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All Journal Jurnal Pendidikan Ekonomi (JUPE) Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Dinamika Pendidikan Economic Education Analysis Journal Jurnal Pendidikan Insan Mandiri Pendas : Jurnah Ilmiah Pendidikan Dasar EQUILIBRIUM: Jurnal Ilmiah Ekonomi dan Pembelajarannya JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Kumawula: Jurnal Pengabdian Kepada Masyarakat Jurnal Informatika Ekonomi Bisnis Jurnal Ecogen Jurnal Pengabdian kepada Masyarakat Nusantara Bima Abdi: Jurnal Pengabdian Masyarakat LEARNING : Jurnal Inovasi Penelitian Pendidikan dan Pembelajaran Indonesian Journal of Devotion and Empowerment (IJDE) Jurnal Keilmuan dan Keislaman J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Informatika Ekonomi Bisnis Jurnal Penelitian Pendidikan Journal of Economic Education
Ita Nuryana
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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Peran Literasi Keuangan dalam Memoderasi Pengaruh Penggunaan Shopee PayLater dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswa (Studi pada Mahasiswa Pendidikan Akuntansi Universitas Negeri Semarang 2022) Pasha Daveena Aritonang; Ita Nuryana
Kompak :Jurnal Ilmiah Komputerisasi Akuntansi Vol. 19 No. 1 (2026): Kompak : Jurnal Ilmiah Komputerisasi Akuntansi
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/kompak.v19i1.3641

Abstract

The rapid expansion of digital finance services, particularly Buy Now Pay Later (BNPL) platforms such as Shopee PayLater, has significantly altered consumption patterns among university students. The aim of this study is to examine the effect of Shopee PayLater usage and lifestyle on consumptive behavior, as to test the moderating role of financial literacy among Accounting Education students at Universitas Negeri Semarang (class of 2022). A quantitative explanatory approach was employed, with data collected via Likert-scale questionnaires distributed to 63 respondents selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. Results show that Shopee PayLater usage positively and significantly affects consumptive behavior (path coefficient = 0.440, p = 0.000), as does lifestyle (path coefficient = 0.408, p = 0.003). Financial literacy, however, does not directly influence consumptive behavior (p = 0.676). Notably, financial literacy significantly strengthens—rather than weakens—the effect of lifestyle on consumptive behavior (interaction coefficient = 0.253, p = 0.019), while it does not moderate the relationship between Shopee PayLater usage and consumptive behavior (p = 0.712). These findings contribute theoretically by extending the Theory of Planned Behavior, demonstrating that BNPL accessibility and lifestyle orientation are stronger predictors of consumptive behavior than financial knowledge alone. Practically, this study suggests that financial literacy interventions must be accompanied by self-regulation strengthening and consumer protection policies to effectively curb excessive consumption driven by digital credit services.
Development of a TPACK-Based PjBL Learning Model (Technological, Pedagogical, Content Knowledge) to Improve 21st Century Skills Dewi Hanifah; Widiyanto; Ita Nuryana
Journal of Economic Education Vol. 15 No. 1 (2026): June 2026
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jeec.v15i1.41499

Abstract

The development of 21st-century skills can be achieved through the learning process, one of which is through the subject of economics. The reality at SMA Negeri 1 Ambarawa shows that learning economics, especially on the material of compiling basic accounting equations, faces various challenges. First, learning tends to be teacher-centered and emphasizes memorization of concepts, is still dominated by lecture and memorization methods, and the use of technology in the learning process is still limited. The study used a quantitative approach with the development research method and the 4D development model. The resulting product is a teaching module with a TPACK-based PjBL learning model that aims to improve 21st-century skills in the material of compiling basic accounting equations. The validation results from material experts obtained scores of 3.71 and 3.62 in the feasible category and the value from media experts was 3.16 in the feasible category. The practicality test result was 3.16, which means the developed teaching module is practical to use. The N-Gain test obtained a score of 0.71, which means there is an increase in 21st-century skills using the TPACK-based PjBL learning model. The conclusion obtained is that this research produces a TPACK-based PjBL teaching module to improve 21st century skills that are effective and suitable for use in learning activities.
Dampak kesenjangan literasi keuangan dan locus of control terhadap perilaku konsumtif pengguna paylater Afrita Miranda; Ita Nuryana
Jurnal Pendidikan Ekonomi (JUPE) Vol. 14 No. 1 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jupe.v14n1.p58-71

Abstract

Rapid digitization and the growth of PayLater services have raised concerns about an increase in consumptive and impulsive purchasing behavior, especially among users with low financial literacy and external locus of control. This study aims to integrate financial literacy and locus of control as key variables that influence the consumptive behavior of PayLater users. It analyzes the impact of financial literacy gaps and locus of control on the relationship between financial literacy and consumptive behavior. This study uses a systematic literature review method from 15 articles published between 2020 and 2025. The results of this study found that financial literacy is essential in reducing consumptive behavior. However, external locus of control can still encourage impulsive buying, even in individuals with good financial literacy, and PayLater itself has the potential to increase impulsive spending.
Pengaruh Literasi Keuangan Digital dan Teknologi Finansial terhadap Perilaku Pengelolaan Keuangan Pribadi pada Mahasiswa Program Studi Pendidikan Akuntansi Sri Ningsih; Ita Nuryana
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 10 No 2 (2026): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v10i2.35851

