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All Journal Jurnal Pembangunan Pendidikan: Fondasi dan Aplikasi Jurnal Pendidikan Akuntansi Indonesia Et-Tijarie: Jurnal Hukum dan Bisnis Syariah Monex: Journal of Accounting Research SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Pendidikan Ekonomi (JURKAMI) Pedagogik: Jurnal Pendidikan Neraca: Jurnal Pendidikan Ekonomi Wiyata Dharma: Jurnal Penelitian dan Evaluasi Pendidikan Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Jurnal Pengabdian Kepada Masyarakat Jurnal Manajemen ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Tabela Jurnal Pertanian Berkelanjutan Jurnal Pengabdian Kepada Masyarakat Bijaksana: Jurnal Pengabdian Masyarakat
Irmadatus Sholekhah
UNIVERSITAS JEMBER
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Determinants Of Digital Wallet Adoption Among Generation Z Students In Economics Education: Faktor Yang Mempengaruhi Penggunaan Dompet Digital Di Kalangan Mahasiswa Gen Z Pendidikan Ekonomi Dwi Herlindawati; Irmadatus Sholekhah
Jurnal Pendidikan Akuntansi Indonesia Vol. 24 No. 1 (2026): Jurnal Pendidikan Akuntansi Indonesia
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jpai.v24i1.95009

Abstract

This study investigates the influence of digital financial literacy, lifestyle, and perceived convenience on individuals’ decisions to use digital wallets. A quantitative research design was adopted, utilizing primary data collected through online questionnaires. The sample comprised 102 students from the Economics Education Study Program at the University of Jember who actively use digital wallets, selected using a purposive sampling technique. Data analysis was conducted using SPSS version 27 through multiple linear regression analysis, supported by t-tests and F-tests. The results indicate that digital financial literacy has a significant effect on digital wallet usage (Sig. = 0.000). Lifestyle also shows a significant influence on digital wallet usage (Sig. = 0.001). Furthermore, perceived convenience significantly affects digital wallet usage (Sig. = 0.002). The t-test results confirm that all independent variables significantly influence digital wallet usage individually, while the F-test results demonstrate a significant simultaneous effect of digital financial literacy, lifestyle, and perceived convenience (Sig. = 0.000). This finding is supported by the coefficient of determination (R²) value of 0.654, indicating that 65.4% of the variation in digital wallet usage can be explained by these three variables, while the remaining variance is attributable to other factors not examined in this study.
Literasi Keuangan Dan Perilaku Konsumtif Belanja Online: Peran Kontrol Diri Sebagai Mediator: Financial Literacy And Online Shopping Consumptive Behavior: The Role Of Self-Control As Mediator Alifia Farrah Almira; Dwi Herlindawati; Irmadatus Sholekhah
Jurnal Pendidikan Akuntansi Indonesia Vol. 24 No. 1 (2026): Jurnal Pendidikan Akuntansi Indonesia
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jpai.v24i1.95428

Abstract

Transformasi pola belanja ke platform daring pada Generasi Z berpotensi mendorong perilaku konsumtif meskipun tingkat literasi keuangan mereka relatif memadai. Fenomena ini penting untuk dikaji karena hasil pra-survei pada mahasiswa S1 Manajemen Universitas Jember angkatan 2022 menunjukkan pola pengeluaran online yang relatif terkendali, sehingga mengindikasikan peran krusial kontrol diri. Studi ini bertujuan menganalisis pengaruh langsung dan tidak langsung literasi keuangan terhadap perilaku konsumtif belanja online dengan kontrol diri sebagai variabel mediasi. Penelitian menerapkan pendekatan kuantitatif kausal yang melibatkan 152 mahasiswa. sebagai responden. Analisis data dilakukan menggunakan SEM- PLS. Hasil penelitian menunjukkan literasi keuangan berpengaruh negatif terhadap perilaku konsumtif dan berpengaruh positif terhadap kontrol diri. Selanjutnya, kontrol diri terbukti memediasi literasi keuangan dan perilaku konsumtif. Penelitian ini menyimpulkan bahwa literasi keuangan yang baik mendorong terbentuknya kontrol diri yang kuat, yang menjadi faktor utama dalam menekan perilaku konsumtif. mahasiswa perlu memperkuat literasi keuangan dan kontrol diri dengan membuat daftar belanja serta menunda pembelian impulsif.
Modification Of The SERVQUAL Model With Sharia Compliance Dimension In The Digital Services Of Indonesian Islamic Bank Irmadatus Sholekhah; Dibyo Waskito Guntoro; Ahmad Alwi
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 2 (2026): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i2.13174

