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All Journal Edumaspul: Jurnal Pendidikan Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Rahmat Hidayat
Universitas Tomakaka
Economics, Econometrics & Finance Other

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Improving the Ability to Compare Content of Various Reviews to Find a Systematic Review Using the Problem Based Learning Model Private Vocational School 1 Mamuju Ansar Ansar; Rahmat Hidayat; Syahban Mada Ali
Edumaspul: Jurnal Pendidikan Vol 6 No 2 (2022): Edumaspul: Jurnal Pendidikan
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

This study aimed to determine the Increased Ability to Compare the Content of Various Reviews to Find the Systematics of a Review Using the Problem Based Learning Model. The population in this study were all students of class XI at SMK Negeri 1 Mamuju. The data consisted of data on student learning outcomes through learning achievement tests in each cycle and data on student activities in learning based on observations made. Student learning outcomes test data were analyzed using the mean while student learning activity data were analyzed using descriptive analysis. The results showed that the ability to compare the contents of various reviews to find the systematics of a reviewer increased in each cycle. Based on data on pre-cycle, there is 1 student who is in the complete category with a score of 75 and above with a percentage of 4%, cycle I 15 students who are in the complete category with a percentage of 60%, cycle II 18 students who are in the complete category with a percentage of 72% and cycle III 25 students in the complete category with a percentage of 100%. Based on the results of the data analysis, it was concluded that the use of the Problem Based Learning model could improve the ability to compare the contents of various reviews to find the systematics of class XI student reviews at SMK Negeri 1 Mamuju.
Buy Now Pay Later dan Generasi Z: Dampaknya terhadap Manajemen Keuangan dan Perilaku Berutang di Sulawesi Barat Rahmat Hidayat
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 6 No. 3 (2025): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v6i3.2921

Abstract

Perkembangan teknologi finansial (financial technology/fintech) telah melahirkan berbagai inovasi layanan keuangan digital, salah satunya Buy Now Pay Later (BNPL). Layanan ini semakin populer di kalangan Generasi Z karena menawarkan kemudahan transaksi, fleksibilitas pembayaran, serta promosi menarik. Namun, di balik manfaat tersebut, BNPL juga menimbulkan tantangan berupa potensi meningkatnya perilaku konsumtif dan kecenderungan berutang. Penelitian ini bertujuan untuk menganalisis dampak penggunaan BNPL terhadap perilaku manajemen keuangan dan perilaku berutang Generasi Z di Sulawesi Barat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 100 responden Generasi Z yang dipilih melalui teknik purposive sampling. Analisis data dilakukan menggunakan Partial Least Square – Structural Equation Modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4.0. Hasil penelitian menunjukkan bahwa BNPL berpengaruh signifikan terhadap perilaku manajemen keuangan (koefisien = 0,737; p < 0,05) dan perilaku berutang (koefisien = 0,804; p < 0,05). Nilai R-Square memperlihatkan bahwa BNPL mampu menjelaskan 54,3% variasi perilaku manajemen keuangan dan 64,6% variasi perilaku berutang. Temuan ini menegaskan bahwa semakin tinggi penggunaan BNPL, semakin besar pula pengaruhnya terhadap pengelolaan keuangan sekaligus kecenderungan berutang pada Generasi Z. Penelitian ini memberikan kontribusi teoretis dalam memperkaya literatur tentang perilaku keuangan generasi muda dalam konteks fintech, serta memberikan implikasi praktis bagi perlunya peningkatan literasi keuangan digital untuk mengurangi dampak negatif penggunaan BNPL.
Co-Authors Ansar Ansar Syahban Mada Ali