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All Journal Jurnal Terapan Abdimas CAPITAL: JURNAL EKONOMI DAN MANAJEMEN EKUITAS (Jurnal Ekonomi dan Keuangan) Yustisia Merdeka : Jurnal Ilmiah Hukum Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Ekomaks : Jurnal Ilmu Ekonomi, Manajemen, dan Akuntansi Jurnal Daya Mas : Media Komunikasi dan Informasi Hasil Pengabdian dan Pemberdayaan Masyarakat Mandiri: Jurnal Akuntansi dan Keuangan Journal of Knowledge Management Journal of Digital Business and Innovation Management
Tatik Mulyati
Universitas Merdeka Madiun
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Pengaruh Penggunaan Shopee Paylater, Literasi Keuangan Dan Kontrol Diri Terhadap Perilaku Keuangan Gen Z Latifa Widya Hanaswari; Tatik Mulyati; Choirum Rindah Istiqaroh
Mandiri : Jurnal Akuntansi dan Keuangan Vol. 5 No. 1 (2026): Februari - Mei 2026
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jak.v5i1.1621

Abstract

Pertumbuhan layanan paylater yang semakin pesat di kalangan Gen Z memberikan kemudahan dalam bertransaksi, namun berpotensi memengaruhi cara mereka mengelola keuangan. Hasil dari penelitian sebelumnya tentang penggunaan paylater, literasi keuangan dan kemampuan mengontrol diri terhadap perilaku keuangan masih menunjukkan berbagai hasil yang beragam. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh penggunaan shopee paylater, literasi keuangan dan kontrol diri terhadap perilaku keuangan Gen Z pada mahasiswa Universitas Merdeka Madiun baik secara parsial maupun simultan. Penelitian ini berkontribusi dalam memperkaya kajian perilaku keuangan Gen Z dengan menganalisis pengaruh penggunaan shopee paylater, literasi keuangan dan kontrol diri pada mahasiswa sebagai pengguna aktif layanan keuangan digital. Penelitian ini menggunakan pendekatan kuantitatif dengan sampel berjumlah 100 responden yang dipilih menggunakan teknik purposive sampling dan stratified random sampling. Data dikumpulkan melalui kuesioner online dan dianalisis menggunakan analisis statistik deskriptif, uji instumen berupa uji validitas dan uji reliabilitas, uji asumsi klasik yang meliputi uji normalitas, multikolinearitas dan heteroskedastisitas, serta analisis regresi linear berganda, uji koefisien determinasi, uji t dan uji f dengan bantuan aplikasi JASP (Jeffreys’s Amazing Statistic Program) versi 0.95.4.0. Hasil penelitian menunjukkan bahwa Penggunaan Shopee Paylater, Literasi Keuangan dan Kontrol Diri secara parsial maupun simultan berpengaruh terhadap Perilaku Keuangan Gen Z pada mahasiswa Universitas Merdeka Madiun. Penelitian ini menunjukkan bahwa kemampuan mengelola keuangan, pengendalian diri serta penggunaan layanan keuangan digital memiliki peranan penting dalam membentuk perilaku keuangan mahasiswa.   The rapid growth of paylater services among Gen Z provides convenience in transactions, but has the potential to affect how they manage their finances. Previous studies on paylater usage, financial literacy, and self-control on financial behavior have shown mixed results. This study aims to determine and analyze the influence of Shopee Paylater usage, financial literacy, and self-control on Gen Z financial behavior among students at Merdeka Madiun University, both partially and simultaneously. This study contributes to enriching the study of Gen Z financial behavior by analyzing the influence of Shopee Paylater usage, financial literacy, and self-control on students as active users of digital financial services. This study used a quantitative approach with a sample of 100 respondents selected using purposive sampling and stratified random sampling techniques. Data were collected through an online questionnaire and analyzed using descriptive statistical analysis, instrument tests in the form of validity and reliability tests, classical assumption tests including normality, multicollinearity and heteroscedasticity tests, as well as multiple linear regression analysis, coefficient of determination tests, t-tests and f-tests with the help of the JASP (Jeffreys's Amazing Statistic Program) application version 0.95.4.0. The results of the study indicate that the use of Shopee Paylater, Financial Literacy and Self-Control partially or simultaneously influence the Financial Behavior of Gen Z in students of Merdeka University Madiun. This study shows that the ability to manage finances, self-control and the use of digital financial services have an important role in shaping students' financial behavior.
SWOT-Based Business Model Canvas Analysis as a Tourism Industry Development Strategy for Situ Rawa Gede in Bekasi Rabhi Fathan Muhammad; Tatik Mulyati; Erik Setya Ramadhan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9231

