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The Influence of Financial Literacy and Fintech Usage on Investment Interest Among Generation Z in Jakarta: The Mediating Role of Financial Self-Efficacy Frimayasa, Agtovia; Pandin, Maria Yovia R; Kusmaningtyas, Amiartuti
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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Abstract

This study aims to analyze the influence of financial literacy and fintech usage on investment interest among Generation Z in Jakarta, with financial self-efficacy as a mediating variable. Using a quantitative explanatory research design, data were collected from 100 respondents aged 18–27 through purposive sampling. Structural Equation Modeling using SmartPLS was employed to test direct and indirect relationships among variables. The results reveal that both financial literacy and fintech usage significantly influence investment interest, with fintech usage showing the strongest effect. Financial self-efficacy also plays a significant mediating role, bridging the gap between knowledge, technology access, and investment behavior. These findings highlight the importance of combining financial education, digital access, and psychological empowerment to enhance investment participation among youth. The study contributes to behavioral finance literature and provides insights for policymakers and fintech developers in designing inclusive and confidence-building financial programs for young investors.
The Impact of Digital Transformation on Firm Value: A Study of Publicly Listed Companies on the Indonesia Stock Exchange Frimayasa, Agtovia; Mutaqqin, Hakim; Magalhaes, Cancio Andika Irawan; Ratnawati, Tri
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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Abstract

This study investigates the impact of digital transformation on firm value among publicly listed companies on the Indonesia Stock Exchange (IDX), with a comparative focus on the banking and consumer goods sectors. Using secondary data from 2018 to 2022, the study employs multiple linear regression for the banking sector and panel data regression with the Fixed Effect Model for the consumer goods sector. The results reveal that digital transformation has a significant positive effect on financial performance (ROA) in the banking sector, while its impact on market value (PBV) in the consumer goods sector is not statistically significant. Firm size acts as a moderating variable that enhances the relationship between digital transformation and firm value, particularly in the banking sector. These findings underscore the importance of digital maturity, organizational readiness, and strategic alignment in leveraging technology for value creation. The study contributes to the literature by highlighting sectoral differences in the effectiveness of digital transformation.
Socialization of Modern Payment Systems: QRIS and GoPay for SME in Rempoa Urban Village, South Tangerang Frimayasa, Agtovia; Purnama, Yanthy Herawaty; Suprayitno, Agung
Golden Ratio of Community Services and Dedication Vol. 5 No. 2 (2025): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grcsd.v5i2.1467

Abstract

The digital transformation of Micro, Small, and Medium Enterprises (SME) is crucial for national economic growth, particularly in adopting cashless payment systems. However, the main reason many SMEs have not yet adopted digital payment systems such as QRIS and GoPay is a lack of understanding and insufficient technical support. The aim of this Community Service Program (PKM) project is to help SME in Rempoa Village gain a better understanding and make use of modern payment technologies. The implementation method used a participatory learning approach that involved participants through lectures, discussions, application simulations, and direct use of QRIS and GoPay. The activity results showed a significant increase in participants' understanding, from 32% to 88% for QRIS and 40% to 76% in willingness to use GoPay. Participants were very interested and enthusiastic about the digitalization of business interactions. This effort demonstrated that a direct and participatory approach effectively prepares SME for the digital economy. To ensure that SME can fully and sustainably embrace digitalization, they need more support and training.
The Intention to Use QRIS Among MSMEs in Rempoa Subdistrict, South Tangerang: The Influence of Perceived Ease of Use and Perceived Security with User Attitude as a Mediating Variable Frimayasa, Agtovia; Suprayitno, Agung
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 06 (2025): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID), July 2025
Publisher : Sean Institute

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Abstract

This study investigates the influence of perceived ease of use and perceived security on the intention to use QRIS (Quick Response Code Indonesian Standard) among micro, small, and medium enterprises (MSMEs) in Rempoa Subdistrict, South Tangerang, with user attitude as a mediating variable. Using a quantitative approach and Partial Least Squares–Structural Equation Modeling (PLS-SEM) via SmartPLS, data were collected from 50 MSME respondents selected through purposive sampling. The research instrument was based on the Technology Acceptance Model (TAM) and tested for validity and reliability. The findings reveal that both perceived security and perceived ease of use positively and significantly influence user attitude and intention to use QRIS. User attitude significantly mediates these relationships, especially between perceived security and intention. The R² and Q² values indicate strong explanatory and predictive power of the model. These results suggest the need for strategies that enhance security perceptions and promote positive user attitudes to support wider QRIS adoption among MSMEs.
The Influence of Entrepreneurial Competence and Succession Planning on the Sustainability of Family-Owned MSMEs with Organizational Commitment as a Mediating Variable Frimayasa, Agtovia; Purnama, Yanthy Herawaty
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 06 (2025): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID), July 2025
Publisher : Sean Institute

