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All Journal Management Studies and Entrepreneurship Journal (MSEJ) IIJSE
Tambunan, Parulian
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Financial Literacy, Financial Attitudes, and Consumptive Behavior on the use of Fintech Dana Cita Pendidikan Wati, Siska; Tambunan, Parulian
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.5097

Abstract

This research aims to analyze the influence of financial literacy, financial attitudes, and consumer behavior on using Dana Cita Pendidikan fintech among the Universitas Pelita Bangsa students’ class of 2021. This research uses a quantitative approach, this research method uses a questionnaire method to find out respondents' answers. The research results show that: 1) Financial literacy significantly influences the use of Dana Cita Pendidikan fintech. 2) Financial attitudes also influence the use of Dana Cita Pendidikan fintech. 3) Consumptive behavior also influences the use of Dana Cita Pendidikan fintech among Universitas Pelita Bangsa students. These findings provide important insights for the development of financial education strategies and increasing the use of fintech among students.
The Influence of Financial Literacy, Income, and Lifestyle on the Interest of Cikarang Factory Employees in Using the SPinjam Feature Hayati, Inda Nur; Tambunan, Parulian
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.5125

Abstract

This research aims to determine the influence of financial literacy, income, and lifestyle on Cikarang factory employees' interest in using the Shopee Pinjam (SPinjam) feature. Based on the results of data collection, processing, testing, and data analysis that have been carried out, as well as the discussions that have been explained, several conclusions have been obtained. The characteristics of respondents were dominated by women, 59 people (55.7%), with the majority of respondents working as entrepreneurs or factory employees, 93 people (87.7%). The majority of respondents had a monthly income of 5 to 7 million rupiah, 43 people (40.3%). Simultaneously, financial literacy, income, and lifestyle have a positive influence on Cikarang factory employees' interest in using the Shopee Pinjam (SPinjam) feature. Partially, each of these variables also has a positive effect on interest in using this feature. Among the three variables, income is the variable that most dominantly influences the interest of Cikarang factory employees in using the Shopee Pinjam (SPinjam) feature.
Co-Authors Hayati, Inda Nur Sentosa, Dimas Rio Siska Wati, Siska Widiyawati, Vitri