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The Influence Of Financial Literacy On Financial Management Behavior In Indonesian Parahikma Institute Students Nurul Haeriyah Ridwan; Ryo Sinung Primadanar
International Conference On Digital Advanced Tourism Management And Technology Vol. 1 No. 1 (2023): International Conference on Digital Advanced Tourism, Management, and Technolog
Publisher : Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/ictmt.v1i1.88

Abstract

Financial literacy has become an important skill required in everyday life. Due to the instability of the global economy, consumers face financial decisions that have become more complex due to increasing product variety and financial challenges. Therefore, the importance of financial management skills in personal life has increased and more and more research has explored this issue in the last decade. This positive attitude will help them to practice good personal financial management as working adults. The research method used by researchers is a quantitative research method using a quantitative approach. The form of research used is correlation research in the form of causal relationship regression. The research was carried out at the Indonesian Parahikma Institute of Higher Education, specifically the Islamic Education Management Study Program, with a population of 60 students from the Islamic Education management study program. Of the 60 selected students, 60 were used as research samples. The researcher's sampling technique used saturated samples. The data collection tools used were test questions and questionnaire sheets by distributing questionnaires online via Google Form, and then tabulating using the SPSS computer program. Meanwhile, the data analysis technique used in this research starts from testing the instrument by testing the Validity and Reliability of the Questionnaire using the Product Moment and Spearman Brown tests. In accordance with the results of the research that has been conducted, it was found that financial literacy has a significant effect on financial management behavior among Parahikma Indonesia Institute students.
Perjalanan Kewirausahaan Mahasiswa dengan Usaha Sampingan: Sebuah Kajian Fenomenologis tentang Motivasi dan Praktik Pemasaran Nurul Haeriyah Ridwan; Damas Gianlugi Alrizqi
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.3904

Abstract

Kewirausahaan di kalangan mahasiswa semakin mendapat perhatian akademik, terutama ketika usaha sampingan muncul sebagai strategi ketahanan dan pengembangan diri. Penelitian ini menelaah pengalaman hidup mahasiswa yang memiliki usaha sampingan, dengan fokus pada motivasi mereka menjalankan kewirausahaan serta praktik pemasaran yang menopangnya. Pendekatan fenomenologis kualitatif digunakan untuk menangkap perspektif partisipan melalui wawancara mendalam secara purposive dengan mahasiswa yang aktif berwirausaha. Analisis data dilakukan dengan teknik tematik guna mengidentifikasi pola motivasi, tantangan, dan strategi pemasaran. Temuan menunjukkan tiga pendorong utama: kemandirian finansial, aktualisasi diri, dan pengembangan keterampilan. Mahasiswa banyak mengandalkan alat pemasaran digital, jaringan sebaya, dan media sosial untuk mengatasi keterbatasan sumber daya serta menjangkau audiens. Meski menghadapi hambatan seperti manajemen waktu, keterbatasan modal, dan tekanan akademik, partisipan menunjukkan resiliensi dan strategi adaptif yang memperkaya perjalanan kewirausahaan. Penelitian ini berkontribusi dengan menyoroti integrasi kehidupan akademik dan bisnis, serta memberikan implikasi bagi pendidikan dan dukungan kewirausahaan di perguruan tinggi.
MSME Development Strategies in Supporting Community Economic Empowerment Muh Irshan Sachrir; Dini Kamila Salma; Damas Gianlugi Alrizqi; Nurul Haeriyah Ridwan
Jurnal Pallangga Praja (JPP) Vol. 8 No. 1 (2026): April
Publisher : Institut Pemerintahan Dalam Negeri Kampus Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61076/jpp.v8i1.6341

