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All Journal ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Fajri Rahmi
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Religion Education Social Sciences

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Pengaruh Fintech Pembayaran dan Literasi Keuangan terhadap Perilaku Konsumtif dengan Perilaku Pengelolaan Keuangan Pribadi sebagai Variabel Intervening pada Mahasiswa UPI YPTK Padang Fajri Rahmi; Elfiswandi Elfiswandi; Rindy Citra Dewi
ARZUSIN Vol 6 No 1 (2026): FEBRUARI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i1.9160

Abstract

Research on payment financial technology (fintech) and financial literacy in relation to students’ consumptive behavior has been widely conducted; however, studies that specifically examine the role of personal financial management behavior as an intervening variable in the context of UPI YPTK Padang students remain limited. This study aimed to analyze the influence of payment fintech and financial literacy on consumptive behavior, with personal financial management behavior as an intervening variable. A quantitative approach with a survey design was employed involving 100 respondents selected using proportionate stratified random sampling based on Slovin’s formula. Data were collected through questionnaires that had been tested for validity and reliability, and were then analyzed using multiple linear regression and path analysis with the assistance of SPSS. The results showed that payment fintech and financial literacy had a positive and significant effect on personal financial management behavior, and that payment fintech had a positive and significant effect on consumptive behavior. Conversely, financial literacy and personal financial management behavior did not have a significant effect on consumptive behavior, so the indirect effect through the intervening variable was also not proven to be significant. These findings enrich the literature on financial behaviour in digital transactions and suggest that universities integrate financial literacy education with the strengthening of digital spending control in order to guide students’ consumptive behavior toward more rational patterns.
Pelaksanaan Rekrutmen, Seleksi, dan Penempatan Kerja Karyawan (Studi pada Karyawan SPPG Pasar Masurai 2) Vivi Nila Sari; Fajri Rahmi; Rani Permata Sari
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11856

Abstract

Human resource management within the Nutrition Fulfillment Service Unit (SPPG) is an important factor in supporting the success of the Makan Bergizi Gratis (MBG) Program, but studies on volunteer recruitment, selection, and placement practices at the service-unit level remain limited. This study aimed to analyze the implementation of volunteer recruitment, selection, and work placement at SPPG Pasar Masurai 2, Merangin Regency, Jambi Province. The study employed a qualitative descriptive approach with a case study design. Key informants were selected purposively based on their direct involvement in SPPG management. Data were collected through observation, in-depth interviews, and documentation and were then analyzed through data reduction, data presentation, and conclusion drawing across 150 data units. The results showed that recruitment was conducted through internal sources in the form of SPPI assignments and external sources involving the foundation and the local community. The selection process included administrative verification, competency assessment, interviews, and medical examinations, followed by volunteer placement based on operational needs. Its implementation encountered several constraints, namely a limited pool of competent candidates, incomplete documentation, and the need to fill staffing requirements rapidly. These findings confirm that the structured implementation of recruitment, selection, and placement contributes to strengthening human resource governance and the operational readiness of SPPG in supporting the MBG Program.
Co-Authors Elfiswandi, Elfiswandi Rani Permata Sari Rindy Citra Dewi Vivi Nila Sari