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All Journal Jurnal Ilmiah Ekonomi Islam Islaminomics: Journal of Islamic Economics, Business and Finance JURNAL MANAJEMEN BISNIS Journal of Information System, Applied, Management, Accounting and Research Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Jurnal Akuntansi & Perpajakan Jayakarta Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Kajian Ilmiah International Journal of Social Science JURNAL ILMIAH AKUNTANSI DAN MANAJEMEN East Asian Journal of Multidisciplinary Research (EAJMR) JURNAL ECONOMINA Madani: Multidisciplinary Scientific Journal Jurnal Riset Manajemen Jurnal Riset Manajemen dan Ekonomi Jurnal Bisnis dan Ekonomi Jurnal Ilmiah Ekonomi dan Manajemen Maslahah: Jurnal Manajemen dan Ekonomi Syariah Neraca Manajemen, Akuntansi, dan Ekonomi JURNAL RUMPUN MANAJEMEN DAN EKONOMI Indonesian Journal of Economics and Strategic Management JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Portofolio: Jurnal Manajemen dan Bisnis Jurnal Manajemen Bisnis Digital Terkini Jurnal Riset dan Inovasi Manajemen IJEMA
Pitoyo, Bayu Seno
Universitas Bhayangkara Jakarta Raya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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Pengaruh Kemudahan Penggunaan Fintech, Self-Control, dan Gaya Hidup terhadap Pengelolaan Keuangan Pribadi Generasi Z di Bekasi pada Era Cashless Society Devina Elga Ranjani; Christophorus Indra Wahyu Putra; Eri Bukhari; Bayu Seno Pitoyo
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 3 (2026): Juli: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i3.1478

Abstract

This study aims to analyze the influence of the ease of use of fintech, self-control, and lifestyle on the personal financial management of Generation Z in Bekasi City. A quantitative approach was used with a purposive sampling technique, involving 148 respondents of fintech users from Generation Z. Data was analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to test the relationship between variables. The results of the study showed that the three variables had a positive and significant effect on personal financial management. The self-control variable had the strongest influence (O = 0.524; P < 0.001), followed by fintech's ease of use (O = 0.262; P < 0.001), and lifestyle (O = 0.135; P = 0.021). These findings confirm that self-control is a key factor in shaping healthy financial behaviors, while easy access to fintech services and lifestyle patterns also strengthen the effectiveness of financial management. This research makes a practical contribution to the development of financial literacy strategies that emphasize the importance of self-control, the use of financial technology, and the awareness of a balanced lifestyle. Thus, the results of the research can be the basis for educational institutions, fintech service providers, and policymakers in designing financial capacity building programs for Generation Z.
Pengaruh Financial Literacy, Digital Financial Behavior, Income Level dalam Pengambilan Keputusan Penggunaan Layanan Buy Now Pay later (BNPL) Revilia Nur Vardania Putri; Christophorus Indra Wahyu Putra; Ferawaty Puspitorini; Bayu Seno Pitoyo
Jurnal Riset dan Inovasi Manajemen Vol. 4 No. 3 (2026): Agustus: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v4i3.6555

Abstract

This study aims to analyze the effects of financial literacy, digital financial behavior, and income level on decision-making regarding the use of Buy Now Pay Later (BNPL) services among Generation Z in Bekasi City. This study employed a quantitative approach using a survey method. The sample consisted of 100 respondents selected through purposive sampling based on predetermined criteria. Primary data were collected through questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that financial literacy has a positive and significant effect on BNPL usage decisions (β = .323, p = .016). Digital financial behavior also has a positive and significant effect (β = .523, p < .001), while income level has a negative and significant effect (β = −.176, p < .001). These findings suggest that higher financial literacy and better digital financial behavior support more informed decisions regarding BNPL use. Conversely, higher income levels are associated with a lower tendency to use BNPL services. The study emphasizes the importance of financial literacy and prudent digital financial management in promoting responsible use of digital financial services.
PENGARUH KNOWLEDGE MANAGEMENT DAN GAYA KEPEMIMPINAN TERHADAP KINERJA PELAKU UMKM KULINER DI KOTA BEKASI YANG DIMEDIASI INOVASI Adhelia Yamilla Hafiz; Ari Sulistyowati; Bayu Seno Pitoyo
IJESM Indonesian Journal of Economics and Strategic Management Vol. 4 No. 2 (2026): JULY
Publisher : Draf Solusi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan menganalisis pengaruh Knowledgemanagement dan gaya kepemimpinan terhadap kinerjapelaku UMKM kuliner di Kota Bekasi dengan inovasisebagai variabel mediasi. Penelitian ini dilatarbelakangioleh meningkatnya jumlah UMKM kuliner di Kota Bekasiyang belum sepenuhnya diikuti peningkatan kualitaskinerja usaha. Pendekatan kuantitatif deskriptif digunakandengan data primer dari 154 pelaku UMKM kuliner melaluikuesioner berskala Likert. Data dianalisis menggunakanStructural Equation Modeling-Partial Least Square (SEM-PLS) dengan bantuan SmartPLS versi 4.0. Hasil penelitianmenunjukkan bahwa Knowledge management dan gayakepemimpinan berpengaruh positif dan signifikanterhadap inovasi maupun kinerja UMKM. Inovasi jugaberpengaruh positif dan signifikan terhadap kinerjaUMKM, serta mampu memediasi pengaruh Knowledgemanagement dan gaya kepemimpinan terhadap kinerjaUMKM. Temuan ini mengindikasikan bahwa pengelolaanpengetahuan yang efektif, gaya kepemimpinan yang tepat,dan peningkatan inovasi merupakan faktor penting bagipertumbuhan kinerja UMKM kuliner.
Pengaruh Diskon, Flash Sale, dan Live Shopping terhadap Keputusan Pembelian pada Brand The Originote di Shopee (Studi pada Mahasiswa Prodi Manajemen Angkatan 2020 Universitas Bhayangkara Jakarta Raya) Tsamara Husniyyah; Dewi Sri Woelandari Pantjolo; Bayu Seno Pitoyo
JURNAL ECONOMINA Vol. 3 No. 2 (2024): JURNAL ECONOMINA, Februari 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v3i2.1203

