Jurnal Inovasi Pendidikan Ekonomi (JIPE) ISSN: 2621-5624 (Electronic), 2302-898X (Print) is a scientific journal devoted to the publication of original papers published by Universitas Negeri Padang in collaboration with Aliansi Pendidik dan Praktisi Bisnis Indonesia (APSIBI), Aliansi Profesi Pendidik Akuntansi Indonesia (APRODIKSI) and Asosiasi Profesi Pendidik Ekonomi Indonesia (ASPROPENDO). It is a peer-reviewed and open access journal of economics and education studies. JIPE accept manuscript in English and Bahasa Indonesia. Researchers and academics who have an interest in learning innovations, improving learning materials, strategies, and educational evaluations in the fields of economics and education, business, commerce, office administration and cooperative studies can participate in publishing their articles in this journal. Since 2018, this journal has become an open access peer-reviewed online journal published by Universitas Negeri Padang. This journal is published twice a year in online version. Indexed by: Dedicated to: Support with your personal ID:
The Influence of Fear of Missing Out (FoMO) and Impulsive Buying on Financial Management Behavior among University Students
Financial management behavior has become a crucial issue among college students, particularly in the digital era where social media can influence consumption decisions. This study examines the relationship between Fear of Missing Out (FoMO), impulsive buying, and financial management behavior among students of the Faculty of Economics and Business, Padang State University. A quantitative approach was adopted using purposive sampling. This study used a quantitative approach with a population of 3,163 active students at the Faculty of Economics and Business, Padang State University, involving 97 respondents. Data were analyzed through path analysis with IBM SPSS Statistics. The results showed that FoMO and impulsive buying did not significantly influence financial management behavior. Instead, FoMO was found to significantly increase impulsive buying, while the indirect effect of FoMO on financial management behavior through impulsive buying was not supported. The proposed model explained 35.2% of the variance in impulsive buying and 3.8% of the variance in financial management behavior. These findings suggest that FoMO primarily influences consumption-related behavior rather than financial management behavior. Therefore, strengthening financial literacy should be complemented by educational initiatives that increase students' awareness of the psychological factors that influence consumption decisions.
Copyright (c) 2026 Jurnal Inovasi Pendidikan Ekonomi
The Impact of Foreign Direct Investment (FDI) and Domestic Direct Investment (DDI) on Gross Regional Domestic Product (GRDP) in Sumatra Island
This study is motivated by persistent disparities in economic growth among the provinces of Sumatra, which are presumably linked to the unequal distribution of Foreign Direct Investment (FDI) and Domestic Direct Investment (DDI). Previous studies have yielded inconsistent results; some combined FDI and DDI into a single variable over a limited period, thereby preventing an analysis of the individual contribution and significance of each investment type. This study addresses this gap by examining the effects of FDI and DDI, both individually and simultaneously, on the regional Gross Domestic Product (GDP) of Sumatra between 2016 and 2025, testing Harrod-Domar and Keynesian investment theories in a regional context. This quantitative associative study utilises secondary panel data covering all 10 provinces of Sumatra from 2016 to 2025 (100 observations), obtained from the Indonesian Investment Coordinating Board (IAC) and the Central Statistics Agency (BPS). The data were analysed using panel data regression via the Random Effects Model (REM), selected based on Chow, Hausman, and Lagrange Multiplier tests. The results indicate that FDI does not have a significant effect on GDP (coefficient = 0.0011; probability = 0.9649), whereas DDI shows a positive and significant effect (coefficient = 0.1774; probability = 0.0000). When considered simultaneously, FDI and DDI have a positive and significant impact on regional GDP, with an F-statistic of 53.579 and an adjusted R-squared of 0.515; this suggests that, together, both variables explain 52.4% of the variation in regional GDP across Sumatra. By treating FDI and DID as distinct variables over an extended period and across provinces, this study clarifies the respective roles of each and highlights the need for policies that enhance FDI effectiveness while sustaining domestic investment growth.
