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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Enrichment : Journal of Management Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Kewarganegaraan IJECS: Indonesian Journal of Empowerment and Community Services Jurnal Ekonomi AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Jurnal PADAMU NEGERI (Pengabdian pada Masyarakat Bidang Eksakta) Journal of Economic and Management (JECMA) Journal of Accounting and Finance (JACFIN) Journal of Education Technology Information Social Sciences and Health Journal of Artificial Intelligence and Digital Business Indonesian Journal of Multidisciplinary on Social and Technology Journal of Law, Education and Business JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah Journal of Innovative and Creativity JIMEK KREATIF: Jurnal Pengabdian Masyarakat Nusantara Optimal: Jurnal Ekonomi dan Manajemen
Roni Roni
Program Studi Akuntansi, Fakultas Ekonomi Dan Bisnis Universitas Muhadi Setiabudi
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Neuroscience Nursing Physics Public Health Social Sciences Transportation Other

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Pengaruh Literasi Keuangan, Pendapatan, dan Gaya Hidup terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhadi Setiabudi Anggi Saraswati; Roni Roni; Mohamad Badrun Zaman; Dumadi Dumadi; Hilda Kumala Wulandari
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 6 No. 3 (2026): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v6i3.2147

Abstract

Financial management remains a challenge for many university students despite their exposure to financial education, as inadequate financial literacy, limited income, and consumptive lifestyles often influence financial decision-making. This study aims to examine the effects of financial literacy, income, and lifestyle on the financial behavior of students at the Faculty of Economics and Business, Universitas Muhadi Setiabudi. A quantitative associative approach was employed using primary data collected through questionnaires. The study involved 113 respondents selected from a population of 403 students using the Slovin formula and purposive sampling technique. Data were analyzed through multiple linear regression supported by validity and reliability testing, classical assumption tests, t-tests, F-tests, and the coefficient of determination using SPSS. The findings indicate that financial literacy, income, and lifestyle each have a positive and significant effect on students' financial behavior. Financial literacy emerged as the most influential factor among the independent variables. Simultaneously, the three variables significantly explain students' financial behavior, with an Adjusted R Square value of 54.9%, while the remaining 45.1% is influenced by other factors outside the research model. These findings highlight the importance of strengthening financial literacy alongside responsible financial management practices among university students.
Pengaruh Penggunaan Paylater dan Gaya Hidup terhadap Perilaku Konsumtif Ibu Rumah Tangga di Desa Siandong Fadhilatun Nisa; Anisa Sains Kharisma; Nasiruddin Nasiruddin; Dumadi Dumadi; Roni Roni
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 3 (2026): Juli - Oktober
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i3.13042

Abstract

Perkembangan financial technology (fintech), khususnya layanan paylater, telah mengubah pola transaksi dan perilaku konsumsi masyarakat dengan menawarkan kemudahan, kecepatan, serta fleksibilitas dalam melakukan pembayaran. Kemudahan transaksi, promosi digital, dan perubahan gaya hidup berpotensi mendorong peningkatan perilaku konsumtif, termasuk pada ibu rumah tangga yang memiliki peran penting dalam pengelolaan keuangan keluarga. Penelitian ini bertujuan menganalisis pengaruh penggunaan paylater dan gaya hidup terhadap perilaku konsumtif ibu rumah tangga di Desa Siandong, Kecamatan Larangan, Kabupaten Brebes. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif kausal. Populasi penelitian berjumlah 4.009 ibu rumah tangga dengan sampel sebanyak 98 responden yang ditentukan menggunakan rumus Slovin dan teknik purposive sampling. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis menggunakan regresi linear berganda, uji t, uji F, serta koefisien determinasi. Hasil penelitian menunjukkan bahwa penggunaan paylater berpengaruh positif dan signifikan terhadap perilaku konsumtif dengan nilai t sebesar 7,305 dan signifikansi 0,000. Gaya hidup juga berpengaruh positif dan signifikan dengan nilai t sebesar 4,916 dan signifikansi 0,000. Secara simultan, kedua variabel berpengaruh signifikan dengan nilai F sebesar 119,688 dan signifikansi 0,000. Nilai R² sebesar 0,716 menunjukkan bahwa penggunaan paylater dan gaya hidup mampu menjelaskan 71,6% variasi perilaku konsumtif. Dengan demikian, peningkatan literasi keuangan diperlukan agar pemanfaatan paylater lebih bijak, terencana, dan sesuai kebutuhan keluarga.
Pengaruh Literasi Keuangan, Sikap Keuangan dan Pengendalian Diri terhadap Pengelolaan Keuangan : (Studi Empiris pada Mahasiswa Universitas Muhadi Setiabudi Brebes) Melin Novita Sari; Dumadi Dumadi; Hilda Kumala Wulandari; Roni Roni
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 3 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i3.7301

Abstract

Lack of understanding of basic financial concepts, less positive attitudes towards financial management and difficulty controlling oneself in financial matters lead to poor financial management. This study aims to determine the effect of financial literacy, financial attitudes and self-control on financial management in students of Muhadi Setiabudi University. This research was conducted using a quantitative descriptive approach. The population in this study were active students of Muhadi Setiabudi University in 2021-2024 totaling 1,033 people. The sampling technique used the Slovin formula with a 5% margin of error so that 289 people were obtained. The data used were primary data in the form of questionnaires. Data analysis techniques with multiple linear regression analysis using SPSS. The results of the study showed that the financial literacy variable has a positive and very significant effect on student financial management, the financial attitude variable has a positive and very significant effect on student financial management, the self-control variable has a positive and very significant effect on student financial management and simultaneously financial literacy, financial attitude and self-control have a positive effect on student financial management.
Pengaruh Tingkat Pendidikan, Ukuran Usaha dan Pemahaman Akuntansi terhadap Pencatatan Pembukuan Sederhana pada UMKM Miitra Mandiri di Kecamatan Brebes Riska Nur Awaliyah; Dumadi Dumadi; Anisa Sains Kharisma; Roni Roni
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 3 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i3.7302

