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All Journal JBTI : Jurnal Bisnis : Teori dan Implementasi JURNAL MANAJEMEN Scientific Journal of Reflection : Economic, Accounting, Management and Business JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) JISIP: Jurnal Ilmu Sosial dan Pendidikan Procuratio : Jurnal Ilmiah Manajemen Journal Ilmiah Rinjani : Media Informasi Ilmiah Universitas Gunung Rinjani ADMA: Jurnal Pengabdian dan Pemberdayaan Masyarakat ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Jurnal Pengabdian Masyarakat Hasanuddin (JPMH) MASTER: Jurnal Manajemen Strategik Kewirausahaan Journal of Artificial Intelligence and Digital Business Jurnal Ilmu Sosial dan Humaniora Jurnal Ilmiah Pengabdian dan Inovasi Indonesian Journal of Multidisciplinary on Social and Technology Jurnal Pengabdian Masyarakat dan Riset Pendidikan JUAN: Jurnal Pengabdian Nusantara ECONOMIST: Jurnal Ekonomi dan Bisnis Kreativasi: Journal of Community Empowerment Indonesian Journal of Innovation Multidisipliner Research Jurnal Cendekia Ilmiah Income : Digital Business Journal Journal of Business and Information System Jurnal Pengabdian Pada Masyarakat IPTEKS Jurnal manajemen dan bisnis (Performa)
Baiq Dinna Widiyasti
Universitas Bumigora, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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PERBANDINGAN PERILAKU KONSUMEN SEKOLAH DASAR NEGERI DAN SEKOLAH DASAR SWASTA TERHADAP BULLYING ANAK DI KOTA MATARAM WIDIYASTI, BAIQ DINNA; Putri Amalia Wardi; Stevany Hanalyna Dethan
Journal Ilmiah Rinjani : Media Informasi Ilmiah Universitas Gunung Rinjani Vol. 13 No. 1 (2025): Journal Ilmiah Rinjani: Media Informasi Ilmiah Universitas Gunung Rinjani
Publisher : LPPM Universitas Gunung Rinjani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53952/jir.v13i1.599

Abstract

Bullying adalah sikap merendahkan orang lain yang dapat terjadi berulang dan dapat menimpa siapa saja dan dimanapun. Dampak bullying sangat besar bagi perkembangan hidup seseorang karena dapat berakibat pada fisik dan mental. Hal ini menjadi kekhawatirkan konsumen sekolah Dasar Negeri (SDN) ataupun Sekolah Dasar Swasta (SDS), mereka tidak ingin salah menentukan sekolah anak, karena akan berimbas bagi masa depannya. Menggunakan metode penelitian kualitatif komparasi, dan melakukan wawancara langsung dengan responden, peneliti mencoba menganalisa perilaku konsumen SDN dan SDS terhadap Bullying anak di kota Mataram, bagi konsumen SDN bullying verbal masih dianggap wajar sementara konsumen SDS lebih kritis serta mengawasi setiap hal terkait bullying diharapkan mendapatkan perhatian tegas dari sekolah. Konsumen SDS merupakan mereka yang memiliki kebutuhan khusus lebih dari solusi yang bisa dipenuhi SDN, sehingga SDS jika tidak ingin kehilangan konsumennya, perlu lebih memperhatikan hal- hal yang diinginkan konsumennya salah satunya bullying anak. Sementara untuk SDN yang memiliki pangsa pasar yang relatif besar, namun dengan jumlah persaingan yang juga besar perlu berbenah dalam hal pelayanan, terutama perlindungan bagi siswanya, meskipun SDN lain tidak melakukannya, namun optimalisasi rasa peduli dan perhatian bagi siswa terkait bullying dapat menjadi nilai lebih untuk sekolah tersebut menjadi pilihan konsumen selanjutnya.
Pengaruh Digital Marketing Terhadap Revisit Intention Objek Wisata di Kabupaten Sumbawa Barat Stevany Hanalyna Dethan; Baiq Dinna Widiyasti; Rina Komala
Jurnal Ilmu Sosial dan Humaniora Vol. 1 No. 4 (2023): Juni (Jurnal Ilmu Sosial dan Humaniora)
Publisher : CV Insan Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57248/jishum.v1i4.180

