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p-Index From 2021 - 2026
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All Journal IIJSE Danadyaksa: Post Modern Economy Journal
Muhammad Aldi Losa
Universitas Gunung Rinjani, Lombok Timur, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Accounting Understanding, Financial Inclusion, and Social Environment on Savings Behavior Among MSME Actors in Selong City Muhammad Aldi Losa; A.M. Maturidi
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v4i1.386

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of Indonesia’s economy, yet most MSME actors exhibit low saving behavior. This study examines the influence of accounting understanding, financial inclusion, and social environment on saving behavior among MSME actors in Selong City, East Lombok Regency. Using a quantitative associative approach, data were collected from 95 respondents through a Likert-scale questionnaire. Multiple linear regression analysis was employed to test the hypotheses, after validating the instrument with corrected item-total correlation (r-table = 0.202) and reliability with Cronbach’s alpha (>0.60). Classical assumption tests (normality, multicollinearity, heteroscedasticity) were satisfied. The results show that simultaneously, accounting understanding, financial inclusion, and social environment have a significant effect on saving behavior (F = 51.564, p = 0.000, adjusted R² = 0.653). Partially, financial inclusion has a positive and significant effect (β = 0.770, p = 0.000), and the social environment also has a positive and significant effect (β = 0.268, p = 0.001). However, accounting understanding does not have a significant effect (β = -0.050, p = 0.180). This indicates that access to formal financial services and socio-ecological support are more dominant in shaping saving habits than accounting knowledge alone in traditional MSMEs. The study concludes that expanding financial inclusion through digital agents and strengthening community-based social capital are effective strategies. Future research should include additional variables such as income and self-control.
THE ROLE OF INFLUENCER MARKETING IN BUILDING CONSUMER TRUST: A SYSTEMATIC LITERATURE REVIEW M Rahul Firmansyah; Muhammad Aldi Losa; Robi Yahya
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9687

Abstract

This study aims to systematically examine the role of influencer marketing in building consumer trust within the context of digital marketing. The rapid growth of social media has transformed marketing strategies, positioning influencers as key opinion leaders who shape consumer perceptions and purchasing behavior. Consumer trust has become a critical factor, particularly in an environment characterized by information overload and skepticism toward conventional advertising. This research adopts a qualitative approach using the Systematic Literature Review (SLR) method to synthesize findings from 15 national journal articles published between 2023 and 2026. The selected studies focus on influencer marketing, influencer credibility, consumer trust, and consumer behavior, including purchase intention, purchase decision, loyalty, and repurchase intention. The results of the review indicate that influencer marketing plays a significant role in building consumer trust, primarily through influencer credibility, authenticity of content, and congruence between influencers and brands. Consumer trust is consistently identified as a key mediating or moderating variable that explains how influencer marketing affects consumer behavior. Furthermore, the findings highlight that influencer marketing is particularly effective among Generation Z consumers, who actively rely on social media influencers as sources of information and recommendations. This study contributes to the digital marketing literature by emphasizing consumer trust as the central mechanism underlying the effectiveness of influencer marketing. Practically, the results suggest that companies should prioritize long-term trust-building strategies by selecting credible influencers and creating authentic, value-driven content to enhance sustainable consumer relationships.
Co-Authors A.M. Maturidi M Rahul Firmansyah Robi Yahya