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All Journal Natural: Jurnal Pelaksanaan Pengabdian Bergerak Bersama Masyarakat International Journal of Economics and Management Research
Desgita Afil Salputri
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Health Professions Law, Crime, Criminology & Criminal Justice

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Inovasi dan Transformasi Digitalisasi Menjadi Kunci Keberhasilan Bisnis di Era Digital Novrizal Novrizal; Desgita Afil Salputri
Natural: Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat. Vol. 1 No. 4 (2023): November : Natural: Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat
Publisher : Asosiasi Riset Ilmu Kesehatan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/natural.v1i4.760

Abstract

The aim of holding this PKM activity is to diversify bitter melon fruit into chips for the women of KWT Medulu, Bendewuta Village, Wongeduku District. The selected participants were 10 people who had bitter melon gardens in their yard. The activity stages were lecture and practice. PKM activities were carried out well, participants were very enthusiastic in taking part in PKM activities. Monitoring results showed that the amount of increase in participants' knowledge and skills increased from 100%, from 10 participants who answered that they did not know before the training activity in making bitter melon chips, it increased to 100% or 10 participants answered that they knew and were able after the training. This shows that training activities can be said to be successful because there is an increase in the knowledge and skills of the training participants.
The Influence of Financial Literacy and Impulsive Buying Behavior on The Spending Behavior of Shopee PayLater User Among Generation Z Desgita Afil Salputri; Mohammad Chaidir; Seger Santoso
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.550

Abstract

This study examines the influence of financial literacy and impulsive buying behavior on the shopping behavior of Shopee PayLater users among Generation Z. PayLater's convenient, instant transactions are attractive to the younger generation, but on the other hand, they have the potential to encourage unhealthy consumer behavior if not balanced with adequate financial understanding. Generation Z, as an age group highly familiar with technology and digital financial services, is a key focus of this study. This study used a quantitative approach with a purposive sampling method to recruit relevant respondents: active Shopee PayLater users aged 18 to 25. Data were collected from 150 respondents through an online questionnaire and then analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).The results show that both financial literacy and impulsive buying behavior have a positive and significant influence on the shopping behavior of Shopee PayLater users, both partially and simultaneously. However, the influence of impulsive behavior proved to be more dominant than financial literacy. These findings confirm that while improving financial literacy plays a crucial role in guiding individuals to manage their personal finances more wisely, emotional and psychological factors, such as impulsivity, remain key determinants of digital spending decisions. Therefore, this research offers important implications for developing digital-based financial education strategies that focus not only on cognitive aspects but also on affective and behavioral dimensions. The findings are expected to serve as a basis for policymakers, educational institutions, and digital financial platforms in designing more effective and adaptive financial empowerment programs for Generation Z.
Co-Authors Mohammad Chaidir Novrizal, Novrizal Seger Santoso