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All Journal AMAR (Andalas Management Review) e-Jurnal Apresiasi Ekonomi
Tri Rachmat Riski
Dharma Andalas University
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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THE ROLE OF DEMOGRAPHIC FACTORS MODERATING THE LEVEL OF DIGITAL LITERACY ON ONLINE LENDING BEHAVIOR Tri Rachmat Riski; Henny Sulistianingsih; Maivalinda Maivalinda
Jurnal Apresiasi Ekonomi Vol 12, No 3 (2024)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v12i3.949

Abstract

The aim of this study to explore the role of demographic factors moderating the level of digital literacy on online lending behavior. This study use a purposive sampling technique and the sample elements of the object are selected based on certain considerations and criteria, namely micro and small business actors on this study. Data was collected using survey techniques with a total of 100 respondents. The proposed model of this study are using descriptive analysis and SEM PLS in order to obtain the information about digital literacy on the online lending behavior of the Padang community moderated by demographic factors. The results of this study show that the majority of respondents are dominated by productive age who have high intensity in utilizing peer-to-peer lending (P2P lending) information technology. This study also shows the significance of financial literacy in influencing financial behavior, and the demographic factors are significantly able to moderate financial literacy on financial behavior. The study results also show that it is important for future researchers to make risk preferences and social environment a relevant approach in measuring individual financial behavior related to building a positive and wise perspective in using peer-to- peer lending (P2P lending). Keywords: Digital literacy, demographic factors, financial behavior, online lending
Mapping Human Capital Readiness for Digital Transformation in Disaster-Prone Regions: Evidence from West Sumatra Fiko Farlis; Tri Rachmat Riski; Bintang Setyo Aguindra
AMAR (Andalas Management Review) Vol. 9 No. 2 (2025)
Publisher : Management Institute Faculty of Economics Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/amar.9.2.67-80.2025

Abstract

This study analyzes the distribution of the Human Capital Readiness Index (HCRI) among workers in disaster-prone areas of West Sumatra, focusing on Padang City and Pesisir Selatan Regency. The index, constructed through a Principal Component Analysis (PCA) of four dimensions digital competence, adaptability, information access, and sustainability planning—illustrates the workforce’s readiness for post-disaster digital transformation. Based on responses from 384 workers, results show that 50.52% fall into the High Readiness category, 25.78% Moderate, 16.41% Very High, 6.77% Low, and only 0.52% Very Low. These findings indicate that most workers demonstrate a relatively strong readiness level, supported by increasing digital exposure and adaptive capacity, yet gaps remain in planning and information access. The results highlight the importance of targeted human capital interventions and digital capacity development to ensure equitable resilience across both formal and informal sectors in disaster-affected regions
Co-Authors Bintang Setyo Aguindra Fiko Farlis Henny Sulistianingsih Maivalinda Maivalinda