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All Journal Journal Economic Excellence Ibnu Sina Determinasi: Jurnal Penelitian Ekonomi Manajemen dan Akuntansi
Khoiru Nisa Nurul Mafkhurotun
Universitas Muhammadiyah Surakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Mengintegrasikan Strategi Penetapan Harga dengan Perilaku Konsumen: Implikasi terhadap Daya Saing Bisnis Nurul Afifah; Sonya Yanuar Afiati; Sekar Jati Ayuningtyas; Khoiru Nisa Nurul Mafkhurotun
Determinasi: Jurnal Penelitian Ekonomi Manajemen dan Akuntansi Vol. 4 No. 3 (2026)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/determinasi.v4i3.643

Abstract

This study explores the integration of pricing strategies with consumer behaviour and its implications for business competitiveness. By analyzing various pricing models and consumer decision-making processes, the research identifies how aligning pricing tactics with consumer preferences can enhance market positioning and profitability. The finding suggest that businesses adopting consumer-centric pricing strategies are better equipped to respond to market dynamics, increase customer loyalty, and sustain competitive advantage. This paper provides practical insights for managers aiming to optimize pricing decisions in a highly competitive environment.
Pengaruh Literasi Keuangan Digital terhadap Motivasi dan Keputusan Investasi Emas Digital pada Pengguna Aplikasi Byon By BSI di Solo Raya Analisis Berdasarkan Theory Of Planned Behavior Khoiru Nisa Nurul Mafkhurotun; Muhammad Sholahuddin
Journal Economic Excellence Ibnu Sina Vol. 4 No. 3 (2026): September: Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v4i3.4274

Abstract

The development of Sharia fintech has driven an increase in digital gold investments through the BYON by BSI application. This study aims to analyze the influence of digital financial literacy and attitudes toward digital investment on investment decisions in digital gold, with investment motivation and perceived behavioral control serving as mediating variables. This study employs a quantitative explanatory research approach involving 252 respondents selected through purposive sampling. Data were collected using questionnaires and analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with SmartPLS software. The results indicate that digital financial literacy and attitudes toward digital investment have positive and significant effects on decisions to invest in digital gold. Furthermore, investment motivation and perceived behavioral control mediate the relationships between digital financial literacy, attitudes toward digital investment, and investment decisions. These findings highlight the importance of financial knowledge, favorable investment attitudes, motivation, and perceived behavioral control in encouraging digital gold investment within the Sharia fintech ecosystem. This study contributes to the development of the Modified Theory of Planned Behavior (TPB) by providing empirical evidence of its applicability to Sharia-compliant digital gold investment through a digital banking platform. The findings may also inform strategies to strengthen digital financial literacy and promote informed investment decisions among potential investors
Co-Authors Muhammad Sholahuddin Nurul Afifah Sekar Jati Ayuningtyas Sonya Yanuar Afiati