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All Journal Manajemen Bisnis Kompetensi DeReMa (Development Research of Management) Jurnal Manajemen Indonesian Journal of Sustainability Accounting and Management Jurnal ULTIMATICS Jurnal ULTIMA Accounting Ultima Management : Jurnal Ilmu Manajemen Jurnal Riset Bisnis dan Manajemen Emerging Markets : Business and Management Studies Journal International Journal Of Science, Technology & Management (IJSTM) Journal of Applied Data Sciences International Journal of Finance Research International Journal of Community Service & Engagement AICS Akuntansi Bisnis & Manajemen (ABM) Prosiding Konferensi Nasional PKM-CSR Business and Entrepreneurial Review International Journal of Business and Applied Economics (IJBAE) Journal Research of Social Science, Economics, and Management Indonesian Journal of Sustainability Accounting and Management Multidiscience: Journal of Multidisciplinary Science
Kurniasari, Florentina
Universitas Multimedia Nusantara
Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Transportation

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The Influence of Environmental Consciousness, Environmental Concern, Perceived Value, Perceived Risk on Purchase Intention Through Product Trust Mediation: Study of the Recycled Product Industry in Banten Province An Nisaa Syauqi Ul Jannah; Prio Utomo; Florentina Kurniasari
Journal Research of Social Science, Economics, and Management Vol. 4 No. 1 (2024): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v4i1.688

Abstract

The waste problem requires a multidimensional approach, especially in processing and sorting at the source, in line with the Sustainable Development Goals of achieving zero waste in the future. The waste bank program has been introduced to support waste reduction and the circular economy, but public interest in recycled products remains low. Banten Province, one of the five provinces with the highest waste tonnage in Indonesia in 2022, showed interest of only 19.3%. This study aims to identify the factors influencing public purchase intention of recycled products, with product trust as a mediating variable. Through online questionnaires and data analysis using SEM PLS, involving 158 respondents in Banten Province, it was found that environmental consciousness, environmental concern, perceived value, and perceived risk significantly influence the purchase intention of recycled products. Additionally, these factors also significantly affect product trust. Mediation analysis shows that product trust can mediate the relationship between environmental consciousness and environmental concern with purchase intention, but it is not optimal in mediating the impact of perceived value and perceived risk. Recommendations for environmental activists in Banten Province include increasing the credibility and clarity of information regarding recycled products, as well as ensuring the cleanliness and safety of these products to directly enhance public purchase intention and support the circular economy in Banten Province.
Evaluation of the Integration of Learning Management Systems with Virtual Reality Platform Farameita, Era; Kurniasari, Florentina; Tjahjana, David
Multidiscience : Journal of Multidisciplinary Science Vol. 2 No. 2 (2025): June
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/multidiscience.v2i2.404

Abstract

This study evaluates the integration of Virtual Reality (VR) into Learning Management Systems (LMS) and its impact on learner engagement, motivation, and retention within a professional training context. Employing a mixed-methods design, data were collected from 200 participants using pre- and post-tests, system-generated metrics, questionnaires based on Self-Determination Theory (SDT), and qualitative interviews. Quantitative analyses, including descriptive statistics, Pearson correlation, t-tests, ANOVA, and multiple regression, revealed that VR usage significantly enhanced learning outcomes, with VR exposure time and perceived learner autonomy emerging as key predictors of retention. Younger and male participants demonstrated higher retention scores, highlighting the moderating effect of age and gender. Qualitative findings supported the quantitative results, indicating increased immersion and conceptual understanding despite minor technical challenges. Confirmatory Factor Analysis (CFA) confirmed the validity and reliability of the measurement instruments. These findings provide empirical support for the pedagogical potential of VR-integrated LMS environments and offer practical recommendations for personalized instructional design in digital education.
Explaining Students' Digital Entrepreneurial Behavior: The Role of Social Media Adoption in an Integrated TPB–UTAUT Model Lestari, Elissa Dwi; Kurniasari, Florentina; Natania, Davina; Kurniawan, Alvin Yuan; Budiyanto, Hendro
Journal of Applied Data Sciences Vol 6, No 4: December 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i4.965

