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All Journal JURNAL AKUNTANSI UNIVERSITAS JEMBER Journal of Accountancy FE UBB Jurnal Pengabdian Kepada Masyarakat Universitas Bangka Belitung Jurnal Akuntansi dan Pajak Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini Perspektif : Jurnal Ekonomi dan Manajemen Universitas Bina Sarana Informatika Agregat: Jurnal Ekonomi dan Bisnis JURNAL MANAJEMEN INDUSTRI DAN LOGISTIK JEM: JURNAL EKONOMI DAN MANAJEMEN EQIEN - JURNAL EKONOMI DAN BISNIS Journal of Humanities and Social Studies Jurnal STIE Semarang (Edisi Elektronik) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JAE (Jurnal Akuntansi dan Ekonomi) ECONOS Jurnal Ekonomi dan Sosial Jurnal Mantik Valid Jurnal Ilmiah International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekuivalensi JURNAL ILMIAH FEASIBLE (JIF) Jurnal Ilmiah Akuntansi Kesatuan Indonesian Journal of Electrical Engineering and Computer Science MANDAR: Management Development and Applied Research Journal Coopetition : Jurnal Ilmiah Manajemen International Journal Of Science, Technology & Management (IJSTM) International Journal on Social Science, Economics and Art Daengku: Journal of Humanities and Social Sciences Innovation Indonesian Journal of Social Science Research Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Applied Finance and Business Studies JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) International Journal of Science and Society (IJSOC) Jurnal of Applied Business and Banking (JABB) Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis eScience Humanity Journal Golden Ratio of Finance Management Jurnal Akuntansi dan Keuangan PEKBIS Jurnal Ekonomi dan Bisnis JURNAL ECONOMINA SWARNA Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Indonesia Accounting Research Journal Electronic Journal of Education, Social Economics and Technology Journal of Educational Management Research International Journal of Enterprise Modelling Majority Science Journal Majapahit Journal of Islamic Finance dan Management GEMBIRA (Pengabdian Kepada Masyarakat) Jurnal Pengabdian Masyarakat dan Riset Pendidikan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Majapahit Journal of Islamic Finance dan Management Jurnal Penelitian Pendidikan Indonesia Economic: Journal Economic and Business SENMEA Cognitionis Civitatis et Politicae Nomico Majalah Ilmiah Peternakan
Suhardi Suhardi
Universitas Pertiba
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The Effect of Investment Education, Investment Risk, Price Perception, on Interest in Investing in the Capital Market with Investment Motivation as Mediation Dwi Pranesta, Dhea; Suhardi, Suhardi; Deseria, Rita; Yani, Ahmad
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.v4i2.1043

Abstract

This study aims to analyze the factors that influence students' investment intentions in Bangka Belitung, by highlighting the role of investment education, risk perception, price perception, and motivation as mediating variables. Using a quantitative approach with PLS-SEM analysis techniques, data were obtained from 286 students in various universities. The results show that price perception has the most dominant direct influence on investment intentions, indicating students' sensitivity to the affordability aspect. Meanwhile, investment education does not show a significant influence, suggesting the possibility of inappropriate material or delivery methods. Interestingly, risk perception has a positive effect on motivation, which then mediates investment intentions, illustrating that risk is seen as a challenge, not an obstacle. Motivation plays an important role in bridging perceptions to real actions. The socio-cultural context of Bangka Belitung, which is still dominated by traditional investment and limited digital access, reinforces the importance of locally-based financial literacy. This study provides recommendations for designing investment education programs that are contextual, affordable, and able to inspire the younger generation in making rational and sustainable investment decisions.
The Effect of Training, Competence and Motivation on Employee Productivity with Work Engagement as an Intervening Variable Prabaswara, Tsaqif; Suhardi, Suhardi; Amin, Mat; Sofyan, Agus
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.v4i2.1077

