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FAKTOR PENENTU PERILAKU KEUANGAN USER ROBLOX GENERASI Z Hibatullah, Caesar Nicko; Samasta, Almira Santi; Zaretta, Bara; Kusuma, Pradana Jati
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2202

Abstract

Studi ini bertujuan untuk menganalisis pengaruh literasi keuangan, sikap keuangan, dan efikasi keuangan terhadap perilaku pengelolaan keuangan Generasi Z pengguna platform gim Roblox. Penelitian ini menggunakan pendekatan kuantitatif dengan desain asosiatif. Sampel penelitian terdiri atas 183 mahasiswa Universitas Dian Nuswantoro yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria tertentu. Data dikumpulkan melalui kuesioner daring dan dianalisis menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) untuk menguji model pengukuran dan hubungan antarvariabel. Hasil penelitian menunjukkan bahwa literasi keuangan, sikap keuangan, dan efikasi keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan pengguna Roblox dari kalangan Generasi Z. Semakin tinggi tingkat literasi, sikap, dan efikasi keuangan, semakin baik perilaku pengelolaan keuangan yang ditunjukkan. Temuan ini menegaskan pentingnya ketiga faktor tersebut sebagai fondasi dalam membentuk perilaku keuangan yang terkontrol. Penelitian selanjutnya disarankan untuk menambahkan variabel lain serta memperluas karakteristik responden guna memperoleh pemahaman yang lebih komprehensif.
Saving Behavior dalam Ekonomi Platform: Peran Digital Financial Literacy, Social Media Usage, dan Financial Self-Efficacy pada Kreator TikTok Live Generasi Z Ramadhaniza, Aisyahya Dhita; Chasanah, Amalia Nur; Zaretta, Bara; Kusuma, Pradana Jati
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2265

Abstract

Perkembangan ekonomi digital dan intensifikasi penggunaan media sosial telah mengubah cara Generasi Z memperoleh, mengelola, dan mengambil keputusan keuangan. Media sosial tidak hanya berfungsi sebagai sarana hiburan, tetapi juga menjadi sumber pembelajaran keuangan digital yang berpengaruh terhadap pembentukan keyakinan dan perilaku finansial individu. Penelitian ini bertujuan untuk mereplikasi dan menguji kembali model empiris yang dikembangkan oleh (Anwar, 2025) dengan menganalisis hubungan antara digital financial literacy dan social media usage terhadap financial self-efficacy, serta implikasinya terhadap saving behaviour pada kreator TikTok Live Generasi Z. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling terhadap 100 kreator TikTok Live Generasi Z, dengan pengumpulan data menggunakan kuesioner skala Likert lima poin dan analisis PLS-SEM. Hasil penelitian menunjukkan bahwa digital financial literacy dan social media usage berpengaruh positif dan signifikan terhadap financial self-efficacy dan saving behavior, sedangkan financial self-efficacy terhadap saving behavior tidak signifikan. Temuan ini mengungkap bahwa dalam konteks ekonomi platform dengan pendapatan tidak stabil, financial self-efficacy tidak selalu diterjemahkan menjadi perilaku menabung, sehingga menantang asumsi linear dalam Social Cognitive Theory serta memperkaya integrasi Technology Acceptance Model, Unified Theory of Acceptance and Use of Technology dalam menjelaskan perilaku keuangan digital. Secara teoretis, penelitian ini menunjukkan batas keberlakuan model Anwar (2025) ketika diterapkan pada kreator live streaming Generasi Z. Secara praktis, penelitian ini memberikan implikasi bagi pengembangan edukasi keuangan digital dan strategi intervensi platform.
Peran Kontrol Diri Dalam Memediasi Hubungan Penggunaan Media Sosial Dan E-Wallet Terhadap Perilaku Konsumtif Masyarakat Di Kabupaten PATI Laksana, Ilham Tri; Puspitasari, Diana; Oktoriza, Linda Ayu; Kusuma, Pradana Jati
Jurnal Ekuilnomi Vol. 8 No. 1 (2026): Ekuilnomi Vol 8(1), Feb 2026
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/k7he3582

Abstract

Penelitian ini bertujuan menganalisis pengaruh media sosial dan e-wallet terhadap perilaku konsumtif dengan kontrol diri sebagai variabel mediator. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 159 masyarakat Kabupaten Pati. Analisis data dilakukan menggunakan software SmartPLS 4 dengan pendekatan Structural Equation Modeling–Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa media sosial dan e-wallet berpengaruh positif terhadap perilaku konsumtif. Kontrol diri berpengaruh signifikan terhadap perilaku konsumtif serta memediasi pengaruh media sosial, namun tidak memediasi hubungan e-wallet dengan perilaku konsumtif. Temuan ini menegaskan pentingnya kontrol diri dalam merespons stimulus konsumsi digital
Pengaruh Harga Produk, Kualitas Produk, Gaya Hidup Terhadap Minat Beli Ulang (Body Scrub Scarlett Di Aplikasi Shopee) Ardhianti, Dian; Kusuma, Pradana Jati
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 4 (2023)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v12i4.2026

