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All Journal Journal of Artificial Intelligence and Engineering Applications (JAIEA) JPNM : Jurnal Pustaka Nusantara Multidisiplin Journal of Indonesian Management
Fadali Rahman
Universitas Madura
Religion Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Peran Digital Marketing dalam Meningkatkan Daya Saing UMKM di Era Ekonomi Digital Fadali Rahman; Adriani Kusuma; Akhmad Maulana Afrizal; Nurul Hidayah Ansori; Rahmadani Rahmadani
Journal of Indonesian Management Vol. 5 No. 4 (2025): December
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v5i4.3571

Abstract

The advancement of digital technology has brought significant changes to modern marketing systems, particularly for MSMEs Micro, Small, and Medium Enterprises. In the digital economy era, digital marketing has become a crucial strategy for increasing competitiveness and expanding market reach. Many MSMEs have begun utilizing social media platforms, marketplaces, and websites to effectively promote their products. Through this approach, MSMEs can interact directly with consumers, build brand image, and increase sales without incurring large marketing costs. Digital marketing also provides access to a variety of data and analytics that help businesses understand market behavior and needs, allowing for more precise marketing strategies. However, challenges such as limited digital literacy, a lack of competent human resources, and uneven digital infrastructure remain major obstacles for some MSMEs. Therefore, government support, education, and ongoing training are needed to help MSMEs optimize their digital marketing potential. With the right digital strategy implementation, MSMEs have a significant opportunity to compete more effectively in the increasingly dynamic digital economy.
Investment Policy Analysis Between Generation Z and Millennial Generation Fadali Rahman; Aditya Iskandar Syah; Aisyah Safitri aisyah; Ayu Maulidia ayu; subhan subhan
Journal of Artificial Intelligence and Engineering Applications (JAIEA) Vol. 5 No. 2 (2026): February 2026
Publisher : Yayasan Kita Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59934/jaiea.v5i2.1847

Abstract

This study aims to analyze and This study uses a quantitative approach with a comparative associative survey method and involves 100 respondents (50 Gen Z and 50 Millennials) who are domiciled in Indonesia and have investment experience, with a purposive sampling technique . comparing investment policies between Generation Z and Millennials in Indonesia. These two demographic groups are "Digital Natives" who are familiar with the development of information technology and investment applications. Primary data were collected through an online questionnaire and analyzed using Multiple Linear Regression and Independent Sample t-test with the help of the SPSS program.The results of the regression analysis show that financial literacy (X1), investment knowledge (X2), and investment risk (X3) simultaneously and partially have a significant effect on investment policy (Y) in both generations. The coefficient of determination (R2) value of 0.652 indicates that 65.2% of the variation in investment policy can be explained by these three variables.The results of the comparative test ( Independent Sample t-test ) with a Sig. (2-tailed) value = 0.018 (<0.05) indicate a significant difference in investment policies between Generation Z and the Millennial Generation.Generation Z (born 1996–2010) tends to be more daring in taking risks and is quicker in adopting digital investment technologies such as applications (Bibit, Bareksa, Ajaib, IPOT), and chooses instruments with medium to high risk (stocks and digital assets).The Millennial generation (born 1981–1995) exhibits more conservative behavior , oriented towards the security and stability of assets , with a preference for relatively low-risk instruments such as mixed mutual funds, deposits, and blue-chip stocks.These findings reinforce Behavioral Finance theory , emphasizing the importance of individual understanding, experience, and risk perception in investment decision-making. The research's implications suggest the need for the government/OJK to expand digital financial literacy programs tailored to each generation, as well as the development of educational and secure features by securities firms.
Pengaruh Perilaku Konsumtif dan Literasi Keuangan Terhadap Hedonisme dalam Penggunaan Qris Mahasiswa Universitas Madura: Perspektif Theory of Planned Behavior Fadali Rahman; Wahyu Maulana; Dhea Aulia Fauziah; Qoribul Lathif; Sofyan Alkarim
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 3 No. 4 (2025): December : Jurnal Pustaka Nusantara Multidisiplin (ACCEPTED)
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v3i4.903

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perilaku konsumtif dan literasi keuangan terhadap hedonisme penggunaan QRIS pada mahasiswa Universitas Madura. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui kuesioner yang disebarkan kepada mahasiswa sebagai responden dan dianalisis menggunakan regresi linear berganda. Hasil uji parsial (uji t) menunjukkan bahwa perilaku konsumtif berpengaruh positif dan signifikan terhadap hedonisme penggunaan QRIS dengan nilai signifikansi 0,000, sedangkan literasi keuangan berpengaruh negatif dan signifikan dengan nilai signifikansi 0,002. Hasil uji simultan (uji F) menunjukkan bahwa perilaku konsumtif dan literasi keuangan secara bersama-sama berpengaruh signifikan terhadap hedonisme penggunaan QRIS. Nilai koefisien determinasi menunjukkan bahwa variabel perilaku konsumtif dan literasi keuangan mampu menjelaskan sebagian besar variasi hedonisme penggunaan QRIS, sementara sisanya dipengaruhi oleh faktor lain di luar model penelitian. Temuan ini menunjukkan bahwa tingginya perilaku konsumtif mendorong penggunaan QRIS secara hedonis, sedangkan literasi keuangan berperan dalam menekan kecenderungan tersebut. Oleh karena itu, peningkatan literasi keuangan menjadi penting untuk mendorong penggunaan pembayaran digital yang lebih bijak di kalangan mahasiswa.
Co-Authors Aditya Iskandar Syah Adriani Kusuma Aisyah Safitri aisyah Akhmad Maulana Afrizal Ayu Maulidia ayu Dhea Aulia Fauziah maulana, Wahyu Nurul Hidayah Ansori Qoribul Lathif Rahmadani Rahmadani Sofyan Alkarim Subhan, Subhan