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Cognitive and Lifestyle Drivers of Financial Behavior: The Moderating Roles of Locus of Control Leonardo Davidsi Sipayung; Andhi Febisatria; Eureka Try Zarazwanty R. Laega
PINISI Discretion Review Volume 9, Issue 2, March 2026
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/pdr.v1i2.83187

This study examines the effect of financial literacy, digital financial literacy, financial attitudes, and hedonistic lifestyle on students’ financial behavior, with locus of control and self-efficacy as moderating variables. A quantitative approach with an explanatory research design was employed, involving 300 students from the Faculty of Social Sciences and Law at the State University of Makassar, selected through purposive sampling. Data were collected through a Likert scale questionnaire and analyzed using Structural Equation Modelling based on Partial Least Squares (SEM-PLS). The research findings indicate that financial literacy and financial attitudes have a significant influence on locus of control and financial behavior. In contrast, digital financial literacy and hedonistic lifestyle do not have a significant effect on either locus of control or financial behavior. Locus of control significantly affects financial behavior and moderates the relationships between financial literacy and financial attitudes on financial behavior. Conversely, self-efficacy does not have a significant impact on financial behavior and does not function as a moderating variable. These findings indicate that internal control is a more efficient psychological mechanism than self-confidence alone in influencing students’ financial behavior. The implications of this research highlight the importance of enhancing financial literacy and attitudes that synergize with the development of self-control in financial education programs at universities.

Pemanfaatan Aplikasi Digital Career Kit dalam Sosialisasi Kesiapan Karier Mahasiswa Tingkat Akhir Program Studi Adminstrasi Bisnis Universitas Negeri Makassar Zulfahmi Zulfahmi; Muh. Rizal S; Maya Kasmita; Aryan Agus Pratama; Eureka Try Zarazwanty R. Laega
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 3 (2026): MEI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/nvv9z254

Persaingan dunia kerja saat ini menuntut mahasiswa tingkat akhir untuk memiliki kesiapan karier (career readiness) yang matang sejak berada dibangku perkuliahan. Karena itu, pengabdian kepada masyakarat (PKM) ini bertujuan untuk mengoptimalkan kesiapan karier mahasiswa tingkat akhir Program Studi Administrasi Bisnis Universitas Negeri Makassar melalui pemanfaatan aplikasi yang inovatif berbasis web/platform yang Bernama “Digital Career Kit”. Aplikasi ini diintegrasikan sebagai meida intervensi digital yang nantinya memuat enam fitur utama didalam platform tersebut diantaranya, Peta Karier lulusan, Panduan CV, Tips Wawancara Kerja, Informasi Lowongan kerja & Magang, Asesemen Kesiapan Karier, serta Layanan Konsultasi terkait kesiapan karier. Adapun metode pelaksanaan pengabdian ini dilakukan dengan tiga tahapan yaitu tahap perisapan (analisis kebutuhan), tahap pelaksanaan (sosialisasi interaktif da demosntrasi langsung), serta tahap evaluasi kualitatif yang berbasi deskriptif berdasarkan dnamika kelompok dan umpan balik dari peserta dalam pengabdian ini. Hasil pelaksanaan pengabdian ini menunjukkan bahwa pemanfaatan Digital Career Kit ini mampu membuka pola pikir mahasiswa yang tadinya pasif terhadap kesiapan karier dan mengalami kecemasan karier (job hunting anxiety) menjadi lebih terarah, terstruktur, dan memiliki efikasi diri yang tinggi terhadap kariernya (career self efficacy). Dalam hal ini, dokumen dan instrumen yang terhubung atau terintegrasi dalam satu akses digital ini berhasil memudahkan mahasiswa dalam memetakan potensi dirinya dan merencanakan Langkah kariernya secara mandiri setelah lulus dari Porgram studi administrasi Bisnis Universitas Negeri Makassar.

