Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis
Via Apriani
Unknown Affiliation
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Pengaruh Kepercayaan, Kemudahan Penggunaan, dan Program Promosi Cashback dalam Penggunaan QRIS terhadap Pengelolaan Keuangan Pribadi Generasi Z di Kabupaten Tasikmalaya Via Apriani; Agustian, Aldy
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 6 No. 3 (2026): Agustus: CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v6i3.9382

Abstract

The rapid growth of QRIS transactions (148.54% in 2025) among Generation Z contrasts with poor personal financial management, especially in poor regions like Tasikmalaya Regency (poverty rate 10.15%). This study aims to analyze the effect of trust, perceived ease of use, and cashback promotion programs on personal financial management of Generation Z in Tasikmalaya Regency. A quantitative causal-associative approach was used with 120 respondents selected by purposive sampling. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression with SPSS. The results show that trust, ease of use, and cashback simultaneously and partially have a positive and significant effect on personal financial management. Ease of use gives the highest contribution (β=0.338), followed by cashback (β=0.230) and trust (β=0.219). The adjusted R-squared is 0.428, meaning 42.8% of the variance in personal financial management is explained by the three variables. This study extends the Technology Acceptance Model (TAM) by linking adoption factors to long-term financial behavior in a low-income rural context and provides implications for financial literacy policy development
Co-Authors Agustian, Aldy