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All Journal Journal Of World Science Sinergi International Journal of Management and Business
Ahmad Hafidh Saiful Fikri, Aula
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Computer Science & IT Economics, Econometrics & Finance Engineering Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences

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The impact of Economic Growth, Foreign Investment, Wages, and Human Development Index on Educated Unemployment Karlina, Reyna; Ahmad Hafidh Saiful Fikri, Aula
Journal of World Science Vol. 2 No. 10 (2023): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v2i10.453

Abstract

This study aims to measure four independent variables and one dependent variable using secondary data in the form of panel data comprising 27 districts/cities in a cross-section and a time series over 5 years. The data analysis method employed is panel data regression with the random effects method. Eviews version 12 was utilized for data processing, including testing classical assumptions, hypothesis testing, and testing the Adjusted coefficient of determination (R2). The research findings indicate significant relationships between specific variables and educated unemployment. Economic Growth negatively and significantly impacts educated unemployment, demonstrating its ability to decrease educated unemployment in the region. Minimum District Wage positively and significantly influences educated unemployment, implying that increasing UMK in an area can elevate the number of educated unemployed individuals. Additionally, the Human Development Index (HDI) exerts a negative and significant effect on educated unemployment, suggesting that higher HDI can reduce educated unemployment. However, foreign investment does not significantly affect educated unemployment. Overall, the study shows that these four independent variables explain 67.8% of educated unemployment, while the remaining 32.2% is influenced by factors beyond the study's scope.
Digital Wallets and Student Finances: Analyzing Behavioral Shifts in the Era of Cashless Payments Ahmad Hafidh Saiful Fikri, Aula; Sholeh, Maimun; Susilowati, Nenden; Roestam Afandi, Muhammad; Febrianto, Indra
Sinergi International Journal of Management and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijmb.v3i4.898

Abstract

The development of financial technology (fintech) has brought significant changes to people's transaction patterns, particularly among university students, with the increasing use of digital wallets. This phenomenon is influenced by various factors, including digital literacy, financial attitude, herd behavior, and these factors impact on financial well-being. Therefore, this study aims to construct a structural model of digital wallet usage and how it impacts the financial well-being of students. This research uses a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to examine the relationships between variables. Data was collected through the distribution of questionnaires to students who actively use digital wallets. The results show that digital literacy has the largest total effect on financial well-being through two pathways: a direct influence and an indirect influence through the use of digital wallets. The total effect of digital literacy is high, making it the dominant predictor in the model. The research results show an R² value for the digital wallet usage variable of 0.508, which falls into the moderate category, while for the financial well-being variable it is 0.723, which falls into the high category. Digital literacy (LD) has established itself as the most fundamental determinant in the digital financial ecosystem. It serves not only as the primary driver of digital wallet (PDD) adoption by enhancing perceived usefulness and ease of use, consistent with the extended technology acceptance model, but also contributes directly and significantly to improving financial well-being (FWB) by facilitating access to financial information and products, aligning with the digital divide theory.
Co-Authors Indra Febrianto Karlina, Reyna Maimun Sholeh Nenden Susilowati Roestam Afandi, Muhammad