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All Journal Jurnal Strategi Bisnis Teknologi Jurnal Ilmu Manajemen dan Bisnis (JURMANIS)
Candra Candra
Universitas Prof Dr Hafiz MPH
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Integrasi Financial Technology dan Literasi Keuangan dalam Membentuk Keputusan Investasi Generasi Milenial di Era Ekonomi Digital Candra Candra; Chusnul Maulidina Hidayat; Deni Sunaryo
Jurnal Strategi Bisnis Teknologi Vol. 2 No. 2 (2025): Mei : Jurnal Strategi Bisnis Teknologi (JUSBIT)
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jusbit.v2i2.1583

Abstract

Background: This study is based on the rapid development of financial technology (fintech), which has driven changes in financial behavior, particularly among the millennial generation. However, this growth has not been fully supported by adequate financial literacy, potentially affecting the quality of investment decisions. Objective: This study aims to analyze the influence of fintech and financial literacy on investment decisions among millennials. Methods: The study employs a quantitative approach with an explanatory design, involving 150 respondents selected using purposive sampling. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression, supported by validity, reliability, and simultaneous tests. Results: The findings indicate that fintech and financial literacy have a positive and significant effect on investment decisions, both partially and simultaneously, with fintech showing a more dominant influence. These results suggest that ease of access and technological advancements are key drivers of investment activities, while financial literacy serves as a fundamental factor in enhancing rational decision-making. Therefore, the integration of fintech and financial literacy is essential in improving the quality of investment decisions in the digital era.
Transformasi Digital UMKM Berbasis Kearifan Lokal Sunda: Sebuah Strategi untuk Pemberdayaan Ekonomi Daerah Candra Candra; Chici Riansih Chici Riansih
Jurnal Ilmu Manajemen dan Bisnis Vol. 2 No. 01 (2026): Jurnal Ilmu Manajemen dan Bisnis
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN MASYARAKAT UNIVERSITAS SAPTA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65369/22wqsy26

Abstract

Penelitian ini mengeksplorasi transformasi digital UMKM di Kabupaten Cianjur dalam konteks budaya Sunda, menggunakan pendekatan mixed-methods. Data kuantitatif diperoleh dari survei 85 pelaku UMKM dan dianalisis menggunakan statistik deskriptif, korelasi, serta regresi linier berganda dengan SPSS, sementara data kualitatif berasal dari enam wawancara mendalam dan dianalisis secara tematik menggunakan NVivo. Hasil kuantitatif menunjukkan bahwa Adopsi Digital dan Integrasi Kearifan Lokal Sunda berpengaruh signifikan terhadap kinerja usaha. Analisis kualitatif menegaskan pentingnya nilai budaya (silih asah, silih asih, silih asuh) dalam mendukung kolaborasi, strategi digital yang tetap menghargai budaya lokal, serta tantangan seperti literasi digital terbatas dan infrastruktur kurang memadai. Triangulasi data memperkuat validitas temuan, menunjukkan bahwa integrasi teknologi dan kearifan lokal dapat meningkatkan performa UMKM sekaligus memberdayakan ekonomi regional. Penelitian ini memberikan implikasi bagi strategi digital UMKM yang sensitif budaya serta pengembangan kebijakan pemberdayaan ekonomi berbasis komunitas
Co-Authors Chici Riansih Chici Riansih Chusnul Maulidina Hidayat Deni Sunaryo, Deni