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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) GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan 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 Penelitian dan Pengabdian Masyarakat 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 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
Pengaruh Overconfidence  dan Herding behavior terhadap Keputusan Investasi Saham dengan Literasi Keuangan sebagai Variabel Mediasi pada Investor Generasi Muda Pengguna Aplikasi Stockbit di Kota Palangka Raya Meiggi Putra; Solikah Nurwati; Violly Yuzico; Afriardi Budiari Pratama; Jessica Septiana Harto
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 3 (2026): August 2026 In Press
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/16dsbj97

Abstract

This study examines the effects of overconfidence, herding behavior, and financial literacy on stock investment decisions and tests the mediating role of financial literacy among young Stockbit investors in Palangka Raya City. Using an explanatory quantitative design, data were collected through a five-point Likert-scale online questionnaire with purposive sampling. Of 137 responses, 120 valid responses were analyzed using PLS-SEM with SmartPLS 4. The results show that overconfidence (O=0.289; p=0.000), herding behavior (O=0.183; p=0.008), and financial literacy (O=0.524; p=0.000) positively and significantly affect stock investment decisions. However, overconfidence (O=0.099; p=0.285) and herding behavior (O=0.029; p=0.790) do not significantly affect financial literacy. Their indirect effects are also insignificant. Therefore, financial literacy does not mediate either relationship. The model explains 42.3% of stock investment decisions and 1.1% of financial literacy. 
Pengaruh Literasi Keuangan dan Pembayaran Digital Terhadap Kinerja UMKM Melalui Inovasi Sebagai Variabel Mediasi di Kota Palangka Raya Eko Agus Nadhif; Solikah Nurwati; Eka Indra Kusuma; Vira Saskia
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 3 (2026): August 2026 In Press
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/f216kn63

Abstract

This study aims to analyze the influence of financial literacy and digital payments on the performance of MSMEs through innovation as a mediating variable in Palangka Raya City. The study used a quantitative approach with an explanatory design. A total of 155 respondents were selected using the Slovin formula and purposive sampling technique. Data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method using SmartPLS 4. The results showed that financial literacy and digital payments have a positive and significant effect on innovation and MSME performance. The results also revealed that innovation has a significant influence on MSME performance and is a mediating mechanism between financial literacy, digital payments, and MSME performance. These findings emphasize the importance of increasing financial capacity and adopting digital payment technology in encouraging innovation and improving business performance.
Pengaruh Literasi Keuangan, Self-Control Dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Feb Universitas Palangka Raya Soma Ramadhan; Solikah Nurwati; Cristian Danur Saputra; Vina Aida Tria; Desiva Amalia
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 5: Juli 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i5.9363

