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All Journal Jurnal Media Akademik (JMA) Jurnal Ilmiah Manajemen Dan Kewirausahaan
Amelia Putri Maharani
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Literasi Keuangan, Pendapatan, Prilaku Keuangan dan Gaya Hidup terhadap Kesejahteraan ASN (Aparatur Sipil Negara) Dinas Pendidikan Dikabupaten Bondowoso Amelia Putri Maharani; Ni Nyoman Putu Martini; Achmad Hasan Hafidzi
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 5 No. 1 (2026): Januari: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v5i1.5250

Abstract

In Bondowoso Regency, an interesting phenomenon was discovered regarding the financial condition of State Civil Apparatus (ASN) within the Education Office. Despite having a fixed monthly income, some ASN still face quite complex financial problems. This is caused by uncontrolled consumptive spending patterns, which create a gap between income and expenditure. This research contributes theoretically by enriching the literature on personal financial management and the financial behavior of civil servants. This study specifically aims to analyze the influence of several independent variables—namely, financial literacy, income, financial behavior, and lifestyle—on ASN welfare. The study employs a quantitative method with a saturated sampling technique. From a population of 88 ASN, all were used as research samples to provide more representative data. The analysis process used multiple linear regression with the help of SPSS software. Before conducting the regression analysis, several classical assumption tests were carried out, including the normality test, multicollinearity test, and heteroscedasticity test, to ensure that the statistical model was reliable and free from violations. Next, a t-test was applied to measure the magnitude of the influence of each independent variable on ASN welfare. The results of the study showed differences in the influence of each variable. Two variables were found to have a positive and significant effect on well-being: income and financial behavior. This indicates that better financial behavior and higher income of civil servants (ASN) increase their well-being. On the other hand, financial literacy and lifestyle variables showed a positive but insignificant effect on well-being. This means that although financial literacy and lifestyle contribute, their influence is not strong enough to improve ASN well-being. These findings indicate that income and the ability to manage personal finances play a dominant role in determining ASN well-being in Bondowoso Regency.  
RELEVANSI SERTIFIKASI HALAL SEBAGAI NILAI TAMBAH PELAKU EKONOMI KOMODITAS DAGING AYAM POTONG Ninda Putri Yulanda; Amelia Putri Maharani; Herlina Yustati; Khozin Zaki
Jurnal Media Akademik (JMA) Vol. 3 No. 11 (2025): JURNAL MEDIA AKADEMIK Edisi November
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/64a7fr90

Abstract

Penelitian ini bertujuan untuk menganalisis relevansi sertifikasi halal sebagai sumber nilai tambah bagi pelaku usaha komoditas daging ayam potong di Indonesia. Latar belakang penelitian berangkat dari tingginya konsumsi ayam potong di masyarakat serta kewajiban sertifikasi halal berdasarkan regulasi Jaminan Produk Halal. Metode yang digunakan adalah penelitian kualitatif deskriptif melalui studi kepustakaan dengan menghimpun literatur primer dan sekunder terkait sertifikasi halal, nilai tambah ekonomi, perlindungan konsumen, serta praktik operasional rumah potong unggas. Analisis konten dilakukan untuk mengidentifikasi tema, pola, serta implikasi sertifikasi halal terhadap kepercayaan pasar, peningkatan penjualan, daya saing produk, dan kepastian hukum bagi konsumen. Temuan penelitian menunjukkan bahwa sertifikasi halal memberikan kontribusi signifikan dalam memperkuat kepercayaan konsumen, meningkatkan kualitas proses produksi, serta memperluas pangsa pasar bagi pelaku usaha ayam potong. Meskipun demikian, pelaksanaan sertifikasi masih menghadapi kendala berupa biaya sertifikasi, keterbatasan pemahaman teknis, dan tantangan operasional dalam pemenuhan standar penyembelihan sesuai syariat. Penelitian ini menegaskan bahwa sertifikasi halal tidak hanya berfungsi sebagai instrumen perlindungan konsumen, tetapi juga sebagai faktor strategis peningkatan nilai ekonomi pelaku usaha. Implikasi penelitian ini diharapkan menjadi rujukan bagi pemerintah, lembaga sertifikasi, dan pelaku industri dalam memperkuat ekosistem produk halal nasional melalui edukasi, pendampingan, dan penguatan kebijakan.
Co-Authors Achmad Hasan Hafidzi Herlina Yustati Khozin Zaki Ni Nyoman Putu Martini Ninda Putri Yulanda