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All Journal Journal of Trends Economics and Accounting Research Journal Publicuho JAKBS JEBD Journal of Innovative and Creativity Jurnal Manajemen, Bisnis dan Kewirausahaan
Agus Zul Bay
Universitas Sembilanbelas November Kolaka
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Pengetahuan Investasi dan Uang Saku terhadap Minat Berinvestasi pada Reksadana Arini Indah Sridayani; Fitri Kumalasari; Agus Zul Bay
Journal of Trends Economics and Accounting Research Vol 4 No 1 (2023): September 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v4i1.821

Abstract

This study aims to determine: (1) The Influence of Investment Knowledge on the Investment Intention of FISIP USN Kolaka students. (2) The Influence of Pocket Money on the Investment Interest of USN Kolaka students. This study used quantitative methods. Collecting data in this study used observation, literature study and distributing questionnaires. The population of this study were all FISIP USN Kolaka students class of 2019-2020 in the Management, Accounting and Development Economics study program. Determination of sample size used the slovin formula, amounting to 222 with the purposive sampling technique. Testing research instruments used validity and reliability tests with SPSS 22.0. The data analysis technique used in this study was Structural Equation Modeling (SEM) based on Partial Least Square (PLS) with measurement model testing (outer model), structural model testing (inner model) and second order with Smart PLS 4.0. Based on the results of the study that there was a significant influence between Investment Knowledge and Investment Intention, this indicated by a P-Value of 0.000. Likewise with Pocket Money there was an influence but not significant on Investment Intention, this indicated by the P-Value of 0.350.
Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Praktik Manajemen Keuangan Mahasiswa Andini Marsyah; Agus Zul Bay; Hendrik
Jurnal Akuntansi Keuangan dan Bisnis Vol. 1 No. 2 (2023): Juli - September
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jakbs.v1i2.139

Abstract

The study aims to analyze the effect of financial literacy and financial attitude on financial management owned by students. The research method used in this study was the student of Management study Program Faculty of Social and Politic University of Sembilanbelas November Kolaka (USN Kolaka). In the even semester 2019-2020. There were 225 student. The sampleused in this study amounted to 140 students using random sampling technique. The data used in this study are primary data. Namely by distributing questionnarres. The data analysis technique used in this study regarding financial literacy and financial attitude shown that both has a significant positive influence on financial management practices with a t-statistic value of 3,923 and p-value of 0,000 for financial literacy and financial attitude variable is posit ive with a t-statistic value of 4,074 and p-value 0,000.
Pengaruh Knowledge Sharing dan Learning Organization terhadap Innovative Work Behavior pada Staf Fakultas USN Kolaka Agus Ambarsari; Ismanto; Agus Zul Bay
Jurnal Ekonomi dan Bisnis Digital Vol. 1 No. 2 (2023): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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

Abstract

This research aims to determine: The influence of knowledge sharing and learning organization on innovative work behavior among USN Kolaka Faculty Staff. This research is a quantitative research model. Data collection used literature studies, distributing questionnaires and interviews. The population in this study was all USN Kolaka Faculty Staff, totaling 71. The sample size was determined using a saturated sample. Research instrument testing uses validity and reliability tests with SPSS 22.0. The data analysis technique used in this research is Structural Equation Modeling (SEM) based on Partial Least Square (PLS) using the Smart-PLS 4.0 application. Based on the research results, it shows that knowledge sharing has a positive and significant effect on innovative work behavior as indicated by the original sample value of 0.539, t-statistic of 4.522 and p-value of 0.000. and learning organization has a positive and significant effect on innovative work behavior as shown by the original sample value of 0.262, t-statistic of 1.813 and p-value of 0.035.
DETERMINAN FINANCIAL BEHAVIOUR PADA KELUARGA DENGAN ANAK STUNTING DI KABUPATEN KOLAKA Agus Zul Bay; Iis Afrianty; Fitri Kumalasari
Journal Publicuho Vol. 6 No. 4 (2023): November - January - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v6i4.301

Abstract

In the Sustainable Development Goals (SDGs), one of them is overcoming the problem of stunting. Socioeconomic conditions are a supporting factor in the level of stunting in Indonesia. The government's efforts to tackle the problem of stunting are by providing financial assistance and nutritious staple foods. These efforts will certainly be effective with good financial behaviour. This research aims to examine the level of determinants of financial behaviour. The determinants of financial behaviour that are studied in this research are the effect of financial literacy, the effect of financial attitudes and the effect of lifestyle on the financial behaviour of families with stunted children in the Wundulako Community Health Center Working Area, Kolaka Regency. This research is quantitative (explanatory research). The data analysis was carried out was measuring the structural model testing model using the Structural Equations Model (SEM) analysis technique using PLS 3.0. This research shows that financial literacy and financial attitudes have a significant positive effect on financial behaviour. However, lifestyle does not have a significant effect on financial behaviour.
IMPLEMENTASI FINANSIAL LITERASI DAN FINANSIAL TEKNOLOGI DALAM PENGELOLAAN KEUANGAN UMKM DI KABUPATEN KOLAKA Fitri Kumalasari Fitri; Agus Zul Bay; Fetni; Perduti Lestari Rulimo
Journal Publicuho Vol. 7 No. 2 (2024): May - July - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v7i2.449