Abstract

This study aims to analyse the effect of exercise, competition, and motivation on work engagement and employee performance, with work engagement as a mediating variable in employees of the Pangkal Pinang City Health Office. The research method used is quantitative with the Structural Equation Modelling-Partial Least Squares (SEM-PLS) approach, involving 112 purposively selected respondents. The analysis results show that specifically, competition is the factor that has the most significant effect on work engagement and employee performance, followed by motivation with a moderate effect, while exercise shows the least effect. Work engagement was shown to partially mediate the relationship between motivation and competition on employee performance. These findings confirm the importance of human resource development strategies that not only focus on training but also on creating a healthy competitive environment, increasing motivation, and strengthening work engagement to encourage optimal employee performance. This study recommends the need to develop an integrated organisational programme to improve employee engagement and performance, as well as further research by expanding the variables and methods used.
The Effect of Price, Social Media Endorsement, and Place Atmosphere on Purchasing Decisions with Consumer Satisfaction as a Moderating Variable in Coffee Shop Consumers Agustin, Tri; Suhardi, Suhardi; Firdaus, Rahmad; Hamdan, Hamdan
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.v4i2.1080

Abstract

This study investigates the impact of price, social media endorsement, and venue atmosphere on purchase decisions, with consumer satisfaction as a moderating variable, within the context of coffee shop consumers in Pangkal Pinang, Indonesia. The research employs a quantitative approach using survey data collected from 200 respondents who meet specific criteria related to digital behavior and purchasing experience. Data were analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal that while price does not significantly affect purchase decisions directly, it strongly influences consumer satisfaction, which in turn has a significant effect on purchase decisions. Social media endorsement exerts a direct and significant influence on both satisfaction and purchase decisions, underlining its strategic importance in contemporary digital marketing. Meanwhile, venue atmosphere significantly enhances satisfaction but shows limited direct impact on purchase decisions, confirming its mediating role through emotional experience. This research emphasizes the importance of integrated marketing strategies that combine pricing, influencer marketing, and atmospheric design to optimize consumer satisfaction and drive purchasing behavior in service-based industries.
The Influence of Digital Literacy, Creativity, and Tolerance for Ambiguity with Generation Z's Entrepreneurial Attitude with Growth Mindset as a Mediating Variable Pranata, Agung; Suhardi, Suhardi; Afrizal, Afrizal; Sugianto, Efendi
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.v4i2.1081

Abstract

This study explores the influence of digital literacy, creativity, and tolerance for ambiguity on the entrepreneurial attitude of Generation Z, with growth mindset as a mediating variable. Generation Z, as digital natives, possess extensive access to technology, yet entrepreneurial attitudes among them remain uneven. Drawing from socio-cognitive and entrepreneurial mindset theories, this research employs a quantitative approach using a structured survey and partial least squares structural equation modelling (PLS-SEM) to analyze responses from 137 Gen Z participants. The findings reveal that digital literacy significantly affects growth mindset, which in turn strongly influences entrepreneurial attitude. However, digital literacy, creativity, and ambiguity tolerance do not show direct significant effects on entrepreneurial attitude. Only the growth mindset mediates the relationship between digital literacy and entrepreneurial attitude significantly, highlighting its pivotal role. These insights underline the importance of fostering a growth-oriented learning environment and strengthening digital competence to encourage entrepreneurial behavior. The study contributes theoretically by expanding the mediating role of growth mindset and offers practical implications for entrepreneurship education tailored to Generation Z in the digital age.
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.
QRIS ADOPTION DETERMINANTS: ANALYSIS OF THE ROLE OF EASE OF USE, TRUST, AND PROMOTION WITH USER SATISFACTION AS AN INTERVENING Herlina; Suhardi; Astuti, Nelly; Hamdan
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 4 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i4.2651

