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All Journal Binus Business Review Asia-Pacific Management and Business Application International Research Journal of Business Studies (E-Journal) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SEIKO : Journal of Management & Business YUME : Journal of Management Journal of Humanities and Social Studies Jurnal Ekuilnomi Sinar Sang Surya: Jurnal Pusat Pengabdian kepada Masyarakat JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Jurnal Perspektif Pembiayaan dan Pembangunan Daerah eProceedings of Management JURNAL PENGABDIAN MASYARAKAT AKADEMISI Jurnal Akademik Pengabdian Masyarakat Paradigma Mandiri : Jurnal Pengabdian Kepada Masyarakat International Research Journal of Business Studies Society Proceeding of Community Service and Engagement
Sita Deliyana Firmialy
Universitas Telkom
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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Analisis Pengaruh Price Perception Terhadap Impulse Buying Dengan Perceived Risk Sebagai Moderator pada Generasi Z (Studi Kasus Pada Shopee Live Streaming) Di Jawa Barat Selma Willany Telaumbanua; Sita Deliyana Firmialy
Jurnal Ekuilnomi Vol. 6 No. 2 (2024): Ekuilnomi Vol 6(2) Mei 2024
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/nc4kwp18

Abstract

Dalam era digital yang terus berkembang, fenomena live streaming di platform e-commerce seperti Shopee Live Streaming menjadi sorotan utama dalam dinamika perilaku konsumen. Inovasi ini telah mengubah paradigma konsumen dalam berinteraksi dengan produk dan merek secara online serta memberikan pengalaman belanja yang lebih personal dan efisien. Oleh karena itu, penelitian ini secara khusus bertujuan untuk memusatkan perhatian pada peran price perception sebagai faktor yang berpotensi mempengaruhi keputusan impulse buying, dengan mempertimbangkan juga peran perceived risk sebagai moderator dalam konteks pengguna Shopee Live Streaming di wilayah Jawa Barat. Penelitian ini menggunakan metode kuantitatif dengan mengumpulkan sampel sebanyak 100 responden melalui kuesioner online, yang kemudian dianalisis menggunakan Structural Equation Model (SEM) dan SmartPLS versi 3.2.9. Hasilnya menunjukkan bahwa price perception memiliki pengaruh signifikan terhadap impulse buying dan perceived risk, serta perceived risk juga memediasi hubungan antara price perception dan impulse buying. Penelitian ini tidak hanya memberikan wawasan tentang perilaku konsumen dalam konteks live streaming, tetapi juga memberikan kontribusi praktis bagi industri e-commerce
PENGEMBANGAN DAN SOSIALISASI PENGGUNAAN APLIKASI BERBASIS ZERO BASED BUDGETING UNTUK INDUSTRI SEKTOR PARIWISATA DAN HOSPITALITY Sita Deliyana Firmialy; Cahyaningsih Cahyaningsih; Ismaya Adriyanti
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 3 No. 5 (2025): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v3i5.6399

Abstract

The tourism and hospitality industry is a strategic sector that contributes significantly to regional economic growth. However, Micro, Small, and Medium Enterprises (MSMEs) in this sector still face substantial challenges in financial management, ranging from limited financial literacy and inefficient budget utilization to the lack of digital technology adoption. These issues result in low operational efficiency and weak business competitiveness. To address these challenges, this community service research developed an Android-based application by adopting the Zero-Based Budgeting (ZBB) and Zero Based Modeling (ZBM) approaches. Android was chosen as the initial development platform, as it is the most widely used and accessible system among MSMEs in Indonesia. The main features of the application include zero-based budgeting, daily transaction recording, automated financial reporting, budget utilization notifications, and educational modules on ZBB/ZBM concepts. The development process was carried out through a participatory approach in collaboration with MSME partners in Bandung Regency (West Java) and Luwu Regency (South Sulawesi). The research methodology combined the ZBB application development framework for the tourism sector, the systematic waterfall model, and the analysis–design–implementation principles in digital application development. Preliminary testing results indicate that the Android application successfully improves financial understanding, facilitates budget planning, and enables MSMEs to monitor cash flow in real time. Thus, the application functions not only as a financial recording tool but also as a digital learning medium that strengthens the sustainability and competitiveness of hospitality MSMEs in the era of digital transformation.
Pengaruh Brand Awareness Terhadap Proses Keputusan Pembelian Produk Palugada Streetwear Pada Pengguna Instagram Di Kota Bandung (Studi Untuk Generasi Z) Darnaufal, Mochamad; Firmialy, Sita Deliyana
eProceedings of Management Vol. 11 No. 1 (2024): Februari 2024
Publisher : eProceedings of Management

