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Literasi Keuangan, Fear of Missing Out (FOMO), Gaya Hidup Hedonistik, dan Pemanfaatan Teknologi Informasi terhadap Perilaku Keuangan Mahasiswa dengan Minat Investasi sebagai Variabel Mediasi Muhammad Distian Andi Hermawan
Jurnal Manajemen Bisnis Vol. 1 No. 3 (2026): April-Juni
Publisher : Samudra Ilmu Indonesia

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Abstract

Perkembangan teknologi keuangan digital dan media sosial pada tahun 2025 telah membentuk dinamika baru dalam perilaku keuangan mahasiswa. Kemudahan akses terhadap layanan keuangan digital diiringi dengan meningkatnya tekanan sosial, gaya hidup konsumtif, serta risiko pengambilan keputusan yang tidak rasional. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, Fear of Missing Out (FOMO), gaya hidup hedonis, serta penggunaan teknologi informasi terhadap perilaku keuangan mahasiswa dengan minat investasi sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 100 mahasiswa. Analisis data dilakukan menggunakan Structural Equation Modeling berbasis Partial Least Squares (PLS-SEM) dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan dan FOMO berpengaruh positif signifikan terhadap minat investasi dan perilaku keuangan mahasiswa. Gaya hidup hedonis berpengaruh negatif signifikan terhadap perilaku keuangan, namun tidak berpengaruh terhadap minat investasi. Penggunaan teknologi informasi tidak memiliki pengaruh signifikan baik terhadap minat investasi maupun perilaku keuangan. Selain itu, minat investasi terbukti memiliki pengaruh positif signifikan terhadap perilaku keuangan mahasiswa serta berperan sebagai variabel mediasi. Temuan ini menegaskan pentingnya peningkatan literasi keuangan dalam membentuk perilaku keuangan mahasiswa yang sehat dan berkelanjutan di era digital.
Digital Islamic Finance Research Trends: A Bibliometric Analysis of Legal Transformation and Social Practices in the Global Islamic Financial System Muhammad Distian Andi Hermawan
Contemporary Islamic Law and Legal Issue Vol. 1 No. 2 (2026)
Publisher : Presscience

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63120/islamiclegalissue.v1i2.105

Abstract

The objectives of this study are as follows: To analyze the global trend of publications on digital Islamic finance in the last seven years using a bibliometric approach. Identify the main themes, author collaboration patterns, core journals, and dominant countries in Islamic finance digital research. Uncovering research gaps related to legal and social aspects in Islamic finance digitalization. Explain how digital transformation affects legal structures, fatwa practices, and social behavior in the Islamic financial ecosystem, developing future research directions based on bibliometric findings.  This study uses a mixed-method approach based on Bibliometric analysis and Systematic Literature Review (SLR). This approach was chosen because it is able to provide a comprehensive overview of research developments, intellectual mapping, and research gap identification in the field of digital Islamic finance. Bibliometric results show that the trend of digital Islamic finance research shows that this topic is experiencing rapid development and is increasingly gaining global attention in the period 2018–2024. The growth of publications increased significantly, especially after 2021, indicating the increasing urgency of digitalization in the Islamic financial system. The emergence of themes such as blockchain, artificial intelligence, central bank digital currency (CBDC), and Islamic fintech shows that digital transformation is not only technological, but also closely related to regulatory issues, governance, and social implications. From the author's and institutional side, it can be seen that there is a concentration of contributions from several researchers and certain study centers, reflecting the formation of an active scientific community..
Digital transformation in management and accounting: Implications for MSME performance Muhammad Distian Andi Hermawan; Irham Miftahul Huda
Review of Management, Accounting, and Business Studies Vol. 7 No. 1 (2026)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/revenue.v7i1.7368

