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All Journal Jurnal Medika: Medika Global Research in Economics and Advanced Theory Sumber Informasi Manajemen Bisnis dan Akuntansi
Luthfiar Ramiady
Universitas Muhammadiyah Aceh
Religion Humanities Dentistry Economics, Econometrics & Finance Health Professions Medicine & Pharmacology Nursing Public Health Social Sciences Other

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FINANCIAL LITERACY AND HOUSEHOLD SAVING BEHAVIOR: A COMPARATIVE STUDY OF URBAN AND RURAL COMMUNITIES IN INDONESIA Luthfiar Ramiady; Hendri Bin Muhammad Nur
SUMBER INFORMASI MANAJEMEN BISNIS DAN AKUNTANSI Vol 2 No 2 (2025): Jurnal SIMBAN
Publisher : Gabungan Riset Edukasi dan Ekplorasi Teori (GREET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/simban.v2i2.40

Abstract

This study examines the relationship between financial literacy and household saving behavior in Indonesia, focusing on disparities between urban and rural communities. Employing a mixed-methods design, the research combines survey data from 500 households with in-depth interviews to capture both quantitative patterns and qualitative insights. The findings reveal significant literacy gaps: 65% of urban households demonstrate a basic understanding of financial concepts compared to only 35% of rural households. These disparities translate into distinct saving practices, with urban families more likely to engage in formal banking and investment, while rural households rely on informal mechanisms with limited long-term security. Cultural norms, digital access, and income levels further mediate these dynamics. Notably, households participating in targeted financial education programs reported a 20% increase in savings within six months, underscoring the transformative potential of structured interventions. The study highlights the dual role of technology as an enabler in urban contexts and a barrier in rural areas, pointing to the urgent need to address the digital divide. By integrating cultural sensitivity, technological inclusion, and community-based approaches, policymakers and educators can design more effective strategies to enhance financial literacy. Beyond immediate saving behavior, the study emphasizes the broader implications of literacy for economic resilience, equity, and sustainable development.
Pelatihan Kreativitas Dekorasi Puding dan Optimalisasi Pemasaran Digital sebagai Upaya Peningkatan Pendapatan Masyarakat Nara Pristiwa; Aida Fitri; Harbiyah G; Intan Rizkia Chudri; Luthfiar Ramiady; Nilazarni Nilazarni
Jurnal Medika: Medika in progres
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/9315tt66

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan keterampilan dan pendapatan masyarakat melalui pelatihan kreativitas dekorasi puding yang dipadukan dengan optimalisasi pemasaran digital. Program ini dilaksanakan dengan pendekatan partisipatif, melibatkan masyarakat secara aktif dalam proses pelatihan mulai dari teknik dasar hingga pengembangan desain puding yang bernilai estetika dan ekonomis. Selain itu, peserta juga dibekali pengetahuan mengenai strategi pemasaran digital, seperti pemanfaatan media sosial, pembuatan konten promosi, serta teknik komunikasi pemasaran yang efektif untuk menjangkau konsumen yang lebih luas, khususnya pada pasar acara seperti pesta pernikahan. Hasil kegiatan menunjukkan adanya peningkatan keterampilan peserta dalam menghasilkan produk puding yang lebih menarik dan memiliki nilai jual lebih tinggi. Di sisi lain, pemahaman terhadap pemasaran digital turut mendorong peserta untuk mulai memasarkan produk secara mandiri melalui platform online. Dengan demikian, kegiatan ini berkontribusi dalam membuka peluang usaha baru dan meningkatkan pendapatan masyarakat secara berkelanjutan
ANALYSIS OF HOTEL BRANDING STRATEGY IN ENHANCING CUSTOMER LOYALTY Nilazarni; Luthfiar Ramiady
GLOBAL RESEARCH IN ECONOMICS AND ADVANCE THEORY (GREAT) Vol 3 No 2 (2026): GREAT Journal
Publisher : GREET

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/greatjournal.v3i2.111

Abstract

The increasing competition in the hospitality industry has encouraged hotels to develop strong branding strategies to attract and retain customers. This study aims to examine the effect of hotel branding strategy on customer loyalty, with customer satisfaction as a mediating variable. Drawing upon branding theory and consumer behavior theory, this research proposes that a strong brand identity and image serve as important factors influencing customers’ perceptions and long-term relationships with the hotel. A quantitative approach was employed using survey data collected from hotel guests who have experienced hotel services. The data were analyzed using SPSS to test both direct and indirect relationships among variables. The findings indicate that hotel branding strategy has a significant effect on customer loyalty, both directly and indirectly through customer satisfaction. Customer satisfaction is found to partially mediate the relationship, suggesting that customers are more likely to become loyal when branding strategies enhance their overall experience and satisfaction. This study contributes to the hospitality marketing literature by providing empirical evidence on the role of branding in shaping customer loyalty and offers managerial implications for hotel management in developing effective branding strategies to sustain competitive advantage.
DIGITAL LENDING, HOUSEHOLD DEBT, AND FINANCIAL VULNERABILITY EVIDENCE FROM INDONESIA Zikrillah; Luthfiar Ramiady; Mukhtaruddin
GLOBAL RESEARCH IN ECONOMICS AND ADVANCE THEORY (GREAT) Vol 3 No 3 (2026): GREAT Journal
Publisher : GREET

