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All Journal Center of Economic Students Journal (CSEJ) Advances in Community Services Research
Muhammad Fauzan Garantjang
Universitas Hasanuddin, Makassar, Indonesia
Economics, Econometrics & Finance Other

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Digital-Based Financial Management Capacity Building for BUMDes Mattuju in Pitue Village, Indonesia Muhammad Fauzan Garantjang; Ade Ikhlas Amal Alam; Andi Iqra Pradipta Natsir; Muhammad Try Dharsana; Anissa Aulya Putri T.
Advances in Community Services Research Vol. 4 No. 2 (2026)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/acsr.v4i2.849

Abstract

Purpose: This Community Service Activity aims to strengthen the capacity of BUMDes Mattuju and village microbusiness actors in Pitue Village, Ma'rang Subdistrict, Pangkajene and Kepulauan Regency, in managing finances through simple digital recording, transparent reporting, and basic digital promotion. The program addresses the need for more orderly bookkeeping, stronger accountability, and data-informed decision-making in managing village-owned enterprises. Method: The activity used a participatory capacity-building approach through training, Focus Group Discussion (FGD), practical simulation, introduction to social media, simple website utilization, and mentoring. It involved BUMDes Mattuju, village microbusiness actors, village and subdistrict stakeholders, lecturers, and students of the 2025 Student Village Development Program of Universitas Hasanuddin. Results and Discussion: The program improved participants' awareness of structured financial records, introduced simple digital recording, and broadened their understanding of Facebook, Instagram, WhatsApp, and simple web-based channels for product visibility. It also produced training materials, brochures, seminar kits, certificates, documentation, and online media publications. Implication: The intervention strengthens BUMDes governance by positioning digital financial management as a practical tool for transparency, efficiency, and accountability. Continued mentoring is needed to make the introduced recording format a routine managerial practice, and the model can be replicated in other coastal and rural villages.
The Influence Of Financial Technology On The Consumptive Behaviour Of Generation Z Putri Sakinah; Muhammad Fauzan Garantjang; KAVIARASAN MUNIVEL; ASMAHANI BINTI ASWADDALAI
Center of Economic Students Journal Vol. 9 No. 3 (2026): Juli - September (2026)
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56750/cesjv9i3.1880

Abstract

The development of financial technology (fintech) has transformed the way individuals conduct financial transactions, particularly among Generation Z, a demographic group that actively adopts digital technologies. This study aims to analyse the effects of perceived ease of use and perceived usefulness of fintech on the consumptive behaviour of Generation Z. The research employed a quantitative approach with a causal associative design based on the Technology Acceptance Model (TAM). Primary data were collected through a questionnaire distributed to 51 respondents selected using purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS 4 software. The results indicate that perceived ease of use does not have a significant effect on the consumptive behaviour of Generation Z, whereas perceived usefulness has a positive and significant effect. The coefficient of determination (R² = 0.157) suggests that the two independent variables explain only 15.7% of the variance in consumptive behaviour. These findings indicate that the perceived benefits of fintech play a greater role than ease of use in explaining Generation Z's tendency toward consumptive behaviour. However, the results should be interpreted with caution given the model's limited explanatory power. This study highlights the importance of using fintech features wisely to ensure that the benefits obtained do not encourage excessive consumptive behaviour.
Co-Authors Ade Ikhlas Amal Alam Andi Iqra Pradipta Natsir Anissa Aulya Putri T. ASMAHANI BINTI ASWADDALAI KAVIARASAN MUNIVEL Muhammad Try Dharsana Putri Sakinah