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PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP PERILAKU KONSUMTIF PENGGUNA SHOPEE PAYLATER PADA GENERASI Z (STUDI KASUS PADA MAHASISWA FEBI IAIN SYEKH NURJATI CIREBON)) Khaerunisa, Risma; Fanther, Refaldo; Sukardi, Didi
Jurnal Akuntansi dan Bisnis Vol 10, No 01 (2024): Edisi Juni 2024
Publisher : Universitas YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47686/jab.v10i01.678

Abstract

The aim of this research is to determine: 1) the influence of financial literacy on the consumptive behavior of Shopee paylater users. 2) the influence of lifestyle on the consumptive behavior of Shopee paylater users. 3) the influence of financial literacy and lifestyle on the consumer behavior of Shopee paylater users. This research uses quantitative research methods with a survey approach and uses primary data sources through questionnaires. The sampling technique used purposive sampling with a total of 97 respondents obtained using the Slovin formula. Data were collected using a questionnaire via a Google form which was distributed to respondents online. Data were analyzed using the SPSS 23.0 program. which analyzes research instrument tests, classical assumption tests, multiple linear regression analysis tests, and hypothesis tests. The findings from this research show that: 1) there is a negative and significant influence between financial literacy and the consumptive behavior of Shopee paylater users. 2) there is a positive and significant influence of lifestyle on the consumer behavior of Shopee paylater users. 3) there is a positive and significant influence of financial literacy and lifestyle together or simultaneously on the consumptive behavior of Shopee paylater users.
Analisis Faktor Penurunan Harga Saham Bukalapak Setelah IPO Fanther, Refaldo; Taqiyuddin, Haris
EQUITY Vol 25 No 1 (2022): EQUITY
Publisher : Department of Accounting, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34209/equ.v25i1.4244

Abstract

Startup merupakan bisnis rintisan yang sedang mengalami perkembangan menuju ke arah yang lebih maju. Dengan perkembangan digitalisasi yang semakin pesat, pertumbuhan jumlah Startup di Indonesia pun semakin meningkat. Berdasarkan valuasi perusahaannya, Startup terbagi menjadi tiga, yakni unicorn, decacorn, dan hectocorn. Dengan semakin besarnya valuasi perusahaan, Startup berpeluang untuk melakukan pencatatan saham perdana di Bursa Efek Indonesia. Manfaat yang diperoleh dari pencatatan saham perdana tersebut adalah mendapatkan dana segar untuk peningkatan bisnis dan juga diversifikasi kepemilikan saham oleh masyarakat. Setelah melakukan pencatatan saham perdana, saham perusahaan tersebut dapat diperjualbelikan yang akan membentuk fluktuasi harga saham. Penelitian ini menggunakan metode kualitatif untuk melihat perkembangan pergerakan harga saham PT. Bukalapak.com (BUKA). Hasil penelitian menemukan bahwa faktor yang mempengaruhi penurunan harga saham BUKA setelah melakukan Initial Public Offering (IPO) adalah tidak adanya pemegang saham pengendali, beban yang dimiliki perusahaan, Penjamin Pelaksana Emisi Efek yang ditunjuk, dan terjadinya oversubscribe. 
Penerapan Manajemen Keuangan Berbasis Digital pada UMKM (Studi Kasus Angkringan Jo Paul) Tiana, Helma; Fanther, Refaldo
Journal of Sharia Accounting and Tax Vol. 1 No. 2 (2023): Journal of Sharia Accounting and Tax
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/jsat.v1i2.15

