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Didit Darmawan; Abdullah Hilmi; Muhammad Bustanul Arifin

Teenage students in secondary school face a critical period in making career decisions, but many of them experience confusion and anxiety during this phase. This study aims to explore how self-efficacy and family support influence career decision-making among high school students or their equivalents. Qualitative research methods were used through a literature review, collecting data from various sources including journals, scientific studies, and related books. The results of the study show that self-efficacy significantly increases students' maturity and clarity in choosing their career paths. In addition, family support, both emotional and practical, plays an important role in increasing students' confidence and determination in choosing a career. The interaction between internal elements (self-efficacy) and external factors (family support) greatly influences the career decision-making process. This study highlights the importance of collaboration between schools and families in providing career guidance, social skills development, and effective communication so that students can make appropriate and realistic career decisions in line with their abilities and the demands of the job market. Students' willingness is shaped by internal influences such as self-efficacy and external influences such as family support. This study is important for understanding the role of these two factors in the career decision-making of high school students.

Aulia Putri Evindra; Kemala Rita; Sandra Dewi

International Journal of Economics, Management and Accounting 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Chronic Kidney Disease (CKD) is a growing global health concern that significantly affects patients’ quality of life. At Bhakti Asih General Hospital, Tangerang, the number of hemodialysis patients increased by 20.42% and dialysis procedures by 25.06% between 2023 and 2024. Despite this service expansion, preliminary findings revealed that 32% of patients reported poor quality of life, 31% experienced low engagement in care, 34% demonstrated low self-efficacy particularly in dietary and fluid management and 32% faced accessibility barriers. These findings indicate a gap between increased service volume and patient-centered outcomes. This study aimed to analyze the effects of patient engagement and self-efficacy on the quality of life of hemodialysis patients, with healthcare accessibility as a mediating variable. A quantitative cross-sectional design was employed. Active hemodialysis patients were selected using purposive sampling. Data were collected through structured questionnaires and analyzed using Structural Equation Modeling (SEM).The results demonstrated that patient engagement and self-efficacy had significant positive effects on quality of life, both directly and indirectly through accessibility. Accessibility also significantly influenced quality of life and strengthened the relationships between patient engagement, self-efficacy, and quality of life.These findings highlight the importance of integrating patient engagement strategies, strengthening self-efficacy through education, and improving service accessibility to enhance quality of life among hemodialysis patients

Devitra Rizkia; Rudi Ginting; Dian Galuh

Jurnal Manajemen dan Ekonomi Bisnis 2026 Pusat Riset dan Inovasi Nasional

Audit failure and inconsistencies in previous research results regarding the influence of auditor experience and self-efficacy on audit judgment serve as the main drivers of this study. This study aims to re-examine the relationship between auditor experience and self-efficacy on audit judgment at Public Accounting Firms in South Jakarta. Using a quantitative approach, this study employs purposive sampling techniques by distributing questionnaires as a data collection instrument, involving 70 auditors working at Public Accounting Firms in South Jakarta. The results of multiple linear regression analysis using IBM SPSS version 26 indicate that both auditor experience and self-efficacy have a positive and significant influence, both partially and simultaneously, on audit judgment. These findings provide evidence that improving auditors' work experience and self-confidence is crucial in producing high-quality audit decisions. This study offers new insights that can be used to enhance audit quality through the development of experience and strengthening auditors' self-efficacy. The findings are expected to contribute to better audit practices by focusing on factors that can improve auditors' ability to make accurate and effective judgments.

