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All Journal Sains: Jurnal Manajemen dan Bisnis International Journal of Economics, Business and Accounting Research (IJEBAR) AKUNSIKA: Jurnal Akuntansi dan Keuangan Jurnal Bisnis Event Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen
Nuraeni Hadiati Farhani
Politeknik Negeri Jakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Faktor-faktor yang Mempengaruhi Minat Mahasiswa Menggunakan Paylater dengan Model UTAUT2 Nuraeni Hadiati Farhani; Annisa Alifa Ramadhani; Dini Ayuning Ratri Sukimin; A Nursyamsi Amin
AKUNSIKA: Jurnal Akuntansi dan Keuangan Vol 4, No 2, Juli 2023
Publisher : Jurusan Akuntansi Politeknik Negeri Ujung Pandang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31963/akunsika.v4i2.4303

Abstract

Kemajuan dunia teknologi telah memberikan dampak positif di berbagai aspek kehidupan. Keberadaan e-commerce dapat mengakomodir berbagai kebutuhan tersebut, salah satunya adalah berbelanja dengan ketersediaan produk yang lebih beragam dalam satu tempat. Mahasiswa merupakan salah satu kalangan yang termasuk dalam generasi Z yang sudah memiliki akses untuk menjadi pengguna paylater. Sebagai calon pengguna paylater, mahasiswa dapat menjangkau layanan tersebut dengan mudah dan praktis. Keadaan tersebut berimplikasi pada keberadaan mahasiswa yang belum memiliki penghasilan tetapi sudah memiliki kebutuhan tambahan dana. Penelitian ini bertujuan untuk mengetahui  minat penggunaan fitur paylater pada mahasiswa di Politeknik Negeri Jakarta dengan mengadopsi model Unified Theory of Acceptance and Use of Technology (UTAUT2). Metode penelitian yang digunakan adalah metode kuantitatif dengan menggunakan metode survey melalui kuesioner secara online. Penelitian ini menggunakan pendekatan skala likert dan pengambilan sampel menggunakan purposive sampling. Hasil penelitian menunjukan bahwa  Ekspektasi usaha, Ekspektasi kinerja, Pengaruh sosial, Fasilitas pendukung, Nilai harga, Motiviasi hedonis, dan Kebiasaan secara parsial berpengaruh posiif dan signifikan terhadap keputusan menggunakan paylater oleh mahasiswa Politeknik Negeri Jakarta.
INTEGRATING FINANCIAL LITERACY INTO GEN Z'S PAYLATER CONSUMPTION AND FINANCIAL WELL-BEING: A CONCEPTUAL PAPER Asterina Anggraini; Annisa Wardhani; Nuraeni Hadiati Farhani
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No 2 (2026): IJEBAR: Vol. 10, Issue 2, June 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10i2.19925

Abstract

This paper discusses how using Buy Now Pay Later (BNPL) affects the financial well-being of Generation Z in Indonesia. This comes at a time when digital financial services are rapidly growing and young consumers are spending more. The study aims to create a framework that explains the connection between PayLater usage, impulsive buying, financial literacy, and financial well-being. It uses a conceptual and explanatory method, including a thorough review of recent studies on fintech behavior, behavioral finance, and digital consumption trends. The findings show that using PayLater can lead to more impulsive buying. This is due to deferred payment options, the convenience of digital transactions, and strong online promotions. These factors may harm financial well-being by increasing stress, leading to high digital debt, weak spending habits, and reduced saving ability. However, financial literacy is seen as a protective factor. It can help lessen the negative impact of PayLater by promoting smarter financial choices and better money management among Generation Z. This paper adds to the understanding of fintech and behavioral finance in the context of Indonesia’s digital economy.
Persepsi Risiko dan Perilaku Konsumtif: Implikasinya Terhadap Minat Menggunakan Fitur Paylater Pada Traveloka Defa Febiska; Nuraeni Hadiati Farhani
Sains: Jurnal Manajemen dan Bisnis Vol 18, No 1 (2025)
Publisher : Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jmb.v18i1.36056

Abstract

The development of digital financial technology has introduced innovative payment systems such as Buy Now Pay Later (BNPL), with Traveloka’s TPaylater as one of the emerging services. This study examines how customer risk perception and behavior influence TPaylater usage. SPSS 25 was used for multiple linear regression analysis. A questionnaire was sent to 100 TPaylater users in Greater Jakarta (Jabodetabek). Consumer behavior was measured through impulsive and rational purchasing tendencies, while risk perception was analyzed through five dimensions: financial, performance, privacy, time, and delivery. Consumer behavior, particularly impulsive purchasing, positively impacted user interest in TPaylater, while risk perception did not. These findings suggest that despite awareness of potential risks, consumer tendencies to seek convenience and immediate gratification often override concerns, thereby increasing the likelihood of using such credit-based digital features. Future research is advised to consider additional factors such as financial literacy and social influence, which may further clarify behavioral patterns in digital financial service adoption.
Exploring the Dynamics of Price Competitiveness and Tourism Openness in Enhancing Bandung City’s Local Revenue Asterina Anggraini; Annisa Wardhani; Meisa Sofia; Nuraeni Hadiati Farhani; Diara Nazifa Rizqi Kamalia
Bisnis Event Vol. 7 No. 26 (2026): Jurnal Bisnis Event
Publisher : Program Studi MICE, Jurusan Administrasi Niaga, Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/bev.v7i26.6856

