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All Journal Jurnal Akuntansi Profesi IQTISHODUNA EL-MUHASABA El Dinar Jurnal Akuntansi dan Perpajakan Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi Akuisisi : Jurnal Akuntansi Jurnal Manajemen dan Kewirausahaan (JMDK) Gorontalo Accounting Journal JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI) Jurnal Proaksi Journal of Enterprise and Development (JED) Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang Formosa Journal of Sustainable Research (FJSR) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Akuntansi Manado (JAIM) JIMEKA Jurnal Ecogen
Ditya Permatasari
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Determinants of Financial Management Behavior among Young Millennial Entrepreneurs Ditya Permatasari; Nawirah Nawirah; Farahiyah Sartika
Jurnal Manajemen dan Kewirausahaan Vol. 12 No. 2 (2024): December (2024)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v12i2.13187

Abstract

Effective financial management behavior can improve a person's financial well-being, while failure to manage personal finances can have long-term impacts. This research aims to examine the factors that influence Financial Management Behavior in young enterpreneurs. The research method used in this research is quantitative. The total number of respondents was 100 millennial entrepreneurs who are members of the Indonesian Young Entrepreneurs Association (HIPMI) in East Java Province spread across several cities. The sampling technique used was a purposive sampling technique with a data collection method in the form of a questionnaire. The research results show that Financial Literacy, Hedonism Lifestyle, Financial Attitude, and Self Control influence Financial Management Behavior while Income does not influence Financial Management Behavior. The novelty in this research is adding the influence of a lifestyle of hedonism and self-control in the context of millennial entrepreneurs, a group that is rarely the main focus in financial management studies in Indonesia. The results of this research provide practical implications for organizations such as HIPMI to develop financial education programs that not only increase financial literacy but also emphasize the importance of self-control and lifestyle management. In addition, this research can be a basis for the government to design policies that support the financial well-being of young entrepreneurs.
Investigating E-Wallet Adoption Among Gen Z Students: Determinants of Behavioral Intention and Actual Use Salma, Siti Nikhlatus; Permatasari, Ditya
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.13106

Abstract

Purpose: The primary objective of this study is to examine the determinants influencing individuals’ intentions to adopt digital financial technology, specifically within the context of e-wallet systems.Method: This research employs a quantitative approach, utilizing the Structural Equation Modeling (SEM) framework. A purposive sampling technique was applied to select 216 Generation Z students residing in Malang City as the representative sample.Result: The findings indicate that the behavioral intention to use e-wallets among Generation Z students is significantly shaped by four key factors: perceived usefulness, perceived ease of use, perceived trust, and perceived security. These factors exhibit a synergistic effect in shaping individuals' decisions to adopt e-wallets as digital transaction tools. Furthermore, these factors substantially influence the actual use of e-wallet systems, reflecting the extent to which this technology has been accepted and integrated into the daily lives of Generation Z students.Practical Implications for Economic Growth and Development: This study contributes to economic growth by promoting financial inclusion, enhancing transaction efficiency, and supporting the digitalization of micro, small, and medium-sized enterprises (MSMEs) through the adoption of e-wallets by Generation Z students. Additionally, the increasing utilization of digital payment systems fosters investment opportunities within the fintech sector, thereby encouraging innovation and sustainable economic development.
The Role of Artificial Intelligence in Enhancing MSME Performance: The Interplay Between Customer Orientation, Competitor Orientation, and Brand Commitment Dewi, Intan Rahma; Oktaviano, Muhammad Ikko; Firdaus, Wildan Arief; Purnamasari, Puji Endah; Permatasari, Ditya
Journal of Enterprise and Development (JED) Vol. 7 No. 3 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i3.14392

Abstract

Purpose: This study aims to examine the impact of customer orientation, competitor orientation, and brand commitment on the business performance of Micro, Small, and Medium Enterprises (MSMEs), focusing on the moderating role of artificial intelligence (AI) in enhancing strategic responsiveness and competitiveness in the digital transformation era.Method: A quantitative explanatory approach was used, involving structured questionnaires distributed to 373 MSME owners and managers in Lowokwaru District, Malang City. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software to assess both direct and moderating effects. Reliability and validity tests were performed through composite reliability and average variance extracted (AVE) analysis.Result: We found that customer orientation, competitor orientation, and brand commitment significantly and positively influenced MSME performance. However, AI did not significantly moderate these relationships, indicating that AI adoption among MSMEs is still in the early stages and has not yet shown measurable effects. Despite this, AI adopters exhibited improved operational efficiency and decision-making accuracy.Practical Implications for Economic Growth and Development: The study highlights the need for MSMEs to strengthen customer focus, competitor awareness, and brand commitment to enhance business performance. Although AI did not show a moderating effect, gradual adoption of AI technologies could improve efficiency, innovation, and competitiveness, fostering regional economic growth.Originality/Value: This research contributes to the literature by integrating AI as a moderating variable in the relationship between marketing orientation and business performance, offering empirical evidence that extends AI-based strategic capability models within the MSME context.
Determinants of Behavioral Intention to Use Peer-to-Peer Lending among MSMEs: An Extended UTAUT2 Model Evidence from East Java, Indonesia Farahiyah Sartika; Nawirah; Ditya Permatasari; Setiani
Jurnal Ecogen Vol. 9 No. 1 (2026): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecogen.v9.i1.31

Abstract

This study aims to analyze the influence of performance expectations, effort expectations, social influence, facilitating conditions, hedonic motivation, price value, habits, and experience on behavioral intention and usage behavior. This study is quantitative research, with a sample of 190 respondents from MSMEs in Malang City, Malang Regency, and Batu City. Using snowball sampling technique, the researcher processed the data with quantitative data analysis technique using a Partial Least Square (PLS) based structural equation model. The results showed that performance expectations had a positive and significant effect on behavioral intention. Social influence has a positive and significant effect on behavioral intention. Facilitating conditions have no effect and are not significant on behavioral intention. Facilitating conditions have no effect on usage behavior. Behavioral intention has a positive and significant effect on usage behavior. Hedonic motivation has a positive and significant effect on behavioral intention. Price value has no effect and is not significant on behavioral intention. Habit has a positive and significant effect on behavioral intention. Experience cannot mediate the relationship between facilitating conditions and behavioral intention. These findings indicate that perceived benefits and behavioral factors play a more prominent role in shaping MSME adoption of P2P lending than operational or infrastructure considerations. This study provides empirical insights for platform providers and policymakers in promoting sustainable access to digital financing for MSMEs.
Co-Authors Amira Amira Aulia Salsa Bella Citra Dwi Meita Devita Nur Romadhoni Dewi Roichatul Ummah Dewi, Intan Rahma Dwi Ayu Prihatini Farahiyah Sartika Firdaus, Wildan Arief Firman Maulana, Firman Ghunayanto, Ario Indah Yuliana khoirunnissa, izzun Lailatul Farida Lestari, Baiq Lestari, Baiq Malindha, Tasya Rizki Meita, Citra Dwi Mochammad Rofieq Nawirah Nawirah Nawirah Nurisma Fuadiyatu Zakki Oktaviano, Muhammad Ikko Puji Endah Purnamasari Putri, Bunga Andiya Rafidah, Aufa Salma, Siti Nikhlatus Setiani Setiani Setiani, Setiani Zulfa, Fatasya Aulya Ngindana