Article Per Year (5 Year)
p-Index From 2021 - 2026
0.835
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Manajemen Kesatuan JURNAL ECONOMINA WASILATUNA: JURNAL KOMUNIKASI DAN PENYIARAN ISLAM
Achmad Kautsar
Universitas Negeri Surabaya, Indonesia
Economics, Econometrics & Finance Social Sciences

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
The Effect of Financial Knowledge and Subjective Norm on Shopee Paylater Use Intention with Perceived Trust as Mediator Al-Kairana Mazaya. A; Achmad Kautsar; Anita Safitri; Dhiyan Septa Wihara
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.4998

Abstract

The rapid growth of digital financial services and the increasing popularity of buy now, pay later platforms have transformed consumer payment behavior, particularly among younger generations who are highly engaged with digital technology, This study examined the determinants of intention to use Shopee PayLater among female Generation Z university students in Surabaya by integrating financial knowledge and subjective norm within the Theory of Planned Behavior, with perceived trust as a mediating variable. Using a quantitative explanatory approach, data were collected through an online questionnaire from 150 respondents and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). Data were collected in 2025. The results revealed that financial knowledge did not have a direct effect on intention to use but significantly influenced perceived trust. Subjective norm showed a strong and significant direct effect on intention to use, while perceived trust significantly mediated the relationship between financial knowledge and intention to use. These findings highlight the dominant role of social influence and trust in shaping paylater adoption and imply that enhancing transparency and trust-building strategies is more critical than financial literacy alone for encouraging responsible use among Generation Z consumers.
YouTube Live Streamer Sustainability:: Presence, Interactivity, and Attractiveness on Viewer Flow Experience. Dio Doni Harson; Hujjatullah Fazlurrahman; Fresha Kharisma; Achmad Kautsar
Wasilatuna: Jurnal Komunikasi dan Penyiaran Islam Vol. 9 No. 1 (2026): April | Special Edition
Publisher : Program Studi Komunikasi dan Penyiaran Islam Fakultas Dakwah Universitas Islam Internasional Darullughah Wadda'wah Bangil Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study analyzes the effects of social presence, interactivity, and attractiveness on the flow experience of YouTube Live viewers in Indonesia. Despite the rapid growth of digital broadcasting, sustaining optimal audience engagement remains a challenge, necessitating further investigation into its communicative determinants. Employing an explanatory quantitative design, data were collected from 100 active viewers via purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) within the Stimulus-Organism-Response (S-O-R) framework. The findings indicate that social presence, interactivity, and attractiveness exert a significant positive effect on viewers' flow experience, with streamer attractiveness emerging as the strongest predictor. Ultimately, this study highlights live streaming not merely as an entertainment tool but as a dynamic digital communication space. The results emphasize that fostering two-way communication and a supportive online environment is vital for content creators to sustain audience immersion in new media platforms.
Analysis of the Influence of Financial Literacy, Digital Literacy, and Financial Behavior on Interest in Using Shopee PayLater in Surabaya City Sultan Dimas Nugraha; Achmad Kautsar; Nanang Hoesen Hidroes Abbrori; Hujjatullah Fazlurrahman
JURNAL ECONOMINA Vol. 5 No. 9 (2026): JURNAL ECONOMINA, September 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i9.4130

Abstract

The rapid growth of Buy Now Pay Later (BNPL) services in Indonesia has transformed consumer financial behavior, yet the factors underlying adoption intention remain underexplored in an integrated framework. This study examines the effects of financial literacy, digital literacy, and financial behavior on the intention to use Shopee PayLater in Surabaya. A quantitative explanatory approach was employed using primary data from 132 respondents who were aware of or had used Shopee PayLater, selected through purposive sampling. Data were analyzed using multiple linear regression with SPSS 26. All 24 instrument items were valid, with excellent reliability across the four constructs (Cronbach's Alpha = 0.937–0.952). The regression results show that financial literacy (B = 0.219; t = 2.272; p = 0.025), digital literacy (B = 0.299; t = 3.507; p = 0.001), and financial behavior (B = 0.341; t = 3.951; p < 0.001) each have a positive and significant effect on the intention to use Shopee PayLater. Simultaneously, the three variables significantly affect usage intention (F = 32.091; p < 0.001), explaining 42.9% of its variance (R2 = 0.429). Financial behavior has the largest regression coefficient, indicating its stronger statistical association with usage intention compared with financial and digital literacy. The findings support the integration of the Technology Acceptance Model and Theory of Planned Behavior in explaining BNPL adoption and provide practical insights for regulators and digital financial service providers in promoting responsible fintech adoption.
The Role of Payment Gateways, Platform-Based Lending, and Technopreneurship on the Financial Performance of MSMEs in Sidoarjo Regency Farrel Rafi Danendra; Achmad Kautsar; Renny Sari Dewi; Muhammad Fajar Wahyudi Rahman
JURNAL ECONOMINA Vol. 5 No. 9 (2026): JURNAL ECONOMINA, September 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i9.4134

Abstract

Digital transformation has reshaped how Micro, Small, and Medium Enterprises (MSMEs) operate, with financial technology increasingly positioned as a determinant of business performance. This study examines the influence of payment gateway, platform-based lending, and technopreneurship on the financial performance of MSMEs in Sidoarjo Regency. A quantitative explanatory approach was applied using primary data collected from 77 MSME respondents who had adopted financial technology services, selected through simple random sampling. Data were analyzed using multiple linear regression with the assistance of SPSS 25.0. All 26 instrument items were declared valid (r > 0.224, Sig. = 0.000) and the four constructs demonstrated high reliability (Cronbach's Alpha 0.944–0.964). Classical assumption tests confirmed that the regression residuals were normally distributed, free from multicollinearity, and free from heteroscedasticity. The regression results show that payment gateway (B = 0.470; t = 7.972; p = 0.000), platform-based lending (B = 0.152; t = 2.658; p = 0.010), and technopreneurship (B = 0.394; t = 6.253; p = 0.000) each have a significant positive effect on MSME financial performance, both partially and simultaneously (F = 64.336; p = 0.000; R-squared = 0.726). Payment gateway emerged as the strongest predictor, indicating that transactional efficiency is the most immediate lever of financial performance among Sidoarjo's MSMEs. These findings reinforce the relevance of the Technology Acceptance Model in explaining fintech adoption among small businesses and offer practical implications for policymakers and digital finance providers seeking to accelerate MSME digitalization.
Co-Authors Al-Kairana Mazaya. A Anita Safitri Dhiyan Septa Wihara Dio Doni Harson Farrel Rafi Danendra Fresha Kharisma Hujjatullah Fazlurrahman Muhammad Fajar Wahyudi Rahman Nanang Hoesen Hidroes Abbrori Renny Sari Dewi Sultan Dimas Nugraha