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All Journal OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi TRILOGI: Jurnal Ilmu Teknologi, Kesehatan, dan Humaniora Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi
Dia Auliatur Rohmah
Universitas Nurul Jadid
Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Public Health Social Sciences Other

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Pengaruh Literasi Keuangan terhadap Spending Behavior Mahasiswa Penerima Beasiswa Bank Indonesia Rizki Febri Eka Pradani; Fadhillatus Sholihah; Dita Wulandari Agustin; Dia Auliatur Rohmah; Laily Fitriya; Dini Fitriani Ali
TRILOGI: Jurnal Ilmu Teknologi, Kesehatan, dan Humaniora Vol 6, No 4 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/trilogi.v6i4.13309

Abstract

This study aims to analyze the effect of financial literacy on the spending behavior of Bank Indonesia Scholarship recipients at Universitas Nurul Jadid (UNUJA). The research employs a quantitative associative-causal approach with a sample of 80 scholarship recipients from 2023–2025. Data were collected through questionnaires and analyzed using simple linear regression with SPSS version 26. The results show that the financial literacy variable has a t-value of -1.344, lower than the t-table value of 2.012, with a significance level of 0.185 (> 0.05). This indicates that financial literacy has a negative but insignificant effect on students’ spending behavior. It implies that students’ financial understanding has not been fully reflected in their actual financial practices, as social factors, lifestyle, and campus environment still influence their spending patterns. This study highlights the need for more practical and value-based financial literacy programs so that scholarship recipients not only understand financial concepts but also apply them wisely and responsibly in daily life.
Pengaruh Platfrom E-Commerce Terhadap Perilaku Konsumen Gen-Z: Studi Kasus Prodi Ekonomi Universitas Nurul Jadid Deddy Junaedi; Fadhillatus Sholihah; Dini Fitriani Ali; Dita Wulandari Agustin; Dia Auliatur Rohmah
HATTA : Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi Vol 1 No 2 (2023): Oktober
Publisher : STKIP MAJENANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62387/hatta.v1i2.52

Abstract

With a case study focus on students of the Economics Study Program at Nurul Jadid University, this research seeks to examine how e-commerce platforms influence the purchasing habits of Generation Z. As digital natives, Generation Z is highly influenced by digital technology, including e-commerce platforms, which influence their consumption habits and purchasing choices. This research combines research data from secondary sources, such as literature, with qualitative methodologies study. This study's method of gathering data is a literature review. According to research findings, Gen-Z customer behavior is highly influenced by e-commerce platform features including user ratings, promotions, ease of access, and flexible payment options. The accessibility and attractiveness of platform promotions are key determinants of consumption behavior. These results have significant consequences for e-commerce players looking to improve marketing tactics and attract Gen-Z customers.
TRANSFORMASI PINJAMAN NONFORMAL BERBASIS WHATSAPP DALAM PERSPEKTIF MODAL SOSIAL MASYARAKAT DESA SUKOREJO: TRANSFORMATION OF WHATSAPP-BASED NON-FORMAL LOANS FROM THE SOCIAL CAPITAL PERSPECTIVE OF THE SUKOREJO VILLAGE COMMUNITY Dia Auliatur Rohmah; Riski Febri Eka Pradani
OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol 10 No 2 (2026): OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/oikos.v10i2.47368

Abstract

The phenomenon of limited access to formal financial institutions in rural communities has driven the development of informal lending practices, which are now undergoing a digital transformation through the WhatsApp application. This study aims to analyze the transformation of WhatsApp-based informal lending mechanisms and its implications for the sustainability of community businesses in Sukorejo Village. The method used was qualitative with a descriptive approach through observation, interviews, and documentation. The results indicate that informal lending practices have transformed from conventional systems to digital ones that are faster, more flexible, and more efficient. The main driving factors include ease of access, speed of disbursement, urgent economic needs, and low financial literacy. Furthermore, this practice is influenced by social capital in the form of trust, social closeness, and interpersonal networks. The resulting impact is dualistic, providing short-term benefits in access to capital but potentially incurring long-term risks such as high interest rates and debt dependence. Thus, this digital transformation has not fully improved community welfare.
Co-Authors Deddy Junaedi Dini Fitriani Ali Dita Wulandari Agustin Fadhillatus Sholihah Laily Fitriya Riski Febri Eka Pradani Rizki Febri Eka Pradani