Nur Shafira Chairani; Nur Ainun Najwa; Suci Ameliya Kartika; Muhammad Ramadhani Kesuma

Jurnal Ekonomi dan Keuangan 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Personal financial management behavior has gained prominence amid economic globalization, digital transformation, and crisis-induced shifts that reshape individual decision-making, budgeting, saving, and risk practices. This study conducts a comprehensive bibliometric analysis to chart the intellectual structure, growth patterns, and future orientations of research in this domain. Drawing on 312 English-language publications from the Scopus database spanning 2000 to 2024, the analysis employs VOSviewer for co-authorship, keyword co-occurrence, and co-citation mapping, complemented by performance metrics on trends and productivity. Findings reveal a marked acceleration in scholarly output, particularly after 2020, driven by heightened attention to digital tools and resilience factors. Thematic clusters highlight progression from foundational literacy and demographic influences to psychological mediators (e.g., self-efficacy, attitudes) and outcomes centered on well-being and socialization. Geographic contributions concentrate in the United States and Indonesia, with strong Asia-Pacific networks, while productive authors form specialized collaborative hubs. The intellectual base integrates behavioral frameworks with empirical applications, underscoring interdisciplinary depth. These insights address fragmentation in prior work by providing a unified knowledge map, revealing gaps in cross-cultural integration and dynamic digital modeling. Implications extend to guiding targeted interventions for financial education and policy, fostering individual resilience in volatile environments. This synthesis supports scholars and practitioners in advancing evidence-based approaches to sustainable personal finance practices.

Alya Febbyyana Basuki; Irawan Irawan; Sri Astuti

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Presently, several micro, little, and medium firms (MSMEs) encounter more intricate difficulties in financial management, particularly concerning efficient capital planning and allocation.  Numerous business proprietors continue to struggle with the effective management of financial resources due to insufficient financial knowledge regarding principles, a lack of confidence in resource management, an unsupportive financial attitude, or reliance on misconceptions about finance.  This study aims to examine the impact of financial knowledge, financial self-efficacy, and financial attitude on the capital budgeting decisions of micro, small, and medium enterprises (MSMEs) in Bandar Lampung.  This research employs a quantitative methodology with primary data gathered from 401 respondents chosen via purposive sampling.  Prior to the analysis of the data utilizing multiple linear regression with SPSS software, it underwent testing for validity, reliability, and classical assumptions.  The findings indicated that financial knowledge, financial self-efficacy, and financial attitude exerted a positive and significant impact on capital budgeting decisions, both individually and collectively.  The results affirm that the Theory of Planned Behavior is crucial in elucidating how knowledge, beliefs, and attitudes underpin rational, strategic, and sustainable decision-making for micro, small, and medium enterprises (MSMEs).

Amelinda Amelinda; Shofia Amin; Rts. Ratnawati

Jurnal Ekonomi, Akuntansi, dan Perpajakan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to determine self-efficacy as an intervening variable in influencing the relationship between servant leadership and organizational citizenship behavior among employees of the Muaro Jambi District Environment Agency. The analysis method used is quantitative analysis. The population and sample consisted of 56 employees. Data collection was conducted by distributing questionnaires using a Likert scale. The statistical analysis used Structural Equation Modeling (SEM) techniques, with Partial Least Squares (PLS) as the tool for managing it using SmartPLS 4.1.1. The results of this study indicate that servant leadership has a positive and significant effect on organizational citizenship behavior, servant leadership has a positive and significant effect on self-efficacy, self-efficacy has a positive and significant effect on organizational citizenship behavior, and servant leadership has a positive and significant effect on organizational citizenship behavior and is mediated by self-efficacy.

Noor Laila Deviani Faridz; Sulastri Irbayuni

International Journal of Economics and Management Sciences 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study examines the influence of self-efficacy and motivation on entrepreneurial interest among students of the Entrepreneurship Study Program, Class of 2022, at Universitas Pembangunan Nasional “Veteran” Jawa Timur. Using a quantitative survey method, data were collected from 53 respondents through questionnaires and analyzed with the Partial Least Square (PLS) approach using SmartPLS software. The findings indicate that self-efficacy significantly enhances students’ entrepreneurial interest. Students with strong confidence in their ability to lead, organize, and manage business activities tend to develop higher entrepreneurial intentions. Likewise, motivation has a positive impact on entrepreneurial interest, where the drive to achieve success and self-fulfillment becomes a major factor influencing students to engage in entrepreneurship. The study emphasizes the need to cultivate self-efficacy and intrinsic motivation as essential components in developing independent, confident, and competitive young entrepreneurs who are ready to create innovative business opportunities and contribute to economic growth.  

