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All Journal Jurnal Ekonomi dan Pendidikan Jurnal Ekonomi Jurnal Ilmiah Econosains Jurnal Pendidikan Ekonomi & Bisnis JURNAL DINAMIKA MANAJEMEN DAN BISNIS Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal ASET (Akuntansi Riset) Journal of Economic, Bussines and Accounting (COSTING) Performance Indonesian Collaboration Journal of Community Services (ICJCS) Jurnal Pengabdian Masyarakat Bestari (JPMB) Journal of Social And Economics Research Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Research Trend in Technology and Management Jurnal Riset Manajemen dan Ekonomi Jurnal Bisnis, Manajemen, dan Keuangan Cendikia: Jurnal Pendidikan dan Pengajaran Pusat Publikasi Ilmu Manajemen Cendikia Pendidikan Cidea Journal PENG: Jurnal Ekonomi dan Manajemen International Journal of Economics and Management Sciences journal of social and economic research Green Economics: International Journal of Islamic and Economic Education
Umi Widyastuti
Universitas Negeri Jakarta
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Perilaku Konsumtif Pengguna Shopee Pay Later: Peran Moderasi Kontrol Diri pada Generasi Z Avivi Hilwana. A; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/k5em1b31

Abstract

The advancement of technology-based financial services has significantly shaped consumer behavior, particularly among Generation Z. One such innovation gaining widespread use is the PayLater feature, which allows users to make purchases and defer payments to a later time. This study investigates the influence of financial literacy and lifestyle on the consumptive behavior of Shopee PayLater users, while also examining the moderating role of self-control. A quantitative research approach was employed by distributing online questionnaires to Generation Z individuals living in the Greater Jakarta area (Jabodetabek), targeting a sample size of 224 respondents. The data were analyzed using Structural Equation Modeling with a Partial Least Squares (SEM-PLS) approach. The results revealed that lifestyle has a positive and significant impact on consumptive behavior (t = 3.768; p = 0.000). Conversely, both financial literacy and self-control were found to have a negative and significant effect on consumptive behavior (t = 3.383 and 3.746; p = 0.001 and 0.000). Furthermore, self-control was shown to moderate the relationship by weakening the influence of both financial literacy and lifestyle on consumptive tendencies (t = 2.602 and 2.447; p = 0.009 and 0.014). All proposed hypotheses were supported by the findings, highlighting the critical role of enhancing financial literacy and strengthening self-control as key strategies to curb excessive spending behaviors among Generation Z. These insights are expected to serve as valuable input for PayLater service providers in developing more responsible and educational features tailored to the behavioral patterns of younger consumers.
Model Kausalitas Intention to Continue Using E-Wallet Dana: Perceived Ease of Use, Perceived Security, dan User Satisfaction Argy Wahyu Prabowo; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/yac4dw27

Abstract

This study aims to analyze the influence of perceived ease of use, Perceived Security, and User Satisfaction on the Intention to Continue Using the DANA e-wallet. The research is motivated by the growing use of e-wallets in Indonesia, particularly DANA, which calls for a deeper understanding of the factors influencing user loyalty and continued usage. This study employs a quantitative approach using a survey method and an instrument in the form of a questionnaire distributed online to active DANA users in the DKI Jakarta area. The data were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results show that Perceived Ease of Use and Perceived Security have a positive and significant effect on user satisfaction. Furthermore, User Satisfaction is proven to have a positive and significant effect on the Intention to Continue Using the DANA e-wallet. These findings highlight the importance of ease of use and a sense of security in enhancing User Satisfaction and encouraging continued use of e-wallet services.
Analisis Pengaruh Ease of Use dan Perceived Security terhadap User Satisfaction melalui User Trust pada Aplikasi Mobile Banking BCA Hanif Naufal Rafii; Umi Widyastuti; Terrylina Arvinta Monoarfa
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/49gpjd52

Abstract

This study aims to explain the influence of ease of use and perceived security on user satisfaction, with user trust as a mediating variable, in the use of the BCA Mobile banking application. The research employed a quantitative approach using an associative method. Data were collected through questionnaires distributed to respondents who are active users of BCA Mobile and reside in the Jakarta area. The sampling technique used was non-probability sampling with a purposive sampling approach. A total of 112 respondents were analyzed. Data processing was conducted using SmartPLS version 4.0. The analytical techniques included outer model testing, inner model testing, path analysis, t-test, and mediation analysis using the bootstrapping method. The results of the study indicate that: (1) Ease of Use has a positive and significant effect on User Trust; (2) Perceived Security has a positive and significant effect on User Trust; (3) Ease of Use has a positive and significant effect on User Satisfaction; (4) Perceived Security has a positive and significant effect on User Satisfaction; and (5) User Trust has a positive and significant effect on User Satisfaction.
Faktor-Faktor yang Memengaruhi Continuance Intention Melalui E-Satisfaction Sebagai Variabel Intervening pada Aplikasi Tanda Tangan Digital (Studi Kasus PrivyID) Nurul Faizah; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/210aw634