Abstract

This study examines the development strategy of Situ Rawa Gede, a community-based urban nature tourism site in Bekasi City, Indonesia. Although it has strong potential as the city’s largest lake and a growing attraction since 2019, the site faces challenges such as limited digital promotion, the absence of a structured masterplan, and broad market segmentation. The research applies a qualitative approach, using interviews with community leaders, SMEs, visitors, and government officials, supported by documentation and observation. The analysis integrates the Business Model Canvas (BMC) with SWOT analysis. The results show that Situ Rawa Gede’s strengths include its natural setting, affordable prices, and the involvement of local SMEs and community groups, while weaknesses relate to limited branding, weak coordination, and reliance on daily visitors. Opportunities lie in government support, demand for eco-education tourism, and digitalization, whereas threats include competition from modern destinations and climate risks. The SWOT suggesting proactive measures such as service digitalization, product diversification, and cross-sector collaboration.
PELATIHAN PENGOLAHAN LIMBAH SABUT KELAPA SEBAGAI BEKAL WIRAUSAHA ALUMNI SISWA SMK PSM TAKERAN MAGETAN Tatik Mulyati; Mohammad Imron; Choirum R. Istiqaroh; Rabhi F. Muhammad
Jurnal Terapan Abdimas Vol. 11 No. 1 (2026)
Publisher : UNIVERSITAS PGRI MADIUN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/jta.v11i1.22787

Abstract

Abstract. The low interest in entrepreneurship is experienced by the majority of high school graduates and equivalent, including graduates of SMK PSM Takeran Magetan. Therefore, various efforts to foster entrepreneurial spirit and improve entrepreneurial skills for students and graduates need to be carried out. Improving entrepreneurial skills can be done by utilizing opportunities and potential in the surrounding environment, such as utilizing abundant coconut fiber waste in the Takeran Magetan area. Therefore, this community service activity was carried out with the aim of providing skills training to alumni of SMK PSM Takeran students who did not continue to higher education so that they are able to process coconut fiber waste into creative and marketable products such as kokedama pots, doormats, and organic planting media. The scope of activities includes entrepreneurship education, coconut fiber processing practices, and simple product marketing. The implementation method includes initial observation, counseling and training implementation. This activity was carried out for two days at the Takeran Islamic boarding school where the students live, involving resource persons from local business actors. The results of the training showed that of the 30 participants, 22 were able to independently produce at least two types of coconut fiber products, including doormats, pots, and organic planting media. Furthermore, the participants' entrepreneurial spirit increased from 20% at the beginning of the training to 70% at the end. The activity contributes to strengthening the motivation and entrepreneurial skills of youth entrepreneurship in rural areas, particularly among alumni of SMK PSM Takeran-Magetan.   Abstrak. Rendahnya minat berwirausaha dialami oleh sebagian besar lulusan siswa SMA sederajat, termasuk lulusan SMK PSM Takeran Magetan. Oleh karena itu, berbagai upaya membangkitkan semangat wirausaha dan meningkatkan skill berwirausaha bagi para siswa dan lulusan perlu dilakukan. Peningkatan skill wirausaha bisa dilakukan dengan memanfaatkan peluang dan potensi yang ada di lingkungan sekitar, seperti pemanfaatan limbah sabut kelapa yang melimpah di wilayah Takeran Magetan. Oleh karena itu, kegiatan pengabdian kepada masyarakat ini dilakukan dengan tujuan memberikan pelatihan keterampilan kepada alumni siswa SMK PSM Takeran yang tidak melanjutkan ke pendidikan tinggi agar mampu mengolah limbah sabut kelapa menjadi produk kreatif dan bernilai jual berupa pot kokedama, keset, hingga media tanam organik. Lingkup kegiatan mencakup edukasi kewirausahaan, praktik pengolahan sabut kelapa, dan pemasaran produk secara sederhana. Metode pelaksanaan meliputi observasi awal, penyuluhan dan pelaksanaan pelatihan. Kegiatan ini dilaksanakan selama dua hari di pondok pesantren Takeran tempat siswa bermukim dengan melibatkan narasumber dari pelaku usaha lokal. Hasil kegiatan menunjukkan bahwa dari 30 orang yang mengikuti pelatihan, 22 orang mampu menyelesaikan minimal dua jenis produk dari sabut kelapa secara mandiri, yang meliputi produk keset, pot dan media tanam organik. Selain itu, semangat berwirausaha peserta meningkat dari 20% di awal kegiatan menjadi 70% di akhir kegiatan. Dengan demikian kegiatan ini telah berkontribusi memperkuat motivasi dan keterampilan kewirausahaan pemuda di daerah pedesaan, khususnya bagi para alumni SMK PSM Takeran-Magetan.    
Co-Authors Ahadiati Rohmatiah Arnedia Binada Duanti Putri Choirum R. Istiqaroh Choirum Rindah istiqaroh Dhiyan Septa Wihara Dwi Rahmayanti Erik Setya Ramadhan Faturrohman Dwi Alimin Latifa Widya Hanaswari Martin Lukito Mohammad Imron Monica Jun Muhammad Imron Rabhi F. Muhammad Rabhi Fathan Muhammad Saraswati Budi Utami Setia Maharani