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All Journal Jurnal Multidisiplin Sahombu
Siboro, Sonny Francisco
Unknown Affiliation
Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

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The Role of Financial Literacy and Technology Readiness in Encouraging the Use of Fintech for Financial Planning Among Generation Z Siboro, Sonny Francisco; Ferdiyanto, Yusriel Arief; Frimayasa, Agtovia
Jurnal Multidisiplin Sahombu Vol. 5 No. 02 (2025): Jurnal Multidisiplin Sahombu, (2025)
Publisher : Sean Institute

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Abstract

This study aims to analyze the influence of Technology Readiness and Financial Literacy on Fintech Utilization and Financial Planning, considering the mediating role of Financial Planning. Using the PLS-SEM method via SmartPLS 3 and involving 100 respondents who have actively used fintech services in the past year, the study finds that both Technology Readiness and Financial Literacy have a positive and significant impact on Fintech Utilization and Financial Planning. Individuals with higher technology readiness are more likely to utilize technology-based financial services and have better financial planning capabilities. Similarly, Financial Literacy plays a role in enhancing fintech utilization and improving financial planning skills. Another key finding is that Financial Planning significantly mediates the relationship between Technology Readiness and Fintech Utilization, but it does not mediate the relationship between Financial Literacy and Fintech Utilization, indicating that financial literacy has a more direct impact. The practical implications of this study highlight the need for increasing financial literacy and promoting technology adoption in financial activities, both by fintech service providers and stakeholders in the financial sector. The findings also serve as a reference for future research to explore other factors influencing fintech utilization and financial planning in the digital era.
Analysis of the Determinants of Burnout Among GoJek Ride Partners: The Role of Daily Incentives, Order Challenges, and Customer Behavior Soegeng, Irwin Sukrisno; Siboro, Sonny Francisco; Syamsudin, Syamsudin
Jurnal Multidisiplin Sahombu Vol. 6 No. 02 (2026): Jurnal Multidisiplin Sahombu, 2026
Publisher : Sean Institute

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Abstract

The rapid growth of app-based transportation services has transformed the working patterns of ride-hailing drivers, while simultaneously increasing the risk of work-related fatigue and burnout. Burnout among GoJek Ride partners may adversely affect psychological well-being, service quality, and driving safety. This study aims to examine the effects of daily incentives, order difficulty, and customer responsiveness on burnout among GoJek Ride drivers in the Greater Jakarta area (Jabodetabek). This research adopts a quantitative explanatory approach using a survey method. Data were collected through structured questionnaires distributed to 133 GoJek Ride drivers selected via purposive sampling. The data were analyzed using validity and reliability tests, classical assumption tests, and multiple linear regression analysis to assess both partial and simultaneous effects among variables. The findings indicate that daily incentives have a positive and significant effect on driver burnout, suggesting that target-based incentive schemes may increase work pressure when not accompanied by proportional workloads. Order difficulty shows the strongest positive influence on burnout, particularly related to travel distance, traffic conditions, and task complexity. Meanwhile, customer responsiveness does not significantly affect burnout. Collectively, the independent variables explain 51.5% of burnout variance. These results highlight burnout as a multidimensional issue shaped largely by operational and platform-related factors.
Co-Authors Agtovia Frimayasa, Agtovia Soegeng, Irwin Sukrisno Syamsudin Syamsudin Yusriel Arief Ferdiyanto