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All Journal AMAR (Andalas Management Review) UPI YPTK Journal of Business and Economics Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Journal of Business Economics and Management Jurnal Manajemen dan Bisnis Indonesia
Maivalinda
Universitas Dharma Andalas
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Digital financial literacy, ease of use, and price value on cashless adoption generation z padang Aulia Febrika; Maivalinda
UPI YPTK Journal of Business and Economics Vol. 11 No. 2 (2026): May 2026
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Putra Indonesia YPTK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35134/jbe.v11i2.326

Abstract

This study aims to examine the effect of digital financial literacy, ease of use, and price value on cashless payment adoption among Generation Z in Padang City. The rapid development of financial technology has shifted transaction behavior from cash-based systems to digital payment methods, making cashless transactions increasingly important. However, the level of adoption among Generation Z is still influenced by several factors related to user understanding, system usability, and perceived economic benefits. This study employs a quantitative approach using a survey method through questionnaire distribution. The sample consists of 96 respondents selected using purposive sampling. Data analysis was conducted using multiple linear regression with SPSS software. The results show that digital financial literacy, ease of use, and price value each have a positive and significant effect on cashless payment adoption. Furthermore, these variables simultaneously have a significant influence on adoption behavior. The coefficient of determination indicates that a substantial portion of adoption can be explained by the proposed model. These findings highlight the importance of improving financial knowledge, enhancing system usability, and providing economic incentives to increase the adoption of cashless payment among Generation Z.
Pelatihan Pembukuan Digital bagi UMKM Perempuan untuk Peningkatan Pendapatan Keluarga Rita Srihasnita Rosali Caniago; Henny Sulistianingsih; Firsta; Maivalinda; Tiara Turay; Murniati; Indrayeni; Dian Hirma Surya Rahman; Delima Putri
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 4 No 1 (2026): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) yang dikelola oleh perempuan memiliki peran strategis dalam menopang dan meningkatkan perekonomian dan ketahanan finansial keluarga. Namun, banyak pelaku usaha perempuan di kawasan Rindang Alam, Kelurahan Koto Lua, Kota Padang, menghadapi kendala utama berupa rendahnya motivasi pengembangan diri dan ketidaktahuan dalam menyusun laporan keuangan yang baik. Motivasi diri merupakan salah satu faktor penting yang memengaruhi keberhasilan seseorang dalam menjalankan usaha. Pelaku UMKM perempuan yang memiliki motivasi tinggi cenderung lebih kreatif, inovatif, dan mampu bertahan menghadapi perubahan kondisi ekonomi. Oleh karena itu, diperlukan kegiatan pengabdian kepada masyarakat yang memberikan penguatan motivasi agar pelaku UMKM memiliki semangat dalam mengembangkan usaha dan meningkatkan kesejahteraan keluarga. Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan untuk meningkatkan motivasi diri serta ketrampilan teknis pelaku UMKM perempuan di kawasan Rindang Alam Kelurahan Koto lua, Padang melalui pelatihan pembukuan digital. Permasalahan utama yang dimiliki mitra adalah belum terpisahkannya keuangan pribadi dan usaha, tidak adanya pencatatan keuangan yang rapi, serta rendahnya motivasi untuk mengembangkan usaha secara profesional. Metode pelaksanaan yang digunakan meliputi penyuluhan motivasi kewirausahaan, penyampaian materi dan praktek langsung (simulasi) penggunaan aplikasi pembukuan digital yang mudah dioperasikan di smartphone (seperti BukuWarung,BukuKas atau SIAPIK). Hasil kegiatan menunjukkan adanya peningkatan yang signifikan terhadap pemahaman literasi keuangan digital. Para peserta pelatihan kini memiliki motivasi yang lebih tinggi untuk bersaing di pasar dan mampu menyusun catatan kas masuk-keluar secara sistematis menggunakan smartphone mereka. Dengan pembukuan yang tertata dan motivasi diri yang kuat, pelaku UMKM perempuan dapat memisahkan modal usaha dan keuntungan dengan jelas, yang pada akhirnya berdampak langsung pada peningkatan pendapatan ekonomi keluarga
Pengaruh Kepuasan Kerja Dan Motivasi Kerja Terhadap Kinerja Dengan Organizational Citizenship Behavior (OCB) Sebagai Variabel Mediasi Pada LPP Rri Padang Jolio Figo; Maivalinda
Journal of Business Economics and Management | E-ISSN : 3063-8968 Vol. 2 No. 1 (2025): Juli - September
Publisher : GLOBAL SCIENTS PUBLISHER