The Impact of Formative Assessment and Feedback on Student Engagement in an Economics Course
Low student engagement, characterized by poor academic performance and widespread truancy, is a global challenge exacerbated by the dominance of conventional teaching methods. As an intervention, this study aims to analyze the effect of the quality of formative assessment and assessment feedback, both individually and simultaneously, on student engagement in economics classes. Using a quantitative associative-causal approach, data were collected via a questionnaire administered to a sample of 112 Phase E students at SMA Negeri 1 X Koto, selected through proportional stratified random sampling. The data were then analyzed using multiple linear regression. The results of the hypothesis testing confirmed that the quality of formative assessment and assessment feedback, when considered simultaneously, significantly enhanced student engagement (R² = 0.664, F = 107.546, p < 0.001). Partially, both variables also made positive and significant contributions, with formative assessment (β = 0.237, t = 2.147, p = 0.034, 95% CI [0.020, 0.505]) and assessment feedback (β = 0.601, t = 5.457, p < 0.001, 95% CI [0.261, 0.560]) each showing a significant effect, with assessment feedback emerging as the most dominant variable in enhancing student engagement in the classroom. This study concludes that the use of periodic evaluation instruments and the provision of constructive feedback can create an interactive classroom environment, thereby effectively transforming students from passive listeners into proactive and independent learners.
The Effect of Social Support on Academic Procrastination among University Students: The Mediating Roles of Intrinsic Learning Motivation and Resilience
Academic procrastination remains a common challenge in higher education, as it can lower academic achievement, reduce student engagement in the learning process, and delay the completion of studies. This study aims to analyze the effect of social support on academic procrastination among students at Universitas Negeri Padang by testing the mediating roles of intrinsic motivation to learn and resilience. This study utilized a quantitative approach with an explanatory design. A total of 396 students were selected through proportional random sampling from a population of 35,830 active undergraduate students. Data were collected using an online questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results showed that social support had a significant negative effect on academic delay (β = −0.276, p < 0.001) and a positive effect on intrinsic learning motivation (β = 0.587, p < 0.001) and resilience (β = 0.504, p < 0.001). In addition, intrinsic learning motivation (β = −0.329, p < 0.001) and resilience (β = −0.219, p < 0.001) were also found to reduce academic procrastination. Indirect effect analysis confirms that these two variables mediate the relationship between social support and academic procrastination. In other words, students who receive greater social support tend to have higher levels of intrinsic motivation and resilience, making them better able to avoid academic procrastination. These findings expand the application of Self-Determination Theory by demonstrating that social support influences academic procrastination through motivational and psychological mechanisms. The results of this study provide guidance for universities to strengthen students’ resilience in order to reduce rates of academic procrastination.
The Effect of Digital Literacy on Students' Learning Outcomes: The Mediating Roles of Learning Motivation and Self-Efficacy
Enhancing student learning outcomes in the digital age is a primary concern for contemporary vocational education, where digital competence is increasingly vital for scholastic success. This study investigates the influence of digital literacy on Informatics learning outcomes, specifically exploring the mediating roles of learning motivation and self-efficacy. Utilizing a quantitative framework, the research employed a purposive sampling technique to collect data from 102 students enrolled in the Office Management and Business Services (MPLB) and Digital Business and Marketing (BDP) programs at SMK Negeri 2 Bukittinggi. The collected data were analyzed via Structural Equation Modeling–Partial Least Squares (SEM-PLS) using SmartPLS 4.0. Empirical results reveal that digital literacy exerts a direct, positive, and significant effect on Informatics learning outcomes. Furthermore, digital literacy demonstrates a positive influence on both learning motivation and self-efficacy. Notably, both motivation and self-efficacy were found to significantly mediate the connection between digital literacy and academic results. These findings underscore the critical role of digital literacy in academic attainment, suggesting that pedagogical strategies in vocational institutions should incorporate methods that foster psychological engagement to maximize student outcomes in an increasingly digital educational landscape.