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Keputusan pembelian yang dilakukan oleh pelanggan pada suatu produk perusahaan akan meningkat seiring dengan kesadaran pelanggan akan suatu merek. Adapun penelitian ini dilakukan untuk menganalisis pengaruh dari kesadaran merek terhadap suatu keputusan pembelian produk Palugada Streetwear pada pengguna Instagram di Kota Bandung yang dilakukan kepada Generasi Z. Tujuan dilakukannya penelitian untuk mengetahui bagaimana kesadaran merek berpengaruh pada keputusan pembelian Generasi Z yang menggunakan Instagram pada produk Palugada Streetwear di Kota Bandung. Studi ini menerapkan teknik kuantitatif & jenis penelitian deskriptif dan kausal. Sampel yang dipergunakan yakni sebanyak 120 responden. Teknik analisis data menerapkan analisis deskriptif dengan analisiss regresi linear sederhana. Penelitian ini memiliki hasil analisis deskriptif kesadaran merek dan keputusan pembelian masuk dalam kategori sangat tinggi. Hasil regresi linear sederhana mengemukakan hasil bahwa terdapat pengaruh positif dan signifikan dari kesadaran merek terhadap keputusan pembelian produk Palugada Streetwear pada Generasi Z pengguna Instagram di Kota Bandung. Kata kunci-pemasran, produk busana, kesadaran merek, keputusan pembelian.
How does the Theory of Planned Behavior Mediate The Relationship Between Financial Literacy And Impulse Buying on Live Selling Platforms? Amalia, Putri; Firmialy, Sita Deliyana
APMBA (Asia Pacific Management and Business Application) Vol. 12 No. 3 (2024)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2024.012.03.2

Abstract

Live-streaming platforms allow for direct communication between merchants and consumers, serving as a promotional platform. Using the Theory of Planned Behavior as a mediating variable, this study seeks to determine how financial literacy affects impulse buying among Indonesian consumers from the Millennial Generation and Generation Z. This study employed a quantitative research methodology and administered questionnaires to 100 individuals. The questionnaire responses were analyzed using the SEM-PLS analysis method with the Smart PLS 4.0 software. The findings of this study indicate that financial literacy has a notable and meaningful impact on Attitude and perceived behavioral control. Additionally, Attitude positively and significantly influences impulse buying behavior, while subjective norms shape this behavior. Moreover, perceived behavioral control positively and significantly influences impulse buying behavior. Furthermore, financial literacy indirectly affects impulse buying behavior through Attitude and perceived behavioral control as mediating variables.
Factors Determining Behavioral Intentions to Use Islamic Fintech: Millennials Generation Azhar, Eva Nuurul; Firmialy, Sita Deliyana
APMBA (Asia Pacific Management and Business Application) Vol. 12 No. 3 (2024)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2024.012.03.3

Abstract

Technological advances are consistently rising, with Indonesia witnessing a yearly increase in internet penetration rates. Technological advancements foster innovation in diverse industries, such as finance and banking. Financial technology is an innovative application of current technology in the financial sector, demonstrating the increasing efficiency of the financial system and services. Sharia financial technology exhibits slower growth in comparison to traditional Fintech. Nevertheless, sharia-compliant financial technology presents significant prospects. This study aims to identify the elements that influence the behavioral intentions of the millennial age in using Sharia financial technology. This study employs a quantitative research approach and utilized a questionnaire as the primary instrument for data collection. The acquired data was analyzed using the Structural Equation Model (SEM) and Smart-PLS. This study had a total of 106 participants. The research findings indicate that the acceptance model and technology utilization substantially influence the promotion of behavioral intentions to adopt Sharia Fintech. The distinguishing feature of this study is its emphasis on millennials and the factors that influence their preference to utilize Islamic financial technology.
Assessing the Effect of Financial Literacy on Consumptive Behavior (Comparative Study Based on Gender) Pamungkas, Mochamad Zidan; Firmialy, Sita Deliyana
APMBA (Asia Pacific Management and Business Application) Vol. 11 No. 3 (2023)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2023.011.03.9

