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All Journal Jurnal Ekonomi dan Pendidikan JURNAL ECONOMIA Jurnal Siasat Bisnis Jurnal Teknik Sipil Indonesian Journal of Business and Entrepreneurship (IJBE) Proceeding Seminar LPPM UMP Tahun 2014 Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal E-Dimas: Jurnal Pengabdian kepada Masyarakat Al Ishlah Jurnal Pendidikan Jurnal Manajemen & Keuangan Jurnal Manajemen Indonesia Jurnal Dinamika Ekonomi dan Bisnis Journal of Dedicators Community EQIEN - JURNAL EKONOMI DAN BISNIS JABE (Journal of Applied Business and Economic) Referensi : Jurnal Ilmu Manajemen dan Akuntansi EKUITAS (Jurnal Ekonomi dan Keuangan) JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Jurnal Bisnis dan Akuntansi Jurnal Administrasi dan Manajemen COLLASE (Creative of Learning Students Elementary Education) Jurnal Pengabdian Al-Ikhlas Economic Education and Entrepreneurship Journal Jurnal Ekonomi Manajemen Sistem Informasi Revitalisasi : Jurnal Ilmu Manajemen EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Law Development Journal Golden Ratio of Mapping Idea and Literature Format Jurnal Manajemen dan Kewirausahaan World Psychology Al-Maqashid: Journal of Economics and Islamic Business An-Nashiha: Journal of Broadcasting and Islamic Comunication Studies Busyro : Jurnal Dakwah dan Komunikasi Islam JKMP (Jurnal Kebijakan dan Manajemen Publik) PEKAT : Jurnal Pengabdian Kepada Masyarakat Melati: Jurnal Media Komunikasi Ilmu Ekonomi Jurnal Pengabdian Masyarakat dan Lingkungan Nusantara Educational Review SASI Kifah Journal of Business and Information System
Hadi Ismanto
Fakultas Ekonomi Dan Bisnis Universitas Islam Nahdlatul Ulama Jepara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Public Health Social Sciences Other

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Determinants of E-wallet User Satisfaction: Digital Financial Literacy, Ease of Use, and Trust in Generation Z Aisyah, A.; Ismanto, Hadi
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2083

Abstract

The rapid development of financial technology has driven significant transformations in digital payment systems, particularly through e-wallets. Generation Z, as digital natives and active e-wallet users, faces challenges related to digital financial literacy that could potentially impact their satisfaction levels. The purpose of this study is to analyze the factors influencing e-wallet user satisfaction among Generation Z, with a focus on the role of digital financial literacy, ease of use, and trust as key determinants, thus providing guidance for digital financial service providers in designing strategies to improve user satisfaction. This study uses a quantitative approach with primary data obtained through a questionnaire in the form of Google Forms. The population of this study is Generation Z in Jepara Regency who use e-wallets. The sampling technique used is non-probability sampling with a purposive sampling method. The criteria used by researchers to select the sample in this study are Generation Z born between 1997 and 2012, domiciled in Jepara, and have experience in using e-wallets (e.g., Dana, GoPay, OVO, ShopeePay, LinkAja). Data analysis was conducted using SmartPLS through outer model testing, inner model testing, and hypothesis testing. The research results show that digital financial literacy, ease of use, and trust have a positive and significant impact on user satisfaction. Thus, a good understanding of digital financial products, ease of use, and trust are key factors in determining user satisfaction. Operating an e-wallet and trusting the security of the service are the main keys to increasing Generation Z user satisfaction with e-wallets amidst increasingly fierce competition in the digital economic ecosystem.
Pengawasan Penyaluran Distribusi Logistik Bahan Pangan Pemerintah Dengan Menggunakan Website E-Filling PT Pos Regional V Surabaya Saefullah, Yusuf; Kirono, Indro; Ismanto, Hadi
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 2 (2024): Jurnal Ekonomi Manajemen Sistem Informasi (November - Desember 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i2.3608

