Economic Education Analysis Journal starting in 2024 migrates to better secure from various unwanted things, including journal hacking and so on. To submit, the author please visit the new website page of our journal at the link https://journal.unnes.ac.id/journals/eeaj MIGRATION OFFICIAL STATEMENT HERE Economic Education Analysis Journal [P-ISSN 2252-6544 | E-ISSN 2502-356X] is a scientific periodical published by the Department of Economics Education, Faculty of Economics and Business, Universitas Negeri Semarang. This journal publishes original research and conceptual analysis of economic, accounting, cooperative and office administration education. Accredited Certificate 2022-2026 Indexing GARUDA SINTA DOAJ
The Influence of Natural Disasters, Road Infrastructure Quality, Social Assistance Expenditure, and the Human Development Index on Regional Economic Growth in Indonesia
This study examines how environmental vulnerability and development capacity shape regional economic growth across 34 Indonesian provinces during 2020–2024. Addressing a gap in endogenous growth and regional resilience literature, the study investigates whether natural disaster risk, road infrastructure quality, social assistance expenditure, and the Human Development Index (HDI) exert differential effects on provincial economic performance. Annual panel data were analyzed using a Fixed Effect Model, selected through model specification tests to control for unobserved provincial heterogeneity. The findings indicate that natural disaster risk significantly suppresses economic growth by disrupting productive assets and economic activities, whereas HDI positively promotes growth through improvements in human capital quality. In contrast, road infrastructure quality and social assistance expenditure do not exhibit significant effects, suggesting that their growth impacts may depend on implementation efficiency, institutional capacity, and longer-term transmission mechanisms. These results highlight the predominance of human capital and disaster resilience over short-term fiscal interventions in shaping regional development outcomes. The study extends endogenous growth theory by integrating environmental risk and regional resilience perspectives within a subnational development context in a disaster-prone developing economy.
Copyright (c) 2026 Economic Education Analysis Journal
The Effect of Shopee Paylater Access Convenience on Purchasing Decisions Moderated by Self-Control Among Gen Z in Surabaya
This study aims to examine the effect of Shopee Paylater access convenience on purchasing decisions and to analyze the moderating role of self-control among Gen Z consumers in Surabaya. The ease of access offered by digital financial services such as Shpee Paylater has the potential to encourage impulsive purchasing decisions is necessary to help consumers make wiser and more responsible consumption choices. This research uses a quantitative approach with an associative research design to analyze the relationship between variables. The population consisted of Gen Z consumers domiciled in Surabaya totling 707,871 and 130 respondents were selected through purposive sampling. Data were collected using an online questionnaire based on a five point likert scale and anlyzed through Partial Least Square Structural Equation Modelling (PLS-SEM) with SmartPLS 4 software. The result indicate that Shopee Paylater access convenience has a significant positive effect on purchasing decisions, self-control has a significant positive effect on purchasing decisions as the dominant factor, and self-control significantly moderates and strengthens the effect of access convenience on purchasing decisions among Gen Z consumers in Surabaya. These findings suggest that both technological convenience and psychological readiness play an important role in shaping purchasing behavior among Gen Z consumers. This study contributes to the development of digital consumer behavior research and provides insights for businesses and educational institutions in encouraging wiser and more responsible purchasing decisions.
Access Convenience, Shopee Paylater, Purchase Decisions, Self-control, Gen Z
The Effect Of Palm Oil Exports, Machinery Imports, And Foreign Debt On Foreign Exchange Reserves In Indonesia 2005–2024
This study examines the influence of crude palm oil (CPO) exports, machinery imports, and external debt on Indonesia’s foreign exchange reserves during the 2005–2024 period amid fluctuating global economic conditions. Using a quantitative explanatory approach, this research analyzes the short-run and long-run relationships between external sector variables and foreign exchange reserve stability in Indonesia. Secondary time-series data were obtained from Bank Indonesia and the Central Statistics Agency, then analyzed using the Error Correction Model (ECM). The findings reveal that CPO exports have a negative but insignificant effect on foreign exchange reserves in both the short and long run, indicating that export earnings are not fully accumulated as reserve assets. Machinery imports show a positive but insignificant effect in the short run, while exerting a positive and significant effect in the long run through increased industrial productivity and export capacity. External debt positively and significantly affects foreign exchange reserves in both periods through foreign capital inflows. Simultaneously, all variables significantly influence Indonesia’s foreign exchange reserves. This study contributes empirically by integrating trade and external financing variables within a long-run ECM framework in a developing economy context.
