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All Journal Media Mahardhika wacana equiliberium (jurnal pemikiran penelitian ekonomi) PRIMA : Portal Riset dan Inovasi Pengabdian Masyarakat TRANSFORMATIONAL LANGUAGE, LITERATURE, AND TECHNOLOGY OVERVIEW IN LEARNING (TRANSTOOL)
Khoirunisa, Rizqi
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Aerospace Engineering Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Social Sciences Veterinary

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Journal : Media Mahardhika

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SISTEM INFORMASI AKUNTANSI UNTUK USAHA MIKRO, KECIL DAN MENENGAH (UMKM) : PENGHAMBAT ATAU SOLUSI? (Studi Kasus Usaha Kecil dan Menengah di Kabupaten Jember) Mustofa, Ahmad; Setyawan, Bimo; Azaro, Khoirin; Khoirunisa, Rizqi; Kurnia, Lely Indah
Media Mahardhika Vol. 23 No. 3 (2025): May 2025
Publisher : STIE Mahardhika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/mahardika.v23i3.1311

Abstract

Indonesia's economic structure is dominated by Micro, Small, and Medium Enterprises (MSMEs), which play a strategic role in economic growth and poverty alleviation. The implementation of accounting information systems in MSMEs is a crucial issue in improving financial management efficiency and transparency. This study aims to explore the challenges and successes of implementing accounting information systems in MSMEs in Jember Regency. The research method used is qualitative with an exploratory approach. Data were collected through interviews and observations on three types of MSMEs: service, trade, and manufacturing. The results show that business scale, management support, and the level of education and training influence the successful implementation of accounting information systems. MSME actors generally recognize the benefits of digitalization in financial record-keeping, but there is a gap in understanding applicable accounting standards. Other factors, such as limited human resources and perceptions of system complexity, also pose challenges in the adoption of accounting information systems. This study recommends enhancing education and training programs for MSME actors to improve their understanding and adoption of optimal accounting systems.
FINANCIAL LITERACY VS BUY NOW PAY LATER: APAKAH GAYA HIDUP KONSUMTIF GEN Z MEMPERKUAT ATAU MEMPERLEMAH? Khoirunisa, Rizqi; Mustofa, Ahmad; Setyawan, Bimo; Kurnia, Lely Indah
Media Mahardhika Vol. 23 No. 3 (2025): May 2025
Publisher : STIE Mahardhika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/mahardika.v23i3.1313

Abstract

This study aims to analyze the influence of financial literacy on the use of Buy Now Pay Later (BNPL) services among Generation Z and examine the moderating role of a consumptive lifestyle in this relationship. The research employs a quantitative approach using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. Data were collected from 110 Generation Z respondents in Lumajang Regency who had used BNPL services through an online questionnaire. Data analysis was conducted using SmartPLS 4.0 to test the relationships between variables. The results indicate that financial literacy has a significant negative effect on BNPL usage, and a consumptive lifestyle weakens the negative impact of financial literacy on BNPL usage. The implications of these findings suggest the need for financial education strategies that focus more on controlling consumptive behavior, as well as stricter regulations on BNPL services to prevent increased debt among Generation Z.
Co-Authors Ahmad Mustofa Azaro, Khoirin Dja’far, Veri Hardinansyah Lely Indah Kurnia, Lely Indah Purnomo, Subekhi Hadi rozaq, mutrofin Setyawan, Bimo