Abstract

Tantangan yang dihadapi dalam UMKM adalah kurangnya perhatian dari pemilik usaha terhadap pentingnya melaksanakan pengelolaan laporan keuangan secara efektif. Di Angkringan Jo Paul, sistem kemitraan diterapkan, yang berarti terdapat kerjasama dalam pemasaran, penyediaan lokasi usaha, atau pengadaan pasokan dari usaha mikro, kecil, dan/atau menengah oleh perusahaan besar secara terbuka. Penelitian ini bertujuan untuk memahami bagaimana pengelolaan keuangan di Angkringan Jo Paul dan merekomendasi kepada UMKM yang belum melaksanakan pencatatan laporan keuangan dengan baik dan benar melalui penggunaan pencatatan digital. Penelitian ini dilakukan di Taman Edukasi Bazme Aleem Jl. Raya Kalikoa, Kalikoa, Kedawung. Penelitian ini merupakan jenis penelitian kualitatif yang menggunakan metode pengumpulan data melalui wawancara, observasi, dan dokumentasi. Temuan penelitian mengindikasikan bahwa Angkringan Jo Paul harus melakukan pengelolaan keuangan dengan baik untuk mengetahui jumlah uang yang masuk dan keluar setiap harinya serta mengetahui untung dan rugi dari usaha tersebut, dan solusinya yaitu dengan rekomendasi aplikasi yang dapat digunakan untuk membuat laporan keuangan secara digital yang hanya melalui genggaman ponsel saja yang salah satunya yaitu menggunakan bantuan software yakni Microsoft Excel (MSExcel).
The Influence of Service Quality and Product Price on Customer Satisfaction at AB Chicken, Cirebon Regency Natulisiya, Resa Uni; Fatmasari, Dewi; Fanther, Refaldo
Cirebon International Journal of Economics and Business Vol. 3 No. 1 (2025): April 2025
Publisher : Faculty of Islamic Economics and Business IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cijeb.v3i1.180

Abstract

The world economy, including the food industry, is experiencing very rapid development in this era of globalization. Understanding customer desires at low prices is key to being able to outperform competitors. This study was conducted with the aim of determining customer satisfaction at the AB Chicken fast food restaurant in Cirebon Regency which is influenced by the variables of service quality and product price. Purposive sampling , a type of associative quantitative research, is the sampling strategy chosen for this study. The data used in the study are primary data from a sample of one hundred respondents who are customers of AB Chicken fast food in Cirebon Regency. Multiple linear regression analysis is method Which used. Findings study disclose that quality service (X1) And price product (X2) own influence in a way positive And significant to satisfaction customer (Y). Besides That, findings more further demonstrate that in AB Chicken Regency Cirebon, satisfaction consumer can influenced by quality services and product prices simultaneously
Creativity and Innovation are Essential Skills for Increasing Alternative Income for Informal Sector Workers Bakhri, Syaeful; Fanther, Refaldo; Kumala, Titi
OECONOMICUS Journal of Economics Vol. 9 No. 1 (2024): (December) edisi 17
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2024.9.1.56-63

Abstract

Skills influence a person's ability to find employment, and the ability to possess these skills significantly determines whether an informal sector worker can increase their income. The relevance of skill ownership to income growth is powerful, as skills and expertise greatly enhance a person's opportunities to find employment and start a business. This study examines which specific skills a person must possess to increase their income, particularly for informal sector workers. The research uses a qualitative approach with the Analytical Hierarchy Process (AHP) technique. It gathers information from 15 key persons, including prospective workers, informal sector workers, local government representatives, academics, and business community members. The results of this study identify several key skills, such as public speaking, adaptability, innovation, creativity, and problem-solving confidence. Based on the Hierarchical Process Analysis, two factors are the most dominant: Creativity, with a score of 23,94, and Adaptability, with a score of 23,73. According to this analysis, an informal sector worker can increase their income if they have creativity and adaptability.
Analisis Faktor Penurunan Harga Saham Bukalapak Setelah IPO Fanther, Refaldo; Taqiyuddin, Haris
EQUITY Vol 25 No 1 (2022): EQUITY
Publisher : Department of Accounting, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34209/equ.v25i1.4244

