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All Journal Jurnal Studi Manajemen dan Bisnis PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Penentuan harga obligasi dan teori tingkat bunga Jurnal Abdidas Jurnal Manajemen Sains dan Organisasi (JMSO) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Media Bina Ilmiah DEVOTE: Jurnal Pengabdian Masyarakat Global Jurnal Ekonomika Manajemen Dan Bisnis Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Jurnal Ekonomi, Manajemen, Akuntansi
Solikah Nurwati
Universitas Palangka Raya
Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Pengaruh Literasi Keuangan, Digital Payment, Media Sosial Terhadap Perilaku Konsumtif Mahasiswa Universitas Palangka Raya Tanjung, Oktami Nabella; Nurwati, Solikah; Rajagukguk, Katarina Rani; Br Bangun, Nia Adelina
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i1.2931

Abstract

The increasing trend of consumptive behavior among university students in the digital era has become a critical concern requiring comprehensive analysis. The core issue of this study lies in the high level of student consumption behavior that is disproportionate to their financial literacy, further intensified by the ease of digital payments and the influence of social media. This research aims to analyze the effects of financial literacy, digital payment, and social media on the consumptive behavior of students at Universitas Palangka Raya. A quantitative research approach was employed, involving the distribution of Likert-scale questionnaires to 202 students selected through non-probability sampling. The data were processed using multiple linear regression with SPSS version 25, including validity and reliability testing, classical assumption testing (normality, linearity, multicollinearity, heteroscedasticity, and autocorrelation), as well as t-tests and F-tests. The findings reveal that digital payment and social media have a positive and significant impact on consumptive behavior, with social media emerging as the most influential factor. Conversely, financial literacy has a negative but statistically insignificant effect. The regression model explains 37.6% of the variation in students’ consumptive behavior, with the remaining 62.4% influenced by external factors not included in the model. These results underscore the importance of practical financial education, increased awareness of digital financial tools, and critical engagement with social media to mitigate excessive consumption tendencies among students in today’s digital consumption culture.
Pengaruh Literasi Keuangan, Uang Saku, Gaya Hidup Hedonisme terhadap Pengelolaan Keuangan Mahasiswa Universitas Palangka Raya Santi Wati; Solikah Nurwati; Bella Frista; Alfarinda Asa Suharna; Ayu Firnanda; Jodie, Jodie
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.9883

Abstract

Latar belakang penelitian ini didasarkan pada pentingnya kemampuan mahasiswa dalam mengelola keuangan secara efektif di tengah tantangan ekonomi dan gaya hidup konsomtif. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, uang saku, gaya hidup hedonisme terhadap pengelolaan keuangan mahasiswa Universitas Palangka Raya. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan metode survei dan pengumpulan data primer melalui kuesioner kepada 100 responden mahasiswa aktif minimal angkatan 2021. Teknik analisis yang digunakan adalah regresi linear berganda dengan bantuan SPSS versi 27. Hasil penelitian menunjukkan bahwa uang saku berpengaruh secara signifikan terhadap pengelolaan keuangan mahasiswa. Namun, literasi keuangan dan gaya hidup hedonisme tidak berpengaruh signifikan. Temuan ini menunjukkan bahwa besarnya uang saku memiliki peran penting dalam menentukan pola pengelolaan keuangan mahasiswa, sedangkan tingkat literasi keuangan dan kecenderungan gaya hidup hedonisme tidak secara langsung mempengaruhi perilaku pengelolaan keuangan mereka.
Pengaruh E-Commerce, Life Style, Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Universitas Palangka Raya Yudho Saputro, Adityo; Nurwati, Solikah; Evanggelion, Ekklesia; Beatrika, Jelly; Efrandi, Raendra; Berlianti, Septiani; Margaretha, Yolanda
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.9967

Abstract

Penelitian ini bertujuan untuk menganalisis secara empiris pengaruh E-Commerce, Lifestyle, dan Literasi Keuangan terhadap perilaku konsumtif mahasiswa Universitas Palangka Raya. Penelitian ini menggunakan pendekatan kuantitatif dengan desain deskriptif dan metode survei terhadap 100 responden mahasiswa aktif dari delapan fakultas. Instrumen penelitian divalidasi melalui uji validitas dan reliabilitas, sementara analisis data dilakukan dengan regresi linier berganda menggunakan perangkat lunak SPSS versi 23. Hasil analisis menunjukkan bahwa ketiga variabel independen yaitu E-Commerce, Lifestyle, dan Literasi Keuangan berpengaruh signifikan terhadap perilaku konsumtif, baik secara parsial maupun simultan. E-Commerce dan Life Style memiliki pengaruh positif, sedangkan Literasi Keuangan menunjukkan pengaruh negatif yang signifikan, mengindikasikan bahwa semakin tinggi literasi keuangan seseorang, semakin rendah kecenderungannya untuk bersikap konsumtif. Secara simultan, model ini mampu menjelaskan 69.1% variasi perilaku konsumtif mahasiswa, sementara sisanya dipengaruhi oleh faktor lain di luar model. Temuan ini memberikan kontribusi teoretis maupun praktis dalam upaya mengembangkan strategi edukasi keuangan dan pengelolaan konsumsi yang lebih bijak di era digital.
Determinasi Perilaku Konsumtif Mahasiswa Di Kota Palangka Raya: Peran Self Control Dalam Mengurangi Konsumsi Berlebihan Solikah Nurwati; Zainal Firdaus Wardhana
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5722