Abstract

Financial literacy is the ability to comprehend one's financial management for actions such as transactions, use of financial services, etc., whereas consumptive behavior refers to one's activities in satisfying their needs and desires. This study aims to examine the relationship between digital-wallet users' financial literacy and their consumption patterns in online gaming transactions. This study also compares male gamers and female gamers (in total 126 respondents) levels of financial literacy and consumptive behavior.This study employs two quantitative method to answered the research questions, namely SEM-PLS method to answered the 1st-research questions, followed by the simple linear regression to answered the 2nd research questions. Based on the results of the bootstrapping analysis, financial literacy as an independent variable (X) can influence consumptive behavior, the dependent variable (Y). Furthermore, the study’s results indicate there are gender-specific differences in the level of financial literacy and consumptive behavior, whereas female gamers are more aware to their consumption level, rather than men gamers who are more prone to spending more excessively, in terms of buying.
PELATIHAN PENDAMPINGAN PENINGKATAN PEMANFAATAN DIGITAL LITERASI KEUANGAN SYARIAH DALAM MENINGKATKAN POTENSI KEBERLANJUTAN UMKM SEKTOR PARIWISATA UNTUK PERTUMBUHAN HALAL TOURISM sita deliyana firmialy; wiwin aminah; imanuddin hasbi; ismaya adriyanti
The Proceeding of Community Service and Engagement (COSECANT) Seminar Vol. 4 No. 2 (2024): The Proceeding of Community Service and Engagement (COSECANT) Seminar
Publisher : Telkom University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/cosecant.v4i2.8595

Abstract

Indonesia memiliki potensi yang signifikan dalam mengembangkan gaya hidup halal, termasuk pariwisata halal, berkat populasi Muslim yang besar. Pariwisata halal di negara ini, yang melibatkan aspek-aspek Islami seperti layanan, fasilitas ibadah, dan akomodasi, dapat memberikan kontribusi besar terhadap pertumbuhan ekonomi. Dalam dua tahun terakhir, sektor pariwisata halal, khususnya di Jawa Barat dan Sulawesi Selatan, telah berkembang pesat dan berdampak positif pada PDB daerah.Dalam rangka meningkatkan kecepatan pertumbuhan sektor pariwisata ini, penting untuk fokus pada penguatan konsep literasi dan digitalisasi, dimana dalam konteks penguatan aspek keuangan pariwisata halal, terutama berfokus pada peningkatan aspek digital literasi keuangan dan keuangan syariah untuk UMKM yang berbasis pariwisata. Namun, masih ada tantangan terkait pemahaman literasi digital dan literasi keuangan syariah di kalangan UMKM sektor pariwisata. Oleh karena itu, pelatihan dan pendampingan mengenai literasi keuangan digital dan keuangan syariah sangat diperlukan untuk meningkatkan kinerja dan pertumbuhan UMKM untuk meningkatkan potensi keberlanjutan dari pariwisata halal.Kegiatan pengabdian masyarakat ini dibentuk untuk menjawab kebutuhan tersebut, dimana diharapkan melalui kegiatan ini dapat memperluas pengetahuan pelaku bisnis UMKM mengenai keuangan Syariah serta mampu memanfaatkan peluang ini secara efektif dan efisien, dimana diharapkan melalui program ini pelaku bisnis UMKM mempunyai pengetahuan untuk mengetahui kekuatan bisnis mereka dan dapat mengembangkan potensi tersebut dengan teknologi yang berkembang dewasa ini, serta pada akhirnya mampu dijadikan pertimbangan dalam keputusan dan membuat bisnis berjalan lebih sehat dan berkembang dalam jangka panjang.
Pelatihan Penganggaran Modal Kerja Berbasis Digital Untuk Komunitas UMKM dan Start-Up Sita Deliyana Firmialy; Sherly Artadhita; Yogi Suprayogi; Dematria Pringgabayu; Putra Tri Akram
JURNAL PENGABDIAN MASYARAKAT AKADEMISI Vol. 2 No. 1 (2024): Januari : JURNAL PENGABDIAN MASYARAKAT AKADEMISI
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jpma.v2i1.586

