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All Journal Jurnal Pendidikan Akuntansi dan Keuangan MANAJEMEN DEWANTARA The Asia Pacific Journal Of Management Studies Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Journal of Social And Economics Research JURNAL ECONOMINA Eduvest - Journal of Universal Studies Danadyaksa: Post Modern Economy Journal E-Journal Studia Manajemen Journal of Multidisciplinary Sustainability Asean Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Journal Markcount Finance
Furniawan, Furniawan
Universitas La Tansa Mashiro
Aerospace Engineering Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Library & Information Science Neuroscience Social Sciences Other

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PERAN PENETAPAN HARGA DAN KUALITAS PELAYANAN DALAM KEPUTUSAN PEMBELIAN KONSUMEN PADA INDOMARET DI KABUPATEN LEBAK Pipin Suryanisari; Muhamad Thaherudin; Furniawan
The Asia Pacific Journal Of Management Studies Vol 13 No 1 (2026)
Publisher : Universitas La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/apjms.v13i1.1727

Abstract

Purchasing decisions are important for minimarket business companies/marketers to be able to increase profits and to achieve company goals. Consumer purchasing decisions are influenced by pricing variables and service quality. This research aims to determine the influence of pricing and service quality on purchasing decisions for Indomaret SPBU Cisalam. Respondents in this study were 100 Indomaret customers at the Cisalam gas station The method used by the author is a quantitative method. Sampling using simple random sampling with the slovin formula. Data collection using a survey with a questionnaire was carried out by visiting Indomaret customers in Cisalam gas stations directly. Data were obtained from 100 respondents from 100 questionnaires. The data obtained were analyzed using the SPSS version 20 program. The data analysis technique used to test the hypothesis used the Classical Assumption Formula method, Multiple Linear Regression Analysis, Correlation Correlation, Determination, Simultaneous Regression Coefficient Test (f Test) and Test Partial Regression Coefficient (t Test). From this description, it can be concluded that partially pricing influences purchasing decisions, partially service quality influences purchasing decisions and simultaneously pricing and service quality influence purchasing decisions at Indomaret SPBU Cisalam
Financial Literacy and Lifestyle in Shaping the Financial Behavior of Gen Z in Rangkasbitung, Lebak Regency Furniawan Furniawan; D. Muhamad Yamin
Eduvest - Journal of Universal Studies Vol. 6 No. 2 (2026): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v6i2.52191

Abstract

A low understanding of long-term financial management and planning can lead to unwise financial decisions. The financial literacy of Gen Z in Rangkasbitung, lacking optimal access to formal financial education or accurate digital information, may face difficulties in managing finances wisely. This study aims to determine the effects of financial literacy and lifestyle on the financial behavior of Generation Z in Rangkasbitung, Lebak Regency. The research method used is quantitative, employing a survey approach through a questionnaire distributed to 100 respondents. Data analysis was conducted using the classical assumption test, multiple linear regression, correlation, partial test (t-test), and simultaneous test (F-test). The results of the study indicate that, partially, financial literacy has a significant effect on the financial behavior of Gen Z, and lifestyle also has a significant effect on financial behavior. Simultaneously, financial literacy and lifestyle have a significant effect on the financial behavior of Generation Z in Rangkasbitung. These findings emphasize the importance of improving understanding of financial literacy and lifestyle management to foster healthy financial behavior among the younger generation.
Financial Management Practices in SMEs: Challenges and Solutions Ela Widasari; Paniran Paniran; Furniawan Furniawan; Firda Mufidah
Journal of Multidisciplinary Sustainability Asean Vol. 1 No. 4 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/ijmsa.v1i4.1520

Abstract

Background. Small and medium-sized enterprises (SMEs) are essential to economic growth and job creation but face unique financial management challenges that can impede their sustainability and growth. Limited access to capital, insufficient financial planning, and inadequate accounting skills are among the main obstacles hindering SMEs' financial success. Purpose. This study aims to identify the primary challenges in financial management practices among SMEs and to propose solutions that can enhance their financial stability and growth potential. Method. A mixed-methods approach was used in this research, combining quantitative data from SMEs' financial performance metrics with qualitative insights from interviews with SME owners and financial managers. Financial metrics provided an overview of common problem areas, while interviews gave a deeper understanding of the practical challenges SMEs encounter. Results. The findings indicate that SMEs commonly struggle with cash flow management, budgeting, and accessing credit, which undermines their operational efficiency and resilience. Additionally, limited financial literacy among SME managers further exacerbates these challenges, often leading to ineffective financial decision-making. Conclusion. The study concludes that targeted training in financial literacy, better access to funding options, and support for implementing accounting systems can significantly improve the financial health of SMEs. Policy implications suggest that collaboration between government bodies and financial institutions is crucial to develop tailored financial solutions, focusing on accessible financing and financial education. These strategies could empower SMEs to overcome financial challenges, strengthening the SME sector’s role in the economy.
The Impact of Augmented Reality on Consumer Engagement and Brand Loyalty Zakiyya Tunnufus; Dini Arifian; Furniawan Furniawan; Dede Suharna; Pardomuan Pardosi
Journal Markcount Finance Vol. 2 No. 2 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v2i2.1287

