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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Indonesian Journal of Economics, Business, Accounting, and Management
Johannes Maysan Damanik
Universitas Sarjanawiyata Tamansiswa Yogyakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Social Sciences Other

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Analysis Of The Influence Of Financial Literacy, Ease Of Use, Risk Perception, And Decision To Use QRIS As Digital Payment On FE Students Of Sarjanawiyata Tamansiswa University Yogyakarta Desniawaty Desniawaty; Pristin Prima Sari; Johannes Maysan Damanik
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.8021

Abstract

The purpose of this study is to assess the influence of financial literacy, ease of use, and risk perception on the decision to use QRIS in students of the Faculty of Economics, Sarjanawiyata Tamansiswa University. This study uses a kunitative research method, and sampling is carried out with a purposive sampling approach. This study involved 100 active FE UST students. Data collection was carried out through a questionnaire distributed through a google form with a likert scale of 1-5. Data validity and reliability tests, classical assumption tests, multiple linear regression tests, and hypothesis tests were carried out using the SPSS Ver 25 statistical tool. The results of the study show that partially, the financial literacy of FE UST students has a positive and significant effect on their decision to use QRIS; the ease of use of QRIS has a positive and significant effect on their decision to use QRIS; and the perception of risk negatively affects their decisions. Simultaneously, this shows that financial literacy, ease of use, and risk perception positively and significantly influence QRIS decisions.
Exploring The Impact of Digital Financial Literacy on Financial Decisions Among Yogyakarta Millennials Wilhelmus Taek; Ratih Kusumawardhani; Johannes Maysan Damanik
Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) Vol 3 No 1 (2024): October 2024
Publisher : PT SOLUSI EDUKASI BERDIKARI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63901/ijebam.v3i1.109

Abstract

This study investigates the influence of education, age, and income on the digital financial literacy of millennials residing in Yogyakarta, as well as the relationship between digital financial literacy and financial behaviors such as shopping, and investing. Employing a quantitative research approach, data were collected through a survey of 150 millennial respondents. The findings indicate that socioeconomic factors namely age, education, and income do not significantly impact digital financial literacy. However, the results highlight a strong association between digital financial literacy and millennials' financial behaviors, with substantial influence observed on shopping, and investment decisions. These findings suggest that while socioeconomic characteristics play a limited role in determining digital financial literacy, such literacy remains essential in guiding millennials' financial choices. Ultimately, this study emphasizes the critical role of digital financial literacy in shaping financial behavior, irrespective of the socioeconomic background of millennials.
Co-Authors Desniawaty Desniawaty Pristin Prima Sari Ratih Kusumawardhani Wilhelmus Taek