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All Journal SEIKO : Journal of Management & Business Journal of Humanities and Social Studies Prosiding Semhavok MBIA Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Ilomata International Journal of Management Dinasti International Journal of Digital Business Management JIBM Ilomata International Journal of Management JINAV: Journal of Information and Visualization Jurnal Disrupsi Bisnis International Journal of Finance Research International Journal of Marketing and Human Resource Research Forum Bisnis dan Kewirausahaan Jurnal Ekonomi Jurnal Pengabdian kepada Masyarakat Bina Darma Jurnal Hasi Penelitian Dan Pengkajian Ilmiah Eksakta - JPPIE Jurnal Pengabdian Masyarakat Information Technology (JPM ITech) Journal of Management Analytical and Solution Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Mestaka: Jurnal Pengabdian Kepada Masyarakat Nanggroe: Journal Of Scholarly Service Sinergi International Journal of Management and Business Nanggroe: Journal of Scholarly Service Journal Of Management Analytical and Solution (JoMAS) Journal of Social Work and Science Education Jurnal Penelitian Multidisiplin Bangsa Jurnal Pengabdian Masyarakat Inovasi Indonesia
Mellita, Dina
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Pengambilan Keputusan Mahasiswa Dalam Berinvestasi pada Pojok Bursa Fitriasuri, Fitriasuri; Dinata, Muhammad Iskandar; Mellita, Dina; Elpanso, Efan; Noviardy, Andrian
MBIA Vol. 23 No. 1 (2024): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/mbia.v23i1.3005

Abstract

Students are the young generation who will face financial complexity and risk. Therefore, students must be smart and wise in managing their finances through investment activities. This research analyzes the influence of financial literacy, financial performance, experience regret, and motivation on students' investment decision-making. This research is quantitative research that uses primary data originating from distributing questionnaires. The sampling technique is a simple random sampling technique with the Slovin formula to determine size. The number of respondents in the sample was 88 people. The tests were instrument tests, hypothesis tests, classical assumption tests, and multivariate linear regression analysis. Research results based on the t-test show that financial literacy and financial efficacy influence each individual's investment decisions. Meanwhile, unpleasant experiences and motivation variables do not affect individual investment decisions. However, the F test results show that financial literacy, financial efficacy, unpleasant experiences, and motivation significantly influence students' investment decisions at the Faculty of Social Humanities, Bina Darma University Palembang. Keywords: Literacy, Efficacy, Experienced, Motivation, Investment Abstrak Mahasiswa adalah generasi muda yang akan menghadapi kompleksitas dan risiko finansial di masa depan. Oleh karena itu mahasiswa perlu cerdas dan bijak dalam mengelola keuangannya melalui kegiatan investasi. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, kinerja keuangan, perasaan menyesal dan motivasi terhadap pengambilan keputusan investasi mahasiswa. Penelitian ini merupakan penelitian kuantitatif yang menggunakan data primer yang berasal dari penyebaran kuesioner. Teknik pengambilan sampelnya adalah teknik simple random sampling dengan rumus Slovin untuk menentukan ukuran. Responden yang menjadi sampel berjumlah 88 orang. Pengujian yang dilakukan adalah uji instrumen, uji hipotesis, uji asumsi klasik, dan analisis regresi linier multivariat. Hasil penelitian berdasarkan uji t menunjukkan bahwa literasi keuangan dan efikasi keuangan berpengaruh terhadap keputusan investasi setiap individu. Sedangkan variabel penyesalan dan motivasi tidak berpengaruh terhadap keputusan investasi individu. Namun demikian berdasarkan hasil uji F menunjukkan bahwa tingkat literasi keuangan, efikasi keuangan, pengalaman yang tidak menyenangkan dan motivasi secara simultan mempunyai pengaruh yang signifikan terhadap keputusan investasi mahasiswa Fakultas Sosial Humaniora Universitas Bina Darma Palembang. Kata kunci: Literasi, Efikasi, Experienced Regret, Motivasi, Investasi
Work-life Balance Among Daily Worker Amid Covid-19: Differences Between Gender and Sector Mellita, Dina; Fitriasuri, Fitriasuri; Elpanso, Efan; Noviardy, Andrian
MBIA Vol. 23 No. 1 (2024): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/mbia.v23i1.3200