Fear of Missing Out (FOMO) in Ready-to-Drink Coffee Consumption among Young People in Makassar Siti Syarifah Wafiqah Wardah; Eureka Try Zarazwanty R. Laega; Zulfahmi Zulfahmi
Business Research and Administration Innovation Vol. 3 No. 1 (2026): BRAIN - APRIL
Publisher : Fakultas Ilmu Sosial dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/brain.v3i1.59

This study aims to: (1) deeply understand the Fear of Missing Out (FOMO) phenomenon in ready-to-drink coffee consumption among young people in Makassar City, and (2) explore how FOMO shapes consumption behavior patterns in social contexts and social media use. The theoretical framework encompasses consumer behavior theory, FOMO in social psychology, and the influence of social media on purchasing decisions. This research employs a descriptive phenomenological qualitative approach through in-depth interviews with 16 informants aged 17–29 years in Makassar. Thematic analysis was applied. Results show: first, FOMO manifests as a real and significant phenomenon in ready-to-drink coffee consumption, expressed through curiosity toward viral products, impulse to follow trends, and fear of being left out of social experiences; second, FOMO shapes consumption patterns through three main mechanisms social media trends (Instagram and TikTok as amplifiers), peer group pressure, and the need for social identity and existence. The convenience of ready-to-drink format serves as a catalyst shortening the distance between FOMO-driven impulse and actual purchase. The novelty lies in qualitative exploration of FOMO in practical beverage consumption in Indonesian urban settings. Findings contribute to the theoretical understanding of FOMO as a consumer behavior determinant with practical implications for coffee businesses and policymakers.

From City Branding Narratives to Consumer Experience: The Role of Culinary SMEs in Shaping City Image Fahrian Arsyam Gultom; Eureka Try Zarazwanty R. Laega; Nurhasni Muis
Business Research and Administration Innovation Vol. 3 No. 1 (2026): BRAIN - APRIL
Publisher : Fakultas Ilmu Sosial dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/brain.v3i1.66

Culinary-based city branding has increasingly been adopted as a strategic approach to enhance urban competitiveness and local economic development. This study aims to examine the role of culinary small and medium-sized enterprises (SMEs) in translating the city branding narrative of “Makassar Kota Makan Enak” into tangible consumer experiences. Employing a qualitative descriptive approach, this study is based on document analysis of official government publications, tourism reports, and relevant academic literature. The findings indicate that culinary SMEs function as strategic actors in shaping the experiential dimension of city branding by directly interacting with consumers and visitors. The effectiveness of the city branding initiative is influenced not only by the consistency of branding messages at the policy level, but also by the degree of alignment between branding narratives and everyday business practices of SMEs. Structural challenges, including limited branding literacy and uneven business capacity, may contribute to potential misalignment between brand promises and consumer experiences. This study contributes conceptually to the city branding and SME branding literature by emphasizing the importance of alignment between macro-level branding narratives and micro-level business practices. The findings highlight the need for collaborative and facilitative approaches in strengthening culinary-based city branding initiatives.

Integrasi Persepsi Kegunaan, Kualitas Sistem, dan Kredibilitas Algoritma dalam Mendorong Adopsi AI Marketing Andhi Febisatria; Aryan Agus Pratama; Leonardo Davidsi Sipayung; Eureka Try Zarazwanty R. Laega; Zulfahmi
Jurnal Salingka Nagari Vol. 4 No. 2 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jsn.v4i2.361

Provide The utilization of Artificial Intelligence (AI) in digital marketing has grown rapidly, yet adoption levels among business actors remain varied. This study aims to analyze the influence of perceived usefulness, system quality, and algorithm credibility on the intention to use AI marketing. The research sample consisted of 100 business actors who have experience using AI marketing, distributed across Indonesia. A quantitative approach was employed, with data collected through surveys and analyzed using simple and multiple regression to examine the effects of independent variables on the intention to use AI marketing. The results indicate that perceived usefulness, system quality, and algorithm credibility have both partial and simultaneous positive and significant effects on the intention to adopt AI marketing. These findings highlight the importance of enhancing understanding of technological benefits, system reliability, and algorithm transparency to promote AI adoption in digital marketing practices, providing strategic implications for AI developers and business actors.

