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All Journal Al-Kharaj: Journal of Islamic Economic and Business Synergy and Society Service
IA Cynthia Saisaria Mandasari
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Humanities Economics, Econometrics & Finance Social Sciences

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MEMBANGUN KEBERLANJUTAN USAHA BERBASIS ECO FRIENDLY PADA USAHA COCOLOCO BALI, DESA AYUNAN, KABUPATEN BADUNG Lestari, Ni Luh Putu Ratna Wahyu; IA Cynthia Saisaria Mandasari; I Gusti Ngurah Sugiana
Synergy and Society Service Vol. 4 No. 2 (2024): Synergy and Society Service
Publisher : Universitas Triatma Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51713/save.v4i2.91

Abstract

CocoLoco Bali under the auspices of CV. Puspa Bawartha, located in Ayunan Village, Banjar, Central Badung, is a business engaged in the field of young coconut suppliers in attractive packaging and ready to consume, which will later be distributed directly to consumers who order. Mr. Biki's business is an eco-friendly product business, where this business produces environmentally friendly products and has minimal impact on the environment. This eco-friendly product business has very good prospects, considering that Bali is a tourism area. The number of investors who build hotels, restaurants, and beach clubs is a great opportunity for CocoLoco to increase sales. However, increasing sales will certainly affect the increase in waste generated from peeling coconuts. The next problem is related to employee health and safety (K3). In the production process, employees will use very sharp machines to peel coconuts, as well as very hot tools for the labeling process. The Community Partnership Empowerment Program (PKM) implemented at CV. Puspa Bawartha "CocoLoco Bali" has provided various positive impacts both from a social and economic perspective.
The Effect of Fintech Use on Personal Financial Management With Trust as a Mediating Variable in Generation Z Ida Bagus Gde Indra Wedhana Purba; IA Cynthia Saisaria Mandasari; Ade Ruly Sumiartini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8390

Abstract

This study aims to analyze the influence of fintech use on personal financial management among Generation Z, with trust as a mediating variable. Data were collected through a survey of Generation Z users who actively use fintech services and analyzed using statistical regression and mediation analysis methods. The results indicate that fintech use has a positive and significant influence on personal financial management among Generation Z. Furthermore, trust acts as a partial mediator that strengthens this relationship. These findings indicate that user trust in fintech is crucial for improving the effectiveness of personal financial management. The practical implications of this study include the need to develop secure, transparent, and user-friendly fintech features, as well as improving digital financial literacy among Generation Z. Theoretically, this study strengthens the framework of the Technology Acceptance Model and the Unified Theory of Acceptance and Use of Technology by emphasizing the role of trust in financial technology adoption. This study opens up opportunities for further research to explore the factors influencing the effectiveness of fintech in the financial management of the younger generation.
Co-Authors Ade Ruly Sumiartini I Gusti Ngurah Sugiana Ida Bagus Gde Indra Wedhana Purba Ni Luh Putu Ratna Wahyu Lestari