Abstract

Perilaku konsumtif di kalangan mahasiswa mengalami peningkatan signifikan dalam beberapa tahun terakhir, seiring dengan kemudahan akses terhadap produk dan layanan melalui platform digital. Fenomena ini tercermin dari meningkatnya frekuensi belanja online, penggunaan paylater, serta pola konsumsi yang lebih berorientasi pada gaya hidup daripada kebutuhan. Tujuan penelitian ini adalah untuk mengetahui pengaruh literasi keuangan, self-control, dan gaya hidup terhadap kebiasaan pembelian mahasiswa FEB Universitas Palangka Raya. Data dikumpulkan dari 359 responden melalui kuesioner yang disebarkan menggunakan metode survei, kemudian dianalisis menggunakan analisis regresi linear berganda dengan alat SPSS 25. Temuan pada penelitian ini menunjukkan bahwa literasi keuangan tidak berpengaruh signifikan terhadap perilaku konsumtif mahasiswa, sedangkan self-control dan gaya hidup memberikan pengaruh signifikan dalam membentuk perilaku konsumsi di kalangan mahasiswa. Dimana variabel literasi keuangan, self-control, dan gaya hidup hanya menjelaskan 67% dari variasi perilaku konsumtif, sisanya 33% menunjukkan adanya faktor lain yang terlibat. Penelitian ini merekomendasikan peningkatan literasi keuangan di kalangan mahasiswa melalui program edukasi yang efektif untuk mengurangi pengaruh gaya hidup konsumtif dan lemahnya pengendalian diri.
Pengaruh E-Commerce, Life Style, Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Universitas Palangka Raya Adityo Yudho Saputro; Solikah Nurwati; Ekklesia Evanggelion; Jelly Beatrika; Raendra Efrandi; Septiani Berlianti; Yolanda Margaretha
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.
Pengaruh Literasi Keuangan, Digital Payment, Media Sosial Terhadap Perilaku Konsumtif Mahasiswa Universitas Palangka Raya Oktami Nabella Tanjung; Solikah Nurwati; Katarina Rani Rajagukguk; Nia Adelina Br Bangun
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.
Investasi Bijak: Bagaimana Pengetahuan Keuangan dan Literasi Keuangan Mempengaruhi Keputusan Investasi Guru Di Kota Palangka Raya Dengan Minat Investasi Sebagai Mediasi Solikah Nurwati; Ani Mahrita; Noorjaya Nahan; Achmad Syamsudin; Peridawaty Peridawaty
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.v12i3.6278

Abstract

The development of financial technology and increasing public access to investment instruments, encourage the participation of various professional groups to invest in the capital market. Teachers who are classified as employees and professionals have a lower level of financial literacy compared to other professions, so the population of this study is active ASN status teachers at SMAN Palangka Raya City = 538 people, with a random sample obtained 100 teachers. Analysis with Smart PLS version 4.0. Using four latent variables; two endogenous variables (investment knowledge and financial literacy); one moderating variable (investment interest) and one exogenous variable (investment decision). The four variables were analyzed for their direct and indirect influence between endogenous, moderating, and exogenous variables. The output results of R²: 1) investment interest = 0.182 (weak), 2). Investment decision = 0.218 (weak) and the results of the study show: (1) investment interest is influenced by investment knowledge variables and financial literacy with a positive relationship; 2) financial literacy is able to influence teacher investment decisions with a unidirectional relationship, but investment knowledge and investment interest cannot influence investment decisions; 3) investment interest is not able to act as a link between investment knowledge and financial literacy towards investment decisions of SMAN teachers in Palangka Raya City in the capital market.
Co-Authors Achmad Syamsudin Adityo Yudho Saputro Afriardi Budiari Pratama Alfarinda Asa Suharna Ani Mahrita Anike Retawati ayu firnanda Beatrika, Jelly Bella Frista Berlianti, Septiani Cristian Danur Saputra Deddy Rakhmad Hidayati Desiva Amalia Desiva Amalia Efrandi, Raendra Eka Indra Kusuma Ekklesia Evanggelion Eko Agus Nadhif Evanggelion, Ekklesia Jelly Beatrika Jessica Septiana Harto Jodie, Jodie Katarina Rani Rajagukguk Margaretha, Yolanda Meiggi Putra Metri Metri Muhammad Afrizal Mutmainah Mutmainah Nia Adelina Br Bangun Noorjaya Nahan Novia Putri Nurmaya Sari Batubara Okta Malinda Oktami Nabella Tanjung Pebri Rahman Peridawaty Peridawaty Pretti Raendra Efrandi Rahmawati Budi Mulyani Rahmiati Rahmiati Resa Purna Susanti Rita Sarlawa Rita Sarlawa Rita Sarlawa Santi Wati Septiani Berlianti Soma Ramadhan Soma Ramadhan Sri Lestari Hendrayati Sri Mujiati Ulfah Suprayitno Suprayitno syamsuri syamsuri Ulfah, Sri Mujiarti Vina Aida Tria Vina Aida Tria Violly Yuzico Vira Saskia Yolanda Margaretha Yudho Saputro, Adityo Zainal Firdaus Wardhana