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All Journal Jurnal Promosi Pendidikan Ekonomi ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Ayu Febrianti
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Religion Economics, Econometrics & Finance Education Social Sciences

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ANALISIS KEGIATAN PROGRAM KREATIVITAS MAHASISWA KEWIRAUSAHAAN (PKM-K) PEMANFAATAN LIMBAH RUMAH TANGGA (KALENG, KACA, STYROFOAM, KARDUS, KULIT TELUR) Neta Dian Lestari; Ayu Febrianti
PROMOSI: Jurnal Program Studi Pendidikan Ekonomi Vol 6, No 2 (2018): PROMOSI
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/pro.v6i2.1686

Abstract

 Seeing the condition of our environment which is disputed every day by waste which is increasingly mounting as if this waste is the main problem faced by the government and society. So that people in several countries and even all over the world are competing to solve this problem. If we talk about this waste problem, actually this waste has many benefits including making home decorations, eye cendra, and souvenirs (typical gifts of ASIAN GAMES). Implementation methods carried out in carrying out PKM-K activities Utilization of Household Waste (Cans, Glass, Styrofoam, Cardboard, Eggshells), that consists of some Stages: Preparation, Production, Marketing, Achieving Objectives, Evaluations and Reports. Based on the marketing results of several bazaar activities, the conclusion was that PKM-K Utilization of Household Waste is very beneficial for the surrounding environment because it can recycle waste into creative products. Based on the results of this utilization, PKM-K activities can generate benefits for students financially, the profit obtained from waste treatment is 73.73%. 
Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Keputusan Penggunaan Pay-Later Ayu Febrianti; Adria Wuri Lastari; Evrina
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11268

Abstract

The use of pay-later services among university students continues to increase, but research integrating financial literacy and lifestyle in explaining decisions to use these services remains limited. This study aimed to analyze the effects of financial literacy and lifestyle on decisions to use pay-later services among students of the Management Study Program, Faculty of Economics, Universitas Adiwangsa Jambi. The study employed a quantitative approach with a causal-associative design. The research sample consisted of 55 students selected through purposive sampling based on the criteria of being active students who were aware of or had previously used pay-later services. Data were collected using a Likert-scale questionnaire and analyzed through Partial Least Squares–Structural Equation Modeling with the assistance of SmartPLS. The results showed that financial literacy had a positive and significant effect on decisions to use pay-later services (β = 0.305; p = 0.003). Lifestyle also had a positive and significant effect on decisions to use pay-later services (β = 0.502; p < 0.001) and was the more dominant factor. Financial literacy and lifestyle jointly explained 52.3% of the variation in decisions to use pay-later services. These findings strengthen the application of the Theory of Planned Behavior in the context of digital financing and confirm that decisions to use pay-later services are influenced not only by the ability to understand financial matters but also by students’ consumption patterns. Practically, higher education institutions need to develop digital financial literacy programs accompanied by efforts to strengthen students’ ability to control consumptive behavior. Future studies are recommended to examine the roles of self-control, income, promotion, and social influence in explaining decisions to use pay-later services. Keywords: Financial Literacy; Lifestyle; Usage Decision; Pay-Later; University Students
Co-Authors Evrina Lestari, Adria Wuri Neta Dian Lestari