Middlemen Dominance over Salt Prices and Its Implications on Farmers' Profitability in Jeneponto: A Business Law and Financial Perspective Siti Syarifah Wafiqah Wardah; Eureka Try Zarazwanty R. Laega
Jurnal Administrasi Bisnis Vol 5, No 3 (2026) September
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jab.v5i3.88784

This study aims to analyze the mechanism of middlemen dominance in salt price determination and its impact on farmers' profitability in Bangkala District, Jeneponto Regency, while examining the business law framework governing the trading relationship between farmers and middlemen. The study employs a mixed method approach integrating normative and empirical methods. The empirical component uses descriptive qualitative methods with in-depth interviews of nine informants consisting of three salt farmers, three middlemen, and three consumers. The normative component applies statutory and conceptual approaches to the Civil Code, Law No. 5/1999, Law No. 7/2014, and Law No. 20/2008. Results indicate that middlemen control the salt purchase price through two mechanisms: (1) market information asymmetry that positions farmers as price takers; and (2) informal price coordination among middlemen that eliminates purchasing competition. Salt prices fluctuated between IDR 50,000 to 150,000 per 50 kg throughout 2025, yet farmers cannot capitalize on high-price periods due to seasonally limited production capacity. From a business law perspective, the contractual relationship between farmers and middlemen contains positional imbalances potentially violating Articles 1320-1321 of the Civil Code and the provisions of Law No. 5/1999 on the Prohibition of Monopolistic Practices. The study recommends three integrative policies: establishing a minimum purchase price for traditional salt through regional regulations, facilitating direct marketing cooperatives, and expanding rural credit access in the maritime sector.

Financial Performance Determinants of Plantation Companies Listed on the Indonesia Stock Exchange Eureka Try Zarazwanty R. Laega; Fitriana; Leonardo Davidsi Sipayung
Business Research and Administration Innovation Vol. 3 No. 2 (2026): BRAIN - AUGUST
Publisher : Fakultas Ilmu Sosial dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/brain.v3i2.78

Financial performance is an important indicator of a company's ability to utilize its assets and generate profits. This study aims to examine the effect of liquidity, leverage, firm size, and sales growth on the financial performance of plantation subsector companies listed on the Indonesia Stock Exchange during the 2022–2025 period. This study employs a quantitative approach with a causal research design using secondary data obtained from annual reports and audited financial statements. The sample was selected using purposive sampling based on predetermined criteria, while the data were analyzed using descriptive statistics and multiple linear regression with Return on Assets (ROA) as the proxy for financial performance. Liquidity was measured using the Current Ratio (CR), leverage using the Debt-to-Equity Ratio (DER), firm size using the natural logarithm of total assets, and sales growth using the annual percentage change in sales. The results show that liquidity has a positive but statistically insignificant effect on ROA, while leverage has a negative and statistically significant effect on ROA. Firm size does not have a statistically significant effect on ROA, whereas sales growth has a positive and statistically significant effect on ROA. Furthermore, the F-test indicates that liquidity, leverage, firm size, and sales growth simultaneously have a significant effect on ROA. These findings indicate that leverage and sales growth are the financial factors that demonstrate significant partial relationships with the financial performance of plantation companies in the observed sample. The study provides additional empirical evidence regarding the determinants of financial performance in the plantation sector and suggests that future research consider longer observation periods, broader samples, and additional financial and operational variables.

Understanding Sellers' Intention to Adopt Live Commerce: The Roles of Perceived Platform Effectiveness and Perceived Economic Benefit in Tokopedia Play Andhi Febisatria; Eureka Try Zarazwanty R. Laega; Aryan Agus Pratama; Fitriana Fitriana; Leonardo Davidsi Sipayung
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 4 No. 4 (2026): Oktober: JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v4i4.2466

