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All Journal Ekopedia: Jurnal Ilmiah Ekonomi Jurnal Sipakatau
Hidayani Hidayani
Universitas Mulawarman
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Physics Social Sciences Veterinary Other

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Encouraging the Use of Digital Payment Systems By QRIS Among Traditional Market Traders Siti Maria; Anggi Oktawiranti; Justina Ade judiarni; Heni Rahayu Rahmawati; Hidayani Hidayani
Jurnal Sipakatau: Inovasi Pengabdian Masyarakat Vol. 2 No. 2 (2025): Jurnal Sipakatau
Publisher : PT. Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/jsipakatau.v2i2.254

Abstract

Digital transformation in the payment system is one of the important factors in improving transaction efficiency in traditional markets. Quick Response Code Indonesian Standard (QRIS) has been introduced as a digital payment solution that can be applied in various sectors, including traditional markets. However, the adoption of QRIS by market traders still faces various challenges, such as low digital literacy, limited devices, and resistance to changes in the transaction system. This study aims to analyze the level of understanding and readiness of Segiri Market traders in adopting QRIS, as well as evaluate the effectiveness of training and mentoring in increasing the adoption of this digital payment system. The methods used in this study include socialization, training, and simulation of QRIS transactions to market traders. The pre-test and post-test results showed a significant increase in merchants' understanding and readiness to use QRIS, with the willingness to adopt increasing from 40% to 90%. In addition, increased convenience in digital transactions and frequency of QRIS usage also showed a positive trend after the intervention. The conclusion of this study is that continuous education and mentoring is essential in driving QRIS adoption in traditional markets. Collaboration between the government, banks, and financial service providers is needed to ensure the sustainability of digital payment implementation in the traditional trade sector.
Pengaruh Risk Tolerance dan Herding Bias Terhadap Risk Invesment Behavior pada Mahasiswa di Samarinda dengan Financial Literacy sebagai Moderasi Adrian Azmi; M. Amin Kadafi; Hidayani Hidayani
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/qhvac750

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh risk tolerance dan herding bias terhadap risk investment behavior pada mahasiswa di Samarinda dengan financial literacy sebagai variabel moderasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner skala Likert kepada mahasiswa di Samarinda. Penelitian ini menggunakan 397 partisipan. Data dianalisis menggunakan struqture equation model (SEM) dengan alat analisis SMART-PLS. Hasil penelitian menunjukkan bahwa risk tolerance berpengaruh positif dan signifikan terhadap risk investment behavior. Herding bias tidak berpengaruh signifikan terhadap risk investment behavior. Financial literacy berpengaruh positif dan signifikan terhadap risk investment behavior. Namun, financial literacy tidak memoderasi hubungan antara risk tolerance dan risk investment behavior. Sebaliknya, financial literacy terbukti memoderasi secara signifikan hubungan antara herding bias dan risk investment behavior. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan program literasi keuangan serta menjadi referensi bagi akademisi, praktisi, dan pembuat kebijakan dalam meningkatkan kualitas keputusan investasi generasi muda.
Pengaruh Financial Literacy dan Financial Behavior Terhadap Keputusan Berinvestasi Logam Mulia (Emas) : Studi Kasus Toko Emas Sejati Samarinda Fajrial Adzikra; Hidayani Hidayani
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7zy65w54

Abstract

The increasing public interest in gold investment as a relatively stable and low-risk investment instrument motivated this study. This research aims to analyze the influence of financial literacy and financial behavior on investment decisions in precious metals (gold) among consumers of Toko Emas Sejati Samarinda. The study employed a quantitative approach using a survey method by distributing questionnaires to 150 respondents who were consumers of Toko Emas Sejati Samarinda. The data were analyzed using the Structural Equation Modeling (SEM) method based on Partial Least Squares with the assistance of SmartPLS 4 software. The results indicate that financial literacy and financial behavior influence gold investment decisions. These findings suggest that individuals with better financial literacy and more responsible financial behavior tend to make more rational and well-directed decisions when investing in gold
Co-Authors Adrian Azmi Anggi Oktawiranti Fajrial Adzikra Heni Rahayu Rahmawati Justina Ade judiarni M. Amin Kadafi Siti Maria