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All Journal MANKEU (JURNAL MANAJEMEN KEUANGAN)
Lilis Karlina
Universitas Islam Indragiri
Economics, Econometrics & Finance Social Sciences

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REFLECTION ON THE MINIMALIST LIFESTYLE AND ITS INFLUENCE ON MENTAL HEALTH AND FINANCIAL STABILITY: A STUDY AUTO ETHNOGRAPHYPOST-PANDEMIC STUDENTS Lilis Karlina; Mardiana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 2 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i2.216

Abstract

This research is a study auto ethnography. This article reflects the author's personal experience as a post-pandemic student facing the increasing consumer pressures brought on by the development of social media. In a digital era that promotes instant, aesthetic, and viral lifestyles, students find themselves caught in a vortex of social standards shaped by algorithms and digital imagery. Through a reflective narrative, the author illustrates how choosing a minimalist lifestyle is not only a financial decision but also a strategy for maintaining mental health. This research confirms that impulsive consumption often stems from emotional impulses and digital social pressures, rather than real needs. Therefore, contextual consumption literacy is needed that can equip the younger generation with awareness, resistance to visual influences, and the ability to organize life priorities. The results of this study are expected to contribute to the development of financial literacy and mental health based on real experiences.
ANALYSIS OF FINTECH PEER-TO-PEER (P2P) LENDING APPLICATIONS IN IMPROVING FINANCING ACCESS FOR MSMEs IN INDONESIA Lilis Karlina; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.220

Abstract

This study aims to analyze the role of peer-to-peer (P2P) lending fintech applications in improving access to financing for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Using qualitative methods, this study explores several leading fintech applications, including Modalku, Kredivo, Akseleran, and ALAMI Funding Syariah. The results show that these applications provide fast, easy, and transparent financing alternatives for MSMEs that often experience difficulties in obtaining capital from traditional financial institutions. Furthermore, this study identifies differences in business models, market segments, and the benefits and risks faced by users and investors. These findings are expected to provide insights for stakeholders, including the government, industry players, and the public, in efforts to increase financial inclusion in Indonesia. With a better understanding of P2P lending applications, it is hoped that a more inclusive and sustainable financial ecosystem can be created, contributing to national economic growth.
Co-Authors Mardiana MUHAMMAD FAUZAN