Abstract

This study analyses the dynamics of the Price Competitiveness Indicator (PCI) and Openness Indicator (OI) in driving Bandung City's Local Own-Source Revenue (PAD) during the 2019-2023 period. A quantitative descriptive method with trend analysis was used to map the changing patterns of these three variables. The results show that PCI has a strong positive correlation with PAD, where a sharp decline in 2020 due to the COVID-19 pandemic was followed by a significant recovery through 2023. In contrast, the contribution of OI to PAD was relatively small and weak, although it showed an increasing trend post-pandemic. The study's conclusion indicates that price competitiveness is the main short-term driver of PAD, while openness is more strategic for long-term growth. The policy implication is the need for a balance between price stabilization strategies and enhancing destination openness.
Tailoring Organizational Needs: Application of Accounting Information System and Financial Management Feasibility Study Rahmanita Vidyasari; Desyria Pratiwi; Nuraeni Hadiati Farhani; Vallida Hafiza; Ariawan Andi Suhandana
Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Vol. 8 No. 2 (2026): Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen
Publisher : Jurusan Akuntansi Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/jraam.v8i2.006

Abstract

Purpose: this study develops and evaluates the viability of a web-based Accounting Information System (AIS) for kindergarten financial management.Method: this study employed a descriptive qualitative methodology using a case study approach. Data were collected through interviews, observations, and document analysis, and the proposed accounting information system model was developed based on the identified institutional needs. The feasibility of the system was evaluated using the TELOS framework. Results: the web-based AIS, illustrated in flowcharts and associated with school conditions and regulations, can integrate budget planning, transaction recording, and financial reporting, producing accountable outputs consistent with SAK standards. Novelty: the innovation involves modifying the TELOS-based AIS feasibility study for kindergarten facilities to address specific problems and school conditions such as inadequate financial tracking and the need for tailored budgeting processes that reflect the specific operational challenges faced by early childhood education institutions.Contribution: The adoption of this system will enhance accountability, improve the accuracy of financial reporting, and reduce the risk of fraud. Abstrak: Menyesuaikan Kebutuhan Organisasi: Penerapan Sistem Informasi Akuntansi dan Studi Kelayakan Manajemen KeuanganTujuan: Penelitian ini mengembangkan dan mengevaluasi kelayakan sistem informasi akuntansi (SIA) berbasis web untuk pengelolaan keuangan taman kanak-kanak.Metode: Penelitian ini menggunakan metodologi kualitatif deskriptif dengan pendekatan studi kasus. Data dikumpulkan melalui wawancara, observasi, dan analisis dokumen, sedangkan model sistem informasi akuntansi yang diusulkan dikembangkan berdasarkan kebutuhan kelembagaan yang teridentifikasi. Kelayakan sistem dievaluasi menggunakan kerangka kerja TELOS.Hasil: AIS berbasis web, yang digambarkan dalam diagram alur dan disesuaikan dengan kondisi serta peraturan sekolah, dapat mengintegrasikan perencanaan anggaran, pencatatan transaksi, dan pelaporan keuangan, sehingga menghasilkan output yang akuntabel dan sesuai dengan standar SAK.Kebaruan: Inovasi ini melibatkan modifikasi studi kelayakan AIS berbasis TELOS untuk fasilitas taman kanak-kanak guna mengatasi masalah spesifik dan kondisi sekolah, seperti pelacakan keuangan yang tidak memadai serta kebutuhan akan proses penganggaran yang disesuaikan untuk mencerminkan tantangan operasional khusus yang dihadapi oleh lembaga pendidikan anak usia dini.Kontribusi: Penerapan sistem ini akan meningkatkan akuntabilitas, meningkatkan akurasi pelaporan keuangan, dan mengurangi risiko kecurangan.
Co-Authors A Nursyamsi Amin Annisa Alifa Ramadhani Annisa Wardhani Ariawan Andi Suhandana Asterina Anggraini Defa Febiska Desyria Pratiwi Diara Nazifa Rizqi Kamalia Dini Ayuning Ratri Sukimin Meisa Sofia Vallida Hafiza Vidyasari, Rahmanita