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All Journal Jurnal Inovasi Bisnis (Inovbiz) International Journal of Accounting & Finance in Asia Pasific
Wongsowinoto, Fridayani
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of Financial Knowledge, Technology, and Behavioral Control on Student Financial Behavior Wongsowinoto, Fridayani; Susanto, Susanto
International Journal of Accounting & Finance in Asia Pasific (IJAFAP) Vol 5, No 3 (2022): October 2022
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v5i3.1879

Abstract

At this time, many business activities are assisted by communication technology to stay can gain profit in global competition, which is where all the information becomes fast moving. Therefore, economic development in Indonesia is getting increased. Another factor underlies this economic growth because more than 80% are students who have good financial knowledge and behavioral control and are conceptualized after marketing strategies in marketing management. This study aims to determine The Effect of Financial Knowledge, Technology, and Behavioral Control on Student Financial Behavior and the factors that underlie student behavior increasing in the use of technology in marketing. the researcher used descriptive qualitative method in analyzing this phenomenon. a phenomenon that occurs in the environment of students in utilizing technology related to financial and behavioral knowledge in improving marketing. The results of this research are Proven from 2012 to 2019, the peak was that 80% of students had been able to run a business as a form of good financial behavior to improve a good quality of life. Good financial control behavior is based on several factors such as consumption where students choose to consume goods or services according to their needs. Students can also manage personal and group cash flows well with good financial knowledge based on research and education training at colleges or schools. Students who have good financial knowledge by utilizing technology can choose to invest or save their money so that it can be used in the future. Finally, students are students who grew up in a good social environment, an environment of social behavior with good financial behavior, they will automatically form a good financial control behavior as well.
Digital Financial Transactions Using QRIS Reviewed From The Legal Aspects Wongsowinoto, Fridayani; CUACA, BENNY
Inovbiz: Jurnal Inovasi Bisnis Vol 12, No 2 (2024)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v12i2.4020

Abstract

One sector that is experiencing changes in the current digital era is the financial sector, where payment transactions are starting to be carried out through digital systems, some of which use the QRIS system. Payment transactions via QRIS can speed up transactions and reduce operational costs, especially for commercial players. However, the use of QRIS has clearly given rise to what is called digital crime, which can harm users (QRIS consumers) by destroying the QR code and "undoing" the actions carried out by the perpetrator. This research uses qualitative research with data collection techniques through library research which is analyzed qualitatively. The results of the first research concluded that legal protection for QRIS users based on current regulations includes PJSP having valid legal status, PJSP must create a financial innovation ecosystem with good digital credentials in the financial services sector and be registered with the Financial Services Authority. OJK and QRIS users (consumers) enjoy rights based on the provisions of the Consumer Protection Law and the ITE Law. Second, the legal consequences of misusing consumer data in digital transactions using QRIS make the perpetrator liable for professional misconduct. For losses incurred, QRIS users can file a civil lawsuit or compensation through PJSP, as stipulated in Article 12, paragraph 1, Law no. 27, 2022 on personal data protection.
The Real Role of Management Accounting in Company Sustainability amidst Conditions of Uncertainty CUACA, BENNY; WONGSOWINOTO, FRIDAYANI
Inovbiz: Jurnal Inovasi Bisnis Vol 12, No 2 (2024)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v12i2.4021

Abstract

Business sustainability in a company faced with a situation of uncertainty can be influenced by internal factors and external factors of the company which can influence the company's current and future performance. Therefore, a real role is needed for management accounting which has the function of assisting management in planning, controlling and making decisions as an effort to minimize business risks. This research uses qualitative research with data collection techniques through literature study which is analyzed qualitatively. The results of his research concluded, first, that the role of management accounting in general helps company management in making strategic planning and budgeting, controlling costs, the resulting information can be used as a performance evaluation guide for further improvement and development, helping analyze data in making decisions that can minimize risk. business, and management accounting play a role in helping evaluate viable future company investment projects. Second, the real role of management accounting in company sustainability in the midst of conditions of uncertainty is the implementation of a management accounting information system in companies that fulfills the elements of breadth, timeliness, aggregation and integration.
Co-Authors Cuaca, Benny Susanto Susanto