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All Journal Jurnal Kajian Manajemen Bisnis JAM Jurnal Riset Akuntansi Terpadu Management Analysis Journal EKONOMIS : Journal of Economics and Business Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Buletin Ilmiah Nagari Membangun Jurnal Inovasi Pendidikan Ekonomi Equity: Jurnal Ekonomi Jurnal Eksplorasi Akuntansi (JEA) Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Operations Management and Information System Studies Jurnal Nusantara Mengabdi Riset Akuntansi dan Keuangan Indonesia Jurnal Akuntansi dan Governance Andalas
Verni Juita
Fakultas Ekonomi, Universitas Andalas Padang, Sumatera Barat
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Journal : Management Analysis Journal

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Financial Well-being in Digital Environment: Evidence from Indonesia Rita Rahayu; Syahril Ali; Verni Juita; Lisa Fitriani Rahman
Management Analysis Journal Vol 12 No 4 (2023): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v12i4.75815

Abstract

Penelitian ini bertujuan untuk memberikan gambaran mengenai konsep kesejahteraan finansial dari sudut pandang masyarakat di Indonesia. Selain itu, penelitian ini juga mencoba melihat apakah faktor individu merupakan faktor penting yang menentukan kesejahteraan finansial masyarakat di Indonesia. Penelitian ini menggunakan metode campuran yang menggabungkan Focus Group Discussion (FGD) dan metode survei. Dalam penelitian ini FGD digunakan untuk mengumpulkan informasi mengenai persepsi masyarakat terhadap konsep kesejahteraan finansial, dan dalam FGD ini diikuti oleh 13 informan. Sedangkan metode survei digunakan untuk mengidentifikasi faktor-faktor yang mempengaruhi kesejahteraan finansial. Dalam hal ini, terdapat 291 responden yang berpartisipasi dalam survei online. Data yang diperoleh dari FGD diolah menggunakan NVIVO, sedangkan data yang diperoleh dari survei dianalisis menggunakan SPSS. Hasil penelitian ini menunjukkan bahwa usia, status perkawinan, status pekerjaan, pendidikan terakhir, dan jumlah pendapatan menentukan tingkat kesejahteraan di Indonesia. Hasil penelitian ini diharapkan dapat menjadi bahan pertimbangan berbagai pihak dalam mengambil kebijakan, khususnya kebijakan yang berkaitan dengan mendorong peningkatan kesejahteraan masyarakat.
Understanding Impulsive Buying Behaviour Among Buy Now Pay Later (BNPL) Users and its Implication for Overconsumption and The Environment Verni Juita; Vera Pujani; Rida Rahim; Rita Rahayu
Management Analysis Journal Vol 12 No 4 (2023): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v12i4.75816

Abstract

Over the last decade, the popularity of "buy now, pay later" (BNPL) in Indonesia has been increasing due to the various attractive offers available to consumers. However, the unwise use of BNPL may cause impulsive buying behavior, leading to excessive consumptions and waste productions that ultimately negatively affect the environment. Therefore, it is important to understand factors influencing the use of BNPL and impulsive buying behavior in order to help the BNPL users to use it more responsibly, ultimately control their consumption and reduce unnecessary wastes. This study explores the influence of BNPL users' digital financial literacy, self-control, and perceived risk on their impulsive buying behaviors. This study surveys BNPL users in Indonesia through various online channels. Using PLS Smart 3.0 on the survey data of 185 respondents of BNPL users, this study found that digital financial literacy and self-control influenced the impulsive buying behavior of BNPL users. However, the results also show that self-control has a greater influence than digital financial literacy on the impulsive buying behavior of BNPL users. In contrast, risk perception showed the opposite result. Hence, a policy strategy involving self-control and DFL in minimizing impulsive buying should be implemented to avoid overconsumption and waste crises.
Co-Authors Abd. Rasyid Syamsuri Abdul Karib Agustria, Deni Amsal Djunid Anggraeni, Dian Yuni Annisa Rahman Ardhani, Alya Azilah Arpinda, Nadhyre Asniati Asniati Besti Novianda Denny Yohana Deny Yohana Desriani, Rahmi Febiansyah, Naufal Dwi Fitriyeni Oktaviani Husna Roza Ida Ayu Putu Sri Widnyani Indah Maya Sari Kevry Ramdany Lisa Fitriani Rahman Ludipa, Olin Meisa Melia Yulianti Nasha, Nadya Putri Oktavia, Fitriyeni Rahayu, Rita Rahmat Febrianto Rahmat Kurniawan Ratnawati Rafles Rayna Kartika, Rayna Rida Rahim Rinaldi Munaf Silfia Riski Silmi Silmi Sri Dewi Edmawati Suci Fitriamiranti Syahril Ali Syahril Ali Tria Najla Prima Hermanto Vera Pujani Warnida Warnida Yupita, Lasmi Yurniwati Yurniwati