Abstract

The current condition of micro, small, and medium enterprises is not as bad as it used to be. However, in this developmental process, micro, small, and medium enterprise managers face various challenges, including limited financial understanding and a lack of skills in applying technology for financial management. This study employs qualitative methods to understand the implementation of Financial Literacy and Financial Technology in managing micro, small, and medium enterprises' finances in Kolaka Regency using purposive sampling techniques. Qualitative descriptive data analysis techniques were used. According to Bogdan in Hardan et al. (2020), data analysis is a systematic process of collecting and describing information from various sources such as interviews, field notes, and other materials. The aim of this process is to facilitate a better understanding and communicate the results to others. Research shows that financial literacy and financial technology in managing MSME finances in Kolaka Regency are working well, helping MSMEs manage financial resources effectively and utilize digital payments to increase access to financial services and financial inclusion.
The Influence of Product Quality, Price, and Lifestyle on the Decision to Purchase Preloved Clothes in Tiktok Shop Fhita Fhita; Andry Stepahnie Titing; Agus Zul Bay
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 2 (2025): Agustus : Jurnal Manajemen, Bisnis dan Kewirausahaan (JUMBIKU)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v5i2.5698

Abstract

This study aims to analyze the influence of product quality, price, and lifestyle on the purchase decisions of preloved clothing among Generation Z consumers on TikTok Shop in Kolaka Regency. With the growing popularity of social commerce and sustainable fashion trends, preloved or second-hand clothing has become an increasingly attractive option, particularly among younger, digitally engaged consumers. Using a quantitative approach, this study employs Structural Equation Modeling with Partial Least Squares (SEM-PLS) to examine the relationships between variables. Data were collected from 150 respondents through purposive sampling, targeting active TikTok users aged 18–27 who had previously purchased preloved clothing online. The findings reveal that all three independent variables—product quality, price, and lifestyle—have a positive and statistically significant effect on purchase decisions. Among them, lifestyle exerts the strongest influence (β = 0.42), suggesting that factors such as self-expression, social identity, peer influence, and alignment with current fashion trends play a crucial role in shaping Generation Z's purchasing behavior. Product quality (β = 0.31) and price (β = 0.29) also significantly impact decisions, reflecting the importance of perceived value and affordability in a competitive online market. The coefficient of determination (R² = 0.44) indicates that 44% of the variation in purchase decisions can be explained by the three variables. These results offer valuable insights for digital marketers, TikTok influencers, and preloved fashion entrepreneurs in designing more personalized, lifestyle-oriented, and value-driven marketing strategies. By aligning their campaigns with the identity-driven consumption patterns of Generation Z, businesses can strengthen customer engagement and drive purchase intentions in the evolving digital economy.
Pengaruh Pendapatan, Literasi Keuangan, Efikasi Keuangan Dan Locus Of Control Terhadap Perilaku Keuangan Pada Pelaku Usaha Mikro Di Kelurahan Anaiwoi Nanang Arjun Amirsa; Niar Astaginy; Agus Zul Bay
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4447

