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All Journal Jurnal Akuntansi dan Perpajakan Journal of Economic, Bussines and Accounting (COSTING) OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Equity: Jurnal Ekonomi Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Indonesia Sosial Sains International Journal of Management Research and Economics Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam International Journal of Economics, Management and Accounting Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Fakhmi Zakaria
Universitas Dian Nuswantoro
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences Other

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Pengaruh Financial Literacy, Financial Attitude, dan Self-Control Terhadap Financial Well-Being pada Generasi Z di Era Digital: Studi Kasus pada Generasi Z Berpenghasilan di Kota Semarang Adistyana Mardhyatus Sholihah; Amalia Nur Chasanah; Dwi Eko Waluyo; Fakhmi Zakaria
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i5.11888

Abstract

Financial well-being among Generation Z, who already have income, has become an increasingly significant issue with the development of digital technology, which offers ease of transactions, but also has the potential to trigger consumptive behavior due to low levels of financial literacy, YOLO and FOMO mindsets, and high use of digital financial services. This study aims to analyze the influence of Financial Literacy, Financial Attitude, and Self-Control on the financial well-being of Generation Z, who have income in Semarang City. This study used a quantitative approach with a survey method of 100 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with the assistance of the SmartPLS 4.0 program. The results show that Financial Literacy, Financial Attitude, and Self-Control have a positive and significant effect on the financial well-being of Generation Z. This study concludes that good financial literacy, the development of effective financial attitudes, and strengthening self-control in the use of digital financial services are important factors for Generation Z to achieve sustainable financial well-being.
Peran Love of Money, Financial Attitude, dan Financial Self-Efficacy terhadap Pengelolaan Keuangan Mahasiswa yang Berwirausaha di Kota Semarang Monica Dwi Handayani; Diana Puspitasari; Dian Prawitasari; Fakhmi Zakaria
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10339

Abstract

The growth of student entrepreneurship in Semarang City has not been fully accompanied by adequate financial management capabilities. Financial record-keeping problems, particularly the inability to separate personal and business finances, remain prevalent and tend to increase, potentially hindering the sustainability of student-owned MSMEs.  This study aims to examine the effects of Financial Attitude, Financial Self-Efficacy, and Love of Money on the financial management of student entrepreneurs in Semarang City. A quantitative approach with a survey method was employed, involving 182 student entrepreneurs selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed with Structural Equation Modeling–Partial Least Square (SEM-PLS) using SmartPLS 4. The results indicate that Financial Attitude, Financial Self-Efficacy, and Love of Money have a positive and significant effect on students’ financial management. The R-square value of 0.670 demonstrates the model’s ability to explain variations in financial management. In conclusion, psychological financial factors play an important role in improving financial management among student entrepreneurs.
Pengaruh Faktor Internal dan Eksternal Terhadap Harga Saham Subsektor Semen Ayu Rizky Yuniar; Pradana Jati Kusuma; Maria Safitri; Fakhmi Zakaria
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11611

Abstract

This study examines the determinants of share prices of companies in the cement sub-sector on the Indonesia Stock Exchange (IDX), focusing on internal and external factors during the period 2020–2024. The internal factors analysed include the Debt to Equity Ratio (DER), Current Ratio (CR), and company age (AGE), while external factors include interest rates and Gross Domestic Product (GDP). The research method used is a quantitative approach based on secondary data sourced from the IDX, companies' annual financial reports, and statistical data released by the Central Statistics Agency (BPS). The research sample includes six cement sub-sector companies determined through purposive sampling, resulting in 120 quarterly panel data observations. The assessment was conducted using panel data regression with a Fixed Effect Model (FEM) selected from the Chow test and Hausman test, supported by classical assumption testing and hypothesis testing. The results of the study reveal that all independent variables simultaneously have a significant effect on stock prices. Individually, CR has a positive and significant effect, while AGE has a negative and significant effect on stock prices. Meanwhile, DER and interest rates produce an insignificant negative relationship, and GDP has a positive but insignificant effect. This study reveals that the movement of cement sub-sector stock prices can be explained by the interaction of internal and external factors, with liquidity and company age as the main determinants in conditions of overcapacity and macroeconomic uncertainty.
Faktor Faktor yang Mempengaruhi Gen Z di Universitas Dian Nuswantoro dalam Penggunaan Pinjaman Online Klarisa Widiana Pratiwi; Ariati Anomsari; Dwi Eko Waluyo; Fakhmi Zakaria
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of financial technology has driven the increasing use of online loans among Generation Z, who are adaptable to technology and have a digital lifestyle. This study aims to analyze the influence of perceived ease of use, lifestyle, and trust on the interest in using online loans among students at Dian Nuswantoro University. The approach used was quantitative with a purposive sampling technique on respondents aged 18–26 who had used online loans in the past six months. Data were collected through a Likert-scale questionnaire and analyzed using PLS-SEM assisted by SmartPLS. The results showed that all variables had a positive and significant effect on interest in use, with lifestyle being the most dominant factor, followed by trust and perceived ease of use. These findings indicate that Generation Z's interest is driven not only by technical aspects, but also by lifestyle and confidence in the security of services. Therefore, increasing financial literacy is needed to make the use of online loans more prudent.
Faktor Faktor yang Mempengaruhi Gen Z di Universitas Dian Nuswantoro dalam Penggunaan Pinjaman Online Klarisa Widiana Pratiwi; Ariati Anomsari; Dwi Eko Waluyo; Fakhmi Zakaria
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of financial technology has driven the increasing use of online loans among Generation Z, who are adaptable to technology and have a digital lifestyle. This study aims to analyze the influence of perceived ease of use, lifestyle, and trust on the interest in using online loans among students at Dian Nuswantoro University. The approach used was quantitative with a purposive sampling technique on respondents aged 18–26 who had used online loans in the past six months. Data were collected through a Likert-scale questionnaire and analyzed using PLS-SEM assisted by SmartPLS. The results showed that all variables had a positive and significant effect on interest in use, with lifestyle being the most dominant factor, followed by trust and perceived ease of use. These findings indicate that Generation Z's interest is driven not only by technical aspects, but also by lifestyle and confidence in the security of services. Therefore, increasing financial literacy is needed to make the use of online loans more prudent.
FAKTOR-FAKTOR YANG MEMENGARUHI STRUKTUR MODAL PERUSAHAAN SEKTOR CONSUMER NON-CYCLICAL DI BURSA EFEK INDONESIA PERIODE 2022-2024 Nadia Salsabila; Linda Ayu Oktoriza; Fakhmi Zakaria; Almira Santi Samasta
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 1 (2026): Edisi Januari - April 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i1.7122