Peer Influence and Self-Efficacy on College Interest: The Mediating Role of School Environment in Vocational High School Students
This study aims to analyze the prediction of higher education intentions among vocational students: assessing the mediating role of the school environment on self-efficacy and peer relationships. The research method used is quantitative and uses path analysis. The study population was grade XII students of SMK Negeri 3 Tangerang City, with a sample of 202 respondents selected through probability sampling techniques. Data collection was conducted using a questionnaire. The results show that peers have an effect on their interest in continuing their studies. The results show that self-efficacy affects the interest in continuing college. The academic setting significantly predicts further education interest. This indicates confirming that the indirect path from peer surroundings to college intention is statistically insignificant. That self-efficacy does not have an indirect effect on the interest in continuing college through the school environment. Therefore, peers and self-efficacy are important factors in shaping interest in continuing their studies, while the role of the school environment in this context is not strong enough to exert a meaningful influence. These findings emphasize the importance of strengthening students' social interactions and self-confidence in increasing educational aspirations. This new research adds the school environment as a mediating variable, which provides new insights into solving the problem of students' inclination towards post-secondary education.
Technology Acceptance, Perceived Risk, and QRIS Purchase Intention: A Gender Comparison Among Generation Z College Students
This research investigated the influence of technology acceptance and perceived risk on purchase intention toward QRIS and investigated the possible difference between genders among undergraduate students. A quantitative approach was used with data collected from 374 respondents through an online questionnaire. Respondents were obtained by multistage sampling and the data was analyzed by multiple linear regression and independent-samples t-test using IBM SPSS Statistics version 25. The analysis showed that technology acceptance has a positive and significant effect on purchase intention. whereas perceived risk showed a significant but comparatively weaker negative relationship. Collectively, the two variables explained a substantial proportion of the variation in purchase intention. In addition, no significant gender differences were identified in technology acceptance, perceived risk, or purchase intention. The overall findings suggested that male and female students in Generation Z responded to QRIS in remarkably similar ways, reflecting an increasingly gender-neutral pattern of digital payment adoption.
Exploring the Impact of Intellectual Capital on University Students’ Digital Innovation Intentions: The Mediating Role of Digital Literacy in Indonesia
The rapid expansion of the digital economy has increased the need for graduates who are capable of initiating digital innovation. However, educated unemployment remains a persistent challenge in Indonesia, suggesting that intellectual resources alone may not be sufficient to foster innovation-oriented intentions. This study examines the effects of knowledge and skills, networking, and opportunity recognition on the intention to start digital innovation, with digital literacy as a mediating variable. A quantitative survey was conducted among 334 university students from various higher education institutions in Indonesia. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that opportunity recognition significantly influences both digital literacy and intention to start digital innovation, while knowledge and skills significantly enhance digital literacy but do not directly affect innovation intention. Networking was found to have no significant effect on either digital literacy or innovation intention. Digital literacy significantly influences intention to start digital innovation and fully mediates the relationship between knowledge and skills and innovation intention, while partially mediating the effect of opportunity recognition. These findings highlight digital literacy as a critical capability-conversion mechanism through which intellectual capital is transformed into innovation-oriented intentions. The study extends Intellectual Capital Theory by emphasizing the role of digital literacy in converting intellectual resources into digital innovation intentions among university students.
The Impact of Digital Financial Literacy on Financial Behaviour and Financial Well-Being of Rural Millennials
This study investigates the role of digital financial literacy in shaping the financial well-being of millennials residing in rural areas of West Java, with financial behaviour serving as a mediating variable. Employing a quantitative explanatory survey design, data were collected from 315 millennial respondents and analysed using descriptive statistics and path analysis. The findings reveal that digital financial literacy exerts a significant but negative effect on both financial behaviour and financial well-being. Financial behaviour is also found to significantly influence financial well-being, indicating that higher engagement with financial activities does not necessarily translate into improved financial outcomes. These results suggest that increased exposure to and understanding of digital financial services may encourage consumptive practices and over-reliance on digital credit when not accompanied by prudent financial management. The study highlights that digital financial literacy alone is insufficient to enhance financial well-being unless it is integrated with responsible financial behaviour and effective risk awareness. Consequently, targeted financial education and stronger regulation of digital financial services are essential to improving the long-term financial well-being of rural millennials.
