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Pengaruh Literasi Keuangan, Konformitas Teman Sebaya, dan Kecemasan Finansial terhadap Perilaku Keuangan Generasi Z di Jabodetabek Akmelia Zahra; Suparno Suparno; Fitra Dila Lestari
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/qh09gt59

Abstract

This study aims to analyze the effects of Financial Literacy, Peer Conformity, and Financial Anxiety on the Financial Behavior of Generation Z in the Greater Jakarta area. This study employed a quantitative approach with an explanatory and cross-sectional design. Data were collected through questionnaires distributed via social media and in person to 196 respondents selected using purposive sampling. The data were analyzed using multiple linear regression with IBM SPSS Statistics 32. The results indicate that Financial Literacy has a positive and significant effect on Financial Behavior, while Peer Conformity has a negative and significant effect. Meanwhile, Financial Anxiety has no significant effect on Financial Behavior. The Adjusted R Square value of 0.288 indicates that the three variables explain 28.8% of the variation in Financial Behavior, while the remaining 71.2% is explained by other factors outside the research model. These findings emphasize the importance of financial understanding and independence in financial decision-making among Generation Z.
Analisis Komparatif Penggunaan AI Multiplatform terhadap Kemampuan Berpikir Kritis Siswa Kelas X pada Mata Pelajaran Ekonomi di SMA Negeri 37 Jakarta. Ani Rosada; Suparno Suparno; Fitra Dila Lestari
Jurnal Penelitian Ilmu Pendidikan Indonesia Vol. 5 No. 2 (2026)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jpion.v5i2.1325

Abstract

Penelitian ini bertujuan untuk mengetahui perbedaan kemampuan berpikir kritis siswa yang menggunakan AI berupa ChatGPT, Gemini, dan Meta AI serta menggunakan Konvensional biasa pada mata pelajaran Ekonomi. Metode yang digunakan dalam penelitian ini adalah quasi experiment dengan desain nonequivalent group design. Populasi dalam penelitian ini adalah siswa kelas X SMA Negeri 37 Jakarta. Sampel penelitian terdiri atas tiga kelompok eksperimen yang diberikan perlakuan menggunakan media berbasis Artificial Intelligence (AI), serta satu kelompok kontrol yang menggunakan pembelajaran konvensional. Data dikumpulkan melalui tes objektif berupa berbentuk pilihan ganda. Data penelitian ini dianalisis menggunakan uji ANOVA dan uji lanjutan Post Hoc. Hasil penelitian menunjukkan bahwa terdapat perbedaan kemampuan berpikir kritis yang signifikan antara kelompok yang menggunakan AI dan kelompok konvensional (Sig. = 0,025 < 0,05). Namun, hasil uji Tukey HSD menunjukkan bahwa tidak terdapat perbedaan yang signifikan antara ChatGPT, Gemini, dan Meta AI dalam meningkatkan kemampuan berpikir kritis siswa.
Pengaruh Literasi Ekonomi Terhadap Inovasi Dengan Keterampilan Wirausaha Sebagai Mediasi Pada Jakpreneur Hana Nabilla; Suparno Suparno; Karuniana Dianta Arfiando Sebayang
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 2: Januari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i2.6981

Abstract

Pada berbagai bidang seperti bidang politik, ekonomi, teknologi dan sosisl yang saling berkesinambungan, perubahan dirasakan berlangsung sangat cepat. Perkembangan yang telah terjadi membuat masyarakat merasakan dampak yang begitu terasa khususnya dalam bidang ekonomi. Pelaku Usaha Mikro, Kecil, Menengah (UMKM) menjadi salah satu pelaku kegiatan ekonomi yang harus menghadapi persaingan dan tantangan tersebut. Tujuan penelitian ini dilakukan agar mengetahui sejauh mana inovasi UMKM pada Jakpreneur dengan penyesuaian kedaaan ekonomi usahanya dan keterampilan yang dilakukan oleh wirausaha. Metode penelitian ini menggunakan kuantitatif yaitu mengumpulkan data berupa angka yang diolah dan dianalisis untuk mendapatkan suatu informasi dari angka angka tersebut. Teknik pengumpulan data berupa kuesioner dengan metode pengambilan sampel yaitu purposive sampling. Hasil penelitian ini menunjukan bahwa literasi ekonomi dan keterampilan wirausaha berpengaruh secara positif dan signifikan terhadap inovasi, serta keterampilan wirausaha memediasi pengaruh tidak langsung antara literasi ekonomi dan inovasi pada UMKM Jakpreneur Jakarta Selatan. Bahwa semakin tinggi akan literasi ekonomi dan keterampilan wirausaha maka inovasi suatu usaha dalam menjalankan usahanya akan semakin baik.
Pengaruh Pengalaman Belajar Ekonomi dan Literasi Digital Terhadap Keputusan Pembelian Skincare pada Generasi Z d Jabodetabek Melalui Rational Consumer Behavior Sebagai Variabel Intervening Assya Fitri; Suparno Suparno; Aditya Pratama
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/eda23c34