Abstract

This study aims to analyze the determinants of QRIS adoption in Indonesia by integrating technological, psychological, and contextual perspectives. Using Structural Equation Modeling (SEM) on 320 user data, the study examined the influence of factors such as perceived ease of use (PEOU), user trust, promotion & education, and user satisfaction on QRIS adoption. The results show that user satisfaction and promotion-education have a significant effect on adoption, while ease of use only impacts satisfaction, not direct adoption. In contrast to classical theory, user trust is not significant in the Indonesian context, allegedly due to the dominance of financial incentive factors, government policies, and MSMEs' preference for practical benefits. These findings reinforce the relevance of Expectation-Confirmation Theory (ECT) and Diffusion of Innovation (DOI), while also highlighting the uniqueness of locality where targeted education and cashback programs are more effective than just system trust. The practical implications emphasize the need for an integrated strategy: economic benefit-based promotional campaigns, improved technical infrastructure to ensure the speed and security of transactions, and collaboration between regulators and service providers in expanding incentives for MSMEs. Further research is suggested to explore cultural factors (e.g., resistance to cashless transactions in rural areas) and qualitative approaches to understanding the perceptions of older generations. The study provides a holistic framework to accelerate the digital transformation of Indonesia's payments sector, prioritizing local context and real-world user experience.
FINANCIAL LITERACY, POLICIES AND REGULATIONS, INFRASTRUCTURE FACILITIES AND FINANCIAL INCLUSION FOR MICRO, SMALL, AND MEDIUM BUSINESS OWNERS Zumalia; Suhardi; Firdaus, Rahmad; Sri Rejeki, Nadia
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 4 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i4.2653