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh digital marketing terhadap revisit intention objek wisata di Kabupaten Sumbawa Barat. Jenis penelitian yang dilakukan dalam penelitian ini adalah penelitian asosiatif. Pengambilan sampel dilakukan dengan menggunakan non probability sampling yaitu dengan teknik purposive sampling dan sampel yang digunakan sebanyak 100 responden. Metode analisis data yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Hasil dari penelitian ini bahwa digital marketing (accessibility, interactivity, entertainment dan credibility) mempunyai pengaruh terhadap revisit intention objek wisata Kabupaten Sumbawa Barat. Namun sub variabel informativeness yang mempunyai pengaruh tetapi tidak signifikan
Moderating the Influence of Online Customer Reviews and Online Customer Ratings on Purchase Intention with Live Streaming Algifani, M. Gaza; Faerrosa, Lady; Widiyasti, Baiq Dinna
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 6 No. 1 (2025): April
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v6i1.885

Abstract

In the past year, the Lazada application has experienced a significant decline in the number of visitors and purchases, suspected to be caused by poor consumer experience that has reduced consumer purchase intentions on the Lazada application. Product reviews and ratings on the Lazada application are often questionable in their credibility, either because the review sources are unreliable or because there is a discrepancy between product ratings and product quality. This study aims to analyze the influence of online customer reviews and ratings on purchase intention and to see the moderation ability of live streaming on the influence of both variables on purchase intention. The method used is a quantitative method with the Structural Equation Model-Partal Least Square (SEM-PLS) data analysis technique. Respondents in this study were 160 Lazada application users in the city of Mataram who had made purchases in the past year and had watched live streaming. Data processing used Smart PLS. The results of this study indicate that Online Customer Reviews and online customer ratings have a positive and significant effect on Purchase Intention. In addition, live streaming is confirmed to significantly strengthen the influence of online customer reviews and online customer ratings on purchase intention. These findings can help Lazada improve consumer experience and increase the credibility of product reviews and ratings, which can ultimately increase consumer purchase intentions. In addition, this study also provides insight into how marketing strategies, such as live streaming, can influence purchasing decisions on e-commerce platforms.
Content analysis of male & female green preferences on thrift clothes Faerrosa, Lady; Widiyasti, Baiq Dinna; Komala, Rina
Journal of Business and Information Systems (e-ISSN: 2685-2543) Vol. 6 No. 1 (2024): Journal of Business and Information Systems
Publisher : Department of Accounting, Faculty of Business, Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36067/jbis.v6i1.233

Abstract

Currently, consumer purchasing behavior has shifted towards more environmentally friendly consumption such as thrift clothes, but literature regarding differences in male and female consumer preferences for thrift clothes is still limited. Therefore, the aim of this research is to explore differences in male and female consumer preferences for thrift clothes in Indonesia. The method used in this research is content analysis of data obtained online via Quora. The research results show that female consumers' preferences for thrift clothes are not limited to everyday clothes, but also formal clothes or work clothes. Likewise with male consumers. However, differences can be seen in terms of their concern for the environment, where female consumers are more numerous and more eager to show their concern for the environment by purchasing thrift clothing which is considered more environmentally friendly. This knowledge can provide a knowledge base for marketers of green products such as thrift clothes to develop marketing strategies that are more suited to female consumers in order to be able to improve their marketing performance in terms of increasing sales and increasing the number of consumer engagements.
Pengaruh Literasi Keuangan, Pendapatan dan Persepsi Risiko terhadap Konsumen Pinjaman Online di Kota Mataram Yanti, Hana Putri; Widiyasti, Baiq Dinna; Talidobel, Susilo; Hendri, Wira; Nirwana, Baiq Nadia
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 4 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i4.1254

