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All Journal Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi Jurnal EK dan BI Journal of Applied Accounting And Business (JAAB) Jurnal Akuntansi, Bisnis dan Ekonomi Indonesia (JABEI) Jurnal Abdimas: Pengabdian dan Pengembangan Masyarakat Accounting Information System, Taxes, and Auditing Journal (AISTA) JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen Accounting Student Research Journal
Dita Maretha Rissi
Politeknik Negeri Padang
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Other

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ANALISIS PEMAHAMAN MAHASISWA TERHADAP KONSEP DASAR ASET, KEWAJIBAN, EKUITAS, DAN JURNAL DALAM MENINGKATKAN EFEKTIVITAS PRAKTIK KERJA LAPANGAN Nadhifah Yonas Ummarha; Dita Maretha Rissi; Fera Sriyunianti; Ermatati Hatta
Journal of Applied Accounting And Business Vol. 5 No. 2 (2023): JAAB - Desember 2023
Publisher : LP2M Politeknik Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37338/jaab.v5i2.250

Abstract

This research aims to understand students' comprehension of the fundamental concepts of assets, liabilities, equity, and journals in enhancing the effectiveness of Work Practice (Internship). The study employs a qualitative research approach, with the research informants being 30 students from the Accounting Department of Politeknik Negeri Padang, selected based on their GPA grouping. The research was conducted on final-year students of the Accounting Department of Politeknik Negeri Padang  for the academic year 2022/2023, namely the Diploma of Accounting and Applied Bachelor of Accounting. The research findings indicate that (1) a number of students with an accounting background have an initial advantage in comprehending basic accounting concepts. (2) several conditions related to students' understanding of the concepts of assets, liabilities, equity, and journals were identified. (3) enhancing students' comprehension and improving the effectiveness of fieldwork practices, collaborative efforts between educational institutions and relevant industry stakeholders are necessary
Pengaruh Pengetahuan, Tingkat Kepercayaan, dan Risiko Terhadap Minat Penggunaan Fintech Lending (Studi pada Pengguna Fintech Lending di Kecamatan Koto Tangah Kota Padang) Vina Febyola; Dita Maretha Rissi; Vira Maulina
Accounting Information System, Taxes and Auditing Journal (AISTA Journal) Vol. 4 No. 2 (2025): AISTA Journal
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30630/aista.v4i2.98

Abstract

The rapid growth of digital financial technology has encouraged the emergence of financial technology (Fintech) services, including Peer-to-Peer (P2P) Lending or Fintech Lending, which provides easier access to funding. However, the adoption of Fintech Lending in Indonesia, particularly in Koto Tangah District, Padang City, still faces challenges related to knowledge, trust, and risk. This study aims to analyze the influence of knowledge, level of trust, and risk on the intention to use Fintech Lending. Using a quantitative approach and survey method, data were collected from 105 MSME actors who actively use Fintech Lending services, specifically PNM Mekaar and Amartha in Koto Tangah District, Padang City, and analyzed using multiple linear regression with the assistance of SPSS. The results show that knowledge and trust have a positive and significant effect on the intention to use Fintech Lending, while risk has no significant effect. These findings indicate that better understanding and stronger trust in system security and service reputation increase users’ willingness to adopt Fintech Lending, while risk becomes less influential among users with adequate literacy. This study highlights the importance of digital education and system transparency to strengthen public trust in technology-based financial services.
Pengaruh Literasi Keuangan, Materialisme, dan Persepsi Risiko terhadap Kecenderungan Berutang pada Generasi Milenial di Kota Padang Anggun Fatresia Wardani; Eliyanora; Dita Maretha Rissi
Accounting Student Research Journal Vol 5 No 1 (2026): ASRJ - Maret 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62108/asrj.v5i1.13906

Abstract

Meningkatnya kecenderungan berutang pada generasi milenial di era digital menjadi fenomena yang perlu dikaji karena berpotensi memengaruhi stabilitas keuangan individu. Berdasarkan Theory of Planned Behavior, perilaku berutang ditentukan oleh aspek kognitif dan psikologis yang membentuk niat serta keputusan keuangan individu. Studi ini menggunakan pendekatan kuantitatif melalui metode survei dengan melibatkan 189 responden yang dipilih berdasarkan teknik purposive sampling, yaitu individu kelahiran 1981–1996 (sekitar usia 29–44 tahun pada saat penelitian) yang berdomisili di Kota Padang dan pernah atau sedang memiliki pinjaman atau utang. Penelitian ini dianalisis dengan pendekatan SEM-PLS menggunakan aplikasi SmartPLS 4.0. Temuan penelitian menunjukkan bahwa literasi keuangan tidak memiliki pengaruh yang signifikan terhadap kecenderungan berutang, sementara materialisme terbukti berpengaruh positif dan signifikan. Variabel persepsi risiko tidak dapat dilanjutkan ke tahap analisis berikutnya karena belum memenuhi kriteria validitas konvergen. Temuan ini menyimpulkan bahwa kecenderungan berutang generasi milenial lebih dipengaruhi oleh orientasi nilai materialistik dibandingkan tingkat literasi keuangan, sehingga upaya pengendalian perilaku berutang perlu menekankan pembentukan nilai dan pengendalian konsumsi selain peningkatan pengetahuan keuangan.
Co-Authors Ade Yunanda Putra Afridian Wirahadi Ahmad Anggun Fatresia Wardani Dedy Djefris Elfitri Santi Eliyanora Eliyanora Elsa Rusdina Endrawati Ermatati Hatta Ermataty Hatta Fadhilah Al Usna Fera Sriyunianti Hana Dwi Fani Ariska Lamesya Fazilah Mardiatul Ramadhani Mustika, Rasyidah Nadhifah Yonas Ummarha Syafira Ramadhea Jr Vina Febyola Vira Maulina