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All Journal PENG: Jurnal Ekonomi dan Manajemen International Journal of Economics and Management Research
Nurrisma Rahayu
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Perencanaan Keuangan pada UMKM Es Teh Milenial Nurrisma Rahayu; Sungkono
PENG: Jurnal Ekonomi dan Manajemen Vol. 1 No. 2 (2024): Juli: Accounting economics and other economic issues
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/rt84rn04

Abstract

Tujuan dari penelitian ini adalah untuk menguji strategi perencanaan keuangan yang digunakan oleh usaha mikro, kecil, dan menengah (UMKM) Millennial Ice Tea. Metodologi penelitian yang digunakan bersifat kualitatif.Data kualitatif diperoleh melalui wawancara mendalam dengan pemilik pada usaha UMKM Es Teh Milenial, Hasil penelitian menunjukkan bahwa perencanaan keuangan yang efektif sangat penting untuk keberlanjutan dan pertumbuhan UMKM. Temuan kualitatif mengungkapkan bahwa banyak pelaku UMKM Es Teh Milenial masih menghadapi tantangan dalam menyusun anggaran dan mengelola cash flow. Penelitian ini menyimpulkan bahwa peningkatan literasi keuangan dan pelatihan khusus dalam perencanaan keuangan sangat diperlukan bagi pelaku UMKM Es Teh Milenial. Rekomendasi juga diberikan kepada pemerintah dan lembaga terkait untuk menyediakan sumber daya dan dukungan yang memadai guna membantu UMKM dalam memperkuat perencanaan keuangan mereka. Variabel dalam penelitian ini adalah perencanaan keuangan, dengan indikator yang mencakup perencanaan, pencataan,pelaporan, pengendalian. Tujuan dari penelitian ini adalah untuk meningkatkan pemahaman dan kesadaran para pelaku UMKM mengenai pentingnya perencanaan keuangan. Penelitian ini juga bertujuan untuk memberikan saran-saran mengenai taktik perencanaan keuangan yang sesuai untuk UMKM.
The Influence of Financial Literacy, Ease of Use, and Risk Perception on the Intention to Use E-Wallet (LinkAja): A Case Study of the Telukjambe Timur Community Nurrisma Rahayu; Sihabudin Sihabudin; Robby Fauji
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.v4i3.558

Abstract

This study aims to analyze the influence of financial literacy, ease of use, and risk perception on public interest in using the LinkAja e-wallet service in Telukjambe Timur District, Karawang Regency. A quantitative approach with a descriptive-verificative method was employed to assess the relationships among the variables. Primary data were collected through structured questionnaires distributed to 100 respondents selected through purposive sampling techniques. The selection criteria focused on individuals who have at least heard of or used LinkAja, ensuring the relevance of their responses to the research objectives. Data were analyzed using multiple linear regression with the support of SPSS version 26 software. The findings reveal that, simultaneously, the three independent variables—financial literacy, ease of use, and risk perception—significantly influence public interest in adopting LinkAja. However, on a partial basis, only ease of use and risk perception exert a statistically significant effect. In contrast, financial literacy does not show a meaningful impact. This implies that while having knowledge about financial tools is beneficial, it is not the decisive factor in motivating individuals to use digital wallets like LinkAja. Ease of use proves to be a major determinant, as users tend to prefer platforms that are intuitive and user-friendly. Risk perception also plays a critical role, where lower perceived risks enhance user trust and willingness to engage in digital transactions. Based on these findings, it is recommended that LinkAja prioritize user experience improvements and continuously invest in robust cybersecurity measures to build user confidence and broaden adoption across demographic segments.
Co-Authors Robby Fauji sihabudin sihabudin Sungkono