Abstract

Penelitian ini bertujuan mengevaluasi dan memahami pengaruh parsial dan simultan dari diskon, flash sale, dan live shopping terhadap keputusan pembelian pada brand The Originote di platform Shopee. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan teknik purposive sampling. Populasi dalam penelitian ini adalah konsumen The Originote di prodi manajemen Angkatan 2020 Universitas Bhayangkara Jakarta Raya dengan sampel sebanyak 200 responden. Teknik analisis yang digunakan dalam penelitian ini adalah analisis regresi linier barganda dengan menggunakan perangkat lunak SPSS 25. Hasil penelitian menunjukkan bahwa diskon, flash sale, dan live shopping secara parsial dan simultan berpengaruh signifikan terhadap keputusan pembelian pada brand The Originote di platform Shopee.
Co-Authors Achmad Fauzi Adhelia Yamilla Hafiz Alif Syaridwan Amanda, Okky Wahyu Amelia Putri, Shinta Ana Berti Atmajayanti Andhika Napitupulu Andini, Desvita Aisya Apollo Daito Aprilia, Tantri Ari Sulistyowati Ari Sulistyowati Ari Sulistyowati, Ari Atika Febriyanti Bukhari, Eri Devina Elga Ranjani Dewi Puspaningtyas Faeni Dewi Sri Woelandari Giningroem Dewi Sri Woelandari Pantjolo Dewi Sri Woelandari Pantjolo Dewi Sri Wulandari Diah Ayu Sefianggraini Dody Kurniawan Felisyana, Risma Ferawaty Puspitorini Handayani, Milda Handayani, Novia Harnovinsah Harnovinsah Hasanuddin Hasanuddin Husniyyah, Tsamara Jumawan Jumawan, Jumawan Mega Rahmanda Zulhidayani Melinda Dwi Haryanti Muhammad Fahriansyah Nanda Hanifah Putri Nathasyah Nathasyah Novita Syahidah Sari Nugroho, Muhammad Yusuf Nurazizah, Rizty Dwi Nurmala Ahmar Nurul Khotimmah Pantjolo, Dewi Sri Woelandari Pasyila Aulyana Nabilah Peter Narotama Sunardi Prasetyo, Andhika Rifki Prastiani, Niken Dwi Pratama, Afiq Arya Putra, Christophorus Indra Wahyu putri setyawati Putri, Nanda Hanifah Ramadhanti, Reifa Galih Revilia Nur Vardania Putri Rianto, Muhammad Richo Ribka Agustina Rif'an Ahmadi Rivaldi, Ahmad Riyanto Wujarso Roy Prakoso S, Sufyati H Salman Al Farisi Sarah Intan Tasia Sari, Dhea Puspita Sari, Novita Syahidah Shawa, Bagus Naufal Putra Siti Roudotul Wahda Siti Wahdaniyah Putri Sufyati HS Supriyanto Supriyanto Suyanto Suyanto Tarigan, Gita Claudia Br Tri Widyastuti Tri Widyastuti Tsamara Husniyyah Tuhu Setya Ning Tyas Untari, Dhian Tyas Wanti, Eny Trisno Widjanarko, Wirawan Woelandari Pantjolo Giningroem, Dewi Sri Woestho, Choiroel Yunita, Tyna