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All Journal Jurnal Ilmiah Sultan Agung PENG: Jurnal Ekonomi dan Manajemen
Rohmawati, Amelia
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Law, Crime, Criminology & Criminal Justice Nursing Public Health

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Peran Fintech dalam Pembentukan Pasar Global untuk Mata Uang Digital: Dampak Terhadap Stabilitas Ekonomi Nur Rohmah, Nelly; Najibah, Nu’matun; Rohmawati, Amelia; Lela Saputri, Pungky
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 1b (2025): AGUSTUS 2024 -JANUARI 2025
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/ydzn1q91

Abstract

The development of information and communication technology has driven significant innovation in the financial sector through Financial Technology (Fintech). This article explores the role of Fintech in shaping the global market for digital currencies and its impact on economic stability. Using a qualitative descriptive approach and literature review, this study finds that Fintech, through technologies such as blockchain, peer-to-peer (P2P) lending, and Decentralized Finance (DeFi), facilitates efficient cross-border transactions, enhances financial inclusion, and creates a more interconnected global financial ecosystem. Additionally, digital currencies such as cryptocurrencies and Central Bank Digital Currencies (CBDCs) offer potential benefits in transaction efficiency, transparency, and reduced global transaction costs. However, the adoption of digital currencies also presents challenges, including high value volatility, risks to monetary policy, and opportunities for illegal activities such as money laundering. This article recommends the importance of comprehensive global regulatory policies to mitigate risks, control the circulation of digital currencies, and ensure economic stability in the digital era. Thus, Fintech and digital currencies can be optimized as catalysts for supporting inclusive and sustainable global economic growth.
PENGARUH FLASH SALE, CASHBACK DAN TAGLINE “GRATIS ONGKIR” TERHADAP PERILAKU IMPULSIVE BUYING PADA IBU RUMAH TANGGA PENGGUNA SHOPEE DENGAN PERCEIVED VALUE SEBAGAI VARIABEL INTERVENING Rohmawati, Amelia; Widiyanto, Widiyanto
Jurnal Ilmiah Penelitian Mahasiswa Vol 4, No 3 (2025): SEPTEMBER 2025
Publisher : Jurnal Ilmiah Sultan Agung

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh flash sale, cashback, dan tagline “gratis ongkir” terhadap perilaku impulsive buying dengan perceived value sebagai variabel mediasi pada pengguna platform Shopee, khususnya ibu rumah tangga di Kota Semarang. Penelitian ini menggunakan metode kuantitatif dengan teknik pengumpulan data melalui kuesioner terhadap 144 responden. Teknik analisis data yang digunakan meliputi uji validitas, reliabilitas, analisis deskriptif, serta analisis jalur (path analysis) dengan bantuan aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa flash sale dan tagline “gratis ongkir” berpengaruh positif dan signifikan terhadap perceived value, sementara cashback tidak berpengaruh signifikan. Selanjutnya, perceived value terbukti berpengaruh positif dan signifikan terhadap impulsive buying, serta mampu memediasi hubungan antara flash sale dan tagline “gratis ongkir” terhadap perilaku impulsive buying. Temuan ini menyimpulkan bahwa strategi promosi yang membentuk persepsi nilai dapat mendorong pembelian impulsif, sehingga promosi yang menimbulkan urgensi dan daya tarik ekonomis perlu dioptimalkan untuk meningkatkan minat beli konsumen. Keywords: Flash Sale, Cashback, Tagline “Gratis Ongkir”, Perceived Value, Impulsive Buying
Co-Authors Lela Saputri, Pungky Najibah, Nu’matun Nur Rohmah, Nelly Widiyanto Widiyanto