Abstract

The digital transformation in the Islamic banking industry presents a unique challenge: harmonizing technological convenience with compliance with Sharia principles. This study aims to test a modified SERVQUAL model by incorporating the Sharia Compliance dimension in assessing the digital service quality of Bank Syariah Indonesia (BSI). A quantitative approach was employed involving 50 active BSI customers in Jember Regency, selected through random sampling. Data were collected using a Likert-scale questionnaire (1–4) and analyzed using multiple linear regression with IBM SPSS 21. Validity and reliability tests indicated that the research instrument fell into the excellent category, with Cronbach's Alpha values exceeding 0.9 for all variables. The main findings reveal that the Sharia Compliance dimension exerts a significant influence on service quality, with an effective contribution of 58.2 percent. In contrast, customer loyalty had no significant effect, accounting for only 5.76 percent. Simultaneously, both variables explained 64 percent of the variation in service quality.
Muslim Consumer Behavior Towards Purchasing Food and Beverage Produtcs Without a Halal Label Irmadatus Sholekhah; Dibyo Waskito Guntoro; Dwi Herlindawati
Et-Tijarie Vol 11, No 1: Juni 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v11i1.34451

Abstract

The expansion of food and beverage products without halal labels in Indonesia poses challenges for the country's Muslim-majority population, as Islamic law requires the consumption of halal products. This qualitative study explores the purchasing decisions of Muslim consumers toward non-halal-labeled products. Using a descriptive qualitative approach, data were collected through in-depth interviews with 14 Muslim consumers in Jember Regency, East Java, selected through snowball sampling. The qualitative approach was employed to capture the contextual factors and subjective considerations underlying consumers' decisions. The findings reveal a gap between consumers' awareness of the importance of halal certification and their actual purchasing behavior. Despite recognizing the halal label as an important indicator of religious compliance, many respondents continue to purchase non-labeled products based on trust in the product's ingredients, brand reputation, manufacturer, and assumptions of inherent halalness. Purchasing decisions are also influenced by social recommendations, urgent situations, and sensory factors such as taste and product popularity. In the absence of halal certification, consumers frequently rely on alternative indicators, including the producer's Muslim identity, product origin, and word-of-mouth information, to assess halal status. These findings highlight the complexity of Muslim consumer behavior and provide insights for policymakers and businesses in strengthening halal assurance and consumer trust.
Dampak Alih Fungsi Lahan terhadap Perubahan Aspek Sosial dan Aspek Ekonomi (Studi Kasus Warga RW 10, Kebonagung, Kaliwates, Jember) Iyus Nita Mawaddah; Lisana Oktavisanti Mardiyana; Irmadatus Sholekhah; Muthmainnah Muthmainnah; Putri Wulandari
Tabela Jurnal Pertanian Berkelanjutan Vol. 4 No. 2 (2026): Edisi Juli
Publisher : Ilmu Bersama Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56211/tabela.v4i2.1873

Abstract

Indonesia terus mengalami pertumbuhan penduduk mengakibatkan peningkatan tutupan hutan dan non-hutan. Peningkatan populasi manusia menjadi penyebab meningkatnya permintaan akan kawasan pemukiman yang menjadi faktor konversi lahan. Kondisi ini terjadi pada warga RW 10, Kelurahan Kebonagung, Kecamatan Kaliwates, Kabupaten Jember. Tujuan penelitian ini adalah mengetahui dampak konversi lahan terhadap aspek sosial meliputi adaptasi sosial, stratifikasi sosial, perubahan sosial, dan mobilitas sosial serta aspek ekonomi meliputi pekerjaan, pendapatan, dan aset kepemilikan. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kualitatif. Proses Pengumpulan data penelitian melalui observasi dan wawancara dengan partisipan pada Desember 2025. Wawancara dilakukan secara mendalam baik sebelum maupun saat penelitian kepada subjek penelitian berjumlah 29 orang meliputi petani dan non-petani. Partisipan dipilih sesuai kriteria berdasarkan tujuan penelitian yaitu warga terdampak adanya konversi lahan, warga yang menempati wilayah baru setelah disediakan oleh pihak pelaku konversi lahan dan warga yang merupakan petani pemilik sawah di daerah konversi lahan. Wawancara dilakukan dengan cara tanya jawab oleh partisipan penelitian secara langsung menggunakan pedoman wawancara yang telah disusun oleh peneliti terkait aspek sosial dan aspek ekonomi. Hasil penelitian ini menunjukkan bahwa terjadinya alih fungsi lahan dinilai berdampak positif dan negatif jika dilihat dari aspek sosial karena banyak gagasan baru dan fasilitas publik yang sebelumnya belum ada. Sementara itu, dalam aspek ekonomi, terjadinya konversi lahan dinilai berdampak negatif, terutama bagi buruh tani yang tidak dapat berkembang dalam kegiatan yang menghasilkan pendapatan. Selain itu, aset yang dimiliki warga atas nama sendiri sebelum konversi lahan terjadi, saat ini tidak lagi mereka miliki.
Analisis Inovasi Produk di Graha Macarina Jember Agil Febriana; Sukidin Sukidin; Irmadatus Sholekhah; Sela Rachmawati4
MAMEN: Jurnal Manajemen Vol. 5 No. 3 (2026): Juli 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v5i3.8256