Diana Zumrotus Sa’adah; Septi Tri Dinanti; Mahrifatun Khasanah; Mona Chairun Nisa; Asih Tri Utami +1 more

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The rapid development of technology and the dynamic global labor market require young generations, particularly Generation Z, to possess career readiness that is determined not only by technical skills but also by non-technical competencies, or soft skills. This study aims to analyze the role of soft skills, particularly creativity, in shaping the career preparedness and success of Generation Z. Literature synthesis indicates that Generation Z excels in digital literacy and technological adaptability but still faces challenges in social and emotional competencies, such as effective communication, empathy, and cross-generational collaboration. The imbalance between hard skills and soft skills affects work effectiveness, career mobility, and the ability to build professional networks. Creativity emerges as a strategic soft skill that enhances motivation, innovation, and productivity, and can be developed through the integration of soft and hard skills, project-based learning approaches, educational technology, and the strengthening of self-efficacy. The study also identifies challenges in fostering creativity in real workplace environments, including hierarchical organizational cultures and limited mechanisms for rewarding new ideas. Based on these findings, it is recommended that educational institutions, industries, and policymakers collaborate to create a sustainable ecosystem for soft skills development, enabling Generation Z to become innovative and adaptive change agents in a competitive global career landscape.  

Widhya Putriana

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

This research explores the dual impact of Artificial Intelligence (AI) on the academic writing experiences of English Literature students learning English as a Foreign Language (EFL). AI tools like ChatGPT, Grammarly, and QuillBot are commonly used for grammar correction and sentence construction. These tools are integrated into students' writing processes, providing valuable assistance in refining their written work. However, their psychological effects, particularly in terms of emotional and ethical implications, have not been sufficiently explored in previous research. This study employed a qualitative phenomenological approach, utilizing Interpretative Phenomenological Analysis (IPA), to examine the experiences of ten final-year EFL students who actively use AI tools for academic writing. Through semi-structured interviews, the research identified three major themes: reduced technical stress, heightened dependency on AI tools, and ethical concerns about authorship. The findings suggest that while AI tools act as cognitive scaffolds, aiding students by improving fluency and reducing the burden of technical writing tasks, they also introduce psychological challenges. These challenges include increased dependency on the tools and concerns about the authenticity of their work, raising questions about academic integrity and self-efficacy. This study sheds light on the complex relationship between AI as an assistive technology and its potential to cause writing anxiety and dependency. By emphasizing both the positive and negative psychological impacts of AI, the study contributes to the growing body of literature on AI in education. It calls for the development of pedagogical frameworks that balance AI literacy, emotional resilience, and ethical considerations to ensure responsible and effective use of AI in academic contexts.

Erni Prasetyo; Sulastri Irbayuni

International Journal of Economics and Management Sciences 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the influence of self-efficacy and job characteristics on the job satisfaction of freelance photographers in Surabaya. The background of this research is based on the growth of the gig economy, which has encouraged the emergence of independent work patterns where workers have the freedom to manage their own time, methods, and projects. However, this freelance work system also presents various challenges, such as project uncertainty, fluctuating workloads, and limited structured support or evaluation. In the context of freelance photography, these dynamics are particularly evident, as the work demands not only creativity but also managerial skills to organize work processes independently. This study employs a quantitative approach using a survey method with questionnaires distributed to 100 freelance photographers selected through purposive sampling. Data were analyzed using the Partial Least Squares (PLS) method. The results indicate that self-efficacy and job characteristics significantly contribute to shaping job satisfaction. Strong self-efficacy particularly previous work experience enhances freelancers’ confidence in facing challenges, while clear job characteristics, especially in terms of task identity, make them feel more directed, valued, and satisfied with their work. These findings emphasize the importance of both internal and external factors in determining job satisfaction and provide theoretical as well as practical contributions to the management of freelance workers in the creative sector, particularly in designing adaptive work strategies in the digital economy era.

