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All Journal Jurnal Pendidikan Ekonomi (JUPE) Ekuitas: Jurnal Pendidikan Ekonomi Jurnal Riset Pendidikan Ekonomi Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan Ganaya: Jurnal Ilmu Sosial dan Humaniora Satwika : Kajian Ilmu Budaya dan Perubahan Sosial Jurnal Edueco SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL International Journal of Social Science Kompetensi Journal of Artificial Intelligence and Digital Business Jurnal Prospek: Pendidikan Ilmu Sosial dan Ekonomi Educational Studies: Conference Series Ekuitas Jurnal Pnedidikan Ekonomi
Ratna Fitri Astuti
Mulawarman University, Samarinda, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Analysis of Digital Payment Usage by Field of Work Naufal Dicka Loviananda; Ratna Fitri Astuti; Noor Ellyawati; Vitria Puri Astuti
SOSIOEDUKASI Vol 14 No 4 (2025): SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/sosioedukasi.v14i4.5974

Abstract

The use of digital money in various circles has differences both in frequency and reasons for use. The study aims to determine the use of digital payments based on the field of work and the field of work that utilizes digital payments the most in Samarinda City. The research used a survey type of research, with a descriptive quantitative approach. The sample size was 96 respondents who were residents of Samarinda City with groupings based on field of work. Data collection was done through distributing questionnaires. The research used descriptive analysis and calculation of data percentages, which were processed through the Microsoft Excel application. The results showed that the use of digital payments in Samarinda City provides convenience for people from various occupational groups. People already feel the security, speed, convenience, and efficiency of transactions in using digital payments. 60% of people in Samarinda City based on the field of work in a week use digital payments several times to fulfill their needs.
Pola Konsumsi Masyarakat Kota Samarinda di Era Cashless Society Wahidatul Hidayah; Ratna Fitri Astuti; Reza Reza; Sudarman Sudarman; Noor Ellyawati
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 9 No 3 (2026): Article in Press
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v9i3.5416

Abstract

Consumption patterns are changing with the development of the cashless society era, which is characterized by the ease of digital transactions and the increasing use of online platforms in daily economic activities. In Samarinda, this convenience has the potential to influence how individuals manage expenses and determine consumption priorities. This study aims to analyze the consumption patterns of Samarinda residents in the cashless society era and identify the most dominant indicators in shaping consumption behavior. The study used a quantitative approach with a descriptive design. The sample consisted of 100 adult respondents aged 19–59 years old, determined using the Slovin formula with the sampling technique being accidental sampling. Data were collected through a Likert scale questionnaire and analyzed using descriptive statistics with the calculation of averages and percentages of data. The results of the study, which measured consumption expenditure indicators, changes in consumption over time, the intensity of use of goods and services, and purchasing behavior, showed that in general, the consumption patterns of Samarinda residents were in the very good category with 63% of respondents, followed by the good category with 36%, and only a small portion were in the very bad category. Community expenditure was dominated by basic needs and followed by savings habits. In addition, people tend to shop through online platforms with marketplaces as the main choice. In the purchasing process, people prioritize product quality and authenticity over other factors. These results indicate that Samarinda residents are still able to manage their consumption rationally and purposefully despite the ease of digital transactions. The most dominant indicator of consumption patterns is purchasing behavior, which reflects people's ability to control spending and make informed decisions.
Pengukuran Tingkat Financial Anxiety Dalam Kehidupan Gen Z Kota Samarinda Aura Aziza; Ratna Fitri Astuti; Reza Reza; Sudarman Sudarman; Noor Ellyawati
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 9 No 3 (2026): Article in Press
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v9i3.5426

Abstract

Individuals are at risk of facing uncertainty that can lead to financial anxiety if they lack proper financial planning. Financial anxiety arises from suboptimal financial management, a lack of budgeting habits, and a tendency to prioritize non-essential consumption. This study aims to measure the level of financial anxiety among Gen Z in Samarinda City and identify the most dominant indicators influencing it. The study used a quantitative approach with a descriptive design. A sample of 100 respondents aged 19–24 years was determined using the Slovin formula with an accidental sampling technique. Data were collected through a Likert scale questionnaire and analyzed using descriptive statistics in the form of averages and percentages. The results showed that the majority of respondents (68%) were in the high financial anxiety category, while only a small proportion were in the low and very low categories. The main causes include not being accustomed to budgeting and not recording expenses. The most dominant indicator is the inability to adjust expenses, as reflected in unplanned expenses, the absence of financial evaluations, and the absence of an emergency fund. Gen Z in Samarinda City still faces challenges in financial management that impact high financial anxiety, so it is necessary to improve literacy and discipline in financial planning.
Analisis Komparatif Irasionalitas Ekonomi Pada Generasi Muda Berdasarkan Gender Ava Putri Aurora; Ratna Fitri Astuti; Reza Reza; Sudarman Sudarman; Noor Ellyawati
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 9 No 3 (2026): Article in Press
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v9i3.5456

Abstract

Fulfillment of the needs of life demands that individuals should be able to choose the ideal economic decisions. The decision-making that individuals make to meet needs must be done rationally. When buying or using a product, individuals are supposed to assess and compare the quality of different brands, not just trust one option.  The study aims to determine the comparison of economic irrationality behavior in the younger generation based on gender in Samarinda. The study used a quantitative approach with comparative analysis. The sample was 96 (48 men and 48 women) with respondents aged 16-30 years who were determined using the Lameshow formula with quota sampling technique. Data were collected through Likert scale research questionnaires and analyzed using descriptive statistics in the form of averages and percentages as well as comparative analysis with different tests of Independent Sample t-Test. The results showed that the Independent Sample t-Test obtained a significance value of 0.332 with a value of p>0.05, so that the hypothesis stating the absence of differences in irrationality between men and women is accepted. The young generation of men and women in Samarinda City have high economic irrationality behavior in purchasing decision making which is influenced by emotional, attachment to the price of goods, personal views, and the influence of social media and the social environment without rational consideration related to the needs and benefits of products.
Analisis Faktor yang Mempengaruhi Keputusan Investasi Generasi Muda di Kota Samarinda Sarani Putri Jamdi; Ratna Fitri Astuti; Reza Reza; Sudarman Sudarman; Noor Ellyawati
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 9 No 3 (2026): Article in Press
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v9i3.5621

