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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.
EXPLORING GEN Z'S INTEREST IN START-UPS: THE ROLE OF EMPLOYER BRANDING AND CORPORATE REPUTATION, WITH INNOVATIVE WORK BEHAVIOR AS A MODERATOR Wahyuni Febriana; Poppy Alvianolita Sanistasya; Rosyid Nurrohman; Ummi Nadroh
BEMJ : Business, Entrepreneurship, and Management Journal Vol. 4 No. 1 (2025)
Publisher : Universitas Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36563/bemj.v4i1.1742

Abstract

This study aims to identify the job preferences of Generation Z in Samarinda and the factors that influence their interest in working for start-up companies. The research focuses on analyzing the influence of employer branding and corporate reputation on intention to apply, with innovative work behavior considered as a moderating variable. A quantitative approach was employed, using a questionnaire distributed to 105 Gen Z respondents in Samarinda. The results indicate that both employer branding and corporate reputation have a positive and significant effect on intention to apply. However, innovative work behavior does not moderate the relationship between employer branding and intention to apply. These findings highlight that a company's image and reputation play a crucial role in attracting Generation Z to job opportunities, particularly in the start-up sector. Therefore, companies are encouraged to develop appropriate strategies by understanding the work preferences of Generation Z, who are expected to dominate the labor market in the near future.
DETERMINAN’S OF PURCHASING INTENTION IN TIKTOK SHOP E-COMMERCE: THE ROLE OF DIGITAL MARKETING AND FINANCIAL LITERACY IN SAMARINDA Tiara Almira Pratiwi; Poppy Alvianolita Sanistasya; Mukhibatul Hikmah; Ummi Nadroh
BEMJ : Business, Entrepreneurship, and Management Journal Vol. 4 No. 1 (2025)
Publisher : Universitas Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36563/bemj.v4i1.1744

Abstract

This study investigates the influence of Affiliate Marketing, Financial Literacy, and Online Customer Ratings on consumers’ Purchase Intention within the TikTok Shop e- commerce platform in Samarinda, Indonesia. Amidst the rapid growth of online shopping behavior through social media, TikTok Shop has emerged as a prominent platform, particularly among younger demographics. Employing a quantitative research approach, data were collected from 100 active TikTok Shop users via an online questionnaire. The analysis was conducted using SPSS version 22 and applied multiple linear regression techniques. The findings reveal that, individually, both Affiliate Marketing and Online Customer Ratings exert a positive and statistically significant impact on consumers’ Purchase Intention. Conversely, Financial Literacy does not exhibit a significant partial effect. However, when analyzed simultaneously, all three variables Affiliate Marketing, Financial Literacy, and Online Customer Ratings demonstrate a significant collective influence on Purchase Intention. These results underscore the strategic importance of digital marketing content and credible customer feedback in enhancing consumer engagement and purchase decision-making on social commerce platforms like TikTok Shop. This research contributes to the growing literature on digital consumer behavior and offers practical insights for e-commerce practitioners aiming to optimize affiliate-based marketing strategies and manage user-generated reviews effectively to align with evolving consumer expectations.
PENGGUNAAN QRIS GUNA MEMPERMUDAH PEMBAYARAN PADA PASAR TRADISIONAL DI BALIKPAPAN Amelia Putri, Tania; Anwar, Khairil; Alvianolita Sanistasya, Poppy
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 3 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i3.1022-1028

Abstract

Penelitian ini bertujuan untuk menilai bagaimana penggunaan QRIS mempengaruhi efisiensi teraksaksi di pasar tradisional Kota Balikpapan. Penelitian ini menyelidiki bagaimana QRIS meningkatkan efektivitas pembayaran retribusi dan transaksi di kios pasar dengan menggunakan metodologi kualitatif deskriptif. Temuan penelitian menunjukkan bahwa penggunaan QRIS meningkatkan keamanan transaksi, mengefisienkan proses pembayaran, dan memberikan pengalaman berbelanja yang lebih nyaman. Penelitian ini menyoroti betapa pentingnya bagi pedagang untuk menerima Pendidikan teknis guna mengoptimalkan keuntungan daris sistem pembayaran digital ini.
DAMPAK E-COMMERCE TERHADAP TINGKAT PENJUALAN DI PASAR KLANDASAN II KOTA BALIKPAPAN Rimang, Gilberto; Anwar, Khairil; Alvianolita Sanistasya, Poppy
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 3 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i3.1002-1011

