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All Journal Jurnal Manajemen Teknologi WARTA Jurnal Pengabdian Pada Masyarakat JMM (Jurnal Masyarakat Mandiri) Jurnal Perilaku dan Strategi Bisnis Jurnal Dharma Bhakti Ekuitas Jurnal Abdimas Indonesia Banking & Management Review
Mirza Hedismarlina Yuneline
Sekolah Tinggi Ilmu Ekonomi Ekuitas
Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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THE EFFECT OF ELECTRONIC WALLETS (E-WALLET) AND DEBIT CARDS USAGE ON COLLEGE STUDENTS' CONSUMPTION IN SUKABUMI DURING COVID 19 PANDEMIC Insani, Rahma Arifa; Yuneline, Mirza Hedismarlina
Jurnal Perilaku dan Strategi Bisnis Vol. 11 No. 1 (2023): Februari
Publisher : Universitas Mercu Buana Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26486/jpsb.v11i1.3351

Abstract

This study aims to determine the effect of electronic wallets and debit cards usage on College student’s consumption Sukabumi during COVID-19 pandemic. The population in this study were active college students in Sukabumi. The data collection technique in this study was through a questionnaire distributed to students who studying in Sukabumi. The method used was descriptive and verification method. The data analysis was through a quantitative approach using the classical assumption test hypothesis testing design, multiple linear regression analysis, correlation coefficient analysis, coefficient of determination analysis, T test and F test. The results of this study indicate that the use of electronic wallets (e-wallet) and debit cards have a significant effect on college student consumption in Sukabumi during the COVID-19 pandemic. The use of e-wallet has significant increase due to ease of use and the use of debit cards also have significant increase due to perceived of health. The future research on other indicators on adoption models of e-wallet and debit cards will be needed to enrich the current research.
The Role of Digital Payment, Peer-to-Peer Lending, and Digital Financial Literacy in Fostering Gen Z’s Micro Small Medium Enterprises Sustainability Yuneline, Mirza Hedismarlina; Karina, Fanny
Jurnal Manajemen Teknologi Vol. 24 No. 3 (2025)
Publisher : Unit Research and Knowledge, School of Business and Management, Institut Teknologi Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12695/jmt.2025.24.3.2

Abstract

Abstract. This study investigates the influence of Digital Financial Literacy (DFL), Digital Payment adoption, and Peer-to-Peer (P2P) Lending adoption on the Sustainability of Gen Z Micro, Small, and Medium Enterprises (MSMEs) in Bandung, Indonesia. This study is motivated by the paradox that while the national financial inclusion index exceeded the government target of 75 percent, whereas financial literacy lagged at 38 percent in 2019. This gap highlights a crucial constraint on the effective utilization of emerging FinTech by entrepreneurs. Utilizing a quantitative descriptive approach, data were collected through a questionnaire administered to 100 Gen Z entrepreneurs in Bandung, with analyses conducted using SEM-PLS. Results indicate that Gen Z respondents are on average well-literate in digital finance. Digital financial literacy and payment gateway adoption significantly effect MSME sustainability, whereas P2P lending adoption has no significant effect. Theses findings suggest that strengthening Gen Z’s financial skills and payment technologies is crucial for MSME sustainability, while trust and risk issues may limit P2P lending’s role. We recommend targeted financial education and supportive fintech policies to empower young entrepreneurs Keywords: Digital financial literacy, payment gateway, P2P Lending, MSMEs, Sustainability, Gen Z
Co-Authors Achmad Herlanto Anggono Dito Rinaldo, Dito Hidayati, Dewi Fortuna Iim Hilman Insani, Rahma Arifa Islami, Casni Fitria Ivan Diryana Karina, Fanny Rici Solihin Sari, Puteri Andika Suryana, Muhammad Alif Rusdi Zenio, Natasya Syahrany