Abstract

The advancement of digital technology and easy access to various investment instruments have driven increased participation by the younger generation in investment activities. However, sound investment decisions depend not only on the desire for profit but are also influenced by various factors underlying the decision-making process. This study aims to analyze the factors shaping the investment decisions of the younger generation in Samarinda City. A quantitative approach with an explanatory research design was employed. The sample consisted of 96 young individuals aged 15–30 with prior investment experience, selected using purposive sampling. Data were collected via Likert-scale questionnaires and analyzed using Structural Equation Modeling (SEM) with LISREL 10.20 software. The results indicate that the measurement model met goodness-of-fit criteria following model respecification, yielding 21 valid indicators that constitute the research constructs. Factor analysis identified four primary factors shaping the investment decisions of the younger generation in Samarinda City: setting investment goals, determining investment policies, selecting portfolio and asset strategies, and measuring and evaluating portfolio performance. These findings contribute to an understanding of the key dimensions underlying the investment decisions of the younger generation and highlight the importance of strengthening financial literacy and investment education, enabling young people to make investment decisions that are more rational, well-planned, and oriented toward long-term financial goals.
FINANCIAL FREEDOM: THE ROLE OF SUSTAINABLE CONSUMPTION AS A MEDIATOR OF FRUGAL LIVING shilla putri arliyanti; Ratna Fitri Astuti; Vitria Puri Rahayu; Kadori Haidar
SOSIOEDUKASI Vol 15 No 2 (2026): SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/sosioedukasi.v15i2.6731

Abstract

Individuals will achieve financial freedom if they have adopted frugal living in their lives. The study aims to determine whether materialism and economic behavior have a direct and indirect effect on the frugal living of people in the city of Samarinda through the variable of sustainable consumption. The sampling technique used by researchers in the study was a non-probability sampling technique using the incidental sampling method with a sample size of 102 people. The data collection technique used by researchers is by distributing questionnaires. The data analysis used is the path analysis technique using the SmartPLS application. The results showed that people in Samarinda city have a good ability to invest, people do not spend time to have more goods and will use money to save or invest. The economic behavior of people in Samarinda city shows that good economic behavior makes people wise in making decisions to run life and manage finances by prioritizing needs over wants, so that frugal living can be achieved by managing finances wisely. These actions support the application of frugal living which makes people have a secure financial future.
Pengaruh Kualitas Layanan Grab Terhadap Loyalitas Konsumen Pada Mahasiswa Pendidikan Ekonomi Universitas Mulawarman Nirmala Wida Yanti; Sutrisno Sutrisno; Ratna Fitri Astuti; Noor Ellyawati
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.10468

Abstract

Pengaruh kualitas layanan Grab terhadap loyalitas konsumen pada mahasiswa Pendidikan Ekonomi Universitas Mulawarman. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif kausal. Populasi penelitian adalah mahasiswa Pendidikan Ekonomi Universitas Mulawarman angkatan 2022–2025 dengan jumlah sampel 76 responden yang ditentukan menggunakan teknik probability sampling melalui metode sampel jenuh. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan uji asumsi klasik, regresi linier sederhana, uji hipotesis, serta koefisien determinasi (R²) dengan bantuan SPSS versi 25. Hasil penelitian menunjukkan bahwa kualitas layanan berpengaruh positif dan signifikan terhadap loyalitas konsumen. Hal ini dibuktikan melalui hasil uji t yang memperoleh nilai t hitung sebesar 6,211 lebih besar dari t tabel 1,665 dengan nilai signifikansi 0,000< 0,05, sehingga hipotesis alternatif diterima. Nilai koefisien determinasi (R²) sebesar 0,343 menunjukkan bahwa kualitas layanan memberikan kontribusi sebesar 34,3% terhadap loyalitas konsumen, sedangkan 65,7% dipengaruhi oleh faktor lain di luar penelitian. Indikator empati memperoleh nilai rata-rata tertinggi sebesar 3,39, yang menunjukkan bahwa perhatian dan kepedulian terhadap pelanggan menjadi aspek kualitas layanan yang paling dirasakan responden. Semakin baik kualitas layanan yang diberikan Grab, semakin tinggi loyalitas konsumen pada mahasiswa Pendidikan Ekonomi Universitas Mulawarman.
Co-Authors Afrita Afrita Aura Aziza Ava Putri Aurora Christo Sigar Eka Sri Mulyani Febri Kerisdianto Ghanaya Catur Famila Jeremia Hasiholan Napitupulu Kadori Haidar Keirimai Ratrieka Fiberantika Kristina Deby Hong Mustangin Mustangin Nasib Subagio Naufal Dicka Loviananda Nirmala Wida Yanti Noor Ellyawati Novi Pujiastuti Nurhayati Nurhayati Reskiya Anugrah Reza Reza Reza Rio Renaldi Prayoga Ritma Ratri Candra Dewi Riyo Riyadi Rofi Gunawan Rosyidah Rahmaniah Sarani Putri Jamdi shilla putri arliyanti Sudarman Sutrisno Tasya Wardani Tiara Risqi Vitria Puri Astuti Vitria Puri Rahayu Wahidatul Hidayah Waljihan Nur Fitriani Yerina Apui