. The rapid development of live commerce has transformed digital marketing practices by enabling real-time interactions between sellers and consumers, thereby increasing the importance of platform adoption in improving online business performance. Although Tokopedia Play is part of Indonesia's largest e-commerce ecosystem, its adoption rate remains lower than that of competing live shopping platforms. This condition highlights the need to better understand the factors influencing sellers' intention to use the platform. This study aims to examine the effects of perceived platform effectiveness and perceived economic benefit on intention to use Tokopedia Play. A quantitative approach with an explanatory survey design was employed, involving online sellers in Indonesia who were selected using purposive sampling. Data were collected through a structured questionnaire using a five-point Likert scale and analyzed using multiple linear regression. The findings reveal that both perceived platform effectiveness and perceived economic benefit have positive and significant effects on intention to use Tokopedia Play. Perceived platform effectiveness emerged as the most influential factor, indicating that sellers primarily consider system reliability, ease of use, interactive features, and overall platform performance when deciding to adopt live commerce. Furthermore, perceptions of economic benefits, including improved business performance, greater operational efficiency, and broader market reach, further strengthen sellers' intention to use the platform. This study contributes to the technology adoption literature by integrating the Technology Acceptance Model (TAM) and Perceived Value Theory within the context of live commerce from the sellers' perspective. The findings also provide practical implications for digital platform providers by emphasizing the importance of continuously improving platform quality while delivering tangible business value to encourage greater seller participation in the live commerce ecosystem.

Revisiting Source Credibility Theory in Live Commerce: The Effects of Host Expertise, Trustworthiness, and Attractiveness on Digital Customer Engagement Andhi Febisatria; Eureka Try Zarazwanty R. Laega; Aryan Agus Pratama; Fitriana Fitriana; Leonardo Davidsi Sipayung
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 4 No. 4 (2026): Oktober: JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v4i4.2467

The widespread adoption of live commerce has fundamentally reshaped digital interactions between businesses and consumers by enabling real-time communication and product promotion. Nevertheless, customer participation within these platforms remains largely transactional, indicating that meaningful Digital Customer Engagement (DCE) has yet to be fully achieved. This study investigates the influence of host live expertise, host live trustworthiness, and host live attractiveness on Digital Customer Engagement in live commerce environments. An explanatory quantitative research design was employed, and data were obtained through a structured questionnaire administered to 100 respondents with prior experience watching or interacting with live commerce sessions. Respondents were selected using purposive sampling, while multiple linear regression analysis was applied to examine the proposed relationships after confirming the validity and reliability of the measurement instrument. The empirical findings demonstrate that host live expertise, host live trustworthiness, and host live attractiveness each exert a positive and statistically significant effect on Digital Customer Engagement. Moreover, the three dimensions collectively provide a substantial contribution to explaining customers' engagement behavior during live-stream shopping activities. These findings highlight that consumers become more actively involved when hosts are perceived as knowledgeable, credible, and personally appealing, thereby encouraging stronger cognitive, emotional, and behavioral engagement. This study extends the application of Source Credibility Theory within the live commerce context by demonstrating that multiple dimensions of host credibility simultaneously shape digital customer engagement. From a managerial perspective, the findings suggest that organizations should prioritize the development of hosts' professional competence, credibility, and interpersonal appeal to create more engaging live commerce experiences and strengthen sustainable customer relationships.

Digital Consumer Intention Toward Bukalapak: UTAUT-Based Technology Acceptance Analysis. Andhi Febisatria; Leonardo Davidsi Sipayung; Aryan Agus Pratama; Eureka Try Zarazwanty R. Laega; Zulfahmi Zulfahmi
JURNAL Al-AZHAR INDONESIA SERI SAINS DAN TEKNOLOGI Vol. 11 No. 3 (2026): September 2026
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/sst.v11i3.5530

This research addresses declining Bukalapak traffic and competitiveness against platforms such as Shopee, Tokopedia, and Lazada. This study examines the influence of performance expectancy, effort expectancy, social influence, and facilitating conditions on consumers’ intention to continue using the Bukalapak application in Indonesia. A quantitative approach was employed through a survey of 100 respondents selected using purposive sampling. Data were analyzed using validity, reliability, coefficient of determination, t-test, and F-test. Findings show that all four independent variables positively and significantly influence users’ intention to continue using Bukalapak, with social influence demonstrating the strongest contribution. The coefficient of determination indicates that these variables explain 65.9% of variance in behavioral intention. These findings support the applicability of the Unified Theory of Acceptance and Use of Technology (UTAUT) in explaining consumer behavior in digital marketplaces. The study recommends strengthening innovation, ecosystem integration, social-commerce engagement, and technological infrastructure to improve sustainable user adoption and competitiveness.

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