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All Journal Journal of Innovation in Business and Economics Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Amalyah Agus, Anna
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Economics, Econometrics & Finance

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Tweeting the economy: Analyzing social media sentiments and macroeconomic indicators Fitriani, Insi; Amalyah Agus, Anna
Journal of Innovation in Business and Economics Vol. 7 No. 02 (2023): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v7i02.28227

Abstract

This research aims to examine the correlation between social media sentiment and the Consumer Confidence Index (CCI) as well as Gross Domestic Product (GDP) in Indonesia. Data were collected through web scraping from Twitter (now also known as X) spanning from 2019 to 2022 on a monthly basis. Using Pearson and Kendall’s Tau correlation tests, the study found that the correlation between Twitter sentiment and the CCI is not significant. However, there is a significant correlation between Twitter sentiment from news accounts and GDP The findings indicate that the views and perceptions expressed in social media sentiment, particularly from news accounts on Twitter, could serve as an initial indicator of Indonesia's GDP.
The Role of Trust and Financial Literacy on Intention to Use Services Buy-Now-Pay-Later with Approach Extended Theory of Planned Behavior Model Florencia Irena, Bernadette; Amalyah Agus, Anna
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 3 (2025): Dinasti International Journal of Economics, Finance & Accounting (July-August 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i3.4704

Abstract

The Buy Now Pay Later (BNPL) service is a fintech innovation that allows consumers to purchase with delayed payments. Its popularity is increasing with the growth of e-commerce and the need for flexible payments, but understanding the factors that influence usage intentions remains limited. This research analyzes the influence of trust and financial literacy on intentions to use BNPL in Indonesia using an approach to the Extended Theory of Planned Behavior. The study was conducted quantitatively on 405 respondents and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM), including Multigroup Analysis (MGA) based on gender and financial literacy level. The results show that trust significantly affects attitudes and intentions to use BNPL. In contrast, financial literacy does not directly impact intentions but influences attitudes, beliefs, and perceived behavioral control. Multigroup analysis shows that subjective norms are more influential on women's intentions, and privacy concern influences attitudes more in individuals with low financial literacy. These findings emphasize the importance of building trust and increasing financial literacy to encourage the wise use of BNPL. Practical implications are aimed at industry players and regulators in designing educational strategies and consumer protection policies.
Co-Authors Fitriani, Insi Florencia Irena, Bernadette