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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 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 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.
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 Noor Ellyawati Novi Pujiastuti Nurhayati Nurhayati Reskiya Anugrah Reza Reza Reza Rio Renaldi Prayoga Ritma Ratri Candra Dewi Riyo Riyadi Rofi Gunawan Rosyidah Rahmaniah Sudarman Tasya Wardani Tiara Risqi Vitria Puri Astuti Vitria Puri Rahayu Wahidatul Hidayah Waljihan Nur Fitriani Yerina Apui