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All Journal JURNAL SISTEM INFORMASI BISNIS Pixel : Jurnal Ilmiah Komputer Grafis Among Makarti Jurnal Dimensi Jurnal Akuntansi dan Pajak Ekspektra: Jurnal Bisnis & Manajemen Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Inovasi Bisnis (Inovbiz) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Budimas : Jurnal Pengabdian Masyarakat Jurnal Abdidas Journal of Management - Small and Medium Enterprises (SME's) Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi ADMA: Jurnal Pengabdian dan Pemberdayaan Masyarakat MANAJEMEN Journal Of Human And Education (JAHE) JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Journal of Management and Digital Business BULETIN BISNIS & MANAJEMEN (BBM) Dinamika Jurnal HUMMANSI (Humaniora, Manajemen, Akuntansi) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Entrepreneurship and Sustainability Studies Community: Jurnal Pengabdian Pada Masyarakat Goodwood Akuntansi dan Auditing Reviu International Journal of Economics, Business and Innovation Research JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Ilmiah Manajemen Dan Kewirausahaan Jurnal Pengabdian Kepada Masyarakat Indonesia
Dewi Widyaningsih
Universitas Sains Dan Teknologi Komputer (STEKOM)
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Public Health Social Sciences Other

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CONSUMPTIVE CULTURE AMONG STUDENTS: CONTRIBUTIONS OF SOCIAL MEDIA MARKETING, SOCIAL PRESSURE, FINANCIAL MANAGEMENT, AND SHOPEE GAMIFICATION Bahar, Anisyah; Widyaningsih, Dewi; Kusumajaya, Robby Andika
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 1 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i1.27361

Abstract

This study examines the role of social media marketing, social pressure, financial management, and gamification in influencing the consumptive culture of students at STEKOM University in Semarang. The study focuses on active students who have a Shopee account and have made a transaction within the last three months. Using purposive sampling, 60 respondents were selected as the research sample. This research adopts a quantitative approach with an explanatory research design, and the data were analyzed using multiple linear regression with the assistance of SmartPLS 4.0. The results indicate that social media marketing, social pressure, financial management, and gamification have a positive and significant influence on students’ consumptive culture, both individually and simultaneously. These findings suggest that digital marketing exposure, social influence, and interactive platform features can encourage higher levels of consumption among students. However, this study is limited to active students of STEKOM University in Semarang with a relatively small sample size, which may limit the generalizability of the findings to other student populations. The study highlights the importance of strengthening financial literacy and increasing consumer awareness as key strategies to control excessive consumption behavior amid the growing influence of digital marketing and social pressure. The findings also provide insights for stakeholders to develop ethical and responsible marketing practices as well as appropriate regulatory strategies to reduce excessive consumptive behavior among students. Keywords: Social Media Marketing; Financial Management; Gamification; Consumptive Culture
Determinant of Purchase Willingness of Teh Kota (Gen Z Consumer Survey in Semarang Regency) Nadia Putri Wulandari; Dewi Widyaningsih; Myra Andriana
International Journal of Economics, Business and Innovation Research Vol. 5 No. 02 (2026): February - March, International Journal of Economics, Business and Innovation
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i02.3029

Abstract

Research Objectives: This study looks at how customer experience, motives, reference groups, social class, and payment methods on the purchase willingness of The Kota in Semarang Regency. Research Method: This research uses a quantitative method and follows an explanatory research structure. The research population comprises all Generation Z consumers of The Kota in Semarang Regency. A total of 100 respondents were selected and validated using purposive sampling techniques. Data were collected through an online survey using questionnaires distributed via Google Forms. Using SPSS version 26, a multiple linear regression analysis was carried out. Results: The outcomes indicate that partially customer experience, reference groups, and social class have a positive and significant effect, whereas motives and digital payment do not significantly influence purchase willingness. Simultaneously, customer experience, motives, reference groups, social class, and payment methods have a positive and significant effect on purchase willingness. Implications: It is hoped that the findings will provide information for business actors in establishing more precise and effective marketing strategies for business sustainability. They can also support future researchers in expanding the context, sample size, and input of other variables.
MINAT PENGGUNAAN SHOPEE PAYLATER: DARI SUDUT PANDANG PEMASARAN DAN KEUANGAN PRIBADI PADA GEN Z DI KABUPATEN SEMARANG Seran, Yosefa Maria; Widyaningsih, Dewi; Kusumajaya, Robby Andika
Equilibrium : Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Vol 15, No 1 (2026): April
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/equili.v15i1.2799