Abstract

This study aims to evaluate the effect of perceived ease of use, perceived value, and perceived security on continuance intention in the use of the PrivyID digital signature application, with e-satisfaction as an intervening variable. This study is motivated by the increasing adoption of digital signature technology in Indonesia, particularly PrivyID, which still faces challenges related to sustained usage. The research uses a quantitative approach with a survey method involving 125 PrivyID users. Data analysis was performed using SmartPLS 4 through the Structural Equation Modeling (SEM) approach based on Partial Least Square (PLS). The results show that the three independent variables (perceived ease of use, perceived value, and perceived security) significantly affect e-satisfaction, which then mediates their effect on continuance intention. These findings emphasize that the level of user electronic satisfaction is a key factor in promoting the continued use of digital signature applications. This research contributes theoretically to the development of user behavior models in the context of financial technology, as well as providing practical implications for service providers like PrivyID to enhance user loyalty through optimizing user experience and service security.  
Analisis Kausalitas Intention to Use Seabank: Perceived Usefulness, Perceived Risk, dan Trust Aldrian; Umi Widyastuti; Terrylina Arvinta Monoarfa
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/d1gx9c80

Abstract

This study aims to provide an explanation of the influence of perceived usefulness, perceived risk, and trust on intention to use the Seabank digital banking application, with trust serving as a mediating variable. The research adopts an associative method with a quantitative approach. Data were collected through the distribution of questionnaires to individuals residing in the Greater Jakarta area (Jabodetabek), aged 17 and above, who are interested in using the Seabank application. The sampling technique used is Non-Probability Sampling with a Purposive Sampling approach. A total of 110 respondents were analyzed. Data processing was conducted using SmartPLS version 4.1.0.9. The analytical techniques employed include outer model testing, inner model testing, path analysis, t-tests, and mediation analysis using the bootstrapping method. The results of the study indicate that: (1) Perceived Usefulness has a significant positive direct effect on Intention to Use; (2) Perceived Risk has a significant negative direct effect on Intention to Use; (3) Trust has a significant positive direct effect on Intention to Use; (4) Perceived Usefulness has a significant positive direct effect on Trust; (5) Perceived Risk has a significant negative direct effect on Trust; (6) There is a significant indirect positive effect of Perceived Usefulness on Intention to Use through Trust; and (7) There is a significant indirect negative effect of Perceived Risk on Intention to Use through Trust
Pengaruh Financial Literacy dan Hedonic Shopping Motivation Terhadap Impulsive Buying Melalui Spending Self Control Sebagai Mediasi pada Pengguna Shopee Paylater Syifa Andarliana Putri; Umi Widyastuti; Terrylina Arvinta Monoarfa
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/6gye4d36

Abstract

This study aims to analyze the effect of financial literacy and hedonic shopping motivation on impulsive buying through spending self-control as a mediator among Shopee Paylater users in DKI Jakarta. Financial literacy and hedonic shopping motivation in this study are also examined for their influence on impulsive consumption behavior that can affect purchasing decisions in e-commerce applications. This research uses a descriptive quantitative method with a survey approach via Google Form for respondent data collection. The data analysis technique used is Structural Equation Modeling (SEM) based on PLS-SEM. The results of this study reveal that financial literacy has a positive effect on spending self-control, which in turn reduces impulsive buying behavior. Additionally, hedonic shopping motivation is found to significantly influence the increase in impulsive buying, although spending self-control acts as a mediator that strengthens this impact.
PENGARUH DUKUNGAN SOSIAL DAN MOTIVASI BELAJAR TERHADAP HASIL BELAJAR KEUANGAN KELAS 11 SMKN 18 JAKARTA Rachdanti, Zanisca Shalma; Dedi Purwana; Umi Widyastuti
Cendikia: Jurnal Pendidikan dan Pengajaran Vol. 1 No. 5 (2023): Cendikia: Jurnal Pendidikan dan Pengajaran
Publisher : Cendikia: Jurnal Pendidikan dan Pengajaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/cendikia.v1i5.645

