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All Journal Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Indo-Fintech Intellectuals: Journal of Economics and Business
Arifin, Rezky Awaliah Ramadhana
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengaruh Status Sosial Ekonomi Orang Tua dan Literasi Keuangan terhadap Perilaku Konsumtif Mahasiswa Universitas Negeri Makassar Arifin, Rezky Awaliah Ramadhana; Rafli, Muh.; Kamlia, Kamlia; Riswandi, Muh.; Zaimar, Fina Ruzika
Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Vol. 4 No. 3 (2025): November 2025
Publisher : PT Seval Literindo Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57141/kompeten.v4i3.230

Abstract

Penelitian ini bertujuan menganalisis pengaruh literasi keuangan dan dukungan orang tua terhadap perilaku pengambilan keputusan konsumtif mahasiswa. Menggunakan pendekatan kuantitatif, penelitian ini melibatkan 204 responden yang dipilih melalui teknik purposive sampling, dan data dianalisis menggunakan regresi linear berganda. Hasil utama menunjukkan bahwa kedua variabel memiliki pengaruh yang signifikan secara positif. Literasi Keuangan berpengaruh signifikan dengan koefisien regresi 0,193 dan nilai signifikansi 0.005, sementara Dukungan Orang Tua juga berpengaruh signifikan dengan koefisien 0,141 dan nilai signifikansi 0,040. Temuan ini menggarisbawahi bahwa literasi keuangan yang tinggi meningkatkan rasionalitas dan kepercayaan diri individu dalam mengevaluasi keputusan pembelian. Dengan demikian, kemampuan ini membantu mereka memilah antara kebutuhan dan keinginan, sehingga mendorong perilaku pengambilan keputusan konsumtif yang lebih terencana dan bijak, bukan sekadar meningkatkan konsumsi. Dukungan orang tua turut memperkuat fondasi ini, menjadikannya krusial dalam membentuk perilaku keuangan mahasiswa.
EVALUATION OF MSME SALES AND BILLING CONTROL THROUGH THE UTILIZATION OF QRIS AND MARKETPLACE: A CASE STUDY OF ES TELER 88 MAKASSAR Hasman , Hasman; Maylani Putri. B, Yuyun; Arifin, Rezky Awaliah Ramadhana; Junaedi, Alifia Salzabila; Zaimar, Fina Ruzika
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 4 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i4.4481

Abstract

Sales and collection control plays a vital role for Micro, Small, and Medium Enterprises (MSMEs) in maintaining cash flow and ensuring business sustainability. This study evaluates the effectiveness of sales and collection control through the use of Quick Response Code Indonesian Standard (QRIS) and marketplace at MSME Es Teler 88 Makassar using the Committee of Sponsoring Organizations of the Treadway Commission (COSO) framework. The research applies a descriptive qualitative case study approach with observation, interview, and documentation methods. The results show that implementing QRIS and marketplace enhances transaction accuracy, accelerates billing, and minimizes uncollectible receivables. The integration of financial technology enables automated record-keeping, real-time cash flow monitoring, and more orderly reconciliation than manual methods. Analysis through the five COSO components confirms that digital transactions not only simplify payments but also strengthen internal controls through built-in mechanisms. Therefore, using QRIS and marketplace serves as an effective strategy for MSMEs to improve operational efficiency, maintain liquidity, and support more accurate financial decision-making.
Co-Authors Hasman , Hasman Junaedi, Alifia Salzabila Kamlia, Kamlia Maylani Putri. B, Yuyun Rafli, Muh. Riswandi, Muh. Zaimar, Fina Ruzika