The Influence of Service Quality, Product Quality and Promotion on Sales Volume at Jenggong Café
As lifestyles shift alongside broader social and economic developments, the business landscape also changes one sector notably influenced is the coffee industry. Given Indonesia’s relatively high level of coffee consumption, many entrepreneurs have seized the opportunity to establish coffee shops. However, to remain competitive, businesses need strategies that prioritize customer satisfaction. Customer satisfaction is shaped by how well services are delivered and how products meet the consumer expectation. the higher these qualities are perceived to be, the greater the potential for increased revenue. The present study explored the role of service quality, product quality, and promotion in driving changes in the sales volume. The study employs an associative quantitative approach, with the data collected from 100 respondents chosen through probability sampling technique at the Jagakarsa Seduh Coffee Shop. Data were analyzed using classical assumption tests, simple linear regression, correlation analysis, determination coefficient analysis, as well as partial and simultaneous hypothesis testing. The overall model is statistically significant, as evidenced by F-statistic of 96.052, which surpassed the critical threshold of 2.70 and was supported by a probability value of 0.000. Individual testing further confirmed that service quality (X1) exerts a significant effect, reflected by a t-statistic of 6.584 that exceeds the reference value of 1.664. Product quality (X2) yields a t value of 2.542 with significance 0.01. Promotion (X3) records a t value of 12.223 greater than 1.664 with significance 0.00.
Service Quality, Product Quality, Promotions and Sales Volume.
Copyright (c) 2025 Jurnal Inovasi Pendidikan Ekonomi
Digital Growth Mindset as a Catalyst for Team Collaboration and Communication Skills in Higher Education
This study aims to analyze the influence of Digital Growth Mindset (DGM), Digital Communication Skills (DCS), and Team Collaboration Skills (TCS) among Indonesian student’s, to assess how a digital growth mindset affects these crucial competencies in the digital age. The population of this study is all students in Indonesia, particularly in East Java and Central Java. The sampling technique used is purposive sampling. The sample size in this study is 214 respondents. The primary data was collected through an online questionnaire distributed via Google Forms. The quantitative data analysis technique used the Partial Least Squares (PLS-SEM) method. The study results show that DGM significantly enhances DCS and TCS, with moderate explanatory power. While other factors, such as prior digital experience, may contribute, the findings emphasize cultivating a growth-oriented mindset among students. The novel contribution of this study is exploring the role of DGM in the context of digital education in Indonesia, which is still limited in the literature, and demonstrating how a growth-oriented mindset can influence the skills that are highly needed in the digital era. This study opens opportunities for developing adaptive curricula to address digital challenges and encourages further research on factors influencing digital competencies in education
Digital Growth Mindset, Digital Communication Skills, Team Collaboration Skills, Digital Transformation, Digital Mindset.
Understanding Poverty from the Development of Unemployment and Illiteracy Rates
Poverty is a crucial problem that can affect various aspects of society. The large contribution of this variable is the basis for carrying out this research. Based on the theory, poverty itself is related to the illiteracy rate (IR) and unemployment, where these two factors can determine the conditions of poverty. In the research, NTT province was one of the research locations. This is based on economic conditions, where NTT is in the top 5 provinces with the highest levels in Indonesia. This research used secondary data for 18 years. Based on the data that has been collected and data quality tests (classical assumptions), results were obtained showing that unemployment and illiteracy rate have a positive and significant influence. Based on this picture, improving training and the quality of education is the right key to eradicating poverty
Poverty, Unemployment, Illiteracy Rate, Economy
Fostering Social Entrepreneurship from the Classroom: The Role of Entrepreneurial Attitude as a Mediator of Entrepreneurship Education
This study aims to examine the effect of entrepreneurship education on social entrepreneurship intention, with entrepreneurial attitude as a mediating variable, among vocational high school students in Cirebon City, Indonesia. The population of this study consisted of vocational high school students in Cirebon City, and a simple random sampling technique was used to obtain 195 respondents. Data were collected using a questionnaire and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to examine the relationships among entrepreneurship education, entrepreneurial attitude, and social entrepreneurship intention. The results indicate that entrepreneurship education has a positive effect on social entrepreneurship intention (H1), entrepreneurial attitude positively influences social entrepreneurship intention (H2), and entrepreneurship education has a positive impact on entrepreneurial attitude (H3). Furthermore, entrepreneurial attitude partially mediates the relationship between entrepreneurship education and social entrepreneurship intention. This study contributes to the literature by highlighting the mediating role of entrepreneurial attitude in linking entrepreneurship education to social entrepreneurship intention among vocational high school students, particularly in the context of social entrepreneurship. Practically, the findings suggest the importance of integrating social entrepreneurship values into vocational high school entrepreneurship curricula, along with implementing applied learning programs such as internships and entrepreneurship incubators to strengthen students’ social entrepreneurial attitudes.