Abstract

Penelitian ini mengeksplorasi dampak perkembangan perdagangan elektronik terhadap penjualan di Pasar Klandasan II, Kota Balikpapan. Dengan pendekatan deskriptif kualitatif, penelitian ini mengumpulkan data primer melalui wawancara dengan pedagang dan pengelola pasar serta data sekunder dari literatur terkait. Temuan menunjukkan bahwa penetrasi e-commerce  mengurangi minat konsumen untuk berbelanja di pasar tradisional, berdampak negatif pada pendapatan pedagang. Hasil ini menekankan perlunya inovasi strategi pemasaran digital agar pasar tradisional dapat bersaing di era modern. Pasar tradisional mulai kehilangan daya tarik bagi pelanggan akibat turunnya nilai atau harga pada platform e-commerce. Internet banyak digunakan untuk memperluas peluang komersial, terutama bagi perusahaan daring. Pasar tradisional tidak dapat lagi bersaing dengan pendapatan yang dihasilkan oleh perusahaan daring.
STRATEGI MANAJEMEN DAN INOVASI TATA KELOLA ASET MELALUI LITERASI KEUANGAN DIGITAL UMKM DI KECAMATAN MUARA JAWA KUTAI KARTANEGARA Alvianolita Sanistasya, Poppy; Wediawati, Tuti; Althalets, Faries; Hikmah, Mukhibatul; Marlina, Marlina; Andrean, Andrean; Hamzi Safaruddin, Awal; Mustika Ratna, Nur
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 3 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i3.1036-1046

Abstract

Strategi manajemen aset menjadi landasan yang penting bagi keberhasilan dan keberlanjutan UMKM dalam menjalankan kegiatan usahanya. UMKM mampu mengoptimaslisasi pemanfaatan sumberdaya yang dapat meningkatkan produktivitas dan efisiensi dalam operasional usaha. Inovasi dalam tata kelola aset melibatkan penerapan teknologi dan praktik terbaru untuk meningkatkan efisiensi, transparansi, dan keberlanjutan dalam pengelolaan aset. Penerapan teknologi digital untuk pemantauan dan pemeliharaan aset dimana penggunaan sistem manajemen keuangan mampu terintegrasi dengan pengelolaan aset. Literasi keuangan digital membantu anggota UMKM memahami dan menggunakan teknologi keuangan secara efektif dalam pengeloaan aset dan operasional bisnis. Termasuk pemahaman tentang aplikasi perangkat lunak keuangan, e-commerce, pembayaran digital dan analisis data keuangan.  UMKM mampu menciptakan lingkungan yang mendukung pengelolaan aset yang efektif, inovasi dalam tata kelola set, dan pemanfaatan teknologi keuangan digital. Hal ini dapat meningkatkan kinerja keuangan, efisiensi operasional, dan pertumbuhan bisnis yang berkelanjutan bagi UMKM dan komunitasnya secara keseluruhan.
PASAR INPRES KEBUN SAYUR SEBAGAI PUSAT OLEH-OLEH TERKENAL DI KOTA BALIKPAPAN Agustina, Vivi; Anwar, Khairil; Alvianolita Sanistasya, Poppy
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 3 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i3.1012-1021

Abstract

Balikpapan merupakan kota di wilayah Kalimantan timur dan memiliki potensi wisata yang menarik. Pariwisata Kota Balikpapan terus berkembang pesat, dan pasar tradisional ini banyak menarik wisatawan yang mencari oleh-oleh khas Kalimantan. Daya tarik utama pasar ini adalah terletak pada nama pasar-nya. Pasar ini bernama kebun sayur tetapi di dalam pasar tidak menjual sayur melainkan menjual souvenir yang dijadikan oleh-oleh khas dari Kalimantan. Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis daya tarik serta potensi Pasar Inpres Kebun Sayur sebagai salah satu daya tarik destinasi wisata belanja di Kota Balikpapan. Penelitian ini menggunakan metode deskriptif kualitatif melalui wawancara, observasi, dan dokumentasi, penelitian ini mengidentifikasi potensi pasar dalam meningkatkan pariwisata belanja lokal. Temuan menunjukkan bahwa keberagaman produk lokal, seperti kerajinan tangan dan batu akik, menjadikan pasar ini destinasi belanja yang menarik bagi wisatawan.
OPTIMALISASI FACEBOOK ADS UNTUK MENINGKATKAN EFEKTIVITAS DIGITAL MARKETING PADA UMKM Nurrohman, Rosyid; Sanistasya, Poppy Alvianolita; Herdianto, Bayu Putra; Tuzzahrah, Fatimah; Masluchah, Lisa Febrianti; Mahmudah, Zahra Aulia
An-Nizam Vol 4 No 2 (2025): An Nizam: Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/an-nizam.v4i2.11456

Abstract

The main challenge in developing Micro, Small, and Medium Enterprises (MSMEs) in the digital era is low digital literacy and limited use of promotional platforms such as Facebook Ads. This community service activity aims to enhance MSME actors’ capacity to optimize Facebook Ads as an effective and affordable digital marketing tool. The implementation method involves practical training and interactive workshops engaging 10 MSME participants in Samarinda, with direct guidance from university students. Evaluation was conducted using pretest and posttest assessments. The results show that participants’ average understanding scores increased from 8.1 to 14, indicating a 73% improvement, which reflects significant enhancement in digital marketing hard skills. Moreover, participants successfully created business accounts, designed ad campaigns, and interpreted ad performance independently. The program also positively influenced participants’ self-confidence and readiness to promote their products digitally. These findings suggest that targeted digital marketing training can significantly empower MSME actors in the adoption of online promotional strategies, fostering more competitive and digitally savvy business practices.
UMKM Menuju Digital Dalam Efisiensi Sistem Pemesanan Menggunakan Aplikasi "Whatsform" Wulan Mahriani, Moni; Alvianolita Sanistasya, Poppy; Zaini, Muhammad; Hijrah, Lailatul
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 2 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v5i2.3251

