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All Journal Jurnal Mirai Management SEIKO : Journal of Management & Business Jurnal Mantik Journal of Enterprise and Development (JED) Revitalisasi : Jurnal Ilmu Manajemen Reswara: Jurnal Pengabdian Kepada Masyarakat Economics and Digital Business Review ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Majalah Ilmiah UPI YPTK Kontigensi: Jurnal Ilmiah Manajemen Jurnal Ekonomi Innovative: Journal Of Social Science Research Nanggroe: Journal Of Scholarly Service Jurnal Pengabdian West Science Jurnal Lentera Pengabdian Jurnal Inovasi Pengabdian Masyarakat IIJSE
Zulfa Zakiatul Hidayah
Universitas Pelita Bangsa
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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Creation of Micro Market Structure in MSMEs in Review of Social Entrepreneurship Involvement, Government Policy and Empowerment Prasetyo Harisandi; Ilham Muhammad Mardiputra; Zulfa Zakiyatul Hidayah; Steven Jordan Alvaro Ramba; Purwanto Purwanto
Kontigensi : Jurnal Ilmiah Manajemen Vol 12 No 1 (2024): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v12i1.534

Abstract

In order to better understand the role of social entrepreneurship, government policies, and empowerment initiatives, this study looks at how micromarket structure is created in micro, small, and medium-sized firms (MSMEs) in Indonesia. In order to conduct a survey with a stratified random sample of 215 Indonesian MSMEs, this study used a quantitative technique. Data analysis techniques included partial least squares structural equation modeling (PLS-SEM) and confirmatory factor analysis. The findings demonstrate the important influence of social entrepreneurship, governmental policies, and empowerment programs on the evolution of micro-market structures within the MSME sector. Social entrepreneurship in particular shows the potential of creative and socially conscious business ideas and has a positive effect on market structure. While empowerment programs like loan availability and training help to create a competitive market structure, government policies also have a significant impact on how the market is shaped. Policymakers, business owners, and development organizations that want to support effective and long-lasting market networks in Indonesia's MSMEs sector should take note of these findings.
Understanding Debt Dynamics: The Role of Financial Literacy, Income, and Lifestyle with Gender as a Moderating Variable Zulfa Zakiatul Hidayah; Erin Soleha
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5969

Abstract

This research aims to prove the extent to which the relationship between Financial Literacy, Income, and Lifestyle influences Debt Behavior, apart from that, judging from the psychological factors, women and men have different emotions, which is quite an important consideration in moderating debt behavior, so researchers use gender as a moderating variable. This research has a research focus on Social Humanities, Arts and Culture, and Education with the theme of Economics and human resources on the topic of strengthening human resource capacity which focuses on gender justice, social inclusion, and sustainability following applicable guidelines (Kementrian Pendidikan, Kebudayaan, Riset, 2024). The method used in this research is mixed, namely Quantitative and Quantitative (Quan-Qual). The primary data is collected by distributing questionnaires directly and conducting direct interviews with respondents, while secondary data is in the form of scientific articles and other data that are used as references. The population in this research is all people in the province of West Java. Samples were collected using the Accidental Sampling technique, and statistical testing tools using Structural Equation Modeling (SEM) with SmartPLS software. The research results show that financial literacy, lifestyle, and gender directly influence investment behavior, while income has no impact. Indirectly, financial literacy, income, and lifestyle moderated by gender do not influence investment behavior, meaning that neither men nor women have any influence.
What factors affecting firm value during IPOs? A study at the Indonesia Stock Exchange Abdul Latif; Indra Permana; Zulfa Zakiatul Hidayah
Journal of Enterprise and Development (JED) Vol. 5 No. 3 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v5i3.7519