Abstract

This study aims to identify WLB in DW workers in the hospitality business during the COVID-19 pandemic in Palembang City. The hospitality business, which includes the lodging, travel and tourism, food and beverage (F&B), and recreation businesses affected by the pandemic, has changed the employment status of surviving workers to Daily Workers (DW). The reduced number of workers in this business has caused DW's workload to be heavier. Several previous studies noted that the high workload will disrupt workers' work-life balance. This study uses a causal-comparative study design to explore whether there are differences in WLB by gender and sectorally between the F&B and Lodging sectors during the pandemic. In this case, we saw WLB from the side of Time balance (TB), Involvement balance (IB), and Satisfaction balance (SB). Because the results of the normality test of the data indicate that the research data did not pass the test, We used the Mann-Whitney U Test non-parametric statistical to test the two samples in this study. Based on the test results, the WLB gender is different in the time balance variable, while from the sectoral side, WLB is different in the satisfaction balance variable. Keywords: Work-life Balance, Time Balance, Involvement Balance, Satisfaction Balance, Daily Worker, Hospitality Abstrak Penelitian ini bertujuan untuk mengidentifikasi keseimbangan kehidupan kerja (Worklife pada pekerja harian (Daily Worker/DW) di industri perhotelan selama pandemi Covid-19 di Kota Palembang. Industri perhotelan meliputi akomodasi, perjalanan dan pariwisata, makanan dan minuman (Food and Beverage/F&B), serta rekreasi, terkena dampak pandemi yang merubah status pekerja yang masih bertahan menjadi pekerja harian. Adanya pengurangan jumlah pekerja sebagai akibat kebijakan pembatasan mobilisasi selama pandemi menyebabkan beban kerja pekerja harian menjadi lebih berat. Beberapa studi sebelumnya mencatat bahwa beban kerja yang tinggi akan mengganggu keseimbangan kehidupan dan kerja tenaga kerja. Studi ini menggunakan disain komparatif kausal untuk mengeksplorasi apakah terdapat perbedaan dalam keseimbangan kehidupan kerja berdasarkan jenis kelamin dan antar sektor, yaitu sektor F7B dan akomodasi selama pandemi. Penelitian ini, WLB akan dilihat dari sisi Keseimbangan Waktu (Time Balance/TB) Keseimbangan Keterlibatan (Involvement Balance/IB) dan Keseimbangan Kepuasan (Satisfaction Balance/SB). Oleh karena hasil pengujian normalitas menunjukkan data yang tidak terdistribusi dengan normal, analisis penelitian ini menggunakan uji statistik non-parametrik Mann-Whitney U Test. Berdasarkan hasil pengujian diketahui bahwa WLB berdasarkan jenis kelamin berbeda pada variabel keseimbangan waktu, sementara dari sisi sektoral, WLB memiliki perbedaan dalam variabel keseimbangan kepuasan. Kata Kunci: Keseimbangan Kehidupan-Kerja, Keseimbangan Waktu, Keseimbangan Keterlibatan, Keseimbangan Kepuasan, Pekerja Harian, Hospitality
Modeling Financial Behavior of E-Wallet Users in Palembang: Exploring Financial Literacy and Lifestyle Factors Zainal, Rabin Ibnu; Sari, Nopri seftiani; Mellita, Dina; Haqiqi, Teuku Muhammad
MBIA Vol. 23 No. 2 (2024): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/90ag6q74

