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All Journal Proceeding International Conference on Islamic Economics Community Services International Journal of Islamic Business Management
Sabrina Noor Wijaya
Universitas Islam Negeri Sumatera Utara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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ANALISIS PERSEPSI MAHASISWA TERHADAP LITERASI KEUANGAN DIGITAL DALAM PENGELOLAAN KEUANGAN PRIBADI M. Azy Rahmanda; Sabrina Noor Wijaya; Abdul Azis; Sinta Nova; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The development of digital technology has driven significant transformations in the financial system, including among university students, a young age group that predominantly uses digital financial services. Students are increasingly familiar with the use of e-wallets, mobile banking, and digital investments in their daily financial activities. However, the high adoption rate of these services is not always accompanied by adequate levels of digital financial literacy. This study aims to analyze students’ perceptions of digital financial literacy and its implications for personal financial management. The research method used a qualitative approach through literature review by analyzing journal articles, books, and relevant scientific documents. The results indicate that students’ understanding of e-wallets, mobile banking, and digital investments positively influences personal financial management behaviors, such as budget planning, spending control, and saving and investment decisions. However, limited understanding of the risks, data security, and long-term consequences of using digital financial services remains a major challenge. Therefore, improving digital financial literacy that is applicative and practice-oriented is needed to support wiser and more sustainable personal financial management of students in the digital era
Optimizing Motivation in Purchase Decision-Making for MOSSDOOM Products on the Shopee App Sabrina Noor Wijaya; Nabila Zahara; Nanda Nurul Atika; Nurlaila Nurlaila
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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E-commerce has experienced rapid growth in recent years, transforming consumer shopping patterns from traditional methods to online shopping. Mossdoom, a local fashion brand that has seen significant growth in 2023-2024, has successfully attracted consumer attention through high-quality bags at affordable prices on e-commerce platforms such as Shopee. However, the lack of optimal understanding of factors influencing consumer purchasing motivation poses challenges for Mossdoom in enhancing sustainable purchasing decisions. This article employs deep interview and collaboration methods to identify the factors affecting consumer motivation in purchasing Mossdoom products. The findings indicate that consumer motivation, including needs, online shopping convenience, and reviews from other buyers, significantly influences purchasing decisions. By leveraging marketing strategies based on an understanding of consumer motivation, Mossdoom can enhance the appeal of its products on the Shopee e-commerce platform. The training provided to business actors and consumers successfully increases understanding of the importance of motivation in purchasing decisions and provides valuable insights for developing more effective marketing strategies. This article suggests that Mossdoom strengthen its brand image, optimize product presentation, leverage positive reviews, and collaborate with influencers to achieve sustainable sales growth.
Co-Authors Abdul Azis M. Azy Rahmanda Nabila Zahara Nanda Nurul Atika Nurlaila Nurlaila Reni Ria Armayani Hasibuan Sinta Nova