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh antara dukungan sosial dan motivasi belajar terhadap hasil belajar siswa kelas XI SMKN 18 Jakarta. Metode yang digunakan yakni menggunakan metode survei dengan pendekatan kuantitatif melalui analisis statistic pada regresi linier berganda dengan bantuan alat yakni program IBM SPSS versi 24.0. Teknik pengambilan sampel dalam penelitian ini menggunakan Accidental Sampling. Accidental Sampling adalah teknik penentuan sampel berdasarkan kebetulan. Populasi yang 258 soswa dengan jumlah sampel sebanyak 74 siswa. Pengumpulan data menggunakan hasil survey melalui pengisian kuisioner dan menggunakan skala likert. Selanjutnya Teknik analisis data dalam penelitian ini terdiri dari uji instrument (validitas dan reabilitas); uji persyaratan analisis (uji normalitas dan uji linearitas); uji asumsi klasik (uji multikolinearitas dan uji heterokedastisitas); dan uji hipotesis (Uji F, Uji T, dan uji koefisien determinasi). Berdasarkan hasil penelitian ini menunjukkan bahwa dukungan sosial dan motivasi belajar berpengaruh terhadap hasil belajar siswa.
PENGARUH FINANCIAL LITERACY DAN COMPULSIVE BUYING TERHADAP PROPENSITY TO INDEBTEDNESS Niswah Maghfira; Umi Widyastuti; Dicky Iranto
Journal of Social and Economics Research Vol 5 No 2 (2023): JSER, December 2023
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v5i2.314

Abstract

Penelitian ini bertujuan untuk menguji pengaruh variabel financial literacy dan variabel compulsive buying terhadap variabel propensity to indebtedness pada masyarakat GenZ dengan metode kuantitatif. Responden dalam penelitian ini sebanyak 134 dengan kriteria pengguna paylater dan memiliki kegemaran dalam berbelanja. Teknik pengambilan data pada penelitian adalah purposive sampling dengan metode analisis yang digunakan ialah Partial Least Square - Structural Equation Model (PLS-SEM). Hasil penelitian menunjukkan bahwa financial literacy memiliki hubungan yang negatif terhadap propensity to indebtedness, compulsive buying memiliki hubungan yang positif terhadap propensity to indebtedness, financial literacy memiliki hubungan yang negatif terhadap compulsive buying, dan compulsive buying memediasi secara parsial financial literacy terhadap propensity to indebtedness.
Co-Authors - Maisaroh ACHMAD FAUZI Agung Dharmawan Buchdadi Agus Wibowo Agustiani, Mita Ahmad Fauzi Alda Aurelia Artagita Aldrian Aldrin Herwany Amelia Salsa Sabila Angella Priyatna Annisa Nurur Rahman Aqila Putri Rahmanita Argy Wahyu Prabowo Ati Sumiyati Atika Siti Hajar Avivi Hilwana. A Bunga Cinta Widya By Luthfi Hamdi Caroline Pertiwi Corry Yohana Darma Rika Swaramarinda Destria Kurnianti Dewi Agustin Pratama Sari Dicky Iranto Dicky Iranto Diena Noviarini Diena Noviarini Diena Novirini Dwita Darmawati Eka Faradila Yasmin Erika Takidah Ferdian Hadika Prastya Fitria Nur Aini Gabriella Indah Brigitta Gantrivita Nur Ramida Gatot Nazir Ahmad Gemah Putri Djaelani Haneul Hanif Naufal Rafii I Gusti Ketut Agung I Ketut R. Sudiarditha Inayah, Niswah Jihan Salsabila Khairunnisa M. Edo Suryawan Siregar Marsofiyati Marsofiyati Meta Bara Berutu Meta Bara Berutu Monica Nining Lestari Muhammad Fawaiq Muhammad Fawaiq Muhammad Onto Kusumo Muhammad Rahmansyah Muhammad Yusuf MUHAMMAD YUSUF Nabila Ramadhanti Nabila Resia Isnaini Niswah Maghfira Nurhayati Indiyastuti Nurul Azizeh Nurul Faizah Nurul Khasanah Osly Usman Pandu Irawan Abdullah Pangestika Chandra Dewi Petrolis Nusa Perdana, Petrolis Nusa Purwana E.S., Dedi Putri Aldya Rosada Rachdanti, Zanisca Shalma Rini Nurmala Sari Salma Rahmadani Sarwin Sarwin Saski Aulia Scorita, Kurnia Budhy Shandy Aditya Shandy Aditya Siti Helmyati Siti Nurjanah SRI LESTARI Sri Zulaihati Susanti, Santi Syifa Andarliana Putri Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Terrylina Arvinta Monoarfa Titis Fatarina Mahfirah Usep Suhud Usman Mustofa Vera Intanie Dewi Vidia Ratu Balqis Malzara Widya Parimita, Widya Zakiah, Rizka Zidane Ramadhan