Abstract

Amidst digital transformation and demographic bonuses in Indonesia, the emergence of digital entrepreneurship among the younger generation has become a promising yet challenging phenomenon. The main objective of this study is to develop and empirically evaluate an integrated model that explains students' digital entrepreneurial behavior by integrating psychological and technological viewpoints and combining the Theory of Planned Behavior (TPB) and the Unified Theory of Acceptance and Use of Technology (UTAUT) approaches. TPB has been widely used to predict entrepreneurial intentions and behavior. However, TPB is not yet considered to be able to capture the role of comprehensive technology adoption in the context of digital entrepreneurship. To bridge this gap, this study integrates the UTAUT approach, which focuses on technology acceptance factors. This integration addresses the shortcoming of the TPB by completely including the impact of digital technology adoption on entrepreneurship, while the UTAUT fails to include psychological motivation. PLS-SEM analyzed data from 322 student entrepreneurs who run social media-based enterprises. The study found that the TPB-UTAUT framework explains 62.2% of the variation in social media adoption (R² = 0.622) and 62.6% of the variance in entrepreneurial activity (R² = 0.626). Eight out of nine hypotheses were supported: attitudes (β = 0.330, p 0.001) and perceived behavioral control (β = 0.189, p = 0.008) significantly influenced social media adoption, while attitudes (β = 0.155, p = 0.006), perceived behavioral control (β = 0.295, p 0.001), performance expectancy (β = 0.149, p = 0.011), and social media adoption (β = 0.225, p = 0.001) directly enhanced entrepreneurial behavior. Effort expectation influenced adoption (β = 0.183, p = 0.005) but not behavior (β = 0.101, p = 0.069). The novelty of this study lies in demonstrating that among digital-native students, effort expectancy loses significance in predicting entrepreneurial behavior, indicating a generational shift in technology adoption dynamics. These insights offer theoretical enrichment and practical implications for designing digital entrepreneurship curricula and policies in developing countries.
Analisis Penerapan Trading Strategy dan Investment Strategy Terhadap Saham yang Tergabung Dalam Indeks LQ 45 Wilson, Timothy; Kurniasari, Florentina
Ultimaccounting Jurnal Ilmu Akuntansi Vol 10 No 1 (2018): Ultima Accounting : Jurnal Ilmu Akuntansi
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31937/akuntansi.v10i1.977

Abstract

ABSTRACT The aim of this research is to determine the performance of Trading and Investment Strategy in buying and selling decisions for shares listed in the LQ45 index consistently for period of January 1st 2015 – December 31st, 2017. There are 32 companies selected as sample using purposive sampling method. The research using secondary data which had taken from the stock price in opening and closing market. As a quantitive descriptive research, this research is also analyzed the stock that reached highest and lowest price in the market during that period. The result of this research shows that Investment strategy is the best strategy to produce higher return than Trading strategy, in which UNVR is the best performer. Keywords: Stock Return, Technical Indicator, Investment, Trading, MACD
DETERMINANTS OF EFFECTIVENESS REPAYMENT APPS AT P2P LENDING PLATFORM DURING COVID 19 PANDEMIC IN INDONESIA Kurniasari, Florentina; Utomo, Prio
Ultimaccounting Jurnal Ilmu Akuntansi Vol 13 No 1 (2021): Ultima Accounting : Jurnal Ilmu Akuntansi 
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31937/akuntansi.v13i1.2094

Abstract

Abstract” The advance of technology development today brings an innovation in the financial industries all across the world, including in Indonesia. The financial technology continues to emerge from the sector of payment, investment and loans online or as we are familiar with the term P2P Lending platform. But, the growth of this business had a challenge when the Covid-19 Pandemic hit the country in the early 2020. The P2P lending platform experienced the first highest default rate due the difficulties of the SME's as its major customers' in repaying their loans. The purpose of this research is to analyze the determinants of effectiveness repayment apps for ultra-micro segment on P2P platform in Indonesia. As a quantitative research, primary data were collected through questionnaire answered by 133 respondents who were borrower of the P2P lending platform. The data collection was furthered processed statistically using Structural Equation Method (SEM). The study showed that the repayment decision had significantly influenced by perceived usefulness, perceived ease of use, perceived risk and information quality. Information quality itself had the highest influenced among others. Keywords: Perceived Usefulness; Perceived Ease of Use; Information Quality; Perceived Risks; Repayment Decision; Repayment Apps
Implementation of GASING Stock Gamification to Increase Financial Literacy for High School Students Kurniasari, Florentina
International Journal of Finance Research Vol. 2 No. 4 (2021): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijfr.v2i4.507

