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All Journal Pattimura Proceeding : Conference of Science and Technology Jurnal Ekonomi, Manajemen, Akuntansi
Azda, Nur
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Agriculture, Biological Sciences & Forestry Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Economics, Econometrics & Finance Energy Engineering Materials Science & Nanotechnology Mathematics Physics Social Sciences

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Layanan Dompet Digital dan Literasi Keuangan Terhadap Perilaku Konsumtif: Dimoderasi oleh Mental Akuntansi Rumtutuly, Hansen Hein; Leasa, Simon Hendrik; Azda, Nur
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 1: November 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i1.11719

Abstract

Kemajuan teknologi yang semakin berkembang membuat mahasiswa semakin mudah untuk melakukan transaksi, tapi juga mendorong peningkatan consumptive behavior karena promo dan kemudahan akses. Mahasiswa rentan terhadap consumptive behavior disebabkan oleh mudahnya akses transaksi digital, promosi dan promo yang ditawarkan. Tujuan penelitian ini adalah untuk melakukan analisis pengaruh E-Wallet dan financial literacy terhadap consumptive behavior mahasiswa dengan mental accounting sebagai variabel moderasi. Adapun metode penelitian dilakukan dengan pendekatan kuantitatif dengan menyebarkan kuesioner pada mahasiswa pengguna E-Wallet, dan analisis data dilakukan dengan PLS-SEM. Hasil dari penelitian yang dilakukan membuktikan bahwa E-Wallet memiliki pengaruh positif signifikan terhadap consumptive behavior, sementara financial literacy memberikan pengaruh negatif signifikan. Sedangkan mental accounting ternyata mampu memperkuat pengaruh E-Wallet terhadap consumptive behavior dan memperlemah pengaruh financial literacy. Hasil penelitian ini mempertegas akan perlunya faktor psikologis untuk dapat memahami consumptive behavior mahasiswa pada era yang serba digital.
Financing the Circular Future: How Gendered Access to Green Capital Shapes Women’s Participation in Circular Economy Enterprises Afrianto, Afrianto; Payapo, Rukmuin Wilda; Fatmawati, Fatmawati; Azda, Nur; Togatorop, Ervan; Leasa, Simon Hendrik
Pattimura Proceeding 2026: Proceeding of the 3rd International Conference of International Conference on Business and Eco
Publisher : Pattimura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/pcst.2026.iconbe.p27-41

Abstract

The transition to a Circular Economy (CE) represents a critical pathway for sustainable development, yet the participation of women in CE enterprises remains constrained by systemic gendered barriers, particularly in access to specialized green finance. This study investigates how gendered access to green capital influences women’s engagement, decision-making, and scaling capacity in CE initiatives across Indonesia. Using survey data from 400 respondents and applying Structural Equation Modeling (SEM), the analysis examines the direct effects of institutional fairness and financial capability on women’s participation, as well as the mediating role of credit constraints. Findings reveal that equitable institutional frameworks and enhanced financial capabilities significantly increase women’s participation in CE enterprises, while limited access to green capital remains a critical barrier. The results underscore the importance of integrating gender-sensitive policies within climate finance mechanisms to ensure an inclusive and effective CE transition. This research contributes to the intersectional literature on gender, finance, and sustainability, offering actionable insights for policymakers, development practitioners, and financial institutions aiming to foster equitable green economic growth.
Co-Authors Afrianto, Afrianto Fatmawati, Fatmawati Leasa, Simon Hendrik Payapo, Rukmuin Wilda Rumtutuly, Hansen Hein Togatorop, Ervan