Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal JURNAL ECONOMINA Journal of Economics, Entrepreneurship, Management Business and Accounting
Sari Angriany Natonis
Universitas Nusa Cendana, Indonesia
Economics, Econometrics & Finance

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Consumer Behavior: A Study on Motorcycle Credit Decisions Yonas Ferdinand Riwu; Sari Angriany Natonis; Viktorianus Mahendra da Lopez; Junita Cestilia Nenabu; Dominikus Kopong Toni Aman
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 5 (2026): Volume 4, Issue 5, September 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i5.899

Abstract

Purpose – This study aims to analyze the influence of Brand Image, Trust, and Experience on consumer credit decisions in FIFGROUP Kupang City. Design/methodology/approach – Quantitative design with purposive sampling and using multiple regression analysis to measure the relationship between these variables. 100 data were collected through a questionnaire survey with purposive sampling tactics, and the data was processed with the help of SPSS V.26. Finding/Results – The results show that Brand Image has a positive influence on credit decisions, where a strong brand image increases consumers' tendency to take credit. In addition, trust proves to be a key factor in building long-term relationships, where consumers' trust in the integrity and transparency of the company greatly influences their decisions. Positive experiences during the credit application process also contribute significantly, with a good experience driving word-of-mouth recommendations. Originality/Value – This research provides suggestions for FIFGROUP to strengthen these three aspects in marketing and customer service strategies to increase conversions and consumer loyalty.
Financial Resilience of Scholarship Recipients: Impact of Literacy and Inclusion through the Lens of Self-Control Sari Angriany Natonis; yonas ferdinand Riwu; Ravel Anwar; Olaf Tri Wilopo Simanjuntak
JURNAL ECONOMINA Vol. 5 No. 9 (2026): JURNAL ECONOMINA, September 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i9.4431

Abstract

Effective financial management is essential for university students, particularly recipients of the KIP-K government scholarship, in maintaining academic and personal stability. Despite receiving financial assistance, many of these students still struggle to manage their funds wisely. This study examines how financial literacy and financial inclusion affect the financial management behavior of KIP-K scholarship recipients in the Business Administration Program at Universitas Nusa Cendana, with self-control as an intervening variable. Using a quantitative case study design, data were collected via questionnaires from 105 KIP-K scholarship students and analyzed using Multiple Linear Regression and Path Analysis, along with validity, reliability, and classical assumption tests. The results show that financial literacy and financial inclusion each have a positive and significant direct effect on financial management behavior, and that self-control significantly influences this behavior as well. Path analysis confirms that self-control effectively mediates the relationship between financial literacy/inclusion and financial management behavior. These findings suggest that while improving financial literacy and inclusion is important, self-control is the decisive factor in translating knowledge and access into disciplined financial habits. Educational institutions are therefore encouraged to provide more targeted financial literacy programs to strengthen students' self-discipline.
Co-Authors Aman, Dominikus K T Nenabu, Junita Cestilia Olaf Tri Wilopo Simanjuntak Ravel Anwar Viktorianus Mahendra da Lopez Yonas F Riwu Yonas Ferdinand Riwu