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All Journal Jurnal Penelitian Ilmiah INTAJ JIEB : Jurnal Ilmiah Ekonomi Bisnis eCo-Fin
Mariyani, Kristin
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Social Sciences Other

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ANALISIS CRYPTOCURRENCY SEBAGAI ALAT ALTERNATIF DALAM BERINVESTASI DI INDONESIA PADA MATA UANG DIGITAL BITCOIN Muhammad Naufal Hasani; Ramadhan, Muhammad; Mariyani, Kristin; Setiawan, Reksa; Sucidha, Irma; Sardjono
Jurnal Ilmiah Ekonomi Bisnis Vol 8 No 2 (2022): JURNAL ILMIAH EKONOMI BISNIS
Publisher : Jurnal Ilmu Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/jieb.v8i2.762

Abstract

The purpose of this research is to find out cryptocurrency investment as an alternative investment tool in Indonesia, especially in bitcoin digital currency and how the legal regulations regulate it. The type of research in this study is qualitative, where researchers get an overview of cryptocurrency investment. The data analysis technique used is literature study, observation and interviews. This research was conducted for more than 3 months. The results of the study show that the legal position of using cryptocurrency as an investment tool is not prohibited. This is found in the provisions of Bappebti which regulates whether or not the investment may be enforced, as long as it does not conflict with state regulations, in essence it can be used. Cryptocurrency investment in Indonesia is also increasing very rapidly because the price of Bitcoin continues to increase, causing more and more people to compete to invest in this bitcoin digital asset. Keywords: Cryptocurrency, Investment, Bitcoin
Pengaruh Literasi Keuangan, Gaya Hidup, dan Perilaku Pembelian Impulsif Terhadap Penggunaan Shopee Paylater Pada Generasi Z di Banjarmasin Mariyani, Kristin; Risanta, Muhammad
eCo-Fin Vol. 7 No. 2 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i2.2529

Abstract

The use of Paylater is one of the popular fintech services today. one of the largest maketplace, Shopee targets the younger generation by providing flexible payment options through the Shopee PayLater service. This study aims to examine how financial literacy, lifestyle, and impulse buying behavior influence the decision to use Shopee Paylater for Generation Z in Banjarmasin. This research utilizes a quantitative approach. In this study, the population consists of all Generation Z in Banjarmasin. The sampling technique used is non-probability sampling with the Slovin formula, the sample size for this research is determined to be 250 respondents. The sample criteria in this study are Generation Z with the age of 18-29 years (in 2024) and active users or have used shopee pay later. Analysis used in this study is Structural Equation Model (SEM) analysis. SEM calculations in this research are performed using the Smart PLS 3 program. The research findings indicate that Financial Literacy, Lifestyle and impulsive buying have significant influence on purchasing decisions using Shopee Paylater.  
The Effect of Online Customer Reviews and Ratings on Millennial Purchase Decisions in Banjarbaru through Shopee Marketplace Mariyani, Kristin; Adista Anjar Diany
Jurnal Penelitian Ilmiah INTAJ Vol. 9 No. 2 (2025): windy
Publisher : LP3M IAI Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/intaj.v9i2.2201

Abstract

This study aims to analyze the influence of Online Customer Reviews and Online Customer Ratings on the Purchase Decisions of millennial consumers in Banjarbaru City who shop through the Shopee marketplace. The increasing trend of online shopping among millennials highlights the importance of understanding how consumer-generated information, such as reviews and ratings, shapes trust and affects the decision-making process. This research employs a quantitative approach with 100 respondents who have made purchases on Shopee within the past year. Data were collected using an online questionnaire with a Likert scale and using PLS-SEM to test validity, reliability, and the relationships among variables. The results indicate that both Online Customer Reviews and Online Customer Ratings have a positive and significant influence on Purchase Decisions. These findings suggest that the better and more credible the information shared by other consumers, the stronger the purchase intention among millennials. Practically, this research provides insights for marketers and online sellers to optimize review and rating systems as part of their digital marketing strategies to attract and retain millennial consumers in the competitive marketplace environment.
Co-Authors Adista Anjar Diany MUHAMMAD NAUFAL HASANI Muhammad Ramadhan Risanta, Muhammad Sardjono Setiawan, Reksa Sucidha, Irma