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All Journal JDM (Jurnal Dinamika Manajemen) Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal EMT KITA SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan TIJAB (The International Journal of Applied Business) OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi JBMR: Journal of Business and Management Review Jurnal Ekuilnomi JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Dinamika Neo Journal of economy and social humanities Jurnal REKOMEN (Riset Ekonomi Manajemen) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JER E-Amal: Jurnal Pengabdian Kepada Masyarakat Journal of Ekonomics, Finance, and Management Studies Sasambo: Jurnal Abdimas (Journal of Community Service) Journal of Management Economics and Financial Accounting
Pradana Jati Kusuma
Fakultas Ekonomi Dan Bisnis, Universitas Dian Nuswantoro
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Generation Z Adoption of QRIS in Semarang City : Role of Financial Risk Tolerance Annisa Luthfiyah Rachma; Pradana Jati Kusuma
Neo Journal of economy and social humanities Vol 3 No 3 (2024): Neo Journal of economy and social humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v3i3.217

Abstract

 This study explores Generation Z's adoption of QRIS in Semarang City using the UTAUT framework. It examines how performance expectancy, effort expectancy, social influence, and facilitating conditions impact financial risk tolerance and intentions to use of digital payment QRIS. According to Bank Indonesia, QRIS has seen significant growth, with 50.50 million users in 2024 and a 226.54% increase in transactions compared to the previous year. Data from 165 respondents aged 18–27, analyzed with SEM-PLS, revealed that all UTAUT variables positively influence financial risk tolerance, which in turn impacts QRIS adoption. Performance expectancy had the strongest effect, while facilitating conditions showed minimal impact, indicating the need for infrastructure improvements. Recommendations include enhancing security, upgrading infrastructure, and educating users to promote QRIS as a reliable digital payment tool in Indonesia.
Analisis Peran Elemen Marketing Mix Jasa Terhadap Keputusan Menggunakan Jasa Perbankan pada BSI Wilayah Pekalongan Emira Imania Utami; Amron Amron; Dwi Eko Waluyo; Pradana Jati Kusuma
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i8.12389

Abstract

This research examines the influence of the process, people, and physical evidence elements on consumers' purchasing decisions at Bank Syariah Indonesia in the City and Regency of Pekalongan. A quantitative approach was applied using data collected from 108 respondents, which were analyzed using SmartPLS through the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results reveal that all three service marketing mix components exert a positive and significant impact on purchasing decisions. Notably, the process element emerges as the most dominant factor in shaping customers' buying choices. These results highlight the importance of optimizing service processes to enhance customer decision-making. This study contributes theoretically to the marketing management literature regarding consumer behavior in the Islamic banking industry, as well as practically to Bank Syariah Indonesia in developing marketing strategies and optimizing digital-based services.
Environmental Performance, Environmental Disclosure, dan Economic Performance: Perspektif Model Persamaan Simultan: Studi Empiris Pada Perusahaan Manufaktur Sektor Industri Dasar dan Kimia yang Terdaftar pada BEI Usman Alfaruq; Usman Usman; Vicky Oktavia; Pradana Jati Kusuma
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i8.12521

Abstract

                This study aims to examine the simultaneous relationship between environmental performance, environmental disclosure, and economic performance in manufacturing companies in the basic and chemical industries listed on the Indonesia Stock Exchange during the 2021–2023 period. This study applies a quantitative approach using the Three-Stage Least Squares (3SLS) method to 30 companies with a total of 90 observations. The results show that environmental performance has a significant positive effect on economic performance, while environmental disclosure has a significant negative effect on economic performance. Furthermore, economic performance has been shown to significantly influence both environmental performance and environmental disclosure. These findings indicate a reciprocal relationship between variables in supporting corporate sustainability. Overall, environmental performance is an important factor in improving economic performance, but environmental disclosure still creates cost pressures in the short term. This study implies that companies need to balance environmental responsibility and economic efficiency.
Peran Kontrol Diri Dalam Memediasi Hubungan Penggunaan Media Sosial Dan E-Wallet Terhadap Perilaku Konsumtif Masyarakat Di Kabupaten PATI Ilham Tri Laksana; Diana Puspitasari; Linda Ayu Oktoriza; Pradana Jati Kusuma
Jurnal Ekuilnomi Vol. 8 No. 1 (2026): Ekuilnomi Vol 8(1), Feb 2026
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/k7he3582

