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Journal : Management Analysis Journal

Financial Well-being in Digital Environment: Evidence from Indonesia Rita Rahayu; Syahril Ali; Verni Juita; Lisa Fitriani Rahman
Management Analysis Journal Vol 12 No 4 (2023): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v12i4.75815

Abstract

Penelitian ini bertujuan untuk memberikan gambaran mengenai konsep kesejahteraan finansial dari sudut pandang masyarakat di Indonesia. Selain itu, penelitian ini juga mencoba melihat apakah faktor individu merupakan faktor penting yang menentukan kesejahteraan finansial masyarakat di Indonesia. Penelitian ini menggunakan metode campuran yang menggabungkan Focus Group Discussion (FGD) dan metode survei. Dalam penelitian ini FGD digunakan untuk mengumpulkan informasi mengenai persepsi masyarakat terhadap konsep kesejahteraan finansial, dan dalam FGD ini diikuti oleh 13 informan. Sedangkan metode survei digunakan untuk mengidentifikasi faktor-faktor yang mempengaruhi kesejahteraan finansial. Dalam hal ini, terdapat 291 responden yang berpartisipasi dalam survei online. Data yang diperoleh dari FGD diolah menggunakan NVIVO, sedangkan data yang diperoleh dari survei dianalisis menggunakan SPSS. Hasil penelitian ini menunjukkan bahwa usia, status perkawinan, status pekerjaan, pendidikan terakhir, dan jumlah pendapatan menentukan tingkat kesejahteraan di Indonesia. Hasil penelitian ini diharapkan dapat menjadi bahan pertimbangan berbagai pihak dalam mengambil kebijakan, khususnya kebijakan yang berkaitan dengan mendorong peningkatan kesejahteraan masyarakat.
Understanding Impulsive Buying Behaviour Among Buy Now Pay Later (BNPL) Users and its Implication for Overconsumption and The Environment Verni Juita; Vera Pujani; Rida Rahim; Rita Rahayu
Management Analysis Journal Vol 12 No 4 (2023): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v12i4.75816

Abstract

Over the last decade, the popularity of "buy now, pay later" (BNPL) in Indonesia has been increasing due to the various attractive offers available to consumers. However, the unwise use of BNPL may cause impulsive buying behavior, leading to excessive consumptions and waste productions that ultimately negatively affect the environment. Therefore, it is important to understand factors influencing the use of BNPL and impulsive buying behavior in order to help the BNPL users to use it more responsibly, ultimately control their consumption and reduce unnecessary wastes. This study explores the influence of BNPL users' digital financial literacy, self-control, and perceived risk on their impulsive buying behaviors. This study surveys BNPL users in Indonesia through various online channels. Using PLS Smart 3.0 on the survey data of 185 respondents of BNPL users, this study found that digital financial literacy and self-control influenced the impulsive buying behavior of BNPL users. However, the results also show that self-control has a greater influence than digital financial literacy on the impulsive buying behavior of BNPL users. In contrast, risk perception showed the opposite result. Hence, a policy strategy involving self-control and DFL in minimizing impulsive buying should be implemented to avoid overconsumption and waste crises.
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 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 Fery Adrianus Fitraharizki, F Fitriani, Rani Gayatri, Satya Ghina Luqyana Ref Haerani Maksum Hakimi, Nurul Halimah Tusya Diah Harits, Muhammad Dzakwan El Henri Setiawan Hukmi, Wilda Husna Roza Husnul Khatimah Idun Ariastuti Indah Fajarini Sri Wahyuningrum, Indah Fajarini Sri Irpan Ali Rahman Judith Zakary Liawati, Nunung Lidiyawati, Herlina Linda Agustina Lisa Fitriani Rahman Ludipa, Olin Meisa Mamat Pratama, Mamat Manel, Helmi Azizati Mardhiyah, Sayang Ajeng Meuthia, Meuthia Muammar Fawwaz Muhammad Wafiq Mutiara Candra Nada Salsabila Arsy Nazhfiyani KS Novianty, Lia Nurapandi, Adi Nurkamilah, Andi Nurlaila Fitriani Pondrinal, Muhammad Purnairawan, Yosep Rahayu Dinassari Rahmat Febrianto Ramadani, Rima 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