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Aulia Aulia
Fakultas Teknik, Universitas Andalas
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Physics Public Health Social Sciences Transportation Veterinary Other

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The Effect Of Financial Literacy and Financial Inclusion On The Intensity Of E-wallet Usage Among Cusstomers at Manakala Coffee Shop Medan Rahmadani, Adinda Tantri; Hernawaty, Hernawaty; Aulia, Aulia
Journal of Management, Economic, and Accounting Vol. 5 No. 3 (2026): July
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i3.1531

Abstract

The development of financial technology has encouraged the use of e-wallets as a digital payment method, including in culinary businesses such as coffe shops. Although the adoption of e-wallets in Indonesia continues to increase, their intensity of use at the consumer level is not yet optimal and is influenced by behavioral and structural factors. This study aims to analyze the effect of financial literacy and financial inclusion on the intensity of e-wallet usage among consumers at Coffe shop Manakala Medan. This study uses a quantitative approach with a causal associative design. Data were collected through a Likert scale questionnaire distributed to 77 e-wallet users using purposive and convenience sampling techniques. Data analysis was performed using validity and reliability tests, classical assumption tests, and multiple linear regression analysis, which included t-tests, F-tests, and the coefficient of determination (R²). The results of the study indicate that financial literacy has a positive and significant effect on the intensity of e-wallet usage. Financial inclusion also has a positive and significant effect and has a more dominant influence than financial literacy. Simultaneously, both variables have a significant effect on the intensity of e-wallet usage. These findings confirm that the intensity of e-wallet usage is not only determined by the availability of technology, but also by the level of consumer understanding and ease of access to digital financial services. This study provides empirical evidence by emphasizing the importance of financial literacy and financial inclusion in promoting the sustainable use of e-wallets in the culinary business.
City The Influence of Financial Literacy, Lifestyle, and Self-Control on the Consumer Behavior of Students at Panca Budi Development University Siagian, Asminar Br; Aulia, Aulia; Pramono, Cahyo
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1605

Abstract

The study aims to analyze the influence of financial literacy, lifestyle, and self-control on the consumer behavior of students at Panca Budi Development University. This study used a quantitative approach with a causal associative approach. The population in this study were 71 Fintech Management students at Panca Budi Development University, using a saturated sampling technique, so that the entire population was included as respondents. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression, using classical assumption testing, t-tests, F-tests, and coefficients of determination using SPSS version 23.The results showed that financial literacy partially had no significant effect on consumer behavior. Meanwhile, lifestyle and self-control had a positive and significant effect on consumer behavior. Simultaneously, financial literacy, lifestyle, and self-control significantly influenced consumer behavior with an Adjusted R² value of 0.476. This means that 47.6% of the variation in consumer behavior can be explained by these three variables, while the remainder is influenced by factors outside the research model. These findings indicate that, in the context of college students, lifestyle is the dominant factor influencing consumer behavior, while financial literacy has not been able to significantly reduce the tendency to overconsume. Therefore, efforts are needed to improve financial education, along with strengthening self-control and developing more rational lifestyles to address the dynamics of consumption in the digital age.
Tanggung Jawab Para Pihak dalam Penggunaan Surat Berharga pada Pengangkutan Barang yang Diasuransikan Lubis, M. Faisal Rahendra; Ramadahni, Fitri Hizria; Aulia, Aulia; Salsabila, Nafra; Pane, Almira Zuleika
Rechtsnormen Jurnal Komunikasi dan Informasi Hukum Vol. 4 No. 2 (2026): Edisi Februari
Publisher : Ilmu Bersama Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56211/rechtsnormen.v4i2.1525

Abstract

Pengangkutan barang yang diasuransikan melibatkan hubungan hukum yang kompleks antara pengirim, pengangkut, penerima barang, dan perusahaan asuransi. Permasalahan sering muncul ketika terjadi kerugian barang akibat ketidakjelasan pembagian tanggung jawab hukum, terutama dalam penggunaan surat berharga sebagai dasar pembuktian dan pengalihan hak. Penelitian ini bertujuan untuk menganalisis tanggung jawab para pihak dalam penggunaan surat berharga pada pengangkutan barang yang diasuransikan serta mengkaji implikasi hukumnya terhadap klaim dan penyelesaian kerugian. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan perundang-undangan dan konseptual. Data diperoleh melalui studi kepustakaan terhadap peraturan perundang-undangan, konvensi internasional, putusan pengadilan, serta literatur hukum yang relevan. Hasil penelitian menunjukkan bahwa surat berharga memiliki kedudukan strategis dalam menentukan pihak yang berhak atas barang dan ganti rugi asuransi. Namun, belum adanya pengaturan yang terintegrasi antara hukum pengangkutan dan hukum asuransi menyebabkan terjadinya tumpang tindih tanggung jawab serta perbedaan penafsiran dalam praktik. Penelitian ini menegaskan perlunya penegasan norma yang mampu mengharmonisasikan fungsi surat berharga dengan mekanisme pertanggungan asuransi guna menciptakan kepastian hukum dan perlindungan yang seimbang bagi seluruh pihak yang terlibat.
Analysis of the Efficiency of State-Owned Assets Management Based on Performance Indicators in Supporting Economic Growth (SDG 8) Simbolon, Gloria Kartika; Aulia, Aulia; Sari, Maya Macia
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 5 No 2 (2026): April
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v5i2.11075