Abstract

Studi ini bertujuan untuk menganalisis inovasi produk di UMKM Graha Macarina dalam mendukung keberlanjutan bisnis, metode penelitian menggunakan penelitian deskriptif kualitatif dengan pendekatan studi kasus. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi yang melibatkan pemilik usaha, staf produksi, dan konsumen. Studi ini berfokus pada kualitas produk, varian produk, serta gaya dan desain produk. Hasil penelitian menunjukkan bahwa Graha Macarina mempertahankan kualitas produk melalui bahan baku berkualitas, proses produksi yang terstandarisasi, peningkatan kebersihan, dan penggunaan teknologi mesin spinner untuk menghasilkan produk yang renyah dan rendah minyak. Inovasi produk juga dilakukan melalui pengembangan berbagai rasa dan produk baru seperti shake Macarina dan camilan campuran yang disesuaikan dengan preferensi konsumen, terutama mahasiswa, sementara desain kemasan dibuat lebih praktis, menarik, dan informatif. Studi ini menunjukkan bahwa kemampuan untuk memanfaatkan sumber daya internal, menjaga konsistensi produk, dan beradaptasi dengan tren pasar berkontribusi pada keunggulan kompetitif dan keberlanjutan bisnis. Namun, perbaikan masih diperlukan dalam hal kebersihan pekerja, fasilitas produksi, dan legalitas usaha untuk lebih mengoptimalkan kualitas produk dan daya saing.
Pengaruh Promosi Flash Sale Terhadap Pembelian Impulsif Dimediasi Oleh Emosi Positif Pada Shopee Farhan Aditya Maulana; Hety Mustika Ani; Irmadatus Sholekhah
Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Vol 14, No 1 (2026): Transformasi Bisnis Berkelanjutan
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/je.v14i1.23176

Abstract

Kajian ini memiliki tujuan guna menganalisis dampak promosi flash sale pada pembelian impulsif dengan emosi positif sebagai variabel mediasi pada produk fashion di Shopee. Metode kajian yang diterapkan ialah explanatory research dengan pendekatan kuantitatif. Sampel penelitian berjumlah 110 mahasiswa S1 Fakultas Keguruan dan Ilmu Pendidikan Universitas Jember yang aktif menggunakan aplikasi Shopee dan pernah membeli produk fashion saat promosi flash sale. Teknik pengambilan sampel menerapkan purposive sampling, sedangkan analisis data dilakukan menerapkan metode Structural Equation Modeling Partial Least Square (SEM-PLS) dengan bantuan software SmartPLS 3.2.9. Perolehan kajian ini mengindikasikan bahwasanya promosi flash sale berpengaruh positif serta signifikan pada emosi positif, namun tidak berdampak langsung pada pembelian impulsif. Emosi positif terbukti berpengaruh signifikan terhadap pembelian impulsif serta memediasi hubungan antara flash sale dan pembelian impulsif. Kajian ini menegaskan bahwasanya strategi promosi akan lebih efektif apabila mampu membangkitkan emosi positif konsumen.
PERBEDAAN HASIL BELAJAR MENGGUNAKAN MODEL PBL BERBANTUAN NEARPOD DENGAN MODEL PBL BERBANTUAN PPT Diva Catur Kurniawan; Lisana Oktavisanti Mardiyana; Irmadatus Sholekhah
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 11, No 2 (2026): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v11i2.6138