Abstract

This study aims to analyze the development strategies of Micro, Small, and Medium Enterprises in supporting community economic empowerment. MSMEs play a strategic role in the economy, particularly in employment generation and income improvement. However, their development still faces various challenges, including limited access to capital, low managerial capacity, and limited utilization of digital technology. This study employs a qualitative approach with a descriptive method, using data collection techniques such as interviews, observations, and documentation. The results show that MSME development strategies, including product quality improvement, business diversification, digital technology utilization, and strengthening of business management, are able to enhance business capacity and competitiveness. These improvements have a positive impact on increasing income, creating job opportunities, and strengthening the local economy. Nevertheless, the implementation of these strategies still encounters several constraints that require external support from the government, financial institutions, and business support organizations. Therefore, a comprehensive and integrated MSME development strategy is essential to promote sustainable community economic empowerment.
Pelatihan Penelitian Tindakan Kelas Bagi Guru SD Negeri 323 Tokombeng di Kabupaten Bulukumba Dwiyanti Dwiyanti; Hasisa Haruna; Nurul Haeriyah Ridwan; Mildayanti Mildayanti; Muh. Irshan Sachrir
Abdimas Langkanae Vol. 5 No. 2 (2025): September-Desember 2025
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53769/jpm.v5i2.512

Abstract

Pelatihan Penelitian Tindakan Kelas yang dilaksanakan di SD Negeri 323 Tokombeng Kabupaten Bulukumbadiselenggarakan bagi guru sebagai upaya meningkatkan pengetahuan, pemahaman dan keberanian untuk melakukan penelitian Tindakan kelas , mulai dari membuat proposal penelitian, melaksanakan penelitian dan membuat laporan penelitian secara benar sesuai dengan kaidah-kaidah penelitian Tindakan kelas yang lazim digunakan di dunia Pendidikan. Penelitian Tindakan Kelas (PTK) bagi guru pada dasarnya berfokus pada peningkatan kualitas pembelajaran dan profesionalisme guru dalam hal ini untuk meningkatkan hasil belajar siswa dan memberikan kontribusi pada pengembangan kurikulum di sekolah. Metode yang digunakan untuk memberikan pelatihan ini, meliputi: ceramah, tanya-jawab, diskusi, pemberian tugas, bimbingan perorangan, dan latihan mandiri dalam bentuk proyek pelaksanaan kegiatan yang diikuti 20 peserta. Hasil dari pelatihan ini memperlihatkan adanya semangat para guru untuk memahami Penelitian Tindakan Kelas (PTK).
Pemberdayaan Siswa Sekolah Dasar melalui Kegiatan Market Day untuk Membangun Kreativitas dan Kemandirian Berwirausaha Rahmat Hidayat; Yulnita Muchtar; Damas Gianlugi Alrizqi; Andi Reski Nurhikmah; Nurul Haeriyah Ridwan
Abdimas Langkanae Vol. 5 No. 2 (2025): September-Desember 2025
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53769/jpm.v5i2.546

Abstract

Tujuan program pengabdian adalah menanamkan karakter kewirausahaan dan meningkatkan literasi keuangan siswa SD IT Unggulan Mawaddah melalui kegiatan Market Day berbasis pendekatan participatory action learning system (PALS). Kegiatan Market Day menjadi media pembelajaran berbasis proyek (project-based learning) yang memberikan pengalaman langsung kepada siswa dalam proses perencanaan, produksi, pemasaran, hingga evaluasi produk. Kegiatan pengabdian ini dilaksanakan di SD IT Unggulan Mawaddah dengan tujuan menanamkan nilai-nilai karakter kewirausahaan serta meningkatkan literasi keuangan dasar melalui pendekatan Participatory Action Learning System (PALS). Metode pelaksanaan meliputi tahap persiapan, produksi, pelaksanaan transaksi, dan refleksi pascakegiatan yang melibatkan guru, siswa, dan orang tua secara kolaboratif. Hasil pengabdian menunjukkan adanya peningkatan pada aspek kreativitas produk, kepercayaan diri, kemampuan komunikasi, kerja sama tim, serta pemahaman sederhana mengenai perhitungan biaya dan keuntungan. Selain itu, dapat memperkuat kemitraan sekolah–orang tua dan menghasilkan modul pembelajaran Market Day berbasis pembelajaran kontekstual, serta dampak jangka panjang berupa model ekosistem kewirausahaan berkelanjutan di sekolah dasar.
Entrepreneurship Education and Environmental Awareness as Catalysts for Green Entrepreneurial Intention: A Self-Efficacy Perspective Damas Gianlugi Alrizqi; Mildayanti Mildayanti; Agung Muliaman Anas; Nurul Haeriyah Ridwan; Moch Faizal Rachmadi
Jurnal Penelitian Pendidikan Vol. 43 No. 1 (2026): April 2026
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jpp.v43i1.42026

