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The Influence Of Spiritual Intelligence And Lifestyle On The Management Of Students' Personal Finances Serlina Senansa Senora; Nur Ida Iriani; Moh. Askiyanto
International Journal of Management and Business Vol. 2 No. 4 (2025): October
Publisher : International Research & Development for Human Beings (IRDH)

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The aim of this research is to determine the influence of spiritual intelligence and lifestyle on personal financial management of UNITRI Management students class of 2021, both partially and simultaneously. This type of quantitative research, the research population came from UNITRI Management students class of 2021 totaling 246 people, the sampling technique used cluster (area) random sampling so that 72 people were obtained, the instrument used a questionnaire, data analysis used multiple linear regression analysis, hypothesis testing used the t test (partial ) and F test (simultaneous). The results of multiple linear regression showed that both independent variables had positive regression coefficient values. The results of multiple linear regression analysis also obtained a coefficient of determination R Square of 0.588 (the contribution of the independent variable to the dependent variable was 58.8%). The results of the t-test hypothesis testing (partial) showed that the three independent variables had tcount > ttable values with significance < 0.05 and the results of F hypothesis testing (simultaneous) showed Fcount > Ftable values with significance < 0.05. So it is concluded that spiritual intelligence and lifestyle have a significant influence on the personal financial management of UNITRI Management students class of 2021, both partially and simultaneously. Based on these findings, students are advised to apply spiritual principles, such as simplicity, responsibility and gratitude, in their daily lifestyle.

Tourism Village Development Strategy Through The Role Of Tourism Awareness Community Empowerment Groups (Pokdarwis) (Case Study Of The Sanan Tempe Chips Industry Center Association In Purwantoro Village, Blimbing District, Malang City) Heribertus; Cakti Indra Gunawan; Moh. Askiyanto
International Journal of Management and Business Vol. 2 No. 4 (2025): October
Publisher : International Research & Development for Human Beings (IRDH)

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This study was conducted with the aim of finding out what strategies are carried out by the association in developing the Tempe Sanan tourist village in Purwantoro Village, Blimbing District, Malang City , to find out how the role of the tourism-aware community empowerment group is in developing the Tempe Sanan tourist village in Purwantoro Village, Blimbing District, Malang City , to find out how Public Awareness is towards developing the Tempe Sanan tourist village in Purwantoro Village, Blimbing District, Malang City. The research design in this study uses a qualitative approach method. Research with this qualitative method is research that intends to describe and understand the phenomenon of what is experienced by the research subject, for example regarding the strategy for developing a tourist village through the role of the tourism-aware community empowerment group (pokdarwis). development strategy of Tempe Sanan Tourism Village is Pokdarwis tourism education, which includes teaching about tempe production, preparation, and processing. Pokdarwis Tempe Sanan Tourism Village, must collaborate with the city government and the community to understand the existing market and take advantage of all potential opportunities. However, opening up the knowledge of village communities by socializing about safety in the tourist environment, maintaining cleanliness, preserving tourism assets, and being a friendly host for visitors

Women in Sexual Harassment News in Indonesian Online Media Latif Fianto; Fendiyatmi Kusufa; M. Abdul Ghofur; Mohammad Askiyanto
Jurnal Komunikasi Nusantara Vol 6 No 2 (2024)
Publisher : Unitri Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/jkn.v6i2.2221

Sexual violence experienced by women is nothing new. However, reports in various mass media have left women in an increasingly worse position. This research is intended to uncover and analyze in depth the position of women in online media news texts. This research was operated using quality research, which specifically uses the discourse analysis method which was coined or developed by Sara Mills. The research results explain that the subject position explains the event or thing that is the object. Different from the subject-object position, the writer-reader position explains the writer's position when writing news text and the reader's position when reading the news text that has been written. The reader's position describes what kind of position the author wants to control the reader when reading the text. From this analysis it emerged that the position of women in the subject-object relationship in news texts is still placed as an object, where the existence of women is still ignored. Their existence in the text is represented by other parties who are men, so that women cannot represent themselves, either in social reality or in the text. Abstrak Kekerasan seksual yang dialami perempuan sudah bukan hal baru. Akan tetapi pemberitaan di berbagai media massa telah menyebabkan perempuan berada di posisi yang semakin buruk. Penelitian ini dimaksudkan untuk membongkar sekaligus mengalisa secara mendalam posisi perempuan dalamm teks berita media online. Penelitian ini dioperasikan dengan menggunakan penelitian kaulitas, yangs ecara khusus menggunakan metode analisis wacana yang dicetuskan atau dikembangkan oleh Sara Mills. Hasil penelitian menjelaskan bahwa posisi subjek menjelaskan peristiwa atau sesuatu hal yang menjadi objek. Berbeda dengan posisi subjek-objek, posisi penulis-pembaca menjelaskan bagaimana posisi penulis ketika menulis teks berita dan bagaimana posisi pembaca ketika membaca teks berita yang sudah ditulis tersebut. Posisi pembaca menggambarkan posisi seperti apa yang ingin dikendalikan oleh penulis terhadap pembaca ketika membaca teks. Dari analisis ini kemudian dihasilkan bahwa posisi Perempuan dalam relasi subjek-objek dalam teks berita masih ditempatkan sebagai objek, di mana keberadaan Perempuan masih terabaikan. Keberadaannya di dalam teks diwakili oleh pihak lain yang notabene laki-laki, sehingga Perempuan tidak bisa merepresentasikan diri mereka sendiri, baik di realitas sosial maupun di dalam teks.

