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Ira Wikartika, Ira

Universitas Pembangunan Nasional Veteran Jawa Timur

Author-ID : 488139

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Pengaruh Literasi Keuangan, Gaya Hidup dan Pengendalian Diri Terhadap Perilaku Keuangan Generasi Z Nilamsari, Belgis; Wikartika, Ira
Journal of Business and Economics Research (JBE) Vol 6 No 2 (2025): June 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v6i2.7559

In this era of globalization, the rapid advancement of technology has had a significant impact on human life. Several factors can influence financial behavior, including financial literacy, lifestyle, and self-control. This study aims to examine the influence of financial literacy, lifestyle, and self-control on the financial behavior of Generation Z in the city of Surabaya. The study population consists of Generation Z individuals residing in Surabaya. A quantitative research method was employed, utilizing primary data collected through questionnaires distributed to Generation Z in Surabaya. The sampling method used was probability sampling with a random sampling technique. Slovin’s formula was applied to determine the sample size, resulting in 100 respondents. The data analysis technique used was SEM-PLS (Partial Least Squares). The results show that financial literacy, lifestyle, and self-control significantly influence the financial behavior of Generation Z in Surabaya, with each variable having a P-value less than α = 0.05, indicating statistical significance. Based on the SEM-PLS analysis, it can be concluded that financial literacy plays an essential role for Generation Z as a fundamental need in effective financial planning. A lifestyle that prioritizes needs over mere wants contributes to healthier financial behavior, and self-control has a strong impact on financial behavior, particularly in financial decision-making.

Online Loan Usage Decisions Among Gen Z in Surabaya: The Roles of OJK Regulation, Locus of Control, Perceived Convenience, and Lifestyle Angelita, Debry Octavia; Wikartika, Ira
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2556

The rapid increase in the use of online lending services among Generation Z Surabaya indicates a socio-economic phenomenon that is important to analyze further. This study aims to examine the effect of understanding OJK regulations, locus of control, perceived ease of use, and lifestyle on the decision to use online loans by Generation Z in Surabaya. The approach used is a quantitative approach with data processing methods using a relationship model between variables. A total of 100 respondents were selected through purposive sampling technique and data collection was conducted through an online questionnaire with a certain rating scale. The results showed that understanding of OJK regulations and locus of control did not play a role in decision making to use online loans. In contrast, perceived ease of use and lifestyle influence the decision. The findings provide important insights for policy makers, fintech service providers, and the general public in encouraging wiser and more responsible use of online loans.

Strategi Efektivitas EATS dan CURE MEDIA pada Hotel Gunawangsa MERR Surabaya Amanda, Farah Wahyuningtyas; Wikartika, Ira
Jurnal Abdimas Berdaya : Jurnal Pembelajaran, Pemberdayaan dan Pengabdian Masyarakat Vol 8, No 2 (2025): Jurnal Abdimas Berdaya
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jab.v8i2.1114

Perkembangan di bidang teknologi digital telah menggerakkan sektor perhotelan untuk melakukan perubahan pada strategi pemasaran mereka, termasuk Hotel Gunawangsa MERR yang berada di Surabaya. Dalam menghadapi persaingan yang semakin ketat dan keperluan promosi yang lebih efektif, hotel ini telah mengimplementasikan strategi pemasaran digital dengan memanfaatkan Cure Media sebagai sarana penyampaian informasi. Tujuan penelitian ini adalah untuk mengevaluasi mengenai seberapa efektif pemasaran yang dilakukan dengan penggunaan Cure Media jika dibandingkan dengan pemasaran konvensional, dengan menerapkan analisis SWOT dan perbandingan strategi berdasarkan elemen bauran pemasaran 4P (Product, Price, Place, Promotion). Hotel Gunawangsa MERR Surabaya menerapkan pemasaran digital dengan menggunakan Cure Media sebagai alat broadcast untuk meningkatkan efektivitas promosi. Penelitian ini bertujuan untuk membandingkan efektivitas pemasaran digital dengan pemasaran konvensional melalui analisis SWOT dan pendekatan bauran pemasaran 4P (Product, Price, Place, Promotion). Metode yang digunakan adalah mixed methods dengan data diperoleh dari observasi, wawancara, dan dokumen internal hotel selama periode akhir 2022 hingga kuartal ketiga 2023. Hasil menunjukkan pemasaran digital lebih efisien dan efektif, dengan peningkatan pemesanan dari 890 menjadi 1.065 kamar, penghematan biaya promosi sebesar 32%, serta peningkatan engagement pelanggan dua kali lipat. Analisis SWOT memperkuat temuan bahwa strategi digital memiliki kekuatan dalam hal biaya, jangkauan, dan segmentasi, meskipun tetap menghadapi tantangan dari sisi keamanan data dan intensitas persaingan. Strategi bauran pemasaran 4P juga menunjukkan keunggulan pemasaran digital dalam fleksibilitas harga, distribusi cepat, dan promosi personal.

