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All Journal CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Worksheet : Jurnal Akuntansi Jurnal Publikasi Ilmu Manajemen Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Riset Ilmu Manajemen Bisnis dan Akuntansi TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Jurnal Ilmiah Ekonomi dan Manajemen Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Manajemen Kewirausahaan dan Teknologi Global Leadership Organizational Research in Management Jurnal Manajemen Kreatif dan Inovasi Jurnal Riset dan Inovasi Manajemen
Rudi Sanjaya
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Peran Digitaliasi dalam Membangun Literasi Inklusi Pasar Modal Novita Hajar; Alfathisya Regina Putri Bahri; Rudi Sanjaya
Jurnal Riset dan Inovasi Manajemen Vol. 2 No. 4 (2024): November: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v2i4.4124

Abstract

Digitalization has played a significant role in improving capital market inclusion literacy in Indonesia. In the era of digital transformation, financial literacy is an important element for people to manage their finances wisely and maximize the use of investment products. This study aims to examine how digitalization affects people's investment behavior through increasing financial literacy and accessibility of financial services. Using a literature study method, this article collects information and data from various sources to explore the impact of digitalization on investment behavior. The results show that financial literacy allows people to understand the risks and opportunities in the capital market, while financial inclusion ensures easier access to financial services. Digitalization accelerates investment adoption, especially among people who were previously less educated about the capital market.
Financial Apps sebagai Media Edukasi Literasi Manajemen Keuangan Dominika Dora Soge; Novi Wijayanti; Nur Annisa; Rudi Sanjaya
Jurnal Riset dan Inovasi Manajemen Vol. 2 No. 4 (2024): November: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v2i4.4128

Abstract

In this digital era, in carrying out their activities humans will not be able to be separated from the use of technology that can help humans in completing their tasks or help humans meet their needs more easily, including the people of Indonesia. The low awareness of Indonesian people in terms of financial literacy will certainly have an impact on their ability to manage finances. This study aims to analyze the role of Financial Apps as a medium of financial management literacy education. The use of Financial Apps is increasingly widespread and provides convenience for people in managing finances. Through a literature study, this research reveals that financial literacy has a high relevance to financial management skills. Individuals with good financial literacy tend to be wiser in planning, managing and controlling their finances. In this case, Financial Apps play an important role in improving financial literacy by providing features that make it easier for users to record transactions, create financial reports, and analyze financial performance.
Peran Edukasi Literasi Keuangan dalam Mengatasi Budaya Berhutang dan Gagal Bayar pada Pinjaman Online Naela Farkhati; Syifa Rasyiqa; Rudi Sanjaya
Jurnal Riset dan Inovasi Manajemen Vol. 2 No. 4 (2024): November: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v2i4.4163

Abstract

The phenomenon of online loans has increased significantly in Indonesia, presenting its own challenges for the community in terms of financial management. One of the impacts of the rise of online loans is the emergence of an unhealthy debt culture, where many people are trapped in a debt pattern that is difficult to control, leading to default. This study aims to examine the role of financial literacy as an important factor in overcoming the culture of excessive debt and reducing the number of defaults on online loans. The method used in this study is a literature review that focuses on data from other relevant document sources and those that use online loan services. The results of the study show that financial literacy education can provide the community with a better understanding of financial risks and responsibilities, as well as encourage wiser behavior in making financial decisions.
Dampak Digitalisasi Pembayaran QRIS terhadap Budaya Perencanaan Keuangan Gen-Z Resti Agustini; Nurulita Syafrida; Rudi Sanjaya
Jurnal Riset dan Inovasi Manajemen Vol. 2 No. 4 (2024): November: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v2i4.4285

Abstract

Digitalization in the payment system has brought significant changes in people's behavior, including among generation Z (Gen-Z). One of the most prominent innovations is the Quick Response Code Indonesian Standard (QRIS), which offers convenience, speed, and accessibility in transactions. This study aims to analyze the impact of implementing QRIS payments on the financial planning culture of Gen-Z, known as the digital native generation. This study uses a quantitative approach with a survey method on a number of respondents from Gen-Z. The results of the study show that the use of QRIS has positive and negative impacts on their financial planning habits. On the one hand, QRIS makes it easier to manage daily financial transactions, such as automatic recording and easy cashless payments. On the other hand, this convenience also has the potential to increase consumptive behavior due to too fast access and minimal direct control over spending. This study highlights the importance of financial education to increase Gen-Z's awareness in using technology wisely to support better financial planning.
Co-Authors Ade Irna Lestari Adeliya Adeliya Aidah Raihana Akbarudin Akbarudin Alfathisya Regina Putri Bahri Alfira Cantika Septia Alvina Ghalda Alya Bahira Anardia Destiyana Andi Ibrahim Anggun Septiani Anisa Aulia Arinda Dwi Safitri Chamid Alwi Charles Mantiri, Sandro Chika Hadijah Cici Pujiyanti Dedeh Septyaningsih Deri Darmawan Dessy Naomy Andhiny Hutagalung Devi Linda Fitriya Diani Trani Dini Hasanah M Dominika Dora Soge Erik Irvansyah Ersyafa Azzahra Fitriyani Fitriyani Fransiska Juwita Waruwu Geetha Wulandari Safitri Gita Roudhotus Soleha Hasan Rifa’i Heni Nurmayana Soleha Hilda Destiana Putri Ida Lestari Indah Sri Wahyuni Kahpi Kiki Anggar Wati Laksono Trisnantoro Leahani Nasyaroyan Imani Mochamad Muhtadin Mohamad Gilang Surpiyana Muhamad Dhani Alakhyar Nabila Amalia Nurrohmah Naela Farkhati Nahdah Tabriz Nova Apriyanti Simanungkalit Novi Wijayanti Novita Hajar Nur Annisa Nurhayati Nurhayati Nurulita Syafrida Nurwidina Rahayu Pipih Apiliani Rafly Satrio Regita Della Putri Resalia Resalia Resti Agustini Rolita Dea Anggraini Safira Aulia Santi komaladewi Seni Putri Harefa Septina Nuraini Serlina Shilfi Nahrisyah Ratu Sari Ramadan Silvia Leliana Siti Nabila Siti Sartika Winata SURYANI Syafrinah Wulandari Syifa Rasyiqa Titin Fatimah TRI WULANDARI WANDA AZIZAH Wanda Sabrina Widya Ayu Astutik Wulan Meilanny Yohana Putri Zhelfira Aliffarsah