Abstract

Penelitian ini bertujuan menganalisis pengaruh media sosial dan e-wallet terhadap perilaku konsumtif dengan kontrol diri sebagai variabel mediator. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 159 masyarakat Kabupaten Pati. Analisis data dilakukan menggunakan software SmartPLS 4 dengan pendekatan Structural Equation Modeling–Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa media sosial dan e-wallet berpengaruh positif terhadap perilaku konsumtif. Kontrol diri berpengaruh signifikan terhadap perilaku konsumtif serta memediasi pengaruh media sosial, namun tidak memediasi hubungan e-wallet dengan perilaku konsumtif. Temuan ini menegaskan pentingnya kontrol diri dalam merespons stimulus konsumsi digital
Peran Literasi Keuangan Digital, Pendidikan, Sikap Keuangan, dan Pendapatan Terhadap Pengelolaan Keuangan Generasi Sandwich di Kabupaten Indramayu Rosita Rosita; Pradana Jati Kusuma; Rudi Kurniawan; Amalia Nur Chasanah
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 3 (2026): Juni 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i3.6674

Abstract

The phenomenon of the sandwich generation is increasingly prominent in Indramayu Regency with the increasing burden on the family economy and the development of digital financial services. This generation is at a productive age but has to bear the needs of two generations at once, so financial management skills are very crucial. This study aims to examine the influence of the role of digital financial literacy, education, financial attitudes, and income on the management of the sandwich generation in Indramayu Regency . This study applied a quantitative approach with purposive sampling technique on 115 respondents after screening. Data was collected through a Likert scale questionnaire and analyzed using the Partial Least Squares – Structural Equation Modeling (PLS-SEM) method with the help of SmartPLS 4. The results of the study explained that financial attitudes and income have a positive and significant effect on financial management. In contrast, digital financial literacy and education did not show a significant influence. The R-Square value of 0.592 explains that the model has moderate explanatory ability. These findings indicate that behavioral factors and actual economic conditions determine the quality of financial management of the sandwich generation more than formal knowledge and digital literacy.
Co-Authors Adelia Dwi Setyaningrum Almira Santi Samasta Amalia Nur Chasanah Amaliya Fitriyana Amron Amron Ana Kadarningsih Kadarningsih Anak Agung Istri Sri Wiadnyani Annisa Luthfiyah Rachma Ayu Rizky Yuniar Bobur Sobirov Damar, Haunan Dian Ardhianti Diana Puspitasari Dina Destia Laila Safitri Dwi Eko Waluyo Emira Imania Utami Fakhmi Zakaria Farid Naufal Febrianur Ibnu Fitroh Sukono Putra Gde Bayu Surya Parwita Guruh Taufan Hariyadi Hartoyo Hartoyo Hendro Sasongko I Dewa Made Arik Permana Putra Ilham Tri Laksana Imam Nuryanto Krisna Kurniawan Laila Munzila Made Ika Prastyadewi Mahmud Mahmud Maria Safitri Marselly Dewa Utama Mochammad Eric Suryakencana Wibowo Mujib, Miftachul Oktoriza, Linda Ayu Perdana, Tito Aditya Rosita Rosita Roymon Panjaitan Rudi Kurniawan Suhita Whini Setyahuni Sulistiani Sulistiani Usman Alfaruq Usman Usman Vicky Oktavia Yohan Wismantoro Yuni Nur Maulida