A A Sg Eli Pertami Dewi Saraswati; Ni Made Dwi Puspitawati; Ni Putu Cempaka Dharmadewi

International Journal of Economics and Management Sciences 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

In the midst of increasing organizational competition, issues of low organizational commitment remain prevalent, including at the Office of Public Works, Spatial Planning, Housing, and Settlement Areas of Bali Province, as indicated by a high absenteeism rate and ineffective work behaviors. These problems are suspected to be influenced by inadequate training methods, low self-efficacy among employees, and a lack of job satisfaction. The present study explores the extent to which employee training and perceived self-efficacy contribute to fostering organizational commitment, with job satisfaction positioned as an intervening construct. Conducted within the context of the Public Works, Spatial Planning, Housing, and Settlement Agency of Bali Province, the research engaged a workforce population of 610 individuals. Through the application of the Slovin formula, a representative sample of 86 respondents was identified. Data were gathered through a combination of structured questionnaires, in-depth interviews, and document review. Analytical processing was undertaken using path analysis to model the causal relationships among variables. The empirical evidence revealed that both training initiatives and self-efficacy perceptions have a favorable and statistically significant relationship with employees’ commitment to the organization. These two factors were also found to positively affect job satisfaction. Furthermore, job satisfaction emerged as a critical determinant that reinforces organizational commitment. The analysis further supports the mediating role of job satisfaction, demonstrating that the influence of training and self-efficacy on organizational commitment is also conveyed indirectly through improved job satisfaction levels. The findings of this study highlight the importance of investing in employee development through effective training programs and boosting self-efficacy to enhance job satisfaction.

I Gede Agus Sentana Widana Yasa; I Nengah Suardika; Made Ika Prasetyadewi

International Journal of Economics and Management Sciences 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Education plays a vital role in improving human resource quality, making it essential for addressing challenges in developing countries, such as inequality, poverty, and cultural instability. Teachers, as key facilitators in the learning process, are central to achieving educational goals, with performance influenced by internal factors like self-efficacy and external factors like organizational climate and leadership style. This study examines the influence of organizational climate and transformational leadership on teacher performance at SMK 3 Sukawati, with self-efficacy as a mediating variable. The population and sample include all 55 teachers, selected through purposive sampling. Data were collected via questionnaires, interviews, and documentation, then analyzed using path analysis. Results show that organizational climate and transformational leadership positively and significantly affect both teacher performance and self-efficacy. Self-efficacy also positively and significantly influences performance. Additionally, organizational climate and transformational leadership indirectly impact teacher performance through self-efficacy.

Titis Sukma Rosalita; Riska Fii Ahsani

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

This study is a survey study on employees of PT. Telkom Indonesia Witel Solo. The purpose of this study is to examine the effect of self-efficacy, workload and work life balance on job satisfaction. The type of data used is quantitative data, the data source used is primary data. Data collection in this study was carried out by distributing researcher questionnaires to the relevant respondents. The population in this study were employees of PT. Telkom Indonesia Witel Solo. The sampling technique in this study used simple random sampling technique and obtained a sample of 120 respondents. Data were collected with a questionnaire that had been tested for validity and reliability. The data analysis technique used multiple linear regression analysis, t-test, F-test and coefficient of determination (R2).The results of this study indicate that self-efficacy has a significant effect on employee job satisfaction at PT. Telkom Indonesia Witel Solo. Workload has a significant effect on employee job satisfaction at PT. Telkom Indonesia Witel Solo. Work life balance has a significant effect on employee job satisfaction at PT. Telkom Indonesia Witel Solo. The results of the determination coefficient obtained an adjusted R square value of 0.438, which means that the contribution of the influence of the variables self-efficacy, workload and work life balance to the job satisfaction variable is 43.8%

