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All Journal Jurnal Penelitian Pendidikan IPA (JPPIPA) Jurnal Ilmiah Professional Indonesia EKONOMI BISNIS Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ilmiah Manajemen Kesatuan International Journal of Business Economics (IJBE) Enrichment : Journal of Management GANDRUNG: Jurnal Pengabdian Kepada Masyarakat International Journal Of Science, Technology & Management (IJSTM) Jurnal Ekonomi Arus Jurnal Sosial dan Humaniora International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Journal of Management and Social Sciences Journal of Global Islamic Economic Studies Journal of Innovative and Creativity Society Accounting Progress Journal of Business Integration Competitive Journal of Finance Integration and Business Independence Jurnal Mahkota Bisnis (Makbis)
Chaniago, Sabaruddin
Universitas Pembinaan Masyarakat Indonesia
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Enhancing Financial Behavior through Financial Awareness and Professional Advice: Insights from the Government Sub-sidized Housing Program for Lecturers in Medan Sabaruddin Chaniago; Amin Hou; Adi Harianto; Septa Diana Nabella; Ibrahim Mallam Fali
Journal of Business Integration Competitive Vol. 2 No. 2 (2026): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i2.75

Abstract

This study seeks to examine the impact of financial awareness on financial behavior, utilizing financial advisers as a mediating variable among Generation Y lecturers in Medan City participating in the government's 3 million subsidized housing program. The consistently poor quality of financial decision-making about subsidized housing ownership underscores the necessity of enhancing financial literacy, facilitated by the involvement of competent financial counselors. This research utilized a quantitative methodology, namely a survey technique including the dissemination of questionnaires to participants. The study's population comprised Generation Y lecturers in Medan City, with a sample size of 78 individuals selected through a random sampling method. The analysis of data was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to evaluate both direct and indirect correlations among variables. The findings indicated that financial awareness exerted a favorable and significant influence on financial behavior. Moreover, financial awareness substantially affected the utilization of financial advisors, which subsequently yielded a favorable impact on financial behavior. It was shown that financial advisors indirectly affected the link between financial knowledge and financial conduct. This research underscores the necessity for government and subsidized housing program administrators to incorporate financial literacy initiatives tailored to the distinct requirements of lecturers, including training in long-term financial planning, subsidized mortgage simulations, and financing risk management. Additionally, it is recommended that higher education institutions offer internal financial consulting services or partner with financial advising organizations to aid instructors in making prudent and sustainable financial choices. This study shows that banks and other financial institutions need to strengthen the role of financial advisors by using education and personalized services to improve the way customers handle their money, especially when it comes to subsidized housing financing programs
Transparansi dan Akuntabilitas dalam Pengelolaan Dana Masjid Mandiri: Studi Kasus Masjid Kota Medan Sabaruddin Chaniago; Nurlaila Nurlaila; Mustapa Khamal Rokan
Society Vol 12 No 2 (2024): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v12i2.730

Abstract

This study examines the level of transparency in the management of independent mosque funds in Medan City, North Sumatra, Indonesia, evaluates adherence to accountability principles, and provides actionable recommendations for improvement. Using a quantitative research approach, questionnaires and observations were used to collect data from mosque administrators, worshippers, and donors at the Al-Musabbihin Mosque. These instruments were designed to assess trust and participation in mosque activities. Data analysis was conducted using Structural Equation Modeling (SEM) with Smart PLS 3.0, focusing on Outer and Inner Model evaluations. The results reveal that human resource (HR) competency, internal control systems, technological integration, stakeholder engagement, and compliance with financial management standards significantly impact transparency and accountability in mosque fund management. Additionally, organizational commitment amplifies the positive influence of HR competency and internal controls on these outcomes. The study highlights the critical need for ongoing HR development through targeted training and education to ensure effective and accountable fund management. Furthermore, establishing comprehensive internal control systems is essential to prevent fund misuse and build public trust. The findings demonstrate that transparent and accountable fund management fosters public confidence, optimizes resource utilization, and enhances the mosque’s capacity as a vibrant and empowered social institution.
Meningkatkan Kepuasan Kerja di Perguruan Tinggi: Peran Keterbukaan Budaya, Kepemimpinan Pelayan, dan Kejenuhan Kerja Elyzabeth Wijaya; Martin Martin; Debora Tambunan; Amin Hou; Sabaruddin Chaniago
Society Vol 13 No 1 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i1.793

