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All Journal JURNAL AKUNTANSI UNIVERSITAS JEMBER Journal of Accountancy FE UBB Jurnal Pengabdian Kepada Masyarakat Universitas Bangka Belitung JEM: JURNAL EKONOMI DAN MANAJEMEN ECONOS Jurnal Ekonomi dan Sosial Jurnal Ekuivalensi International Journal on Social Science, Economics and Art Daengku: Journal of Humanities and Social Sciences Innovation Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Applied Finance and Business Studies Golden Ratio of Finance Management PEKBIS GEMBIRA (Pengabdian Kepada Masyarakat) Economic: Journal Economic and Business
Suhardi Suhardi
Universitas Pertiba
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Financial Self-Efficacy, Lifestyle, and Peer Influence on Credit Decisions: The Mediating Role of Financial Control in Gen Z Sapira, Bella; Juhari, Juhari; Suhardi, Suhardi; Makrus, Mohamad
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.1082

Abstract

This study examines the influence of financial self-efficacy (FSE), hedonic lifestyle (HL), and peer influence (PI) on financial self-control (FSC), with financial control (FC) as a mediating variable among Generation Z. Amid the increasing complexity of financial decision-making in the digital age, this research highlights the interplay between psychological and social factors in shaping personal financial behavior. Utilizing a quantitative approach and Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected from 124 respondents aged 20–35 with financial decision-making experience. Results show that FSE has a significant positive impact on FC, and FC significantly affects FSC. However, FSE does not directly influence FSC but exerts a significant indirect effect through FC. HL does not directly impact FSC but negatively affects FC, indicating that a hedonistic lifestyle undermines practical financial control. While the indirect effect of HL on FSC is negative, it is statistically insignificant. Conversely, PI significantly influences both FC and FSC directly, although its mediation via FC is not significant. These findings underscore the critical mediating role of financial control. Practical financial education programs should address not only knowledge but also psychological confidence and social influences to enhance financial self-regulation in young adults.
The Effect of Product Quality on Purchasing Decisions with Customer Reviews and Ratings as Intervening Variables Arsita, Herlin; Suhardi, Suhardi; Firdaus, Rahmad; Kurniadi, Dedi
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.1083

Abstract

This study seeks to investigate the impact of Product Quality on Consumer Purchase Choice, utilising Customer Reviews and Ratings as mediating variables. The methodology used in this study is Partial Least Squares-Structural Equation Modelling (PLS-SEM) facilitated by SmartPLS software. Data was collected from 228 participants who had experience in online shopping. The research findings revealed that Product Quality exerted a positive and significant influence on Customer Reviews and Ratings, as well as on Purchase Decision. In addition, Customer Reviews and Ratings were found to positively influence Purchase Decision, albeit to a lesser magnitude compared to Product Quality. These results underscore the idea that Product Quality is an important determinant of Purchase Decision, while Reviews and Customer Ratings serve as additional factors that can enhance the decision. The implications derived from this study suggest that organisations should prioritise improving product quality as a fundamental strategy, while also managing customer reviews and ratings to increase favourable perceptions of their products.
THE INFLUENCE OF LEADERSHIP COMPETENCIES, STAKEHOLDER PARTICIPATION, AND TECHNOLOGY UTILIZATION ON EDUCATION QUALITY WITH DIGITAL TRANSFORMATION AS AN INTERVENING VARIABLE Rahayu, Olivia; Suhardi; Hamdan
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 5 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i5.2692

Abstract

This quantitative research analyzes the influence of leadership competencies, stakeholder participation, and technology utilization on the quality of education through the mediation of digital transformation at the basic education level of Pangkalpinang City. Using Structural Equation Modelling (SEM) with 206 respondents including principals, teachers, parents/guardians, administrative and IT staff, representatives of the Education Office, and academics, the results show that digital transformation has a dominant influence on the quality of education, indicating the crucial role of technology in improving the efficiency, inclusivity, and personalization of learning. Leadership competencies have a significant direct impact, even though their integration with digitalization is not optimal. The use of technology has a direct and indirect effect through digital transformation, while stakeholder participation strengthens the quality of education indirectly through digitalization. The SEM model emphasizes that improving the quality of education requires synergy between visionary leadership, adaptive technology, and integrated stakeholder participation in the digital ecosystem. These findings recommend policy development that focuses on digital capacity building, technology-based leadership training, and multi-stakeholder collaboration to address disparities in access to and quality of education
THE EFFECT OF PERSONAL FINANCIAL MANAGEMENT, ATTITUDE TOWARDS DEBT, AND BANKING KNOWLEDGE ON FINANCIAL COMPLIANCE THROUGH MEDIATION OF SELF-CONFIDENCE Wiyanti S, Lina; Suhardi, Suhardi; Firdaus, Rahmad
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 6 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i6.2790