Analysis of the Consumptive Behavior of Generation Z in Surabaya Moderated by Self Control Rachmasari, Shanti Septiana; Wikartika, Ira
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2557

This study aims to examine the effect of a cashless society, social environment, and cognitive dissonance on the consumptive behavior of Generation Z in Surabaya, with self-control as a moderating variable. A quantitative method is employed in this study, involving 100 respondents as the sample. The analytical method applied is PLS-SEM, facilitated by the SmartPLS 4.0 software. The findings indicate that the cashless society, social environment, and cognitive dissonance have an impact on consumptive behavior. Self-control is found to moderate the relationship between the cashless society and cognitive dissonance with the consumptive behavior of Generation Z in Surabaya. However, self control cannot moderate the influence of the social environment on the consumptive behavior of generation Z in Surabaya. These results show that cognitive dissonance experienced by a person can strengthen consumptive behavior as a form of coping mechanism to reduce perceived discomfort. In addition, the results also reveal that the social environment is a dominant factor in encouraging the consumptive behavior of generation Z in Surabaya, even individuals with self control.

The Effect of Financial Ratio on Company Value With Dividend Policy as a Moderation on the IDX30 Index Subhanulfikri, Faiz; Wikartika, Ira
East Asian Journal of Multidisciplinary Research Vol. 3 No. 10 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v3i10.11154

Company worth is extremely essential since it demonstrates the business's overall accomplishment. The concept of signaling describes how firms feel compelled for communicate monetary report statistics regarding outside stakeholders to avoid information asymmetry. That investigation's audience consists of 49 firms included in the IDX30 index from 2020 to 2023. The sample for this research consisted of 16 issuers who had been selected using a purposive sampling technique, then multiplied by 4 according to the research period so that there were 64 samples. The moderated regression analysis (MRA) method is utilized to examine information using tools such as the SPSS application. The analysis results prove profitability has a destructive contribution to company value, liquidity has little impact on firm value, and solvency has a contribution to company value. Apart from that, dividend policy can limit the impact of profitability on company value; however, this can't reduce its effect of liquidity and solvency on the worth of the company.

Pendampingan Pendaftaran Nomor Induk Berusaha (NIB) pada UMKM Brownis D’Morena Kelurahan Gununganyar Bayu, M Rizky Bayu Pratama; Wikartika, Ira
Abimanyu : Jornal of Community Engagement Vol 5 No 1 (2024): February 2024
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/abi.v5n1.p18-25

Micro, small and medium enterprises or MSMEs are a category of businesses that cover a small to medium scale in terms of production, turnover or labor. MSMEs are the backbone that supports the development of the country's economy. MSMEs are one of the factors that generate the economy by providing their own jobs, so that they can reduce unemployment and poverty in Indonesia. However, one of the factors that must be considered when establishing a business is business legality, MSME actors must be officially registered with the government and have a business license, the type of business legality that must at least be owned is a Business Identification Number certificate, NIB registration itself can be done through the Online Single website. By having a Business Identification Number Certificate, the business has been officially registered with the government. The benefits of having a Business Identification Number are obtaining legal protection and facilitating access to finance because many financial institutions make NIB a requirement for applying for capital loans. Therefore, UPN veteran East Java students who take part in the Bina Desa program in Gununganyar Village, Surabaya have the initiative to provide assistance and socialization to MSMEs in Gununganyar Village, one of which is the D'morena Brownies business to obtain an NIB certificate with the aim of improving the welfare of MSMEs.

Efektivitas Transformasi Pelayanan: Meningkatkan Kesadaran dan Tertib Administrasi Kependudukan di Kelurahan Wonorejo, Rungkut Wardhani, Amelia Ayu; Wikartika, Ira
Journal Of Human And Education (JAHE) Vol. 4 No. 1 (2024): Journal Of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v4i1.642

Kesadaran dan tertib administrasi kependudukan di Kelurahan Wonorejo Rungkut masih tergolong rendah. Dilihat dari beberapa masyarakatnya yang masih gaptek (gagap teknlogi) khususnya para lansia. Untuk merespon hal tersebut maka peneliti melakukan penelitian ini dengan tujuan agar bisa menjembatani masyarakat di Kelurahan Wonorejo Rungkut. KALIMASADA sebagai salah satu upaya dalam mengatasi administrasi kependudukan yang belum lengkap. Hasil penelitian ini menunjukan adanya peningkatkan pemahaman warga terhadap pentingnya dokumen kependudukan dan adanya inovasi yang ada di Kota Surabaya. Sebagai hasil, Dinas Kependudukan dan Pencatatan Sipil Kota Surabaya berhasil menciptakan transformasi signifikan dalam layanan administrasi kependudukan, menjadikan prosesnya lebih efisien, mudah diakses, dan terintegrasi dengan teknologi.

