Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Innovative and Creativity
Mutawaqil Bilah Tumanggor
Universitas Muslim Nusantara Al Washliyah Medan
Humanities Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
The Influence of Financial Planning and Self-Control on GenerationZ’s Consumptive Behavior on E-Commerce Platforms Aswin Akbar; Emelia Rahmadany Putri Gami; Mutawaqil Bilah Tumanggor; Nova Azzahra
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7498

Abstract

This study examines the influence of financial planning and self-control on consumptive behavior among Generation Z users of e-commerce platforms in Indonesia. The increasing intensity of online shopping, supported by digital payments, promotional strategies, and platform convenience, has encouraged impulsive and excessive purchasing patterns among young consumers. Using a quantitative explanatory approach, data were collected from 150 Indonesian Generation Z respondents aged 17–27 who had made at least one e-commerce purchase within the last six months. The research instrument employed a five-point Likert scale to measure financial planning, self-control, and consumptive behavior. Prior to hypothesis testing, the instrument was evaluated through validity and reliability tests, and the regression model was assessed using classical assumption tests, including normality, multicollinearity, and heteroscedasticity. Multiple linear regression analysis was applied to examine the partial and simultaneous effects of financial planning and self-control on consumptive behavior. The results indicate that financial planning has a negative and significant effect on consumptive behavior, suggesting that individuals who plan budgets, allocate expenditures, and set financial priorities are less likely to engage in unplanned online purchases. Self-control also shows a negative and significant effect, with a stronger influence, highlighting the importance of impulse regulation and resistance to promotional triggers in digital marketplaces. The F-test confirms that financial planning and self-control simultaneously affect consumptive behavior, supporting the proposed research model. The coefficient of determination shows that the model explains a substantial proportion of the variance in consumptive behavior, while the remaining variance may be attributed to factors such as lifestyle, social influence, and platform-driven stimuli. This study contributes to the understanding of Gen Z consumption in Indonesia and provides practical implications for financial education and behavioral interventions to promote responsible e-commerce spending.
Penyuluhan dan Pelatihan Manajemen Keuangan Bagi Pelaku Usaha UMKM di Desa Binjai Bakung Pantai Labu: Pengabdian Emelia Rahmadany Putri Gami; Mutawaqil Bilah Tumanggor; Lusiah Lusiah; Arifin Arifin; Dewi Rafiah Pakpahan
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.5500

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) berperan strategis dalam perekonomian daerah, namun masih menghadapi kendala, terutama dalam pengelolaan keuangan. Pelaku UMKM di Desa Binjai Bakung, Kecamatan Pantai Labu, Kabupaten Deli Serdang, umumnya belum mampu melakukan pencatatan dan penyusunan laporan keuangan sederhana serta memisahkan keuangan usaha dan pribadi, sehingga berpotensi menghambat keberlanjutan usaha. Kegiatan Pengabdian kepada Masyarakat ini bertujuan meningkatkan pengetahuan dan keterampilan manajemen keuangan melalui penyuluhan dan pelatihan yang berfokus pada perencanaan dan pengelolaan modal, pendistribusian keuntungan, serta pencatatan arus kas. Metode pelaksanaan meliputi tahap persiapan, pelaksanaan, dan evaluasi dengan pendekatan partisipatif berupa ceramah, diskusi, dan praktik penyusunan laporan keuangan sederhana. Kegiatan tatap muka ini diikuti 15 pelaku UMKM dan menunjukkan peningkatan pemahaman peserta tentang pentingnya manajemen keuangan, kemampuan mencatat transaksi, serta menyusun laporan keuangan sederhana, disertai respons positif dan partisipasi aktif.
Co-Authors Arifin Arifin Aswin Akbar Dewi Rafiah Pakpahan Emelia Rahmadany Putri Gami Gami, Emelia Rahmadany Putri Lusiah Lusiah Nova Azzahra