The Effects of Inflation, Exchange Rates, And Gross Domestic Product on Indonesia's Crude Oil Exports
This study examines the relationship between inflation, exchange rates, and Gross Domestic Product (GDP) in destination countries and Indonesia’s crude oil exports to Thailand, Malaysia, Singapore, Australia, and South Korea during 2014–2024. Using annual panel data consisting of 55 observations, panel regression analysis was conducted, with the Fixed Effect Model selected based on Chow and Hausman tests. The results indicate that inflation in destination countries is negatively and significantly associated with Indonesia’s crude oil exports. In contrast, exchange rates exhibit a negative but insignificant relationship, while GDP shows a positive but insignificant relationship with export volumes. Collectively, the three variables significantly explain 52.93% of the variation in exports. These findings suggest that macroeconomic conditions in importing countries, particularly inflation, are associated with fluctuations in Indonesia’s crude oil exports, whereas the roles of exchange rates and GDP appear limited within the observed sample. The study contributes to the trade and energy literature by providing evidence from major Asian-Pacific export destinations. However, the findings should be interpreted cautiously due to the limited number of observations and the exclusion of structural factors such as global oil prices and energy policy dynamics.
Analysis of Factors Affecting Employment Absorption in Micro and Small-Scale Industries Across 34 Provinces in Indonesia
The micro and small-scale industry (MSI) sector constitutes a key driver of employment in Indonesia; however, its labor absorption capacity varies across regions. This study examines the determinants of employment absorption in MSI across 34 provinces using panel data regression. The model includes production value, investment, wages, and the number of business units as explanatory variables. The results indicate that investment and the number of business units have a positive and statistically significant effect on employment absorption, while wages show a negative and significant relationship. In contrast, production value is not statistically significant. These findings suggest that output expansion in the MSI sector is not consistently associated with increased labor absorption. However, this condition should be interpreted cautiously and does not necessarily imply structural jobless growth. From a theoretical perspective, the findings reveal a partial inconsistency with conventional labor demand theory, particularly regarding the expected positive relationship between output and labor demand. This may reflect structural characteristics of MSI, such as low productivity and heterogeneous production conditions. Policy implications should remain aligned with the empirical results, emphasizing investment promotion and business expansion to improve employment absorption.
Analysis of Factors Affecting the Income of Culinary MSMEs in Medan Marelan District
This study aims to analyze the influence of capital, labor, and technology on the income of culinary MSMEs in Medan Marelan District. The study involved 50 culinary MSME actors selected from a population of 857 businesses. The sample size was considered adequate for Partial Least Squares Structural Equation Modeling (PLS-SEM), as this method is suitable for exploratory studies with relatively small samples and complex relationships among variables. This research employed both primary and secondary data. Primary data were collected through questionnaires distributed to MSME actors, while secondary data were obtained from the Central Statistics Agency (BPS) and the Office of Cooperatives and MSMEs. Data analysis was conducted using SmartPLS 4 to examine the direct effects of capital, labor, and technology on MSME income. The findings reveal that all three variables have a positive and significant effect on income. Capital demonstrates the strongest contribution, indicating that business expansion and operational continuity among culinary MSMEs are highly dependent on financial capacity. Labor significantly supports productivity and service quality, while technology contributes to income improvement through operational efficiency and broader market reach. Simultaneously, the three variables significantly explain variations in MSME income. These findings highlight the importance of strengthening financial access, improving workforce quality, and encouraging technology adoption to support the sustainable development and competitiveness of culinary MSMEs.
A Protection Model Against Side Effects of Cosmetic Products in E-Commerce: Perspectives from Islamic Economics, Social, and Risk Management
This study aims to develop and conceptualize a protection model for adverse effects arising from cosmetic products purchased through e-commerce platforms by integrating Islamic economic principles, social perspectives, and risk management approaches. A qualitative research design was employed using purposive sampling to select informants who had purchased cosmetic products via e-commerce, were at least 18 years old, and had experience with product-related adverse effects or digital consumer protection mechanisms. Primary data were collected through in-depth interviews, while secondary data were obtained from platform policy documents and relevant scholarly literature. The data were analyzed using thematic analysis by linking empirical findings with the principles of maqāṣid al-sharīʿah, consumer trust, and risk management frameworks. The findings propose a comprehensive protection model consisting of preventive, responsive, and curative dimensions, encompassing product verification, claims-handling procedures, and compensation mechanisms. This model extends the literature on digital consumer protection and offers practical guidance for e-commerce platforms, regulators, and insurance providers in strengthening consumer safety and trust within the digital marketplace.