Abstract

The rapid growth of digital financial ecosystems has transformed financial management, primarily through the adoption of e-wallets. This study examines the impact of Financial Literacy and Lifestyle on Financial Behavior among 95 e-wallet users in Palembang City, employing the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach. Findings reveal that Financial Literacy has a statistically significant but weak effect on Financial Behavior, explaining 28% of its variance. These findings suggest s that cognitive financial skills, while crucial, have limited influence in this context. Conversely, lifestyle has a substantial impact, accounting for 51.9% of the variance in financial behavior, emphasizing the critical role of behavioral and environmental factors in shaping decision-making. Theoretically, this study validates the importance of integrating cognitive (Financial Literacy) and behavioral (Lifestyle) dimensions in understanding financial behavior in digital payment systems. Policymakers are urged to enhance financial literacy programs and strengthen consumer protection, while e-wallet providers should prioritize security, transparency, and user-focused features. Future research should incorporate additional variables to offer a more comprehensive understanding of financial behavior in digital ecosystems.   Keywords: Financial Literacy, Lifestyle, Financial Behavior, E-Wallet.   Abstrak Pertumbuhan pesat ekosistem keuangan digital telah mentransformasi pengelolaan keuangan, terutama melalui adopsi dompet digital (e-wallet). Penelitian ini mengkaji dampak Literasi Keuangan dan Gaya Hidup terhadap Perilaku Keuangan di antara 95 pengguna e-wallet di Kota Palembang dengan menggunakan pendekatan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa Literasi Keuangan memiliki pengaruh yang signifikan secara statistik tetapi lemah terhadap Perilaku Keuangan, menjelaskan 28% dari variansnya. Hal ini menunjukkan bahwa keterampilan keuangan kognitif, meskipun penting, memiliki pengaruh terbatas dalam konteks ini. Sebaliknya, Gaya Hidup menunjukkan dampak yang kuat dan signifikan, menjelaskan 51,9% dari variansi Perilaku Keuangan, yang menekankan peran penting faktor perilaku dan lingkungan dalam membentuk pengambilan keputusan. Secara teoretis, penelitian ini memvalidasi pentingnya mengintegrasikan dimensi kognitif (Literasi Keuangan) dan perilaku (Gaya Hidup) dalam memahami perilaku keuangan dalam sistem pembayaran digital. Pembuat kebijakan didorong untuk meningkatkan program literasi keuangan dan memperkuat perlindungan konsumen, sementara penyedia e-wallet perlu memprioritaskan keamanan, transparansi, dan fitur yang berfokus pada pengguna. Penelitian selanjutnya perlu mengintegrasikan variabel tambahan untuk memberikan pemahaman yang lebih komprehensif tentang perilaku keuangan dalam ekosistem digital.   Kata kunci: Literasi Keuangan, Gaya Hidup, Perilaku Keuangan, Dompet Digital.
Co-Authors Afriansyah, A. Aldila, Tino Yose Apriyanza, Muhammad Ayu, Mersi Putri Azzahra, Elvira Depiansah, Dendi DEWI SARTIKA Dinata, Muhammad Iskandar Efan Elpanso Elpanso, Efan Esa, Gilang Anugrah Estrada, Yosef F, Fitriasuri Firdaus, Yusqi Audah Fitriasuri Fitriasuri, Fitriasuri H, Heriyanto Hatina, Damaida Herdiansyah, ⁠M. Izman Heriyanto Heriyanto Ida Ayu Putu Sri Widnyani Illahiah, Dian Fajari Jenny, Ardhillah Julianti, Hani Tri Mareta, Nanda Misnawati, Desy Monica, Vira Muji Gunarto Ningrum, Dwi Asih Setya Noviardi, Andrian Noviardy, Andrian Novriyanti, Suci Octavianti, Merryda Palwasari, Novi Priantika, Meisa Putri, Seranti Qotrunnada, Emilda Rafiansyah, M. Darrel Rasmila, Rasmila Rayhan, M. Ritonga, Eddy Faisal Sably Aliya Saputra, Agus Adi Sari, Nopri seftiani Siti Khoiriyah Soraya, Nabila Sulaiman Helmi Teuku Muhammad Haqiqi, Teuku Muhammad Trisninawati Trisninawati, Trisninawati Wiwin Agustian Yulinasari, Maisan Zainal, Rabin Ibnu