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Abstract

Organizational Citizenship Behavior (OCB) can simply be described as individual behavior rooted in the willingness to contribute beyond one’s core role or responsibilities, whether consciously or unconsciously, directed or undirected, to provide benefits and advantages to the company. The purpose of this study is to determine the effect of Job Satisfaction and Work Motivation on Performance through Organizational Citizenship Behavior (OCB). The population in this study consists of all employees, with a total of 93 respondents. Data collection was conducted by distributing questionnaires directly to the respondents. The purposive sampling method was used to select the respondents. The implication of the conclusion above is that OCB cannot mediate the relationship between job satisfaction and performance, nor between work motivation and performance. This is because the influence of job satisfaction on performance and work motivation on performance does not require OCB as a mediating variable, as their influence is direct on performance without the need for OCB mediation.
Pengaruh Pinjaman Online Berdasarkan FoMO, Gaya Hidup Konsumtif dengan Ease of Access pada Generasi Z Annisa Taufik; Maivalinda
Jurnal Manajemen dan Bisnis Indonesia Vol. 1 No. 4 (2026): Edisi: Juli-September
Publisher : Pustaka Bangsa Indonesia

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Fear of Missing Out (FoMO), gaya hidup konsumtif, literasi keuangan, dan kemudahan akses terhadap penggunaan pinjaman online pada Generasi Z di Kota Padang serta menguji peran kemudahan akses sebagai variabel moderasi. Penelitian ini menggunakan pendekatan kuantitatif eksplanatori. Data primer dikumpulkan melalui kuesioner dengan skala Likert lima poin terhadap 98 responden Generasi Z di Kota Padang yang pernah menggunakan layanan pinjaman online legal terdaftar OJK. Analisis data dilakukan menggunakan Partial Least Squares–Structural Equation Modeling (PLS-SEM) dengan SmartPLS 4. Hasil penelitian menunjukkan bahwa FoMO tidak berpengaruh signifikan terhadap penggunaan pinjaman online. Gaya hidup konsumtif berpengaruh positif signifikan, sedangkan literasi keuangan berpengaruh negatif signifikan. Kemudahan akses memiliki pengaruh langsung paling kuat dan berpengaruh positif signifikan. Selain itu, kemudahan akses memoderasi hubungan FoMO terhadap penggunaan pinjaman online dengan memperlemah hubungan tersebut. Namun, kemudahan akses tidak memoderasi pengaruh gaya hidup konsumtif dan literasi keuangan pada tingkat signifikansi 5%.
Future Perspectives: The Key To Successful Retirement Planning: A Study Of Financial Behavior Henny Sulistianingsih; Maivalinda; Rita Srihasnita Rosali; Muhammad Irfan Floris; Resa Adinda; Tari Pebridani
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.9.2.130-144.2025

Abstract

The purpose of this study is to analyse the financial behavior (financial literacy, risk preferences, and locus of control) and future perspectives of Generation Z in retirement planning in West Sumatra. This research is explanatory. The population in this study is the community in West Sumatra. The sampling technique used was random sampling. A total of 418 respondents were collected. The data used consisted of secondary and primary data obtained directly from the field through questionnaires distributed to respondents. The data processing technique used the PLS-based SEM method. The results of this study only rejected one hypothesis, namely H1, which indicates that a person's level of financial literacy does not directly influence retirement saving behavior. Hypotheses H2, H3, and H4, which stated that locus of control, perceived financial risk, and future time perspective had a significant positive effect on retirement saving behavior, were accepted. Hypotheses H5a, H5b, and H5c were accepted. These three hypotheses indicate that locus of control, perceived financial risk, and future time perspective contribute significantly to future time perspective. The mediating effect of the FTP variable was discussed with three hypotheses: H6a, H6b, and H6c. These hypotheses were accepted because FTP acted as a significant mediator. This study empirically proves that FTP strengthens the direct relationship, not just mediation, between risk perception and retirement behavior. These results contribute significantly to demonstrating that FTP is not only a psychological construct but also a predictor of actual financial behavior, even in age groups and education levels that are not yet considered financially mature.
Co-Authors Annisa Taufik Aulia Febrika Delima Putri Dian Hirma Surya Rahman Firsta Henny Sulistianingsih Indrayeni Indrayeni Jolio Figo Muhammad Irfan Floris Murniati Resa Adinda Rita Srihasnita Rosali Rita Srihasnita Rosali Caniago Tari Pebridani Tiara Turay