Abstract

Perubahan struktur modal perusahaan sektor consumer non-cyclical yang terdaftar di Bursa Efek Indonesia selama tahun 2022-2024 menunjukkan adanya penurunan, sehingga penelitian ini penting untuk dilakukan. Penelitian ini bertujuan untuk menyelidiki variabel yang berpengaruh terhadap struktur modal perusahaan sektor consumer non-cyclical yang terdaftar di Bursa Efek Indonesia antara tahun 2022-2024. Dalam penelitian ini, profitabilitas, ukuran perusahaan, pertumbuhan perusahaan, dan struktur aset merupakan variabel independent, sementara struktur modal merupakan variabel dependent. Pendekatan kuantitatif digunakan dengan metode regresi data panel yang dianalisis menggunakan perangkat lunak EViews 13. Sampel penelitian terdiri dari 61 perusahaan sektor consumer non-cyclical yang memenuhi kriteria seperti, konsisten terdaftar di sektor consumer non-cyclical, menerbitkan laporan keuangan, menyajikan laporan keuangan dalam rupiah, dan tidak merugi dalam kurun waktu yang diteliti. Hasil analisis mengindikasikan profitabilitas berpengaruh negatif terhadap struktur modal, tetapi ukuran dan pertumbuhan perusahaan berpengaruh positif terhadap struktur modal. Namun, struktur aset tidak berpengaruh terhadap struktur modal. Dengan demikian, dapat disimpulkan bahwa keputusan struktur modal perusahaan sektor consumer non-cyclical dipengaruhi oleh kondisi internal perusahaan, khususnya profitabilitas, ukuran perusahaan, dan pertumbuhan perusahaan. Penelitian ini diharapkan dapat memberikan kontribusi terhadap pengembangan teori struktur modal. Selain itu sebagai bahan acuan bagi manajemen guna penentuan strategi pendanaan serta bagi investor dalam menilai kondisi keuangan dan risiko investasi bisnis di sektor conusmer non-cyclical.
Co-Authors Abdillah Khakim Abdillah Khakim Adistyana Mardhyatus Sholihah Almira Santi Samasta Almira Santi Samasta Ana Kadarningsih Kadarningsih Anggi Permata Sari Anggita Arsyikirani Anggita Arsyikirani Ariati Anomsari Ayu Rizky Yuniar Bara Zaretta Bella Pradanti, Grazella Chasanah, Amalia Nur Damar, Haunan Della Christine Parhusip Dian Prawitasari Diana Aqmala Diana Puspitasari Dwi Eko Waluyo Edna Iyyana Mizkiya Fariza Amalia Fatkhiyatul Azizah Handy Nur Cahya Ikhsan Bagaskoro Ikhsan Bagaskoro Khanza Monica Salsabila Khanza Monica Salsabila Klarisa Widiana Pratiwi Lenni Yovita Maria Safitri Maria Safitri Mochammad Eric Suryakencana Wibowo Monica Dwi Handayani Muhammad Nalal Izza Nadia Salsabila Naila Syakirotul Rizqiyah Naufal Nurrohmat Naufal Nurrohmat Oktoriza, Linda Ayu Pradana Jati Kusuma Pradana Jati Kusuma Rissa Anandita Rizqi Fadhilah Nur Rohman Rizqi Fadhilah Nur Rohman Roymon Panjaitan Setyaningrum, Adelia Dwi Shafira Ayu Rachmawati Shafira Ayu Rachmawati Suhita Whini Setyahuni Tanaesya Suhendro Tanaesya Suhendro Velyna Shofiyatun Nasikhah Vicky Oktavia