Abstract

Startup merupakan bisnis rintisan yang sedang mengalami perkembangan menuju ke arah yang lebih maju. Dengan perkembangan digitalisasi yang semakin pesat, pertumbuhan jumlah Startup di Indonesia pun semakin meningkat. Berdasarkan valuasi perusahaannya, Startup terbagi menjadi tiga, yakni unicorn, decacorn, dan hectocorn. Dengan semakin besarnya valuasi perusahaan, Startup berpeluang untuk melakukan pencatatan saham perdana di Bursa Efek Indonesia. Manfaat yang diperoleh dari pencatatan saham perdana tersebut adalah mendapatkan dana segar untuk peningkatan bisnis dan juga diversifikasi kepemilikan saham oleh masyarakat. Setelah melakukan pencatatan saham perdana, saham perusahaan tersebut dapat diperjualbelikan yang akan membentuk fluktuasi harga saham. Penelitian ini menggunakan metode kualitatif untuk melihat perkembangan pergerakan harga saham PT. Bukalapak.com (BUKA). Hasil penelitian menemukan bahwa faktor yang mempengaruhi penurunan harga saham BUKA setelah melakukan Initial Public Offering (IPO) adalah tidak adanya pemegang saham pengendali, beban yang dimiliki perusahaan, Penjamin Pelaksana Emisi Efek yang ditunjuk, dan terjadinya oversubscribe. 
Human capital, religiosity, and participatory governance as drivers of welfare through rural–urban linkages in Cirebon Regency Bakhri, Syaeful; Fanther, Refaldo; Ma'ruf, Amar; Zahra, Dinar Maula
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art25

Abstract

IntroductionCommunity welfare in border regions is shaped by complex interactions among demographic conditions, religiosity, governance, and rural–urban economic linkages. Despite growing attention to rural–urban development, previous studies have largely examined these factors independently, providing limited understanding of how they collectively influence welfare in decentralized regions. Integrating perspectives from rural–urban development and Islamic economics offers a more comprehensive framework for explaining sustainable and inclusive community welfare.ObjectivesThis study aims to examine the effects of demographic factors and religiosity on community welfare in the border areas of Cirebon Regency, Indonesia. It also seeks to develop an integrated rural–urban development model by identifying strategic priorities for sustainable welfare improvement from the perspectives of human capital, participatory governance, and Islamic economics.MethodThis study employed a convergent parallel mixed-methods design. Quantitative data were collected from 156 respondents across four border subdistricts using structured questionnaires and analyzed through multiple linear regression to examine the effects of demographic factors and religiosity on community welfare. Qualitative data were obtained through observations, interviews, documentation, and focus group discussions to explore rural–urban interactions and institutional dynamics. The Analytic Hierarchy Process was subsequently applied to determine the priority of sustainable livelihood assets supporting community welfare.ResultsThe findings demonstrate that demographic factors and religiosity both exert significant positive effects on community welfare, with religiosity emerging as the stronger predictor. Human capital, particularly education and health, represents the highest strategic priority for sustainable development, followed by financial and physical capital. The qualitative findings further indicate that participatory governance, institutional collaboration, and balanced rural–urban economic linkages strengthen social cohesion, improve access to economic opportunities, and reduce regional disparities. From an Islamic economics perspective, these outcomes are consistent with the principles of maqāṣid al-sharīʿah, which emphasize human development, social justice, and collective welfare through ethical governance and inclusive economic participation.ImplicationsThe study highlights the importance of integrating human capital development, participatory governance, Islamic social finance, and rural–urban connectivity into regional development policies. Such an integrated approach can strengthen community resilience, promote equitable welfare distribution, and support sustainable territorial development in border regions.Originality/NoveltyThis study proposes an integrated framework that combines demographic factors, religiosity, rural–urban economic linkages, governance, and Islamic economics to explain community welfare. By integrating quantitative and qualitative evidence within a single analytical model, it provides a novel contribution to the literature on sustainable regional development and offers practical policy guidance for border areas in Indonesia and other developing economies.