Abstract

The advancement of digital technology has driven the growth of online lending services, making them increasingly accessible particularly to Generation Z, who are known for their adaptability to technology. However, this convenience is not always accompanied by adequate financial understanding, which may lead to financial risks. This study aims to determine the influence of financial literacy, income, and risk perception on the use of online loans among Generation Z in Mataram City. The research employs a quantitative approach using an associative method. The sampling technique used is purposive sampling, with a total of 100 respondents who are members of Generation Z and have used online lending services. Data were collected through online questionnaires and analyzed using multiple linear regression analysis. The results indicate that, partially, financial literacy and risk perception have a positive and significant influence on online loan usage, and income also has a significant effect. Simultaneously, all three variables have a significant impact on the use of online loans. These findings highlight the importance of improving financial literacy and risk awareness to prevent the excessive use of online lending among Generation Z. This research is expected to serve as a reference for educational institutions, fintech service providers, and policymakers in formulating effective and sustainable financial education programs and policies.
Pengaruh Inklusi Keuangan, Persepsi Risiko dan Persepsi Persepsi Kemudahan terhadap Konsumen Pinjaman Online Azmi, Nurul; Widiyasti, Baiq Dinna; Zahrah, Zahrah; Hendri, Wira; Dethan, Stevany Hanalyna
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 4 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i4.1255

Abstract

The rapid growth of online loan platforms has transformed access to credit, especially for individuals who face barriers to traditional financial services. In Lombok Island, West Nusa Tenggara, Indonesia, honorary teachers often experience limited access to formal financing and have relatively low incomes, making them particularly vulnerable to financial risks and overindebtedness due to the increasing use of online loans. This study aims to empirically investigate how financial inclusion, risk perception, and perceived ease of use influence the behavior of online loan consumers, focusing specifically on this group of teachers. Using a quantitative research approach, data were collected from 100 honorary teachers through a structured survey. The instruments used in the study underwent validity and reliability testing, confirming their accuracy and consistency for the research context. The results of multiple linear regression analysis indicate that financial inclusion, risk perception, and perceived ease of use simultaneously and individually exert a positive and significant impact on the online loan consumption behavior of teachers. Notably, perceived ease of use emerged as the most influential factor, suggesting that the simplicity and convenience of accessing fintech lending platforms play a crucial role in driving adoption among this vulnerable population. These findings provide important insights for policymakers and financial educators to develop targeted financial literacy programs and inclusive fintech services. By emphasizing ease of use while addressing risk awareness and financial accessibility, stakeholders can better protect honorary teachers and similar vulnerable groups from the potential pitfalls associated with online loans, fostering safer and more responsible financial behavior.
Pengaruh Shopping Enjoyment, Self Control dan Digital Payment Terhadap Perilaku Impulsive Buying Jati, L. Jatmiko; Pratiwi, Khodijah Titin; Anggriani, Rini; Dethan, Stevany Hanalyna; Widiyasti, Baiq Dinna
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3514

Abstract

Perkembangan internet telah melahirkan pasar digital dan situs belanja online yang kini menjadi bagian dari gaya hidup masyarakat Indonesia. Aktivitas belanja daring yang meningkat mendorong munculnya perilaku impulsive buying, yang dipengaruhi oleh faktor shopping enjoyment, self control, dan kemudahan digital payment. Salah satu layanan pembayaran digital yang banyak digunakan adalah Go-Pay, terutama di kota Mataram. Go-Pay merupakan dompet elektronik dikembangkan Gojek yang memungkinkan transaksi non-tunai di berbagai layanan dan mitra usaha. Penelitian ini bertujuan untuk menganalisis pengaruh shopping enjoyment, self control, dan digital payment terhadap perilaku impulsive buying pengguna Go-Pay di kota Mataram. Menggunakan metode kuantitatif dengan pendekatan kausalitas, data dikumpulkan melalui kuesioner dari 102 responden dan dianalisis dengan regresi linier berganda menggunakan SPSS 25. Hasil penelitian menunjukkan bahwa shopping enjoyment dan digital payment berpengaruh positif signifikan, sedangkan self control berpengaruh negatif signifikan terhadap impulsive buying. Secara simultan, ketiga variabel tersebut berpengaruh signifikan, dengan indikator penawaran menarik menjadi faktor eksternal paling kuat yang memicu perilaku impulsive buying, yang menunjukkan bahwa kecenderungan pembelian impulsif masih terjadi namun tidak dominan. Indikator penawaran menarik memperoleh skor tertinggi, menandakan bahwa promosi dan diskon menjadi faktor eksternal paling kuat dalam mendorong perilaku pembelian impulsif, sementara pembelian tanpa rencana dan keadaan emosional memiliki skor yang lebih rendah.
PENGARUH INKLUSI DAN LITERASI KEUANGAN TERHADAP KINERJA KEUANGAN UMKM DI BTPN SYARIAH Areebah Subagyo; Baiq Dinna Widiyasti; Baiq Nadia Nirwana; Wira Hendri; L. Jatmiko Jati
Procuratio : Jurnal Ilmiah Manajemen Vol 13 No 1 (2025): Procuratio : Jurnal Ilmiah Manajemen
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/procuratio.v13i1.4863

