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All Journal Syntax Idea Al-Kharaj: Journal of Islamic Economic and Business Literacy: Jurnal Pendidikan Ekonomi Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia
Ahlia, Isma Shalihi
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Medicine & Pharmacology Nursing Public Health Social Sciences

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THE INFLUENCE OF GENDER AND FAMILY BACKGROUND ON FINANCIAL BEHAVIOR WITH FINANCIAL LITERACY AS A MEDIATION VARIABLE: STUDY ON GENERATION Z TEENS IN JAYAPURA CITY Manalu, Palti; Ahlia, Isma Shalihi; Agustin, Sheilla Putri
Literacy: Jurnal Pendidikan Ekonomi Vol. 5 No. 2 (2024): Desember
Publisher : Jurusan Pendidikan Ekonomi Fakultas Ekonomi dan Bisnis UNIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/jpeunima.v5i2.10929

Abstract

This study examines the determinants of financial behavior among Generation Z in Jayapura, Papua, with a specific focus on gender and family background influences, mediated by financial literacy. Using path analysis, the research surveyed 223 respondents aged 17-25 years through accidental sampling. The findings reveal that financial literacy directly influences Generation Z's financial behavior, with a significance value of 0.003 (p < 0.05). Both gender and family background significantly affect financial literacy, contributing 13.1% to its variance. The study demonstrates that gender indirectly influences financial behavior through financial literacy, with indirect effects (0.01312) exceeding direct effects (-0.153). However, family background shows stronger direct effects (0.425) compared to indirect effects (0.0276) on financial behavior, indicating that financial literacy does not effectively mediate this relationship. The overall model explains 24.7% of the variance in financial behavior. These findings contribute to understanding the complex relationships between demographic factors, financial literacy, and financial behavior among Generation Z in eastern Indonesia's context. The study recommends future research to incorporate additional variables to enhance the model's explanatory power and employ more precise measurement techniques.
The Effect of Financial Behavior, Financial Technology, and E-Commerce Adoption on UMKM Income Growth: A Case Study of 'Baku Timba Fest,' Jayapura City Aprianto La’lang Kuddy; Neni Setiarini; Isma Shalihi Ahlia; Fanny K.T. Sitompul
Syntax Idea 6812-6815
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/syntax-idea.v6i12.11848

Abstract

This study investigates the influence of financial behavior, financial technology, and e-commerce adoption on the income growth of micro, small, and medium enterprises (UMKM) participating in the "Baku Timba Fest" in Jayapura City. Using purposive sampling, data were collected from 30 respondents through questionnaires. Employing a quantitative research method, classical assumption tests and multiple linear regression analyses were conducted. The findings reveal that financial behavior significantly impacts income growth. Although financial technology and e-commerce adoption exhibit a positive relationship with income growth, their effects are not statistically significant. Furthermore, collectively, all three variables significantly influence UMKM income growth. These results highlight the need for targeted strategies to enhance financial behavior and effectively leverage technology for sustainable income growth among UMKM.
Pelatihan Teknis dan Pendampingan Manajemen Usaha Untuk Meningkatkan Penjualan Produk Di Unit Pengolahan Ikan (UPI) Distrik Sentani, Kabupaten Jayapura: Technical Training and Business Management Assistance to Increase Product Sales at The Fish Processing Unit (FPU) In Sentani District, Jayapura Regency Sitompul, Fanny Kristin Tantyah; Hutajulu, Halomoan; Ahlia, Isma Shalihi; Wijaya, Iriando; Pustap, El Shaddai Sandhy; Wanma, Johanis R; Samosir, Rasi Kasim; Siregar, Anggrainy Togi Marito
Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia Vol. 4 No. 2 (2025)
Publisher : Media Publikasi Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56303/jppmi.v4i2.998

Abstract

Distrik Sentani memiliki Potensi sumber daya manusia produktif, kekayaan sumber daya alam, dukungan kebijakan pemerintah dan keberadaan infrastruktur menciptakan peluang besar bagi pengembangan ekonomi yang berkelanjutan di Distrik Sentani, termasuk dalam pengembangan Unit Pengolahan Ikan yang dapat meningkatkan ekonomi masyarakat setempat. Unit Pengolahan Ikan di Distrik Sentani menghadapi masalah seperti kurangnya pengetahuan tentang manajemen usaha, diantaranya manajemen produksi mencakup cara-cara produksi yang baik/Good Manufacturing Practices dan manajemen pemasaran mencakup pemasaran digital, yang berdampak pada rendahnya produktivitas dan daya jual produk. Tujuan pengabdian masyarakat ini guna meningkatkan pemahaman mengenai cara-cara produksi yang baik/Good Manufacturing Practices, dan meningkatkan keterampilan melakukan pemasaran secara digital. Pengabdian masyarakat melibatkan 8 Pemilik Unit Pengolahan Ikan yang berada di Distrik Sentani. Metode yang digunakan dalam pelatihan adalah ceramah/sosialisasi dengan tatap muka langsung & pendampingan yakni dengan melakukan praktek langsung. Perbaikan : Hasil evaluasi menunjukkan peningkatan pemahaman peserta mengenai GMP dari 31,8% menjadi 100% setelah pelatihan, seluruh peserta juga berkomitmen menerapkannya dan mendaftarkan produk ke BPOM. Selain itu, seluruh peserta (100%) telah memahami strategi pemasaran digital, serta seluruh UPI telah memiliki akun pemasaran digital (Facebook Marketplace dan Google Business), meningkat dari sebelumnya yang hanya 1 UPI saja
Pelatihan Penggunaan Access Live Media Social dalam Peningkatan Penjualan pada Generasi Muda Pengrajin Noken di Jayapura: Training on the Utilization of Social Media Live Access to Improve Sales among Young Noken Artisans in Jayapura Wijaya, Iriando; Pustap, El Shaddai Sandhy; Sitompul, Fanny Kristin Tantyah; Ahlia, Isma Shalihi
Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia Vol. 4 No. 2 (2025)
Publisher : Media Publikasi Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56303/jppmi.v4i2.999

