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Wa Ode Rayyani
Universitas Muhammadiyah Makassar, Indonesia
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Eksplorasi Perilaku Keuangan Gen Z Dalam Menggunakan E-wallet Sebagai Bentuk Adaptasi Terhadap Cashless Society Mahasiswa Universitas Muhammadiyah Makassar Nurhikmah SR; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study explores the financial behavior of Generation Z students in using e-wallets as a form of adaptation to a cashless society. The study employed a descriptive qualitative method with data collected through in-depth interviews involving five students from Universitas Muhammadiyah Makassar who actively use e-wallets. The findings show that students are attracted to e-wallets due to convenience, fast transactions, and promotional rewards such as cashback. However, many of them display impulsive buying behavior, lack financial planning, and do not keep records of their expenses. Furthermore, digital security awareness is still low, as most respondents do not apply preventive measures such as two-factor authentication. The cashless-supportive environment on campus also contributes to their daily digital payment habits. This research recommends implementing digital financial literacy programs and raising awareness on digital security risks to encourage wiser and safer e-wallet usage among Gen Z students.
Pengaruh Locus of Control terhadap Pengelolaan Keuangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Makassar Ade Trianna; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

Pengelolaan keuangan yang baik sangat penting dimiliki oleh mahasiswa agar dapat memenuhi kebutuhan akademik maupun pribadi secara berkelanjutan. Salah satu faktor psikologi yang diyakini berpengaruh terhadap perilaku keuangan adalah locus of control. Penelitian ini bertujuan untuk mengetahui pengaruh locus of control terhadap pengelolaan keuangan mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Makassar. Penelitian menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 37 responden yang dipilih melalui teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier sederhana. Hasil penelitian menunjukkan bahwa locus of control berpengaruh positif dan signifikan terhadap pengambilan keputusan keuangan mahasiswa, dengan nilai koefisien determinasi sebesar 14,8%. Hal ini mengindikasikan bahwa semakin tinggi locus of control seseorang, maka semakin baik pula pengelolaan keuangannya. Penelitian ini menegaskan pentingnya faktor psikologis dalam membentuk perilaku keuangan mahasiswa.
Manajemen Risiko Dan Strategi Mitigasi Risiko Keuangan Pada Ptpn Sinergi Gula Nusantara Di Kab. Takalar Siskayanti; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to identify and analyze the financial risks faced by PTPN SinergiGula Nusantara in Takalar Regency, as well as to evaluate the mitigation strategies implemented to manage these risks. A descriptive qualitative approach was used, with data collected through observation, interviews, and documentation. The findings indicate that the company encounters several financial risks, such as sugar price volatility, dependence on local raw material supply, and the need for continuous investment in technology and human resources. To address these challenges, PTPN SGN has implemented various mitigation strategies, including production process optimization, strengthening partnerships with farmers, and improving operational efficiency through training and enhanced risk management systems. This study highlights the importance of integrating risk management into corporate governance to ensure financial stability and sustainability in the national sugar industry. Strategic recommendations are proposed to enhance financial risk management and support the company’s sustainable growth.
Co-Authors Abbas, Ahmad Abdi, Muhammad Nur Abdul Thalib Ade Trianna Agus Prasetyo Ahmad Abbas Ahmad Abbas Alamsjah Alamsjah, Alamsjah Amelia Rezki Septiani Amin Amin, Amelia Rezki Septian Ananda Fajarwati Andayaningsih, Sri Andi Rasdiyanti Arif, Muhammad Faisal Arizah, Ainun Asri Jaya Awanda Lestari Buia Ayaz, Mohammad Azzahra , Wa Ode Nayla Fatimah Basri Basir Beloan, Bertha Burhanuddin Burhanuddin Cisilia Doodoh Da'a, Fitrianti Darwis Said Dian Anggraini Dyastiarini, Astri Edi Prayogo Endang Winarsi Evi Nurul Husna Farman, Safril Febrianggi, Ayu Firman syah Haerani Haeranti Syam Hanafi, Kartini Handayani, Fany Arista Hannani Herdiana Herdiana Herman Callo Hernita Arifuddin Husna, Evi Nurul I Wayan Sujana Idrawahyuni Idrawahyuni Idrawahyuni, Idrawahyuni Ihsanul, Muhammad Inar Andriani Ismail Rasulong Jumiati Jumiati Khaerullah Khairunna Istiqamah Halim Laras Lestari Lestari, Nurma Linda Arisanty Razak Linda Arisanty Razak Linda Razak Maha Radwan Mairi, Marsya Utani Mande, Henni Marshanda Sultan Masud, Anis Anshari Mediaty Mira Mira Mohamad Ilham Mohammad Ayaz Muchran, Muchriady Muh. Alamsyah Perdana Putra Muh. Syarif Ahmad Muhaimin Muhaimin Muhammad Adil, Muhammad Muhammad Arjun Muhammad Nur Abdi Mutia Sirwaty mutiara mutiara Nabila Hidayani Nadhirah Nagu Nadiya Nur Fadilla Neks Triani Nur Lisal Nur Rezki Amalia Nur Sriani Nur'Izzah Amaliah Yusuf Nurafni Ansar Nuraini Nuraini Nuranisa Al Azighah Nurhalija, Nurhalija Nurhikmah SR Nurinaya, Nurinaya Nurlina Nurlina Nurul Iqza Nurul Nadya Nurwazaila, Nurwazaila Pasigai, Moh. Aris Pratiwi, Hesti Radwan, Maha Ramadana Ratna Ayu Damayanti Ratna Marta Dhewi Razak, Linda Arisanty Rini Purnamasari Risma Risma Rustam, Andi Sahrulllah, Sahrulllah Salam, Silviana Salwa Khaerunniza Samsinar Samsinar Sarfiah, Sarfiah Satriani , Nilla Satriawana Sentot Imam Wahjono Sentot Imam Wahjono Siskayanti Siti Irmayanti Sri Andriani Sri Andyaningsih Sri Utami Sunarti Sunarti Swasti, Tri Ika Syafika Nur Sabina Syahadat, Edy Fitriawan Syamsul, Nur Zhafika Syarifuddin, Safria Tangke, Paulus Triani, Neks W Warda Wafir, Ilham Akbar Wahyudi, Fiqi Wahyuni, Idra Wahyuni, Nia Wijaya, Cinby Cantika Yusran, Sri Wahyuni Pratiwi Yusuf , Yusfi Tsabita Nanda Zalkha Soraya