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Abstract

This study aims to examine the influence of entrepreneurial competence and succession planning on the sustainability of family-owned MSMEs, with organizational commitment as a mediating variable. Using a quantitative explanatory approach, data were collected through structured questionnaires distributed to 50 family business owners in Rempoa, South Tangerang. The data were analyzed using Structural Equation Modeling (SEM) with the SmartPLS tool. The results show that both entrepreneurial competence and succession planning have a positive and significant effect on business sustainability, both directly and indirectly through organizational commitment. Organizational commitment plays a key mediating role, bridging internal capabilities and strategic succession with long-term business continuity. The findings highlight the importance of strengthening internal organizational aspects, such as loyalty and shared responsibility, to ensure intergenerational sustainability of family MSMEs. This research provides theoretical insights and practical recommendations for MSME actors and policymakers in designing training and succession planning programs.
The Influence of Work Flexibility and Internal Social Media on the Work Effectiveness of Generation Z Employees: The Mediating Role of Hybrid Work Engagement Ferdiyanto, Yusriel Arief; Frimayasa, Agtovia
Jurnal Multidisiplin Sahombu Vol. 5 No. 5 (2025): Jurnal Multidisiplin Sahombu, July - August (2025)
Publisher : Sean Institute

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Abstract

This study investigates the influence of work flexibility, internal social media, and hybrid work engagement on employee effectiveness in modern organizational contexts. Using a quantitative approach with structural equation modeling, the research explores both direct and indirect relationships among the variables. The results indicate that internal social media plays a pivotal role in enhancing work effectiveness by fostering communication, collaboration, and knowledge sharing within organizations. Hybrid work engagement also demonstrates a strong influence, as engaged employees in flexible environments are more committed, adaptive, and productive. Although work flexibility does not directly improve effectiveness, it contributes indirectly by encouraging greater use of internal social media, which subsequently enhances performance. These findings underscore the importance of integrating digital communication tools and engagement strategies to optimize organizational outcomes in an era of hybrid work arrangements.
Analisis Pendekatan Model Utaut 2 Terhadap Penerimaan Penggunaan E-Banking Livin Pada Bank Mandiri (Studi Kasus Nasabah Bank Mandiri Jabodetabek) Bilgah, Bilgah; Frimayasa, Agtovia
Innovative: Journal Of Social Science Research Vol. 4 No. 4 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i4.13035

Abstract

Penelitian ini bertujuan untuk mengetahui penerimaan dan penggunaan e-banking Livin’ Bank Mandiri di Jabodetabek dengan menggunakan model UTAUT2. E-banking adalah layanan yang disediakan oleh bank untuk mendukung berbagai jenis transaksi perbankan. Jenis penelitian ini adalah penelitian eksplanatif yang menjelaskan hubungan dan pengaruh antara satu variabel dengan variabel lainnya melalui pengajuan hipotesis. Penelitian ini menggunakan sampel sebanyak 97 responden dengan penyebaran kuesioner online. Sampel terdiri dari responden yang menggunakan mobile banking. Analisis data dalam penelitian ini menggunakan analisis jalur (path analysis) dengan menggunakan program SmartPLS 3.0. Hasil pengujian terhadap hipotesis dapat disimpulkan bahwa , Behavioral Intention mempunyai pengaruh positif dan signifikan terhadap Use Behavior. Facilitating Condition berpengaruh positif dan signifikan terhadap Behavioral Intention. Sehingga Habit berpengaruh positif dan signifikan terhadap Use Behavior. Konsumen merasa bahwa Facilitating Condition, Behavioral Intention, Use Behavior, dan Habit memberikan kemungkinan yang lebih tinggi bagi responden untuk adanya niat penggunaan e-banking Livin’ Bank Mandiri.
Optimization of Social Media as a Means of Promotion and Marketing for MSME Products in Tanjung Duren Utara, West Jakarta Frimayasa, Agtovia; Nasution, Ibnu Haris; Purnama, Yanthy Herawaty; Rahmat, Rahmat
Abdimas Paspama Vol. 3 No. 02 (2025): Abdimas Paspama, 2025, June 2025
Publisher : Abdimas Paspama

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Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in Indonesia's economy but still face challenges in marketing their products. Social media serves as a viable solution to enhance MSME promotion and market reach at a relatively low cost. This Community Service Program (PKM) aims to enhance the capacity of MSME entrepreneurs in Tanjung Duren Utara in optimizing the use of social media for product marketing. The methods used in this program include training, mentoring, and evaluation of the digital marketing strategies implemented by participants. The results indicate an improvement in participants' understanding and skills in managing social media as an effective marketing tool.