Consumer Protection, Cosmetic Product Safety, E-Commerce, Islamic Economics Risk Management
The Influence of Growth Mindset, Family Environment, School Field Introduction (PLP), and Student Perception of the Teacher Professional Education Program (PPG) on Interest in Becoming an Economics Teacher in East Java
Student interest in choosing the economics teacher profession is still relatively low. This problem is proven through pre-research data and unstructured interviews which show that most students do not have a strong interest in working as economics teachers. The low interest is suspected to be influenced by various factors, both from within and outside. This study aims to analyze the influence of Growth Mindset, Family Environment, School Field Introduction (PLP), and Student Perception of the Teacher Professional Education Program (PPG) on interest in becoming an economics teacher in East Java. This study uses a quantitative approach with data collection techniques through questionnaires distributed online. The research sample amounted to 191 S1 Economics Education students class of 2022 from the State University of Surabaya, the State University of Malang, and the University of Jember who were selected using purposive sampling techniques. The research data was analyzed using multiple linear regression. The results of the study showed that partially growth mindset, family environment, introduction to the school field, and students' perception of the PPG program had a positive and significant effect on interest in becoming an economics teacher. Simultaneously, the four independent variables have a significant effect on interest in becoming an economics teacher. These findings suggest that the support of internal and external factors together is needed to increase students' interest in becoming economics teachers.
Interest in becoming an economics teacher; Growth Mindset; Family Environment; School Field Introduction (PLP); Students' Perceptions of PPG Program
The Effect of the Problem Based Learning Model Assisted by the Educandy Application on Student Learning Outcomes
Despite the growing adoption of digital learning technologies, limited evidence exists regarding the integration of Problem-Based Learning supported by gamified educational applications in economics education. Grounded in active learning theory, this study examines the effect of a Problem-Based Learning approach assisted by the Educandy application on students’ learning outcomes. A quantitative study employing a quasi-experimental design with a nonequivalent control group was conducted. The experimental group received Problem-Based Learning supported by Educandy, whereas the comparison group participated in conventional instruction. Learning outcomes were measured using an achievement test, and the data were analyzed through descriptive and inferential statistical procedures. The findings indicate that students exposed to Problem-Based Learning assisted by Educandy achieved higher learning outcomes than those experiencing conventional learning. The results suggest that combining problem-centered learning with interactive digital media enhances student engagement and supports deeper understanding of economics concepts. This study contributes to the active learning literature by demonstrating the pedagogical value of integrating gamified learning applications with Problem-Based Learning and offers practical implications for educators seeking to improve learning effectiveness in economics classrooms.
Problem Based Learning, Educandy, Student Outcomes
The Effect of Career Adaptability on Career Anxiety with the Mediation of Self-Efficacy in Decision-Making in UNESA Business Education Students
This study examines the relationship between career adaptability and career anxiety through the mediating role of career decision-making self-efficacy among undergraduate business education students. Drawing on Career Construction Theory and Social Cognitive Career Theory, the study addresses the limited understanding of how adaptive career resources are translated into reduced career anxiety through confidence in career decision-making. A quantitative explanatory design was employed, and all members of the target population were included to ensure comprehensive representation of the study context. Data were collected using a structured questionnaire and analyzed through path analysis. The findings demonstrate that career adaptability reduces career anxiety both directly and indirectly through career decision-making self-efficacy. Students with stronger adaptive capacities tend to develop greater confidence in making career decisions, which subsequently alleviates career-related anxiety. This study extends career development literature by clarifying the psychological mechanism linking adaptability and anxiety, while offering practical implications for higher education institutions in designing interventions that strengthen students’ career readiness, decision-making confidence, and resilience in navigating an increasingly uncertain labor market.
Career Adaptability, Career Decision-Making Self-Efficacy, Career Anxiety, University Students, Career Development
Reframing Undergraduate Economics Education through an Integrated Active and Engaging Learning Model: A Classroom Action Research Study
This study examines the implementation and effects of the Integrated Active and Engaging Learning Model (IAELM) in undergraduate economics education at a public university in Indonesia, addressing a critical gap where prior studies document active learning benefits but rarely explain how iterative pedagogical refinement improves achievement in lecture-dominated contexts. Using a Classroom Action Research design, the study involved 42 students across three action cycles over one semester, integrating quantitative and qualitative evidence from formative tests, structured observations, and reflective journals. Results show a systematic shift from passive to participatory learning, with mean achievement rising from 62.4 to 81.7, mastery attainment increasing from 38% to 85%, and observable engagement and interaction strengthening across cycles. Performance gains accelerated after instructional stabilization and learner adaptation, suggesting cumulative rather than immediate effects of student-centered learning. The study demonstrates that structured active-engaging pedagogy can measurably improve learning outcomes and participation in economics education, offering a practical model for lecturers seeking to redesign classroom practice while contributing to a clearer process-based understanding of instructional improvement in higher education contexts.
