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Journal : Operations Management and Information System Studies

The level of digital financial literacy and financial well-being of people in West Sumatra Indonesia Rita Rahayu; Verni Juita; Annisa Rahman; Suci Fitriamiranti; Ratnawati Rafles
Operations Management and Information System Studies Vol. 2 No. 2 (2022): Operations Management and Information System Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/omiss.v2i2.73

Abstract

This study aims to investigate the factors that influence the level of digital financial literacy (DFL) of the people in West Sumatra. This study is also aimed to investigate the impact of DFL on financial well-being and financial problem. Survey method by using online questionnaire was applied in this study. Based on data from 715 respondents analyzed by using Structural Equation Model, it was found that the social-economic factors, such as age, educational background, and income, have a positive and significant relationship with the level of DFL. Moreover, this study also found that the DFL has a positive impact on financial well-being and financial problem. It means that the higher of DFL, the higher the financial well-being, while the higher DFL, the lower financial problems. This research provides empirical evidence regarding the impact of DFL on financial well-being that might be useful for the policymaker to make a policy related to the DFL.
Impact, benefits, security, and privacy of fintech adoption in Indonesia: A literature review Verni Juita; Husna Roza; Rita Rahayu
Operations Management and Information System Studies Vol. 2 No. 3 (2022): Operations Management and Information System Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/omiss.v2i3.74

Abstract

The growth of Financial Technology (FinTech) in Indonesia has continued to increase in recent years, along with the development of information technology and the use of the internet. These developments have driven the rapid growth of studies related to Fintech in Indonesia. In this regard, this research intends to conduct a systematic literature review of various studies related to FinTech in Indonesia that were made and published in the last ten years. To achieve this objective, this study utilizes the publish and perish application version 7 to access the Google Scholar database and select it using several keywords that match this research topic. The reviewed studies were selected based on the level of accreditation of the journal where the research articles were published, either by national accreditation (Sinta) or international accreditation (Scopus). Furthermore, they were analyzed and processed using simple descriptive statistical analysis using MS Excel. This research found that over the past ten years, there are 79 journal articles related to Fintech in Indonesia, of which 44 of them are published in journals accredited by Sinta, and the rest 35 were accredited by Scopus. Moreover, most of the reviewed studies only discuss the usage of Fintech in general, especially those related to the use of P2P Lending and mobile payments. Regarding the methodology used in the studies, there are significant differences between journal articles published in the Scopus and Sinta Journals. The Scopus-accredited journal articles are dominated by research using quantitative methods, whereas the Sinta-accredited journal articles tend to use qualitative methods. These results highlight that there is still plenty of room to extend the research topic of fintech studies in Indonesia, such as the security and privacy issues related to fintech adoption.
Co-Authors Abdul Karib Afandi Afandi Ahwan Sholih Al-Ichwani, Azzahra Amalda Aulia Amir, Mayasyanti Dewi Andre Kurniawan Anne Putri Annisa Rahman Asmarawanti, Asmarawanti Asniati, Asniati Aulia, Amalda Azizah, Nikmatul Azni Srimaydila Aziz Azra Ramizah Bahari, Asniati Bin Sansuwito, Tukimin Budi Rahmadya Chodir, Fatkul Defriko Gusma Putra Deline Azzukruf Marses Delva Muharni Denny Yohana Deny Yohana Dewi Permatasari, Dewi Dhini Suryandari, Dhini Dodi Suryadi, Dodi Eka Budiarto, Eka Eka Permana, Revi Emdat Suprayitno ERI BESRA, ERI Erna Safariyah F Fitraharizki Fahmy, Rahmi Fanessa, Fanessa Fayza Khairani Syafril Fery Adrianus Fitraharizki, F Fitriani, Rani Gayatri, Satya Ghina Luqyana Ref Haerani Maksum Hakimi, Nurul Halimah Tusya Diah Harits, Muhammad Dzakwan El Helmi Azizati Manel Henri Setiawan Hukmi, Wilda Husna Roza Husnul Khatimah Idun Ariastuti Indah Fajarini Sri Wahyuningrum, Indah Fajarini Sri Irpan Ali Rahman Jogi Fernando Judith Zakary Liawati, Nunung Lidiyawati, Herlina Linda Agustina Lisa Fitriani Rahman Ludipa, Olin Meisa Mamat Pratama, Mamat Mardhiyah, Sayang Ajeng Mazelfi, Ihsani Meuthia, Meuthia Muammar Fawwaz Muhammad Wafiq Mutiara Candra Nada Salsabila Arsy Nazhfiyani KS Novianty, Lia Nurapandi, Adi Nurkamilah, Andi Nurlaila Fitriani Pebriani Kurnia Ningsih Pondrinal, Muhammad Purnairawan, Yosep Rahayu Dinassari Rahmat Febrianto Ramadani, Rima Ramda Kurniawan Ratnawati Rafles Ratni Prima Lita Rayna Kartika, Rayna Retnoningrum Hidayah Ria Andriani Rida Rahim Safitri, Embun Iindrajati Saldi, Wardah Awwalin Sanda Patrisia Komalasari Saparuddin Latu Sari, Dellani Mutia Selvy Mozin Septin Maisharah K Silfia Riski Sri Dewi Edmawati Sri Kartika Afini Suci Fitriamiranti Sukirman - Sunaras, Syawallya Sundewi, Alis Suryani, Indah Permata Suziana, Suziana Syafira, Tama Aulia Syahril Ali Teten Tresnawan Triani, Laura Amelia Trisni Suryarini Vera Pujani Verinita, Verinita Verni Juita Viya Guziana Sari Wati, Nenden Lesmana Wilda Hukmi Yanti Yanti YANTI, PENTI DORA Yeni Yulianti Yuhandri Yuhandri, Yuhandri