Abstract

ABSTRAKFenomena tingginya transaksi e-commerce saat ini, untuk kemudahan dan keyamanan layanan keuangan digital marketplace berinovasi melalui paylater. Kecenderungan membeli karena keinginan (bukan kebutuhan), yang diperkuat oleh kemudahan Shopee PayLater mendorong perilaku konsumtif karena memungkinkan konsumen berbelanja tanpa pembayaran langsung. Beberapa faktor di duga mempengaruhi pengguna paylater, yang ditujukkan melalui research gap dan survei awal. Penelitian bertujuan menganalisis peran perilaku konsumtif, trust; mobile self-efficacy; spending habits terhdap minat pengguna Shopee Paylater generasi Z di Kabupaten Semarang. Metode penelitian kuantitatif, jenis eksplanatory research. Populasi adalah pengguna Shopee Paylater Generasi Z di Kabupaten Semarang. Sampel menggunakan metode purposive sampling kriteria telah melakukan transaksi setidaknya 1 kali dalam 1 tahun terakhir diperoleh sebanyak 60 sampel terpilih valid. Untuk menguji hipotesis, metode analisis data regresi linear berganda menggunakan SPSS IBM 25. Hasil temuan menunjukan bahwa secara parsial variabel perilaku konsumtif, mobile self-efficacy dan spending habits menghasilkan peningkatan yang signifikan dalam minat untuk membeli menggunakan shopee paylater. Sedangkan, trust berdampak negatif, Hasil uji secara simultan semua variabel bebas secara positif signifikan berpengaruh pada minat menggunakan shopee paylater. Hasil penelitian diharapkan memberikan informasi bagi penyedia layanan PayLater dalam meningkatkan edukasi keuangan, transparansi risiko, serta penguatan fitur teknologi yang mendukung kepercayaan dan kemudahan penggunaan bagi konsumen muda.ABSTRACTThe current high e-commerce transaction phenomenon, for the sake of convenience and ease of the digital financial services market, innovates through paylater. The tendency to buy out of desire (not need), which is reinforced by the convenience of Shopee PayLater, encourages consumptive behavior because it allows consumers to shop without direct payment. Several factors influence paylater users, as shown through research gaps and initial surveys. This study aims to analyze the role of consumptive behavior, trust; mobile self-efficacy; shopping habits on the interest of Shopee Paylater generation Z users in Semarang Regency. The research method is quantitative, exploratory research type. The population is Shopee Paylater generation Z users in Semarang Regency. The sample used a purposive sampling method with the criteria of having made a transaction at least once in the past year, obtained 60 valid selected samples. To test the hypothesis, a multiple linear regression data analysis method was used with the IBM SPSS 25 analysis program. The findings show that some variables of consumptive behavior, self-efficacy of mobile device use, and shopping habits result in a significant increase in interest in shopping using Shopee Paylater. Meanwhile, trust has a negative impact. Simultaneous testing of all independent variables showed a significant positive effect on interest in using Shopee PayLater. The findings of this study are expected to inform PayLater service providers about improving financial education, risk transparency, and enhancing technological features that support trust and ease of use for young consumers.
Peran Faktor Internal, Eksternal Dan Teknologi Dalam Meningkatkan Kesadaran Pajak UMKM Di Kabupaten Semarang Krisnanda Puji Setiani; Dewi Widyaningsih
Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Vol 9, No 1 (2026): Maret 2026
Publisher : Jurnal Akuntansi dan Keuangan Kontemporer (JAKK)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/jakk.v9i1.27177

