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All Journal Jurnal ABM Mengabdi International Journal of Science and Environment
Rahmania, Benita
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Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Mathematics Physics Social Sciences

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The Influence of Financial Literacy, E-Money, Consumptive Lifestyle and Financial Distress on Gen Z's Personal Financial Management Behavior with Mental Accounting as a Moderation Variable Nursasi, Enggar; Istiqomah, Risma Handayani; Rahmania, Benita
International Journal of Science and Environment (IJSE) Vol. 5 No. 4 (2025): November 2025
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijse.v5i4.236

Abstract

This study investigates the influence of financial literacy, e-money usage, consumptive lifestyle, and financial distress on financial management behavior, with mental accounting as a moderating variable. The research was motivated by the growing challenges faced by individuals in managing personal finances amidst digitalization and increased consumption patterns. Using a quantitative approach, data were collected through surveys and analyzed with Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results reveal that financial literacy, e-money, and consumptive lifestyle have a significant positive effect on financial management behavior, while financial distress shows no significant influence. Furthermore, mental accounting strengthens the effect of financial literacy on financial management, indicating its crucial role in shaping rational decision-making. These findings highlight the importance of improving financial knowledge and self-regulation in the digital economy era. The study provides both theoretical contributions and practical implications for enhancing financial behavior
Peningkatan Usaha UMKM Melalui Penambahan Wawasan Tentang Usaha Kreatif di Jepang Nursasi, Enggar; Bunyamin, Bunyamin; Munfaqiroh, Siti; Mauludin, Hanif; Wiyarni, Wiyarni; Rahmania, Benita
Jurnal ABM Mengabdi Vol 12 No 2 (2025): Desember
Publisher : STIE Malangkucecwara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31966/jam.v12i2.1758

Abstract

The purpose of this community service activity is to help micro, small, and medium enterprises (MSMEs) grow and improve, as well as to provide motivation for them to be more creative in developing their businesses. Small business initiatives in Pringgodani Village, Bantur District, Malang Regency have progressed rapidly, achieving a 25% increase in 2024. The community service program was carried out by involving a resource person from Japan, Miyu Uehara, a Japanese student who motivated MSME actors by presenting examples of home-based businesses in Japan that are rich in creativity and innovation. Meanwhile, a graduate student from STIE Malangkucecwara, Edi Purnomo, provided support from the perspective of local government in his role as Subdistrict Head.The activity continued with an explanation of marketing support facilities delivered by the head of the Bantur District MSME association, Mr. Arik Dwi Asmara, who emphasized the importance of product quality to attract consumers and the need for continuous innovation to ensure long-term business sustainability.
Co-Authors Bunyamin Bunyamin Enggar Nursasi Hanif Mauludin Istiqomah, Risma Handayani Siti Munfaqiroh Wiyarni Wiyarni