Abstract

This study aims to analyse the role of confidence in financial management as a mediator between personal finance management, banking knowledge, attitude towards debt, and financial compliance among Indonesian adults. The research method used was a quantitative survey with a cross-sectional approach, involving 170 respondents selected by purposive sampling. Data were collected through an online questionnaire and analysed using Structural Equation Modelling-Partial Least Squares (SEM-PLS). The results showed that confidence in financial management significantly mediated the relationship between personal financial management and financial compliance, but no significant mediating effect was found on the banking knowledge pathway. A positive attitude towards debt also showed a marginal mediating effect through self-confidence. These findings emphasise the importance of financial education interventions that focus not only on the knowledge aspect but also on strengthening confidence and positive attitudes in financial management.
THE EFFECT OF WORK-LIFE BALANCE, ORGANISATIONAL CULTURE AND MOTIVATION ON EMPLOYEE PERFORMANCE WITH JOB SATISFACTION Barokah, Muhammad; Suhardi, Suhardi; Sofyan, Agus; Amin, Mat
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 6 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i6.2792

Abstract

This study aims to analyse the influence of Work-Life Balance (WLB), organisational culture, and work motivation on employee performance with job satisfaction as an intervening variable. The study was conducted on millennial employees in the local government of Pangkalpinang City, involving 104 respondents selected through a purposive sampling technique based on the criteria of having a minimum work period of one year, having permanent employee status, and being active in organisational activities. Using a quantitative approach with structural equation model analysis, the results showed that work motivation has a positive and significant effect on job satisfaction, while WLB and organisational culture have a positive but insignificant effect. This finding indicates that intrinsic factors, such as work motivation, play a more dominant role in shaping employee job satisfaction than external factors such as WLB and organisational culture. However, these three variables did not show a significant indirect effect on performance through job satisfaction. The practical implications of this study emphasise the importance of increasing work motivation through the development of reward and career systems, as well as the need to strengthen organisational culture and implement more effective WLB policies to create job satisfaction, which in turn can improve employee performance.
Co-Authors - Afrizal Abdul Ghani Yasir Aditya Ahmad Fauzi Adrie Oktavio Afrizal Agus Sofyan ahmad yani Akbar, Jufrisani Alam Surya Wijaya Amanda, Ferdita Amin, Mat Andi Harmoko Arifin Andriana, Nana Anggreani, Yulistina Anita Anita Arie Fitria Arie Fitria Arista Sri Ayu Lestari Arsita, Herlin Barokah, Muhammad Danang Setiawan, Riskal Darus Altin dedi kurniadi Deseria, Rita Dwi Pranesta, Dhea Edwin Syahada, Levania Elismayanti Rembe Erwin Masud Evisastra Evisastra Fadillah Sabri Fithriawan Nugroho Fryan Sopacua Hamdan Hamdan Hamdan Imron Imron Indinastin, Indinastin Juhari Juhari, Juhari Kismiadi, Kismiadi Linawati Linawati1 M. Yusuf Bahtiar, M. Yusuf Makrus, Mohamad Mat Amin Miftachul Amri Munir Munir, Munir Nadia Sri Rezeki Nana Adriana Nelly Astuti Nur Hidayati Prabaswara, Tsaqif Pranata, Agung Radiansyah, Adrian Rahayu, Olivia Rahmad Firdaus Rahmad Firdaus Rahmat Hidayat Rean Mitasari Rejeki, Nadia Sri Reniati Reniati Rian Fauzi Rima Rachmawati Rita Deseria Sapira, Bella Sari, Kadek Kartika Siti Aisyah Sri Rejeki, Nadia Sugianto, Efendi Titi Nurjanah Tjiknang, Muhammad Abbyzard Dava Tomi Apra Santosa Tongam E Panggabean Tri Agustin, Tri Tritami, Devita Ulandari, Sintia Usmany, Paul Uz-zaky, Muhammad Raffi Wiyanti S, Lina Zikri, Inanda