Revitalizing Student Entrepreneurship Interest: Integrating Entrepreneurship Education, Campus Environment, and Creativity
Indonesia is endowed with abundant natural resources, including those in Malaka Regency, East Nusa Tenggara. However, these resources have not been fully utilized to stimulate entrepreneurial growth, as reflected in the low entrepreneurial interest among students. This study examines the influence of the campus environment, entrepreneurship education, and creativity on students’ entrepreneurial interest. A quantitative survey method was employed with a sample of 84 students from Malaka Regency, selected through non-probability incidental sampling. Data were collected using questionnaires and analyzed with multiple linear regression. The results indicate that, collectively, the campus environment, entrepreneurship education, and creativity significantly influence entrepreneurial interest, contributing 52%. Individually, creativity has a positive and significant effect, whereas the campus environment and entrepreneurship education do not show statistically significant effects. These findings underscore creativity as the most dominant factor in fostering entrepreneurial interest, while the campus environment and entrepreneurship education require further strengthening to become more effective.
Innovative Learning Media in the Era of Society 5.0: The Use of Wordwall Based on Local Wisdom of Batik Trusmi
This study was designed to measure the level of learning outcomes of students at MAN 1 Cirebon in economics subjects using Wordwall based on local wisdom Batik Trusmi, using the research and development (R&D) method with the ADDIE model quantitative approach. The research sample was the control class (X.10) of 33 students and the experiment class (X.12) of 29 students, taken using a purposive sampling technique. Data were obtained from observations, interviews, and questionnaires. Data analysis includes product validity testing by media experts, material experts, and practitioners, as well as calculation of N-Gain scores through pretests and posttests, practicality tests, and the Mann-Whitney U Test. The validity test results showed that the average score of the three experts was 91%. The N-Gain score of the control class is 0.62 (moderate improvement) and the experiment class is 0.75 (high improvement), p-value 0.046 (<0.05) there is a significant difference between the two classes, and the results of the practicality test of the control class are 71% (practical) and the experiment class is 85% (efficient). Based on the study results, it is concluded that Wordwall teaching media is more effective for improving student learning outcomes than conventional teaching media.
Innovative Learning Media, Wordwall, Local Wisdom of Batik Trusmi
Entrepreneurship Education and Green Entrepreneurial Intention: A Religious Perspective as a Moderating Variable
This paper aims to investigate the degree to which entrepreneurial education and religiosity affect green entrepreneurial intention and how religiosity moderates. This study used a quantitative method via a survey of 200 prospective teacher students at the Faculty of Economics and Business Education, Universitas Pendidikan Indonesia. The study uses SEM-PLS to evaluate the causal connections among the variables. The results show that students' green entrepreneurship intention is much influenced by entrepreneurial education and religiosity. Furthermore, enhancing this link depends on religion. The main contribution of this study is to show how religiosity affects students with higher levels of religiosity: those with more religiosity show a stronger connection between entrepreneurial education and green entrepreneurial intention. This data underlines the need of a whole approach in promoting sustainable entrepreneurship based on values and ethics. It also provides higher education institutions with practical consequences for creating entrepreneurial courses more inclusive of religious beliefs and sustainability, entrepreneurial programs should not just stress commercial skills but also develop ethical consciousness and social responsibility toward the environment. A fresh element and a new perspective on research on green entrepreneurial intention is added by the use of religiosity as a moderating variable in this study
Green Entrepreneurship, Entrepreneurial Education, Religiousity, Sustainable Development, SEM-PLS
The Influence Of Education, Income And Financial Socialization On Islamic Financial Literacy Of The Trangkil Community
This study aims to analyze the influence of education, income, and financial socialization on Islamic financial literacy of the community in Trangkil District, Pati Regency. The method used is descriptive quantitative with a survey approach through questionnaires to 100 respondents. Data were analyzed using multiple linear regression with the help of SPSS. The results show that education and financial socialization have a significant effect on Islamic financial literacy, while income has no significant effect. The coefficient of determination of 63.9% shows that the three variables together are able to explain Islamic financial literacy. The study also found that low financial socialization leads to a lack of public understanding of Islamic financial products. Therefore, it is necessary to increase education and disseminate Islamic financial information massively and evenly by institutions or the government to encourage financial literacy, especially the Trangkil community
Education, Income, Financial Socialization, Islamic Financial Literacy
Design and Development of Econoplay Based PowerPoint Media For Teaching on Market and Price Formation Concepts
Technological advances in education demand innovation in learning media to make it more interactive. Observations at SMA Negeri 3 Blitar show that the method of learning economics is still with conventional lectures and full text PowerPoint, so that student interest and understanding are low. This research is Econoplay, developing PowerPoint-based interactive learning media with animation, video, educational games, and QR-Code evaluation using the ADDIE model. The research method is quantitative with data collection through questionnaires. The results showed that material expert validation obtained 96.6% (very valid), media expert validation 98% (very valid), small group trial 91% (very feasible), and large group trial 92%, proving the effectiveness of Econoplay in increasing students' understanding and interest in learning. Thus, Econoplay is feasible to use as economic learning media in high school.
