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All Journal Jurnal Ilmiah Manajemen Kesatuan Jurnal Pemberdayaan Masyarakat
Disman Disman
Universitas Pendidikan Indonesia, Indonesia
Economics, Econometrics & Finance Social Sciences

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Financial Literacy Meets Lifestyle: Understanding the Behavioral Pathways to Effective Financial Management Among Generation Z Endang Supriatna; Disman Disman; Eeng Ahman; Amir Machmud; Nofriansyah Nofriansyah; Ramdan Nugraha
Jurnal Pemberdayaan Masyarakat Vol 5, No 2 (2026)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v5i2.753

Abstract

This study examines the structural relationships among financial literacy, lifestyle, and financial management behavior among Generation Z university students in Indonesia, addressing concerns about weak financial decision-making amid increasing digital consumption and lifestyle-oriented spending. A quantitative explanatory design was employed, involving 250 undergraduate students selected through purposive sampling. Data were collected using a structured questionnaire and analyzed using partial least squares structural equation modeling (PLS-SEM). The findings indicate that financial literacy has a significant positive effect on financial management behavior both directly and indirectly through lifestyle, confirming lifestyle as a key mediating variable. This result reinforces that financial knowledge alone is insufficient unless it is internalized into daily lifestyle patterns that guide financial decisions. This study contributes theoretically by positioning lifestyle as a behavioral transmission mechanism linking financial literacy to financial management behavior, thereby extending behavioral finance and planned behavior perspectives in a Generation Z context. In practice, the findings offer insights for designing holistic financial education programs that integrate financial knowledge with lifestyle-oriented and behaviorally tailored interventions for digitally native youth.
The Effect of Training, Organizational Flexibility, and Proactive Personality on Learning Agility to Enhance Employee Agility Nurmiyati Nurmiyati; Tjutju Yuniarsih; Disman Disman; Ade Sobandi; Budi Harto
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 2 (2026): JIMKES Edisi March 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i2.4984

Abstract

In increasingly dynamic and technology-driven environments, healthcare professionals are required to adapt rapidly, making employee agility a critical capability. This study is to analyze the influence of employee training, organizational flexibility, and proactive personality on learning agility, as well as the impact of learning agility on employee agility. This study employs an explanatory quantitative approach, with data collected from 177 physicians in Semarang Regency using purposive sampling techniques. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings indicate that employee training and organizational flexibility have significant positive effects on learning agility, and that learning agility, in turn, significantly enhances employee agility. However, proactive personality does not exhibit a significant effect on learning agility. These findings suggest that organizational factors and structured training play a more dominant role than individual characteristics in fostering adaptive capabilities among healthcare professionals. In conclusion, strengthening training programs and enhancing organizational flexibility are essential strategies for improving employee agility, particularly within highly structured and rapidly evolving healthcare environments.
The Impact of Risk Management Practices on Bank Performance: A Systematic Literature Review Rony Susalit; Agus Rahayu; Disman Disman; Mayasari Mayasari
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.3988

Abstract

The banking sector plays a crucial role in driving economic growth and maintaining financial stability by directing funds to productive sectors while managing risks that affect profitability and resilience. This study uses a Systematic Literature Review (SLR) guided by PRISMA principles to explore how risk management practices, especially Non-Performing Loan (NPL) management, influence bank performance. Lending, as the core banking activity, is key to profitability and financial intermediation, yet high NPL levels can undermine income and stability, particularly in developing countries like Indonesia. By reviewing 16 recent empirical studies, the findings show that effective risk management including strong credit governance, adherence to Basel III standards, technology-supported lending systems, and an empowered Chief Risk Officer helps reduce NPLs and improve financial performance as reflected in ROA, ROE, NIM, and other risk-adjusted indicators. Furthermore, a comprehensive approach that combines regulatory compliance, risk diversification, and sustainability strengthens long-term resilience. These insights provide practical guidance for regulators, bank managers, and researchers in designing flexible, transparent, and sustainable risk management strategies. The study emphasizes that managing NPLs is not just a technical or operational task but a central strategy for ensuring banks remain profitable, stable, and resilient over the long term.
Co-Authors Ade Sobandi Agus Rahayu Amir Machmud Budi Harto Eeng Ahman, Eeng Endang Supriatna Mayasari Mayasari Nofriansyah Nofriansyah Nurmiyati Nurmiyati Ramdan Nugraha Rony Susalit Tjutju Yuniarsih, Tjutju