Abstract

The rapid expansion of digital financial services has increased students’ access to financial transactions, yet previous studies have reported inconsistent findings regarding the roles of digital financial literacy and financial technology in shaping personal financial management behavior. This study investigates the effects of digital financial literacy and financial technology on the personal financial management behavior of Accounting Education students at Universitas Negeri Semarang. Using a quantitative approach, data were collected from 145 students of the 2022 cohort through questionnaires and analyzed using multiple linear regression. The findings reveal that both digital financial literacy and financial technology positively and significantly influence personal financial management behavior, with digital financial literacy exerting the stronger effect. Together, these variables explain 28% of the variance in financial management behavior, while the remaining 72% is attributed to factors beyond the research model. The results highlight the importance of strengthening digital financial literacy and promoting responsible financial technology use to enhance students’ financial management behavior.
PENGARUH SELF-REGULATED LEARNING DAN EFIKASI DIRI TERHADAP BERPIKIR KRITIS SANTRI MELALUI PROKRASTINASI AKADEMIK Wafa Ulum Ma'arif; Ita Nuryana
LEARNING : Jurnal Inovasi Penelitian Pendidikan dan Pembelajaran Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia (P4I)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/learning.v6i3.14684

Abstract

ABSTRACT Critical thinking skills in students’ learning experiences are associated with how academic processes are directed, sustained, and carried out when facing complex demands. This study examines the relationship between self-regulated learning and self-efficacy and students’ critical thinking skills, while also investigating the role of academic procrastination as a mediating variable among 91 tenth- and eleventh-grade students at MA Riyadus Sholihin. A quantitative approach with an ex post facto design was employed, involving all respondents through saturated sampling. Data were collected using a five-point Likert-scale questionnaire and analyzed through descriptive statistics, assumption testing, path analysis, t-tests, the Sobel test, and the coefficient of determination using IBM SPSS Statistics. The direct paths indicated that self-regulated learning had a positive effect on critical thinking skills (β = 0.486; p < 0.001), as did self-efficacy (β = 0.164; p = 0.005), whereas academic procrastination had a negative effect (β = −0.494; p < 0.001). Mediation analysis provided support for the partial mediating role of academic procrastination in the relationships between self-regulated learning and self-efficacy and critical thinking skills. These findings suggest that the development of critical thinking skills needs to be understood in conjunction with learning regulation, confidence in one’s capabilities, and the management of procrastination within a pesantren-based educational environment. ABSTRAK Kemampuan berpikir kritis dalam pengalaman belajar siswa berkaitan dengan bagaimana proses akademik diarahkan, dipertahankan, dan dijalankan ketika menghadapi tuntutan yang kompleks. Penelitian ini menelaah hubungan self-regulated learning dan efikasi diri dengan kemampuan berpikir kritis, sekaligus menguji posisi prokrastinasi akademik sebagai variabel mediasi pada 91 siswa kelas X dan XI MA Riyadus Sholihin. Penelitian menggunakan pendekatan kuantitatif dengan desain ex post facto dan melibatkan seluruh responden melalui sampling jenuh. Data dikumpulkan menggunakan kuesioner berskala Likert lima poin dan dianalisis melalui statistik deskriptif, uji asumsi, path analysis, uji t, uji Sobel, serta koefisien determinasi dengan IBM SPSS Statistics. Jalur langsung memperlihatkan bahwa self-regulated learning berpengaruh positif terhadap kemampuan berpikir kritis (β = 0,486; p < 0,001), demikian pula efikasi diri (β = 0,164; p = 0,005), sedangkan prokrastinasi akademik berpengaruh negatif (β = −0,494; p < 0,001). Pengujian mediasi menghasilkan dukungan terhadap peran parsial prokrastinasi pada hubungan self-regulated learning dan efikasi diri dengan kemampuan berpikir kritis. Temuan ini memperlihatkan bahwa pengembangan kemampuan berpikir kritis perlu dipahami bersama pengelolaan belajar, keyakinan terhadap kapasitas diri, dan pengendalian kecenderungan menunda dalam lingkungan pendidikan berbasis pesantren.
Co-Authors -, Kardiyem Afrita Miranda Agung Haryono Akhtar, Rana Sharjeel Al-Kubro, Putri Balqis Angelica, Seanita Febriana Arfina Nur Insani Baihaqi, Muhamad Adzib Bestari Dwi Handayani Dewi Hanifah Dewi, Lutfiani Puspita Dyah Maya Nihaya Dyah Maya Nihayah Fajar Istikhomah Hakim, Muh. Adrikni Al Handayani, Ponjaya Tri I. Ismiyati Ida Nur Aeni Ida Nur Aeni, Ida Nur Indri Murniawaty, Indri Isdiati, Erni Harlina Khayati, Afif Nur Kholqiyah, Dewi Azizatul Kohar Sulistyadi Kusumaningrum, Martina Laili Khasanah Margunani, Margunani Mawaddah, Ida Menik Kurnia Siwi Moh. Chairil Asmawan Mudrikah, Saringatun Muhammad Qolbi Shobri Mustapa, Alan Muzakar Isa Nanda Aji Setyaputri Nawa Aprilia, Isna Nurmaya, Alya Nurul Chotimah Pangestika, Zalma Niendya Partono Thomas Pasha Daveena Aritonang Putri, Dian Khoiriyani Rachmadani, Wulan Suci Rachmawati, Novi Ratieh Widhiastuti Rediana Setiyani, Rediana Rhavida Anniza Andyani Seli Fatmahwati Shazaitul Azreen Rodzalan Sri Ningsih Sriyanto Sriyanto Sudarsono Suranto Suranto Tarsis Tarmudji, Tarsis Tsuroyya, Kharisma Wafa Ulum Ma'arif Wafrotur Rohmah Wicaksono, Ardian Bagus Widiyanto Wiedy Murtini Wijang Sakitri Wiwik Nurfiana