Abstract

This study explores the role of burnout as a mediating variable in the relationship between cultural openness, servant leadership, and lecturers’ job satisfaction at Institut Bisnis Informasi Teknologi dan Bisnis, Medan City. In higher education, cultural openness and servant leadership are essential factors contributing to job satisfaction. However, high workloads can lead to burnout, potentially diminishing the positive effects of both factors. This study employs a quantitative approach, using a survey conducted with 51 lecturers as respondents. The results indicate that cultural openness significantly affects job satisfaction, reinforcing the importance of transparent communication and respect for diversity in fostering a supportive work environment. Conversely, servant leadership does not significantly affect job satisfaction or burnout, suggesting that this leadership style is less effective in the context of this study. Additionally, burnout does not significantly influence job satisfaction directly or as a mediating variable. These findings underscore the need to strengthen cultural openness as a key factor in enhancing lecturer job satisfaction. Furthermore, this study offers theoretical contributions to understanding the relationship between organizational culture, leadership, burnout, and job satisfaction while providing practical insights for policy development in higher education institutions.
When Digital Finance Is Not Enough: Digital Capability and MSME Business Resilience Rafida Khairani; Herlin Munthe; Chaniago, Sabaruddin; Cici Handayani
Journal of Finance Integration and Business Independence Vol. 2 No. 1 (2026): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

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Abstract

This study examines the impact of accounting knowledge and taxpayer attitudes on tax compliance among Small and Medium Enterprises (SMEs) in North Medan. Using a quantitative approach, data were collected through surveys distributed to SME owners and managers who are directly involved in financial decision-making. The study found that both accounting knowledge and positive taxpayer attitudes significantly influence tax compliance. Accounting knowledge enables business owners to understand tax obligations and manage financial records accurately, leading to improved compliance. Meanwhile, taxpayer attitudes, such as the perception of fairness and trust in the tax system, also play a crucial role in determining the level of compliance. The results suggest that enhancing accounting education and fostering positive attitudes toward taxation could improve tax compliance in the SME sector. This research provides valuable insights for policymakers and tax authorities aiming to promote compliance through targeted educational programs and awareness campaigns.
Pengaruh Lifestyle Dan Kualitas Produk Terhadap Keputusan Pembelian Handphone Iphone Melalui Citra Merek Sebagai Variabel Intervening Studi Kasus pada Generasi Z di Kota Medan Lafau, Aperius; Chaniago, Sabaruddin; Elanda, Yochi
Journal of Innovative and Creativity Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

This study aims to analyze the influence of lifestyle and product quality on purchasing decisions of iPhone smartphones, with brand image as an intervening variable among Generation Z in Medan City. This study employed a quantitative research method with data collection conducted through the distribution of online questionnaires to 100 Generation Z respondents aged 13–28 years. Data analysis was carried out using The results showed that lifestyle and product quality significantly influence the brand image of iPhone. The lifestyle variable was found to have a significant negative effect on purchasing decisions, while product quality had a positive and significant effect on purchasing decisions. In addition, brand image also had a positive and significant influence on purchasing decisions and acted as an intervening variable in the relationship between lifestyle and product quality toward purchasing decisions. These findings indicate that lifestyle, product quality, and brand image simultaneously play important roles in shaping iPhone purchasing decisions among Generation Z in Medan City.
Co-Authors Ade Nurhidayah Adi Harianto Ahmad Fadli Ahmad Fadli Ahmad Rivai Amalia, Fiqrida Amin Hou Anastasya, Kristina Realita Anggraini, Dwi Pertiwi Arpizal Br Ginting, Berupilihen Cici Handayani Debora Tambunan Deby Siska Oktavia Pasaribu Deva Djohan Dewi Rafiah Pakpahan Diantan Reivaldo Dini M Hutagalung Dr. Marliyah, M.A, Dr. Rita Handayani, M.Si Eddy Harnjo Elanda, Yochi Elyna Shandra Emma Novirsari Ester Hervina Sihombing Ester Hervina Sihombing Fauzia Mei Salsabillah Herlin Munthe Ibrahim Mallam Fali Indra Budiman Kawuri, Sri Khairatun Nazah Kosasih, Hengky Lafau, Aperius M. Indra Mulia Nasution M. Indra Mulia Nasution Manda Dwipayani Bhastary Martin Martin Martin Martin Martin Maya Andiriani MAYA ANDRIANI Mega Sanjaya Mhd Restu Razaq Razaq Minasari Nasution Muhammad Fathoni Mustapa  Khamal  Rokan Nasib Nasution, Muhammad Ilham Nirmalasari Nissa, Fachrun Nurlaila Nurlaila Nurul Syafiqah Azman Prof. M. Shabri A. Majid, Ph.D Purba, Lenta Friska Rafida Khairani Ratih Amelia Ratih Amelia Rifda Daulay, Zulia Rivai, Ahmad Rizki, Ainur Roni Juliansyah Saparuddin Siregar Septa Diana Nabella Syahlina, Maya Syaifullah Tyus Windi Ayuni Widy Hastuty Widy Hastuty HS Wijaya, Elyzabeth Winda Sari, Vina Yogi Putra Yuniar Andi