Abstract

Through web-based business applications, it helps start-up companies to reach their target markets more quickly and in a more organized manner, with a more efficient level of economic costs compared to using conventional consumer marketing methods which require higher levels of economic costs. However, more than 40% of SMEs and startup companies in Indonesia, both digital and non-digital based, experience financial failure and fail to maintain their business continuously, due to inefficient management of the financial aspects of the organization, which becomes an obstacle for business actors in planning and can also disrupt the level of continuity of the business. This is the background for the need for community service activities in order to improve the quality of financial inclusion, especially in terms of working capital management budgeting for mobile-based SMEs and startup companies. This community service activity was formed to expand knowledge regarding effective and efficient working capital management budgeting, where it is hoped that through this program, mobile-based SMEs and startup business actors will have the knowledge to know the financial strength of their business and can be used as a consideration in decisions and make the business run healthier in the future.
Kualitas Layanan Fintech dan Literasi Investasi: Dampaknya terhadap Keberlanjutan Perbankan melalui Niat untuk Terus Menggunakan Aplikasi Seluler Bank Regional Adinda Fazreen; Sita Deliyana Firmialy
Society Vol 13 No 2 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i2.869

Abstract

The development of digital technology in the banking sector has driven significant transformation, including in mobile banking services. West Java Regional Banks, a regional development bank, has responded to this trend by launching the Mobileby Bank BJB application. This study examines how Fintech Service Quality and Sustainable Investment Literacy influence Bank Sustainable Performance and the mediating role of Continuance Intention in this relationship. The research is motivated by the gap between user expectations, the quality of services received, and the generally low level of user understanding regarding sustainability concepts, particularly in sustainable investment literacy. Using a quantitative approach and data analysis through questionnaire distribution, this study is expected to provide a clearer picture of the importance of improving digital service quality and sustainability literacy education in supporting the performance of digital banking. The findings are anticipated to offer strategic input for the development of Digi by Bank West Java Regional Bank in Indonesia and digital banking services in general, to be more competitive and aligned with user needs in the digital era.
Literasi Investasi Syariah, Religiusitas, dan Profil Risiko dalam Membentuk Keputusan Investasi pada Platform Bibit: Peran Moderasi Gender Zida Naela Salsabilla; Sita Deliyana Firmialy
Society Vol 13 No 2 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i2.870

Abstract

This study investigates the impact of Sharia investment literacy, religiosity, and risk profile on investment decision-making among users of the Bibit platform, with gender serving as a moderating variable. Although financial technology usage has surged among Millennials and Generation Z, participation in Sharia-compliant investments remains relatively low. This gap may be attributed to limited Sharia investment literacy, varying degrees of religiosity, and diverse individual risk profiles. Using a quantitative approach, data were collected from 221 Muslim investors on the Bibit platform via an online survey and analyzed using Structural Equation Modeling (SEM). The results indicate that both Sharia investment literacy and religiosity significantly and positively influence investment decisions, whereas risk profile shows no significant effect. Additionally, gender moderates the relationship between religiosity and investment decisions, but does not moderate the effects of Sharia investment literacy or risk profile. These findings offer valuable insights for financial platform developers and policymakers seeking to enhance Sharia investment engagement through targeted literacy programs and inclusive, gender-sensitive strategies for younger demographics.
Co-Authors Adinda Fazreen Agus Maolana Hidayat Akhmad Yunani Akram, Putra Tri Alviera Putri Amelia, Intan Annisa Salsabilla Azhar, Eva Nuurul Budi Rustandi Kartawinata Cahyaningsih Cahyaningsih Cahyaningsih Cahyaningsih Ceuceu Diana Putri Darnaufal, Mochamad Dematria Pringgabayu Dematria Pringgabayu Dewi Aprilia Elza Maharani Albama Eva Nuurul Azhar Gede Wira Wasistha I Nyoman Bontot Imanuddin Hasbi Ismaya Adriyanti Ismaya Adriyanti Kausar Fattah Akhsan Kurnia, Najwan Fakhrin Maulana, Eza Rivaldy Mochamad Zidan Pamungkas Muhamad Hozali Mutiara Shofrina Neya Maulia Armatya Nursafarina, Aulia Pamungkas, Mochamad Zidan Putra Tri Akram Putri Amalia Putri Amalia Putri Dwi Rusliani Rafly Bintang Pramudya Reshinta Indah Syafiera Riza Andrian Septian Riza Andrian Septiani Sanoyo, Ario Menak Selma Willany Telaumbanua Sherly Artadhita Sherly Artadita Sudarso Kaderi Wiryono Taufiq, Hilmawan Tifanisyaffa, Azelika Wiwin Aminah Yogi Suprayogi Yogi Suprayogi Sugandi Yulia Nur Hasanah Yunieta Anny Nainggolan, Yunieta Anny Zida Naela Salsabilla Zidane, Muhammad zuari, irsal