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All Journal Horizon: Indonesian Journal of Multidisciplinary At-Thariqah Jurnal Ekonomi
Hasbiah
Institut Agama Islam negeri Sorong
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Pembiayaan Terhadap Kesejahteraan Nasabah Melalui Peran Pt Permodalan Nasional Madani (PNM) Mekaar Sebagai Variable Intervening Di Klalin I Aimas Kabupaten Sorong Hindun Mahiroh; Hasbiah; Fitrah Ariyani
At-Thariqah: Jurnal Ekonomi Vol. 5 No. 2 (2025): At-Thariqah: Jurnal Ekonomi
Publisher : Prodi Ekonomi Syariah IAIN Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47945/at-thariqah.v5i2.2402

Abstract

The limited access to capital for Micro, Small, and Medium Enterprises (MSMEs), particularly for micro-businesses run by women in areas like Sorong Regency, is a major challenge in economic development. This study aims to examine the real effect of PNM Mekaar financing (X) and its role (Z) on the welfare of women customers (Y) in Klalin 1 Aimas, Sorong Regency. This research uses an associative quantitative approach (correlation) with a positivist paradigm. The research sample consists of 50 active customers. Data analysis employs the Partial Least Square-Structural Equation Modeling (PLS-SEM) method using SmartPLS software. The results of the analysis indicate the following: The effect of Financing (X) on Welfare (Y) is highly significant and positive. This finding confirms that access to capital is a key and most effective factor in improving customer welfare. The effect of Financing (X) on the PNM Mekaar Role (Z) is nearly significant. The PNM Mekaar Role (Z) does not have a significant effect on Welfare (Y). Overall, 61.1% of the variation in customer welfare can be explained by this model. PNM Mekaar financing directly serves as the primary instrument in enhancing customer welfare. However, the effectiveness of the mentoring and training role needs to be thoroughly evaluated and its quality improved. Conclusion and Suggestion PNM Mekaar is recommended to review the design of the mentoring program, the relevance of the material, and the capacity of the Account Officers (AO) to provide significant added value for the customers. Would you like me to translate another paragraph or perhaps clarify any specific terms used in this abstract
Pengaruh Lingkungan Sosial dan Locus of Control Terhadap Perilaku Keuangan Generasi Z di Kota Sorong Fauzan; Hasbiah; Rokhimah
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i3.5588

Abstract

This study aims to analyze the influence of hedonistic lifestyle and social influence on the financial behavior of Generation Z in Sorong City, addressing the limited contextual evidence on how lifestyle orientation and social pressure shape young people’s financial decisions in a digital consumption environment.This study employed a quantitative approach with an explanatory associative design. The respondents consisted of 100 Generation Z individuals residing in Sorong City, selected through purposive sampling based on criteria such as active social media use and experience in making personal financial decisions. Data were collected using a closed-ended questionnaire measured with a five-point Likert scale. The data were analyzed using descriptive and inferential statistics, with multiple linear regression conducted through SPSS.The findings indicate that hedonistic lifestyle influences the financial behavior of Generation Z through consumption tendencies oriented toward pleasure, self-image, impulsive buying, and immediate gratification. Social influence also affects financial behavior through group norms, peer pressure, family, community, and social media. Simultaneously, hedonistic lifestyle and social influence contribute to shaping the financial behavior of Generation Z in Sorong City.The findings suggest that financial education for Generation Z should not only emphasize financial literacy, but also address self-control, digital consumption awareness, and social pressure.This study provides contextual evidence from Sorong City by integrating hedonistic lifestyle and social influence as key determinants of Generation Z’s financial behavior
Co-Authors Fauzan Fitrah Ariyani Hindun Mahiroh Rokhimah Rokhimah