Abstract

This research aims to test the effect of financial inclusion and test the effect of financial literacy on the financial performance of MSMEs at BTPN Syariah. This research method uses non-probability sampling with purposive sampling type. The research was conducted in Utan Regency, Sumbawa, West Nusa Tenggara with data collection techniques using questionnaires distributed directly. The respondents for this research used BTPN Syariah customers who had received guidance through MSME facilitators. This research used a sample of 93 respondents who were MSMEs and assisted customers from our bestee program at BTPN Syariah. The data analysis technique for this research uses descriptive analysis and multiple linear regression analysis with the help of SPSS software. Thus, it can be concluded that financial inclusion has a positive and significant effect on the financial performance of MSMEs, and financial literacy has a positive and significant effect on the financial performance of MSMEs. Future researchers can add other variables and increase the number of samples in the research, in order to get stronger results than previous researchers. Penelitian ini bertujuan melakukan pengujian pengaruh inklusi keuangan dan pengujian pengaruh literasi keuangan terhadap kinerja keuangan UMKM di BTPN Syariah. Metode penelitian ini menggunakan non-probability sampling dengan jenis purposive sampling. Penelitian dilakukan di Kabupaten Utan, Sumbawa, Nusa Tenggara Barat dengan teknik pengumpulan data menggunakan kuesioner yang disebarkan secara langsung. Responden penelitian ini menggunakan nasabah BTPN Syariah yang telah mendapatkan binaan melalui fasilitator pendamping UMKM. Penelitian ini menggunakan sampel sebanyak 93 responden yang merupakan pelaku UMKM dan nasabah binaan dari program kita bestee di BTPN Syariah. Teknik analisis data penelitian ini menggunakan analisis deskriptif dan analisis regresi linear berganda dengan bantuan software SPSS. Dengan demikian, dapat disimpulkan inklusi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM, dan literasi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM. Peneliti selanjutnya dapat menambahkan variabel lainnya dan meningkatkan jumlah sampel pada penelitian, agar mendapatkan hasil yang lebih kuat dibandingkan peneliti sebelumnya.
PERCEPTION OF LUXURY VALUE, HEDONISTIC LIFESTYLE, INCOME INFLUENCE DECISIONS TO PURCHASE BRANDED GOODS Baiq Dinna Widiyasti; Raden Bagus Faizal Irany Sidharta
Jurnal Manajemen dan Bisnis Performa Vol. 22 No.2 (2025)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v22i2.7937

