Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Jurnal Publikasi Ekonomi dan Akuntansi
Sanusi Dwiky Sanyoto
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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

Found 2 Documents
Search

 1 
Perilaku Pengelolaan Keuangan Dan Pengambilan Keputusan Finansial Oleh Driver Ojek Online Maxim Di Kota Surakarta Sanusi Dwiky Sanyoto; Aris Eddy Sarwono
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 5 No. 2 (2025): Mei: Jurnal Publikasi Ekonomi dan Akuntansi (JUPEA)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v5i2.3864

Abstract

This study aimed to examine the financial management practices and decision-making of Maxim drivers in Surakarta. The qualitative approach was used by interviewing twenty drivers as informants through in-depth interviews. Thematic data analysis was employed to find recurring patterns of financial management practice in the context of being online motorcycle taxi drivers. The findings reveal that the majority of drivers dispense their wages based on immediate needs, preferring immediate consumption such as fuel and food. Monetary decision-making is primarily driven by income uncertainty, with the majority of drivers accepting all incoming trips despite the fairly low fare. Moreover, the research shows that there is a distinct financial management pattern among online motorcycle taxi drivers who are also students, allocating a portion of their income regularly for tuition payments. Based on these findings, the research concludes that there is a necessity for improved financial literacy education among online motorcycle taxi drivers and that these must be supported by technologies to help them manage their finances better.
Perilaku Keuangan Driver Ojek Online di Kota Surakarta Dalam Perspektif Akuntansi Keperilakuan Sanusi Dwiky Sanyoto; Rispantyo Rispantyo
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 2 (2026): Mei : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i2.6816

Abstract

This research is based on the unstable and unpredictable nature of online motorcycle taxi drivers' income, which requires flexible financial management. In this situation, financial decisions are influenced by both rational considerations and psychological elements. This study aims to analyze how income is managed and expenditures are distributed, identify the impact of behavioral biases on financial decision-making, and understand how online motorcycle taxi drivers in Surakarta record and control their personal finances through a behavioral accounting perspective. This study uses a qualitative approach through in-depth interviews with online motorcycle taxi drivers as a source of information. Data are processed descriptively by linking field research findings with behavioral accounting concepts and behavioral bias theory. The results indicate that income management is carried out adaptively, prioritizing operational expenses and daily needs. Mental accounting factors, such as present bias, loss aversion, anchoring, and overconfidence, influence the financial decision-making process. Financial recording activities are carried out in a simple manner as an effort to control themselves. This research confirms that drivers' financial behavior does not strictly follow economic logic, making a behavioral accounting perspective relevant to explaining this phenomenon
Co-Authors Aris Eddy Sarwono Rispantyo Rispantyo