Fadhilah Alwan; Aditya Pratama; Suparno Suparno

Jurnal Ekonomi, Akuntansi, dan Perpajakan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the influence of Craft and Entrepreneurship Learning as well as economic literacy on entrepreneurial intention, with self-efficacy as a mediating variable among senior high school students in Ciracas, East Jakarta. The research is grounded in the issue of low entrepreneurial intention among students based on preliminary survey results, and the persistently high unemployment rate among high school graduates. This study adopts a quantitative approach using a survey method through questionnaires distributed to 11th-grade students from three schools: SMAN 99, SMAN 58, and SMAN 105 Jakarta. Data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results indicate that both Craft and Entrepreneurship Learning and economic literacy have a positive effect on self-efficacy and entrepreneurial intention. Moreover, self-efficacy is proven to be a significant partial mediating variable in the relationship between the independent variables and entrepreneurial intention. This research recommends strengthening entrepreneurship education and improving economic literacy in schools as strategies to foster students’ confidence and entrepreneurial spirit from an early age.

Angelina Puspita Sari; Kautsar Riza Salman

KOMPAK : Jurnal Ilmiah Komputerisasi Akuntansi 2025 Universitas Sains dan Teknologi Komputer

Minimnya atensi wajib pajak terhadap sosialisasi telah dicoba oleh fiskus pajak menimbulkan kecenderungan wajib pajak buat tidak patuh dalam penuhi kewajiban perpajakannya. Diperlukan banyak profesi konsultan pajak karena masih minimnya konsultan pajak dalam menangani banyaknya wajib pajak dalam melaporkan kewajibannya. Tujuan penelitian ini adalah untuk mengetahui pengaruh pengetahuan perpajakan, norma subjektif, dan penghargaan finansial terhadap minat berkarir mahasiswa menjadi konsultan pajak dengan self efficacy sebagai variabel moderasi. Metode dalam penelitian ini adalah kuantitatif. Sampel dipilih secara purposive sampling dengan jumlah responden sebanyak 127 orang yang memenuhi kriteria tertentu. Responden yang menjadi subjek penelitian adalah mahasiswa Universitas Hayam Wuruk Perbanas Surabaya, UPN Veteran Jawa Timur, Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya. Analisis data dilakukan dengan menggunakan Partial Least Square Structural Equation Modeling (PLS-SEM) dengan bantuan SmartPLS versi 4.0. Hasil penelitian menunjukkan bahwa pengetahuan perpajakan, norma subjektif, dan penghargaan finansial berpengaruh signifikan terhadap minat karir mahasiswa menjadi konsultan pajak. Self efficacy memperkuat pengetahuan perpajakan, Self efficacy memperlemah norma subjektif, self efficacy tidak memoderasi penghargaan finansial pada minat karir mahasiswa menjadi konsultan pajak.

Endriyan Sumaili; Maimun Maimun

International Journal of Economic, Social and Development Sciences 2025 International Forum of Researchers and Lecturers

This study aims to determine the effect of self-efficacy, field work practice and motivation to enter the world of work on the work readiness of students of Accounting Vocational School, Nunukan Regency. This study uses a descriptive verification research design with a survey approach that has been implemented at the Accounting Vocational School of Nunukan Regency. The subjects in this study were students of class XII Accounting in 3 vocational schools in Nunukan Regency, namely SMKN 1 Nunukan, SMKN 1 Sebatik Barat and SMKN 1 Tulin Onsoi, consisting of 100 female students and 37 male students. The objects of this study are self-efficacy, field work practices, motivation to enter the world of work and work readiness of vocational school students. The data collected through the questionnaire were then processed/analyzed. To test the hypothesis using multiple linear regression. The results of the study indicate that there is a positive and significant influence of self-efficacy, field work practice and motivation to enter the world of work on the work readiness of students of Accounting Vocational High Schools in Nunukan Regency, which is indicated by the results of the multiple linear regression test obtained a multiple correlation coefficient of 0.618 which is included in the category of a strong relationship level with a determination level of 0.382 or in other words, the work readiness variable of vocational high school students is influenced by self-efficacy, field work practice and motivation to enter the world of work by 38.2% with Fcount> Ftable or 26.691> 3.940, then H0 is rejected and accepts H1 which states that there is an influence of self-efficacy, field work practice and motivation to enter the world of work on the work readiness of students of Accounting Vocational High Schools throughout Nunukan Regency.