Abstract

The study aims to determine the differences in learning outcomes  in implementing the Nearpod-assisted PBL model with PowerPoint. The research location at SMAN 1 Gambiran is a research sample of class X4 students as the control class and class X1 as the experimental class. The experimental method is a Posttest Nonequivalent Control Group Design. Treatment through the same learning model with different media. The following stages through the process of normality testing, homogeneity and hypothesis testing applying the T test. Related results show there are significant differences in learning outcomes for both classes. The average acquisition of the experimental class is 82.44, the value is higher than the control class of 74.25. Thus, it can be concluded that the PBL model assisted by Nearpod has a significant influence on learning outcomes. This study has several limitations including the research sample only involving two classes and only focusing on students' cognitive learning outcomes has not examined other aspects such as learning motivation or critical thinking skills. The study was conducted in a relatively short time so it has not shown the long-term impact of using the Nearpod-assisted PBL model on student learning outcomes.
Development of AI-based interactive digital modules to enhance innovation in economics learning Dwi Herlindawati; Irmadatus Sholekhah; Sri Kantun; Titin Kartini; Tiara Tiara
Jurnal Pembangunan Pendidikan: Fondasi dan Aplikasi Vol. 13 No. 1 (2025): June
Publisher : Graduate School, Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jppfa.v13i1.67329

Abstract

Rapid technological advancements in the digital era require teachers to continuously innovate in selecting effective learning media. Artificial intelligence (AI) offers new opportunities to enhance instructional quality through more adaptive, interactive, and personalized digital learning resources. This study aims to develop and evaluate an AI-based interactive digital module for senior high school economics instruction. Employing a research and development (R&D) approach with the ADDIE model — Analysis, Design, Development, Implementation, and Evaluation — the study conducted expert validations and large-scale trials involving five economics teachers and 158 Grade XI students across five public senior high schools in Jember Regency. The module was assessed using five core criteria of e-module quality. Results show that the module achieved excellent ratings across all categories: self-instruction (96.36%), self-contained (96%), stand-alone (94.10%), adaptive (99.66%), and user-friendly (97.36%), with an overall average score of 96.70%. These findings indicate that the AI-based interactive module is highly feasible and effective for supporting economics learning, addressing the limitations of conventional instructional materials, and aligning with the demands of digital learning in the Industrial Revolution 4.0 era. The study concludes that the developed module can serve as a valuable instructional innovation for economics teachers, enhancing both learning engagement and the quality of technology-integrated education.
An e-module development for vocational accounting students: Project-based learning media Niken Purnamasari; Irmadatus Sholekhah; Dibyo Waskito Guntoro
Wiyata Dharma: Jurnal Penelitian dan Evaluasi Pendidikan Vol 13 No 1 (2025)
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/wd.v13i1.18165

Abstract

The limited adequate learning resources and productive subject teaching materials for vocational school students open up opportunities to develop teaching materials integrated with technology to master 21st-century skills. This research aims to develop e-modules based on Project-Based Learning to improve the skills of vocational school students. Development research is built with the ADDIE development model (Analysis, Design, Development, Implementation, Evaluation). This research is limited to the development stage at Wonosari Muhammadiyah Vocational School involving Class X Accounting Students. The e-module feasibility test was carried out by involving material experts, media experts, and student responses. Data collection was carried out through interviews, observations, and questionnaires. The feasibility of the e-module was analyzed using scores converted into four quantitative categories. The research output is in the form of an e-module softfile and guidelines for teachers and students. The e-module is also uploaded to the website to make it easier to access via a mobile web browser. The material validation test got an average score of 3.49 in the very decent category, while the media validation test got an average score of 3.58 in the very decent category. Furthermore, the student response results in the main field trial were 3.22, and the operational field trial was 3.33, getting the very feasible category. This e-module is appropriate for accounting learning to improve students' skills.
Co-Authors Abdussalam Abdussalam Agil Febriana Ahmad Alwi Alifia Farrah Almira Anna Widayani Ariza Arisandi Chandra Anugrah Putra Dibyo Waskito Guntoro Dibyo Waskito Guntoro Diva Catur Kurniawan Dwi Herlindawati Farhan Aditya Maulana Galey Riza Achmadan Hety Mustika Ani Irvan Mahendra Iyus Nita Mawaddah Jefri Rieski Triyanto Lisana Oktavisanti Mardiyana Marjono Marjono Muhammad Jailani Muhammad Subandi Muthmainnah Muthmainnah Niken Purnamasari Putri Wulandari Retna Ngesti Sedyati S Sukidin Sela Rachmawati4 Sri Kantun Tiara Tiara Titin Kartini Woro Mulyaningsih