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Purbandari, Yenny
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Economics, Econometrics & Finance

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PENGARUH PENGGUNAAN PAYLATER, LITERASI KEUANGAN DAN SELF CONTROL TERHADAP PERILAKU KONSUMTIF MAHASISWA DI KABUPATEN BANJARNEGARA Purbandari, Yenny; Indra Utami, Anita; Rudianti, Walid; Yubiharto, Yubiharto
Medikonis Vol. 16 No. 1 (2025): Januari 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Tamansiswa Banjarnegara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52659/medikonis.v16i1.127

Abstract

The use of Paylater is currently increasing along with the increasing use of the internet as a means of transaction. Low financial literacy and lack of self-control can affect consumptive behavior. This study was conducted with the aim of determining the influence of the use of paylater, financial literacy and self-control on the consumptive behavior of university students in Banjarnegara Regency. This study uses a quantitative method. The population in this study is university students in Banjarnegara Regency who are registered in PPDikti in 2023 through 4 universities in Banjarnegara Regency, namely STIE Tamansiswa Banjarnegara, Banjarnegara Polytechnic, STAI Tanbihul Ghofilin Banjarnegara and STIMIK Tunas Bangsa Banjarnegara with a total of 1960 students, while the sample used was 100 respondents. This study uses a purposive sampling technique. The data used were primary data and data collection techniques using questionnaires. The variables used are independent variables consisting of the use of paylater, financial literacy and self-control, while the bound variables are consumptive behavior. The data analysis technique used is multiple linear regression analysis. Based on the results of the study, partial tests show that the use of paylater has no effect on consumptive behavior, financial literacy has no effect on consumptive behavior, and self-control has an effect on consumptive behavior. The value of the determination coefficient is 0.205. This shows that the ability of independent variables to explain the dependent variable is 20.5%, while the remaining 79.5% is influenced by other variables that are not studied in this study.
ANALISIS DAMPAK PENERAPAN SISTEM TRANSAKSI NON TUNAI CASH MANAGEMENT SYSTEM (CMS) TERHADAP EFEKTIVITAS PENGELOLAAN KEUANGAN DI PEMERINTAH DESA WANAKARSA Safitri, Wili; Rudianti, Walid; Zumroatun Ainiyah, Ghonimah; Purbandari, Yenny
Medikonis Vol. 16 No. 2 (2025): Juli 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Tamansiswa Banjarnegara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52659/medikonis.v16i2.134

Abstract

ABSTRACT The implementation of the Cash Management System (CMS) in village government is a new practice; previously, financial management in Wanakarsa Village was conducted in cash. The enactment of Banjarnegara Regent Regulation Number 58 of 2023 mandates that transactions above five million rupiah must be conducted non-cash. This study aims to examine and analyze the impact of implementing the non-cash transaction system CMS on the effectiveness of financial management in Wanakarsa Village Government. This qualitative study uses a descriptive case study approach. Data were collected through interviews, observations, and documentation. Data analysis followed the Miles and Huberman model: data reduction, data display, and conclusion drawing. Informants consisted of five individuals: the Village Head, Village Secretary, Siskeudes operator, CMS provider bank staff, and the Head of the Community and Village Empowerment Section of Wanadadi District. The results show that the implementation of CMS in Wanakarsa Village financial management has been well accepted and properly conducted, and it is considered effective in improving efficiency, transparency, and accountability. Transactions comply with applicable regulations, though challenges remain, including infrastructure support and technical difficulties in the field that hinder transaction ease. This study encourages ongoing coordination and evaluation to ensure the system’s successful implementation, not only in Wanakarsa Village but across all village governments in Banjarnegara Regency
ANALYSIS OF DIGITAL TECHNOLOGY AS A BUSINESS STRATEGY TO INCREASE SALES TURNOVER FOR CULINARY MSMES IN BANJARNEGARA Purbandari, Yenny; Maesaroh, Siti
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 20, No 2 (2025): December 2025
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.20.2.305-312

Abstract

Indonesia's economy is significantly underpinned by the growth of Micro, Small, and Medium Enterprises (MSMEs), with culinary MSMEs in particular playing a substantial role in local economic development. Amidst rapid technological advancements and evolving consumer behavior, these businesses face considerable challenges in enhancing sales and maintaining market competitiveness. Digital transformation offers a strategic solution to these issues, providing MSMEs with greater opportunities to expand their market reach and boost sales. However, many MSMEs continue to operate conventionally due to limited knowledge, a lack of experience with digital technology, and poor internet access. The purpose of this research is to examine how Banjarnegara's culinary MSMEs' sales turnover has been affected by digital marketing, digital payment methods, and online food delivery services.  In all, 342 companies were considered for this study, but only 78 were ultimately chosen at simple random sampling technique.  Multiple linear regression was used to examine the gathered data.  The results show that online food delivery services, digital marketing, and digital payments all significantly impact sales turnover, and that this effect is largely both partially and simultaneously.
Co-Authors Indra Utami, Anita Rudianti, Walid Safitri, Wili Siti Maesaroh Yubiharto, Yubiharto Zumroatun Ainiyah, Ghonimah