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All Journal Jurnal Ilmiah Edunomika (JIE) AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Hutasoit, Sahala
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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PENGARUH LITERASI KEUANGAN, PENDAPATAN DAN TECHNOLOGY ACCEPTANCE MODEL TERHADAP MINAT PENGGUNAAN PAYLATER PADA PEGAWAI LEMIGAS Hutasoit, Sahala; Naryoto, Pambuko
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

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Abstract

This study aims to analyze the influence of financial literacy, income, and technology acceptance (Technology Acceptance Model/TAM) on the interest in using paylater services. The data used in this study were collected through a survey of 231 individuals who use paylater services. The analytical method employed is multiple linear regression to test the influence of each independent variable on the dependent variable. The results show that financial literacy and TAM have a positive and significant effect on the interest in using paylater, while income has a negative effect on that interest. This study suggests that paylater service providers should focus on improving users' financial literacy and developing accessible technology to enhance user interest. Additionally, companies should pay attention to users in the middle to lower-income segments, who are more likely to be interested in paylater services. This study is expected to contribute to a better understanding of the factors influencing the use of paylater services in Indonesia.
Analisis Implementasi dan Efektivitas Program Mitigasi di LEMIGAS Tahun 2023 Hutasoit, Sahala; Yuwono, Minto; Susilowati, Etty
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 4 No. 3 (2024): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v4i3.869

Abstract

The oil and gas industry is a critical sector in Indonesia, with LEMIGAS (Research and Development Center for Oil and Gas Technology) playing a significant role in ensuring operational efficiency and safety. This study aims to analyze the implementation and effectiveness of LEMIGAS's mitigation programs in 2023. The research employs a descriptive quantitative method with a case study approach, focusing on high-risk projects within LEMIGAS. Data were collected through in-depth interviews, questionnaires, and document analysis, and analyzed using a risk matrix to evaluate both inherent and residual risks. The study identified eleven main risks, categorized into acceptance and operational risks, including issues like delayed project completion and quality discrepancies. Mitigation measures such as equipment revitalization, coordination, and intensive monitoring significantly reduced the risk levels. For instance, the inherent risk score for revenue acceptance (R1) decreased from 10 to a residual score of 4 after mitigation efforts. Overall, the findings indicate that the structured risk management approach at LEMIGAS effectively reduces the impact and likelihood of risks, ensuring smoother project execution and achievement of organizational goals. Continuous monitoring and periodic evaluations are essential for maintaining effective risk management.
Co-Authors Etty Susilowati Pambuko Naryoto Yuwono, Minto