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All Journal Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis Jurnal Indovisi
Ismail, R. Suryanti
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science

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Mental Accounting Versus the Illusion of Happiness; Understanding Thoughts and Meaning of Happiness from the Side Lifestyle Silooy, Marissa; Ismail, R. Suryanti; Pattinama, Gwen L. L.
Public Policy Jurnal Aplikasi Kebijakan Publik dan Bisnis
Publisher : Lembaga Penelitian & Pengabdian Masyarakat (LPPM) STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51135/PublicPolicy.v5.i2.p923-937

Abstract

This research examines the financial behavior of students at the Indonesian Christian University of Maluku (UKIM) regarding mental accounting in daily life, influenced by lifestyle and perceptions of happiness. Using a qualitative phenomenological approach, data were collected through interviews, categorized by themes, and analyzed. The researchers used key informants for this study, namely 8 students from the Indonesian Christian University of Maluku.Using triangulation techniques to increase validity and reliability. Findings indicate that mental accounting affects financial decision-making and income management among students in boarding houses. It contributes to a sense of happiness as students manage their finances from their parents, showing wise application of mental accounting in financial decisions.
Understanding Adolescent Financial Behavior: The Role of Lifestyle, Self-Control, and Family Socioeconomic Status in E-Money Usage Ismail, R. Suryanti; Pattinama, Gwen L. L.; Malindir, Philipus Wijayanto
Public Policy Jurnal Aplikasi Kebijakan Publik dan Bisnis
Publisher : Lembaga Penelitian & Pengabdian Masyarakat (LPPM) STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51135/PublicPolicy.v6.i1.p155-172

Abstract

This study examines adolescent e-money usage behavior in Ambon, influenced by lifestyle, self-control, and family socioeconomic status. Data from surveys, interviews, and observations were analyzed using cluster and descriptive statistical analysis. Findings show that adolescents are grouped into three behavioral categories: Good, Fair, and Poor. Higher family socioeconomic status increases spending tendencies, while low self-control leads to impulsive transactions driven by promotions and peer influence. Additionally, the more money stored in e-money, the more frequently adolescents spend without financial consideration.
Determinasi financial technology pada generasi milenial dengan pendekatan unified theory of acceptance and use of technology (UTAUT) Ismail, R. Suryanti; Istia, Mozes David; Manuhaneny, Hajar
Jurnal Indovisi Vol. 6 No. 3 (2024): Jurnal Indovisi
Publisher : Indonesian Indovisi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32698/1907908

Abstract

Penelitian ini bertujuan mengukur pengaruh faktor-faktor yang terdapat dalam UTAUT (unified Theory of acceptance and use of technology) yaitu pengaruh Ekspektasi kerja (performance expectancy), ekspektasi usaha (effort expectancy), pengaruh social (social influence), dan kondisi yang memfasilitasi (facilitation conditons) terhadap minat menggunakan (behavior intention) e-wallet pada generasi milenial. Adapun sampel yang digunakan yaitu generasi milenial yang berada pada lima kecamatan di Kota Ambon. Teknik penentuan sampel yang digunakan adalah purpose sampling. Penggunaan purpose sampling karena penelitian ini membutuhkan kriteria tertentu sepertia usia responden berada pada rentang kelahiran 1981-2000, menggunakan e-wallet dan berdomisili di Kota Ambon. Metode Pengumpulan data menggunakan kuisioner yang disebarkan kepada generasi milenial yang bersedia dijadikan sampel. Analisis data dilakukan dengan menggunakan regresi linier berganda dan menyimpulkan bahwa Finansial Technologi (fintech) memiliki determinasi yang kuat pada generasi milenial sebesar 68,3% dimana minat menggunakan e-wallet yang dipengaruhi oleh Ekspektasi kerja (98,3%), pengaruh social (91,65), ekspektasi usaha (81,9%) dan kondisi yang memfasilitasi (25,3%). Presentase ini merujuk pada harapan kinerja fintech (e-wallet) dalam mendukung aktifitas sehari-hari, kemudahan penggunaan, dan juga pengalaman berbagai pihak ketika menggunakan aplikasi tersebut serta kemungkinan teknologi ini bisa beroperasi secara baik dan dapat terus digunakan dimasa yang akan datang.
Co-Authors Istia, Mozes David Malindir, Philipus Wijayanto Manuhaneny, Hajar Marissa Silooy Pattinama, Gwen L. L.