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All Journal Jurnal Al-Iqtishad Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Jurnal Embistek (Ekonomi, Manajemen Bisnis, Syariah dan Teknologi) Community Service Journal Of Economic Education
Damayanti, Umi Rachmah
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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FINANCIAL LITERACY AMONG MILLENNIALS AND ITS RELATIONSHIP WITH FINANCIAL KNOWLEDGE, SKILLS, ATTITUDES AND BEHAVIORS Damayanti, Umi Rachmah; Nirmala, Ade Ria; Nurani, Ratna
Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Vol 6, No 2 (2024): Jurnal Ilmu Akuntansi dan Bisnis Syariah
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/aksy.v6i2.35138

Abstract

This research aims to determine the level of financial literacy among the millennial generation in Pekanbaru City and understand the influence of financial knowledge, attitudes, and skills on financial behavior. The practical implications of this research are significant, as it can provide insights into how financial literacy can be improved among millennials. This research uses multiple linear regression analysis by conducting reliability and validity tests, classical assumption tests, and hypothesis tests. This type of research is quantitative descriptive research with a sample size of 100 respondents from the millennial generation in Pekanbaru City who have met the sample criteria. The research findings show that financial knowledge, attitudes, and skills positively and significantly affect financial behavior among the millennial generation in Pekanbaru. The coefficient of determination (R2) with an adjusted R square value of 0.876 or 87.6% shows that financial knowledge, attitudes, and skills influence 87.2% of financial behavior. In comparison, the remaining 12.4% is influenced by other variables not used in this research. Therefore, it is hoped that the millennial generation can implement their financial behavior well, not just following trends but considering the benefits they get from every financial decision. It is hoped that the government can also provide education regarding financial management behavior through advertising, social media, or outreach to the public, fostering a hopeful and optimistic future.
DISPLACED COMMERCIAL RISK AND ITS EFFECT ON ISLAMIC BANK CUSTOMER LOYALTY: AN ANALYSIS OF SUPPORTING FACTORS Damayanti, Umi Rachmah; Nirmala, Ade Ria; Nurani, Ratna
Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Vol 6, No 1 (2024): Jurnal Ilmu Akuntansi dan Bisnis Syariah
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/aksy.v6i1.31558

Abstract

The purpose of this study is to determine what factors encourage the emergence of Displaced Commercial Risk in Islamic banks and their effect on the loyalty of Islamic bank customers. Displaced Commercial Risk is a risk that occurs due to changes in the level of returns provided by banks to customers, resulting in indications that customers move some of their funds from Islamic banks to conventional banks. This study uses multiple linear regression analysis, by conducting reliability and validity tests, classical assumption tests and hypothesis testing. The sample of this research is Islamic Bank customers who have met the sample determination criteria of 150 respondents. The results showed that there are three factors driving the emergence of Displaced Commercial Risk in Islamic banks, namely the Return Rate, Islamic Bank Operations and Return Expectations. Of the three factors, the Expectation of Yield factor does not have a significant effect on the loyalty of Islamic Bank customers.
EDUKASI DAMPAK MEDIA SOSIAL TERHADAP KESEHATAN MENTAL REMAJA DI ERA DIGITAL Ustha, Endrianto; Nasrah, Hidayati; Nurwahidah, Ari; Damayanti, Umi Rachmah; Nuraini, Ratna
COMMUNITY SERVICE JOURNAL OF ECONOMICS EDUCATION Vol 4, No 1 (2025): Community Service Journal Of Economic Education
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/csjee.v4i1.37390

Abstract

Teknologi khususnya media sosial tidak dapat dipisahkan dari kehidupan masyarakat, banyak orang di sekitar kita khususnya remaja sangat bergantung pada media sosial. Menurut sebuah penelitian pada tahun 2015, lebih dari 2.000 remaja mengakses media sosial melalui ponsel mereka sebanyak 92% dari waktu mereka. Media sosial memiliki banyak pengaruh positif yang dapat kita terima, namun banyak pula pengaruh negatif yang terjadi akibat media sosial terutama pada kesehatan mental; kesehatan mental sangat penting di era saat ini karena banyak remaja yang mengalami depresi akibat bermain media sosial; banyak pula remaja yang mencoba mengakhiri hidupnya sendiri karena ejekan yang mereka dapatkan saat bermain media sosial. Remaja seharusnya dapat menjalani kehidupan mereka dengan baik tanpa harus memikirkan dampak negatif yang mereka terima akibat bermain media sosial, misalnya saja cyberbullying. Oleh karena itu, semua pemangku kepentingan perlu lebih memperhatikan kesehatan mental akibat media sosial khususnya remaja
FINANCIAL LITERACY AND FINANCIAL SELF-EFFICACY AND THEIR INFLUENCE ON RISKY CREDIT BEHAVIOR USING SHOPEE PAY LATER (STUDY ON GENERATION Z IN PEKANBARU CITY) Damayanti, Umi Rachmah
Jurnal Al-Iqtishad Vol 21, No 1 (2025): June 2025
Publisher : Economic and Science Faculty of Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jiq.v21i1.37556

Abstract

Risky Credit Behavior refers to the use of consumer credit in ways that may negatively impact future financial stability. This study examines how financial literacy and financial self-efficacy influence risky credit behavior when using Shopee PayLater among Generation Z in Pekanbaru City. The research employs multiple linear regression analysis, including reliability and validity tests, classical assumption tests, and hypothesis testing. Using a quantitative descriptive approach, the study gathers data from 632 eligible Generation Z respondents in Pekanbaru. The results indicate that both financial literacy and self-efficacy significantly affect risky credit behavior in Shopee PayLater usage. The adjusted R-squared value of 0.105 (10.5%) suggests that these two factors explain 10.5% of the variation in risky credit behavior
ANALISIS PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN FINANCIAL TECHNOLOGY TERHADAP UMKM DI KOTA PEKANBARU Damayanti, Umi Rachmah; Nirmala, Ade Ria
Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi Vol. 3 No. 2 (2024): Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/embistek.v3i2.131

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, inklusi keuangan dan financial Technology terhadap kinerja UMKM d kota Pekanbaru. Jenis penelitian ini adalah penelitian deskripkif kuantitatif dengan jumlah sampel 100 responden UMKM di Kota Pekanbaru yang telah memenuhi kriteia sampel. Hasil penelitian ini menunjukkan secara parsial literasi keuangan dan Financial Technology berpengaruh positif dan signifikan terhadap Kinerja keuangan UMKM di kota Pekanbaru. Koefisien Determinasi (R2) dengan nilai adjusted R square 0,230 atau 23,0% yang menunjukkan bahwa literasi keuangan, inklusi keuangan, dan financial Technology berpengaruh sebesar 23,0% terhadap kinerja keuangan, sementara sisanya 77% dipengaruhi oleh variabel lain yang tidak digunakan dalam penelitian ini.
Co-Authors Nasrah, Hidayati Nirmala, Ade Ria Nuraini, Ratna Nurani, Ratna Nurwahidah, Ari Ustha, Endrianto