active learning; economics education; classroom action research; student-centered pedagogy; learning engagement
From Memorizing to Meaning-Making: Transforming Introductory Economics through Case-Based and Problem-Based Learning in Indonesian Teacher Education
This study addresses persistent problems of limited conceptual understanding and low learning engagement in introductory economics by examining the implementation of an integrated Case-Based Learning and Problem-Based Learning (CBL–PBL) approach within an Economic Education program at Universitas Sebelas Maret, Indonesia. Grounded in constructivist and student-centered learning theory, the research evaluates whether this pedagogy improves students’ mastery of economic concepts, learning engagement, academic performance, and lecturers’ pedagogical effectiveness. A classroom-based design-based action research design was employed involving forty-eight first-semester students across two iterative instructional cycles using authentic economic cases, collaborative inquiry, and facilitator-guided reflection. Data were collected through validated pre- and post-tests, structured observations, and lecturer performance rubrics, and analyzed using descriptive statistics, normalized gain, and effect size measures. Findings indicate substantial improvements in conceptual mastery, rising from negligible baseline levels to more than three-quarters of students achieving proficiency, accompanied by significant growth in engagement and instructional facilitation quality. The results suggest that CBL–PBL supports deep conceptual restructuring rather than surface-level achievement. The study contributes theoretically by reinforcing constructivist problem-oriented pedagogy and practically by offering an evidence-based instructional model for higher education in Global South contexts.
case-based learning, problem-based learning, introductory economics, economic education, conceptual understanding
How Scientific Learning Shapes Creativity and Academic Achievement in Secondary Economic Education
This study examines how a scientific learning approach enhances student creativity and academic achievement in economic education within the Economic Education Program at Universitas Lampung. Moving beyond conventional outcome-focused classroom action research, it employs a reflective cyclical design across three instructional cycles to capture pedagogical transformation through planning, enactment, observation, and critical reflection. Data from learning engagement, academic performance, and student creative outputs reveal a consistent improvement in conceptual mastery, participation, and product originality. The findings demonstrate that structured inquiry and iterative feedback—rather than mere procedural repetition—function as key mechanisms enabling active knowledge construction and higher-order thinking. The study’s novelty lies in conceptualizing scientific learning as an adaptive-reflective pedagogical system and providing context-sensitive evidence from economic education in the Global South, a setting underrepresented in prior research. Practically, the results suggest integrating inquiry-based cycles, reflective assessment, and creativity-oriented tasks into curriculum design, while strengthening teacher education through training in adaptive pedagogy, feedback literacy, and reflective instructional practice to improve learning quality and student creative capacity.
scientific learning; economic education; student creativity; academic achievement; reflective pedagogy
Inquiry-Based Learning in Cooperative Economics: Examining Cognitive and Affective Learning Responses
This study examines how Inquiry-Based Learning (IBL) shapes student learning responses within undergraduate economics teacher education, specifically in cooperative economics courses. Drawing on constructivist learning theory and active learning literature, the study explores cognitive, affective, and behavioral dimensions of student responses to IBL implementation. Adopting a mixed-method descriptive design, qualitative data were obtained through classroom observations, semi-structured interviews, and document analysis involving 32 students in the Economics Education Study Program at Universitas Sriwijaya. Quantitative support was derived from a structured observational rubric measuring participation, inquiry engagement, and learning autonomy, generating an overall responsiveness score of 85.51%. The findings indicate consistently positive student responses, reflected in stronger engagement, deeper conceptual comprehension, and enhanced self-directed learning. By evidencing how inquiry-oriented pedagogy fosters meaningful learning beyond transmissive instruction, this study contributes to the expanding discourse on student-centered approaches in economics education. The results provide pedagogical implications for strengthening critical and reflective engagement in cooperative economics within emerging higher education contexts, particularly in preparing future economics teachers.
