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All Journal Margin: Jurnal Lentera Managemen Keuangan Media Riset Bisnis Ekonomi Sains dan Terapan Annusfy
Cynthia Dikna Sari
Politeknik Negeri Jakarta
Religion Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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ANALISIS PENGARUH QRIS PADA PENGELUARAN IMPULSIF DAN RASIONAL GENERASI Z Cynthia Dikna Sari; Rifka Audinasari; Fajriana Khusnul Khatimah
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 5, No 2 (2026): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v5i2.1042

Abstract

This study aims to analyze the dynamics of Generation Z's financial behavior in the digital era by examining the influence of QRIS availability, financial knowledge, savings and loan instruments, and investments on impulsive and rational spending. Using regression analysis, the results show that the ease of transactions through QRIS creates a behavioral paradox, where this system significantly encourages impulsive spending (55% of the variation in impulsivity is explained by QRIS use) while simultaneously weakening rational spending control.The research findings confirm that financial knowledge serves as a vital cognitive control mechanism; high financial literacy is negatively correlated with impulsive spending and positively correlated with rational spending. Furthermore, this study reveals the dual impact of owning financial instruments (savings and loans), which can trigger impulsive consumption if viewed solely as liquidity, but can foster rationality when managed within a future planning framework. Investments prove to be the most effective strategic instrument in curbing impulsive behavior, by shifting Generation Z's paradigm from viewing money as a consumptive medium of exchange to a long-term asset of value. Overall, this study concludes that the efficiency of digital payment technology requires mature financial literacy and investment discipline to prevent a shift in consumption patterns to unplanned ones.Keywords:  QRIS, Impulsive Spending, Rational Spending, Financial Knowledge, Generation Z, Investment.
Analisis Implementasi Sistem Coretax pada Siklus Pelaporan Pajak di PT Anugerah Bata Indonesia Puspita Maelani; Irma Oktiani; Muthia Ulfa; Rifka Audinasari; Fajriana Khusnul Khotimah; Bangun Widoyoko; Cynthia Dikna Sari; Maulana Agung Saputro
Annusfy : Journal of Multidisciplinary Research Vol. 1 No. 5 (2026): January 2026 , Annusfy
Publisher : Jaanur Elbarik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65065/hkg6bx62

Abstract

This study aims to analyze the implementation of the CoreTax system in the tax reporting cycle at PT Anugerah Bata Indonesia, identify the challenges faced by the company in the implementation process, and evaluate efforts to address these challenges. The research method used is descriptive qualitative with data collection techniques including in-depth interviews, observation, and documentation. Data were analyzed using a thematic approach to explore the impact of CoreTax implementation on the company's tax reporting. The results show that CoreTax is able to improve reporting efficiency, integrate various tax administration functions, and reduce manual workload
Minat Bertransaksi Buy Now Pay Later Pada Mahasiswa Akuntansi: Peran Literasi Keuangan, Inklusi Keuangan, dan Money Management Irma Oktiani; Fajriana Khusnul Khotimah; Bangun Widoyoko; Cynthia Dikna Sari
Margin: Jurnal Lentera Managemen Keuangan Vol. 4 No. 02 (2026): Agustus 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/margin.v4i02.1374

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan dan literasi keuangan terhadap minat bertransaksi menggunakan layanan buy now pay later (BNPL) pada mahasiswa Jurusan Akuntansi Politeknik Negeri Jakarta (PNJ), serta menguji peran money management sebagai variabel mediasi dalam hubungan tersebut. Pendekatan yang digunakan adalah kuantitatif eksplanatoris dengan analisis data menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui perangkat lunak SmartPLS 4.0. Data diperoleh melalui kuesioner daring yang disebarkan kepada 124 mahasiswa aktif Jurusan Akuntansi Politeknik Negeri Jakarta dengan menggunakan teknik purposive sampling. Literasi keuangan ditemukan berpengaruh positif dan signifikan terhadap minat bertransaksi BNPL. Sebaliknya, inklusi keuangan tidak memiliki pengaruh signifikan. Lebih lanjut, money management terbukti tidak memediasi hubungan antara inklusi keuangan maupun literasi keuangan dengan minat bertransaksi BNPL. Peningkatan literasi keuangan merupakan faktor determinan utama dalam membentuk minat mahasiswa terhadap layanan BNPL, sedangkan akses keuangan formal dan kemampuan money management belum terbukti signifikan. Oleh karena itu, direkomendasikan penguatan kurikulum pendidikan keuangan yang mencakup materi literasi keuangan personal di lingkungan perguruan tinggi vokasi.
Co-Authors Bangun Widoyoko Fajriana Khusnul Khatimah Fajriana Khusnul Khotimah Irma Oktiani Maulana Agung Saputro Muthia Ulfa Puspita Maelani Rifka Audinasari