Abstract

In today's digital era, Augmented Reality (AR) technology is increasingly gaining attention as an innovative tool in marketing and consumer experience. AR offers interactive experiences that combine virtual elements with the real world, giving consumers new ways to interact with goods and brands. This study aims to determine how the use of augmented reality (AR) technology impacts consumer engagement and brand loyalty. Specifically, this research wants to know how interactive experiences with AR affect consumers' level of engagement with a brand and how much that engagement contributes to the formation of brand loyalty. This research was conducted using a quantitative approach and was designed as a survey. AR apps from various brands deploy questionnaires to collect data. The goal of this questionnaire is to measure consumer engagement, user experience with AR, and brand loyalty.  Studies show that the use of augmented reality (AR) significantly increases consumer engagement with brands. Consumers say that interactive and immersive AR experiences make them more interested in the goods and brands. The study found that augmented reality (AR) technology increases consumer engagement and brand loyalty.
The Effect of Environmental Performance on Firm Value with the Mediating Role of Financial Performance Sundapa; Dini Arifian; Furniawan
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.v4i1.368

Abstract

This study examines the correlation between environmental performance and corporate value and examines the intermediary role of financial performance in banking companies quoted on the IDX for the duration of 2022-2024. This study is quantitative and Particularly employing panel data regression techniques via Eviews 12. Environmental performance is measured through the Global Reporting Initiative (GRI) G4 disclosure index, financial performance relies on Return on Assets (ROA), and firm value relies on Price to Book Value (PBV). The study findings reveal that environmental performance fails to significantly impact firm value. Environmental performance also fails to significantly impact financial performance, and financial performance fails to significantly effect firm value. Therefore, financial performance fails to facilitate the connection between the two. These findings indicate that sustainability practices in the banking sector have not yet become a focal point for market participants.
THE EFFECT OF DER AND ROA ON BOND RATINGS WITH COMPANY SIZE AS A MEDIATING VARIABLE Nur Asifah; Dini Arifian; Furniawan
MANAJEMEN DEWANTARA Vol 9 No 2 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i2.20676

Abstract

This study aims to explore the influence of DER and ROA on bond ratings thru the mediation of company size in banking institutions listed on the IDX during the period from 2022 to 2024. This research employs a quantitative approach, applying multiple linear regression analysis, with the research tool using Eviews version 12 as the analysis software. The sample consists of 15 banking companies listed on the IDX from 2022 to 2024. The bond rating downgrade during the 2023-2024 period is related to various factors, including a decline in investor investment levels. The findings reveal that (1) DER affects Company Size, (2) ROA affects Company Size, (3) Company Size affects Bond Rating, (4) DER affects Bond Rating, (5) ROA affects Bond Rating, (6) DER affects Bond Rating thru Company Size, and (7) ROA affects Bond Rating thru Company Size. Researchers recommend that future studies consider including additional variables such as liquidity or market conditions, and using advanced analytical techniques like Structural Equation Modeling (SEM) to obtain more comprehensive and precise results. The research findings are beneficial for investors, companies, and bond rating agencies in decision-making.
Co-Authors Abdul Fattahul Rozak Ajizah, Euis Alisa Kunni Zakiyah Arifian, Dini Arifian, Dini D. Muhamad Yamin D. Muhamad Yamin Dede Suharna Dini Arifian Dini Arifian Dita Tantia Putri Eko Puryanto Etna Ligana Miskiya Firda Mufidah Fitri Aini Azhari Fitri Rosdianti H. Dini Arifian Indah Lestari Maesaroh, Maesaroh Muhamad Thaherudin Muhammad Syaifulloh Faqeh Noviana Anggraeni Nur Asifah Paniran Paniran Pardomuan Pardosi Pardosi, Pardomuan Rahmawati Sundapa Suryanisari, Pipin Tunnufus, Zakiyya Tyta Agustiara Widasari, Ela Zakiyya Tunnufus