Abstract

Distribusi logistik bahan pangan merupakan bagian penting dalam upaya memenuhi kebutuhan dasar masyarakat dan mendukung ketahanan pangan melalui program bantuan pemerintah. PT Pos Indonesia Regional V Surabaya menerapkan sistem E-filling berbasis web untuk mengoptimalkan pengawasan distribusi logistik pangan, mulai dari penerimaan hingga penyaluran barang kepada penerima akhir. Namun, pelaksanaan sistem ini tidak lepas dari tantangan, seperti. keterbatasan akses internet di daerah terpencil dan kurangnya keterampilan teknis para petugas lapangan dalam mengoperasikan sistem E-filling. Penelitian ini bertujuan untuk mengetahui proses pengawasan penyaluran distribusi logistik bahan pangan pemerintah dengan menggunakan website e-filling PT Pos Regional V Surabaya. Dalam penelitian ini mneggunakan teknik pengumpulan data kualitatif deskriptif. metode ini menggunakan teknik pengumpulan wawancara dan observasi. Untuk mengatasi hambatan tersebut, dua solusi utama diusulkan. Pertama, pengembangan fitur unggah data offline yang memungkinkan petugas tetap dapat memasukkan dan menyimpan data meski tanpa koneksi internet, dengan data tersebut otomatis terunggah ketika perangkat terhubung kembali. Kedua, pelatihan teknis yang terstruktur bagi petugas untuk meningkatkan kemampuan dalam menggunakan sistem secara optimal.
PENTINGNYA PERENCANAAN KEUANGAN BAGI GENERASI MUDA UNTUK MASA DEPAN YANG LEBIH BAIK Fitriani Fitriani; Delfian Zaman; Muhammad Azizi; Hadi Ismanto; Silviana Pebruary
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): Volume 6 No. 1 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i1.38317

Abstract

Perencanaan keuangan merupakan aspek penting dalam mencapai kesejahteraan finansial jangka panjang, terutama bagi generasi muda yang akan menghadapi tantangan ekonomi yang semakin kompleks. Generasi muda perlu memiliki pemahaman yang baik mengenai cara mengelola keuangan pribadi agar dapat mempersiapkan masa depan yang lebih baik. Artikel ini bertujuan untuk mengkaji pentingnya perencanaan keuangan bagi generasi muda dengan fokus pada pengelolaan pendapatan, pengeluaran, tabungan, dan investasi. Berdasarkan studi literatur terkini, generasi muda sering kali mengabaikan perencanaan keuangan karena kurangnya pengetahuan atau pemahaman yang mendalam mengenai manfaat jangka panjang dari pengelolaan keuangan yang baik. Oleh karena itu, penting untuk meningkatkan literasi keuangan melalui pendidikan dan penyuluhan, serta membangun kebiasaan menabung dan berinvestasi sejak dini. Artikel ini juga membahas berbagai strategi dan alat perencanaan keuangan yang dapat membantu generasi muda dalam mencapai tujuan finansial mereka. Dengan perencanaan keuangan yang baik, generasi muda diharapkan dapat menghindari masalah keuangan di masa depan dan meraih stabilitas finansial yang lebih baik.
THE MEDIATING ROLE OF INCOME LEVEL IN THE RELATIONSHIP BETWEEN FINANCIAL LITERACY, FINANCIAL GOALS, AND RETIREMENT PLANNING Hadi Ismanto; Mirawati Mirawati
Jurnal Bisnis dan Akuntansi Vol. 27 No. 2 (2025): Jurnal Bisnis dan Akuntansi
Publisher : Pusat Penelitian dan Pengabdian Masyarakat Sekolah Tinggi Ilmu Ekonomi Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34208/vs98pe47

Abstract

This study aims to gather concrete evidence on how financial literacy and financial goals influence retirement planning, with income level as a mediator. This research is driven by the public's need to manage their finances wisely and plan for retirement, especially as the economy becomes increasingly unstable and many people in Indonesia are not actively involved in retirement programs. Unlike previous research that typically focuses only on the direct relationship between variables, this study adds new insights by including income level as a mediator, demonstrating how financial literacy and financial goals can influence retirement planning, especially in developing countries. Data were collected using questionnaires administered to 106 working-age individuals in Indonesia. This study used the Structural Equation Modeling (SEM-PLS) method to test the direct and indirect relationships between the various variables. The findings indicate that having good financial knowledge and clear financial goals leads to better retirement planning, both directly and by influencing one's income. These results suggest that people who are more knowledgeable about money and have a clear financial plan are more likely to plan well for retirement, as greater financial knowledge and a clear direction can help them earn a higher income. This research adds to existing research on retirement planning by demonstrating how income level plays a key role in linking financial capability to long-term financial actions. This research suggests that governments and financial institutions should improve financial education programs to help people set and achieve financial goals, thereby strengthening financial skills and increasing readiness for retirement. 
Digital financial literacy, social capability, dan financial resilience di era digital Cindi Ferdiani; Anna Widiastuti; Hadi Ismanto
Journal of Business and Information Systems (e-ISSN: 2685-2543) Vol. 8 No. 1 (2026): Journal of Business and Information Systems
Publisher : Department of Accounting, Faculty of Business, Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jbis.v8i1.351

