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All Journal Jurnal Reviu Akuntansi dan Keuangan SINTEK JURNAL: Jurnal Ilmiah Teknik Mesin Jurnal Manajemen & Keuangan Akuntabel : Jurnal Ekonomi dan Keuangan Balance Vocation Accounting Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Dynamic Management Journal International Journal of Management Science and Information Technology (IJMSIT) Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Jurnal Comparative : Ekonomi Dan Bisnis Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Pengabdian Masyarakat Nian Tana Digital Business Journal (DIGIBIS) Management Studies and Business Journal International Journal of Economics, Business and Innovation Research IECON: International Economics and Business Conference Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Mikrad mikrad
Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Tangerang
Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Materials Science & Nanotechnology Mechanical Engineering Social Sciences Other

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Journal : Digital Business Journal (DIGIBIS)

 1 
PERKEMBANGAN UMKM DENGAN FINANCIAL TECHNOLOGY DAN DIGITAL MARKETING SEBAGAI VARIABEL PREDIKTOR Mikrad Mikrad; Agung Budi; Amalia Indah Fitriana
Digital Business Journal Vol 1, No 1 (2022): Digital Business Journal
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/digibis.v1i1.6599

Abstract

AbstractThis study aims to analyze the influence of financial technology and digital marketing on the development of SMEs both partially and simultaneously in Cipondoh District. This research uses associative method with quantitative approach. The sample of this research is 83 respondents of SME actors from a population of 429 SMEs in Cipondoh District. Data collection techniques and tools are questionnaires and questionnaires. Descriptive data analysis technique was used to describe the responses of respondents and the distribution of data, while inferential statistical analysis was used to test the hypothesis. Data processing is assisted by Microsoft excel and SPSS software version 24. Based on the correlation test of Financial Technology (X1) and Digital Marketing (X2) with MSME Development (Y) of 69.4%, the remaining 30.6% is influenced by other variables (X) which is not studied (epsilon) but affects the development of SMEs (Y). The simultaneous influence of Financial Technology and Digital Marketing on the development of SMEs in Cipondoh District. Partially, Financial Technology and Digital Marketing each have a positive and significant impact on the development of SMEs in Cipondoh District.Keywords: Financial Technology, Digital Marketing, SME Development
Integration of Financial Literacy and Psychology: An Analysis of the Influence of Locus of Control on the Effectiveness of Generation Z Financial Management in Tangerang City Fitriana, Amalia Indah; Mikrad, Mikrad; Yoga, Randi Febri
Digital Business Journal Vol 4, No 1 (2025)
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/digibis.v4i1.14516

Abstract

Generation Z in Tangerang City faces challenges in managing personal finances, influenced by low financial literacy, limited access to formal finance, and lack of self-control over financial decisions. This study analyzes the influence of financial literacy, financial inclusion, and locus of control on the financial management of Generation Z, filling the research gap in the Indonesian urban context. The explanatory quantitative method was used with survey data from 220 Generation Z respondents in Tangerang who were purposively selected. The results showed that the three variables had a positive and significant effect, with financial literacy as the most dominant factor, followed by locus of control and financial inclusion. These findings reinforce the importance of improving financial literacy and access to inclusive finance to drive better financial management. The novelty of the research lies in an integrative approach between cognitive aspects (literacy), access (inclusion), and psychological (locus of control) in the context of urban generation Z. Practically, this study recommends strengthening digital-based financial education programs and collaboration between stakeholders to increase financial literacy and inclusion of the younger generation. Theoretical contributions include the development of financial behavioural models that blend external and internal factors, while policy contributions emphasise the need for structured interventions to support the financial stability of Generation Z
Co-Authors Abdul Syukur agung budi Agung Budi Agung Budi Alfiani Nugrani Ayuningtias, Indri BASUKI Basuki Basuki Basuki BASUKI BASUKI Dara Sarra, Hustna Dede Sunaryo Dewi Rachmania Dewi Rachmania Dewi Rachmania Eky Pambudi, Januar Eri Diniardi Febrianto, Hendra Galuh Fitriana, Amalia Indah Hamdani Hamdani . Hamdani Hamdani Hesty Erviani Zulaecha Indra Gunawan Siregar Islamic, Fajar Akbar Lena Erdawati Luthfita, Fathiya Melsha Alfisa Wijaya Mohamad Zulman Hakim Mohamad Zulman Hakim Mohamad Zulman Hakim Neneng Nurlaila Neneng Nurlaila Nur Fizriati Ananda Pambudi, Januar Eky Priyo Susilo Priyo Susilo Putri Okta Andani Putri Okta Andani Reni Anggraeni Rosa, Selvia Sarra, Hustna Sarra, Hustna Dara Siregar, Indra Gunawan Siti Chanifah Siti Chanifah Siti Chanifah Siti Nurhaliza Siti Rohayati Sri Yanto Sunanto Sunanto Syawaluddin Syawaluddin Tri Endi Ulfa, Anita ULUL AZMI Yaman Soleh, Ahmad Ma’ruf Yoga, Randi Febri