Abstract

This study aims to comprehensively examine research trends related to digital transformation in the fields of management and accounting, as well as analyse its impact on the business performance of micro, small and medium enterprises (MSMEs). A Systematic Literature Review (SLR) approach was used to synthesise and critically evaluate findings from previous empirical and conceptual studies. The reviewed articles were selected from leading academic databases to ensure the credibility and relevance of the sources. To enhance methodological transparency and rigour, the review process followed the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines, including the stages of identification, screening, eligibility, and inclusion The articles included cover the last eight years, in order to enhance the credibility and comparability of the analysis. The findings indicate that digital transformation in management functions plays an important role in improving operational efficiency, improving the quality of managerial decision-making, and increasing organisational flexibility and adaptability in a dynamic business environment. On the other hand, digital transformation in accounting practices such as the adoption of digital accounting systems, cloud-based software, and automated reporting contributes to the accuracy, transparency, and timeliness of financial information, which supports better financial control and strategic planning. However, the impact of digital transformation on SME performance is uneven, n=30 articles included. This depends heavily on internal readiness factors, including digital literacy levels, human resource competencies, technological infrastructure, and strong managerial commitment. Furthermore, this review identifies several key barriers faced by MSMEs in implementing digital transformation, such as limited financial resources, lack of technical expertise, and resistance to organisational change. This study also highlights existing research gaps, particularly the limited integration of management and accounting perspectives in analysing digital transformation. Overall, these findings contribute theoretically to the literature on digital transformation and SME performance, and offer practical insights for policymakers and practitioners in formulating effective SME development strategies in the digital era.  
Perkembangan Ekonomi Syariah dan Keuangan Syariah dalam Studi Bisnis Berkelanjutan: Systematic Literature Review Muhammad Distian Andi Hermawan
Jurnal Akuntansi dan Bisnis Syariah Vol 3 No 1 (2026): Edisi 4
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/hasina.v3i1.2333

Abstract

Perkembangan ekonomi syariah dan keuangan syariah menunjukkan tren yang semakin signifikan dalam mendukung praktik bisnis berkelanjutan, baik di negara Muslim mayoritas maupun dalam diskursus global. Fenomena ini didorong oleh meningkatnya kesadaran terhadap pentingnya sistem ekonomi yang tidak hanya berorientasi pada keuntungan, tetapi juga memperhatikan keadilan sosial, keberlanjutan lingkungan, dan tata kelola yang etis. Prinsip-prinsip ekonomi syariah dinilai memiliki kesesuaian nilai dengan konsep bisnis berkelanjutan dan ekonomi manajemen modern. Penelitian ini bertujuan untuk mengkaji secara komprehensif perkembangan riset ekonomi syariah dan keuangan syariah dalam konteks bisnis berkelanjutan melalui pendekatan Systematic Literature Review (SLR) interdisipliner. Metode penelitian menggunakan protokol Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) dengan penelusuran literatur pada basis data ilmiah bereputasi, seleksi berdasarkan kriteria inklusi dan eksklusi, serta analisis tematik kualitatif. Hasil penelitian menunjukkan bahwa riset ekonomi syariah dan keuangan syariah berkembang pesat dengan tema utama meliputi integrasi prinsip syariah dan keberlanjutan, peran keuangan syariah dalam pembiayaan berkelanjutan, serta implikasi manajemen syariah terhadap kinerja dan tata kelola bisnis. Namun demikian, penelitian masih didominasi pendekatan kuantitatif, terkonsentrasi pada wilayah tertentu, dan minim integrasi interdisipliner. Temuan ini menegaskan perlunya penguatan riset yang lebih komprehensif, aplikatif, dan lintas disiplin untuk mendukung pengembangan bisnis berkelanjutan berbasis syariah.
Tren Riset Bisnis Berbasis Syariah dalam Strategi Manajemen: Analisis Bibliometrik Interdisipliner Global Kontemporer Akademik Muhammad Distian Andi Hermawan
Jurnal Akuntansi dan Bisnis Syariah Vol 3 No 1 (2026): Edisi 4
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/hasina.v3i1.2337

Abstract

Perkembangan bisnis berbasis syariah menunjukkan tren global yang semakin signifikan dan meluas ke berbagai aspek strategi manajemen kontemporer. Fenomena ini ditandai dengan meningkatnya adopsi prinsip syariah dalam tata kelola perusahaan, strategi keberlanjutan, inovasi, serta transformasi digital, seiring dengan meningkatnya tuntutan terhadap praktik bisnis yang beretika dan inklusif. Namun, pesatnya perkembangan praktik bisnis syariah belum sepenuhnya diimbangi dengan pemetaan akademik yang sistematis dan komprehensif, khususnya dalam konteks strategi manajemen global. Penelitian ini bertujuan untuk memetakan tren, struktur intelektual, dan dinamika perkembangan riset bisnis berbasis syariah dalam strategi manajemen melalui pendekatan bibliometrik interdisipliner. Metode penelitian menggunakan analisis bibliometrik terhadap publikasi ilmiah yang terindeks dalam basis data Scopus dan Web of Science dengan teknik analisis deskriptif, co-citation, dan keyword co-occurrence yang divisualisasikan menggunakan VOSviewer dan Bibliometrix. Hasil penelitian menunjukkan adanya peningkatan signifikan jumlah publikasi dalam dua dekade terakhir dengan dominasi kontribusi negara mayoritas Muslim, meskipun keterlibatan negara non-Muslim terus meningkat. Struktur intelektual riset terbentuk dalam beberapa klaster utama, meliputi ekonomi Islam, tata kelola dan etika bisnis, strategi dan kinerja organisasi, serta kewirausahaan dan industri halal. Temuan ini menegaskan bahwa bisnis berbasis syariah telah berkembang menjadi bidang kajian strategis yang relevan dan berpotensi memperkaya literatur manajemen global.
Green Human Resource Management for Organizatinal Sustanabilty: A Systematic Literature Review (2021-2026) Muhammad Distian Andi Hermawan; Debi Septiani
Jurnal Manajemen Bisnis Vol. 1 No. 3 (2026): April-Juni
Publisher : Samudra Ilmu Indonesia

