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All Journal Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Inovasi Pajak Indonesia
Puspitasari , Diana
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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DAMPAK PAYLATER DAN PEER TO PEER LENDING TERHADAP PERILAKU MANAJAMEN KEUANGAN MASYARAKAT KOTA SEMARANG DENGAN RESIKO GAGAL BAYAR SEBAGAI VARIABEL MEDIASI Widyawati , Raneta Puspita; Kusuma , Pradana Jati; Puspitasari , Diana; Setyahuni , Suhita Whini
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 2 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i2.2837

Abstract

Penelitian ini menganalisis dampak layanan PayLater dan Peer-to-Peer Lending terhadap perilaku manajemen keuangan masyarakat Kota Semarang, dengan risiko gagal bayar sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif dengan metode survei, melibatkan 100 responden berusia 19–34 tahun yang dipilih melalui purposive sampling. Data dikumpulkan menggunakan kuesioner dan dianalisis dengan metode Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa PayLater dan Peer-to-Peer Lending berpengaruh positif dan signifikan terhadap perilaku manajemen keuangan serta risiko gagal bayar, baik secara langsung maupun melalui variabel mediasi. Temuan ini menegaskan pentingnya literasi keuangan dan kesadaran risiko untuk mengoptimalkan pemanfaatan layanan fintech serta mengurangi risiko gagal bayar
Policy and Ecosystem Pathways to Inclusive Women-Led Digital Venture Growth Abiyan Hilal, Muhammad; Puspitasari , Diana
Jurnal Inovasi Pajak Indonesia Vol. 2 No. 2 (2025): July
Publisher : Inovasi Analisis Data

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69725/jipi.v2i2.334

Abstract

Purpose – We can determine how sustainable business performance is in a female-led digital entrepreneurship ecosystem by focusing on resource access, digital capabilities, and the socio-institutional context, all at the same time.Design/methodology/approach – The interconnected drivers of resources, barriers, and context in determining sustainable entrepreneurship outcomes are analysed in this manuscript using a structural equation modelling strategy.Findings – The results show that access to financing, ecosystem support, and digital capabilities are important in improving sustainable business performance, whereas gender-based social norms and work-family role pressures act as barriers. The transformation of entrepreneurial resources into performance impacts is further strengthened by institutional trust and policy clarity, with the negative effects of structural barriers being mitigated. At the same time, the positive effects of resources are reinforced by entrepreneurial thinking that is focused on opportunities, while social and role constraints are negated. The interaction between external resources, institutional context, and internal entrepreneurial cognition is suggested as the source of sustainable business performance, rather than isolated determinants.Originality/value – This article contributes to entrepreneurship and sustainability studies by combining feminist, institutional, and digital capability perspectives within an integrated resource–barrier model that explicitly recognises context moderation mechanisms.Research implications – This contribution has implications for forward-looking theory in sustainable and inclusive entrepreneurship. It also has implications for designing policies and support systems. These encourage the development of women-led enterprises in emerging entrepreneurial contexts.
Co-Authors Abiyan Hilal, Muhammad Kusuma , Pradana Jati Setyahuni , Suhita Whini Widyawati , Raneta Puspita