Abstract

Kerajinan Noken khas Papua memiliki nilai budaya dan ekonomi yang tinggi, namun pemasarannya oleh generasi muda pengrajin di Jayapura masih sangat bergantung pada metode konvensional. Keterbatasan dalam menjangkau pasar yang lebih luas menjadi kendala utama. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas penjualan para pengrajin muda melalui pelatihan pemanfaatan fitur live streaming di media sosial. Metode yang digunakan adalah pelatihan dan pendampingan langsung yang diikuti oleh 30 peserta generasi muda pengrajin noken. Materi mencakup dasar-dasar pemasaran digital, pengenalan platform media sosial, hingga tutorial teknis dan praktik live streaming. Evaluasi dilakukan menggunakan pre-test dan post-test untuk mengukur peningkatan pengetahuan. Hasilnya menunjukkan peningkatan pemahaman peserta secara signifikan, dengan skor rata-rata naik dari 70% pada pre-test menjadi 92% pada post-test. Selain itu, 100% peserta berhasil mempraktikkan secara langsung sesi live streaming untuk memasarkan produk mereka selama pelatihan. Pelatihan ini terbukti efektif dalam meningkatkan keterampilan dan kepercayaan diri pengrajin untuk beralih ke pemasaran digital, sehingga berpotensi memperluas jangkauan pasar dan meningkatkan penjualan
Development Of A Competency Model For Millennial Noken Crafters To Enhance The Competitive Advantage Based On The Creative Economy In The City Of Jayapura Fanny Kristin Tantyah Sitompul; Leon Mitra Harju2; Isma Shalihi Ahlia; Iriando Wijaya; Adriel Sitompul
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8236

Abstract

This study examines the competencies of millennial noken crafters in Jayapura City to improve competitive advantages based on the creative economy. The research design uses a mixed method with an Explanatory Sequential Design approach. Quantitative data was collected through a survey of 27 noken crafters with data analysis using Exploratory Factor Analysis (EFA) and multiple regression. Qualitative data was collected through in-depth interviews, observations, and document studies. The results show that the competence of noken craftsmen is largely determined by attitudes and values (β=0.403), while the competitive advantage of noken is determined by product differentiation (β=0.430). The most dominant aspect of the creative economy is the ability of noken crafters to access markets and marketing (β=0.321). Qualitative analysis highlights the need for technical training, strengthening cultural values, design differentiation, consistent promotion, and the role of government support. The competency model developed is the result of integrating attitudes and values, knowledge, and skills, then linking them to markets and marketing, creativity and innovation, collaboration and policy, cultural added value, quality and consistency to strengthen the competitiveness and sustainability of noken businesses in the creative economy era. This model is expected to serve as a practical guideline for the development of millennial noken crafters in Jayapura.
Implications Of The Unified Theory Of Acceptance And Use Of Technology 2 (Utaut2) Model On Cryptocurrency Investment Intentions Among Generation Z In Jayapura City With Financial Literacy As A Moderator Isma Shalihi Ahlia; Musa Kris Payokwa; Aprianto La'lang Kuddy; Fanny Kristin Tantyah Sitompul; Iriando Wijaya
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8238

Abstract

This study aims to analyze the effect of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) construct on the intention to invest in cryptocurrency among Generation Z in Jayapura City, with financial literacy as a moderating variable. This study uses a quantitative approach with an explanatory method. Data were obtained from 210 respondents aged 18–30 years through probability sampling techniques. Data analysis was performed using Structural Equation Modelling–Partial Least Squares (SEM–PLS) with the assistance of SmartPLS 4.0 software. The results showed that of the eight variables tested, only financial literacy had a positive and significant effect on cryptocurrency investment intentions. Meanwhile, the seven primary constructs of UTAUT2—performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit—had no significant effect. In addition, financial literacy was found to act as a moderating variable that strengthens the influence of hedonic motivation and weakens the influence of facilitating conditions on investment intentions. These findings indicate that Generation Z's investment decisions in Jayapura are more influenced by their level of financial knowledge and readiness than by technological readiness. Theoretically, this study expands the UTAUT2 model by adding financial literacy as a relevant contextual variable in explaining digital investment behaviour in developing regions. Practically, the results of this study emphasise the importance of strengthening digital financial literacy programs for young investors, developing educational content on investment platforms, and integrating digital financial literacy into college curricula to encourage rational and sustainable investment behaviour.
Co-Authors Adriel Sitompul Agustin, Sheilla Putri Anita Erari Aprianto La'lang Kuddy Aprianto Lalang Kuddy Aprianto La’lang Kuddy Fanny Kristin Tantyah Sitompul Halomoan Hutajulu Iriando Wijaya Iriando Wijaya Kuddy, Aprianto La’lang Leon Mitra Harju2 Manalu, Palti Musa Kris Payokwa Neni Setiarini Pustap, El Shaddai Sandhy Rasi Kasim Samosir, Rasi Kasim Setiarini, Neni Siregar, Anggrainy Togi Marito Sitompul, Fanny K.T. Sitompul, Fanny Kristin Tantyah Wanma, Johanis R Yasir Attamimi Yuni Riskita Mangopo