Abstract

This study examines the influence of Financial Literacy on Financial Inclusion by considering the role of Infrastructural Facility and Policy and Regulation as mediation variables. The study was conducted on MSMEs in the city of Pangkalpinang with 224 respondents, Data collection was carried out by distributing questionnaires online using Google Forms. The results of the analysis show that Financial Literacy has a significant effect on Financial Inclusion, both directly and through the Infrastructural Facility. On the other hand, mediation through Policy and Regulation is not significant, indicating that political regulation has not played an optimal role in increasing financial inclusion. These findings emphasize the importance of encouraging investment in strengthening infrastructure such as fintech networks and banking services in remote areas as an effective strategy in encouraging wider access to finance. In addition, regulations related to political and financial policies need to be evaluated to be more adaptive and effective in supporting people's financial literacy and access. More applicable financial education programs also need to be expanded through cooperation between the government, the private sector, and MSMEs to increase public understanding and participation in the formal financial system. Further research is suggested to explore additional factors and use a longitudinal approach to gain a more comprehensive understanding.
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.
Co-Authors A., WIBOWO Aat Ruchiat Nugraha Abdul Gani Abdul Ghani Yasir Abdul Rasyid Achmad Yanu Aliffianto Adenk Sudarwanto Aditya Ahmad Fauzi Adrie Oktavio Afrizal Afrizal Afrizal Agus Sofyan Ahmad Juliyanta Ahmad Yani ahmad yani Ahmad Yani Akbar, Jufrisani Alam Surya Wijaya Amanda, Ferdita Amin, Mat Andi Harmoko Arifin Andi Sri Rezky Wulandari Andre Agasi ANDRI KURNIAWAN Andriana, Nana Anggita Savitri Anggreani, Yulistina Anisa Anisa Anita Anita Arie Fitria Arie Fitria Arif E., M. All Arista Sri Ayu Lestari Arjuna Arjuna Arsita, Herlin Asrul Sani Ayu Windari Azzahra, Azzahra Bagas Olanda Bambang Bernanthos Barokah, Muhammad Bayu Lesmana C., QAMARA Cahaya Okta Ramadani Cery Zepetiyana Chairil Afandy Danang Budi Prasetya Danang Setiawan, Riskal Darus Altin dedi kurniadi Degdo Suprayitno Deli, Deli Desi Ratnasari Diah Fatma Sjoraida Djunaedi Dwi Pranesta, Dhea Edwin Syahada, Levania Eko Riyadi Elismayanti Rembe Ernasari, Desi Erwin Masud Eva Desembrianita Eva Romauli Evisastra Evisastra Fadillah Sabri Faisol Faisol Faiza, Garwa Fariq Zabran Adha Fery Frandica Finny Redjeki Firnandes, Firnandes Fithriawan Nugroho Fitria, Arie Fryan Sopacua Genta Aditya GESTY ERNESTIVITA Guna, Buky Wibawa Karya Hamdan Hamdan Hamdan Hamdan Hamdan Hasibuan, Rosida Hatidja, Hatidja Hendi Suprianto Herdiansyah, Sayyid Herlina Hermanto Hermanto Heru Bekti Santosa Imron Imron Indah Julianti Indinastin, Indinastin Indri Briliani Irza Ayu Salsabilla Jamaluddin Jamaludin . Jann Hidajat Tjakraatmadja Jenni Lambas Siregar Jufri Sani Akbar Jufrisani Akbar Juhari Junaidi Abdillah Kalista Kalista Karisma Karisma Kismiadi, Kismiadi Lara Anjalita Linawati Linawati1 Listia, Rosa Vavita M Faisal Akbar M. H., WIJAKESUMA M. Yusuf Bahtiar Maera Zasari Marna, Marna Maryani, Cik Maryati Maryati Mat Amin Mauli Sarintan Mega Fatimah Rosana Melani Melani Meylie Cawla Miftachul Amri Mohamad Makrus Muchammad Chusnan Aprianto Muhammad Azril Muhammad Fachri Muhammad Raffi Uz-Zaky Munir Munir, Munir Nadia Sri Rejeki Nadia Sri Rezeki Nadila Febriani Nana Adriana Nasrul Arifin Pohan Nelly Astuti Nelly Astuti Nerry Arista Nur Hidayati Nur Hidayati Nurfa Rini Husvifa Nurisma, Dhea Nurul Hudaeni Panca Tuah Tuha Parid Akmal Daffa Prabaswara, Tsaqif Pranata, Agung Puji Astuti Purwasih, Rani Radiansyah, Adrian Rahayu, Olivia Rahmad Firdaus Rahmad Firdaus Rahmat Hidayat Rama Debi Satiawan Rani Rani Rean Mitasari Reditayani, Ni Kadek Rejeki, Nadia Sri Rembe, Elismayanti Reniati Reniati Resti Rosanabila Ria Oktora Rian Fauzi Ridho Alamsyah Rima Rachmawati Rita Deseria Rizal Ula Ananra Fauzi Rizal Ula Ananta Fauzi Rizki Auliddiah Rizki Dila Suhera Rizyana Mirda Sakina Fitri Syahwa Sapira, Bella Sari, Kadek Kartika Serli Marcelina Sevtia Anandita Sidrotun Na'im Siti Aisyah Siti Mujanah Siti Napisah Siti Napisah Soemadijo, Pramita Studiviany Sri Rejeki, Nadia St. Hatidja St.Hatidja Sudarso Kader Wiryono Sugianto Sugianto, Efendi Sutiono Titi Nurjanah Titik Purwanti Titik Purwati Tjiknang, Muhammad Abbyzard Dava Tomi Apra Santosa Tomi Apra Santosa Tongam E Panggabean Tri Agustin, Tri Tri Suparyanto Tria Maulia Tritami, Devita Ulandari, Sintia Unpris Yastanti Usmany, Paul Uz-zaky, Muhammad Raffi Virna Dewi Wangdra, Yvonne Warindra, Ade Septiarisna Wasiman, Wasiman Wicaksana, Hangga WIDIARTA, I P. G. D. Winda Purnamasari Wiyanti S, Lina Yomita, Yomita Yulanda, Siti Ayu Yusuf Bahtiar Zikri, Inanda Zumalia