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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Pendidikan Ekonomi (JURKAMI) Nusantara Hasana Journal
Husmaruddin Husmaruddin, Husmaruddin
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Nursing Social Sciences

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EVALUASI MULTI-KRITERIA TERHADAP KEBIJAKAN KARBON: KOMBINASI PENDEKATAN KUANTITATIF DAN KUALITATIF Husmaruddin, Husmaruddin
Nusantara Hasana Journal Vol. 4 No. 9 (2025): Nusantara Hasana Journal, February 2025
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v4i9.1344

Abstract

This study analyzes the impact of the Emission Trading Scheme (ETS) and carbon tax on the economy and society in Indonesia using quantitative and qualitative methods. The quantitative method uses a dynamic system model to analyze the effect of carbon policy on greenhouse gas (GHG) emissions and economic growth. Simulation results show that carbon policy is effective in reducing GHG emissions, although it has a negative impact on gross domestic product (GDP), especially at high carbon prices. Qualitative methods involve surveys and interviews to evaluate the social impact of this policy. The results of the analysis show that the environmental and forestry sectors are more supportive of ETS, while the financial, service, and NGO and community sectors prefer carbon tax. Although carbon policy is effective in reducing GHG emissions, its economic and social impacts need to be taken into account. Therefore, the formulation of carbon policy must consider the balance between the effectiveness of emission reduction and its impact on various sectors to ensure economic sustainability and social welfare in Indonesia.
Digital Financial Literacy and Decision-Making: A Behavioural Management Model for Digital Natives Goso, Goso; Jasman, Jumawan; Husmaruddin, Husmaruddin; Alam, Syamsu
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 2 (2025): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i2.56161

Abstract

This study develops an integrative behavioral framework to examine how digital financial literacy (DFL) influences financial decision-making among digital-native cohorts. The analysis extends existing behavioral models by incorporating risk tolerance and fintech trust as mechanisms shaping investment, consumption, and saving choices. Using a mixed-method design with 500 survey responses and 30 interviews, the study shows that DFL alters decision patterns in ways mediated by both confidence and caution. A paradox emerges: high trust in fintech often coexists with weak awareness of digital risks, underscoring tensions between literacy and reliance. The findings highlight that financial institutions and policymakers must balance accessibility and innovation with safeguards that foster prudent behavior in digitally native populations.
IMPLEMENTATION OF DECISION SUPPORT SYSTEM(DSS) FOR BUDGET PLANNING AND CONTROL: BRIDGING GOOD GOVERNANCE AND UNQUALIFIED OPINIONS (WTP) IN LOCAL GOVERNMENT Husmaruddin, Husmaruddin; Mallu, Satriawaty; Salju, Salju
Nusantara Hasana Journal Vol. 5 No. 3 (2025): Nusantara Hasana Journal, August 2025
Publisher : Yayasan Nusantara Hasana Berdikari

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

Abstract

This research evaluates how the implementation of a Decision Support System (DSS) can improve good governance and the achievement of WTP in regional finance, with implications for policy design and public resource management. Using a phased mixed design, this study first measures the impact of DSS adoption on budget accuracy, expenditure control, and WTP achievement through panel data in several districts/cities. Furthermore, policy-oriented case analysis was conducted to identify governance mechanisms, data governance practices, and capacity building needs that enable the sustainable use of DSS. Data sources included local government budget reports, Supreme Audit Agency (BPK) audit reports, budget documents, and interviews with stakeholders. Metrics included DSS maturity (level of integration, data quality, analytical coverage), deviation reduction, control strength, and WTP status. The findings show that DSS maturity is positively related to budget deviation reduction and increased alignment between planning and implementation, thereby increasing the chances of achieving WTP. Policy implications include a DSS governance framework; ensuring data interoperability in the regional IT ecosystem; capacity investment; and aligning DSS outputs with the audit process. Limitations relate to data availability and constraints in transferring findings across regional contexts. This paper contributes to the public financial management literature by linking advanced information systems to governance quality and external reporting standards, and offers a roadmap for local governments seeking to improve financial transparency and accountability
HUBUNGAN ANTARA FINANSIAL STRESS DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN MAHASISWA DIKOTA PALOPO Sandi, Andi Tenri; Husmaruddin, Husmaruddin; Firmanzah, Adi
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 11, No 1 (2026): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v11i1.5696

Abstract

Financial stress or financial stress is a psychological condition that arises from the inability of individuals to meet financial needs adequately and efficiently. The purpose of this study is to examine the relationship between financial stress and lifestyle on student financial management in the city of Palopo. This study uses a quantitative method with data collected through a questionnaire.the sample used is relatively limited, namely 100 respondents. Using the slovin formula and random sampling. Data analysis was carried out with SPSS 27. The results of the study showed that the financial variable stress had a significant positive influence on financial management, while lifestyle did not have a significant influence on financial management. The insignificance of the influence of lifestyle on financial management shows that students in Palopo City are relatively able to adjust consumption patterns with limited resources. This research contributes to the development of science in the field of financial psychology and behavioral economics, especially related to the relationship between financial stress and lifestyle to student financial management, especially in the city of Palopo.
Co-Authors Adi Firmanzah Goso , Goso Jumawan Jasman Mallu, Satriawaty Salju Salju, Salju sandi, andi tenri SYAMSU ALAM