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p-Index From 2021 - 2026
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All Journal International Journal Business, Management and Innovation Review International Journal of Economics and Management Research
Dinda Mutiara Astuty
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Influence of Students' Financial Understanding and Life Style on Interest in Using Technology-Based Loans (Pinjol) in the Era of Financial Services Digitalization : Case Study on Students at Solo Raya University Dinda Mutiara Astuty; Susilaningtyas Budi Kurniawati; Syahriar Abdullah
International Journal Business, Management and Innovation Review Vol. 2 No. 2 (2025): : International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i2.143

Abstract

This study aims to analyze the influence of students' financial understanding and lifestyle on interest in using technology-based loans or online loans. Due to the ease of access to financial services in this era of digitalization, students have a variety of options to meet their financial needs, including online loans. This study uses a quantitative approach and uses primary data through questionnaires that are distributed to students as respondents. The results of the research analysis showed that financial understanding did not have a significant effect on the interest in using online loans, while on the contrary, lifestyle had a significant effect on the interest in using online loans. These findings show that students' tendency to consumptive lifestyles or lifestyle behavior patterns determine their interest in using online loans compared to financial literacy levels. Therefore, wise lifestyle management needs to be the focus in efforts to educate students so that the use of loan services can be carried out responsibly.
Implementation and Benefits of Digital Accounting for the Development of Creative Industry MSMEs in Surakarta City Syahriar Abdullah; Atik Lusia; Dwinanda Ripta Ramadhan; Muhammad Faiz Hardiansyah; Muhammad Sultan; Dinda Mutiara Astuty; Audita Karisma Jati
International Journal of Economics and Management Research Vol. 5 No. 1 (2026): April: International Journal of Economics and Management Research
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v5i1.614

Abstract

This study aims to analyze the effect of digital accounting implementation on the development of micro, small, and medium enterprises (MSMEs) in the creative industry sector in Surakarta City. A quantitative approach with a cross-sectional survey design was employed. Data were collected through a closed-ended questionnaire administered to 120 MSME actors who had implemented digital accounting applications, and were analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method. The findings indicate that digital accounting implementation has a significant effect on MSME development. The use of digital accounting systems has been proven to improve the efficiency of financial recording, support data-driven decision-making, and enhance both managerial capacity and market expansion. The path coefficient shows a strong positive relationship between the two variables, with a contribution of 46.8% to the variance in MSME development. These findings highlight the importance of digitalization in MSME financial governance, particularly in the innovation-driven and dynamic creative industry sector. Digital accounting serves not only as an administrative tool but also as a strategic instrument to strengthen business competitiveness and sustainability. Therefore, synergy among business actors, local government, and technology providers must be strengthened to create an inclusive and sustainable digital ecosystem.
Co-Authors Abdullah, Syahriar Atik Lusia Audita Karisma Jati Dwinanda Ripta Ramadhan Muhammad Faiz Hardiansyah Muhammad Sultan Susilaningtyas Budi Kurniawati