Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Jurnal Ragam Pengabdian
Sa’diyah, Nur
Unknown Affiliation
Environmental Science Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Pengaruh Digital Marketing dan Online Customer Review Terhadap Keputusan Pembelian Mahasiswa Universitas Balikpapan di E-Commerce Shopee Sa’diyah, Nur; Nira Dewi Susanti; Riza Tri Permadi; Diah Anggraini; Syahril Hasan
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/94ssaq37

Abstract

This study aims to examine how digital marketing and online customer reviews influence purchasing decisions. The data used in this study were obtained through questionnaires distributed to students at Balikpapan University. There were 167 respondents involved in this study. The sampling method used in this research is non-probability sampling. This study utilizes a Likert scale for measurement and analyzes the data using Smart PLS. Based on the research findings, it is concluded that digital marketing and online customer reviews have a positive effect on purchasing decisions on the Shopee e-commerce platform.
Pengaruh Literasi Keuangan, Financial Technology dan Locus of Control terhadap Penggunaaan Paylater kepada Mahasiswa Universitas Balikpapan Permadi, Riza; Anggraini, Diah; Susanti, Nira Dewi; Sa’diyah, Nur; Nurlia, Nurlia
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/2d8cqs58

Abstract

The development of financial technology has encouraged changes in financial behavior, especially among students as active users of digital services. One of the rapidly growing services is paylater, which offers transaction convenience through deferred payment systems. However, uncontrolled use of paylater may create personal financial risks such as consumptive behavior and debt accumulation. This study aims to analyze the influence of financial literacy, financial technology, and locus of control on the use of paylater among students at Universitas Balikpapan from a financial risk management perspective. This study uses a quantitative method with data collection techniques through questionnaires distributed to students of Universitas Balikpapan. The sampling technique used is non-probability sampling with a purposive sampling approach. Data analysis was conducted using Structural Equation Modeling based on Partial Least Square (SEM-PLS) with the assistance of SmartPLS software. The results are expected to show that financial literacy, financial technology, and locus of control significantly influence the use of paylater. This study implies that financial understanding, technological convenience, and self-control are important factors in minimizing financial risks arising from the use of digital credit services. This research is expected to serve as an evaluation material for students to be wiser in using paylater services and to increase awareness of personal financial risk management.
Co-Authors Diah Anggraini Diah Anggraini, Diah Nira Dewi Susanti Nurlia Nurlia Permadi, Riza Riza Tri Permadi Susanti, Nira Dewi Syahril Hasan