Abstract

Tujuan Penelitian: Penelitian ini bertujuan untuk menganalisis pengaruh faktor internal, eksternal, dan teknologi terhadap kesadaran pajak pelaku Usaha Mikro, Kecil, dan Menengah (UMKM), serta mengisi kesenjangan penelitian terkait integrasi ketiga faktor tersebut dalam menjelaskan perilaku kesadaran pajak UMKM.Metode Penelitian: Penelitian menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui kuesioner. Sampel penelitian sebanyak 60 pelaku UMKM yang terdaftar pada Dinas Koperasi dan UMKM Kabupaten Semarang, yang dipilih menggunakan teknik purposive sampling. Variabel penelitian meliputi literasi pajak dan literasi keuangan (faktor internal), sosialisasi perpajakan dan kualitas pelayanan fiskus (faktor eksternal), serta digitalisasi pajak (faktor teknologi). Data dianalisis menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS versi 25.Originalitas/Novelty: Kebaruan penelitian ini terletak pada pengembangan model analisis yang mengintegrasikan faktor internal, eksternal, dan teknologi secara simultan dalam menjelaskan kesadaran pajak UMKM pada konteks daerah.Hasil Penelitian: Hasil penelitian menunjukkan bahwa literasi pajak, literasi keuangan, dan kualitas pelayanan fiskus berpengaruh positif dan signifikan terhadap kesadaran pajak UMKM. Sementara itu, sosialisasi perpajakan dan digitalisasi pajak tidak berpengaruh signifikan secara parsial. Namun secara simultan seluruh variabel berpengaruh signifikan terhadap kesadaran pajak.Implikasi: Temuan ini menegaskan pentingnya peningkatan literasi dan kualitas pelayanan fiskus dalam mendorong kesadaran pajak UMKM serta memberikan kontribusi empiris bagi pengembangan literatur perpajakan UMKM. Research Objectives: This study aims to analyze the influence of internal, external, and technological factors on tax awareness among Micro, Small, and Medium Enterprises (MSMEs), while addressing the research gap related to the integration of these three factors in explaining MSME tax compliance behavior.Research Method: This study employs a quantitative approach using primary data collected through questionnaires. The sample consists of 60 MSME actors registered at the Department of Cooperatives and MSMEs of Semarang Regency, selected using purposive sampling. The research variables include tax literacy and financial literacy (internal factors), tax socialization and the quality of tax officer services (external factors), and tax digitalization (technological factor). The data were analyzed using multiple linear regression with SPSS version 25.Originality/Novelty: The novelty of this study lies in the development of a comprehensive analytical model that simultaneously integrates internal, external, and technological factors in explaining MSME tax awareness within a regional context.Research Results: The results show that tax literacy, financial literacy, and the quality of tax officer services have a positive and significant effect on MSME tax awareness. Meanwhile, tax socialization and tax digitalization do not have a significant partial effect. However, all variables simultaneously have a significant effect on tax awareness.Implications: These findings highlight the importance of improving literacy and the quality of tax services to enhance MSME tax awareness and provide empirical contributions to the MSME taxation literature.
MODEL ONLINE CUSTOMERS RATING, CUSTOMERCE EXPERIENCE DAN PRICE CONSCIOUSNESS TERHADAP REPEAT PURCHASE PENGGUNA LAYANAN GRABFOOD DI KABUPATEN SEMARANG Tiara Awanda Putri; Dewi Widyaningsih; Maya Utami Dewi
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 2 (2026): ON GOING
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i2.7431

Abstract

Studi ini bertujuan untuk mengidentifikasi pengaruh model online customers rating, customerce experience, dan price consciousness berdampak terhadap repeat purchase pengguna jasa layanan GrabFood di Kabupaten Semarang. Populasi dalam penelitian ini ditujukan kepada responden berusia 17–30 tahun yang aktif menggunakan GrabFood di Kabupaten Semarang. Melalui sampel dengan metode purposive sampling terpilih sebanyak 100 sampel valid. Pengkajian ini memakai pendekatan kuantitatif, bentuk explanatory research. Data didapat dengan teknik survei, kuesioner disebar melalui google form. Teknik analisis penelitian dengan Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) diolah dengan program SmartPLS 4.0. Temuan pengkajian menjabarkan jika dua variabel secara parsial yaitu customerce experience dan price consciousness memiliki pengaruh positif signifikan pada repeat purchase. Sedangkan, online customer rating berpengaruh positif tapi tidak signifikan, berpengaruh signifikan pada repeat purchase.
Co-Authors Adriana, Myra Ady, Pangeran Pandu Bayu Afiza Regita Cahyani Agus Priyadi Agustinus Budi Santoso Ahmad Ashifuddin Aqham Ahmad Zaenuri Ahmad Zainudin Ahmad Zainudin Andik Prakasa Hadi Andriana, Myra Arie Atwa Magriyanti Arta Armilda, Siska Asri Winanti Madyoningrum Badruzzaman, Muhammad Bahar, Anisyah Dani Sasmoko Dewi Widyaningsih Dwi Astutik Dwi Setiawan Edwin Zusrony Edy Jogatama Purhita Ferina, Lia Galih, Taufik Hardi Utomo Hargyatni, Titin Haryo Kusumo Hendriyani, Ida Heni Susilowati Heni Susilowati Heni Susilowati Indra Ava Dianta Ivan Permana Krisnanda Puji Setiani Kustami, Endang Kusumajaya, Robby Andika Kusumaningsih, Dhevi Dadi Kusumaningtyas, Dhevi Dadi Luthfy Purnanta Anzie Maulana, Putri Anindya Maya Utami Dewi Mutiara Selvy Myra Andriana Myra Andrianan Nabilla Zahra Alidya Nadia Putri Wulandari Pangestu, Bagas Aryadi Pemilia Sulistyowati Permataningsih, Farrah Febryanti Pindo Asti Puteri Anindya Maulan Rafifah, Agustia Salma Ratnaningrum Ratnaningrum, Ratnaningrum Reni Veliyanti Savitri, Sherly Dwi Ditzi Selvy, Mutiara Seran, Yosefa Maria Shabrina Rahmawati Siswanto, Edy Siti Kholifah Sulistyowati, Pemilia Tantik Sumarlin . Tiara Awanda Putri Titin Hargyatni Titin Hargyatni Tri Purwadi Yedija Peter Aridia Yuli Fitrianto Zahra Dinul Khaq