Abstract

Branded goods are synonymous with expensive prices, used by people with high income levels and have a luxurious lifestyle. Mataram City, which is known to have a per capita income of Rp. 1,010,000 in 2024. It turns out to have a market potential for branded goods. This can be seen from the users, as well as branches and outlets opened by well-known branded goods manufacturers. The purpose of this study was to determine the Perception of Luxury Value, Hedonism Lifestyle and Income influence on Branded Goods Purchasing Decisions in Mataram City. The study was conducted using an associative quantitative approach with a sample of 137 branded goods users. Analyzed using the validity test method, reliability, classical assumptions as well as descriptive and verification tests, using SPSS 27, it was found that Perception of Luxury Value and Hedonism Lifestyle have a significant influence on Branded Goods Purchasing Decisions in Mataram City, but purchasing decisions are not significantly influenced by income. This research is expected to be able to provide a special study as a consideration regarding the characteristics of products or consumer lifestyles in determining special marketing strategies for local and national branded goods producers to be able to be competitive.
Peran Budaya Organisasi dalam Memoderasi Pengaruh Motivasi Kerja dan Komitmen Organisasi terhadap Organizational Citizenship Behavior Lusiana Amri; Irwan Cahyadi; Ika Yuliana; Baiq Dinna Widiyasti; Febria Nurmelia Marlina
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 9 No. 2 (2026): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v9i2.1415

Abstract

Organizational Citizenship Behavior (OCB) represents voluntary employee behavior that exceeds formal job requirements and plays an essential role in supporting organizational effectiveness, particularly in educational institutions. However, limited extra-role behavior among educators indicates that OCB is not always optimally developed. This study aims to examine the effect of work motivation and organizational commitment on OCB, with organizational culture as a moderating variable. The research was conducted at the Nurul Islam Islamic Boarding School Foundation, involving all 43 educators as respondents using a saturated sampling technique. A quantitative approach was employed, and data were collected through structured questionnaires measured on a five-point Likert scale. The analysis was performed using Structural Equation Modeling with Partial Least Squares (SEM-PLS) through SmartPLS 3.0. The results reveal that work motivation and organizational commitment have a positive and significant effect on OCB. Furthermore, organizational culture significantly strengthens the influence of both work motivation and organizational commitment on OCB. These findings indicate that a supportive organizational culture enhances the effectiveness of individual motivation and commitment in fostering extra-role behavior among educators. This study provides empirical evidence on the strategic role of organizational culture in strengthening OCB within educational organizations.
Co-Authors Alfareza Alfareza Algifani, M. Gaza Anggriani, Rini Ani Mayuni Anjani, Dewi Sekar Areebah Subagyo Arsana, I Made Mangku Baiq Nadia Nirwana Cornelia, Cindy Dewi Nurhasikin Elyakim Nova Supriyedi Patty, Elyakim Nova Supriyedi Fatimatul Zahrah Febria Nurmelia Marlina Ferdian, Ahmad Lutfhi Hamdi, Syaid Nur Hendri, Dr. Wira Hernawati Hernawati I Gusti Made Subrata Ibrahim, Isra Dewi Kuntary Ika Yuliana Irwan Cahyadi Isra Dewi Kuntary Ibrahim Izati, Hayatul Josman, Lady Faerossa Josman, Lady Faerrosa Junanda, Indri Amelia Kia Makiah Komala, Rina Kurniawati, Erna Yovi Kusuma, Syarwana Edya Lia Febriani Liem, Nelson Lusiana Amri M. Chothibul Umam Assa’ady MAKIAH Mariana, Dita Mulawarman, Logi Muliani, Ervina Munawardi Nopik Rifaldi Nurhapiza, Nurhapiza Nurul Azmi, Nurul Paladita, Ida Bagus Pratiwi, Khodijah Titin Putri Amalia Wardi Putri Amalia Wardi Putri Paradila Ayu Goisani Putri, Dindi Sabila Iriani PUTU MEIKAPASA, NI WAYAN Raden Bagus Faizal Irany Sidharta Raden Bagus Faizal Irany Sidharta Rangga Restu Alpiansah Rina Komala Rini Anggriani Ririhatuela, Erica Ivana Olivia Rizal Ramdani Rizky Raharjo Sahroyani, Mira Sendy Pratama Stevany Hanalyna Dethan Susilo Talidobel Wardi, Putri Amalia Widia Febriana Widia Febriana, Widia Wijayanti, Monica Chandra Wira Hendri Yanti, Hana Putri Zahrah Zahrah Zahrah Zahrah Zahrah Zahrah Zahrah Zahrah, Zahrah Zalmy, Nola Amelia