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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Journal of Consumer Study and Applied Marketing Journal Integration of Management Studies
Eneng Nur Hasanah, Eneng Nur
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Effect Of Financial Technology On Cash Holding In Indonesia Using Autoregressive Distributed Lag (ARDL) Diputra, Sachio Senna; Zen, Tuntun Salamatun; Hasanah, Eneng Nur
Journal Integration of Management Studies Vol. 1 No. 2 (2023)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v1i2.94

Abstract

The rapid proliferation of financial technology (Fintech) has revolutionized the landscape of financial services globally, presenting digital alternatives to conventional banking and payment methods. Indonesia has emerged as a noteworthy adopter of Fintech, driven by the widespread usage of smartphones and government initiatives to foster financial inclusion. Nonetheless, the empirical research concerning the association between Fintech adoption and cash-holding behaviour in Indonesia remains limited. This study explores Fintech's influence on individuals' cash holding patterns in the country, considering direct indicators such as debit cards, credit cards, electronic money, mobile banking, and internet banking. A time-series analysis covering the period from M5 2013 to M3 2023, based on secondary data from the Bank Indonesia Statistic Database, is employed to achieve this research objective. The analytical framework utilizes the Autoregressive Distributed Lag (ARDL) bounds testing approach, accounting for the explanatory variables' concurrent and lagged effects. The empirical findings reveal a significant positive relationship between debit cards, mobile banking, and internet banking usage in short-term cash-holding behaviour. In contrast, credit card usage exhibits a negative and statistically significant association with long-term cash holding. These results contribute to a comprehensive understanding of how Fintech adoption shapes cash-holding behaviour in Indonesia and provide valuable insights into the country's transition toward a cashless society.
The Effect of Financial Contents on Social Media Towards Financial Literacy on Generation Z in Sumatra and Java Angelica, Agnes Enya; Zen, Tuntun Salamatun; Hasanah, Eneng Nur
Journal of Consumer Studies and Applied Marketing Vol. 1 No. 1 (2023)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jcsam.v1i1.47

Abstract

Contents with the topics around finances in social media can be utilized to improve financial literacy among Generation Z, considering that Generation Z took the highest proportion compared to other generations in Indonesia and since Generation Z has the highest internet penetration rate and spent the most time on the internet compared to other generations. This research aims to determine the impact of finances on financial literacy in Generation Z, the most significant factor of financial content that affects financial literacy, and to find out which social media and content type is the most impactful. The financial content on social media is measured by the number of social media and content types, the number of creators and topics watched, and duration, while financial literacy is measured by financial attitude, behavior, and knowledge. This research uses quantitative methods, and the data is collected using an online questionnaire. This research gathered 287 samples from Java and Sumatra, Indonesia, and 222 are financial content viewers. The multi-linear regression result found that financial contents affect financial literacy by 20.4%. The total amount of financial topics watched has the most significant impact on financial literacy, while the total amount of social media used to watch financial content has a significant negative impact. The ANOVA result discovered that people who are most often use YouTube to view financial content have the best financial literacy score average.
INFLUENCE OF CONSUMERS KNOWLEDGE TO SHADAQAH PAYING DECISION AT BAITUL MAAL UNISBA Tresnati, Ratih; Sevriana, Lufthia; Hasanah, Eneng Nur
IKONOMIKA Vol 1 No 2 (2016)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v1i2.146

Abstract

Abstract- Shadaqah has a very important role to every human when we leave this world, therefore moslem community build a foundation to take care of their shadaqah from Muzaki. Unisba as an Islamic University, also have organization to collect, manage, and allocate funding from shadaqah, named Baitul Maal of Unisba. There are 419 lecturers and employees in Unisba but there are only 27% from them who decide to become muzzaki at Baitul Maal of Unisba. On average, the Collected Fund at Baitul Maal of Unisba  per month  is only as many as Rp 3.000.000,-. Researchers  assumed that it caused by lack of consumers knowledge about Baitul Maal of Unisba programs. Consumers knowledge consists of attributes, benefit, and satisfaction to the products or services. A total of 30 questionnaires from offline surveys has been analysed using “several statistical analysis”, including multiple regression. Result of this research shows us that satisfaction to the products or services is the most dominant variable that influence lecturers and employees to become muzzzaki at Baitul Maal of Unisba.
Co-Authors Angelica, Agnes Enya Diputra, Sachio Senna Lufthia Sevriana Ratih Tresnati Tuntun Salamatun Zen, Tuntun Salamatun