increased confidence in entrepreneurial capabilities. The study concludes that strengthening self-efficacy, particularly through entrepreneurial mindset development, is essential to encourage entrepreneurial interest among civil servants within a high-integrity institutional environment.
FINTECH PAYMENT ABILITY FOR MSME ACTIVITIES OF THE BABY BOOMERS GENERATION IN SOUTH TANGERANG CITY Shalsa Azzahra; Sri Indah Nikensari; Saparuddin Mukhtar
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 1 (2022): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i1.379

Abstract

Advances in technology in the financial sector, namely fintech payments in the current digital era, can be a challenge to adapt in everyday life. And it is undeniable that the generation that grew up with technology has very different expectations and experiences in using digital media than previous generations. This study aims to determine the effect of digital economic literacy and financial inclusion on the ability to use fintech payments through financial inclusion for the MSMEs of the baby boomers generation based on valid data. Data collection was carried out in this study using quantitative techniques with data analysis techniques Path Analysis through questionnaires. The number of samples studied were 160 SMEs of the baby boomers generation in South Tangerang City in 2022. The research variable data was in the form of primary data consisting of the ability to use fintech payments (Y), digital economic literacy (X1) and financial inclusion (X2). The results of the study show that digital economic literacy has a positive effect on the ability to use fintech payments; financial inclusion has a positive effect on the ability to use fintech payments; digital economic literacy has an indirect effect on the ability to use fintech payments through financial inclusion.
Co-Authors -, Rahmanisa Aulia Safitri Adamu Abbas Adamu Adamu, Adamu Abbas ADITYA PRATAMA Aditya Pratama Aditya Pratama Agung Dharmawan Buchdadi Agus Wibowo Agus Wibowo Agustina, Nadya Ahnanto Ahnanto Alhidayatullah Alifah Kusumaningrum Alifah Kusumaningrum Amanda Setiorini Andriany, Dewy Rika Anisa Putri Isnaini Aprilisa, Nursyifa Ardilah Fitriani Aryasari, Devita As’ad Samsul Arifin Awaliyah, Nissa Nur Azzahra, Fadilah Azzahra, Shalsa Bagus Shandy Narmaditya Basri Bado Basri Bado Bayu, Gusti Prasetyo Bhakti Dwi Hasta Budiaman, Budiaman Charlie Albert Lasuin Cindi Dyah Widawati Dedeh Dedeh Dian Lestari Dicky Iranto Dicky Iranto Dicky Irianto Doni Triono Dwi Handarini Dwi Ringga Edwid Dian Negara Eko Tama Putra Saratian Ervina Maulida Fadhil Firmansyah Fadhillah, Dini Nur Fauziah, Ilma Nur Fewi Siti Nur’aeni Fitrianingsih, Yuli Gusti Prasetyo Bayu H Herlitah Hafni, Rayni Delya Hamonangan, Mahardhika Michael Hanif Afif Naufal Harya Kuncara Wiralaga Haryo Kuncoro Hasta, Bhakti Dwi Hera Khairunnisa Herlitah Herlitah, Herlitah Herwanto, Muhammad Ravi Hidayah, Shofiyatul Ida Ayu Putu Sri Widnyani Indri Murniawaty Indriyani, Vivia Aegea Iranto , Dicky Isnaini Intan Permadani Izza, Ashiilah Tsabit Izzulhaq, Muhammad Zaki Jusuf, Halid K Karuniana Dianta Arfiando Sebayang Khafifah, Aura Kikin Yuliaty Subarsa Putri Kinanti Geminastiti Kundriyah, Kundriyah Laelawati Laelawati Lathiefah Rabbaniyah Lilis Suryani M Syaifudin Kafi Maranik, Zita Fira Marlina Senja Mohamad Rizan Mohammad Rizan Mohammad Rizan, Mohammad Mohammad Sofwan Effendi Mohammad Sofwan Effendi Muh. Abdul Aziz Muhammad Edo Suryawan Siregar Muhammad Fakhri Muhammad Irsyad Mustaqim Muhammad Rio Julianto N., Sri Indah Naf’an, Wazir Nauli, Muthya Octariany Nida Zahra Ningsih, Idha Marta Kurnia Norma Ayu Wahyuni Nur Ramadini Tria Wafa Nuratika, Oktavia Nurwandah Apriyanti Pambagyo, Ridho Mulyo Permadani, Isnaini Intan Popon Pranawati Purwana E.S., Dedi Purwana, Dedy Putri, Febriyanti Safdi Putri, Indira Putri, K. Y.S Qiz Haya Shafiana Rahmanisa Aulia Safitri Rahmatul Khalik Ratnasari, Kania Rayhannevi Rayhannevi Rd. Tuty Sariwulan Resti Annisa RHI Muhammad Ibnu Hibban Riana Raudha Adni Ridho Mulyo Pambagyo Rifelly Dewi Astuti Rina Herlina Rina Mariana Ristiana, Ayu Rubiah Rubiatul Adawiyah Rudi Casmana, Asep Safhira, Tyas Safira Azzahra Safitri, Sahdia Salma Zahra Andriani Salwan Hanafi Samadi Saptono, Ari Saputra, Arif Yogi Sekar Tri Widati Selly Yolanda Selly Yolanda, Selly Setiawan, Dito Shalsa Azzahra Shandy Aditya Siti Fatimah Zahra Siti Nurjanah Siti Nurjanah Siti Saadah Sofwan, M. Soraya Alamanda Soraya, Andien Amirani Sri Indah Nikensari Suciatiningsih Suciatiningsih Suparno Suparno Suparno Suparno Suparno Taufik Akbar Tri Dahlia Putri Triono, Doni Umasih Umasih Usep Suhud Vironica Nurani Yonatan Wahono, Puji Wahyuni, Norma Ayu Wang Fei Widya Meinita Wulan, Linda Dewi Yanti Yulianti Yeti Lastuti Yuliansyah, Ardian Ridho Yunita Tri Andina Yusyana Lussardi Zahra, Siti Fatimah Zairin, Gentiga Muhammad