Abstract

Students are a productive age group who are often the main target of marketing trendy, branded, and fashionable products through social media that are personal and persuasive. This condition encourages the emergence of consumptive behavior as a form of fulfilling a lifestyle to appear attractive. This study uses a qualitative method quantified through a Likert scale (1–5) with a Google Form survey, conducted in June 2025 among active students in Palangka Raya City. From a population of 37,504 students, 350 respondents were obtained through a purposive sampling technique. Data analysis with Smart PLS 4.0. The results of the study: the contribution of financial literacy, lifestyle and self-control simultaneously to consumptive behavior is 72.4% (strong category), while financial literacy and lifestyle influence self-control by 13.6% (weak category). There is a negative correlation between financial literacy and self-control to consumptive behavior, but a positive correlation by lifestyle. Self-control is proven to be a link between financial literacy and consumptive behavior. Even though students have good self-control, exposure to a consumerist lifestyle can still encourage the emergence of consumerist behavior.
The Influence of Financial Knowledge, Financial Attitudes, and Financial Behavior on Investment Decisions of Millennial Generation Workers in Palangka Raya City Pretti; Solikah Nurwati; Ani Mahrita
Jurnal Manajemen Sains dan Organisasi Vol. 6 No. 1 (2025): Jurnal Manajemen Sains dan Organisasi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jmso.v6i1.18197

Abstract

Objective – This study aims to determine whether financial knowledge, financial attitudes, and financial behavior influence the investment decisions of millennial generation workers in Palangka Raya City and whether financial knowledge, financial attitudes, and financial behavior have a joint influence on the investment decisions of millennial generation workers in Palangka Raya City.Design/Methodology/Approach – This research method uses a quantitative research method with the SPSS analysis tool. The population of this study was millennial workers in Palangka Raya City with a sample size of 96 respondents using a non-probability sampling technique obtained through a questionnaire.Findings – Research results: 1) Financial knowledge has a positive effect on investment decisions for millennial workers in Palangka Raya City. (2) Financial attitudes have a positive effect on investment decisions for millennial workers in Palangka Raya City. (3) Financial behavior has a positive effect on investment decisions for millennial workers in Palangka Raya City. (4) Financial knowledge, financial attitudes, and financial behavior simultaneously influence investment decisions for millennial workers in Palangka Raya City.Implications – This research can provide awareness for the millennial generation in the city of Palangka Raya to better understand and study financial knowledge, financial attitudes, and financial behavior for investment decisions, in order to obtain maximum profits and minimize the risks of investments made.
SCALE SCALE UP MOBILE VEGETABLE VENDORS IN PALANGKA RAYA CITY THROUGH FINANCIAL LITERACY AND DIGITAL MARKETING MENTORING Syamsuri Syamsuri; Solikah Nurwati; Okta Malinda; Sri Mujiarti Ulfah
Devote: Jurnal Pengabdian Masyarakat Global Vol. 4 No. 4 (2025): Devote: Jurnal Pengabdian Masyarakat Global, 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/devote.v4i4.5220

Abstract

This community service program aims to provide insight and knowledge about financial literacy, competitive pricing, sound financial management, how to hygienically and attractively package fish and vegetables, how to choose the right service and marketing strategies, and how to create technological innovations by following current trends such as delivery apps or social media. This Community Service activity, under the Community Empowerment Assistance Lecturer Service scheme, was conducted at the Berkah Bersama Mobile Vegetable Vendor Community in Palangka Raya City. The activities were implemented using various methods: Financial Literacy Socialization and Training, Training and Mentoring on the Use of Digital Marketing, Training on Appropriate Service and Marketing Strategy Management, and Training and Mentoring on skills in analyzing competitive pricing and how to manage and package products properly so that they appear fresh and attract buyers to increase profitability. The training delivery methods used were lectures, interactive dialogues, and hands-on demonstrations on the use of digital marketing applications. Keywords: Empowerment, Mobile Vegetable Vendors, Financial Literacy, Digital Marketing
Co-Authors Alfarinda Asa Suharna Ani Mahrita Anike Retawati ayu firnanda Barus, Iren Nita Br Beatrika, Jelly Bella Frista Berlianti, Septiani Br Bangun, Nia Adelina Choerunisa, Nur Cristian Danur Saputra Deddy Rakhmad Hidayati Desiva Amalia Efrandi, Raendra Evanggelion, Ekklesia Hidayah, Selvia Nur Jodie, Jodie Margaretha, Yolanda Metri Metri Meyrianisa, Yaya Mutmainah Mutmainah Novia Putri Nurmaya Sari Batubara Okta Malinda Pretti Rahman, Muhammad Arie Rahmawati Budi Mulyani Rahmiati Rahmiati Rajagukguk, Katarina Rani Resa Purna Susanti Rita Sarlawa Rita Sarlawa Rita Sarlawa Santi Wati Soma Ramadhan Sri Lestari Hendrayati Sri Mujiati Ulfah Suprayitno Suprayitno syamsuri syamsuri Tanjung, Oktami Nabella Ulfah, Sri Mujiarti Vina Aida Tria Yudho Saputro, Adityo Zainal Firdaus Wardhana