Share Split Effect On Trading Volume Activity and Abnormal Return In Indonesia
This research aims to identify and analyse if there is the difference in Trading Volume Activitiy and abnormal returns pre and post-share split event. The sample for this research consists of firms listed on IDX that have implemented a share split in 2019-2024. The research method used was the Shapiro-Wilk test for normality and the Wilcoxon signed rank test for difference between two variables. SPSS 27 software was used for data processing. Based on the outcomes of the Wilcoxon Signed Rank Test, it was found that there is a disparity in Trading Volume Activity prior to subsequent to the share split, which was indicated by an enhancement in the Trading Volume Activity value. For abnormal returns, differences were found pre and post share split, which was indicated by a positive abnormal return post share split.
The Role of Content Creators on Sharia Stock Investment Decisions in Gen-Z Mediated by Digital Financial Literacy
This study aims to examine the effect of the role of content creators on sharia stock investment decisions in generation-Z, with financial literacy as a mediating variable. This study involved generation-Z who live in the Ex-Karesidenan Pati area, which includes Pati, Rembang, Blora, Jepara, and Kudus regencies. The data collection process uses a questionnaire and data analysis techniques using the SmartPLS3 application. The research findings show that the role of content creators has a direct correlation with sharia stock investment decisions, the role of content creators has a significant positive effect on digital financial literacy, digital financial literacy has a significant positive effect on sharia stock investment decisions, and the mediation variable of digital financial literacy can mediate the effect of the role of content creators on sharia stock investment decisions. This research illustrates that the existence of content creators who have content about finance and investment is a party that plays a crucial role in making investment decisions today
Content Creator, Digital Financial Literacy, Sharia Stock
The Application of Wordwall-Based Digital Game-Based Learning to Improve Digital Etiquette Literacy, Learning Motivation, and Student Engagement
This research aims to test the application of the Wordwall-based Digital Game-Based Learning (DGBL) method on digital etiquette literacy, learning motivation, and student engagement in Economics lessons at SMAN 12 Tangerang Regency. This research is quantitative research with a quasi-experimental one-group pretest-posttest design. The research sample consisted of 50 students of class XI.13 at SMAN 12 Tangerang Regency, who were selected using a saturated sampling technique. The instruments used are questionnaires and questions designed based on literacy, motivation, and student involvement indicators. Data analysis used the paired sample t-test to measure differences in results before and after treatment. The research results show that Wordwall-based DGBL does not provide a significant difference in digital etiquette literacy showing a sig and amounting to 0.637 > 0.05, because the game design is less relevant to the context of students' lives. Furthermore, the wordwall-based digital game-based learning model provides a significant difference in learning motivation showing a sig value. Equal to 0.001 < 0.05. Apart from that, the wordwall-based digital game learning model also provides a significant difference in student engagement showing a sig value of 0.000 < 0.05. Wordwall-based Digital Game-Based Learning effectively increases student motivation and engagement, but it requires the development of real simulation-based game designs to support digital etiquette literacy
Digital Game-Based Learning, Wordwall, Digital Etiquette Literacy, Learning Motivation, Student Engagement