Article Per Year (5 Year)
p-Index From 2021 - 2026
0.817
P-Index
This Author published in this journals
All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Indonesia Sosial Sains
Zaenal Arifin
Universitas Islam Indonesia
Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Energy Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences Other

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
The Effect of Financial Literacy, Attitudes Towards Money, and Financial Pressure on the Financial Well-being of Non-Profit Organization Workers in Indonesia Firda Inten Rasyidah; Zaenal Arifin
Jurnal Indonesia Sosial Sains Vol. 5 No. 09 (2024): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v5i09.1290

Abstract

This study explores the influence of financial literacy, attitudes towards money, and financial pressures on the financial well-being of non-profit workers in Indonesia, an issue that is relevant given the high social activity but lack of attention to the financial well-being of workers, especially with the majority of them being low-income. Using the purposive sampling method on 108 respondents from various regions in Indonesia, the study's findings showed that financial literacy had a significant positive influence on financial well-being. In contrast, attitudes towards money had no significant effect. On the other hand, financial stress significantly negatively influences the financial well-being of workers of nonprofit organizations. These results emphasize the importance of efforts to improve financial literacy and pay attention to financial pressures in improving the financial well-being of non-profit workers in Indonesia.
The Effect of Financial Literacy, Attitudes Towards Money, and Financial Pressure on the Financial Well-being of Non-Profit Organization Workers in Indonesia Firda Inten Rasyidah; Zaenal Arifin
Jurnal Indonesia Sosial Sains Vol. 5 No. 09 (2024): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v5i09.1290

Abstract

This study explores the influence of financial literacy, attitudes towards money, and financial pressures on the financial well-being of non-profit workers in Indonesia, an issue that is relevant given the high social activity but lack of attention to the financial well-being of workers, especially with the majority of them being low-income. Using the purposive sampling method on 108 respondents from various regions in Indonesia, the study's findings showed that financial literacy had a significant positive influence on financial well-being. In contrast, attitudes towards money had no significant effect. On the other hand, financial stress significantly negatively influences the financial well-being of workers of nonprofit organizations. These results emphasize the importance of efforts to improve financial literacy and pay attention to financial pressures in improving the financial well-being of non-profit workers in Indonesia.
Determinant Of Digital Bank Usage In Indonesia Safira Larasati Owen; Zaenal Arifin
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 1 (2025): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i1.6662

Abstract

This study aims to determine the factors influencing the use of digital banks in Indonesia. The research is developed from the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2). This study employs a quantitative approach where data is obtained through a Google Form questionnaire. The research uses a sample of 179 digital bank users spread across Indonesia. The analysis used in this study is PLS-SEM. The results show that performance expectancy has a positive and significant impact on the behavioral intention, effort expectancy has a positive and significant impact on use, social media has a positive and significant impact on behavioral intention and use. trust have a positive and significant impact on behavioral intention and use, and the behavioral intention has a positive and significant impact on use. However, performance expectancy negatively impacts use,and effort expectancy negatively impacts behavioral intention
Digital Payment Quality and User Behavior in Social Commerce vs Marketplace Platforms: Evidence from TikTok Shop and Indonesian E-Commerce Alinda Putri Nur Rahma; Zaenal Arifin
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5918

Abstract

This study investigates the influence of digital payment system quality on consumer purchase behavior and sales efficiency across different e-commerce platforms in Indonesia, with a focus on TikTok Shop and established marketplaces such as Shopee and Tokopedia. The research aims to assess how payment method completeness, payment security, and payment speed affect user behavior and operational performance in digital commerce ecosystems, driven by the growing integration of social features and instant transactions in online platforms. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with data collected from 242 respondents, split evenly between consumers and merchants. Multi-Group Analysis (MGA) was applied to compare platform-specific effects. The findings reveal that all dimensions of digital payment quality have a significant positive impact on their respective dependent variables. Payment security is the strongest predictor of consumer purchase behavior, especially on TikTok Shop, while payment method completeness exerts greater influence on traditional marketplaces. On the seller side, payment speed enhances sales efficiency most significantly on TikTok Shop, reflecting the platform’s reliance on fast-paced viral commerce. The study contributes to theoretical frameworks by demonstrating the varied relevance of TAM and TPB constructs in different platform contexts. It offers practical insights for platform developers and merchants seeking to optimize payment systems to improve user trust and operational effectiveness. The study also highlights the need for further research involving broader demographics and emerging payment technologies to deepen understanding of digital transaction behaviors.  
Co-Authors Alinda Putri Nur Rahma Firda Inten Rasyidah Safira Larasati Owen