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All Journal Owner : Riset dan Jurnal Akuntansi Inkubis: Jurnal Ekonomi dan Bisnis
Fania Nabila Lakadjo
Universitas Muhammadiyah Sidoarjo
Economics, Econometrics & Finance

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Meningkatkan Keputusan Berinvestasi Masyarakat Sidoarjo Melalui Knowledge Management dan pengaruh variabel Financial Literacy, Religiusitas serta Mental Accounting: - Imelda Dian Rahmawati; Dewi Komalasari; Santi Rahma Dewi; Aulia Putri Saraswati; Fania Nabila Lakadjo
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 4 (2023): Article Research Volume 7 Nomor 4 Oktober 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i4.1801

Abstract

This research aims to encourage and foster the younger generation to have financial skills and accounting mentality so they can create a future brighter future. Educate the younger generation about investing by understanding financial literacy, religiosity and mental accounting to avoid online fraud or offline. It's time for millennials to learn skills invest, leave the consumptive lifestyle, and prepare for a better future bright. Knowledge management (knowledge management) is a process that focuses on how knowledge can be managed and used to improve performance. To create a knowledge-based economy then the need for knowledge management in every individual in society. Method research used in this study is a quantitative research method with causality approach, namely looking for evidence of a causal relationship through influence generated between the independent variable and the dependent variable. The data source used is primary data. The population of this study is the millennial generation which is spread throughout the region Sidoarjo. The sampling technique in this study is a convenience technique sampling. Convenience sampling is a method that researchers use to collect market research data from available respondents. Based on the results of the analysis, hypothesis testing and discussion it can be concluded that financial literacy, religiosity and mentality Accounting has a positive and significant effect on generational investment decisions Sidoarjo millennials. Knowledge Management has proven capable of playing a financial mediating role literacy. religiosity, mental accounting for investment decisions in the Sidoarjo community
Digital Financial Literacy and Trust in Digital Payment Systems in Shaping Public Decisions to Use Digital Wallets for Daily Transactions Fania Nabila Lakadjo; Imelda Dian Rahmawati
Inkubis : Jurnal Ekonomi dan Bisnis Vol. 8 No. 1 (2026): INKUBIS Jurnal Ekonomi Dan Bisnis
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/inkubis.v8i1.143

Abstract

Background: As the digital economy grows rapidly, the use of digital payment solutions, notably digital wallets, has become more common in everyday financial activities. However, the level of digital financial knowledge and trust in digital payment systems significantly impacts individuals' choices to consistently engage with digital wallets. Objective: This investigation explores the extent to which proficiency in digital finance, along with trust in digital payment systems, affects users' willingness to rely on digital wallets for regular spending activities. Methods: The research follows a quantitative approach, collecting responses from 120 community residents via a questionnaire and processing the data using a multiple linear regression model. Results: Digital financial literacy and trust in digital payment systems significantly increase the likelihood of choosing a digital wallet for transactions, both individually and in combination (p = 0.000). Trust emerges as the dominant predictor (β = 0.717), while digital financial literacy (β = 0.336) reinforces rational decision-making in digital spending contexts. The regression model explains 60.1% of the variance in digital wallet usage decisions (R² = 0.601), indicating strong model fit. Conclusion: This study confirms that digital financial literacy and trust in digital payment systems are the two dominant determinants of digital wallet adoption for daily transactions in the general Indonesian public. Future research should expand the variable set to include perceived ease of use, social influence, and hedonic motivation and apply structural equation modeling (SEM) to test mediation and moderation paths.
Co-Authors Aulia Putri Saraswati Dewi Komalasari Imelda Dian Rahmawati Imelda Dian Rahmawati Santi Rahma Dewi