Abstract

Purpose — The objective of this study is to examine the factors that impact the value of a company over both the short and long term. These factors include variables such as the company's size, the reputation of the underwriter and auditor, the industry sector in which it operates, and the number of shares outstanding during the initial public offering (IPO).Method — In this study, a quantitative causality approach with analytical properties is employed as the method of analysis. The population under investigation consists of companies that conducted initial public offerings (IPOs) between the years 2020 and 2022. A sample size of 113 companies is selected using a specific sampling approach for research purposes. To analyze the data, a binary logistic regression model is applied, along with the use of statistical tools.Result — The conducted research has yielded several findings. Firstly, it indicates that the variable of company size does not have a significant impact. Secondly, the variable of underwriter reputation also does not have a significant effect. Thirdly, the variable of auditor reputation does not significantly influence firm value. Fourthly, the stock variable does not significantly affect firm value. Lastly, the research highlights that the industry sector variable has a significant impact on firm value.Contribution — The research is expected to contribute to the academic field and benefit capital market players by addressing the factors that should be considered when making investment decisions in the capital market.
Interconnected economies: Assessing the impact of major global stock exchanges and macroeconomic factors on the Indonesian stock market Abdul Latif; Zulfa Zakiatul Hidayah; Dian Rachmawati Afandi
Journal of Enterprise and Development (JED) Vol. 6 No. 1 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i1.9463

Abstract

Purpose — The purpose of this study is to examine the influence of global stock exchanges indices—the Dow Jones Industrial Average (DJIA) index, the Shanghai Stock Exchange (SSE) index, and the Nikkei 225 (N225) index—and macroeconomic variables (exchange rate and inflation) on the movement of the Jakarta Composite Index (JCI).Method — The data analysis method used in this study is quantitative causality with the GARCH model technique. The samples include the JCI, global stock exchanges (DJIA, SSE, N225) indices, and macroeconomic variables (exchange rate, inflation) based on monthly secondary data from 2017 to 2022, encompassing 72 months of observation.Result — The results showed that the global stock market variables of the DJIA and the SSE indices had a significant positive effect, while the N225 index had a significant effect on the JCI. Regarding macroeconomic variables, the exchange rate had a significant negative effect, whereas inflation did not affect the JCI.Novelty  — The novelty of this research, compared to previous studies, lies in the more recent research period, which spans from 2017 to 2022, and the inclusion of inflation variables, which have not been explored in prior studies.
Digitalisasi Investasi: Bagaimana Financial Technology Dan Financial Literacy Mempengaruhi Keputusan Investasi Investor Muda Widiastuti Widiastuti; Zulfa Zakiatul Hidayah; Fiqih Maria Rabiatul Hariroh; Hafsari Prabhamanik Faddila; Dwi Auli Ramadhania
Jurnal Mirai Management Vol 11, No 2 (2026)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v11i2.12451

Abstract

Generasi Z saat ini menjadi salah satu kelompok yang aktif dalam kegiatan investasi seiring dengan perkembangan teknologi dan kemudahan akses informasi di era digital. Kemajuan financial technology memungkinkan proses investasi dilakukan dengan lebih cepat dan praktis, namun kemudahan tersebut tidak selalu diimbangi dengan tingkat financial literacy yang memadai, sehingga berpotensi memengaruhi kualitas keputusan investasi yang diambil. Kurangnya pemahaman mengenai risiko dan pengelolaan keuangan dapat mendorong individu mengambil keputusan investasi yang kurang rasional dan berpotensi menimbulkan kerugian. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh financial technology dan financial literacy memiliki pengaruh tidak terhadap keputusan investasi pada generasi Z di Kabupaten Bekasi. Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data primer melalui penyebaran kuesioner kepada responden yang dipilih menggunakan teknik accidental sampling. Populasi dalam penelitian ini adalah generasi Z di Kabupaten Bekasi, dengan analisis data menggunakan metode Structural Equation Modelling (SEM) berbasis Partial Least Square (PLS) melalui software SmartPLS. Hasil penelitian menunjukan bahwa financial technology tidak memiliki pengaruh terhadap Keputusan investasi generasi z di Kabupaten Bekasi, sedangkan financial literacy memiliki pengaruh terhadap Keputusan investasi. Kata Kunci: Generasi z; Financial Technology; Financial Literacy; Investasi; Keputusan Investasi
Analisis Personal Financial Management Behavior: Integrasi Financial Literacy, Financial Attitude, dan Self-Control Zulfa Zakiatul Hidayah; Erin Soleha; Rizka Estisia Pratiwi; Laras Hinda Mulia Fadjri
Jurnal Mirai Management Vol 11, No 2 (2026)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v11i2.12450