inquiry-based learning; economics education; cooperative economics; student learning responses; pre-service teacher education
Reframing Conceptual Mastery in Financial Education: Digital STAD and Cognitive Engagement
Despite the expanding adoption of active and technology-mediated learning in economics education, robust empirical evidence on how digitally supported cooperative designs enhance conceptual mastery remains limited, particularly in teacher-education settings. This study investigates the pedagogical and cognitive effects of integrating the Student Teams Achievement Division (STAD) model with digital media on students’ understanding of money and financial institutions. Using a classroom-based quasi-experimental approach across iterative instructional cycles, data were obtained from structured observations of cognitive engagement and standardized assessments administered to undergraduate economics education students. The results indicate consistent gains in active learning participation and conceptual comprehension, reflected in progressively higher post-intervention scores. These findings suggest that digitally mediated cooperative learning can strengthen engagement and promote deeper conceptual processing. However, the study is constrained by its single-institution context, modest sample size, and quasi-experimental design, which limit causal generalization. The study extends cooperative learning into digital pedagogical environments and offers cautious implications for redesigning concept-focused instruction in higher education economics.
digital cooperative learning; conceptual mastery; economics education; STAD; technology-enhanced pedagogy
Implementation of the Coaching Clinic Method for Phase F Vocational School Students Majoring in Accounting to Improve Industry Competence
Industrial competence remains a persistent challenge in vocational accounting education, particularly in Phase F where alignment between school-based learning and workplace expectations is often weak. Prior studies have largely emphasized technical instruction, offering limited empirical evidence on coaching-oriented pedagogies grounded in experiential and competency-based learning. Addressing this gap, this study investigates the effect of the Coaching Clinic method a practice-oriented, feedback-intensive learning approach informed by experiential learning and workplace learning theory on students’ industrial competence, conceptualized as the integration of technical accounting proficiency, problem-solving ability, professional communication, and work discipline. A quasi-experimental Non-Equivalent Control Group Design was employed involving two Grade 11 accounting classes at a public vocational school in Indonesia (N=approximately two intact classes). Comparative analysis using N-Gain and independent t-tests indicates that the experimental group demonstrated substantially greater competence development than the control group, suggesting meaningful pedagogical impact beyond statistical significance. However, findings should be interpreted within the contextual limits of a single institutional setting. This study contributes empirical evidence on coaching-based vocational pedagogy and highlights the Coaching Clinic method as a structured bridge between classroom instruction and industry-oriented competence formation, offering implications for strengthening practice-based vocational curriculum and school–industry learning integration.
Coaching clinic, conventional learning, learning outcomes, vocational accounting school, industry competencies
Development of a Model for the Intention to Purchase Environmentally Friendly Products Through Green Brand Image Mediation: A Case Study of Generation Z in Indonesia
This study investigates the influence of green advertising and green product innovation on green brand image and their impact on green purchase intention among Generation Z consumers in Indonesia. Grounded in the Theory of Planned Behavior, the study extends green consumption research by positioning green brand image as a mediating mechanism that connects sustainability-oriented marketing strategies with consumers’ pro-environmental behavioural intentions. Prior TPB-based studies largely emphasize attitudinal and normative determinants, while limited attention has been given to marketing-driven signals, such as green advertising and product innovation in shaping behavioural intention through brand perception, particularly among Generation Z in emerging economies. Using a survey of 250 Generation Z respondents analysed with Structural Equation Modelling, the results show that green advertising and green product innovation significantly strengthen green brand image, which subsequently increases green purchase intention. Green brand image also partially mediates these relationships. The findings refine TPB-based green consumption models by highlighting the strategic role of brand perception in translating sustainability marketing efforts into green purchasing behaviour and provide implications for firms in designing credible green communication and innovation strategies.
green advertising; green product innovation; green brand image; green purchase intention; Generation Z
Mapping Adaptive Learning Research and Its Contribution to SDG 4
This study conducts a decade-long bibliometric analysis to critically map the intellectual structure, thematic evolution, and collaboration patterns within adaptive learning research. The study addresses a key gap in prior literature, where existing reviews remain predominantly narrative and fragmented, limiting systematic understanding of how adaptive learning has evolved conceptually and methodologically. Using the Scopus database, 14,009 records were initially identified, of which 141 articles met rigorous inclusion criteria. Bibliometric analysis was performed using Bibliometrix and Biblioshiny, incorporating co-authorship analysis, co-citation mapping, keyword co-occurrence, and thematic evolution techniques to ensure analytical depth and methodological robustness. The findings reveal three dominant knowledge clusters: technology-driven personalization, data-informed learning optimization, and pedagogical integration of adaptive systems. Influential authors, leading journals, and emerging research fronts highlight a shift from system development toward learning effectiveness and equity-oriented implementation. Collaboration networks indicate increasing internationalization but uneven scholarly connectivity across regions. This study contributes by providing a consolidated intellectual map, identifying emerging trajectories, and clarifying theoretical and methodological directions for future research. The findings offer practical implications for designing evidence-based adaptive learning strategies and inform policy and research agendas in data-driven education.
