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All Journal MODUS-Jurnal Ekonomi dan Bisnis Konstelasi: Konvergensi Teknologi dan Sistem Informasi
Wardhani, Nisita
Unknown Affiliation
Computer Science & IT Economics, Econometrics & Finance

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Penentu Minat Penggunaan QRIS Di Tempat Ibadah: Manfaat, Kemudahan, Risiko, dan Kepercayaan Wardhani, Nisita; Indriyani, Yesika
KONSTELASI: Konvergensi Teknologi dan Sistem Informasi Vol. 101 No. 101 (2026): Special Issue Seminar Konstelasi Bali
Publisher : Program Studi Sistem Informasi Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/konstelasi.v101i101.14059

Abstract

This study aims to analyze the determinants of interest in using QRIS in places of worship, namely perceived benefits, ease of use, risk, and trust. The phenomenon shows that students are interested in using QRIS for donations in places of worship. This study adopts a quantitative approach using primary data obtained through questionnaires distributed to students. The sampling method used non-probability sampling, while data analysis was performed using multiple linear regression with SPSS version 27. The results show that perceived benefits and ease of use do not significantly affect interest in using QRIS in places of worship. Conversely, perceived risk has a negative effect on interest in using QRIS in places of worship, meaning that the higher the perceived risk, the lower the interest in its use. Meanwhile, trust showed a significant positive effect on the interest in using QRIS in places of worship. These research results indicate that trust and risk perception are the main determinants of interest in using QRIS in places of worship, while perceived benefits and ease of use are not significant determinants.
Pengaruh Literasi Keuangan, Fintech, dan Gaya Hidup Hedonisme Terhadap Pengelolaan Keuangan Mahasiswa Dengan Gender Sebagai Variabel Moderasi Wardhani, Nisita; Wulandari, Indah
Modus Vol. 38 No. 1 (2026): MODUS
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v38i1.12384

Abstract

This study aims to investigate the impact of financial literacy, financial technology (fintech), and lifestyle hedonism on students' financial management practices, with gender as a moderating variable. A quantitative methodology was used, employing snowball sampling techniques to collect data from 406 students actively enrolled in Sleman, DIY. Data analysis was conducted using Structural Equation Modeling (SEM) facilitated by SmartPLS software. The conclusions drawn from this study indicate that financial literacy and fintech significantly improve financial management, whereas lifestyle hedonism has a negative impact. From a moderation perspective, gender does not moderate the relationship between financial literacy or lifestyle hedonism and financial management. However, it has been shown that gender influences the relationship between fintech and financial management. Keywords: financial literacy, fintech, hedonism, financial management, gender.   Upaya penelitian berusaha untuk menginvestigasi dampak literasi keuangan, teknologi keuangan (fintech), dan hedonisme gaya hidup pada praktik pengelolaan keuangan mahasiswa, dengan fungsi gender sebagai variabel moderasi. Metodologi kuantitatif digunakan menggunakan teknik pengambilan sampel snowball untuk mengumpulkan data dari 406 mahasiswa yang terdaftar secara aktif di Sleman, DIY. Analisis data dilakukan dengan menggunakan Structural Equation Modeling (SEM) yang difasilitasi oleh perangkat lunak SmartPLS. Kesimpulan yang diambil dari penelitian ini menunjukkan bahwa literasi keuangan dan fintech secara signifikan meningkatkan pengelolaan keuangan, sebaliknya, hedonisme gaya hidup memberlakukan dampak negatif. Dari sudut pandang moderasi, gender tidak memoderasi hubungan antara literasi keuangan atau hedonisme gaya hidup dan pengelolaan keuangan. Meskipun demikian, telah ditunjukkan bahwa gender mempengaruhi hubungan antara fintech dan pengelolaan keuangan. Kata kunci: literasi keuangan, fintech, hedonism, pengelolaan keuangan, gender
Co-Authors Indah Wulandari Indriyani, Yesika