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All Journal Owner : Riset dan Jurnal Akuntansi Jambura Science of Management Mestaka: Jurnal Pengabdian Kepada Masyarakat Indonesian Journal of Multidisciplinary on Social and Technology
Dwiriansyah, M Syukur
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Mechanical Engineering Social Sciences Other

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Financial Literacy at an Early Age: The Role of Digital Technology in Students' Financial Literacy Muniarty, Puji; Rimawan, M; Ovriyadin, Ovriyadin; Wulandari, Wulandari; Dwiriansyah, M Syukur
Jambura Science of Management Vol 7, No 2 (2025): Jambura Science of Management - July 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jsm.v7i2.31411

Abstract

Purpose: This research aims to explore the extent to which the role of digital technology can increase financial literacy among students. The problems in the study are the low financial literacy of students and not optimal use of smartphones and the internet, digital technology as an effective solution in applying financial principles interactively easily accessible, not all students have the same access to financial technology and the lack of specific research that discusses the effectiveness of digital technology in increasing financial understanding among students.Design/Methodology/Approach: The population in this study was all students in semesters IV (Four) and VI (Six) of the Financial Management concentration study program at the Sekolah Tinggi Ilmu Ekonomi Bima, with a total sample of 161 students, and the sampling used was purposive.Findings: The research results show that the use of digital technology plays an important role in increasing financial literacy among students. Digital financial applications, social media, and online education platforms are proven to be able to help students manage personal finances, understand basic financial concepts, and make wiser financial decisions. Apart from that, financial literacy in the digital era needs to continue to be improved through the integration of technology-based financial education in the curriculum and the provision of digital platforms that are trusted and easy for students to access. It is believed that this approach can create a younger generation that is more financially intelligent and ready to face future economic challenges.
STIE Bima Kampus Berdampak : Pendampingan Transformasi Tugas Akhir untuk Mendukung Publikasi Ilmiah Mahasiswa Muniarty, Puji; Ovriyadin, Ovriyadin; Dwiriansyah, M Syukur
Mestaka: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 2 (2026): APRIL 2026
Publisher : Pakis Journal Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58184/mestaka.v5i2.942

Abstract

The Impactful Campus Program at the Sekolah Tinggi Ilmu Ekonomi Bima is a strategic effort to improve students' academic quality through structured final project mentoring by supervisors. This activity aims to strengthen students' abilities in compiling scientific papers that are systematic, critical, and in accordance with research methodology principles. Mentoring is carried out intensively, starting from the title determination stage, compiling the final project into a worksheet template, collecting and analyzing data, and writing articles according to journal templates. The community service approach uses a participatory, educational approach and continuous mentoring through the preparation, implementation, evaluation, and follow-up stages. The results of this program show an increase in students' understanding of research concepts, accuracy in the use of methods, and better quality scientific writing. In addition, this mentoring also encourages students to produce outputs in the form of scientific articles that have the potential to be published. Thus, this program makes a real contribution to supporting the achievement of graduate competencies that are superior, adaptive, and competitive in academic and professional environments.
Eksplorasi Transformasi Keuangan Digital Mahasiswa di Era Cashless Society Muniarty, Puji; Rimawan, M; Ovriyadin, Ovriyadin; Dwiriansyah, M Syukur
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 2 (2026): Artikel Research April 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i2.3447

Abstract

This study examines the changes in digital finance among college students in the cashless society era, where the use of GrabFood and the online transaction platform OVO is increasing in daily activities. This study uses a qualitative method with a phenomenological approach through interviews with five students active in the odd-even semester of the 2025/2026 academic year who use digital financial services using GrabFood to pay via OVO more than 5 times, as well as Generation Z born between 1997 and 2012. The results show that digital finance makes transactions easier and faster, but also encourages increased consumption and more spontaneous shopping decisions due to easy access and numerous promotions. On the other hand, the use of this system also provides benefits in the form of neater, more transparent, and easier to monitor financial records. In general, the transformation of digital finance not only changes the way students transact, but also influences their mindset and consumption habits. Therefore, digital financial literacy is crucial for students to manage their finances more wisely amidst increasingly rapid technological developments.
Pengaruh Store Atmosphere dan Media Sosial Terhadap Keputusan Pembelian pada Mahatir Store Rahman, Arif; Muhajirin, Muhajirin; Dwiriansyah, M Syukur
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 2 No. 3 (2024): Juli - Oktober
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v2i3.235

Abstract

Mahathir store is a store that sells cellphone accessories. At present it is much loved by the people of Bima City because it sells various types of cellphone and accessories needs which are more affordable compared to other stores. Apart from selling new cellphones, the Mahathir Store also sells various kinds of second hand cellphones which are guaranteed service forever. There are several ways that the Mahathir Store does to attracting potential customers from giving large discounts to customers, providing official guarantees with a long period of time, making it easier for customers to make purchases with the cash on delivery (COD) system or shopping online, and providing trade-in services, up to credit purchases , behind these advantages, the Mahathir Store also has a downside, such as a cramped store atmosphere that will impact consumers and prospective consumers who shop at Mahathir Store stores. The aim of this research is to determine whether there is an influence of Store Atmosphere and Social Media on purchases at the Mahathir Store. The population in this study is all the people of Bima City who shop at the Mahatir Store with a total sample of 96 people. The data analysis techniques used are validity and reliability tests, classical assumption test, multiple linear regression test, multiple correlation coefficient test, determination test, T test and F test. Based on the results of statistical analysis the t test variable store atmosphere influences purchasing decisions at the Mahathir Store (Study on consumers in the city of Bima). Likewise, social media variables influence purchasing decisions at the Mahathir Store (study of Kota Bima consumers). Based on the results of the f test, it is known that the Store Atmosphere and Social Media variables influence consumer purchasing decisions at the Mahathir Store
Co-Authors Arif Rahman Muhajirin, Muhajirin Ovriyadin, Ovriyadin Puji Muniarty Rimawan, M Wulandari Wulandari