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All Journal Jurnal Manajerial Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Manajemen Bisnis Nusantara Science and Technology Proceedings KARYA: Jurnal Pengabdian Kepada Masyarakat Indonesian Community Journal Indonesian Journal Economic Review (IJER)
Devinta Nur Arumsari
Faculty Of Economy And Business, Universitas Pembangunan Nasional “Veteran” Jawa Timur, Surabaya 60294, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Public Health Social Sciences Other

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Challenges and Coping Mechanisms: Women Entrepreneurs in Indonesia Amidst COVID-19 Muhammad Ahmi Husein; Devinta Nur Arumsari
Manajemen Bisnis Vol. 15 No. 2 (2025): October
Publisher : Universitas muhammadiyah malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/mb.v15i2.42046

Abstract

This study explores how women entrepreneurs in Indonesia coped with the challenges of the COVID-19 pandemic using a qualitative thematic analysis. Interviews were conducted with 5 women entrepreneurs across various sectors and regions, including rural and urban areas. The analysis revealed three key coping strategies: reliance on informal financial networks, digital adaptation, and emotional resilience. Women in rural areas leaned heavily on informal financial mechanisms like community savings groups to sustain their businesses, while urban entrepreneurs successfully adopted digital platforms to reach new markets despite the physical restrictions. Emotional resilience, often supported by family networks, was crucial in helping entrepreneurs balance business challenges and increased domestic responsibilities during the pandemic. The study highlights the gendered nature of these coping mechanisms and the structural barriers faced by women entrepreneurs, such as limited access to formal financial institutions and the digital divide between rural and urban areas. Recommendations include expanding access to formal financial services, improving digital infrastructure, and providing support systems that recognize the dual roles women play as business owners and caregivers. This research emphasizes the need for more inclusive policies to support women entrepreneurs in crisis situations.
The Influence of Financial Literacy and Digital Payment Use on Generation Z’s Consumptive Behavior: Evidence from Kopi Kenangan in Surabaya Alwiyah Alwiyah; Devinta Nur Arumsari
Indonesian Journal Economic Review (IJER) Vol. 6 No. 3 (2026): September
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ijer.v6i3.977

Abstract

Indonesia's financial literacy index has risen sharply, yet Generation Z—the largest user segment of digital financial services—still shows an uneven capacity to translate this progress into prudent spending, even as digital payment instruments such as QRIS and e-wallets increasingly reduce the psychological friction traditionally associated with spending cash. This study examines the effect of financial literacy and digital payment usage on the consumptive behavior of Generation Z users of the Kopi Kenangan application in Surabaya. Using a quantitative explanatory approach, data from 100 respondents obtained through purposive sampling were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM). The results show that financial literacy has a significant positive effect on consumptive behavior, contrary to the negative effect initially hypothesized. This pattern suggests that financially literate individuals may overestimate their own capacity for self-control, an overconfidence effect that leaves them vulnerable to low-friction, gamified digital purchase triggers such as flash sales and tiered loyalty rewards. Digital payment usage, by contrast, shows a positive but statistically non-significant effect, indicating that payment convenience alone does not directly drive consumptive spending. Together, the two predictors explain only a small proportion of the variance in consumptive behavior, pointing to lifestyle, social-media influence, and self-control as more dominant factors warranting further study. These findings imply that digital platforms should consider responsible design features, such as spending-awareness nudges, rather than assuming that financial education alone will curb impulsive consumption among digitally native consumers.
Co-Authors Alwiyah Alwiyah Armanda Ardianta Ayundha Evanthi Ayundha Evanthy Dinda Lutfiani Fauzi Dominikus Aditya Fitriyanto Ela Wahyu Diyanti Fani Khoirotunnisa Farhan Bachtiar Efendi Hery Pudjoprastiono Hilmalia Ardha Dilla Muhadjir Anwar Muhammad Ahmi Husein Muhammad Hirzal Haque Novia Febrianti Reny Febriyanti Rizki Suma Pratama Syava Nur Qolbiyah Niswan Virginia Mandasari Yusela Sara Dwipa