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All Journal Journal Informatic, Education and Management (JIEM) Buletin Poltanesa
Nuzulman
Universitas Muhammadiyah Aceh
Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Education Languange, Linguistic, Communication & Media Other

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Financial Behavior as a Mediator of Islamic Financial Literacy and Fintech Experience Aris Mizar; Surna Lastri; Nuzulman
Poltanesa Vol 26 No 2 (2025): December 2025
Publisher : P3KM Politeknik Pertanian Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51967/tanesa.v26i2.3598

Abstract

This study analyzes the mediating role of financial behavior in the relationship between Islamic financial literacy and fintech experience on the financial well-being of university students in Banda Aceh. Using a quantitative approach, data were collected through a structured survey involving 395 active students and analyzed using Structural Equation Modeling (SEM-AMOS). The findings show that Islamic financial literacy and fintech experience have significant direct and indirect effects on financial well-being, with financial behavior functioning as a strong mediator. Students with higher Islamic financial literacy tend to demonstrate more prudent, ethical, and Sharia-compliant financial actions that contribute to better financial outcomes. Meanwhile, extensive fintech experience enhances efficiency in financial management, yet its impact becomes optimal only when accompanied by disciplined financial behavior. The integrated model developed in this study successfully explains 80.6% of the variation in students’ financial well-being, indicating the strong influence of cognitive, experiential, and behavioral factors compared to demographic variables. These results highlight the importance of strengthening financial education, particularly by combining Islamic financial principles with digital financial literacy, to support students in navigating financial challenges in the digital era. The study also provides implications for educators, policymakers, and fintech providers in designing targeted interventions that promote responsible financial practices among young adults.
THE INFLUENCE OF HUMAN RESOURCE QUALITY, INTERNAL COMMUNICATION, AND TEAMWORK ON THE PERFORMANCE OF TIPIDKOR MEMBERS A DITRESKRIMSUS POLDA ACEH Raysahri; Nuzulman; Zikrillah
Journal Informatic, Education and Management (JIEM) Vol 8 No 2 (2026): AUGUST
Publisher : STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61992/jiem.v8i2.417

Abstract

This study aims to analyze the influence of Human Resource Quality, Internal Communication, and Teamwork on the performance of members of the Tipidkor Unit of the Special Crimes Investigation Directorate (Ditreskrimsus) of the Aceh Regional Police. The study population and sample consisted of 88 respondents, comprising 32 internal respondents and 56 external respondents, using a saturation sampling technique so that the entire population was included as research respondents. The results of the study indicate that the quality of human resources has a positive and significant effect on member performance. Internal communication was also found to have a positive and significant effect on member performance. Conversely, teamwork did not have a significant effect on member performance. Simultaneously, the quality of human resources, internal communication, and teamwork have a significant effect on the performance of members of the Tipidkor Ditreskrimsus of the Aceh Regional Police. These findings indicate that improvements in the performance of members of the Tipidkor Ditreskrimsus of the Aceh Provincial Police are largely determined by the quality of human resources available and the effectiveness of internal communication within the organization. Therefore, efforts to enhance members’ competencies through education and training, as well as strengthening the internal communication system, must be prioritized to support the optimization of member performance. Meanwhile, the aspect of teamwork needs to be evaluated and adapted to the characteristics of investigative tasks so that it can contribute more optimally to the achievement of organizational performance.
Co-Authors Aris Mizar Muhammad Yamin Rahmad Hidayat Raysahri Surna Lastri Zikrillah