Abstract

This study aims to analyze the influence of State-Owned Assets (BMN) management efficiency based on performance indicators on its contribution to supporting Sustainable Development Goal (SDG) 8, particularly the aspect of employment absorption. Using a quantitative approach with panel data from 13 Ministries/Agencies for the 2021–2024 period, this research examines the influence of four main performance indicators—productivity and accountability (X1), regulatory compliance (X2), supervision effectiveness (X3), and BMN administration (X4)—on employment absorption (Y) as a proxy for SDG 8. The results of panel data regression analysis with the Fixed Effect model show that only the productivity and accountability variable (X1) has a positive and significant partial effect. However, all four indicators simultaneously have a significant influence and can explain 68.98% of the variation in employment absorption. These findings confirm that a performance-based BMN management approach, especially one focused on optimizing the economic value of assets, makes a tangible contribution to driving inclusive economic growth and job creation, in line with the SDG 8 agenda.
Co-Authors . Darwison Abdul Manab Abdul Rajab Abdullah, Oirunisa Abral, Hairul Achmad Noerkhaerin Putra Achmad Soeharto Achmad Zainul Rozikin Adelia Natsir Kalla, Sherry Adibrata, Sudirman Adryan, Adryan ahmad habibi Ahmaniyah, Ahmaniyah Akbar, Sidderatul Akbar Aldi Pratama Putra Alfi Purnamasari Alifya, Fadya Allo, Karmila Pare Alpradisa, Hafiz Amalia, Frida Amirul Luthfi Amri, Ikhwan Ananda, Restu Patria Andi Mappatompo Andre Setywan Angelia, Fera Anggi, Anggi Anggraini, Nadilla ani ani Animah Animah Anisa Anisa Annisa, Mafazan Nuha Anshari, Zaim Ansyahrin, Alfi Anugrah Annur Arisda Candra Satriawati Arisda Candra Satriawati Arisda Candra Satriwati Asdar Asdar Asdi, Asdi Asra, Yunelly Asriati Asriati, Asriati Astuti, Amelia Dwi Asy-Syifa, Samratul Asy-Syifa, Shafa Rifda ATIKA RAHMAWATI Aulia Zarrah, Nisa Aulia, Anisa Rizki Azis, Agung Putra Azizah, Debby Husna Nur Bahtiar Zulham Baiq Yuni Wahyuningsih Bakhtiar, Rakhman Batubara, Saiful Bayu Sudrajat Budianti, Nur Rahmi Chairil, Effendy Charismatica, Mutiara Christoporus, Christoporus Dali, Meilina Widya Danastri, Ajeng Dwi Retno Ambar Dania, Reiska Rahma Danil, Irma Rahma Desi Erawati, Desi Dessy Pranungsari Dewi Purboningsih Dewi, Avela Dewi, Nurul Kemala Dian Ika Puspitasari Diawita, Milenia Dina Dwi Nuryani Dukalang, Tiara Tri Wardani Dwi Edi Wibowo Dwi Gustiono Dwirainaningsih, Yustiana Dwi E. P. Waldi Eka Putra Waldi Elisa, Lia Erfan, M.Pd, Muhammad Erita Yuliasesti Diah Sari Erma Ariyani Ermawati, Diyan Fahmi, Iqbal Faisyal Razak Fajar, Masyhuril Fathur Rahman fatliani, nurul fatliani Fauzi, Muhammad L. Firman syah, Firman Firmanda, Bayu Fitria, Nor Aida Fuadillah, Muhammad Nur Gunawan Gunawan Gusvita Widia Hakim, Noman Hamadi, Sarah Amalia Hamidah, Annisaul Harahap, Ramadhan Hariadi, Madjumsyah Hasan, Nur Fadhila Hasmiranda, Hasmiranda Hasnawati Hasnawati Hasriani Hasriani, Hasriani Hafifah, Tasya Hernawaty, Hernawaty Husain, Ahmad Fauzan Husna, Aufa Rusydina Husni Mubarak Husnul Khatima, Husnul Ibrahim, Siti Fadilla Ilham, Tiara Salaysha Fatihah Ilhamdi Rusydi, Muhammad Imron Rosyadi Insirat, Mutahira Nur Irawan, Dwi Bagus Izul Arob