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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Online Mahasiswa (JOM) Bidang Pertanian Journal of Indonesian Economy and Business Jurnal Doktor Manajemen (JDM) International Journal of Financial, Accounting, and Management Jurnal Dehasen Mengabdi West Science Business and Management Jurnal Informatika Ekonomi Bisnis The Manager Reveiew Multifinance Riset Akuntansi dan Keuangan Indonesia
Fitri Santi
Bengkulu University
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Sosialisasi Media Sosial Sebagai Strategi Pemasaran Untuk Meningkatkan Pendapatan Di Masa Pandemi Bagi Pelaku UMKM Yusmaniarti, Yusmaniarti; Santi, Fitri; Tamsi, Fenni Lestari; Marini, Marini; Setiorini, Hesti
Jurnal Dehasen Mengabdi Vol 1 No 1 (2022): Maret-Agustus
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1150.424 KB)

Abstract

Pengabdian masyarakat ini dilaksanakan di Kelurahan Belakang Pondok Kota Bengkulu, yang merupakan salah satu kelurahan yang terletak di Kecamatan Ratu Samban Kota Bengkulu. Pekerjaan warga sebagian besar mayoritas pedagang dan kuli bangunan, pegawai, swasta. Ekonomi masyarakat mayoritas berada pada taraf menengah hal ini dikarenakan mata pencaharian warga adalah pedagang. Dengan berwirausaha dapat meningkatkan taraf perekonomian yang baik masyarakat yang berada di Kelurahan Belakang Pondok. Permasalahan yang muncul kurang nya pemahaman masyarakat tentang kemajuan teknologi sebagai sarana promosi yang sangat efektif untuk proses jual beli di media sosial. Media sosial merupakan bagian dari internet yang memiliki fungsi salah satunya sebagai media yang digunakan untuk mempromosikan produk olahan makanan yang digunakan oleh pelaku usaha. Media sosial sangat dibutuhkan bagi semua masyarakat tanpa terkecuali. Tujuan abdi masyarakat adalah untuk membantu warga untuk memanfaatkan media sosial sebagai sarana pemasaran yang efektif apalagi dimasa pandemi ini. sehingga orang-orang bisa mengenal lebih mudah dari hasil usaha yang kita buat yaitu dengan promosi melalui media sosial sehingga, walaupun di masa pandemi warga tidak terlalu merasakan dampak ekonomi. Hasil kegiatan ini masyarakat tidak terlalu kesulitan untuk memasarkan usaha nya karena kami sudah mengedukasii warga untuk membuat link,paint page,dan akun yg di gunakan untuk mengembangkan usaha agar konsumen lebih mudah untuk melakukan pengorderan
THE ROLE OF FINANCIAL TECHNOLOGY (FINTECH) IN MANAGING UMKM FINANCE IN NORTH BENGKULU DISTRICT Zoraya, Intan; Kamaludin, Kamaludin; Santi, Fitri; Rahmayanti, Dewi; Afandy, Chairil
Multifinance Vol. 2 No. 3 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i3.328

Abstract

This study examines the role of financial technology (fintech) in improving financial literacy among Micro, Small, and Medium Enterprises (MSMEs) in North Bengkulu Regency. Along with the development of technology and people's need for more efficient financial services, fintech has emerged as a solution to facilitate financial transactions. However, the community's low understanding of fintech can lead to financial risks, especially for MSME groups that tend to be consumptive. The research involved socialization and education on the use of fintech, with a focus on its positive impact and how to use it wisely. The methods used included surveys, presentations, and interactive discussions with participants. The results of the activity showed an increase in participants' knowledge of fintech and its potential utilization to improve financial transactions. This activity is expected to encourage local economic growth and increase public awareness of the importance of financial literacy in the digital era. Therefore, continuous education and support are needed to ensure that people can optimally utilize fintech.
QRIS and the Future of Digital Payments: Factors Influencing Consumer Behavioral Intentions in Indonesia Susanti, Melly; Santi, Fitri; Robinson , Robinson
West Science Business and Management Vol. 3 No. 02 (2025): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v3i02.1971

