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All Journal Syntax Idea Al-Kharaj: Journal of Islamic Economic and Business Literacy: Jurnal Pendidikan Ekonomi Balance : Jurnal Akuntansi dan Manajemen Cenderabakti: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia
Ahlia, Isma Shalihi
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management 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.
Pelatihan Teknis Pembuatan Laporan Keuangan Berbasis SIAPIK Bagi Pelaku UMKM Kuliner Pemula di Kota Jayapura Erari, Anita; Attamimi, Yasir; Kuddy, Aprianto La'lang; Ahlia, Isma Shalihi; Sitompul, Fanny Kristin Tantyah; Setiarini, Neni; Mangopo, Yuni Riskita
Cenderabakti: Jurnal Pengabdian Kepada Masyarakat Vol 3 No 2 (2024): Periode Oktober
Publisher : Jurusan Manajemen dan Bisnis Fakultas Ekonomi dan Bisnis Universitas Cenderawasih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55264/cdb.v3i2.36

Abstract

The implementation of Technical Training for Making Financial Reports Based on the SIAPIK Financial Information Recording Application System for UMKM Beginner Culinary in Jayapura City, this training to improve the skills and knowledge of culinary business actors in more professional and systematic financial management. This training was attended by 24 participants who are culinary business actors, who are beginners. Through this training, they can have basic knowledge of simple accounting principles and practical use of applications as a form of recording their financial information. This training is carried out through an operational and practical approach and is technology-based, namely with materials in the form of an introduction to the basic functions of the SIAPIK application, as well as direct practice in operating it. The achievements obtained through this training are that participants become aware of making financial records in accordance with accounting standards. Participants also have accounts in the SIAPIK application system. Thus, what has been obtained through this training is a supporting factor for the development of UMKM owned by participants.
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.
Pengaruh Transfer Pembelajaran dan Self Efficacy terhadap Kesiapan Kerja Mahasiswa Pasca Magang Sitompul, Fanny KT; Ahlia, Isma Shalihi; Wijaya, Iriando
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.1029

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh transfer pembelajaran dan self-efficacy terhadap kesiapan kerja mahasiswa S1 Manajemen Fakultas Ekonomi dan Bisnis Universitas Cenderawasih yang telah menyelesaikan program magang. Penelitian ini menggunakan pendekatan kuantitatif dengan jumlah responden sebanyak 131 orang. Instrumen diuji validitas dan reliabilitasnya, sementara data dianalisis melalui uji normalitas, multikolinearitas, heteroskedastisitas, regresi linier berganda, dan ANOVA. Hasil penelitian menunjukkan bahwa self-efficacy berpengaruh signifikan terhadap kesiapan kerja mahasiswa, sedangkan transfer pembelajaran tidak memiliki pengaruh signifikan. Nilai koefisien determinasi (R²) sebesar 0,657 mengindikasikan bahwa kedua variabel secara simultan mampu menjelaskan 65,7% variabilitas kesiapan kerja. Temuan ini menekankan pentingnya strategi penguatan self-efficacy dalam kurikulum pendidikan tinggi serta perlunya optimalisasi program magang agar mendorong refleksi dan penerapan pembelajaran secara efektif dalam konteks dunia kerja.   This study aims to analyze the influence of learning transfer and self-efficacy on the job readiness of undergraduate Management students at the Faculty of Economics and Business, Cenderawasih University, who have completed an internship program. Employing a quantitative approach, the study involved 131 respondents. The instruments were tested for validity and reliability, and data were analyzed using normality, multicollinearity, heteroscedasticity tests, multiple linear regression, and ANOVA. The results reveal that self-efficacy significantly affects students' job readiness, whereas learning transfer does not show a significant effect. The coefficient of determination (R²) value of 0.657 indicates that both variables collectively explain 65.7% of the variance in job readiness. These findings highlight the importance of strengthening self-efficacy through curriculum design and underscore the need to enhance internship programs that promote reflective learning and effective application of knowledge in the workplace  
Analisis Break Even Point Dengan Sensitivitas Harga Pada Usaha Budidaya Tanaman Nilam Ahlia, Isma Shalihi; Sitompul, Fanny KT; Wijaya , Iriando
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.1030

Abstract

Penelitian ini bertujuan untuk menganalisis kelayakan finansial usaha budidaya tanaman nilam di Desa Kombungo, Kabupaten Muna, dengan pendekatan analisis Break Even Point (BEP) dan sensitivitas harga. Metode yang digunakan adalah pendekatan kuantitatif deskriptif melalui observasi lapangan, wawancara terstruktur, dan dokumentasi untuk memperoleh data primer dan sekunder. Analisis dilakukan menggunakan pendekatan Cost-Volume-Profit (CVP) dengan simulasi skenario harga jual. Hasil penelitian menunjukkan bahwa usaha tetap menghasilkan keuntungan pada seluruh skenario harga, dengan biaya produksi sebesar Rp 331.267/kg dan volume BEP jauh di bawah kapasitas produksi aktual (150 kg). Bahkan pada skenario penurunan harga 20%, titik impas tetap berada di bawah 1 kg, menunjukkan ketahanan usaha terhadap volatilitas pasar. Rasio R/C tercatat selalu di atas 1, dengan nilai tertinggi mencapai 6,34. Secara praktis, penelitian ini menyajikan model analisis sederhana dan aplikatif yang dapat digunakan oleh petani skala kecil dalam mengelola risiko usaha dan menentukan strategi harga. Dari sisi teoritis, penelitian ini mengisi kesenjangan literatur dengan mengintegrasikan analisis BEP dan sensitivitas harga berbasis data empiris petani individu di kawasan Indonesia Timur.   This study aims to analyze the financial feasibility of patchouli cultivation in Kombungo Village, Muna Regency, using Break Even Point (BEP) and price sensitivity analysis. The research employs a descriptive quantitative approach with direct field observations, structured interviews, and document analysis to collect both primary and secondary data. Financial data were processed using the Cost-Volume-Profit (CVP) approach to calculate BEP and simulate multiple pricing scenarios. The results show that the enterprise remains profitable across all tested price ranges, with production costs reaching IDR 331,267/kg and minimum BEP volumes far below actual production capacity (150 kg). Even with a 20% price drop, the BEP remains below 1 kg, indicating high resilience to market volatility. The Revenue/Cost ratio consistently exceeds 1, with a maximum of 6.34 at peak prices. This study contributes practically by offering a simple and adaptable model for micro-scale farmers to forecast market risks and determine pricing strategies. Theoretically, it bridges the research gap by integrating BEP and price sensitivity using empirical data from individual farmers in Eastern Indonesia, a context largely underexplored in previous studies.
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 Sitompul, Fanny Kristin Tantyah; Leon Mitra Harju2; Isma Shalihi Ahlia; Wijaya, Iriando; 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; Wijaya, Iriando
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 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