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Abstract

Meningkatnya tuntutan terhadap praktik bisnis berkelanjutan telah mendorong organisasi untuk mengintegrasikan perspektif lingkungan ke dalam sistem manajemen strategis, termasuk manajemen sumber daya manusia. Green Human Resource Management (GHRM) muncul sebagai pendekatan strategis yang menyelaraskan praktik manajemen sumber daya manusia dengan tujuan keberlanjutan lingkungan melalui pengembangan kompetensi hijau, peningkatan kesadaran lingkungan karyawan, dan pembentukan budaya organisasi yang berkelanjutan. Penelitian ini bertujuan untuk menganalisis perkembangan penelitian mengenai Green Human Resource Management dalam mendukung keberlanjutan organisasi melalui pendekatan Systematic Literature Review (SLR) pada periode 2021–2026. Penelitian mengikuti kerangka Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA 2020) yang meliputi tahapan identifikasi, penyaringan, penilaian kelayakan, dan inklusi artikel ilmiah yang relevan. Penelusuran literatur dilakukan melalui beberapa basis data akademik, yaitu Scopus, ScienceDirect, SpringerLink, Emerald Insight, Taylor & Francis Online, dan Google Scholar dengan menggunakan kata kunci yang berkaitan dengan Green Human Resource Management, Sustainable Human Resource Management, Organizational Sustainability, Green Innovation, dan Environmental Performance. Hasil kajian menunjukkan bahwa GHRM memberikan kontribusi yang signifikan terhadap keberlanjutan organisasi melalui berbagai praktik utama, seperti rekrutmen dan seleksi hijau, pelatihan dan pengembangan hijau, manajemen kinerja hijau, kompensasi hijau, serta pengembangan perilaku hijau karyawan. Selain itu, penelitian-penelitian terbaru menunjukkan adanya peningkatan fokus pada integrasi GHRM dengan inovasi hijau, praktik Environmental, Social, and Governance (ESG), transformasi digital sumber daya manusia, dan penguatan kapabilitas organisasi yang berkelanjutan. Meskipun demikian, literatur yang ada masih menunjukkan adanya kesenjangan penelitian terkait standardisasi indikator pengukuran, studi lintas industri, serta integrasi teknologi baru dalam praktik manajemen sumber daya manusia berkelanjutan. Penelitian ini memberikan kontribusi melalui pemetaan yang komprehensif terhadap tren penelitian GHRM sekaligus mengidentifikasi arah penelitian di masa mendatang guna memperkuat peran manajemen sumber daya manusia dalam mewujudkan keberlanjutan organisasi.
Productivity And Efficiency Of Msmes In The Digital Era: A Literature Review From A Microeconomic Perspective Muhammad Distian Andi Hermawan
Jurnal Manajemen Bisnis Vol. 1 No. 4 (2026): Juli-September
Publisher : Samudra Ilmu Indonesia

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Abstract

The purpose of this research is to analyze microeconomic concepts and theories that are relevant to the productivity and efficiency of MSMEs, as well as to identify and review the results of previous research that examine the determinants of productivity and efficiency of MSMEs in the digital era, and analyze the influence of digitalization on cost structure, production functions, and decision-making behavior in MSMEs. The research method used is literature review. Literature review is a term used to refer to a specific research methodology or research and development carried out to collect and evaluate research related to the focus of a particular topic. The results of this Literature Review are. Digitalization has great potential to increase the productivity and efficiency of MSMEs through technology improvement mechanisms (), reduction of transaction and distribution costs, and increased labor effectiveness (L). However, these positive impacts are highly dependent on the internal readiness of MSMEs (capital, skills, culture), external infrastructure (technology, logistics, regulations), and adaptive business strategies. To maximize this potential, integrated policies are needed, including training, technology financing, digital infrastructure, and MSME assistance, in addition to further research that is more in-depth in microeconomics
Systematic Literature Review on the Integration of Digitalization and Sustainability in Local Community-Based Strengthening Local Economic Development Strategies Muhammad Distian Andi Hermawan
Community Development and Empowerment Vol. 1 No. 1 (2025): November
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/code.v1i1.8