Branding dan Pemasaran pada UMKM Dapur Sego Pelangan di Kelurahan Bendogerit Mardhiyyah, Febriyanti; Wikartika, Ira
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 4 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

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Kelurahan Bendogerit merupakan kelurahan yang sangat mendukung para pelaku UMKM di daerahnya untuk semakin maju menjadi kreatif dan inovatif. Dalam perkembangan UMKM di Kelurahan Bendogerit mengalami kendala dalam branding dan pemasaran produknya. Mahasiswa KKN-Tematik UPN “Veteran” Jawa Timur berupaya untuk mendesain ulang label kemasan serta membantu pembuatan media sosial guna memperluas pemasaran UMKM Dapur Sego Pelangan. Branding dan pemasaran ini bertujuan untuk membuat penjualan produk UMKM meningkat

Pembuatan Logo Guna Membangun Branding Pada UMKM Sambel Pecel Lima Dua Kelurahan Gunung Anyar Sulistyo, Yuwono; Wikartika, Ira
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar

Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran penting dalam perekonomian Indonesia, mendominasi sejumlah sektor dan memberikan kontribusi signifikan terhadap Produk Domestik Bruto (PDB). Namun, UMKM dihadapkan pada tantangan persaingan yang semakin ketat, terutama terkait kurangnya pemahaman tentang pentingnya branding dan penggunaan logo pada produk. Artikel ini menguraikan masalah-masalah tersebut dan mendemonstrasikan upaya Mahasiswa Bina Desa Kelurahan Gunung Anyar dalam membantu UMKM, khususnya UMKM Sambal Pecel "Lima Dua," untuk membangun identitas merek melalui pembuatan logo produk. Tantangan utama melibatkan minimnya identitas visual pada produk UMKM, kurangnya kesadaran akan pentingnya branding, dan ketidakoptimalan penggunaan media sosial sebagai alat pemasaran. Program pengabdian masyarakat dilaksanakan melalui tahapan persiapan, pelaksanaan, dan finishing, yang mencakup survey, konsultasi, dan desain logo menggunakan aplikasi Canva. Hasilnya menciptakan logo yang mencerminkan identitas unik UMKM Sambal Pecel "Lima Dua." Penyerahan logo secara simbolik menandai akhir program dan respons positif dari Ibu Tri, pemilik UMKM, menunjukkan potensi strategi ini dalam meningkatkan daya saing dan memperkuat identitas merek. Artikel ini diharapkan memberikan panduan dan inspirasi bagi pemilik UMKM lainnya untuk memanfaatkan strategi branding guna meningkatkan visibilitas dan keberlanjutan usaha mereka di era persaingan global.

Customer Relationship Management Membangun Engagement Konsumen PT. Naruna Karya Bersama khalid, Achmad khalid badaruddin; Wikartika, Ira
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 4 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) Edisi September - Desembe
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v5i4.3678

Manajemen hubungan pelanggan (CRM) merupakan alat penting bagi perusahaan untuk menarik perhatian pelanggan dan memenangkan pangsa pasar. Penelitian ini meninjau hubungan bisnis, komunikasi, dan pengaruh pelanggan terhadap bisnis, serta bagaimana CRM dapat membantu mencapai tujuan tersebut. Data diperoleh dari tinjauan pustaka dan jurnal referensi terkait. Penelitian ini juga mengeksplorasi konsep keterlibatan pelanggan yang baru muncul dalam literatur akademis dan diskusi akademis. Keterlibatan pelanggan, yang dipicu oleh saluran interaksi baru seperti media sosial dan internet, memungkinkan bisnis untuk berinteraksi lebih dalam dengan pelanggan. Penelitian ini menguji pengaruh keterlibatan pelanggan terhadap loyalitas merek, dimediasi oleh kepuasan pelanggan dan kepercayaan merek. Temuan penelitian ini memberikan pengetahuan berharga tentang bagaimana CRM dan keterlibatan pelanggan dapat digunakan untuk mencapai tujuan bisnis dan membangun loyalitas merek.

