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All Journal Jurnal Samudra Ekonomi dan Bisnis Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi)
Rianty, Cici
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Financial Socialization dan Sikap Keuangan terhadap Penggunaan Paylater pada Gen Z Kota Palu Aulia, Sofiah Dwi; Fattah, Vitayanti; Muslimin, Muslimin; Rianty, Cici
Jurnal Samudra Ekonomi dan Bisnis Vol 16 No 3 (2025): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v16i3.11368

Abstract

The development of financial technology (FinTech) has presented digital credit services such as Paylater, which are increasingly popular among Generation Z. This study analyzes the influence of financial socialization and financial attitudes on the use of Paylater among Gen Z in Palu City. Data were collected through an online survey of 100 respondents selected by purposive sampling method and analyzed using structural equation modeling (SEM) with SmartPLS. The results showed that financial socialization and financial attitude have a positive and significant effect on the use of Paylater, with financial attitude having a stronger influence. Individuals with adequate financial understanding and a healthy financial attitude tend to use this service more wisely. These findings emphasize the importance of financial education in encouraging wiser use of Paylater among Gen Z.
PENGARUH PENDAMPINGAN INKUBATOR BISNIS TERHADAP KINERJA KEUANGAN UMKM DI KOTA PALU Halwiah, Nur; Darman, Darman; Rianty, Cici; Samudra, Suryadi
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.5066

Abstract

Penelitian ini bertujuan untuk menganalisi pengaruh pendampingan yaitu pelatihan, bimbingan, konsultasi Inkubator Bisnis Terhadap Kinerja Keuangan UMKM di Kota Palu. Metode penelitian yang digunakan adalah metode pendekatan kuantitatif. Populasi penelitian sebanyak 52 UMKM, sampel berjumlah 40 pelaku UMKM dengan menggunakan teknik Purposive Sampling. Dalam menganalisa data penelitian ini menggunakan analisis regresi linear berganda. Hasil penelitian ini juga menunjukkan secara simultan variabel pendampingan yaitu Pelatihan, Bimbingan, Konsultasi berpengaruh tidak signifikan terhadap Kinerja Keuangan. Secara parsial variabel Pelatihan berpengaruh signifikan terhadap kinerja keuangan sedangkan Bimbingan, Konsultasi tidak memberikan pengaruh signifikan terhadap kinerja keuangan.
LITERASI KEUANGAN DAN PERILAKU PENGELOLAAN KEUANGAN UMKM TERHADAP PERAN INKUBATOR BISNIS DI KOTA PALU Saharuddin, Muhammad Fahmi; Munawarah, Munawarah; Surraya, Surraya; Rianty, Cici
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.5074

Abstract

The aim of this research is to analyze the influence of financial literacy and financial management behavior of MSMEs on the role of business incubators in Palu City. The research method used is a quantitative approach. The population and sample in this research were 52 MSMEs with 40 MSME respondents assisted by business incubators using purpose sampling techniques. The data analysis technique uses multiple linear regression analysis. The research results show that financial literacy and financial management behavior simultaneously have a significant effect on the role of business incubators with a significance level of 7,588 < 0.002. However, partially the financial literacy variable with a significant level of 1,088 < 0.283 and financial management behavior with a significant level of 1,499 < 0.142, shows an insignificant influence on the role of business incubators.
Co-Authors Cici Rianty K. Bidin Darman Darman Halwiah, Nur Munawarah Munawarah, Munawarah Muslimin Muslimin Saharuddin, Muhammad Fahmi Surraya, Surraya Vitayanti Fattah