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Pengaruh Digital financial literacy dan Financial Socialization Terhadap Saving behavior dengan Self-control sebagai Variabel Intervening pada Gen Z di DKI Jakarta Silviea Nur Wulandari; Riswandi Riswandi; Aditya Pratama
Indonesia Economic Journal Vol. 1 No. 2 (2025): DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/f7yz3737

Penelitian ini bertujuan menganalisis pengaruh digital financial literacy dan financial socialization terhadap saving behavior Gen Z di DKI Jakarta, dengan self-controlsebagai variabel mediasi. Pendekatan kuantitatif digunakan melalui metode survei, mengumpulkan data dari 200 responden Gen Z pengguna platform keuangan digital di DKI Jakarta. Teknik purposive sampling diterapkan dalam pengambilan sampel.Analisis data menggunakan SEM-PLS (Structural Equation Modeling Partial Least Square) dengan software SmartPLS 4.0 untuk menguji total tujuh hipotesis. Hasil penelitian menunjukkan bahwa digital financial literacy dan financial socialization secara langsung memiliki pengaruh positif dan signifikan terhadap saving behavior. Demikian pula, self-controljuga terbukti berpengaruh positif dan signifikan terhadap saving behavior. Lebih lanjut, digital financial literacy dan financial socialization turut berpengaruh positif dan signifikan terhadap saving behavior yang dimediasi oleh self-controlpada Generasi Z di DKI Jakarta. Ini menyoroti peran krusial self-controldalam hubungan tersebut

Pengaruh Sertifikasi Halal dan Kompetensi Kewirausahaan terhadap Kinerja UMKM dengan Kepercayaan Konsumen sebagai Variabel Mediasi (Studi Kasus pada UMKM di Jakarta Timur) Esa Putu Munggara; Aditya Pratama; Riswandi Riswandi
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7bhhhd24

This study aims to analyze the effect of halal certification and entrepreneurial competence on MSME performance with consumer trust as a mediating variable in MSMEs in East Jakarta participating in the empowerment program of the Ministry of MSMEs of the Republic of Indonesia. This study employed a quantitative approach with a purposive sampling technique involving 140 respondents. Data were analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM). The results indicate that entrepreneurial competence has a positive and significant effect on MSME performance, while halal certification and consumer trust have no significant effect on MSME performance. Halal certification and entrepreneurial competence are proven to have a positive and significant effect on consumer trust. Furthermore, consumer trust is unable to mediate the effect of either halal certification or entrepreneurial competence on MSME performance. These findings indicate that improvement in MSME performance is largely determined by the internal capabilities of business actors rather than consumer trust factors. Therefore, strengthening entrepreneurial competence needs to be the main focus in MSME development programs, while halal certification plays a greater role in enhancing business credibility and image.

Pengaruh Model Pembelajaran Game Based Learning Menggunakan Platform Zep Quiz terhadap Minat Belajar Siswa pada Mata Pelajaran Ekonomi Kelas X di SMA Negeri 31 Jakarta Imas Masithoh; Riswandi Riswandi; Aditya Pratama
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/0rbqc814

This study aims to analyze the effect of Game Based Learning model using Zep Quiz platform on students' learning interest in Economics subjects class X at SMA Negeri 31 Jakarta. The low interest in learning among students is a major problem in the learning process, especially in economics subjects that are considered abstract and theoretical. This study uses a quantitative approach with a quasi-experimental design. The research sample consisted of 64 students divided into experimental and control groups. Data were collected through learning interest questionnaires and analyzed using independent sample t-test. The results showed that there was a significant influence of the Game Based Learning model using the Zep Quiz platform on students' learning interest. The experimental group showed a higher average learning interest score compared to the control group. The use of interactive and fun game-based learning is able to create a more enjoyable learning atmosphere, increase student engagement, and reduce boredom in learning. This study concludes that the Game Based Learning model using the Zep Quiz platform is effective in increasing students' interest in learning economics. This research contributes to the development of innovative and technology-based learning models to improve the quality of education.