Abstract

Financial inclusion played an essential role in increasing the nation's welfare. Therefore, it is crucial to increase financial literacy since the literacy index in Indonesia is still 38,03%. Stock market investment had the lowest contribution toward the level of literacy index. The advancement of ICT and the penetration of internet users support the spreading of financial information among the young generation. Due to its low literacy rate, Indonesians are still vulnerable to false financial information, leading to investment fraud. Gamification is chosen as an alternative method in taking advantage of interactive game development that can easily download via smartphone. The gamification system design, which is named GASING, gives the younger generation adequate information related to secure financial investment. The target game user of GASING is high-school students. The feature of the GASING that offer attractive UI/UX design was expected to increase the knowledge of high-school students in learning stock investment. The usage of GASING gamification was also expected to increase more young generation participation in the Indonesian capital market while simultaneously increasing their knowledge, skills, and confidence in the stock market.
Exploring User Experience of an Interactive LMS for Green Entrepreneurship: An Empirical Study of the GEJUR Platform Kurniasari, Florentina; Wiratama, Jansen; Lestari, Elissa Dwi; Andoko, Andrey; Sony E N, Antonius; Fadhlan, Muhammad; Lala, Yohanes Brian Caesaryano; Hakim, Fayed Abdul; Mubarak, Akhmad Zainal
Journal of Applied Data Sciences Vol 6, No 4: December 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i4.1041

Abstract

This article aims to assess the design, development, and User Experience (UX) of GEJUR, a web-based interactive Learning Management System (LMS) designed to foster green entrepreneurship among youth in Nusa Tenggara Timur (NTT), Indonesia. This study defines green entrepreneurship as entrepreneurial activities that combine economic value creation with environmentally responsible practices that promote sustainability in business. This research enhances the domains of Human–Computer Interaction (HCI) and entrepreneurship education by illustrating how user-centered digital platforms may cultivate youth business competencies while promoting the Sustainable Development Goals (SDGs). GEJUR incorporates interactive learning modules, e-mentoring, and specific cultural features like weaved motifs (pola tenun), providing contextual relevance alongside essential LMS functions. A mixed-methods approach was employed, integrating surveys, Focus Group Discussions (FGDs), semi-structured interviews, and usability testing. Quantitative data were gathered via the System Usability Scale (SUS), whilst qualitative data documented user impressions of obstacles and anticipations. The usability evaluation, conducted with 33 individuals, resulted in a mean SUS score of 48.9, which corresponds to approximately 71.9% of the benchmark score of 68. This positions GEJUR beneath the established threshold, classified as having “poor” usability, although it remains functionally workable. Participants effectively accomplished critical tasks including authentication, course access, and quizzes, and offered favorable feedback regarding the system’s cultural integration. The results highlighted critical areas for enhancement, such as interface uniformity, minimization of response times, and more explicit user feedback. The study finds that GEJUR offers a viable yet improvable foundation for digital entrepreneurship training platforms in underprivileged areas. Subsequent study ought to broaden testing to encompass bigger and more heterogeneous user populations and implement sophisticated UX evaluation criteria beyond the SUS. Through iterative refinement, GEJUR can develop into a scalable platform that facilitates youth empowerment, sustainable business practices, and extensive socio-economic advancement.
The Influence of Environmental Consciousness, Environmental Concern, Perceived Value, Perceived Risk on Purchase Intention Through Product Trust Mediation: Study of the Recycled Product Industry in Banten Province Syauqi Ul Jannah, An Nisaa; Utomo, Prio; Kurniasari, Florentina
Journal Research of Social Science, Economics, and Management Vol. 4 No. 1 (2024): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v4i1.688

