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Pengaruh Kemudahan dan Perilaku Konsumen terhadap Keputusan Penggunaan E Wallet Dana Di kota Bangkalan Fitria, Anis; Purnomo, Arie Setyo Dwi; Nugroho, Prasetyo
JAAKFE UNTAN (Jurnal Audit dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Vol 12, No 4 (2023): JURNAL AUDIT DAN AKUNTANSI FAKULTAS EKONOMI DAN BISNIS UNTAN
Publisher : Jurusan Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jaakfe.v12i4.72075

Banyak variabel yang mempengaruhi keputusan untuk penggunaan e-wallet0DANA, salahi satunya adalah kemudahanodan perilaku konsumen. Penelitian ini bermaksud untuk memutuskan dampak dari kemudahanpdan perilaku konsumen terhadap Pilihan untuk menggunakannE-Wallet Dana. Populasi dalam penelitian ini adalah masyarakat di Kabupaten Bangkalan, yang memiliki aplikasi e-wallet Dana. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif. Hasil penelitian ini menunjukkan bahwa kemudahan dan perilaku konsumen berpengaruhlpositif dan signifikan terhadap keputusan penggunaan e wallet dana di kota bangkalan. Untuk penelitian selanjutnya, disarankan untuk lebih mendalam dalam menganalisis aspek-aspek yang memengaruhi tingkat kenyamanan (kemudahan) penggunaan e-Wallet Dana di Bangkalan, serta melibatkan sampel yang lebih representatif dari berbagai latar belakang demografis guna mendapatkan pemahaman yang lebih komprehensif tentang faktor-faktor yang memengaruhi keputusanppenggunaan e-Wallet tersebut.Kata kunci: Kemudahan, Perilaku Konsumen, Keputusan Penggunaan.

The Effect of External and Internal Factors on Financial Management of Salt Business Actors Nikmah, Wardatun; Nugroho, Prasetyo; Purnomo, Arie Setyo Dwi
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 6 (2024): JIMKES Edisi November 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i6.2921

The salt industry is one of the important sectors that contribute to the regional economy in Indonesia, where business actors in the salt industry face intense competition, so effective financial planning is crucial to survive and thrive. Good financial management can increase competitiveness and minimize financial risk. However, many business actors do not yet understand the importance of responsible financial management. This study aims to analyze the influence of external factors, such as climate change, government policies and competition in the industry, as well as internal factors, such as financial planning and sources of financing or funding, on the financial management of salt business actors in Pamekasan. Despite having great potential, business actors often face challenges from external factors, such as unpredictable weather and competition in the salt industry. The results of the study are expected to provide insight for business actors in optimizing financial management to improve business performance and contribution to national income.

Analysis of the Influence of Funding Sources on Salt Production Efficiency in Madura Tunnabila, Sabna; Nugroho, Prasetyo; Purnomo, Arie Setyo Dwi
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6355

This research aims to analyze the influence of funding sources on the efficiency of salt production in Karanganyar Village and Pinggirpapas Village, Kalianget District, Sumenep Regency, known as the largest salt-producing area in Madura. The research population was salt business actors in Madura, totaling 880 people. The sample was determined using the Slovin formula and an error rate (standard error) of 10% (0.1), resulting in a sample of 89 respondents. Data was collected through questionnaires, interviews, and observations. Data analysis was carried out using SPSS software, and the statistical method used was a simple linear regression test. The research results show a significant positive relationship between funding sources and salt production efficiency. This can be seen from the regression coefficient of 0.101 with a p-value <0.05, which shows that the better the access to funding sources, the more efficient the salt production process will be. These findings emphasize the importance of the availability and accessibility of funding sources to increase production efficiency in the salt sector.

Analysis of the Influence of Funding Sources on Salt Production Efficiency in Madura Tunnabila, Sabna; Nugroho, Prasetyo; Purnomo, Arie Setyo Dwi
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6355

This research aims to analyze the influence of funding sources on the efficiency of salt production in Karanganyar Village and Pinggirpapas Village, Kalianget District, Sumenep Regency, known as the largest salt-producing area in Madura. The research population was salt business actors in Madura, totaling 880 people. The sample was determined using the Slovin formula and an error rate (standard error) of 10% (0.1), resulting in a sample of 89 respondents. Data was collected through questionnaires, interviews, and observations. Data analysis was carried out using SPSS software, and the statistical method used was a simple linear regression test. The research results show a significant positive relationship between funding sources and salt production efficiency. This can be seen from the regression coefficient of 0.101 with a p-value <0.05, which shows that the better the access to funding sources, the more efficient the salt production process will be. These findings emphasize the importance of the availability and accessibility of funding sources to increase production efficiency in the salt sector.

