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All Journal Maspul Journal of Community Empowerment Center of Economic Students Journal (CSEJ) Amsir Accounting & Finance Journal
Riza Amalia Rifani
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Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : Amsir Accounting

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Mental Accounting and Self-Control Over Daily Expenses of Students Riza Amalia Rifani; Kamidin, Masruhi; Ramdani, Muh. Reza
Amsir Accounting & Finance Journal Vol 2 No 2 (2024): Juli
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v2i2.526

Abstract

Daily life expenses are defined as a number of expenditures to produce or obtain a number of goods. For students undergoing studies, they are often faced with various problems and challenges in financial management. Students frequently have limitations in terms of income and expenses, making it difficult for them to manage their finances. Understanding that influences decision-making processes in controlling daily expenses is crucial. Mental accounting is an important psychological concept in financial decision-making. This study collected data from students in Parepare City, which was then processed using an application to form quantitative data. The study population consisted of all students registered at 3 campuses in Parepare City from various study programs and academic levels. In this research, the researcher utilized Probability Sampling known as Simple Random Sampling as the sample technique. The research findings indicate that mental accounting behavior and self-control have beneficial impacts on managing daily expenses for students. Students with high levels of mental accounting awareness show high consciousness of their daily spending patterns.
Penerapan Sistem Pembayaran QRIS pada Sektor UMKM di Kota Parepare Riza Amalia Rifani
Amsir Accounting & Finance Journal Vol 1 No 1 (2023): Januari
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v1i1.170

Abstract

Penelitian ini ditujukan untuk mengetahui. Pertama, bagaimana pengetahuan pelaku UMKM di Kota Parepare menggunakan QRIS, kedua, manfaat dalam menggunakan QRIS terhadap pelaku UMKM dan ketiga hambatan yang dialami pelaku UMKM di Kota Parepare dalam penggunaan QRIS sebagai alternatif sistem pembayarannya. Jenis penelitian ini menggunakan penelitian kualitatif deskriptif dengan metode pengumpulan data dengan observasi, wawancara dan studi pustaka. Hasil penelitian menyimpulkan bahwa pertama, pelaku UMKM di Kota Parepare sudah mengetahui QRIS sebagai sistem pembayaran digital yang dikeluarkan Bank Indonesia. Kedua, adanya QRIS membantu merchant mendapatkan pembayaran dari pelanggan atau pembeli dengan mudah, praktis, cepat dan aman. Ketiga, jaringan internet yang kurang stabil dalam melakukan transaksi sehingga menjadi kendala pembayaran dan adanya biaya merchant discount rate sebesar 0,07% yang diberlakukan pada beberapa UMKM di Kota Parepare.
Co-Authors Kamidin, Masruhi Muh. Arif Muh. Reza Ramdani Ramdani, Muh. Reza Ridha Nirwana Suwandi Suwandi