adaptive learning; bibliometric analysis; research trends; knowledge mapping; data-driven education
Lecturer Performance, Self-Efficacy, and Knowledge Sharing: A Mediating Effect of Perceived Organizational Support
This study uses perceived organizational support (POS) as a mediating variable in a private institution to investigate how self-efficacy and knowledge sharing affect professor performance. 240 lecturers from 16 private universities in Palembang City were surveyed as part of this study's quantitative technique, which was chosen by stratified random sampling. Through LISREL, structural equation modeling, or SEM, was used to analyze the data. The results show that while self-efficacy has no direct impact on lecturer performance, it has a favorable and significant impact on POS. On the other hand, it has been demonstrated that information exchange considerably and favorably affects lecturer performance, but not perceived organizational support (POS). Concurrently, it has been demonstrated that POS mediates the relationship between self-efficacy and lecturer performance and considerably enhances lecturer performance; however, it does not mediate the relationship between performance and knowledge sharing. These results validate the importance of organizational support in maximizing individual contributions, especially in boosting knowledge-sharing behavior and self-efficacy. According to this study, private institutions should enhance organizational support systems that can boost self-esteem and promote a knowledge-sharing culture in order to maximize the effectiveness of the Tri Dharma of Higher Education.
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Artificial Intelligence’s Role in Enhancing MSMEs Revenue through Digital Promotion
Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the global economy but face challenges in effectively leveraging artificial intelligence (AI)-based digital marketing. This study aims to analyze the effects of automation, personalization (PER), and advertising efficiency (EFF) on marketing performance (MP) and their implications for MSME revenue (REV). Data were collected through a cross-sectional survey of 95 MSMEs in North Sumatra that have adopted AI-based digital promotions. The questionnaire consisted of 25 indicators covering five constructs: AUT (5 items), PER (5 items), EFF (5 items), MP (5 items), and REV (5 items). The analysis was conducted using SEM-PLS. The results indicate that AUT (p = 0.000), PER (p = 0.011), and EFF (p = 0.000) significantly influence MP but do not have a direct effect on REV (p > 0.05). In contrast, MP (p = 0.000) serves as a key mediator, channeling the benefits of AI-based strategies into revenue growth. The research model explains 51% of the variance in Marketing Performance and 29.8% of the variance in Revenue. These findings underscore that the impact of AI on MSME revenue is indirect, occurring through enhanced marketing effectiveness, customer engagement, and promotional innovation. The implications suggest that strengthening digital capabilities, visionary leadership, and adequate technological infrastructure are prerequisites for MSMEs to fully exploit AI potential. Therefore, an integrated AI-based marketing strategy can enhance both competitiveness and financial performance of MSMEs in the digital era.
The Effect of Financial Literacy, Income, Financial Self-Efficacy, and Locus of Control on the Financial Management
This study aims to determine the influence of financial literacy, income, financial self-efficacy and locus of control on students' financial management behavior. This study uses a quantitative method. The population used in this study were students of the Accounting Study Program, Faculty of Vocational Studies, Yogyakarta State University. Sampling was carried out using a purposive sampling technique of 100 respondents. The data collection method used a questionnaire distributed online. This study uses multiple linear regression analysis techniques with SPSS 26 software. The results of the study show that (1) Financial literacy has a significance value of 0.000 < 0.05, which means that financial literacy has a positive effect on students' financial management behavior. (2) Income has a significance value of 0.031 < 0.05, which means that income has a positive effect on students' financial management behavior. (3) Financial self-efficacy has a significance value of 0.000 < 0.05, which means that financial self-efficacy has a positive effect on students' financial management behavior. (4) Locus of control has a significance value of 0.022 < 0.05, which means that locus of control has a positive effect on students' financial management behavior.
The Influence of Financial Literacy and Religiosity on Students’ Investment Decisions: A Comparative Study between Boarding School and Non-Boarding School Students
This study aims to analyze the influence of financial literacy and religiosity on investment decisions, and to compare the differences in these influences on Islamic boarding school students and non-Islamic boarding school students in Surakarta City. This study is a quantitative study with a sample of 165 university students in Surakarta City, both with and without an Islamic boarding school background. Data collection techniques used tests and questionnaires in the form of Google Forms. Data analysis techniques used descriptive analysis, normality tests, linearity tests, multicollinearity tests, heteroscedasticity tests, and multiple linear analysis. The results of this study indicate that 1) financial literacy has a positive and significant effect on investment decisions, obtaining a regression coefficient of 0.574 and a calculated t of 2.286. The calculated t value > t table (2.286 > 1.974) and a significance value of 0.024 is smaller than 0.05 (0.024 < 0.05); 2) religiosity has a positive and significant effect on investment decisions, obtaining a regression coefficient of 0.271 and a calculated t of 4.221. The calculated t value > t table (4.221 > 1.974) and the significance value of 0.000 is smaller than 0.05 (0.024 < 0.05). 3) Islamic boarding school students have a greater influence on investment decisions than non-Islamic boarding school students, obtaining a determination coefficient (R²) of 0.505 and non-Islamic boarding school students of 0.396.