Abstract

This study examines the integration of financial technology (fintech) and green economy principles to promote sustainable gold trading in Indonesia, addressing the persistent challenges of environmental degradation, low transparency, and inefficiencies within the gold value chain. Unsustainable mining practices and limited traceability mechanisms have contributed to ecological damage and questionable supply-chain accountability. To respond to these issues, the research aims to analyze how fintech-based innovations such as blockchain, digital payments, and algorithmic monitoring can strengthen environmental governance, increase transparency, and improve trading efficiency in alignment with green economy goals. A quantitative research method was employed, involving the distribution of structured questionnaires to 250 respondents comprising investors, digital gold users, and fintech platform customers. Data were analyzed using structural equation modeling to assess the influence of fintech adoption, environmental awareness, and regulatory support on sustainable trading behavior. The results indicate that fintech adoption significantly enhances user trust, transaction transparency, and supply-chain accountability. Moreover, green economy awareness positively moderates users' preference for environmentally responsible trading platforms. Regulatory support further strengthens the ecosystem by providing a formal framework for environmental standards and digital verification processes. Overall, the study demonstrates that the synergy between fintech and green economy principles effectively drives sustainable gold trading practices in Indonesia. It highlights the need for stronger multi-stakeholder collaboration involving regulators, fintech companies, and environmental institutions to ensure responsible resource utilization while maintaining market competitiveness. The findings offer strategic insights for policymakers and industry actors seeking to accelerate sustainable digital transformation within the commodity sector.
Bridging Economic and Social Goals: A Systematic Analysis of the Contribution of Social Entrepreneurship to Inclusive Development Debi Septiani; Muhammad Distian Andi Hermawan
Community Development and Empowerment Vol. 1 No. 1 (2025): November
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/code.v1i1.12

Abstract

Inclusive development is becoming a key paradigm on the global development agenda as awareness grows that economic growth is not automatically able to reduce poverty, inequality, and social exclusion. In that context, social entrepreneurship emerged as an alternative approach that integrates economic and social goals through sustainable social value creation. However, the contribution of social entrepreneurship to inclusive development is still variously understood and has not been comprehensively conceptualized in the academic literature. This research aims to systematically and critically examine the contribution of social entrepreneurship to inclusive development in the last five years (2020–2024). The method used was a systematic literature review of scientific articles indexed by Scopus, Web of Science, and Google Scholar, with a total of 50 studies that met the inclusion criteria. The analysis was carried out using a thematic analysis approach to identify the concepts, contribution mechanisms, and challenges of social entrepreneurship implementation. The results of the study show that social entrepreneurship contributes to inclusive development through three main dimensions, namely economic, social, and institutional, including through the creation of inclusive jobs, increasing access to basic services, empowering marginalized communities, and strengthening multisectoral collaboration. Nonetheless, the study also identified significant challenges related to scalability, financial sustainability, and social impact measurement. These findings affirm the importance of strengthening conceptual frameworks, policy support, and the development of more systematic impact evaluation methodologies to optimize the role of social entrepreneurship in fostering inclusive and sustainable development.
Smart Ecosystem Performance Optimization Using Federated Learning for IoT-Based Real-Time Data Processing Muhammad Distian Andi Hermawan
Journal of Computing and Smart Ecosystems Vol. 2 No. 1 (2026): J-CaSE
Publisher : S1 Teknologi Informasi, Universitas Muhammadiyah Semarang

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Abstract

The rapid expansion of smart ecosystems driven by Internet of Things (IoT) technologies requires real-time data processing that is secure, efficient, and capable of handling large-scale heterogeneous data streams. Traditional centralized learning approaches often struggle with latency, bandwidth constraints, and privacy risks due to the continuous transfer of raw data. This study aims to optimize smart ecosystem performance by integrating Federated Learning (FL) as a distributed intelligence framework for real-time IoT data processing. The proposed model allows multiple IoT nodes to collaboratively train a global model without sharing raw data, thereby enhancing privacy protection and reducing network load. Experimental results demonstrate that FL provides higher accuracy, better scalability, and improved resilience compared to centralized systems, especially in environments with diverse sensor distributions. These findings confirm that Federated Learning is a highly promising approach for strengthening smart ecosystem reliability, responsiveness, and data security. This research contributes to developing future-ready IoT architectures capable of supporting intelligent, decentralized, and privacy-preserving environments.