Pengaruh Literasi Keuangan, Gaya Hidup, dan Teman Sebaya Terhadap Perilaku Menabung Siswa SMAN 2 Depok Imelda Apriliani; Aditya Pratama; Riswandi Riswandi
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/83agpg51

Saving behavior is an essential aspect of developing students' ability to manage their finances wisely from an early age. However, the saving habits of some students remain relatively low and are influenced by various factors, including financial literacy, peer influence, and lifestyle. The inconsistent findings of previous studies regarding the relationships among these variables indicate the existence of a research gap that requires further investigation. Therefore, this study aims to analyze the effects of financial literacy, peer influence, and lifestyle on the saving behavior of students at SMAN 2 Depok and to examine the mediating role of lifestyle in these relationships. This study employed a quantitative approach using a causal associative research design. The population consisted of students at SMAN 2 Depok, with a sample of 140 respondents. Data were collected through a questionnaire using a Likert scale. Furthermore, the data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with the assistance of SmartPLS 4 software. The findings revealed that financial literacy and peer influence had a positive and significant effect on students' saving behavior. In addition, financial literacy had a negative and significant effect on lifestyle, while peer influence had a positive and significant effect on lifestyle. On the other hand, lifestyle had no significant effect on saving behavior and was unable to mediate the effects of financial literacy and peer influence on students' saving behavior. These findings indicate that students' saving behavior is more strongly influenced by financial literacy and peer influence than by lifestyle.

Analisis Fenomena “Resource Curse” pada Daerah Pertambangan di Indonesia Aldrina Febriani; Dicky Iranto; Riswandi Riswandi
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/c5j0at14

This study aims to analyse the impact of the mining sector’s contribution and Average Years of Schooling (AYS) on the growth of Regional Gross Domestic Product (RGDP), as well as the impact of the mining sector’s contribution and Local Revenue (PAD) on the Human Development (IPM). This quantitative study employs multiple linear regression on panel data (a combination of time series from 2011–2024 and cross-sectional data) across eight mining-producing provinces in Indonesia selected through a purposive sampling technique. Secondary data were sourced from official publications of the Central Statistics Agency (BPS) and the Directorate General of Budget and State Financial Management (DJPK) of the Ministry of Finance. The results indicate that the mining sector’s contribution has a positive and significant effect on GRDP growth; thus, no evidence of the resource curse was found in the context of economic growth. However, the mining sector’s contribution exhibits a negative and insignificant effect on the Human Development Index (HDI), indicating a tendency toward the “resource curse” phenomenon, as the economic benefits of mining have not yet been optimally converted into public welfare. On the other hand, RLS is found to have a positive and significant effect on GRDP growth, consistent with human capital theory. Local Revenue (PAD) also has a positive and significant effect on the Human Development Index (HDI), confirming that public welfare is greatly influenced by the effectiveness of local governments in managing fiscal capacity for public services, rather than relying solely on mining revenues.

Pengaruh Kebijakan Pemerintah dan Pendidikan Kewirausahaan terhadap Intensi Berwirausaha Pesantren melalui Literasi Ekonomi di Indonesia Muhammad Rosikhul Ilmi; Karuniana Dianta Arfiando Sebayang; Riswandi Riswandi
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 5: Juli 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i5.9432

Penelitian ini bertujuan untuk menganalisis pengaruh kebijakan pemerintah dan pendidikan kewirausahaan terhadap intensi berwirausaha di kalangan pesantren di Indonesia, dengan literasi ekonomi sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap pesantren penerima program Kemandirian Pesantren dari Kementerian Agama RI di seluruh Indonesia. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan Smart-PLS 4.0. Hasil penelitian menunjukkan bahwa baik kebijakan pemerintah maupun pendidikan kewirausahaan memiliki pengaruh signifikan terhadap intensi berwirausaha pesantren. Selain itu, literasi ekonomi terbukti memediasi hubungan tersebut. Temuan ini menegaskan pentingnya sinergi antara kebijakan publik, pendidikan kewirausahaan, dan penguatan literasi ekonomi untuk mendorong kemandirian ekonomi pesantren.

