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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Bisnis Event Proceeding Seminar Nasional Riset Terapan Administrasi Bisnis dan Mice (SNRT)
Asterina Anggraini
Politeknik Negeri Jakarta
Economics, Econometrics & Finance Social Sciences

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INTEGRATING FINANCIAL LITERACY INTO GEN Z'S PAYLATER CONSUMPTION AND FINANCIAL WELL-BEING: A CONCEPTUAL PAPER Asterina Anggraini; Annisa Wardhani; Nuraeni Hadiati Farhani
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No 2 (2026): IJEBAR: Vol. 10, Issue 2, June 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10i2.19925

Abstract

This paper discusses how using Buy Now Pay Later (BNPL) affects the financial well-being of Generation Z in Indonesia. This comes at a time when digital financial services are rapidly growing and young consumers are spending more. The study aims to create a framework that explains the connection between PayLater usage, impulsive buying, financial literacy, and financial well-being. It uses a conceptual and explanatory method, including a thorough review of recent studies on fintech behavior, behavioral finance, and digital consumption trends. The findings show that using PayLater can lead to more impulsive buying. This is due to deferred payment options, the convenience of digital transactions, and strong online promotions. These factors may harm financial well-being by increasing stress, leading to high digital debt, weak spending habits, and reduced saving ability. However, financial literacy is seen as a protective factor. It can help lessen the negative impact of PayLater by promoting smarter financial choices and better money management among Generation Z. This paper adds to the understanding of fintech and behavioral finance in the context of Indonesia’s digital economy.
Exploring the Dynamics of Price Competitiveness and Tourism Openness in Enhancing Bandung City’s Local Revenue Asterina Anggraini; Annisa Wardhani; Meisa Sofia; Nuraeni Hadiati Farhani; Diara Nazifa Rizqi Kamalia
Bisnis Event Vol. 7 No. 26 (2026): Jurnal Bisnis Event
Publisher : Program Studi MICE, Jurusan Administrasi Niaga, Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/bev.v7i26.6856

Abstract

This study analyses the dynamics of the Price Competitiveness Indicator (PCI) and Openness Indicator (OI) in driving Bandung City's Local Own-Source Revenue (PAD) during the 2019-2023 period. A quantitative descriptive method with trend analysis was used to map the changing patterns of these three variables. The results show that PCI has a strong positive correlation with PAD, where a sharp decline in 2020 due to the COVID-19 pandemic was followed by a significant recovery through 2023. In contrast, the contribution of OI to PAD was relatively small and weak, although it showed an increasing trend post-pandemic. The study's conclusion indicates that price competitiveness is the main short-term driver of PAD, while openness is more strategic for long-term growth. The policy implication is the need for a balance between price stabilization strategies and enhancing destination openness.
Pengaruh Kondisi Makroekonomi di Indonesia Terhadap Pergerakan Saham PT Panorama Sentrawisata Tbk Asterina Anggraini; Sudarno
Seminar Nasional Riset Terapan Vol. 12 No. 01 (2023): SNRT XII TAHUN 2023
Publisher : Administrasi Niaga Politeknik Negeri Jakarta

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Abstract

Secara garis besar tujuan penelitian ini adalah menganalisis pengaruh kondisi makroeonomi yaitu, nilai tukar, tingkat suku bunga, inflasi, indeks harga konsumen, dan jumlah yang beredar terhadap pergerakan harga saham PT Panorama Sentrawisata Tbk. Unit analisis adalah harga saham PT Panorama Sentrawisata Tbk bulan Januari 2018 hingga bulan Juni 2023. Metode pengumpulan data yang digunakan adalah pengolahan data sekunder. Penelitian ini menggunakan pendekatan kuantitatif dengan analisis regresi linier berganda menggunakan software EViews. Dari hasil pengujian, nilai tukar dan indeks harga konsumen memiliki pengaruh secara positif yang signifikan sedangkan inflasi memiliki pengaruh secara negatif yang signifikan terhadap harga saham PT Panorama Sentrawisata Tbk. Suku bunga dan jumlah uang beredar tidak memiliki pengaruh yang signifikan terhadap harga saham PT Panorama Sentrawisata Tbk. Koefisien determinasi (nilai adjusted R-squared) sebesar 0,42. Hal ini berarti 42% variasi harga saham PT Panorama Sentrawisata Tbk dapat dijelaskan oleh variasi dari tiga variabel makroekonomi, yaitu nilai tukar, inflasi, dan indeks harga konsumen sedangkan sisanya (57%) dijelaskan oleh sebab-sebab lain di luar penelitian.
Tren Indeks Daya Saing Industri Pariwisata Kota Bandung Asterina Anggraini; Meisa Sofia; Nuraeni Hadiati Farhani; Diara Nazifa Rizqi Kamalia
Seminar Nasional Riset Terapan Vol. 14 No. 01 (2025): SNRT XIV TAHUN 2025
Publisher : Administrasi Niaga Politeknik Negeri Jakarta

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Abstract

This study aims to analyze the tourism competitiveness trend in Bandung City from 2019 to 2023 using seven indicators derived from the Competitiveness Monitor model. The indicators include Human Tourism, Price Competitiveness, Infrastructure Development, Environmental, Human Resources, Openness, and Social Development. The research method is descriptive research and data is taken from BPS Bandung City from 2019 to 2023. The results indicate that Bandung demonstrates strong performance in social and infrastructure aspects, alongside significant post-pandemic recovery in tourism and pricing indicators. However, challenges remain in openness to foreign visitors and human resource quality. These findings offer a comprehensive view of Bandung’s tourism competitiveness and serve as a strategic reference for sustainable tourism development planning. Future research is encouraged to integrate digitalization and spatial analysis for broader destination competitiveness insights
Komunikasi Negosiasi Kontrak sebagai Instrumen Optimalisasi Anggaran dalam Penyelenggaraan Event MICE Asterina Anggraini; Karbala Madania; Sudarno; Ariana Zahra Hermawati; Maulin Nabila
Seminar Nasional Riset Terapan Vol. 15 No. 01 (2026): SNRT XV TAHUN 2026
Publisher : Administrasi Niaga Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/snrtbisnis.v15i01.7087

Abstract

This study aims to examine the contract negotiation communication process, the strategies employed, and its role in budget optimization for MICE (Meetings, Incentives, Conferences, and Exhibitions) event management. A descriptive qualitative approach was adopted, with data collected through in-depth interviews with 10 purposively selected MICE event organizers in Jakarta and Depok. Data were analyzed using NVivo software through thematic coding. The findings reveal that contract negotiation communication consistently unfolds in three stages: pre-negotiation, negotiation execution, and post-negotiation. Across all stages, clarity of work scope, collaboration, and active listening emerged as the dominant communication elements. Six negotiation communication strategies were identified — rational persuasion, data-based communication, vendor assurance techniques, bargaining techniques, conflict resolution, and structured argumentation — with the collaborative approach proving most effective. Contract negotiation communication demonstrably contributes to budget optimization through four dimensions: value for money, cost efficiency, cost control, and budget savings, with savings ranging from 10% to 15% of the initial total budget. These findings affirm that contract negotiation communication serves as a strategic instrument in MICE event management, particularly in achieving budget efficiency without compromising service quality.
Co-Authors Annisa Wardhani Ariana Zahra Hermawati Diara Nazifa Rizqi Kamalia Karbala Madania Maulin Nabila Meisa Sofia Nuraeni Hadiati Farhani Sudarno Sudarno