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All Journal EQIEN - JURNAL EKONOMI DAN BISNIS Management Studies and Entrepreneurship Journal (MSEJ) Enrichment : Journal of Management Jurnal Pengabdian dan Pemberdayaan Banyuwangi
Maria Maria
Politeknik Negeri Kupang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Social Sciences Other

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PENGARUH LITERASI FINANSIAL TERHADAP KEBIASAAN MENABUNG. PERAN MEDIASI DARI KONTROL DIRI. STUDI PADA PENGUSAHA KECIL DAN MENENGAH DI KOTA KUPANG. Maria Maria
Eqien - Jurnal Ekonomi dan Bisnis Vol 10 No 1 (2022): EQIEN - JURNAL EKONOMI DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi Dr Kh Ez Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (177.674 KB) | DOI: 10.34308/eqien.v10i1.569

Abstract

This study aims to investigate the direct and indirect effects of financial literacy on saving habits with the mediating role of self-control. Data were obtained from 84 small and medium entrepreneurs in Kupang City who were willing to act as respondents. Through a quantitative approach, the data obtained were then analyzed by means of multiple regression analysis. The results of this study indicate that financial literacy affects saving habits and is mediated by self-control. The practical benefits obtained can be utilized by small and medium-sized entrepreneurs to increase their ability to save.
Impact of Financial Literacy on Financial Behavior and Entrepreneurial Intention: Gender as a Moderator. Study on Undergraduate Students in Kupang City Maria Maria
Enrichment : Journal of Management Vol. 12 No. 4 (2022): October: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (307.739 KB) | DOI: 10.35335/enrichment.v12i4.764

Abstract

This study aims to investigate the moderating role of gender in the relationship between financial literacy and financial behavior, as well as the relationship between financial literacy and entrepreneurial intention. Data were obtained from 164 final year students who voluntarily acted as respondents. With a quantitative approach, the data that has been obtained is then analyzed using the Structural Equation Modeling (SEM) technique with the help of SmartPLS 3.0 software. The results of this study indicate that gender differences among students moderate the relationship between financial literacy and financial behavior, as well as the relationship between financial literacy and entrepreneurial interest. In addition to theoretical contributions, practical contributions from this research can be applied by stakeholders to foster intention to be entrepreneurs among students.
The Impact of Hedonism, Financial Socialization, and Self-Control on the Digital Consumptive Behavior of Housewives in Kupang City Maria Maria; Hans A. Lao; Intan Feuk
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9231

Abstract

Digital transformation has changed household consumption patterns, especially among housewives who are now increasingly active in online shopping activities. This phenomenon cannot be separated from the ease of e-commerce access, aggressive promotions, and various digital financial features such as paylater and e-wallets. On the one hand, these advances provide convenience and efficiency, but on the other hand it also encourages the emergence of excessive consumptive behavior. This study aims to analyze the direct influence of hedonism, financial socialization, and self-control on digital consumptive behavior in housewives. The method used is a quantitative approach with survey techniques through online questionnaires. Housewives were selected purposively based on criteria of having experience in online shopping and the use of digital payment methods. The data analysis technique was carried out by multiple linear regression using SPSS software. The results of the study show that hedonism contributes positively to the high tendency of digital consumption, while financial socialization and self-control play a controlling factor that reduces the intensity of consumptive behavior. The implications of these findings not only enrich the study of consumer behavior in the digital age, but also serve as a basis for the development of family financial education strategies that are more contextual and gender-sensitive.
Pelatihan Penyusunan Rencana Usaha (Business Plan) bagi UMKM Pemula di Kecamatan Amanuban Barat Heni Matelda Sauw; Amram Rohi Bire; Margaretha Sartien; Mentari Sinaga; Maria Maria
Jurnal Pengabdian dan Pemberdayaan Banyuwangi (Jurnal Abdiwangi) Vol 3 No 1 (2025): Abdiwangi Journal
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat, Politeknik Negeri Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57203/abdiwangi.v3i1.2025.30-36

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in supporting both national and local economic growth, including in Amanuban Barat District. However, many beginner MSMEs face challenges in developing their businesses due to a lack of understanding and skills in preparing a business plan. Without a well-structured plan, MSME actors find it difficult to manage risks, seize market opportunities, and access formal funding sources. The main problems faced by MSMEs in this area include a limited understanding of the importance of a business plan, insufficient technical skills in business planning, lack of access to mentoring and training, difficulties in obtaining business capital due to the absence of proper business documents, and low awareness of market and financial analysis. This community service program aimed to enhance MSME capacity through training on the importance of business planning and a technical workshop on simple business plan preparation. The training methods included lectures, interactive discussions, and hands-on business plan practice. The results showed a significant improvement in participants’ understanding of business planning, their ability to design a business plan, and their awareness of building networks and business collaboration. This activity has provided tangible benefits by helping MSMEs expand access to formal funding and optimize their business potential. Therefore, this program contributes to strengthening and sustaining local economic growth in Amanuban Barat District
Co-Authors Amram Rohi Bire Hans A. Lao Heni Matelda Sauw Intan Feuk Margaretha Sartien Mentari Sinaga