Pengaruh Sosial Ekonomi Orang Tua Dan Potensi Diri Terhadap Minat Siswa Melanjutkan Ke Perguruan Tinggi Natasya Azzahra; Aditya Pratama; Riswandi Riswandi
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/mka42m98

This study aims to determine the influence of parents' socio-economic status on students' interest in continuing to higher education, with self-potential as a mediating variable. This is a quantitative study with an explanatory approach. The population and sample size were 76 12th-grade students of SMA Negeri 79 Jakarta majoring in economics. The data were processed and analyzed using Structural Equation Modeling (SEM) with the assistance of SmartPLS 3.0. The results of this study indicate that (1) There is a significant influence between the socio-economic status of parents on students' interest in continuing to college (2) There is a significant influence between the socio-economic status of parents on self-potential (3) There is a significant influence between self-potential on students' interest in continuing to college (4) There is a significant influence between the socio-economic status of parents on students' interest in continuing to college through self-potential.

Pengaruh Efikasi Diri dan Sosial Ekonomi Keluarga terhadap Minat Melanjutkan Studi ke Perguruan Tinggi melalui Orientasi Masa Depan pada Siswa SMA Negeri Jakarta Barat Nizmah Fajar Riyanti; Riswandi Riswandi; Aditya Pratama
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/dbvbeh05

This study aims to examine and analyze the influence of self-efficacy and family socioeconomic status on students' interest in pursuing higher education, both directly and through future orientation as a mediating variable, among students of public senior high schools in West Jakarta. This research employed an explanatory quantitative approach using a survey method. The population comprised all eleventh-grade social science students at SMA Negeri 16 Jakarta, SMA Negeri 57 Jakarta, and SMA Negeri 101 Jakarta, totaling 360 students, with a sample of 190 respondents determined through proportionate stratified random sampling. Data were collected using a Likert-scale questionnaire distributed online via Google Form and analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM) with SmartPLS version 4.1.1.8. The results show that self-efficacy, family socioeconomic status, and future orientation each have a positive and significant effect on students' interest in pursuing higher education. In addition, self-efficacy and family socioeconomic status are also found to have a positive and significant effect on future orientation. Furthermore, future orientation is proven to positively and significantly mediate the effect of both self-efficacy and family socioeconomic status on students' interest in pursuing higher education. These findings reinforce the Theory of Planned Behavior, Bandura's Social Cognitive Theory, and Future Time Orientation theory in explaining the process by which students' interest in continuing their education to the higher education level is formed.

LITERASI DAN KESADARAN HAMBATAN ADOPSI EKONOMI HIJAU PADA UMKM KULINER DI KABUPATEN TANGERANG Fitra Dila Lestari; Sri Indah Nikensari; Riswandi Riswandi; Daru Putri Kusumaningtyas
EDUNOMIA: Jurnal Ilmiah Pendidikan Ekonomi Vol. 6 No. 2 (2026): Mei
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/edunomia.v6i2.11357