Women in Sexual Harassment News in Indonesian Online Media Latif Fianto; Fendiyatmi Kusufa; M. Abdul Ghofur; Mohammad Askiyanto
Jurnal Komunikasi Nusantara Vol 6 No 2 (2024)
Publisher : Unitri Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/jkn.v6i2.2221

Sexual violence experienced by women is nothing new. However, reports in various mass media have left women in an increasingly worse position. This research is intended to uncover and analyze in depth the position of women in online media news texts. This research was operated using quality research, which specifically uses the discourse analysis method which was coined or developed by Sara Mills. The research results explain that the subject position explains the event or thing that is the object. Different from the subject-object position, the writer-reader position explains the writer's position when writing news text and the reader's position when reading the news text that has been written. The reader's position describes what kind of position the author wants to control the reader when reading the text. From this analysis it emerged that the position of women in the subject-object relationship in news texts is still placed as an object, where the existence of women is still ignored. Their existence in the text is represented by other parties who are men, so that women cannot represent themselves, either in social reality or in the text. Abstrak Kekerasan seksual yang dialami perempuan sudah bukan hal baru. Akan tetapi pemberitaan di berbagai media massa telah menyebabkan perempuan berada di posisi yang semakin buruk. Penelitian ini dimaksudkan untuk membongkar sekaligus mengalisa secara mendalam posisi perempuan dalamm teks berita media online. Penelitian ini dioperasikan dengan menggunakan penelitian kaulitas, yangs ecara khusus menggunakan metode analisis wacana yang dicetuskan atau dikembangkan oleh Sara Mills. Hasil penelitian menjelaskan bahwa posisi subjek menjelaskan peristiwa atau sesuatu hal yang menjadi objek. Berbeda dengan posisi subjek-objek, posisi penulis-pembaca menjelaskan bagaimana posisi penulis ketika menulis teks berita dan bagaimana posisi pembaca ketika membaca teks berita yang sudah ditulis tersebut. Posisi pembaca menggambarkan posisi seperti apa yang ingin dikendalikan oleh penulis terhadap pembaca ketika membaca teks. Dari analisis ini kemudian dihasilkan bahwa posisi Perempuan dalam relasi subjek-objek dalam teks berita masih ditempatkan sebagai objek, di mana keberadaan Perempuan masih terabaikan. Keberadaannya di dalam teks diwakili oleh pihak lain yang notabene laki-laki, sehingga Perempuan tidak bisa merepresentasikan diri mereka sendiri, baik di realitas sosial maupun di dalam teks.

EKSPLORASI MODEL TRANSFORMASI SDM UMKM MALANG RAYA DALAM MEWUJUDKAN EKONOMI DIGITAL DAN HIJAU: Transformasi SDM, Ekonomi Hijau, Keberlanjutan Bisnis, Kapabilitas SDM, Strategi Adaptasi Askiyanto, Moh; Fitria Hayuningtyas, Ruri; Audiva, Rizki
Jurnal Paradigma Ekonomika Vol. 20 No. 4 (2025): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jpe.v20i4.47357

Human resource readiness is a critical factor in the success of this transformation; however, various obstacles remain, including limited digital skills, a lack of understanding of green economy principles, and limited access to technology and funding. This study focuses on identifying the factors that influence human resource readiness in MSMEs in adapting to technological advances and sustainability policies. Using a quantitative approach, this study utilises case studies from several SMEs in the Malang region. Data collection was conducted through in-depth interviews with SME operators and policymakers, direct observations, and analysis of policy documents related to digital transformation and the green economy. The collected data will be analysed using thematic analysis to identify patterns and effective strategies for strengthening SME human resources. The research findings indicate that human resource readiness has a significant impact on enhancing SME competitiveness. Competent human resources who are adaptable to technological changes and understand the principles of the green economy have proven capable of driving business transformation toward a more modern and sustainable direction. Digital literacy enables SMEs to access broader markets.

The Influence of Financial Management (Financial Literacy, Financial Planning, And Financial Behavior) on Generation Z For Long-Term Financial Well-Being In Drokilo Village, Kedungadem District, Bojonegoro Regency Rizka Nur Hidayanti; Rizka Aprilia Dwi Susanti; Moh. Askiyanto
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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This study aims to determine the effect of financial management (financial literacy, financial planning, and financial behavior) on generation Z for long-term financial well-being. This study uses a quantitative approach, which focuses on hypothesis testing with statistical analysis tools and produces conclusions that can be generalized. In this study, the sample used was representative of generation Z aged 18-27 years who live in Drokilo Village, Kedungadem District, Bojonegoro Regency. The test tool used was multiple linear regression analysis technique with SPSS 26 software. Data were collected through a questionnaire that included questions about financial literacy, financial planning, and financial behavior. The results of this study indicate that financial literacy, financial planning, and financial behavior have a positive and significant effect on the long-term financial well-being of generation Z. Good financial literacy, financial planning, and financial behavior can help generation Z achieve their financial goals, prevent financial problems, and increase a sense of security and comfort.