Abstract

Penelitian ini bertujuan untuk mengetahui:(1) Pengaruh Pendapatan terhadap Perilaku Keuangan pelaku usaha mikro (2) Pengaruh Litearsi Keuangan terhadap Perilaku Keuangan pelaku usaha mikro. (3) Pengaruh Efikasi Keuangan terhadap Perilaku Keuangan pelaku usaha mikro. (4) Pengaruh Locus of Control terhadap Perilaku Keuangan pelaku usaha mikro. (5) Pengaruh Pendapatan, Literasi Keuangan, Efikasi Keuangan, dan Locus of Control terhadap Perilaku Keuangan pelaku usaha mikro. Penelitian ini menggunakan pendekatan dengan metode Kuantitatif. Pengumpulan data dalam penelitian ini menggunakan Observasi, Dokumentasi dan Kuesioner. Populasi dalam penelitian ini adalah Pelaku usaha Mikro di Kelurahan Anaiwoi Kecamatan Tanggetada. Sedangkan sampel penelitian ini berjumlah 89 orang. Pengujian instrument penelitian menggunakan uji validitas dan uji reliabilitas dengan SPSS 25.0. Teknik analisis data yang digunakan dalam penelitian ini adalah Uji Asumsi Klasik dan Regresi Linear Berganda menggunakan SPSS 25. Berdasarkan hasil penelitian diketahui bahwa: (1) Pendapatan memiliki pengaruh signifikan terhadap perilaku keuangan pelaku usaha mikro di Kelurahan Anaiwoi, dengan nilai signifikansi 0,005 (<0,05) dan koefisien positif 0,493. (2) Literasi Keuangan berpengaruh signifikan terhadap perilaku keuangan pelaku usaha mikro di Kelurahan Anaiwoi, dengan nilai signifikansi 0,000 (<0,05) dan koefisien positif 0,519. (3) Efikasi Keuangan tidak berpengaruh signifikan terhadap perilaku keuangan pelaku usaha mikro di Kelurahan Anaiwoi, dengan nilai signifikansi 0,125 (> 0,05) meskipun koefisien regresinya positif (0,163). (4) Locus of Control tidak berpengaruh signifikan terhadap perilaku keuangan pelaku usaha mikro di Kelurahan Anaiwoi. Nilai signifikansi sebesar 0,897 (> 0,05) dan koefisien regresi negatif -0,014. (5) variabel Pendapatan, Literasi Keuangan, Efikasi Keuangan, dan Locus of Control secara bersama-sama berpengaruh signifikan terhadap Perilaku Keuangan pelaku usaha mikro di Kelurahan Anaiwoi. Hal ini ditunjukkan oleh nilai F hitung sebesar 24,004 dengan signifikansi 0,000 (< 0,05).
PERAN PERTEMUAN PENINGKATAN KAPASITAS KELUARGA PADA PENGELOLAAN KEUANGAN KELUARGA PENERIMA MANFAAT PROGRAM KELUARGA HARAPAN Agus Zul bay; Fitri Kumalasari; Fetni; La Ode Maulid
Journal Publicuho Vol. 7 No. 4 (2024): November - January - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v7i4.554

Abstract

This research aims to understand and describe the role of Family Capacity Building Meetings in financial management for Beneficiary Families of the Family Hope Program. Using qualitative descriptive research methods, the data collected consisted of primary data and secondary data. Primary data was obtained through interviews with three informants from PKH HR and 15 PKH KPM, as well as the results of field observations. Meanwhile, secondary data was collected through literature study and supporting literature. The data analysis technique used is qualitative analysis, which includes data collection, data reduction, data presentation, and drawing conclusions, as explained by Miles and Huberman. The findings indicate that PKH human resources understand the objectives and benefits of the P2K2 program, resulting in a significant impact on enhancing the knowledge and financial management skills of KPM PKH. Through P2K2 meetings, KPMs gain additional insights into family financial management. However, challenges remain, as some KPMs struggle with financial management due to the instability of their monthly income.
PENINGKATAN KAPASITAS KELUARGA MELALUI PERAN PENDAMPING PKH DI KABUPATEN MUNA Fetni; I Rawati; Agus Zul Bay; Maulid
Journal Publicuho Vol. 8 No. 2 (2025): May - July - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v8i2.770

Abstract

This study aims to explore and gain a comprehensive understanding of the role of facilitators in the Family Hope Program (PKH) in improving family capacity. A qualitative approach is employed, with the main focus on obtaining an in-depth understanding of the social dynamics occurring in the field. Techniques included observation, in-depth interviews, focus group discussions (FGDs), and document analysis. Data analysis was conducted using a thematic approach, in which the collected data were grouped into key themes, such as the strategic role of PKH facilitators, their contribution to enhancing family capacity, and the various challenges encountered during the assistance process. The study's results indicated that facilitators play a crucial role in the success of the PKH program, particularly in encouraging improvements in family capacity. In this regard, the role of facilitators encompasses four main functions, as outlined by Jim Ife: facilitators, educators, representatives, and technical implementers. These four roles contribute significantly to changes in KPM behaviour in areas such as education, health, economy, and social awareness. However, the implementation of the facilitator's role has not been fully optimal, especially in technical aspects, due to limited infrastructure, inadequate access to information technology, insufficient administrative support from local policymakers, and program socialisation that has not reached all segments of society. Therefore, the success of PKH assistance is highly dependent on the facilitator's skills and active involvement throughout the process, as well as the need for synergy among various stakeholders to address field challenges.
Co-Authors Agus Ambarsari Andini Marsyah Andry Stepahnie Titing Arini Indah Sridayani Fetni Fetni Fhita Fhita Fitri Kumalasari Fitri Kumalasari Fitri Hendrik I Rawati Ismanto La Ode Maulid Maulid Maulid Nanang Arjun Amirsa Niar Astaginy Perduti Lestari Rulimo