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh financial literacy, financial attitude, dan self-control terhadap Personal Financial Management Behavior pada Generasi Z di Kabupaten Bekasi. Penelitian ini didasarkan pada meningkatnya penggunaan layanan keuangan digital di kalangan Generasi Z yang di satu sisi memberikan kemudahan dalam pengelolaan keuangan, namun di sisi lain juga meningkatkan risiko perilaku konsumtif. Penelitian menggunakan pendekatan kuantitatif asosiatif dengan teknik non-probability sampling melalui accidental sampling. Data primer diperoleh melalui penyebaran kuesioner kepada 245 responden Generasi Z di Kabupaten Bekasi. Analisis data dilakukan menggunakan metode Partial Least Square (PLS) dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa financial literacy berpengaruh positif dan signifikan terhadap Personal Financial Management Behavior dengan koefisien jalur 0,256 dan p-value 0,005. Financial attitude juga berpengaruh positif dan signifikan dengan koefisien jalur 0,807 dan p-value 0,000, serta menjadi variabel yang paling dominan. Sementara itu, self-control berpengaruh signifikan terhadap Personal Financial Management Behavior dengan p-value 0,000, namun menunjukkan arah hubungan negatif dengan koefisien jalur -0,361. Secara simultan, ketiga variabel mampu menjelaskan 50,2% variasi Personal Financial Management Behavior. Temuan ini menegaskan pentingnya penguatan literasi keuangan, pembentukan sikap keuangan yang positif, dan pengembangan kontrol diri dalam meningkatkan perilaku pengelolaan keuangan pribadi Generasi Z.
Multidimensional Synergy in Employee Performance Escalation: Analysis of Leadership Roles, Work Environment, and Motivation Daspar Daspar; Zulfa Zakiatul Hidayah; Novi Fitria Hermiati; Shafiera Lazuarni; Annisa Aulia Aryani
Economics and Digital Business Review Vol. 7 No. 2 (2026)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i2.4017

Abstract

The importance of employee performance as a primary factor in determining an organization's success amid increasingly competitive business environments. Employee performance is a key factor in determining an organization's success and sustainability; therefore, a more comprehensive understanding of the factors that influence it is necessary. To achieve optimal performance, organizations need to consider various influencing factors, including leadership, the work environment, and motivation. The purpose of this study is to further investigate how leadership, the work environment, and motivation impact improvements in employee performance. A mixed-methods approach was used. Primary data were collected via questionnaires and interviews with experts, while secondary data were obtained from articles and other reference materials. The population comprised of working students enrolled at Pelita Banga University in Bekasi Regency. The sample was selected using accidental sampling. Structural Equation Modeling (SEM) was employed as the statistical analysis method using SmartPLS software. The results indicate that leadership has a positive effect on employee performance, the work environment has a positive effect on employee performance, and motivation has a positive effect on employee performance.
Program Penguatan Manajemen Keuangan Berbasis Digital (Financial Management Enhancement Program) untuk UMKM Sesri Sellina; Etty Zuliawati Zed; Zulfa Zakiatul Hidayah; Febri Sari Siahaan; Eva Rostiana
Jurnal Pengabdian West Science Vol 5 No 08 (2026): Jurnal Pengabdian West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jpws.v5i08.3806

