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All Journal Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Help: Journal of Community Service
Retnaningrum, Kartika
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Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Increasing Sales of MSME Products through Socialization of Digitalization Branding in Mulyorejo Village, Surabaya City Retnaningrum, Kartika
Help: Journal of Community Service Vol. 1 No. 2 (2024): September 2024
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/hjcs.v1i2.54

Abstract

Digitalization of branding is one of the important efforts in improving the development of micro, small and medium enterprises (MSMEs) in the digital era. Digital branding refers to the use of digital platforms including social media websites and e- commerce to promote and build brand identity. The number of MSME players who have not implemented the concept of digitalization is one of the obstacles in business development. Socialization of digitalization branding is a strategic step to help MSME players in Mulyorejo to be able to compete in the digital economy era. The socialization with the theme Digitalization of MSME Branding was carried out with the aim of transforming conventional- based MSMEs into digital ones. Through this socialization, it is hoped that MSME players will be more familiar with the concept of the MSME Branding Digitalization system.
THE EFFECT OF FINANCIAL LITERACY, FINANCIAL ATTITUDE, AND PERCEIVED RISK ON FINANCIAL MANAGEMENT BEHAVIOR IN USING BUY NOW PAY LATER (BNPL) Retnaningrum, Kartika; Siti Sundari
Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Vol. 7 No. 2 (2025): Jurnal Ilmu Akuntansi dan Bisnis Syariah
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/aksy.v7i2.45602

Abstract

This study focuses on inspecting the influence of financial literacy, financial attitudes, also perceived risk on the financial management behavior of BNPL users through a quantitative approach. The study population includes Generation Z and Millennials (aged 20–34) who are BNPL users in Surabaya. The sampling technique employed was random sampling, resulting in 166 respondents. Data was collected via an online questionnaire (Google Form) and inspected utilizing Partial Least Squares-Structural Equation Modeling (PLS-SEM). The study outcomes revealed that financial literacy, financial attitudes, and perceived risk influence financial management behavior among BNPL users in the Generation Z and Millennial populations in Surabaya. The better the financial literacy, financial attitudes, and perceived risk, the more it encourages rational, wise, and controlled financial management behavior when utilizing BNPL. This research contributes to the literature on the application of prudent financial management behavior in the usage of BNPL. It provides input for the government and service providers in formulating regulations that support the effective development of BNPL fintech.
Co-Authors Siti Sundari