ABSTRAK UMKM kuliner di Indonesia menghadapi tantangan dalam mengadopsi praktik ekonomi hijau meskipun sektor ini memiliki potensi signifikan untuk pengembangan ekonomi daerah. Literasi ekonomi hijau dan kesadaran terhadap hambatan implementasi masih rendah. Penelitian ini bertujuan menganalisis pengaruh literasi ekonomi hijau terhadap potensi adopsi praktik ekonomi hijau berkelanjutan dengan kesadaran terhadap hambatan implementasi sebagai variabel mediasi pada UMKM sektor kuliner di Indonesia. Menggunakan pendekatan kuantitatif dengan purposive sampling terhadap 150 UMKM sektor kuliner, data dianalisis menggunakan Structural Equation Modeling-Partial Least Square (SEM-PLS). Hasil penelitian mengungkapkan tiga temuan kunci: (1) literasi ekonomi hijau memiliki pengaruh positif signifikan terhadap potensi adopsi (β=0,335, p<0,05); (2) literasi meningkatkan kesadaran hambatan, yang justru memicu perilaku pencarian solusi secara proaktif (β=0,517, p<0,05); (3) kesadaran terhadap hambatan implementasi memediasi secara positif hubungan literasi-adopsi (β=0,511, p<0,05), berfungsi sebagai katalis untuk motivasi implementasi strategis. Penelitian ini memberikan kontribusi teoretis dengan memperkenalkan konsep “kesadaran hambatan sebagai katalis positif” dan menjadi sebuah konstruk baru yang menantang asumsi konvensional bahwa persepsi hambatan bersifat menghambat adopsi. Sebaliknya, penelitian ini membuktikan secara empiris bahwa kesadaran terhadap hambatan, ketika ada literasi yang memadai, justru berfungsi sebagai mekanisme motivasional yang mendorong perilaku proaktif pelaku UMKM. Kontribusi ini memperluas kerangka teori perilaku terencana (Theory of Planned Behavior) dan teori difusi inovasi dalam konteks ekonomi hijau di negara berkembang, khususnya pada UMKM. Temuan merekomendasikan pengembangan program literasi ekonomi hijau terstruktur, penguatan ekosistem dukungan kolaboratif antara pemerintah, UMKM, akademisi, dan penerapan kebijakan insentif untuk adopsi ekonomi hijau guna mempercepat pencapaian SDG di tingkat lokal. Kata Kunci: adopsi ekonomi hijau; kesadaran hambatan; literasi ekonomi hijau; potensi UMKM ABSTRACT Culinary SMEs in Indonesia face challenges in adopting green economy practices despite the sector having significant potential for regional economic development. Green economy literacy and awareness of implementation barriers remain low. This study aims to analyze the influence of green economy literacy on the potential adoption of sustainable green economy practices with awareness of implementation barriers as a mediating variable among culinary SMEs in Indonesia. Using a quantitative approach with purposive sampling of 150 culinary SMEs, data were analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The findings reveal three key results: (1) green economy literacy has a significant positive effect on adoption potential (β=0.335, p<0.05); (2) literacy enhances barrier awareness, which in turn triggers proactive solution-seeking behavior (β=0.517, p<0.05); (3) awareness of implementation barriers positively mediates the literacy-adoption relationship (β=0.511, p<0.05), functioning as a catalyst for strategic implementation motivation. This study contributes theoretically by introducing the concept of "barrier awareness as a positive catalyst" as a novel construct that challenges the conventional assumption that barrier perception inhibits adoption. Empirically, this study demonstrates that awareness of barriers, when supported by adequate literacy, functions as a motivational mechanism that encourages proactive behavior among SME actors. This contribution extends the Theory of Planned Behavior and innovation diffusion theory within the green economy context in developing countries, particularly among SMEs. The findings recommend developing structured green economy literacy programs, strengthening collaborative support ecosystems among government, SMEs, and academics, and implementing incentive policies for green economy adoption to accelerate the achievement of local level SDGs. Keywords: barrier awareness; green economy adoption; green economic literacy; MSME potential

Nilai Tukar Rupiah, Harga Kopi Internasional dan PDB sebagai Determinan Volume Ekspor Kopi Indonesia ke Amerika Serikat (2014-2025) Afifahayati Afifahayati; Dicky Iranto; Riswandi Riswandi
Indonesia Economic Journal Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/ffs7ea21

This study aims to analyze the effect of the real rupiah exchange rate, international coffee prices, and the United States Gross Domestic Product (GDP) on Indonesia's coffee export volume to the United States. This research employed a quantitative approach using multiple linear regression analysis. Secondary data were obtained from Bank Indonesia, the International Coffee Organization (ICO), the Federal Reserve Economic Data (FRED) of St. Louis, and the International Trade Centre (ITC), resulting in a total of 48 observations. The findings indicate that the real rupiah exchange rate has no significant effect on Indonesia's coffee export volume to the United States, suggesting that the export volume responds to exchange rate fluctuations only in the long run. International coffee prices have a positive and significant effect, indicating that higher coffee prices encourage producers and exporters to increase export volumes. Meanwhile, the United States Gross Domestic Product (GDP) has a negative and significant effect, which is presumed to be attributable to the structural dominance of premium coffee-exporting countries in the U.S. market. These findings are expected to provide valuable insights for the government and business actors in formulating strategies to enhance the competitiveness of Indonesian coffee exports in the United States market.

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