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All Journal Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Riset Bisnis dan Manajemen Jurnal Kedaymas
Dewi Ayu Wulandari
Universitas Hayam Wuruk Perbanas
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALYSIS OF MILLENIAL GENERATION BEHAVIOR IN FINANCIAL PERSPECTIVE Dewi Ayu Wulandari
Jurnal Riset Bisnis dan Manajemen Vol. 15 No. 2 (2022): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v15i2.5782

Abstract

Nowadays, millennials are at productive age. They are forced to make financial decisions. These decisions require the ability, knowledge, and good financial behavior. This study aims to find out the level of financial capability which is measured by knowledge, skills, and attitude; financial behavior which is measured by practice regarding cash, credit, and saving management, and their effect on financial satisfaction which is measured by subjective assessments of satisfaction of asset, credit, and saving management on millennials in Surabaya, Sidoarjo, Gresik, and Bangkalan regions. Data are obtained through direct and online surveys of 200 millennials using purposive and snowball sampling techniques. The results of this study show that financial capability has a positive effect on financial behavior. The better their financial management ability, the better their financial behavior. Financial behavior has an effect on financial satisfaction and mediates the relation between financial capability and financial satisfaction.
Pelatihan Digital Marketing Untuk Meningkatkan Digital Literacy Umkm Rusunawa Wonorejo, Surabaya Lindiawati Lindiawati; Romi Ilham; Heri Supriyanto; Dewi Ayu Wulandari; Yudha Delonix Renzina
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Publisher : Jurnal KeDayMas: Kemitraan dan Pemberdayaan Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/kedaymas.v3i2.3990

Abstract

In ‘Rusunawa’ (a rented simple flat which belongs to the Surabaya government, at Wonorejo, Rungkut District, Surabaya) there are about thirty MSMEs (Micro-small-medium entrepreneurs) whose market response is relatively low. This is due to the limited number of the target market mostly ranging from those living in ‘rusunawa’ to relatives and friends contacted through social media. The business owners have not accessed to other customers through optimizing social media uses specifically to offer products and manage orders. Based on problem root, it is necessary to give the MSMEs a training to set up and manage simple application such as WhatsApps Business, Google Business, and Instagram. These applications are popular, potentially easy to learn, set, and apply by MSME owners which are household wives. The training, firstly, was not immediately expected to increase sales, rather to increase their digital literacy first. One big obstacle encountered was that household wives who mostly are above forty years old were not familiar with social media. That’s why there were only limited participants actively implementing the training. They have shown good performance in optimizing social media use falling to the areas of making account of WhatsApp Business, intensively upload content in that business application and Instagram. The training has triggered and improved the participants’ digital literacy.
Pengaruh Gaya Hidup, Financial Literacy Dan Locus Of Control Terhadap Perilaku Adinda Ayu Sudaryati; Dewi Ayu Wulandari
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.1702

Abstract

Perilaku konsumtif adalah frekuensi kegiatan yang dilakukan dilakukan seseorang dalam mengkonsumsi barang atau jasa secara berlebihan. Gaya hidup adalah suatu kegiatan yang dilakukan oleh seorang individu dalam membeli barang bermerk dan mengikuti trend terbaru. Penelitian ini dilakukan untuk menguji pengaruh gaya hidup, financial literacy dan locus of control terhadap perilaku konsumtif. Jumlah responden dari penelitian ini yaitu sebanyak 141 responden yang berasal dari wilayah Kota Surabaya dan Kabupaten Sidoarjo dengan kriteria berusia 18-35 tahun yang telah lulus dari tingkat pendidikan sekolah menengah atas yang sudah memiliki pekerjaan atau seseorang yang sedang melanjutkan studi sarjana dan memiliki pekerjaan. Responden dipilih dengan cara purposive sampling. Dengan teknik analisis dara yang digunakan yaitu Partial Least Square Equation Modelling dengan menggunakan program Warp-PLS 7.0. Hasil penelitian ini membuktikan bahwa gaya hidup berpengaruh positif signfikan terhadap perilaku konsumtif artinya semakin tinggi gaya hidup individu, maka semakin tinggi perilaku konsumtif seseorang atau sebaliknya, financial literacy dan locus of control tidak berpengaruh negatif signifikan terhadap perilaku konsumtif.
Co-Authors Adinda Ayu Sudaryati delonix, yudha Heri Supriyanto Lindiawati Lindiawati Romi Ilham