Abstract

The waste problem requires a multidimensional approach, especially in processing and sorting at the source, in line with the Sustainable Development Goals of achieving zero waste in the future. The waste bank program has been introduced to support waste reduction and the circular economy, but public interest in recycled products remains low. Banten Province, one of the five provinces with the highest waste tonnage in Indonesia in 2022, showed interest of only 19.3%. This study aims to identify the factors influencing public purchase intention of recycled products, with product trust as a mediating variable. Through online questionnaires and data analysis using SEM PLS, involving 158 respondents in Banten Province, it was found that environmental consciousness, environmental concern, perceived value, and perceived risk significantly influence the purchase intention of recycled products. Additionally, these factors also significantly affect product trust. Mediation analysis shows that product trust can mediate the relationship between environmental consciousness and environmental concern with purchase intention, but it is not optimal in mediating the impact of perceived value and perceived risk. Recommendations for environmental activists in Banten Province include increasing the credibility and clarity of information regarding recycled products, as well as ensuring the cleanliness and safety of these products to directly enhance public purchase intention and support the circular economy in Banten Province.
EFFECTS OF PERCEIVED USEFULNESS, EASE OF USE, RISKS, AND INFORMATION QUALITY OF SALES PRODUCTIVITY APPS ON DSA’S BEHAVIOR Kurniasari, Florentina; Gunardi, Ardi
Jurnal Riset Bisnis dan Manajemen Vol. 16 No. 2 (2023): 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.v16i2.9084

Abstract

Technological advancements have brought innovation in the financial industry with various platforms. Although these platforms are easily accessible, some Indonesians are still reluctant to use them, hence the need for proper introduction and information delivery. Peer-to-peer (P2P) lending platforms need to develop and implement applications that can monitor the activities and increase the productivity of direct sales agents (DSAs) to gain the trust of potential borrowers. This study analyses the influence of perceived usefulness, ease of use, risk, and information quality on the actual behaviour of DSAs when using sales productivity applications with behavioural intention as an intervening variable to be statistically processed using the Structural Equation Method. The questionnaire was distributed to DSAs of Modalku platform. The results showed that DSA's actual behaviour in using the application was significantly influenced by intention to use, perceived usefulness, ease of use, risk, and information quality. Perceived risk has the highest influence.
Determinan Perilaku Gagal Bayar: Model Literasi Keuangan, Niat, dan Sifat Personal (Determinants of Default Behavior: Financial Literacy Model, Intention, and Personal Traits) Fortuna, Annisa Afra; Hasan, Djohan Gunawan; Kurniasari, Florentina
Akutansi Bisnis & Manajemen ( ABM ) Vol 33 No 1 (2026): April
Publisher : STIE Malangkucecwara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35606/jabm.v33i1.1706

Abstract

Amidst the massive growth of online lending and the prevalence of loan default in Indonesia, this research tests an integrated behavioral model to identify its determinants, employing a quantitative PLS-SEM method on 213 online loan users in the Jabodetabek area. Key findings reveal that financial literacy consistently emerges as a significant protective factor. Conversely, the role of personal traits is more nuanced: self-control and materialism primarily influence risk perception rather than directly impacting default behavior. The study also confirms a perception-behavior gap, wherein risk awareness is insufficient to prevent default, while default intention, consistent with the Theory of Planned Behavior, proved to be the strongest proximal predictor of actual default. This study contributes by clarifying these complex behavioral roles and offers actionable implications for regulators and the fintech industry to design more effective risk mitigation strategies.
Co-Authors Abubakar, Arlyana Ade Suyono, Kristianus Amiputra, Satria An Nisaa Syauqi Ul Jannah Andoko, Andrey Andy Firmansyah Ardi Gunardi Bonaventura Kusuma Jaya Budiyanto, Hendro Chetna Rath Daniel Antonius Deborah Naomi Tampoli Elissa Dwi Lestari, Elissa Dwi Endarto, Eko Agus Prasetyo Ernie Hendrawaty Evan Tehdi Fachry Abda El Rahman Farameita, Era Farica Perdana Putri Fortuna, Annisa Afra Hakim, Fayed Abdul Hasan, Djohan Gunawan Ika Yanuarti Imanuel Sudarsono Johny Natu Prihanto Juliadi, Rismi Juvy Reyes Kurniawan, Alvin Yuan Lala, Yohanes Brian Caesaryano Malabika Deo Maria Bernadeta Erika Oktoviani Maya Angela Natalia Meidy Nurindah Hasri Misi, Ratu Upisika Maha Mubarak, Akhmad Zainal Natania, Davina Neskia Adyni Oktoviani, Maria Bernadetta Erika Prihanto, Johny Prio Utomo Purnamaningsih Purnamaningsih Santika, Febi Silva, Noemi da Sony E N, Antonius Syauqi Ul Jannah, An Nisaa Tjahjana, David Utomo, Prio Vina Medya Oktaviani Wilson, Timothy Wiratama, Jansen Yoke Ranlym Arifin