Jesiska, Adella JUNAID GAZALIN Junaldi Junaldi Kamila, Muna Karno, Ahmad Khoirudin, Ahmad khusnul khotimah Lilis, Lilis Lovita, Wiwin Lubis, M. Faisal Rahendra Lubis, Tiffani Tantina Lukman, Dafria Naila Lutfiatussolihah, Lutfiatussolihah Luthfi , Rizkia Sabrina M Hidayat M. A. B. Sidik M. A. Hafizi M. H Ahmad M. Heru Setiawan M. Hidayat M. I. Jambak M. Nur Iman Ridwan Manik, Nadia Putri Manurung, Muhammad Fajar Ruhud Marsuni, Nur Sandi Maulana Widi Andrian Maulana, Hutomo Atman Maya Panorama, Maya Mayang Safira Melda Latif Miratunnisah, Miratunnisah Misyanto Mondrizal Mondrizal Muh. Rezky Risandi Muhamad Kasai Laisouw Muhammad Erfan, Muhammad Muhammad Habiburrahman Muhammad Kodrat Muhammad Nur Muhammad Taufiq MUHAMMAD YUSUF Muhammad Yusuf Mujuna Hatuala Mukti, Jauhar Mumuh Muharam Muna, Nailatul MUSOLI, MUSOLI Musthofa, M Bahri Mustikadewi, Annisa Widya N. A. Awang Nailiy Huzaimah Najiya, Izza Niken Wahyu Hidayati Nisrina, Nina Nissa Tarnoto Noviza, Neza Novizon, Novizon Nur Izrillah, Imra Nurfadila NURUL HIDAYAH Nurul Hikmah Nirwan NURUL KHOTIMAH Ogah, Ogah Anselm Pamungkas, Mahesa Angel Pane, Almira Zuleika Pasigai, Moh. Aris Paskalina Aprila Tiy Perdana, Daviddefikry Yondra Pohan, Syahrial Hasanuddin Pramesti, Narindra Maura Pramono, Cahyo Prasetio, Bagas Indrianto Pratama, Muhammad Raditya Pratiwi, Anggelia Nurtasbita Prayoga, Rido Ade Primanita, Yanna Prismadanu, Aliffathur Puput Kurnia Sari Puput Kurniasari Purnama Sari Purnamasari, Ariska Putra, Dimas Brian Adi Putri, Rina Mala Raden Ayu Umikalsum Rafli Aldiansya, M. Rahmadani, Adinda Tantri Rahmadani, Khoirunnisa Rizki Rahmawati, Rahmawati Ramadahni, Fitri Hizria Ramadhani, Myca Mitha Rani, Indah Septia Rano Rano, Rano Ratna Indriyani Razak, Faisyal Reza Ferdiansyah Rifda, Rifda Rina Rina Riska, Ahmad Rita Rahmaniati Robiatul Adawiah, Robiatul Robiyanoor, Robiyanoor Rokim, Mohammad Romadhoni, Buyung Ruliaty Ruliaty, Ruliaty Rusman Rusman Sabrifha, Eli Safnah, Safnah Sahputra, Hendra Sahrain, Nuraisya Salahuddin Salahuddin Salman Al Farisi Salmiwati, Salmiwati Salsabila, Nafra Sami'an, Sami'an Sami’an, Sami’an Samson, Deistia Amelia Samudra, Rosiani Sandi, Aldi Prawira Sanjaya, Jimmy Sari, Ayu Kurnia Sari, Maya Macia Sari, Selvi Novia Saroh, Ummu Sarwan, Sarwan Sawaliah, Nuri Nadirah Sayyidana, Zahra Ahla Septiantika, Dewi Fortuna Sesilia, Seli Sherry Edelia Natsir Kalla Siagian, Asminar Br Sidiq, Faiq Ja'far Sihotang, Muliana Sarah Abigael Boru Simbolon, Gloria Kartika Siti Assa’adah Siti Istiningsih, Siti Sitti Sarti Sri Yunita Suraida Salat Sugiannor Sugiannor Suharto, Achmad Sulaiman Sulaiman Suliyanto, Eko Sumarkondi, Mohammad Devano Syafii . Syafitri, Windah Nur Syahputri, Melviana Syazali, Muhammad Syukri Yunus Syukrianza, Muh. Taufik, Taufik Arbain Taufiqurohman, A. H. As’ari Tesya Uldira Septiyeni Triantoro Safaria Trisylvana Azwari Umah, Kuntum Khairah Untung Nopriansyah Usman, Ainun Wafa, Zaenal Wahidin Waweru Njeri Widia, Gusvita Wikurendra, Edza A. Wirayuda, Aldi Yanti, Dhiny Ester Yanuar Zulardiansyah Arief Yanuar Zulardiansyah Arief Yosie Saputri, Maharani Octavia Yulia Wardita Yulianti, Kartika Dewi Yusnadi Yusril, Muh. Z. Abdul-Malek Z. Nawawi Zahrah, Yulia Zahrotunnisa', Mutamimah Zaini, Zaini Zainuddin, Zainuddin Zulaikha, Nur Zulfa, Anis Suhaila Zulkarnain Abdul Malek Zulkarnain Abdul-Malek