Abstract

Sebagai sentral penyedia lapangan kerja dengan daya serap tenaga kerja mencapai 97% dari keseluuhan tenaga kerja di Indonesia, Usaha Mikro, Kecil dan Menengah (UMKM) perlu beradaptasi dengan pesatnya kemajuan teknologi dengan beralih dari proses bisnis konvensional ke digital agar dapat bersaing dan tetap eksis. Namun, kebanyakan pelaku UMKM masih enggan untuk menerapkan digitalisasi dalam kegiatan bisnisnya karena persepsi bahwa produk digital rumit sehingga sulit untuk diterapkan oleh orang awam. Hal ini menandakan rendahnya tingkat literasi digital yang dimiliki pelaku UMKM. Di Samarinda beberapa pelaku UMKM telah menerapkan digitalisasi dalam kegiatan pemasarannya, tetapi dalam proses bisnis lainnya masih menerapkan cara konvensional yang sebenarnya memakan waktu lebih lama. Berdasarkan hal tersebut, diselenggarakan kegiatan sosialisasi dan pendampingan mengenai pembuatan form order online melalui Whatsform untuk menyederhanakan proses pemesanan. Kegiatan dilaksanakan secara online pada 27 April 2024 dan dihadiri oleh 135 peserta yang merupakan gabungan dari mahasiswa dan pelaku UMKM. Melalui kegiatan tersebut, tingkat literasi digital pelaku UMKM meningkat dan telah berhasil mengaplikasikan form pemesanan online pada kegiatan bisnisnya. Dengan menerapkan system tersebut, pelaku UMKM tidak perlu mempersiapkan format pemesanan yang perlu dikirimkan satu persatu kepada pembelinya. Tidak hanya itu, dengan penerapan form pemesanan online ini limbah kertas yang dihasilkan dalam kegiatan pemesanan dapat berkurang.
Co-Authors A’enaya Qalbi, Nurul Adinda Dyah Pitaloka Adzhani, Nazula Agustina, Vivi Agustinus Patabang Aini Pitaloka Alfiana Damayanti Althalets, Fareis Althalets, Faries Amelia Putri, Tania Andrean, Andrean Andriana, Ana Noor Anistia, Sarah Annisa, Sherluna Aransyah, Muhammad Fikry Arniandis, Kayla Farya Arsyad, Annisa Wahyuni Ayu Shei Putri Damayanti, Alfiana Dhea Aulia Dinda Noer Pratiwi Dion Saputra Dwivayani, Kadek Dristiana Eko Doni Wardana Fadliansyah, Fadliansyah Farya Arniandis, Kayla Finnah Fourqoniah Frans, Yudith Alexanderina Gloria Jelita Gloria Jelita Hakim, Ahmad Firman Hakim, Rahman Usnul Hamzi Safaruddin, Awal Herdianto, Bayu Putra Herliah, Endang Hetami, Adietya Arie Hijrah, Lailatul Hikmah, Mukhibatul Ichwana, Salsabela Oktanur Iing Geovani Carolin Jandrino Two Putra Jelita, Gloria Jerli, Frederik Dafoster Jidan Ramadhan Hadi Kartika Kartika Khairil Anwar Khairil Anwar Kusdi Raharjo Lailatul Hijrah Latifah E., Nur Nova Laura Viviana Ardiansyah Iryanto Leviani, Fanny Lis Karlina Lisbet Situmorang Lukman, Ismail Mahmudah, Zahra Aulia Marlina Marlina Masluchah, Lisa Febrianti Mohammad Iqbal Mubarak, Ahmad Ridha Muhammad Fadil Hariyanto Muhammad Fadil Hariyanto Muhammad Jamal Muhammad Zaini Muhammad Zaini Mukhibatul Hikmah Mustika Ratna, Nur Nabila Alya Nurcahyati, Maysalwa Nadroh, Ummi Noer Pratiwi, Dinda Nur Khasana 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 Setya Fachtia Rusman Z.A RUSMAN AK Sherluna Annisa Sherluna Annisa Sutopo, Tulus Suwondo, Nurlaily Tiara Almira Pratiwi Tuzzahrah, Fatimah Two Putra, Jandrino Ummi Nadroh Wahyuni Febriana Wediawati, Tuti Wira bharata Wulan Mahriani, Moni Yesy Aningrum