Heyzine-Based Interactive E-Module to Improve Students' Understanding in Vocational High Schools
This study aims to provide an overview of the use of Heyzine-based interactive e-modules to enhance students’ understanding in Vocational High Schools (SMKs). A quantitative descriptive approach employing a case study method was applied in this research. The participants consisted of 20 VHS students selected through a purposive sampling technique. Data were collected using multiple-choice tests, interviews, and observations. The findings revealed that the use of interactive e-modules in learning activities significantly improved students’ average learning outcomes from 55 to 89.5. This improvement reflects the students’ enhanced ability to solve problems related to service company materials. Moreover, the integration of interactive e-modules fostered more engaging and active learning experiences, aligning with the principles of the Kurikulum Merdeka, which emphasizes student-centered and enjoyable learning. Overall, the results indicate that interactive e-modules are effective in improving students’ understanding and learning outcomes. These findings offer valuable insights for the development and implementation of innovative, technology-enhanced learning media designed to enhance instructional quality and learning effectiveness in SMKs.
Price and Service Quality as Determinants of Customer Loyalty: Evidence from Warung Kopi Alkautsar
Customer loyalty reflects a customer’s commitment to repurchase products or services. This study analyzes the influence of price and service quality on customer loyalty at Alkautsar Grong-Grong Coffee Shop. Using a quantitative approach, data were collected through questionnaires from 80 respondents determined by the Slovin formula (5% error margin) from a population of 100 customers. Data analysis involved classical assumption tests, multiple linear regression, and hypothesis testing using t-test, F-test, and the coefficient of determination (R²). The results show that price significantly affects customer loyalty with t-value 4.802 > t-table 1.99125 and sig. 0.000 < 0.05. Service quality also significantly affects loyalty with t-value 5.510 > t-table 1.99125 and sig. 0.000 < 0.05. Simultaneously, price and service quality influence loyalty with F-value 20.862 > F-table 3.12 and sig. 0.000 < 0.05. The R² value of 0.334 (33.4%) indicates that customer loyalty is explained by price and service quality, while 66.6% is influenced by other factors. Thus, competitive pricing and superior service quality enhance customer loyalty.
The Influence of Family Economic Education, Income, and Lifestyle on the Financial Management Behavior of Housewives in Balesono Village
This study examines the influence of Family Economic Education, Income, and Lifestyle on the Financial Management Behavior of Housewives in Balesono Village, Ngunut, Tulungagung. The population was about 940 housewives, with a sample of 280 randomly selected respondents (Slovin formula, α=5%). Using associative correlation quantitative methods and data analysis with SPSS 23.0, it was found that: (1) Family Economic Education had a significant effect; (2) Income has a significant impact; (3) Lifestyle has a significant effect; (4) The three variables (Family Economic Education, Income, Lifestyle) simultaneously have a significant effect on the Financial Management Behavior of Housewives in Balesono Village.
Environmental, Social, and Governance (ESG) Disclosure Application to Company Profitability and Value
This study examined the impact of ESG disclosure implementation on manufacturing companies and their profitability, with capital structure as a mediating variable. This gap in research is due to several inconsistent findings with previous studies on the relationship between ESG disclosure and company performance, particularly in emerging markets like Indonesia. This study used quantitative analysis and PLS-SEM to examine 42 companies listed on the Indonesia Stock Exchange from 2018 to 2024. The results indicate that environmental, social, and governance disclosures positively affect company profitability, mediating the relationship between capital structure and ESG disclosure. These findings will contribute to understanding how ESG implementation affects company performance in emerging markets and provide practical insights for companies implementing ESG practices. These findings contribute to understanding the dynamics of ESG implementation in emerging markets, highlighting the influence of each ESG component on company performance. This study also emphasizes the importance of strategic alignment between sustainability initiatives and corporate financial management to optimize performance in the face of the ever-changing business landscape in Indonesia.
