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All Journal MIX : Jurnal Ilmiah Manajemen Jurnal Akuntansi dan Pajak JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Petra International journal of Business Studies (IJBS) MANAJEMEN DEWANTARA IJIIS: International Journal of Informatics and Information Systems Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) Jurnal Bisnis, Manajemen & Ekonomi Jurnal Manajemen dan Kewirausahaan Jurnal Terapan Ilmu Manajemen dan Bisnis (JTIMB) KOLONI International Journal of Financial and Investment Studies JBIMA: Jurnal Pengabdian kepada Masyarakat INTEGRATION: Journal of Multidisciplinary Studies
Evelyn Evelyn
Universitas Kristen Petra
Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pendampingan UMKM dalam Strategi Harga melalui Analisis Supplier dan Kompetitor Angellica Jesslyn Budiyanto; Mercy Angelita; Alfredo Yostan; Kenneth Tomiwijaya; Nicolaus Calvin Rahardjo; Jocelyn Ester Pari Matulessy; Evelyn Evelyn
Jurnal Pengabdian kepada Masyarakat Vol 2 No 3 (2025)
Publisher : PT. Edutech Inovatif Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64109/edg78z78

Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan sebagai bentuk pendampingan bagi salah satu Usaha Mikro, Kecil, dan Menengah (UMKM) di Surabaya yang bergerak di bidang penjualan perabotan rumah tangga berbahan plastik dan melamin. Permasalahan utama mitra adalah belum adanya analisis yang sistematis terhadap pemasok (supplier) dan pesaing (kompetitor), sehingga strategi penetapan harga dan pengendalian biaya belum berbasis data keuangan yang akurat. Hal ini menyebabkan mitra kesulitan menentukan harga jual yang kompetitif dan menjaga stabilitas arus kas usaha. Tujuan kegiatan ini adalah membantu mitra dalam melakukan analisis supplier dan kompetitor guna menekan biaya pembelian, menentukan harga yang kompetitif, serta meningkatkan profitabilitas usaha berbasis data keuangan. Metode pelaksanaan menggunakan pendekatan design thinking melalui lima tahapan, yaitu understand, observe, define, ideate, dan prototype, dengan aktivitas utama berupa wawancara, observasi lapangan, serta pengumpulan data transaksi daring dari platform e-commerce. Hasil kegiatan menunjukkan bahwa penerapan sistem pencatatan keuangan sederhana dan analisis eksternal berbasis data membantu mitra memahami struktur biaya, mengidentifikasi supplier paling efisien, serta menyesuaikan strategi harga dengan posisi kompetitor di pasar digital. Secara keseluruhan, kegiatan ini berhasil meningkatkan kemampuan mitra dalam mengambil keputusan bisnis berbasis data, mengefisienkan rantai pasok, serta memperkuat daya saing usaha di tengah persaingan digital yang semakin ketat.
DIGITAL FINANCIAL LITERACY, FINANCIAL STRESS, AND SCAM AWARENESS: THE MODERATING ROLE OF FINANCIAL BEHAVIOR Kevin Widjanarko; Christopher Bradley Budiono; Evelyn Evelyn
Jurnal Terapan Ilmu Manajemen dan Bisnis Vol 8 No 2 (2025): JTIMB | Desember 2025
Publisher : Program Studi Magister Manajemen Universitas Advent Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58303/hhgs4010

Abstract

Investment scams are everywhere. So we need to understand better what makes people notice financial risks online. The purpose of this study is to analyze the influence of Digital Financial Literacy (DFL) and Financial Stress (FS) on Awareness of Investment Scam (AoIS) in Indonesian young adults, moderated by Financial Behavior (FB). Based on the Theory of Planned Behavior (TPB) and the Stress and Coping Theory, this study explains how digital financial knowledge, financial stress, and financial behavior interact in forming awareness of digital investment scam. The research uses a quantitative associative method and involves 400 respondents aged 20–40 years who actively use social media. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results of the measurement model show good reliability and validity. The structural model shows that DFL, FS, and FB have a significant effect on AoIS. In addition, FB strengthens the influence of DFL on AoIS and reduces the influence of FS on AoIS. The findings show that higher digital financial literacy and good financial behavior increase people’s awareness of investment scams, while financial stress that is managed adaptively can also increase alertness through a problem-focused coping process.
Machine Learning-Based Fraud Detection in E-Commerce Transactions Evelyn Evelyn; Adi Suryaputra Paramita
International Journal of Informatics and Information Systems Vol. 9 No. 1: January 2026
Publisher : International Journal of Informatics and Information Systems

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/ijiis.v9i1.295

Abstract

The rapid growth of e-commerce has heightened fraud risks, demanding advanced fraud detection solutions. This study evaluates five machine learning models Logistic Regression, SVM, KNN, Random Forest, and Gradient Boosting for detecting fraudulent transactions in e-commerce environments. The models were assessed based on accuracy, precision, recall, F1-score, ROC-AUC, and error-related indicators. Results indicate that ensemble-based models, particularly Gradient Boosting and Random Forest, consistently outperform linear models like Logistic Regression, achieving superior balance between precision and recall. Gradient Boosting emerged as the top performer, with the highest accuracy (0.9763), F1-score (0.9765), and ROC-AUC (0.9880), while maintaining a low false negative rate (4.38%). These findings suggest that machine learning models, particularly ensemble methods, provide robust and efficient fraud detection frameworks. The study emphasizes the importance of using recall and F1-score as primary metrics to balance fraud detection sensitivity and operational efficiency.
Peran Financial Socialization dalam Memediasi Pengaruh Digital Financial Literacy terhadap Digital Financial Behaviour Generasi Z Billy Mathew Hadap; Evely Evelyn
KOLONI Vol. 5 No. 2 (2026): JUNI 2026
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/koloni.v5i2.994

