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The Influence of Paylater Usage on Consumerism Behavior: The Moderating Role of Cultural Values Ulfa, Ulfa Utari; uswatun, Uswatun Hasanah; Tari, Riantari Maharani; Nisa, Anisha Hardianti
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 03 (2025): Vol. 5 No. 03 (2025): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v5i03.1258

Abstract

This study aims to examine the effect of PayLater usage on consumerism behavior, with cultural values as a moderating variable. As PayLater services continue to grow as part of financial technology, their influence on consumer behavior—particularly in promoting impulsive and excessive spending—warrants deeper investigation. Using a quantitative and explanatory research approach, data were collected through an online questionnaire distributed to 116 respondents with prior experience using PayLater services. Data analysis was conducted using moderation regression with PROCESS Macro Model 1 on SPSS version 26. The results indicate that PayLater usage has a significant positive effect on consumerism behavior (p < 0.05). Cultural values also show a significant direct influence on consumerism. Interestingly, the interaction between PayLater usage and cultural values was found to be statistically significant, indicating a moderating effect. However, rather than weakening the relationship, cultural values in this context were found to strengthen the influence of PayLater usage on consumerism. This suggests that the cultural values internalized by respondents may not necessarily reflect financial restraint or frugality, but rather emphasize social norms, lifestyle conformity, or prestige. These findings contribute to a deeper understanding of consumer behavior in the digital age and highlight the importance of considering cultural contexts when analyzing the impact of financial technology on individual financial behavior.
PEMETAAN LITERATUR KAPABILITAS DINAMIS PADA UMKM DI INDONESIA: TINJAUAN LITERATUR SISTEMATIS Maulidan, Rahmat; Gunanjar, Imam; Ridwan Verinanda, Muhammad; Syahputra, Rico; Hardianti, Anisha
Creative Research Management Journal Vol 8 No 1 (2025): September
Publisher : Universitas Prof. Dr. Hazairin SH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/pxv3y031

Abstract

This study presents a systematic analysis of the conceptual development of dynamic capabilities in the context of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. To remain competitive, MSMEs are required to possess a high level of adaptability. One relevant approach to explaining this adaptive capability is the concept of dynamic capabilities, which includes the abilities to sense, seize, and reconfigure. The objective of this study is to map the development of literature related to dynamic capabilities within the Indonesian MSME context and to identify existing conceptual and practical gaps. The research method employed is a Systematic Literature Review (SLR). Literature was collected from leading databases such as Google Scholar, DOAJ, Emerald, and SINTA using the Publish or Perish application, covering the period from 2020 to 2024. From the 49 selected articles, a process of screening, coding, and thematic analysis was conducted. The findings indicate that dynamic capabilities significantly contribute to the resilience, innovation, and performance of MSMEs. However, there remain inconsistencies in definitions and measurement approaches. Moreover, this study is limited to the MSME sector, which restricts the generalizability of the findings. The main contribution of this study is to provide a systematic mapping of recent literature and to propose future research directions and policy recommendations that support the strengthening of dynamic capabilities among MSMEs, particularly in the face of business environmental uncertainty.
Pengembangan Destinasi Pariwisata Gayo Lues Berbasis Integrasi Media Sosial Safuridar, Safuridar; Andiny, Puti; Hardianti, Anisha
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 3 (2025): Edisi Juli - September
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of destination management and digital marketing skills aims to increase community income in Gayo Lues Regency through the tourism sector. The community's reliance on less effective traditional marketing methods and the underutilization of social media have highlighted the need for more efficient and impactful alternatives to promote local tourism destinations. This program is designed to educate local youth on the multiplier effect of tourism and train them in managing social media accounts and creating engaging promotional content using digital platforms such as TikTok, Instagram, Facebook, and YouTube. The approach used in this community service activity combines the Rapid Rural Appraisal (RRA) and Participatory Rural Appraisal (PRA) methods. RRA enables quick and efficient data collection by involving the community, while PRA encourages active community participation in problem analysis and solution development. Hands-on training and intensive mentoring will be provided to ensure that participants are capable of effectively managing and utilizing social media to promote their tourism destinations. It is expected that this program will not only increase local income through the tourism sector but also help foster a more competitive and sustainable tourism ecosystem. The final stage of the program involves mentoring and evaluation to measure the success of the community service initiative
Poverty in Aceh Province: The Role of Human Development, Unemployment, and Economic Growth Hardianti, Anisha; Putri Utami, Farathika; Simanjuntak, Helmina; Sirait, Syamsinah
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 7 No 1 (2026): JUNE 2026
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v7i1.6222

Abstract

This study examines the effects of the Human Development Index (HDI), Open Unemployment Rate (OUR), and Gross Regional Domestic Product (GRDP) per capita on poverty in Aceh Province. Despite receiving substantial fiscal support through the Special Autonomy Fund, Aceh continues to record one of the highest poverty rates in Indonesia, indicating persistent structural challenges. This study provides district-level evidence from 23 regencies and municipalities in Aceh during 2020–2024 using panel data regression analysis. Based on the Chow, Hausman, and Lagrange Multiplier tests, the Random Effect Model was identified as the most appropriate specification. The findings reveal that HDI has a significant negative effect on poverty, indicating that improvements in education, health, and living standards contribute to poverty reduction. The Open Unemployment Rate also exhibits a significant negative relationship with poverty, suggesting the importance of regional labor market characteristics and informal employment. Meanwhile, GRDP per capita has no significant effect, implying that economic growth has not been sufficiently inclusive to alleviate poverty. These findings emphasize that strengthening human capital and improving labor market quality are more effective strategies for reducing poverty in Aceh Province.