Abstract

This study aims to identify the factors that influence consumer behavioral intention in adopting the Quick Response Indonesian Standard (QRIS) mobile payment system in Indonesia. Using a quantitative research design, data was collected through questionnaires distributed online to QRIS users. This study explores the influence of individual factors, alternatives, and behavioral intentions on QRIS adoption. The analysis results show that individual factors, such as personal knowledge and innovativeness, have a significant influence on consumers' behavioral intention to adopt QRIS. In addition, the attractiveness of other payment alternatives, such as cash and credit cards, also influence the adoption decision. Consumer behavioral intention is shown to be an important factor in the decision to use QRIS. This research contributes to enriching the literature on digital payment technology adoption and provides strategic recommendations to increase QRIS adoption in Indonesia, including through increasing consumer education, building trust, and strengthening the advantages of QRIS over other alternatives.
ANALISIS FREKUENSI TRADING SAHAM GENERASI Z INDONESIA : EFEK FAKTOR BIAS PERILAKU Asri, Vito; Santi, Fitri
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.45512

Abstract

Pertumbuhan ekonomi Indonesia mendorong Generasi Z untuk semakin aktif berinvestasi saham. Namun, keterbatasan pengalaman membuat mereka rentan terhadap bias perilaku, seperti overconfidence, yang memengaruhi frekuensi trading. Penelitian ini bertujuan menganalisis pengaruh overconfidence, self-attribution bias, dan kesuksesan masa lalu terhadap frekuensi trading saham. Metode kuantitatif digunakan dengan data primer dari 200 responden yang diperoleh melalui purposive sampling dan kuesioner daring. Analisis dilakukan menggunakan regresi Partial Least Squares (PLS) dengan bantuan perangkat lunak SmartPLS 4.0. Hasil penelitian menunjukkan bahwa overconfidence dan kesuksesan masa lalu berpengaruh signifikan terhadap frekuensi trading. Sementara itu, self-attribution bias dan kesuksesan masa lalu memengaruhi frekuensi trading secara tidak langsung melalui overconfidence sebagai variabel mediasi. Temuan ini memberikan kontribusi penting bagi pemahaman perilaku investasi generasi muda serta menjadi dasar pengembangan strategi edukasi keuangan yang lebih adaptif .Kata Kunci: investasi, bias perilaku, overconfidence, atribusi diri, kesuksesan masa lalu
Financial Well-Being: Indications on Buy Now Pay Later Users in Indonesia Intantri, Cella Nur; Santi, Fitri
Jurnal Doktor Manajemen (JDM) Vol 8, No 2 (2025): SEPTEMBER 2025
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jdm.v8i2.34205

Abstract

Buy Now Pay Later (BNPL) is a payment method that allows consumers to purchase goods and pay for them later within a specified period. This study aims to explore the influence of financial knowledge, financial behavior, and self-control on the financial well-being of BNPL users in Indonesia, where the service is becoming increasingly popular, particularly among the younger generation. The research sample focuses on Millennials and Gen Z in Indonesia who have used BNPL services in the past six months. The analytical tool used is Partial Least Squares-Structural Equation Modeling (PLS-SEM) based on SmartPLS. The results indicate that while financial knowledge is only meaningful when mediated by financial behaviour, financial behaviour and self-control have a beneficial impact on financial well-being. These findings highlight the importance of financial education and the role of BNPL providers in offering features such as payment reminders and credit limits to support users' financial well-being.
Co-Authors Abdilah, Willy Ahmad Ibrahim Apriyani, Neni Ardhika, Ryan Aryoso, Herlan Asri, Vito Chairil Afandy Darus Altin Dewi Rahmayanti Divianto Divianto Fajar Restuhadi Intantri, Cella Nur Kamaludin Kamaludin Marini . Muhammad Qomaruddin Ridwan Muhartini Salim Oktaviani, Nadila Tri Rahmayanti , Dewi Robinson , Robinson Saiful Saiful Setiorini, Hesti Solly Aryza Susanti, Melly Tamsi, Fenni Lestari Vilapike , Uthari Wan Mohd Nazdrol Wijaya, Galuh Ayu Zoraya, Intan