JoEMS (Journal of Education and Management Studies)
JoEMS (Journal of Education and Management Studies) adalah jurnal penelitian ilmiah yang diterbitkan oleh Universitas KH. A. Wahab Hasbullah. Terakreditasi SINTA 5. JoEMS berfokus pada publikasi hasil penelitian di rumpun Ilmu Pendidikan dan Ilmu Manajemen. JoEMS memiliki frekuensi terbit bimonthly pada periode Februari, April, Juni, Agustus, Oktober, dan Desember.
Determinan Manajemen Keuangan Pribadi Mahasiswa: Peran Fintech Payment, Financial Literacy, dan Financial Behaviour pada Mahasiswa
Purpose: This study aims to examine the influence of fintech payment, financial literacy, and financial behavior on the personal financial management of students at University KH. A. Wahab Hasbullah. Methodology/approach: This study employed a quantitative approach. The sample consisted of 97 respondents selected from a population of 2,771 students using Slovin's formula. Data were collected through a Google Forms questionnaire using a Likert scale and analyzed using SPSS 15. The analysis included validity and reliability tests, classical assumption tests (normality, linearity, multicollinearity, and heteroscedasticity), multiple linear regression analysis, partial t-tests, simultaneous F-tests, and the coefficient of determination. Findings: The results reveal that fintech payment does not significantly affect students' personal financial management (t-value = 1.241 < t-table = 1.661; Sig. = 0.218 > 0.05). Financial literacy also does not have a significant effect on students' personal financial management (t-value = 1.769 > t-table = 1.661; Sig. = 0.080 > 0.05). In contrast, financial behavior has a positive and significant effect on students' personal financial management (t-value = 4.147 > t-table = 1.661; Sig. = 0.000 < 0.05). Simultaneously, fintech payment, financial literacy, and financial behavior significantly influence students' personal financial management (F-value = 48.324 > F-table = 2.703; Sig. = 0.000 < 0.05). Practical implications: The findings provide practical insights for higher education institutions in designing financial education programs that emphasize the development of positive financial behavior to improve students' personal financial management. Originality/value: This study provides empirical evidence regarding the simultaneous contribution of fintech payment, financial literacy, and financial behavior in explaining students' personal financial management in Indonesian higher education.
Copyright (c) 2026 Ibrahim, Ernita Lailatul Hikmah, Khotim Fadhli (Author) https://creativecommons.org/licenses/by-nc/4.0
Analisis Kompratif Kebijakan Ekskursi di The Australia Islamic College Adelaide dan Preston Islam College
Purpose: This study aims to analyze and compare excursion policies implemented at The Australian Islamic College Adelaide (AIC) and East Preston Islamic College (EPIC), particularly in terms of experiential learning, risk management, and inclusivity. Methodology/approach: This research employs a qualitative approach using a comparative method through document analysis and content analysis of policy documents from both institutions. Data were collected through documentation and literature study, and analyzed systematically to identify similarities and differences in policy aspects. Findings: The findings indicate that both institutions position excursion activities as part of experiential learning integrated into the curriculum. However, differences exist in policy orientation. AIC emphasizes technical aspects, standardized procedures, and structured risk management to ensure student safety. In contrast, EPIC focuses on inclusivity, student well-being, flexibility, and active parental involvement. These differences reflect distinct approaches, namely managerial-technical and humanistic approaches. Practical implications: The results suggest that educational institutions should integrate structured management systems with inclusive and student-centered approaches in designing excursion policies to ensure safety, effectiveness, and meaningful learning experiences. Originality/value: This study provides a comparative perspective on excursion policy in Islamic educational institutions, highlighting the importance of balancing standardization and inclusivity in educational policy development.
Copyright (c) 2026 Alya Nur Fadilah, Dhohan Zulkarnaen Al Aziz (Author) https://creativecommons.org/licenses/by-nc/4.0
Antara Aspirasi Lokal dan Standar Nasional: Menakar Efektivitas Pengelolaan Pendidikan Kurikulum Merdeka dalam Otonomi Daerah
Purpose: This research examines the management effectiveness of the Merdeka Curriculum under regional autonomy, gauging the synergy between fulfilling local aspirations and achieving national standards to equitably optimize national education quality. Methodology/approach: A qualitative literature review approach was employed. Systematic searches of scientific literature and official government documents from 2017 to 2025 were conducted, followed by in-depth evaluation using qualitative content analysis and thematic synthesis. Findings: Implementation shows significant tension between national flexibility and local contextual adaptation. While regional autonomy provides strategic roles, its success heavily depends on local governance quality. Furthermore, on-the-ground effectiveness is hindered by severe disparities in teacher readiness for innovative practices, and educational inequality in frontier regions remains a critical challenge. Practical implications: Local governments must create responsive policies and provide equitable capacity-building programs for educators to minimize regional disparities in curriculum implementation. Originality/value: This review specifically maps the dilemma between national standard centralization and local aspiration decentralization regarding the ongoing Merdeka Curriculum implementation in Indonesia.
