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FINANCIAL KNOWLEDGE AND FINANCIAL BEHAVIOR: THE ROLE OF SELF-EFFICACY AND FINANCIAL ATTITUDES Taufik Hidayat; Muhammad Ali Fikri; Desta Rizky Kusuma
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7, No 4 (2023): IJEBAR, Vol. 7 Issue 4, December 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i4.10739

Abstract

Young people are vulnerable people with various problems, especially financial problems. To overcome financial problems, individuals must understand well about financial knowledge, self-efficacy, financial attitudes and also financial behavior. Researchers wanted to analyze the role of self-efficacy and financial attitudes on the effect of financial knowledge on financial behavior. The respondents of this study were generation Z in Yogyakarta with a sample of 80 respondents. Data from respondents were processed with the Structural Equation Model (SEM) with the Smart PLS 4.0 statistical tool. The results of this study show that financial knowledge has an effect on financial behavior, self-efficacy mediates the effect of financial knowledge on financial behavior, financial attitudes mediate the effect of financial knowledge on financial behavior.
REPURCHASE INTENTION: PERAN BRAND IMAGE, BRAND TRUST, PERCEIVED VALUE, DAN SATISFACTION Purwoko Purwoko; Muhammad Ali Fikri
Jurnal Ekonomi dan Bisnis Vol 27, No 1 (2024): JURNAL EKONOMI DAN BISNIS MARET 2024
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/jebi.v27i1.4021

Abstract

The cosmetic industry in Indonesia continues to develop with the presence of various brands of products and types. Given the wide selection of cosmetic products, consumers often consider a variety of purchasing factors, such as brand image, brand trust, perceived value, and satisfaction. Repurchase intent relates to consumer behavior due to satisfaction and pleasure with previous experiences. This study aims to identify brand image, brand trust, perceived value, and satisfaction on repurchase intention. The research sample was taken from 85 respondents of halal cosmetic products in the Special Region of Yogyakarta. Data analysis of this study using Partial Least Square software. The findings in this study prove that brand image has no effect on repurchase intention, brand trust has an effect on repurchase intention, perceived value has an effect on repurchase intention, and satisfaction has no effect on repurchase intention.
MANAJEMEN RANTAI PASOKAN HIJAU DAN KINERJA BISNIS: PERAN KINERJA OPERASIONAL PADA SEKTOR INDUSTRI PRODUK HALAL Muhammad Ali Fikri; Poppy Laksita Rini
Jurnal Ilmiah Ekonomi Islam Vol 9, No 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.6627

Abstract

The implementation of green supply chain management can improve operational performance as well as business performance. This study aims to analyze the effect of green supply chain management on business performance through operational performance. A survey is conducted on micro, small, and medium enterprises in the halal product industry sector. The results of this study indicate several findings which are: (1) green supply chain management has a positive effect on business performance, (2) green supply chain management has a positive effect on operational performance, (3) operational performance has a positive effect on business performance, and (4) operational performance mediates the positive effect of green supply chain management on business performance.
Sikap Keuangan Dan Pengetahuan Keuangan Terhadap Kemampuan Keuangan: Peran Perilaku Keuangan Pada Sektor Usaha Produk Halal Desta Rizky Kusuma; Muhammad Ali Fikri; Ulinnuha Yudiansa Putra
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9044

Abstract

Financial literacy is one of the important aspects for organizations to be able to manage their financial resources optimally. This study aims to determine the effect of financial attitude, financial knowledge, and financial inclusion on financial ability with financial behavior as a mediating variable. This study used a sample of 180 from Micro, Small and Medium Enterprises (MSMEs) in the halal product business sector. The data processing technique used in this study is the structural model equation technique using the Smart PLS 3.0 software. The results showed that financial attitude has a positive effect on financial behavior, financial knowledge has a positive effect on financial behavior, financial behavior does not have a positive effect on financial capability, financial attitude does not have a positive effect on financial capability, financial knowledge does not have a positive effect on financial capability, financial behavior does not mediate the positive effect of financial attitude on financial capability, financial behavior does not mediate on the positive effect of financial knowledge on financial capability.
Financial Literacy dan Mental Budgeting Terhadap Financial Well-Being: Peran Mediasi Investment Decision Making Dhiny Rahmawati Mustapa; Muhammad Ali Fikri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i1.9749

Abstract

The development of digital technology has influenced the financial behavior patterns of society. Although financial information is easily accessible, many individuals still face challenges in making wise investment decisions and achieving stable financial well-being. This study aims to analyze the influence of financial literacy and mental budgeting on financial well-being with investment decision making as a mediating variable. The sample of this research is 130 Generation Z investors in Yogyakarta. The sampling in this study used purposive sampling techniques with several criteria. Data were collected using questionnaires and analyzed through the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with Smart PLS 4.0 software. The instrument testing included validity and reliability tests. Hypothesis testing results show that financial literacy and mental budgeting have a positive effect on financial well-being, both directly and indirectly through investment decision making. Moreover, investment decision making is proven to be a significant mediator in the relationship between financial literacy and mental budgeting toward financial well-being. These findings support the theory of planned behavior framework, which states that attitudes, perceived behavioral control, and individual intentions play an important role in shaping financial behavior oriented toward well-being.