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All Journal Jurnal bintang manajemen Jurnal Ilmiah Manajemen Dan Kewirausahaan Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Wibowo, Erwin Sya’ban Ardi
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Literasi Keuangan dan Kecemasan Finansial sebagai Penentu Penggunaan Fintech dan Perilaku Keuangan Wibowo, Erwin Sya’ban Ardi; Darwin, Darwin; Faderica, Jennyfer; Kwan, Juy Celina; Wijaya, Metta Julylia; Wijaya, Philip
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 5 No. 1 (2026): Januari: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v5i1.6053

Abstract

Generation Z is a group that's very comfortable with digital technology and is the main group using financial technology, or fintech, services. They depend a lot on digital wallets, mobile banking, and PayLater services because these offer ease, quick access, and flexibility. However, even though they use fintech a lot, it doesn't always mean they make smart financial choices, which can lead to financial stress and poor financial decisions. This study looks at how financial knowledge affects the way Generation Z uses fintech, with financial anxiety acting as a middle factor. The research uses a quantitative method, where questionnaires were given to students who regularly use fintech services. The tools used in the study were based on established indicators of financial knowledge, financial anxiety, and fintech usage from past research. The data was analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that financial knowledge has a positive effect on both financial anxiety and fintech usage. Financial anxiety was also found to impact fintech usage and plays a role in how financial knowledge influences the use of fintech. These findings show that the financial behavior of young people isn't just about knowing financial things, but also about their mental state and how it affects their use of digital services. This study has important implications for creating better financial literacy programs and teaching young people how to use fintech healthily, so they can use it in a more responsible and sustainable way
Digitalisasi Administrasi Pajak UMKM Sektor Distributor di Kota Batam : Studi Kualitatif tentang Pengalaman, Tantangan, dan Strategi Adaptasi Pelaku Usaha di Era Kebijakan Pajak Terbaru Erwin Sya'ban Ardi Wibowo; Anthony Salim; Ernest Kusuma Dharma; Limas Putra; Hansen Nicholas; Herodes Herodes
Jurnal bintang manajemen Vol. 4 No. 2 (2026): Juni : Jurnal Bintang Manajemen (JUBIMA)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jubima.v4i2.4344

Abstract

The digitalization of tax administration has become one of the Indonesian government's strategic initiatives to improve efficiency, transparency, and taxpayer compliance. However, the implementation of digital tax systems among Micro, Small, and Medium Enterprises (MSMEs), particularly distributor-sector MSMEs in Batam City, still faces various administrative and technical challenges. This study aims to examine the experiences, risk perceptions, and adaptation strategies of distributor MSME actors in responding to the digitalization of tax administration following the implementation of the Harmonization of Tax Regulations Law (UU HPP). The research employed a qualitative approach using a phenomenological method. Data were collected through in-depth interviews with seven distributor MSME owners in Batam City who had utilized digital tax systems such as e-Filing and Coretax. The findings indicate that most business actors still experience limitations in technical understanding, concerns regarding reporting errors, and difficulties adapting to changes in digital tax systems and regulations. To address these challenges, MSME actors developed several adaptation strategies, including the use of tax consultants, hybrid manual-digital bookkeeping systems, and informal assistance through the internet and business networks. This study highlights that the success of tax digitalization requires a more adaptive approach, stable systems, and policies that are aligned with the characteristics of local MSMEs.
Apakah AI Sebagai Ancaman atau Justru Menjadi Peluang Bagi Dunia Kerja? Erwin Sya’ban Ardi Wibowo; Andy Andy; Angelin Angelin; I Made Guna Raditya; Leo Alnandez; M. Febri Shahrul Iman
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 4 No. 3 (2025): September : Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v4i3.6033

Abstract

The rapid advancement of Artificial Intelligence has reshaped the demands of the modern labor market, creating both opportunities and challenges for future job seekers. This study investigates the influence of AI skills on employability, with creativity serving as a mediating variable among senior high school and vocational students in Batam, Indonesia. Using a quantitative research design, data were collected from 186 respondents through an online survey and analyzed with the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach. The findings reveal that AI skills significantly enhance both creativity and employability. Creativity is also shown to have a positive effect on employability and partially mediates the relationship between artificial intelligence skills and employability. These results indicate that AI literacy, when combined with creative abilities, strengthens students’ adaptability, readiness, and competitiveness in the digital workforce. The study highlights the essential role of creativity as a complementary human skill that amplifies the benefits of artificial intelligence integration in learning. Overall, the research emphasizes the importance of fostering artificial intelligence competencies and creativity development to prepare young individuals for the evolving demands and complexities of future employment.
Co-Authors Andy Andy Angelin Angelin Anthony Salim Darwin Darwin Ernest Kusuma Dharma Faderica, Jennyfer Hansen Nicholas Herodes Herodes I Made Guna Raditya Kwan, Juy Celina Leo Alnandez Limas Putra M. Febri Shahrul Iman Wijaya, Metta Julylia Wijaya, Philip