Widya Rahayuningsih

Journal of Administrative and Sosial Science (JASS) 2025 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

The role of job training, self-efficacy, and human resource development (HRD) in improving employee performance is discussed in this study. The problem raised is how these three components can synergistically influence employee work efficiency, considering the many challenges faced by organizations in optimizing their human resource potential. The library method and literature review approach are used in this study. This involves the analysis of primary and secondary data from reliable international journals indexed by Scopus and national journals indexed by Shinta. These data were collected through a review of relevant literature covering theories and empirical research on self-efficacy, job training, HRD, and their effects on performance. The results of the study indicate that increasing employee motivation and confidence to complete assigned tasks is very important. Technical skills and adaptability to changes in the work environment are improved through competency-based job training. Meanwhile, an innovative and productive work culture is generated through continuous learning and mentoring programs. When used together, these three components can contribute to improving individual and organizational performance. According to this study, to maintain the sustainability and competitiveness of organizations in the modern era, a holistic approach to HR management is essential

Tria Yunita; Ajeng Diah Rahmawati; Nabila Azzahra; Silvia. AR.

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

Academic burnout among junior high school students, particularly ninth graders, is increasingly gaining attention amidst a competitive educational system. This study aims to analyze the level of academic burnout experienced by ninth-grade students at SMP Negeri 6 Indralaya Utara by examining symptoms such as emotional exhaustion, cynicism toward school tasks, and reduced self-efficacy. The contributing factors are explored comprehensively, including academic pressure, family expectations, teaching methods, and peer dynamics. The findings are expected to support the development of more effective and context-specific interventions and prevention strategies, promoting a learning environment that supports students’ mental well-being.

Maulydia Anggraini; Hilda Hilda; Oki Sapitri Menghayati

Jurnal Riset dan Publikasi Ilmu Ekonomi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Student work readiness is very important to face the dynamic world of work, students need to prepare for various challenges in the world of work, such as tight competition, high job demands, and rapid technological changes. This study aims to determine whether Self-Efficacy and Digital Skills partially and simultaneously affect Work Readiness to Face the Era of Society 5.0 in Islamic Banking Students of UIN Raden Fatah Palembang Class of 2021. The research method used is a quantitative approach. The sample in this study was 100 respondents with a sampling technique using random sampling with data measurement using a likert scale. Questionnaires were given to respondents and data analysis was carried out using SPSS 27 software. The results of this study indicate that partially the self-efficacy variable has an influence on the work readiness of islamic banking students with a significance value (sig) of 0.001 < (α) 0.1, and the digital skills variable has an influence on the work readiness of islamic banking students with a significance value (sig) of 0.002 < (α) 0.1. Meanwhile, simultaneously, self-efficacy and digital skills have a positive and significant influence on the work readiness of islamic banking students with a significance value (sig) of 0.000 < (α) 0.1.  

Okti Pravitasari; Adinda Dwi Cahyani; Latiffa Amanda Putri Nur; Innaya Aulia Putri; Ratna Sari Dewi

Jurnal Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

This study examines how effective group counseling is in improving career maturity and decision-making of students and college students. Approaches such as Trait and Factor, CBT, and CIP as well as creative media such as career bags and IT support the service. The method used was a literature review. The purpose of this study is to determine and analyze how effective group counseling services are in improving career readiness and maturity, as well as to determine its effect on learners' self-efficacy, decision-making, and problem-solving skills. The results showed that group counseling improved participants' career maturity, self-efficacy, and future planning, with a significant increase from pretest to posttest. The use of media and technology encouraged creativity and effectiveness of the services, although privacy and ethical issues still need to be addressed, especially for online services. In addition, external elements such as family and social environment influence. Therefore, group counseling-if conducted in a planned, flexible, sustainable, and appropriately evaluated manner-helps participants prepare for their careers.