Abstract

This study aims to examine the effects of digital financial literacy and social capability on household financial resilience, with financial capability and fintech usage as mediators. A quantitative approach was employed using a survey of households in Indonesia. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that digital financial literacy has a significant effect on financial resilience through financial capability and fintech usage. Furthermore, financial capability serves as a key mediator in the relationships between both digital financial literacy and social capability with financial resilience. Meanwhile, fintech usage mediates the effect of digital financial literacy on financial resilience, but does not mediate the relationship between social capability and financial resilience. These findings suggest that the adoption of financial technology is driven more by individual literacy and cognitive capacity than by social factors. This study highlights the importance of strengthening digital financial literacy and financial capability as strategic pathways to enhance household financial resilience in the digital era
Co-Authors A. Aisyah, A. Achmad Wahyudi Adi, Tirto Akbar, Muhammad Akbar Febriansyah Akhmad Abdul Qofur Alfendo Andrian Nofian Amanatur Rohmah Rofi’ Indayanti Anna Widiastuti Anna Widiastuti Aries Kurniawan Aulia Rahmi, Vembri Bambang Budi Wiyono Bariroh, Hilmatul Bradford, Snyder Cindi Ferdiani Delfian Zaman Durrotul Mustagfiroh Eko Nur Fuad Endah Wahyuningsih, Sri Fadlilah, Risyda Dzul Faizah, Mubtadiatul Fatkul Anam Fiana, Elma Fiana Firmawan, Digo Fitria, Aini Salisul Fitriani Fitriani Fransiska, Welda Galih Dani Septiyan Rahayu Gaol, Eva Lumban Giang, Vu Le Gunarto Gunarto Hakim, Mohamad Zulman Herawati, Henny Hidhayah, Anysha Nur Indriya Safitri Indro Kirono Kholifah, Nanda Nur Widya Ummi Kurniawan, Roykhan Dwi Lestari, Khofifah Ayu Miftah Arifin Mirawati Mirawati Mohammad Yunies Edward Muhammad Ade Kurnia Harahap Muhammad Aufa Muhammad Azizi Muhammad Husni Tamrin Muhammad Syaifur Rohman Musyafa' Musyafa' Nahtadiya, Rihla Nanda Oktasavira Nanda Oktasavira Nikmah, Rika Izzatun Nisa Ihlasul Amaiyah Noor Arifin Nur Asitah Nurhayati Nurhayati Nurin Zulianti Nurrochim, Ilma Lutfi Nurul Murtadho Oktavia, Afriska Pramudia, Ahmad Irfan Prasetyo, Wahyu Adi Puja Aunun Fauziah Punaji Setyosari Putri, Fina Salmah Rahman, Ahmad Auliya Rahmatika, Ravita Rahmi, Vembri Aulia Respati, Putra Panji Risma Rahmawati Ristitriani, Nike Robbani, Abdurrosyid Rosyihuddin, Muhammad Sabira, Elmira Talita Sabira Saefullah, Yusuf Sari, Veronica Aliya Shalihul Aziz Widya Irawan Sholahudin, Ahmad Sholihah, Vina Mar'atus Siddiqa, Heidi Silalahi, Pristanto Silviana Pebruary Sitanggang, Evi Linda Siti Sarah, Siti Sri Hartanti Sri Wulandari Suaibatul Aslamiyah Sumarjan, Nashihin Syafitri, Adiarni Decintya Syah, Ahmad Maujuhan Tantri Pratiwi Tohir Diman, Tohir Ulfia Nabila Istiqomah Utami, Amelia Tri Vinda Yuni Prahastia Yanti, Siti Mahmudah Yumna, Abqoriyah Yuni Lestari Zainal Arifin