Co-Authors - Kustini Achmad Abdi Syarifudin Adbel Twosheila Mosa Buciarda Adjar, Dinda Dwi Puspita Afitra Azzahra Agustina Safira, Isna Aji Arroziqi, Lintang Alfarizi, Mochammad Ismail Alif Febriansyah Aliffia Putri Pradani Alvina Marcelia Alvina Marcelia Amanda, Farah Wahyuningtyas Andarini, Sonja Andre Yusuf Trisna Putra Angelita, Debry Octavia Anggara, Zakky Rudy Anggraheny Sulistyana Annisa Ayu Salsabillah Annisa’ Laras Atie Ardi Maulana Efendi Arindra Ramadhani, Aura Asia, Crysanti Chandra Aura Arindra Ramadhani Aurel Julanda Happy Pridya Ayu Rachmawati Ayundha Evanthi Azizah, Nurul Bayu, M Rizky Bayu Pratama Billah, Mu’tasim Charity Serepina Sihotang Cholishah Anas Irhamma Clarysa Galuh Fitri Dhani Ichsanuddin Nur Dhava Candra Ardiansyah Dika Prasetyo Dinda Mariana Eko Purwanto Eko Purwanto Elfina Nur Hidayati Erliyanti, Nove Kartika Estetia Adistsany Salwanisa Fadhiilah, Rofi'atul Fajar Syaiful Akbar Fani Khoirotunisa Fani Khoirotunnisa Fani Khoirotunnisa Farras Nafis Fadhila Fatikhatuinniam, Annauval Faya Pratama Kuncoro Putra Femilia, Dian Eka Ferdy Irwansyah Fionita, Rivana Amelia Firda Nur Salsabila Firdaus, Andrew Baihaqi Firmansyach Maulana Hariyono G. Oka Warmana Gagas Pandu Khrisna Heri Pratikto Herman Saputro I Bagus Rendy Brahmastra Ilham Hidayatullah Indah Juliyanti Intan Sulistyowati Irfan Wahyu Jatmiko Irmaya Octavia Elrossi Aisyah Isna Agustina Safira Jenita Nur Ahadiah Kaisya Dinsa Novfrida Karina Sanggraeini Kusuma Winata Khairunnisa Rosyadah khalid, Achmad khalid badaruddin Khoirotunnisa, Fani Kiky Asmara Kinanti, Nadya Arum Laras Atie, Annisa’ Levy Mochammad Tsaqif Lintang Aji Arroziqi M Rizky Bayu Pratama Mardhiyyah, Febriyanti Marta Amanda Panjaitan Mentari Clara Dewanti Mila Irian Diana Mila Kusuma Putri Mochammad Ismail Alfarizi Muhadjir Anwar Muhadjir Anwar Muhammad Ahmi Husein Muhammad Inam Aufiyak Muhammad Nashir Hasan Muhammad Syafiqul Hamizan Mu’tasim Billah Nadela Difia Putri Nadhiya Hana Aushafina Nafisa Dean Putri Aqila Nashir Hasan, Muhammad Niken Rahmawati Nilamsari, Belgis Norizul Inayah Nur Shadrina Prameswari Nurjanti Takarini NURUL AZIZAH Panjaitan, Gary Gilbert Goklas Phung, Cavin Kleinsteuber Prameswari, Nur Shadrina Prasetiawati, Fisca Ardi Pratama, Maulana Rifqi Putri Tasya Nabillah Rachmalia Indah Anggraini Rachmasari, Shanti Septiana Raden Roro Dwi Rizky P Rafika Sari Rahma, Aliefiya Rahman Amrullah Suwaidi Rangga Kurnia Putra Ranum Sari, Amira Rasyidah, Resa Rezhota Gemirangga Rismasari, Dini Aprilia Rizka Fatiha Zahra Rizqina, Rr. Rachmalia Nadia Ronnald Christanto Admanegara Salsabillah Akustika Salsabillah, Annisa Ayu Savira Ditya Nafitri Sibarani, Steven Arrow Rinel Siti Alya Noviani Siti Aminah Styven Arlian Valentino Subhanulfikri, Faiz Sulastri Irbayuni Sulistyo, Yuwono Syahniar, Emiliana Nisa Taufikurrahman Taufikurrahman Taufikurrahman, M.Pd Tegar Satria Adi Tegar Satria Adi Tsany, Annisa Roisita Tuhfatul Ahbab Venita Restu Al’Amin Vicky Chandra Vinka Savita Sari Vitria Dinata Laksono Wahyu Nurbayzura Wanda Prastiti Rizky Wahyudi Wardhani, Amelia Ayu Wijayanti, Nur Rohmah Yuniningsih Yuniningsih Yuwono Sulistyo Zahra Aini Nasyifa Zakky Rudy Anggara Zeinnisa Inggit Raytasyah Zumrotul Fitriyah Zumrotul Fitriyah

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