Analysis of Village Government Service Quality in Efforts to Improve Community Satisfaction
This study is motivated by the unsatisfactory quality of public services provided by the village government, which is perceived as lacking in promptness and responsiveness. Additionally, there is limited availability of information regarding the requirements and procedures for managing population-related documents. This research adopts a descriptive qualitative approach. The focus of the study is the quality of public services in Tutup Village, Tunjungan Sub-district, Blora Regency, particularly in efforts to improve community satisfaction. Data were collected through interviews, documentation, and observation. To assess service quality, five dimensions were employed: (1) Tangible, referring to the condition of infrastructure and room comfort; (2) Reliability, related to staff competence and service appropriateness; (3) Responsiveness, covering service duration and operating hours; (4) Empathy, which includes the provision of solutions and the level of public education and outreach; and (5) Assurance, referring to staff friendliness and service costs. The findings indicate that the quality of services provided by the government of Tutup Village has been implemented adequately. However, improvements in supporting facilities and infrastructure are still needed to optimize the outcomes of the services delivered to the community.
The Impact of Academic Support, Parental Support, and Peer Support on the Entrepreneurial Interest of Students with Special Needs at SLB Negeri Semarang
This study investigates how academic support, parental support, and peer support influence entrepreneurial interest among students with special needs at the senior secondary special education level (SMALB) in Indonesia. Grounded in Ecological Systems Theory, the study addresses a notable gap in entrepreneurship research, which has largely overlooked the entrepreneurial development of students with special needs, particularly within supportive social and educational ecosystems. A quantitative approach was employed using a population of 136 students and a sample of 101 respondents. Data were collected through structured questionnaires and analyzed using descriptive statistics and multiple linear regression. The findings reveal that academic support has a significant positive effect on entrepreneurial interest (10.43%), followed by parental support (5.29%), while peer support shows no significant influence. These results highlight the central role of proximal institutional and family environments in fostering entrepreneurial orientation among students with special needs, whereas peer interaction appears less directly connected to entrepreneurial motivation in this context. The study contributes to the entrepreneurship and special education literature by emphasizing the ecological nature of entrepreneurial interest formation and the importance of inclusive educational and family-based empowerment strategies to support entrepreneurial pathways for students with special needs.
students with special needs, academic support, parental support, peer support, entrepreneurial interest
The Impact of the Entrepreneurial Education Ecosystem, Self-Efficacy, and Outcome Expectations on Entrepreneurial Career Interest Among Students
Entrepreneurial career intention among university students in developing economies remains relatively low, while prior research has predominantly emphasized individual determinants and insufficiently integrated the comprehensive role of the entrepreneurship education ecosystem. This study aims to examine the effect of the entrepreneurship education ecosystem on students’ entrepreneurial career intention through the mediating roles of self-efficacy and outcome expectations. A quantitative survey design was employed involving 314 undergraduate students from the Faculty of Economics and Business, Universitas Negeri Semarang, selected using proportional random sampling. Data were analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal that the entrepreneurship education ecosystem has a positive effect on both self-efficacy and outcome expectations. Furthermore, self-efficacy and outcome expectations significantly and positively influence entrepreneurial career intention. The entrepreneurship education ecosystem also demonstrates an indirect effect on entrepreneurial career intention through these two mediating variables. This study highlights the critical role of strengthening the entrepreneurship education ecosystem as a mechanism for shaping students’ confidence and perceived benefits, thereby fostering stronger entrepreneurial career orientation.
entrepreneurial education ecosystem, self-efficacy, outcome expectations , entrepreneurial career interest
Development of Quizwhizzer Gamification Media in Bank Financial Industry Learning on Students' Learning Outcomes
This study aims to develop gamification-based learning media using QuizWhizzer on the topic of the Bank Financial Industry. The research uses a Research and Development (R&D) approach with the 4D development model, which includes Define, Design, Develop, and Disseminate stages. The research subjects were Grade X students of SMAN 3 Banjarmasin enrolled in Economics, specifically in the topic of the banking financial industry. The sampling technique used was purposive sampling, involving 36 students per class. Data collection techniques included expert validation questionnaires, student response questionnaires, and learning outcome tests (pre-test and post-test). Data analysis techniques included validity analysis by media and material experts, practicality analysis based on student responses, and effectiveness analysis using the N-Gain formula to measure learning improvement. The results showed that the developed media was considered valid by experts, practical according to student assessments, and effective in improving learning outcomes, with an average N-Gain score of 0.7468, which falls into the high category. These findings highlight the importance of integrating digital learning media to enhance students’ academic performance. It is recommended that teachers adopt interactive and gamified learning platforms like QuizWhizzer to improve student understanding, engagement, and knowledge retention, leading to better overall learning outcomes in economics education.