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All Journal Jurnal Humanitas: Katalisator Perubahan dan Inovator Pendidikan JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Mawaddah, Naili Ifrozul
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Economics, Econometrics & Finance Education

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Pengaruh Efektivitas Ekstrakulikuler Koperasi, Pendidikan Kewirausahaan, dan Self-Efficacy Sebagai Variable Intervening Terhadap Intensitas Berwirausaha Pada Siswa Kelas XI IPS SMA Negeri 8 Malang Mawaddah, Naili Ifrozul; Prayitno, Putra Hilmi; Wahjoedi, Wahjoedi; Inayati, Ro'ufah
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 7 No 2 (2023): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v7i2.18980

Abstract

This study aims to examine and analyze the effect of entrepreneurial education and cooperative extracurriculars on the entrepreneurial intensity of SMA Negeri 8 Malang students mediated by self-efficacy. The method in this study uses a quantitative approach by collecting data which is disseminated through the Google Form. The population in this study used social studies class XI students at SMA Negeri 8 Malang, and the sample for this study used a population sample technique where the sample was taken from a total population of 71 respondents. The data analysis method uses SmartPls 3.0. and SPSS. The results of research on students at SMA Negeri 8 Malang mediated by self-efficacy have succeeded in increasing the intensity of entrepreneurship in students because students are aware of the importance of entrepreneurship education from an early age.
Pengaruh Digital Competence, Fear of Missing Out (Fomo), dan Peer Pressure terhadap Keputusan Pembelian melalui Literasi Keuangan sebagai Variabel Mediasi pada Gen Z Kota Malang Mawaddah, Naili Ifrozul; Wardoyo, Cipto; Wardana, Ludi Wishnu
Jurnal Humanitas: Katalisator Perubahan dan Inovator Pendidikan Vol 12 No 1 (2026): Maret
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jhm.v12i1.34138

Abstract

The rapid development of digital technology has significantly changed consumer behavior, particularly in purchase decision-making among Generation Z. As a generation that grows and interacts within a digital environment, Generation Z shows high intensity in using digital platforms and e-commerce. This condition requires adequate digital competence and financial literacy to support rational consumption behavior. At the same time, psychological and social factors such as fear of missing out (FOMO) and peer pressure also influence purchasing tendencies, often leading to impulsive buying behavior. This study aims to analyze the effects of digital competence, fear of missing out (FOMO), and peer pressure on purchase decisions, both directly and indirectly through financial literacy as a mediating variable. A quantitative research approach was employed using a survey method. Data were collected from Generation Z respondents who had experience with online shopping. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to examine direct and indirect relationships among the variables. The results indicate that digital competence has a positive and significant effect on financial literacy and purchase decisions. Meanwhile, FOMO and peer pressure do not have a significant direct effect on purchase decisions; however, both variables significantly influence financial literacy. Furthermore, financial literacy has a positive and significant effect on purchase decisions. Mediation analysis confirms that financial literacy plays an important role in mediating the effects of digital competence, FOMO, and peer pressure on purchase decisions. These findings highlight the strategic role of financial literacy in controlling the influence of digital, psychological, and social factors on consumer behavior. Therefore, strengthening financial literacy and digital competence is essential to encourage rational and responsible purchasing decisions among Generation Z in the digital era.
Co-Authors Cipto Wardoyo Ludi Wishnu Wardana Putra Hilmi Prayitno Ro'ufah Inayati Wahjoedi Wahjoedi