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All Journal Jurnal Pendidikan Ekonomi Undiksha ABDIMAS SILIWANGI OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal ABDIKU JPLED Jurnal Abdimas Maduma
Ruski
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Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences Other

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Journal : JPLED

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Implementation of the Quick Response Code Indonesia Standard (QRIS) Payment System as a Medium for Digital Financial Literacy Education in Coffee Shops M. Zainuri; Ruski
Journal of Practice Learning and Educational Development Vol. 5 No. 2 (2025): Journal of Practice Learning and Educational Development (JPLED)
Publisher : Global Action and Education for Society

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58737/jpled.v5i2.471

Abstract

Digital transformation in payment systems is an important strategy in driving the efficiency of economic transactions, especially in the micro, small, and medium enterprises (MSMEs) sector. One of the payment system innovations that is growing rapidly in Indonesia is the Quick Response Code Indonesian Standard (QRIS), which is implemented by Bank Indonesia to unify various digital payment systems into one national standard. This study aims to analyze the implementation of QRIS in payment transactions for Coffee Shop business actors in Bangkalan. This study uses a descriptive qualitative method with a case study approach to five Coffee Shop business actors in Bangkalan who use QRIS as their main payment method. The results of the study show that the use of QRIS provides significant benefits such as ease of transactions, time efficiency, increased turnover, and transaction security. However, there are obstacles faced by business actors such as technical disruptions, dependence on a stable internet connection, and lack of technical education for business actors and consumers. This study recommends increasing digital literacy education, strengthening internet infrastructure, and technical support from the government and payment system service providers to support the optimization of QRIS implementation in the MSME sector, especially in the Coffee Shop industry.
The Influence of Fintech E-Wallets and Self-Control on the Consumptive Behavior of Generation Z in Bangkalan: Efforts for Digital Financial Education and Literacy Rumyati Zeinab; Ruski
Journal of Practice Learning and Educational Development Vol. 5 No. 2 (2025): Journal of Practice Learning and Educational Development (JPLED)
Publisher : Global Action and Education for Society

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58737/jpled.v5i2.472

Abstract

This research is motivated by the increasing use of Fintech E-Wallets among Generation Z university students, which facilitates financial transactions but also has the potential to encourage consumptive behavior, especially when not accompanied by adequate self-control. The purpose of this study is to analyze the influence of Fintech E-Wallet and Self-Control on the consumptive behavior of students in Bangkalan Regency. The method used is a descriptive quantitative approach with survey techniques. Data were collected through questionnaires distributed to 60 students from three universities, selected using purposive sampling. The data were analyzed using multiple linear regression. The results showed that Fintech E-Wallet has a positive and significant influence on consumptive behavior (significance value = 0.001), while Self-Control has a negative and significant influence on consumptive behavior (significance value = 0.003). Simultaneously, both variables significantly affect consumptive behavior (significance value = 0.000). The conclusion of this study is that the ease of digital access through e-wallets can increase the consumptive tendencies of students, but this can be mitigated through strong self-control, indicating the importance of awareness in managing finances wisely.
An Analysis of Accounts Receivable Control Strategies as a Financial Literacy Effort to Reduce Uncollectible Receivables at UD. ANA PALU Mohamad Mahfud; Ruski
Journal of Practice Learning and Educational Development Vol. 5 No. 3 (2025): Journal of Practice Learning and Educational Development (JPLED)
Publisher : Global Action and Education for Society

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58737/jpled.v5i3.734

Abstract

The purpose of this study is to examine the methods used by UD. ANA PALU, a trading company involved in the distribution of food and drinks, to reduce the quantity of accounts receivable that cannot be collected. This study used a case study methodology in conjunction with a qualitative approach. Techniques for gathering data included recordkeeping, interviews, and observation. The results of the study show that the primary reasons for uncollectible receivables are customers' malice in not making payments, payment delays brought on by an increase in rivals, and a lack of committed staff to manage receivables. The control strategies implemented include setting a maximum credit limit, tightening the payment deadline, and selectively approving customers eligible for credit. Although these strategies have successfully reduced the percentage of uncollectible receivables over time, further improvements are still needed. This study recommends strengthening credit policies, utilizing automatic payment reminder systems, and collaborating with financial institutions to mitigate payment failure risks.
Co-Authors Aditya Harun Arrasyid Arief Wahyudi, Mohammad AULIA DAWAM Hikmatus Sakinah M. Anton M. Zainuri Mohamad Mahfud Muhaimin Iskandar Romiftahul Ulum Rumyati Zeinab Siti Seituni Ulum, Romiftahul Yusrianto Sholeh Zahro, Zamrotus