Abstract

Penelitian ini untuk melihat Pengaruh Pengalaman Belajar Ekonomi dan Literasi Digital Terhadap Keputusan Pembelian Skincare pada Generasi Z d Jabodetabek Melalui Rational Consumer Behavior Sebagai Variabel Intervening. Penelitian ini dilaksanakan dengan cakupan responden yang tersebar di berbagai wilayah Jabodetabek. Pengumpulan data dilakukan secara daring (online) melalui penyebaran kuesioner dalam bentuk Google Form yang dibagikan melalui platform digital seperti Instagram, WhatsApp, dan X. Kuesioner pada penelitian ini difokuskan pada responden yang termasuk ke dalam bagian Generasi Z atau setiap individu yang berusia 18 – 28 tahun di Jabodetabek. Teknik analisis data yang digunakan pada penelitian ini adalah analisa Structural Equation Modeling (SEM) dengan menggunakan Partial Least Squares (PLS). Structural Equation Modeling (SEM). Hasil penetian didapatkan bahwa secara keseluruhan Literasi digital memediasi pengaruh pengalaman belajar ekonomi terhadap keputusan pembelian skincare pada Generasi Z. Pengalaman belajar ekonomi menjadi lebih efektif dalam mempengaruhi keputusan pembelian ketika didukung oleh literasi digital yang baik, sehingga konsumen mampu menerapkan pengetahuan ekonomi dalam konteks pasar digital.
Navigating Institutional Pressures and Cognitive Aspects: Strategies for Sustainable Corporate Performance in Creative Industries Iskhak Ishkak; Setyo Ferry Wibowo; Suparno Suparno
Journal of Applied Data Sciences Vol 7, No 1: January 2026
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v7i1.1058

Abstract

This study examines the relationship between institutional pressures and corporate performance through the lens of corporate cognitive aspects in the Indonesian creative industry sector. Data were collected from 531 business owners across fashion, food, and crafts sectors and analyzed using Structural Equation Modeling Partial Least Squares (SEM–PLS). The results show that institutional pressures significantly affect digital transformation (β = 0.656, p 0.001), entrepreneurial orientation (β = 0.748, p 0.001), dynamic capability (β = 0.660, p 0.001), and competitive advantage (β = 0.759, p 0.001). However, the direct effect of institutional pressures on corporate performance is not significant (β = 0.039, p = 0.231). Instead, digital transformation (β = 0.347, p 0.001), entrepreneurial orientation (β = 0.146, p = 0.007), and dynamic capability (β = 0.446, p 0.001) mediate the relationship, explaining 65% of the variance in corporate performance (R² = 0.65). This study contributes to the literature by highlighting the role of corporate cognitive aspects and emphasizing the integration of institutional theory into entrepreneurial practice. Moreover, it aligns with Sustainable Development Goals (SDGs) 9 and 12 by promoting responsible consumption and innovation in industry. One limitation of this study lies in its focus on Indonesia’s creative sector, suggesting that future research should explore broader contexts. The findings encourage businesses to adopt corporate cognitive aspects to achieve sustainable growth. Future studies could also investigate additional antecedents of corporate cognitive aspects and their influence on environmental performance.
Pengaruh Adopsi Teknologi Digital terhadap Transformasi Digital UMKM dengan Kemampuan Berinovasi sebagai Variabel Mediasi pada Sektor Kuliner di DKI Jakarta Nabila Az - Zahra Putri; Fitra Dila Lestari; Suparno Suparno
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 5 (2026): AGUSTUS-SEPTEMBER
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/wxn0mw38

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This study aims to analyze the effect of digital technology adoption on the digital transformation with innovation capability as a mediating variable of culinary-sector MSMEs in DKI Jakarta. The study is motivated by the still low and uneven utilization of digital technology among culinary MSMEs, most of which remain focused on transactional aspects. The research employed a quantitative approach with a survey method involving 225 culinary MSME actors in DKI Jakarta who had adopted at least one digital technology, selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with SmartPLS 4. The results show that digital technology adoption has a positive and significant effect on innovation capability, innovation capability has a positive and significant effect on digital transformation, and innovation capability is proven to partially mediate the effect of digital technology adoption on digital transformation. In addition, digital technology adoption also has a direct positive and significant effect on digital transformation (β = 0.368; p < 0.001). These findings reinforce the Technology Acceptance Model (TAM) and Dynamic Capability Theory, and indicate that improving MSME digital transformation depends not only on digital technology adoption but also on business actors' ability to develop product, process, and market innovation. Therefore, strengthening innovation capability needs to be a primary focus in efforts to optimally and sustainably drive the digital transformation of culinary-sector MSMEs.
Pengaruh Budaya Sekolah dan ICT Self-Efficacy Terhadap Kompetensi Technological Pedagogical Content Knowledge (TPACK) pada Guru Reynita Nurwahyuni; Siti Nurjanah; Suparno
CARONG: Jurnal Pendidikan, Sosial dan Humaniora Vol. 2 No. 3 (2025): Juli-September, Education and Community
Publisher : Universitas Serambi Mekkah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/zdz91m13

