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All Journal Dynamic Management Journal Jurnal Multidisiplin West Science
Anggraini Soemadi
Universitas Muhammadiyah Tangerang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Pengaruh Digital Financial Literacy dan Intensitas Penggunaan E-Wallet dalam Membentuk Perilaku Konsumtif Mahasiswa di Tangerang Iti Septi; Udin Bahrudin; Anggraini Soemadi; Anggi Prayitno; Ingkak Chintya Wangsih
Jurnal Multidisiplin West Science Vol 5 No 05 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i05.3491

Abstract

Pertumbuhan pesat teknologi keuangan telah mengubah perilaku konsumen, khususnya di kalangan mahasiswa yang aktif menggunakan sistem pembayaran digital. Studi ini bertujuan untuk meneliti pengaruh Literasi Keuangan Digital dan Frekuensi Penggunaan Dompet Digital terhadap Perilaku Konsumsi Mahasiswa di Tangerang. Pendekatan kuantitatif digunakan dengan menggunakan data survei yang dikumpulkan dari 250 mahasiswa melalui kuesioner yang diukur pada skala Likert lima poin. Data dianalisis menggunakan SPSS versi 25 melalui pengujian validitas dan reliabilitas, pengujian asumsi klasik, regresi linier berganda, dan pengujian hipotesis. Hasil menunjukkan bahwa Literasi Keuangan Digital memiliki pengaruh positif yang signifikan terhadap Perilaku Konsumsi. Demikian pula, Frekuensi Penggunaan Dompet Digital secara signifikan memengaruhi Perilaku Konsumsi. Secara simultan, kedua variabel tersebut secara signifikan memengaruhi Perilaku Konsumsi, dengan nilai R² sebesar 0,590, menunjukkan bahwa 59,0% variasi dalam Perilaku Konsumsi dijelaskan oleh model yang diajukan. Temuan ini menyoroti pentingnya literasi keuangan digital dan penggunaan dompet digital yang bertanggung jawab dalam membentuk perilaku konsumsi mahasiswa di era digital.
STRATEGIC DRIVERS OF EMPLOYEE PERFORMANCE: ENVIRONMENT, CULTURE, AND SATISFACTION IN TEXTILE INDUSTRY Anggraini Soemadi; Humairoh Humairoh; Fajar Maulana
Dynamic Management Journal Vol. 10 No. 1 (2026): January
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/dmj.v10i1.15753

Abstract

The urgency of this research is based on the high productivity pressures in the textile industry sector post-economic recovery, which demands the optimization of employee performance amid the risk of extreme physical work environments. The purpose of the study was to analyze the integrative influence of the work environment, organizational culture, and job satisfaction on employee performance at PT Indonesia Synthetic Textile Mills. The study used a causal-associative quantitative approach involving 83 respondents who were selected through a simple random sampling technique. Data analysis was performed using multiple linear regression with the help of SPSS Software Version 27. The results showed that partially and simultaneously, the three independent variables had a positive and significant effect on performance, with job satisfaction as the most dominant determinant. Overall, this model is able to explain 61% of employee performance variances. This research contribution provides strategic guidance for manufacturing management in formulating retention and productivity policies based on psychological well-being. The novelty of the research lies in the testing of integrative models that combine physical, normative, and emotional aspects simultaneously in labor-intensive industries in the buffer region of the capital, providing a new perspective for the validation of human resource management theories in the context of dynamic local industries.
Co-Authors Anggi Prayitno Fajar Maulana Humairoh Humairoh Ingkak Chintya Wangsih Septi, Iti Udin Bahrudin