Abstract

This study analyzes the influence of entrepreneurship education and environmental awareness on students' green entrepreneurial intention, with green entrepreneurial self-efficacy as the mediator. Data were collected through a survey of 150 university students in Makassar using a 1–5 Likert scale and analyzed using SEM-PLS (WarpPLS). The results show that entrepreneurship education and environmental awareness positively affect green entrepreneurial self-efficacy, and that self-efficacy positively affects green entrepreneurial intention. In addition, self-efficacy has been shown to mediate the effects of entrepreneurship education and environmental awareness on green entrepreneurial intention. The findings emphasize the importance of strengthening students' self-confidence through entrepreneurship learning and integrating sustainability issues into campus programs. 
Knowledge Assets, I-Market Platform Utilization, and Consumer Satisfaction of Micro and Small Enterprises in Indonesia Nurul Haeriyah Ridwan; Ni Luh Sinta Yani; Moch Faizal Rachmadi
Jurnal Penelitian Pendidikan Vol. 43 No. 1 (2026): April 2026
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jpp.v43i1.47491

Abstract

This study analyzes the influence of knowledge assets and I-Market platform utilization on consumer satisfaction of Micro and Small Enterprises (MSEs) in Indonesia. Data were collected through a survey of 140 MSE owners in Indonesia using a 1–5 Likert scale and analyzed using SEM- PLS (WarpPLS).  The results show that knowledge assets and I-Market platform utilization have a positive and statistically significant effect on consumer satisfaction. The model explains 64% of the variance in consumer satisfaction, with I-Market utilization demonstrating a more dominant influence compared to knowledge assets. These findings emphasize the importance of a holistic approach that aligns human resource competency development with the acceleration of digital inclusion to build sustainable consumer loyalty within the digital economic ecosystem.
The Meaning of Self-Reward: A Phenomenological Exploration of Consumer Experiences in Everyday Consumption Nurul Haeriyah Ridwan; Asriyani Amrullah; Andi Reski Nurhikmah
MANDAR: Management Development and Applied Research Journal Vol. 8 No. 2 (2026): June Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i2.6883

Abstract

The contemporary consumption landscape has shifted from merely fulfilling functional needs to symbolic and emotional experiences, within which the self-reward phenomenon has become a prominent practice. However, existing literature remains largely dominated by quantitative approaches that focus on behavioral antecedents, thereby providing a limited exploration of how consumers assign meaning to their lived experiences regarding self-reward. This research aims to explore the meaning of self-reward through the lens of consumer lived experiences in everyday consumption. This research involved eight informants in Makassar City, Indonesia, selected through purposive sampling. Data were collected through semi-structured in-depth interviews, non-participant observations, and relevant documentation. Data analysis reveals that self-reward is not merely a materialistic purchasing act but a multidimensional experiential practice. The findings identify key emerging dimensions, namely: Self-Appreciation, Emotional Restoration, Personal Achievement, Identity Affirmation, and Psychological Well-Being. Consumers construct the meaning of self-reward as an intrapersonal symbolic dialogue and a coping mechanism to restore emotional balance and negotiate identity amid the demands of modern life. This study contributes to consumer behavior literature by revealing that self-reward is constructed as an intrapersonal symbolic dialogue grounded in perceived deservingness and conscious reflection, through which consumers transform everyday consumption into a meaningful process of emotional restoration, identity affirmation, and psychological well-being. These findings provide practical implications for marketers to design ethical and meaningful consumption experiences that emphasize personal achievement rather than mere product acquisition