Article Per Year (5 Year)
p-Index From 2021 - 2026
0.751
P-Index
This Author published in this journals
All Journal Jurnal Pengabdian Masyarakat Asia Strategic: Journal of Management Sciences Jurnal Akuntansi Keuangan dan Bisnis Journal of Educational Management Research
Nimas Aulia Pambajeng Miftahunnajah
Universitas Negeri Semarang
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
PENGARUH LITERASI KEUANGAN DAN INKLUSI KEUANGAN TERHADAP KEMAMPUAN MANAJEMEN KEUANGAN UMKM DENGAN FINANCIAL TECHNOLOGY SEBAGAI VARIABEL MEDIASI Nimas Aulia Pambajeng Miftahunnajah
Strategic: Journal of Management Sciences Vol. 5 No. 2 (2025): Strategic Journal of Management Science
Publisher : Program Studi Magister Ilmu Manajemen Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/strategic.v5i2.338

Abstract

Objective This study aims to analyze the influence of financial literacy and financial inclusion on the financial management capabilities of MSMEs in Jepara Regency, with financial technology (fintech) as a mediating variable. This research is essential, considering that weak financial management remains a major barrier to the sustainability of MSMEs, despite increasing access to financial services through digital technology. Research Method. A quantitative approach was employed using a survey method involving 100 MSME actors from various business sectors in Jepara Regency. The sample was selected through purposive sampling. Data processing and analysis were carried out using the Structural Equation Modeling (SEM) technique with the Partial Least Squares (PLS) method, assisted by SmartPLS version 4.0. Results. The findings show that financial literacy has a positive and significant effect on financial management capabilities, while financial inclusion shows a positive but weak effect. Fintech serves as a moderating variable that strengthens the effect of financial literacy on financial management but weakens the effect of financial inclusion on financial management. Conclusion. This study concludes that the optimal use of fintech requires adequate financial literacy. Relying solely on expanding financial access without improving financial understanding may lead to ineffective financial management. Therefore, MSME empowerment strategies must emphasize the integration of financial literacy, financial inclusion, and the wise use of financial technology.
Analysis of Determinants of the Human Development Index in Central Java: A Focus on Health, Education, Wages, and Unemployment jeane diana; Anggita Manumara; Iva Sofi Gunawati; Nimas Aulia Pambajeng Miftahunnajah; Shavira Aulia Zahra
Jurnal Akuntansi Keuangan dan Bisnis Vol 19 No 1 (2026): Jurnal Akuntansi Keuangan dan Bisnis
Publisher : Politeknik Caltex Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35143/jakb.v19i1.6982

Abstract

Main Purpose - This study aims to identify the key determinants of the Human Development Index (HDI) in Central Java, with a focus on the roles of health, education, wages, and unemployment. Method - This study employs a quantitative approach using panel data from 35 districts/cities over the period 2017–2024. The analysis is conducted using panel data regression with the Fixed Effect Model (FEM), selected through Chow and Hausman tests to ensure robust estimation. Main Findings - The results reveal that education and wages serve as the primary drivers of HDI, with positive and significant effects. In contrast, health (proxied by outpatient health complaints) and unemployment exhibit negative and significant impacts, indicating structural constraints in healthcare quality and labor market performance. These findings suggest that improvements in human development are not solely driven by human capital accumulation but also depend on the effectiveness of socio-economic systems. Theory and Practical Implications - The findings reinforce human capital theory by emphasizing the need for integrated development across education, health, and labor sectors. Policy interventions should prioritize improving healthcare quality, aligning education with labor market demands, and promoting inclusive employment opportunities. Novelty - This study offers an empirical panel data approach at the district/city level, providing a more comprehensive understanding of the multidimensional relationship between socio-economic factors and HDI.  
From Entrepreneurial Intention to Venture Creation: Leveraging Inclusive Sociopreneurship to Strengthen Student Entrepreneurship in Semarang Wijang Sakitri; Jarot Tri Bowo Santoso; Nimas Aulia Pambajeng Miftahunnajah
Jurnal Pengabdian Masyarakat Vol. 7 No. 1 (2026): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v7i1.2941

Abstract

Purpose: This study seeks to advance inclusive and sustainable entrepreneurship through a sociopreneurship-based approach among prospective student entrepreneurs by strengthening capabilities in marketing, branding, business strategy, and financial management. Method: A participatory action framework was applied, involving observation, training, focus group discussions, internships, apprenticeships, and mentoring with selected partners. Data were collected through interviews, direct observation, and daily reports, and analysed using qualitative descriptive methods with triangulation. Practical Applications: The results highlight the relevance of an inclusive, sociopreneurship-oriented entrepreneurship model that supports higher education institutions in fostering competence development and translating entrepreneurial intention into meaningful action. Conclusion: The program enhanced students’ competencies, networks, and entrepreneurial commitment, while facilitating the practical realisation of business initiatives, thereby contributing to the emergence of new entrepreneurs.
Financial Stress, Time Management, and Work Intensity: Predicting Academic Performance Among Part-Time Working Students Aulia Sugma Majiida; Nimas Aulia Pambajeng Miftahunnajah
Journal of Educational Management Research Vol. 5 No. 4 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i4.2464

Abstract

The increasing number of university students engaged in part-time employment has created challenges in balancing academic responsibilities with financial and occupational demands. This study aimed to examine the effects of financial stress, time management, and part-time work intensity on students' academic performance. A quantitative approach with a causal research design was employed. Data were collected through an online questionnaire using a five-point Likert scale from 100 part-time working undergraduate students selected through purposive sampling. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings revealed that financial stress has a significant negative effect on academic performance, whereas time management and part-time work intensity have significant positive effects, with time management emerging as the strongest predictor. Collectively, the three independent variables explained 37.8% of the variance in academic performance, indicating that both financial and behavioral factors play important roles in shaping students' academic achievement. These findings contribute to the integration of financial, behavioral, and occupational perspectives in explaining academic performance among part-time working students. Practically, the study highlights the importance of developing institutional strategies that strengthen students' financial resilience, time management skills, and self-management competencies to support sustainable academic success while preparing them for future professional responsibilities.
Co-Authors Anggita Manumara Aulia Sugma Majiida Iva Sofi Gunawati Jarot Tri Bowo Santoso jeane diana Shavira Aulia Zahra Wijang Sakitri