Abstract

The development of digital financial services provides Generation Z with greater convenience in conducting financial activities, but it also requires proper financial management capabilities. This study aims to examine the effect of digital financial literacy on digital financial behaviour and the mediating role of financial socialization among Generation Z. This study employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 413 Generation Z respondents who reside in Surabaya, earn their own income, and actively use digital financial services. The sampling technique used was purposive sampling, while the data were analysed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results demonstrate that digital financial literacy has a significant effect on digital financial behaviour. Furthermore, financial socialization partially mediates the effect of digital financial literacy on digital financial behaviour. These findings indicate that the ability to understand and use digital financial services, supported by financial learning through parents, peers, and digital media, can encourage Generation Z to develop better, more rational, and responsible digital financial behaviour.
Financial knowledge, skills, and attitudes as predictors of traders’ financial literacy Graziella Wiguna; Evelyn Evelyn
INTEGRATION: Journal of Multidisciplinary Studies Vol. 1 No. 2 (2026): INTEGRATION: Journal of Multidisciplinary Studies - August
Publisher : SCM PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65881/integration.v1i2.87

Abstract

Purpose: to investigate whether financial knowledge, financial skill, and financial attitude serve as significant predictors of financial literacy among traders at Gedhe Market Solo. Method: this study adopted a quantitative, cross-sectional research design. Primary data were collected through questionnaires from 113 traders at Gedhe Market Solo, selected through random sampling. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS to assess the effects of financial knowledge, financial skill, and financial attitude on financial literacy. Findings: financial knowledge, financial skill, and financial attitude significantly and positively influence financial literacy among traders. Financial knowledge was found to be the most influential factor, followed by financial attitude and financial skill. These results highlight the importance of enhancing traders’ knowledge, skills, and attitudes to improve their financial literacy. Implications: efforts to improve traders’ financial literacy should focus on strengthening financial knowledge, financial skills, and financial attitudes through targeted financial education and training programs. Originality: lies in its focus on traditional market traders at Gedhe Market Solo and its comprehensive examination of financial knowledge, financial skill, and financial attitude as predictors of financial literacy.
SPENDING HABITS GENERASI X DALAM BERBELANJA DI E-COMMERCE Ivan Jovian Iskandar; Evelyn Evelyn
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 10, No 2 (2024): Vol 10, No. 2 (2024)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v10i2.9917

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh financial attitude, financial knowledge, dan social media terhadap spending habits generasi X dalam berbelanja di e-commerce. Populasi dalam penelitian ini adalah X (berusia 41-56 tahun) di kota Surabaya. Jumlah sampel dilakukan dengan menggunakan rumus Lemeshow, dengan tingkat ketelitian 10%, sehingga diperoleh jumlah sampel minimal yang harus dicapai adalah 100 orang. Pengumpulan data dilakukan menggunakan kuesioner. Data dianalisis dengan menggunakan Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa financial attitude, financial knowledge, dan spending habit berpengaruh signifikan terhadap spending habits. Hal ini menunjukkan sebaiknya generasi X mampu menggunakan social media dengan bijak, membiasakan financial attitude yang baik, dan meningkatkan financial knowledge dalam mengelola keuangannya sehingga terhindarkan dari kesulitan keuangan di masa yang akan datang.ABSTRACTThis study aims to determine the effect of financial attitude, financial knowledge, and social media on spending habits of generation X in shopping on e-commerce. The population in this study was X (aged 41-56 years) in the city of Surabaya. The number of samples was carried out using the Lemeshow formula, with a level of accuracy of 10%, so that the minimum number of samples that must be achieved is 100 people. Data collection was carried out using a questionnaire. Data were analyzed using Partial Least Square (PLS). The results showed that financial attitude, financial knowledge, and spending habits had a significant effect on spending habits. This shows that generation X should be able to use social media wisely, get used to a good financial attitude, and improve financial knowledge in managing their finances so that they can avoid financial difficulties in the future.
Co-Authors Adi Suryaputra Paramita Alfredo Yostan Angellica Jesslyn Budiyanto Billy Mathew Hadap Christopher Bradley Budiono Claudia Claudia Dennis Alexander Joedono Dewi Astuti Dewi Astuti Grace Vanessa Wijaya Graziella Wiguna Ivan Jovian Iskandar James Tan Jessica Willyanto Jocelyn Ester Pari Matulessy Kenneth Tomiwijaya Kevin Widjanarko Mercy Angelita Nadya Angelica Nicolaus Calvin Rahardjo Njo Anastasia Rex Gosal Ricky Ricky Rizon Rizon Sherly Tanoto Stephen Geraldo Tanoto, Sherly Rosalina