Analysis of Financial Inclusion and Technology about Implementation of Coastal MSMEs in Sumenep, Madura Purnomo, Arie Setyo Dwi; Kurriwati, Nirma
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 2 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku3845

The goal of this study is to test aspects of financial inclusion and technology side on MSME implementation in Madura. This study was conducted in Sumenep with the object of research being the MSME sector in Pesisir Sumenep. The collection data method is done by spreading questionnaires and observations. Data compilation using regression analysis techniques to test the hypothesis. According to research results, the financial inclusion and technology variables have a positive and significant impact on the performance of SMEs in Sumenep Coast, Madura. Financial inclusion and technology have great potential to drive inclusive and sustainable economic growth through expanding access to financial services and technology for MSMEs, which can reduce inequality and encourage innovation, so the government has to continue to support development infrastructure for financial inclusion and technology for MSMEs.

Analisis Keberlanjutan Finansial Usaha Garam: Tantangan dan Peluang Dalam Menghadapi Perubahan Pasar Nugroho, Prasetyo; Purnomo, Arie Setyo Dwi; Susandini, Aprilina
SEIKO : Journal of Management & Business Vol 8, No 2 (2025): July - December
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v8i2.9685

Penelitian ini bertujuan untuk mengetahui keberlanjutan finansial bisnis garam di Madura berdasarkan analisis peluang dan tantangan yang mungkin dihadapi oleh para pelaku bisnis garam di masa depan. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Pengumpulan data dilakukan dengan menggunakan beberapa metode, yaitu wawancara, studi literatur, dan dokumentasi. Narasumber dalam penelitian ini adalah pelaku usaha garam yang terdiri dari petambak garam dan pedagang garam di tiga kabupaten di Pulau Madura, yaitu Kabupaten Sumenep, Kabupaten Pamekasan, dan Kabupaten Sampang. Berdasarkan penelitian yang telah dilakukan, diketahui bahwa usaha garam masih sangat layak untuk dijalankan dari sisi finansial, baik dari sisi profitabilitas, likuiditas maupun modal usaha. Berdasarkan analisis SWOT yang telah dilakukan, usaha garam juga dapat dikatakan memiliki peluang yang besar untuk berkembang dan berkelanjutan meskipun harus menghadapi beberapa tantangan di masa yang akan datang. Kata Kunci: Keberlanjutan finansial, Peluang, Tantangan

Pengaruh Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa Manajemen Fakultas Ekonomi Dan Bisnis Universitas Trunojoyo Madura Syamsiyah, Siti Nur; Purnomo, Arie Setyo Dwi
Jurnal Kajian Ilmu Manajemen (JKIM) Vol 5, No 2 (2025): Juni
Publisher : Management Department of Economics and Business Of Trunojoyo Madura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jkim.v5i2.21320

The purpose of this study was to determine the effect of Lifestyle and Financial Literacy on the Financial Behavior of Management Students at the Faculty of Economics and Business, Trunojoyo Madura University, class of 2019 to class of 2022. This research was conducted using associative quantitative methods. The analysis used in this study was multiple linear analysis. The data used in this study are primary and secondary data, primary data is data obtained from questionnaires distributed to respondents and secondary data is data obtained from the Administration office. The sampling technique used the Slovin sampling method and obtained a total sample of 92 respondents. The hypothesis testing used is multiple regression analysis with the SPSS 25 program. The results of the T test show that lifestyle has a significant effect on financial behavior with a significant value of 0.000 0.05, financial literacy has a significant effect on financial behavior with a significant value of 0.005 0. 05. And the results of the F Test show that Lifestyle and Financial Literacy have a simultaneous (simultaneous) effect on financial behavior with a sig p-value of 0.000 0.05. The coefficient of determination ( ) is 0.206 or 20.6% and the remaining 79.4% is influenced by other factors that are not included in this research model. Based on the data normality test, the multicollinearity test and the heteroscedasticity test were not found to be variables that deviate from the classical assumption test.