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) desa memiliki peran penting dalam perekonomian lokal, namun masih menghadapi berbagai kendala, terutama dalam aspek manajemen keuangan dan pemanfaatan teknologi digital. Program Penguatan Manajemen Keuangan Berbasis Digital (Financial Management Enhancement Program) merupakan upaya pemberdayaan yang bertujuan untuk meningkatkan kapasitas pelaku UMKM desa dalam mengelola keuangan usaha secara lebih sistematis, efektif, dan berbasis teknologi. Program ini dilaksanakan melalui beberapa tahapan, yaitu persiapan, perancangan, sosialisasi, pelatihan, pendampingan, serta monitoring dan evaluasi, dengan pendekatan partisipatif dan metode learning by doing. Hasil pelaksanaan program menunjukkan adanya peningkatan literasi keuangan peserta, kemampuan dalam melakukan pencatatan keuangan secara sistematis, serta meningkatnya adopsi aplikasi keuangan digital. Selain itu, program ini juga mendorong perubahan perilaku pelaku UMKM dalam mengelola keuangan usaha, seperti pemisahan keuangan pribadi dan usaha serta pencatatan transaksi yang lebih konsisten. Meskipun dampak terhadap peningkatan pendapatan belum signifikan dalam jangka pendek, program ini mampu meningkatkan efisiensi pengelolaan usaha dan kualitas pengambilan keputusan. Program ini memiliki potensi untuk meningkatkan kinerja dan keberlanjutan UMKM desa secara jangka panjang serta dapat direplikasi sebagai model pemberdayaan berbasis digital.
Optimalisasi Usaha Kuliner Nasi Cokot Melalui Inovasi Produk, Branding Visual, Dan Strategi Pemasaran Untuk Meningkatkan Daya Saing Usaha Dwi Astuti; Zulfa Zakiatul Hidayah; Nataliana Bebasari; Parulian Parulian; Sri Mulyati
Lentera Pengabdian Vol. 4 No. 03 (2026): Juli 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v4i03.1520

Abstract

Usaha kuliner mikro berbasis makanan tradisional memiliki potensi besar untuk berkembang, namun sebagian besar pelakunya masih terkendala pada aspek produksi, manajemen, dan pemasaran yang belum tertata. Kegiatan pengabdian kepada masyarakat ini bertujuan mengoptimalkan usaha Nasi Cokot di wilayah Bekasi, sebuah usaha kuliner keluarga yang selama ini berjalan tanpa identitas merek dan sistem pengelolaan yang memadai. Metode pelaksanaan dirancang dalam lima tahapan, yaitu sosialisasi, pelatihan, penerapan teknologi, pendampingan dan evaluasi, serta penyusunan strategi keberlanjutan, dengan melibatkan mahasiswa Program Studi Manajemen dan Desain Komunikasi Visual sebagai pendamping lapangan selama empat bulan. Hasil kegiatan menunjukkan lahirnya tiga varian menu baru beserta kartu resep standar, penerapan pembukuan digital dan perhitungan harga pokok produksi, perancangan logo dan kemasan bermerek, serta aktivasi akun media sosial dan platform pesan-antar makanan daring yang mendorong pertumbuhan pengikut hingga melampaui target dan peningkatan rata-rata transaksi harian mitra. Kegiatan ini menyimpulkan bahwa pendampingan yang menyentuh hulu hingga hilir usaha mampu mendorong transformasi usaha mikro kuliner menjadi lebih profesional, bermerek, dan berdaya saing di pasar digital.
Co-Authors Abdul Latif Andrianto Prasetya Nugroho Annisa Aulia Aryani Daspar Daspar Dian Rachmawati Afandi Dwi Astuti Dwi Auli Ramadhania Erin Soleha Erin Soleha Erna Apriani Etty Zuliawati Zed Eva Rostiana Febri Sari Siahaan Fiqih Maria Rabiatul Hariroh Hafsari Prabhamanik Faddila Ilham Muhammad Mardiputra Indra Permana Isarianto Isarianto Laras Hinda Mulia Fadjri Nataliana Bebasari Novi Fitria Hermiati Parulian Parulian Prasetyo Harisandi Prasetyo Harisandi Prasetyo sandi Pupung Purnamasari Pupung Purnamasari Purwanto Purwanto Ridwan Muhsoni Rizka Estisia Pratiwi Sesri Sellina Shafiera Lazuarni Sri Mulyati Steven Jordan Alvaro Ramba Widiastuti Widiastuti Wiyarno Wiyarno W