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/greatjournal.v3i3.128

Abstract

Digital lending has rapidly expanded financial inclusion in Indonesia while simultaneously raising concerns over rising household indebtedness and financial vulnerability. Despite growing empirical attention, existing studies primarily examine individual borrowers and rarely distinguish between licensed fintech lending and illegal online lending, leaving the household as the fundamental economic decision-making unit largely unexplored. This study develops a dual-channel model of digital lending-induced household financial vulnerability by integrating behavioral and structural perspectives within a unified analytical framework. Using a cross-sectional household survey complemented by secondary data from the Financial Services Authority (OJK) and Statistics Indonesia (BPS), the study employs Partial Least Squares Structural Equation Modeling (PLS-SEM) with mediation, moderation, and robustness analyses to examine the relationships among digital lending exposure, household debt structure, behavioral propensity, digital financial literacy, and financial vulnerability. The proposed framework distinguishes between legal and illegal digital lending while incorporating household-level behavioral and institutional mechanisms that have received limited attention in previous research. The empirical findings are expected to clarify whether digital lending exposure increases household financial vulnerability through both behavioral and structural pathways, whether digital financial literacy exerts a nonlinear moderating effect, and whether illegal digital lending generates significantly greater financial vulnerability than licensed fintech lending. The study contributes to the household debt literature by extending multidimensional financial vulnerability theory to a fintech-dominated emerging economy and provides policy implications for strengthening macroprudential surveillance through household-level debt monitoring and differentiated regulatory interventions targeting both legal and illegal digital lending markets.
AI RELIANCE AND PROFESSIONAL JUDGMENT QUALITY AMONG GOVERNMENT AUDITORS IN ACEH: THE MODERATING ROLE OF PROFESSIONAL SKEPTICISM Luthfiar Ramiady; Hendri Bin Muhammad Nur
SUMBER INFORMASI MANAJEMEN BISNIS DAN AKUNTANSI Vol 3 No 2 (2026): Jurnal SIMBAN
Publisher : Gabungan Riset Edukasi dan Ekplorasi Teori (GREET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/simban.v3i2.146

Abstract

The adoption of artificial intelligence (AI) in government audit processes, ranging from data analytics to algorithm-based anomaly detection, promises significant efficiency gains, yet raises global concerns regarding automation bias, the tendency of auditors to accept AI output without adequate critical evaluation. This study aims to analyze the effect of AI reliance on the professional judgment quality of government auditors in Aceh, and to test and explore the moderating role of professional skepticism in this relationship. This study employs an explanatory sequential mixed methods design, beginning with a quantitative phase through a survey of 110 government auditors from the Aceh Inspectorate, Regency/City Inspectorates, the Aceh Representative Office of BPKP, and the Aceh Representative Office of BPK RI, analyzed using Moderated Regression Analysis (MRA), followed by a qualitative phase through in-depth interviews with ten selected auditors. The (illustrative) quantitative results reveal a counter-intuitive finding: AI reliance has a significant negative direct effect on professional judgment quality, yet professional skepticism significantly moderates this relationship by buffering (weakening) the negative effect. The qualitative phase reveals the underlying mechanism: auditors with high trait skepticism treat AI as a complementary tool that is still cross-verified, whereas auditors with low skepticism tend to treat AI as a substitutive tool whose output is accepted uncritically, a pattern informants themselves described as 'thinking laziness resulting from excessive trust in machines.' This study offers novelty as one of the first studies to empirically examine the specific construct of AI reliance, rather than general audit technology use, within the context of public-sector auditors in a special-autonomy region such as Aceh, while extending automation bias theory by positioning professional skepticism as a cognitive buffering mechanism. The practical implications underscore the urgency of strengthening professional skepticism training integrated with AI literacy for government auditors, so that the digital transformation of auditing does not come at the expense of professional judgment quality, which remains the core of the audit profession itself.
Co-Authors Aida Fitri Harbiyah G Hendri Bin Muhammad Nur Intan Rizkia Chudri Mukhtaruddin Nara Pristiwa Nilazarni Nilazarni Nilazarni Zikrillah