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are one of the main pillars of the national economy, contributing significantly to the gross domestic product and employment absorption. The purpose of this study is to determine the effect of education level, business size, and accounting comprehension on the recording of simple bookepping in Mitra Mandiri MSMEs in Brebes District. This study employs a quantitative approach, with data collected through questionnares, interviews, observation, and documentation. The data analysis techniques used include descriptive statistical analysis, instrumen testing (validity and reliability test), classical assumption test (normality, heteroscedasticity, and multicollinearity), linear regression analysis, hypothesus testing ( t-test ada F-test), and the coeficient of determination, using SPSS Statistic. The result of the partial test show that the education level has a significant influence on simple bookkeeping practices (significance value 0,001< 0,05). Meanwhile, business size (0,404 > 0,05) and accounting comprehension (0,899 > 0,05) do not show a significant individual effect. However, simultaneously, the three variables have a significant influence on bookkeeping practices (significance value 0,001 < 0,05).
Pengaruh Akuntabilitas dan Transparansi terhadap Realisasi APBDes dengan Pertumbuhan Ekonomi sebagai Variabel Intervening: (Studi Empiris di Desa Pejagan Kecamatan Tanjung, Kabupaten Brebes) Tika Safitri; Dumadi Dumadi; Roni Roni; Hilda Kumala Wulandari
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 3 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i3.7304

Abstract

This study aims to analyze the impact of accountability and transparency on the realization of the Village Revenue and Expenditure Budget (APBDes), with economic growth as an intervening variable. The research was conducted in Pejagan Village, Tanjung Subdistrict, Brebes Regency, with the study subjects comprising the entire population of Pejagan Village. A quantitative method was employed, involving both primary and secondary data collection. The research population included all married residents of Pejagan Village, based on family card records, totaling 1,422 individuals. The sample size was determined using the Slovin formula, resulting in 313 respondents. Data were collected through questionnaires distributed to the respondents and analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results reveal that accountability has a positive and significant effect on the realization of APBDes in Pejagan Village. Similarly, transparency also shows a positive and significant influence on APBDes realization. Furthermore, both accountability and transparency are proven to have a positive and significant impact on economic growth. In turn, economic growth has a positive and significant effect on APBDes realization. However, the findings also indicate that accountability and transparency simultaneously influence the realization of APBDes through economic growth. While the indirect effect of accountability on APBDes realization through economic growth is not significant, the indirect effect of transparency through economic growth is significant. These findings underscore the importance of enhancing accountability and transparency in village financial management as essential factors in ensuring effective budget realization and promoting local economic development.
Co-Authors Adik Candra Akbar Nuur Purnama Darma Wahana Alim Mutaqin Amelia Sholeha Andi Yulianto Anggi Saraswati Anggih Anggih Anisa Sains Kharisma Anisa Sains Kharisma Anisa Sains Kharisma Anisa Sains Kharisma Asih Setyaningsih As’sya Sulkhati Baeduri Ayuni Dara Gustiandini Desi Nur Amelia Dian Markhanah Didi Pangestu Dina Ayu Mazidah Dini Daniyati* Diyanah Diyanah Dumadi, Dumadi Dwi Harini Evatul Djannah Fadhilatun Nisa Fera Fadiah Taszha Findhy Dwita Kumala Fora Susanti Hendri Sucipto Hidayatai Cahyani Eka Putri Hidayati Cahyani Eka Putri Hilda Kumala wulandari Hilda Kumalasari Hilda Kumalasari Hilda Kumalasari Wulandari Ikhwan, Syariefful Indah Dewi Mulyani Indriyani, Azizah Intan Nur Faoziah Irna Roseniati Kartika Nurul Aeni Khusnul Khotimah Kristiana, Ari Lili Nur Intan Lina Purwanti Lintang Mulyani M. Badrun Zaman Mafthukin Mafthukin Maftukhin Maftukhin Maylisa Nurdiana Laeli Melin Novita Sari Mohammad Badrun Zaman Muhamad Hasdar Muhammad Badrun Zaman MUHAMMAD SYAIFULLOH Murdiono Musini Niwiarti Nasiruddin Nasiruddin Nasiruddin, Nasiruddin Nida Farikha Nur Khojin Nurbaeti Rizkiyah Nurul Fitriyani Putri Wulandari Rais Puji Rahayu Riono, Slamet Bambang Ririn Widia Astuti Riska Nur Awaliyah Robby Setiadi Roby Setiadi Savitri Zulfa Masfufah Selfiana Selfiana Sita Dwi Yanti Siti Musdalifah Siti Rofiqoh Tika Safitri TITI RAHMAWATI Umamatul Khoeriyah Umisara, Elinda Veronika Hutapea Wahidin Wahidin Wahidin Windy Girmaliya Yenny Ernitawati Zahra Aulanisa Zaman, Mohamad Badrun