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All Journal JURNAL ECONOMIA JMM (Jurnal Masyarakat Mandiri) Martabe : Jurnal Pengabdian Kepada Masyarakat EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) PLAKAT : Jurnal Pelayanan Kepada Masyarakat Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Administrasi Bisnis FISIPOL UNMUL Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Prosiding Seminar Nasional Teknologi Industri Berkelanjutan Jurnal Bakti Bagi Bangsa Innovative: Journal Of Social Science Research Alkhidmah: Jurnal Pengabdian dan Kemitraan Masyarakat Al-Ijtimā: Jurnal Pengabdian Kepada Masyarakat Business, Entrepreneurship, and Management Journal
Poppy Alvianolita Sanistasya
Universitas Mulawarman
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Physics Public Health Social Sciences Other

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Journal : EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)

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Pengaruh Self Efficacy, Financial Literacy, dan Financial Inclusion Terhadap Fintech Payment Use Adzhani, Nazula; Sanistasya, Poppy Alvianolita
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7362

Abstract

This research investigates the use of fintech payments among Samarinda’s urban population, with the objective of evaluating how self-efficacy, financial literacy, and financial inclusion impact the use of fintech payments. The study employs a quantitative methodology, utilizing multiple linear regression analysis, and the data is processed using SPSS 30 software. Data for the research was collected through observations, documentation, literature reviews, and questionnaires distributed to 100 individuals who utilize fintech payments in Samarinda City. The study's findings revealed that self-efficacy did not significantly influence the use of fintech payments, with a significance level of 0,420 > 0,05 however, financial literacy significantly affected the use of fintech payments, with a significance level of 0,018 < 0,05. Furthermore, financial inclusion also had a significant impact on the use of fintech payments, with a significance level of 0,019 < 0,05. Additionally, when considering all three factors together self-efficacy, financial literacy, and financial inclusion they collectively demonstrated a significant effect on the use of fintech payments, represented by a significance level of 0,001 < 0,05. The outcomes of this research offer insight into the adoption of fintech payments within the Samarinda City community, highlighting the importance of enhancing self-efficacy alongside the existing levels of financial literacy and financial inclusion.
Pengaruh Flash Sale, FOMO dan Digital Financial Literacy Terhadap Impulsive Buying Sari, Fitri Raisya; Sanistasya, Poppy Alvianolita
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7363

Abstract

The rapid growth of e-commerce and social media integration has significantly transformed consumer purchasing behavior, especially among digital-native generations. Generation Z, known for their strong online presence and responsiveness to trends, is particularly vulnerable to impulsive buying triggered by online marketing strategies. This study aims to examine the influence of flash sales, Fear of Missing Out (FOMO), and digital financial literacy on impulsive buying behavior among Generation Z users of TikTok Shop X Tokopedia in Samarinda, Indonesia. The research involved 106 respondents selected through purposive sampling. Data were collected using structured questionnaires and analyzed through multiple linear regression using SPSS software. The results show that FOMO has a significant and positive effect on impulsive buying, whereas flash sales and digital financial literacy do not have significant individual effects. However, when combined, all three variables significantly influence impulsive buying, accounting for 42.2% of the behavior variance. These findings highlight the psychological and emotional factors—particularly FOMO—as more dominant drivers than promotional or financial literacy factors. The study suggests that understanding these behavioral dynamics is essential for businesses targeting young online consumers, while also underscoring the need for improved digital financial awareness among youth.
Co-Authors Adinda Dyah Pitaloka Adzhani, Nazula Agustina, Vivi Aini Pitaloka Alfiana Damayanti Althalets, Faries Amelia Putri, Tania Andrean, Andrean Andriana, Ana Noor Aransyah, Muhammad Fikry Carolin, Iing Geovani Dhea Aulia Dinda Noer Pratiwi Dion Saputra Dwivayani, Kadek Dristiana Fadliansyah, Fadliansyah Farya Arniandis, Kayla Gloria Jelita Hakim, Ahmad Firman Hakim, Rahman Usnul Hamzi Safaruddin, Awal Hariyanto, Muhammad Fadil Herdianto, Bayu Putra Herliah, Endang Hetami, Adietya Arie Hijrah, Lailatul Hikmah, Mukhibatul Iryanto, Laura Viviana Ardiansyah Jandrino Two Putra Jelita, Gloria Jidan Ramadhan Hadi Kartika Kartika Khairil Anwar Khairil Anwar Khasana, Nur Kusdi Raharjo Lis Karlina Lukman, Ismail Mahmudah, Zahra Aulia Marlina Marlina Masluchah, Lisa Febrianti Mohammad Iqbal Mubarak, Ahmad Ridha Muhammad Fadil Hariyanto Muhammad Jamal Muhammad Zaini Muhammad Zaini Mustika Ratna, Nur Nabila Alya Nurcahyati, Maysalwa Nur, Muhammad Subahan Nurlaily Suwondo Nurul A’enaya Qalbi Pavita, Farrelin Putera, Muhammad Tommy Fimi Rahayu Kinanti Rimang, Gilberto Rosyid Nurrohman Sari, Fitri Raisya Septihandini, Nur Sherluna Annisa Sherluna Annisa Situmorang, Lisbet Sutopo, Tulus Tiara Almira Pratiwi Tuzzahrah, Fatimah Ummi Nadroh Wahyuni Febriana Wardana, Eko Doni Wediawati, Tuti Wira bharata Wulan Mahriani, Moni Yesy Aningrum