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All Journal Primanomics : Jurnal Ekonomi & Bisnis Jurnal Pengabdian Masyarakat Nian Tana
Fredy Perdana Putra
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Health Professions

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The Effect of Shopping Dependence, Consumptive Behavior on Fintech Lending with Consumer Debt Levels as Intervening Variables Parameswari, Rinintha; Fredy Perdana Putra; Rudiyanto
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 1 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i1.3405

Abstract

This study examines the influence of online shopping dependence and consumer behavior on online loans, with consumer debt levels as intervention variables. The background of this study is the phenomenon of increasing consumer behavior driven by the ease of online shopping, which often triggers compulsive shopping behavior. The purpose of this study is to understand how dependence on online shopping and consumer behavior affect consumer debt through the use of fintech loan services. The research method uses a descriptive quantitative approach with data collection through questionnaires from 100 respondents who use e-commerce applications and online loans. Data were analyzed using path regression analysis to determine significant relationships between the variables studied. The results show that shopping dependence and consumer behavior have a significant direct and indirect effect on consumer debt levels through online loans. This conclusion emphasizes the importance of managing shopping habits and financial behavior in overcoming consumer debt problems in the digital era. Direct Influence: Online shopping dependency (X1) has a significant effect on online loans (Y) with a beta coefficient of 0.288 and on consumer debt (Z) with a coefficient of 0.456.Consumer behavior (X2) also has a significant effect on Y (coefficient 0.626) and on Z (coefficient 0.275).Online loans (Y) have a significant effect on consumer debt (Z) with a coefficient of 0.224. Indirect Influence: The indirect effect of X1 on Z through Y is 0.0621, so the total effect is 0.50. The indirect effect of X2 on Z through Y is 0.085, with a total effect of 0.374.
Penguatan Pasar UMKM melalui Digitalisasi Manajemen Sumber Daya Manusia dan Tata Kelola Produk Rinintha Parameswari; Fredy Perdana Putra; Rudiyanto Rudiyanto; Darwin Tantowi; Virdi Gunawan; Gulo, Nasrani Septin Kristiani
Jurnal Pengabdian Masyarakat Nian Tana Vol. 3 No. 4 (2025): Oktober: JPMNT : JURNAL PENGABDIAN MASYARAKAT NIAN TANA
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/jpmnt.v3i4.1079

Abstract

This community service program aims to enhance the competitiveness and market access of Micro, Small, and Medium Enterprises (MSMEs) through the implementation of digitalization in human resource management and product governance strategies. The activities were carried out using a participatory approach involving MSME actors, lecturers, and students to ensure program sustainability. The implementation methods included identifying partner needs, planning activities, training on the use of digital applications for HR management, conducting market-oriented product management workshops, and providing intensive field mentoring. The results showed a significant improvement in participants’ digital skills, particularly in utilizing technology for workforce management and business operations. Additionally, participants demonstrated increased creativity in product packaging and presentation, making their products more attractive to consumers. The program also fostered the emergence of adaptive local leadership and raised collective awareness of the importance of digital transformation in business development. Overall, this activity demonstrates that integrating digitalization in HR management with effective product governance can strengthen MSMEs’ market position and contribute to accelerating sustainable economic transformation.
Co-Authors Darwin Tantowi Gulo, Nasrani Septin Kristiani Parameswari, Rinintha Rinintha Parameswari rudiyanto Rudiyanto Rudiyanto Virdi Gunawan