Abstract

The economic, cultural, and technological developments impact lifestyles, particularly in the fashion and beauty sectors, leading to significant changes in Indonesia's beauty product market. This study aims to identify factors influencing the repurchase intention of Generation Z consumers for Scarlett body scrub products on the Shopee application. The population and sample selection targeted Generation Z consumers in Semarang, with an unknown number, within the age criteria of 17–30 years. The researcher applied criteria within the Generation Z category with an age range of 13–33 years, as specified. The sample size taken was Sample = (number of indicators x 8) = 14 x 8 = 112 due to the unknown population size. The research method used was quantitative, applying multiple linear regression analysis to test hypotheses. The results of statistical analysis indicate that the product price, product quality, and lifestyle variables have a positive and significant impact on repurchase intention. This study provides valuable insights for companies in designing effective beauty product marketing strategies, focusing on price and understanding consumer lifestyles. The conclusions drawn from this research can serve as a basis for formulating better marketing strategies to enhance consumer repurchase intention in the Indonesian beauty industry. Keywords: product price; product quality; lifestyle; repurchase intention.
PRESTIGE OR PREFERENCE? GENERATION Z’S PURCHASE DECISION BEHAVIOR TOWARD IPHONE AND SAMSUNG SMARTPHONES Merliana, Ira; Putra, Febrianur Ibnu Fitroh Sukono; Kusuma, Pradana Jati; Oktoriza, Linda Ayu
Distribusi - Journal of Management and Business Vol. 14 No. 1 (2026): Distribusi, March 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i1.690

Abstract

The development of digital technology has made smartphones a primary necessity for Generation Z, especially in the premium segment such as iPhone and Samsung. This study aims to analyze the influence of functional, emotional, social, and epistemic values on brand preference and purchase decisions, with brand preference as a mediating variable. The study employs a quantitative approach using an explanatory survey design involving 124 Generation Z students from the Faculty of Economics and Business at Dian Nuswantoro University. Data were collected through a five-point Likert scale questionnaire and analyzed using SEM-PLS with SmartPLS 4. The results show that functional and epistemic values have a significant effect on Brand Preference and Purchase Decision, while emotional and social values do not have a significant effect. Brand Preference was found to have a significant effect on Purchase Decision and mediated the effect of functional and epistemic values on Purchase Decision. These findings indicate that Gen Z considers rational and novelty aspects more than emotional and social status aspects when purchasing premium smartphones.
EKPLORASI CONTINUANCE INTENTION PADA EXPECTATION CONFIRMATION MODEL BERKELANJUTAN PENGGUNA BUY-NOW-PAY-LATER DI KOTA SEMARANG Ningrum, Shintia Nabila; Kusuma, Pradana Jati; Safitri, Maria; Prawitasari, Dian
Distribusi - Journal of Management and Business Vol. 14 No. 1 (2026): Distribusi, March 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i1.693

Abstract

This study examines the effects of financial literacy, perceived usefulness, and perceived risk on continuance intention in the use of PayLater services by considering satisfaction as a mediating variable and confirmation as a moderating variable among PayLater users in Semarang City, within the framework of the Expectation Confirmation Theory (ECT) and Technology Acceptance Model (TAM). This research adopts a quantitative approach with an explanatory research design. Data were collected through an online questionnaire from 156 active Buy Now Pay Later (BNPL) users in Semarang City using purposive sampling and were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that financial literacy has a significant effect on continuance intention, while perceived usefulness positively affects continuance intention through satisfaction. User satisfaction emerges as the strongest determinant influencing continuance intention, suggesting that actual usage experience plays a more critical role than initial perceptions. In contrast, perceived risk does not have a significant direct effect on continuance intention. These findings imply that user experience and satisfaction are more influential in sustaining BNPL usage than initial cognitive factors. This study provides practical implications for BNPL service providers to prioritize service quality and system usability. Therefore, providers are encouraged to enhance financial literacy education while strengthening service benefits and quality to improve user satisfaction and promote continued usage, particularly among PayLater users in Semarang City.
Pengaruh Faktor Internal dan Eksternal Terhadap Harga Saham Subsektor Semen Yuniar, Ayu Rizky; Kusuma, Pradana Jati; Safitri, Maria; Zakaria, Fakhmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11611

Abstract

This study examines the determinants of share prices of companies in the cement sub-sector on the Indonesia Stock Exchange (IDX), focusing on internal and external factors during the period 2020–2024. The internal factors analysed include the Debt to Equity Ratio (DER), Current Ratio (CR), and company age (AGE), while external factors include interest rates and Gross Domestic Product (GDP). The research method used is a quantitative approach based on secondary data sourced from the IDX, companies' annual financial reports, and statistical data released by the Central Statistics Agency (BPS). The research sample includes six cement sub-sector companies determined through purposive sampling, resulting in 120 quarterly panel data observations. The assessment was conducted using panel data regression with a Fixed Effect Model (FEM) selected from the Chow test and Hausman test, supported by classical assumption testing and hypothesis testing. The results of the study reveal that all independent variables simultaneously have a significant effect on stock prices. Individually, CR has a positive and significant effect, while AGE has a negative and significant effect on stock prices. Meanwhile, DER and interest rates produce an insignificant negative relationship, and GDP has a positive but insignificant effect. This study reveals that the movement of cement sub-sector stock prices can be explained by the interaction of internal and external factors, with liquidity and company age as the main determinants in conditions of overcapacity and macroeconomic uncertainty.