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  Transformasi pendidikan di era Revolusi Industri 4.0 dan Society 5.0 menuntut guru menguasai kompetensi TPACK agar mampu mengintegrasikan teknologi secara efektif dalam pembelajaran. Namun, penguasaan TPACK guru di Indonesia masih menghadapi berbagai hambatan personal dan institusional. Penelitian ini bertujuan untuk menganalisis pengaruh ICT Self-efficacy dan budaya sekolah terhadap kompetensi TPACK guru, serta menguji peran mediasi ICT Self-efficacy dalam hubungan tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei dan analisis data melalui PLS-SEM. Sampel penelitian mencakup 58 guru di MA Persis Tarogong, Garut. Instrumen berupa angket skala Likert digunakan untuk mengukur budaya sekolah, ICT Self-efficacy, dan TPACK. Hasil penelitian menunjukkan bahwa budaya sekolah memiliki pengaruh positif dan signifikan terhadap TPACK guru, baik secara langsung maupun melalui mediasi ICT Self-efficacy. Budaya sekolah yang suportif dan inovatif mendorong peningkatan kepercayaan diri guru dalam menggunakan teknologi, yang berdampak pada peningkatan kompetensi TPACK. Penelitian ini merekomendasikan penguatan budaya sekolah yang mendukung inovasi serta pelatihan berkelanjutan untuk meningkatkan ICT Self-efficacy, guna memperkuat profesionalisme guru dalam pembelajaran berbasis teknologi dan implementasi Kurikulum Merdeka.      
Studi Komparasi Model Project Based Learning dan Problem Based Learning terhadap Kemampuan Berpikir Kritis dengan Kemampuan Metakognitif sebagai Variabel Moderasi Wahyu Juwita Permata Sari; Fitra Dila Lestari; Suparno Suparno
Educational Journal Vol. 2 No. 1 (2026): AGUSTUS-OKTOBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/mgzcfh12

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This study analyzes differences in students' critical thinking skills between those taught with Project Based Learning (PjBL) and Problem Based Learning (PBL) models, and examines the moderating role of metacognitive ability in this relationship. The research was motivated by persistently low critical thinking skills among students in Economics subjects and the need to compare constructivism-based learning models while considering students' metacognitive characteristics. Using a quantitative approach with a quasi-experimental design (Pretest-Posttest Non-Equivalent Group Design), the study involved 71 tenth-grade students from SMA Negeri 58 Jakarta selected through purposive sampling: class X-A as the PjBL group (36 students) and class X-C as the PBL group (35 students). Data were collected through a critical thinking skills test and a metacognitive ability questionnaire, then analyzed using N-Gain and Two-Way ANOVA tests with SPSS. Results revealed a significant difference in critical thinking skills between the two groups, with PBL proving more effective (moderate N-Gain category) than PjBL (low N-Gain category). Metacognitive ability showed no significant effect and did not significantly moderate the relationship between learning models and critical thinking skills, indicating consistent effects across metacognitive levels. These findings suggest that critical thinking skills in Economics can be optimized through broader implementation of PBL, regardless of students' metacognitive ability, contributing to constructivist learning research and informing effective teaching strategies.
Pengaruh Literasi Ekonomi, Media Sosial, dan Kemudahan Transaksi terhadap Perilaku Ekonomi Rasional Generasi Z di DKI Jakarta Nafilatul Ainiyeh; Suparno Suparno; Fitra Dila Lestari
Educational Journal Vol. 2 No. 1 (2026): AGUSTUS-OKTOBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/4qq0x882

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This study aims to determine the influence of economic literacy, social media, and ease of transactions on rational economic behavior. Generation Z was selected because they tend to be responsive to trends and are therefore easily influenced to engage in consumptive behavior. The research design is quantitative, involving the distribution of questionnaires via Google Forms links both online and offline. This study was conducted in DKI Jakarta. The sampling technique used was purposive sampling. The respondents in this study were 210 members of Generation Z residing in DKI Jakarta. The data analysis technique used was descriptive analysis employing Structural Equation Modeling software based on Partial Least Squares, version 4.1.1.8. The results of this study indicate that economic literacy and social media significantly influence rational economic behavior. Meanwhile, transaction convenience does not influence rational economic behavior.