Penerapan Green Economy di Indonesia: Literature Review Puteri, Oktavianda Riyantini; Purnomo, Arie Setyo Dwi
Kompetensi (Competence : Journal of Management Studies) Vol 18, No 1 (2024): April
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/kompetensi.v18i1.26522

Pengaruh Literasi Keuangan dan Persepsi Risiko terhadap Kinerja Trading Mahasiswa di Platform Online dengan Mediasi Self-Efficacy Rochma, Miftahul Hidaya; Purnomo, Arie Setyo Dwi
Jurnal Manajemen Stratejik dan Simulasi Bisnis Vol. 6 No. 2 (2025): Jurnal Manajemen Stratejik dan Simulasi Bisnis
Publisher : Fakultas Ekonomi Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/mssb.6.2.140-151.2025

This study aims to examine the influence of financial literacy and risk perception on student trading performance on online platforms, with self-efficacy as an intermediary variable. Increased student involvement in digital trading is often not in line with maximum results, so analysis of the cognitive and psychological aspects that shape trading behaviour is crucial. This study employs a quantitative approach through a survey of 100 active students at Trunojoyo University Madura who are involved in online trading. Data processing utilised Partial Least Square Structural Equation Modelling (PLS-SEM) with the support of SmartPLS 4 software. The findings revealed that financial literacy did not have a significant effect on trading performance (p = 0.149 > 0.05), but it did have a significant positive impact on self-efficacy (p = 0.000 < 0.05). Risk perception has a positive and significant effect on trading performance (p = 0.025 < 0.05) and on self-efficacy. Furthermore, self-efficacy has a significant effect on trading performance (p = 0.000 < 0.05) and acts as a mediator in the relationship between financial literacy and trading performance (p = 0.005 < 0.05), although it does not mediate the relationship between risk perception and trading performance (p = 0.070 > 0.05). These findings emphasise that students' trading performance is not only determined by financial knowledge, but also by psychological confidence in the financial decision-making process. Abstrak Penelitian ini bertujuan untuk mengkaji pengaruh literasi keuangan dan persepsi risiko pada performa trading mahasiswa di platform online, dengan self-efficacy sebagai variabel perantara. Peningkatan keterlibatan mahasiswa dalam perdagangan digital sering kali tidak sejalan dengan hasil yang maksimal, sehingga analisis terhadap aspek kognitif dan psikologis yang membentuk perilaku trading menjadi krusial. Penelitian ini menerapkan pendekatan kuantitatif melalui survei terhadap 100 mahasiswa aktif Universitas Trunojoyo Madura yang terlibat dalam trading online. Pengolahan data menggunakan Partial Least Square Structural Equation Modeling (PLS-SEM) dengan dukungan software SmartPLS 4. Temuan penelitian mengungkapkan bahwa literasi keuangan tidak memberikan pengaruh signifikan terhadap performa trading (p = 0,149 > 0,05), tetapi memberikan dampak positif yang signifikan pada self-efficacy (p = 0,000 < 0,05). Persepsi risiko memberikan pengaruh positif dan signifikan terhadap performa trading (p = 0,025 < 0,05) serta terhadap self-efficacy. Lebih lanjut, self-efficacy memberikan pengaruh signifikan pada performa trading (p = 0,000 < 0,05) dan berperan sebagai mediator dalam hubungan antara literasi keuangan dan performa trading (p = 0,005 < 0,05), meskipun tidak memediasi keterkaitan antara persepsi risiko dan performa trading (p = 0,070 > 0,05). Temuan ini menekankan bahwa performa trading mahasiswa tidak hanya ditentukan oleh pengetahuan finansial, tetapi juga oleh kepercayaan psikologis dalam proses pengambilan keputusan keuangan. Kata kunci: literasi keuangan, persepsi risiko, self-efficacy, kinerja trading

PENGARUH FOMO DAN FINANCIAL INFLUENCER DI MEDIA SOSIAL TERHADAP KEPUTUSAN INVESTASI CRYPTOCURRENCY GENERASI Z DENGAN LITERASI KRIPTO SEBAGAI VARIABEL MODERASI Putri, Anggita Eka Syahrani; Purnomo, Arie Setyo Dwi
Jurnal Manajemen Pendidikan Vol. 10 No. 4 (2025): Regular Issue (In Progress)
Publisher : STKIP Pesisir Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34125/jmp.v10i4.1144

This study is motivated by the growing interest of Generation Z in cryptocurrency investment, which is influenced by emotional and social factors in the digital era. The purpose of this research is to examine the effect of Fear of Missing Out (FoMO) and financial influencers on cryptocurrency investment decisions, as well as to analyze the moderating role of crypto literacy. This research employs a quantitative associative approach. The population consists of 15,483 students from the University of Trunojoyo Madura (cohorts 2022–2025), with a sample of 100 respondents selected using a purposive sampling technique. Data were collected using a Likert-scale questionnaire and analyzed using path analysis with SmartPLS 4.1.1.5. The results show that FoMO and financial influencers have a positive and significant effect on cryptocurrency investment decisions, while crypto literacy has a negative and significant effect. Moreover, crypto literacy negatively moderates the relationship between FoMO and financial influencers on investment decisions. This indicates that the higher an individual's level of crypto literacy, the weaker the emotional and social influence on their investment decision-making.

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