Copyright (c) 2026 Muhammad Yafi Abdul Hafiz (Author) https://creativecommons.org/licenses/by-nc/4.0
Kesiapan Guru BK dalam Mengintegrasikan Karakter, Karier, Sosial-Emosional pada Kurikulum Merdeka SMP: Analisis Literatur Sistematis
Purpose: This study systematically analyzes the readiness of school counselors to integrate character education, career guidance, and social-emotional learning within the Merdeka Curriculum at the junior high school level. Methodology/approach: A Systematic Literature Review (SLR) was conducted on ten peer-reviewed journal articles published between 2022 and 2026. Articles were identified through Google Scholar and selected using PRISMA guidelines. Data were analyzed qualitatively through thematic synthesis. Findings: School counselors’ readiness remains at a developmental stage. Conceptual readiness toward developmental counseling is relatively strong, but operational, assessment, and collaborative readiness require further improvement. Character education supports the Pancasila Student Profile, yet counseling services remain largely reactive. Career guidance still focuses on information delivery rather than developmental assessment, while social-emotional learning has not been systematically integrated due to limited competence, training, and implementation guidelines. Readiness is influenced by professional competence, assessment literacy, school support, policy, and continuous professional development. Practical implications: Schools and policymakers should strengthen training, assessment literacy, developmental career guidance, social-emotional learning, and collaborative counseling programs. Originality/value: This review conceptualizes counselor readiness as a multidimensional construct requiring integrated implementation of the three domains within comprehensive school counseling.
Copyright (c) 2026 Salsabilla Indy Eka Putri, Rifkah Sa'diyah (Author) https://creativecommons.org/licenses/by-nc/4.0
Implementasi Kegiatan Keagamaan dalam Penguatan Karakter Disiplin Siswa Madrasah Tsanawiyah
Purpose: This study describes the implementation of religious activities in strengthening students’ character and discipline at MTs Nurul Falah Sugiharjo Tuban and identifies its supporting and inhibiting factors. Methodology/approach: A qualitative case study was conducted using structured interviews with eight purposively selected informants, supported by participant observation and documentation. Data were analyzed through reduction, display, and conclusion drawing, while credibility was ensured through source and technique triangulation. Findings: Religious activities were implemented through planning, implementation, and evaluation, including congregational Dhuha and Dzuhur prayers, Wadhifah recitation, istighosah, dziba’, tahlil, and Qur’an memorization. Character strengthening reflected Lickona’s moral knowing, moral feeling, and moral action, manifested in discipline of time, rules, attitudes, and worship. Supporting factors included visionary leadership, teacher synergy, consistent habituation, clear regulations, and a conducive religious environment. Inhibiting factors included digital distraction, student heterogeneity, activity fatigue, monotony, and limited human resources. Practical implications: Madrasahs should innovate religious activities, strengthen parental collaboration, and improve companion duty distribution. Originality/value: This study integrates Lickona’s character theory with habit-loop theory to explain multidimensional discipline formation through structured religious habituation.
Copyright (c) 2026 Eva Fauziah, Ahmad Hanif Fahruddin, Muhammad Asrori (Author) https://creativecommons.org/licenses/by-nc/4.0
A Multidimensional Perspective on Consumer Purchase Decisions: Integrating Event Marketing, Store Atmosphere, and Price in the Restaurant Industry
Purpose: This study aims to examine the effects of event marketing, store atmosphere, and price on purchasing decisions at KQ5 Steak and Bowl Jember, both partially and simultaneously. Methodology/approach: This study employed a quantitative descriptive approach. Data were collected through questionnaires and observations involving consumers who attended events organized by KQ5 Steak and Bowl Jember. A non-probability sampling technique was applied, resulting in 120 respondents. Data were analyzed using validity and reliability tests, multiple linear regression, t-tests, and F-tests. Findings: The results indicate that event marketing, store atmosphere, and price individually influence purchasing decisions. Simultaneously, the three variables have a positive influence on consumers’ purchasing decisions. Practical implications: The findings suggest that restaurant management should strengthen event marketing activities, improve the store atmosphere, and establish appropriate pricing strategies to encourage consumer purchasing decisions. Originality/value: This study integrates event marketing, store atmosphere, and price within a single empirical model to explain purchasing decisions in the restaurant context.
Copyright (c) 2026 Khittah Ashilah, Slamet Wijiono, Syarif Hidayatulla, Ach. Faqih Supandi, Bastomi Dani Umbara (Author) https://creativecommons.org/licenses/by-nc/4.0