The Influence of Financial and Non-Financial Factors on Credit Decisions in The Digital Era For Micro, Small, and Medium Enterprises (MSMEs) in Malang City Magdalena Opi; Ahmad Mukoffi; Moh. Askiyanto; Adrian Junaidar Handayanto
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Finding out how financial and non-financial elements affect lending choices in the digital age for MSMEs in Malang City partly and concurrently was the aim of this research. The study that was carried out used quantitative research methodologies. The study sample consisted of 98 respondents, selected through the simple random sampling technique. The researcher used a questionnaire as the method of data collecting. Using the SPSS version 26 software, multiple linear regression was the data analysis technique used. With a t-value of 6.070, the study's findings demonstrated that partly financial elements significantly influenced credit choices, while non-financial factors significantly influenced credit decisions with a t-value of 5.909. The findings also show that, with an F-value of 61.009, or an impact of 56.2%, both financial and non-financial variables significantly influenced lending choices for MSMEs in Malang City in the digital age. The findings of this research make it clear that both financial and non-financial elements are present and contribute significantly to the use of credit.

Analysis of Company Financial Performance Value Using the EVA (Economic Value Added) Method : A Study of State-Owned Bank Listed on the Indonesia Stock Exchange (IDX) 2020-2023 Frans Charles Yuniarto; Rizki Aprilia Dwi Susanti; Moh. Askiyanto
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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The aim of this research is to determine the financial performance of state-owned banks, namely Bank Mandiri, BRI, and BNI, in terms of Economic Value Added (EVA) analysis. This study employs a qualitative research method. The instruments for this research include financial reports from the state-owned banks Bank Mandiri, BRI, and BNI for the years 2020-2023. Data analysis uses Net Operating Profit After Tax (NOPAT), Invested Capital, Weighted Average Cost Of Capital (WACC), Capital Charges, and Economic Value Added (EVA) calculations. Overall, all three banks, Bank Mandiri, BRI, and BNI, consistently generated positive Economic Value Added (EVA > 0) during the period of 2020-2023, with an average overall EVA of Rp. 27,953,407 (in millions). This positive EVA value indicates that the three banks have successfully created economic value added for shareholders, where the net operating profit after tax (NOPAT) generated exceeds the capital charges incurred.

The Influence of Working Capital Management and ROE (Return On Equity) on Financial Performance at Letter Karya Timur Malang Yohana Bernadita Hingi Purek; Agus Dwi Sasono; Moh. Askiyanto; Nur Ida Iriani
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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The aim of this study is to determine the effect of working capital management and return on equity (ROE) on financial performance at Letter Karya Timur Malang, both partially and simultaneously. Types of Quantitative Research. The data used is secondary data, in the form of financial statements in 2018-2024. Data analysis uses multiple linear regression analysis. Hypothesis testing using the T (partial) test and F test (simultaneous). Multiple linear regression results obtained by the two independent variables have a positive regression coefficient value and the coefficient of R Square's coefficient of 0.813 (contribution of the independent variable to the dependent variable of 81.3%). The results of testing the t (partial) test hypothesis found the two independent variables have a tcount > ttable value, with a significant <0.05; And the results of the F (Simultaneous) hypothesis testing obtained the Fcount > Ftable value, with significant <0.05. So it was concluded that working capital and return on equity (ROE) had a significant effect on financial performance at Letter Karya Timur Malang, both partially and simultaneously. Letter Karya management of East Malang is advised to increase the efficiency of working capital utilization and encourage profitability through cost management, increased profit margin, and optimizing income to support more optimal financial performance.

The Influence of Gender, Financial Literacy, and Financial Technology on Financial Management of Management Students of The 2021 Class, University of Tribhuwana Tunggadewi, Malang Rizki Aprilia Dwi Susanti; Moh. Askiyanto; Muhim Matur Rosidah
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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This study aims to determine the influence of gender, financial literacy, and financial technology on financial management in college students. This research uses a quantitative approach, focusing on hypothesis testing with statistical analysis tools and producing generalizable conclusions. The sample in this study was Management students from the 2021 intake of Tribhuwana Tunggadewi University, Malang. The test tool used was multiple linear regression analysis with SPSS 26 software. Data were collected through a questionnaire that included questions about gender, financial literacy, financial technology, and financial management. The results of this study indicate that gender, financial literacy, and financial technology have a positive and significant influence on student financial management. Good gender, financial literacy, and financial technology can help students achieve their financial goals and prevent financial problems.

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