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All Journal Jurnal Manajemen Bisnis DERIVATIF Jurnal Ilmiah Ekonomi Islam Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Widya Cipta : Jurnal Sekretari dan Manajemen Jurnal Ilmiah Universitas Batanghari Jambi Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Journal of Economic, Bussines and Accounting (COSTING) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) J-MAS (Jurnal Manajemen dan Sains) Technomedia Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Journal of Humanities and Social Studies JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Manajemen Sistem Informasi Jurnal Ilmiah Edunomika (JIE) JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Economic Reviews Journal Media Ekonomi Asian Journal of Management Analytics Prosiding University Research Colloquium Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Business and Applied Economics (IJBAE) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Paradoks : Jurnal Ilmu Ekonomi International Journal of Management and Business Intelligence (IJMBI) IIJSE International Journal of Educational and Life Sciences (IJELS) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Management Analysis Journal Journal of Ekonomics, Finance, and Management Studies
Herni Justiana Astuti
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PENGARUH LIFESTYLE, BRAND IMAGE, BRAND AWARENESS DAN KUALITAS PRODUK TEHADAP KEPUTUSAN PEMBELIAN IPHONE(STUDI PADA MAHASISWA/MAHASISWI DI PURWOKERTO) Amira, Putri Nur; Astuti, Herni Justiana; Purwidianti, Wida; Hidayah, Arini
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/bn2gtp75

Abstract

This study aims to analyze the influence of Lifestyle, Brand Image, Brand Awareness, and Product Quality on iPhone purchasing decisions among college students in Purwokerto. The research was conducted using a quantitative approach with a survey method through questionnaires distributed to 108 students from three universities. Data analysis employed validity and reliability tests, multiple linear regression, F-tests, and t-tests using SPSS version 25. The results indicate that brand image and product quality have a significant effect on purchasing decisions, while lifestyle and brand awareness do not show significant effects. The regression model obtained an Adjusted R Square of 0.572, meaning that 57.2% of purchasing decisions are explained by the four variables studied. These findings suggest that rational cognitive evaluation through product quality and emotional affective responses related to brand image are dominant factors influencing iPhone purchasing decisions among students in Purwokerto.
The Influence of E-WOM, Hedonic Shopping, Sales Promotion, and FOMO on Glad2Glow at Shopee Saputri, Dinda Indah; Randikaparsa, Irawan; Astuti, Herni Justiana; Bagis, Fatmah
JIMF (Jurnal Ilmiah Manajemen Forkamma) Vol. 9 No. 2 (2026): JIMF (Jurnal Ilmiah Manajemen Forkamma)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/frkm.v9i2.56923

Abstract

This study examines the effect of Electronic Word of Mouth (E-WOM), Hedonic Shopping, Sales Promotion, and Fear of Missing Out (FOMO) on impulse buying of Glad2Glow products on Shopee. A quantitative approach was employed using a survey of 333 students of Universitas Muhammadiyah Purwokerto, analyzed through PLS-SEM. The results indicate that all variables simultaneously affect impulse buying. Partially, E-WOM has no significant effect, while Hedonic Shopping, Sales Promotion, and FOMO show positive and significant effects. These findings suggest that impulse buying is driven more by emotional and situational factors than by online review information. This research is expected to contribute to business actors in designing more effective marketing strategies on digital platforms.
Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Persepsi Risiko, Gaya Hidup dan Kepercayaan Terhadap Minat Menggunakan QRIS pada Gen-Z di Purwokerto Maulana, Muhammad Fadhiil; Astuti, Herni Justiana; Rahayu, Tri Septin Muji; Bagis, Fatmah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11250

Abstract

This study aims to analyze the influence of perceived usefulness, perceived ease of use, perceived risk, lifestyle, and trust on the intention to use QRIS-based electronic money among Generation Z in Purwokerto. The research employs a quantitative approach with a purposive sampling method. The sample size was determined based on Hair’s criteria, namely five times the number of indicators (5 × 22 indicators), resulting in 110 samples, which were then rounded up to 150 respondents to enhance data accuracy. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) 4.0 approach. The results indicate that perceived usefulness and trust have a positive and significant effect on the intention to use QRIS among Generation Z. However, perceived ease of use and lifestyle were found to have no significant effect on this intention. Furthermore, perceived risk was also found to have no significant influence on the intention to use QRIS. This finding is attributed to the high level of digital literacy and self-efficacy among Generation Z, which leads them to perceive risks as tolerable compared to the benefits offered. The implications of this study suggest that financial service providers should focus their development strategies on strengthening cybersecurity infrastructure to maintain user trust and enhancing functional benefit features that support daily transaction efficiency. Theoretically, this study confirms that for digital natives, ease of use is no longer a major barrier due to their high digital literacy capacity. In addition, as QRIS usage has become an inclusive necessity rather than merely a lifestyle symbol, MSME actors are encouraged to provide this system to meet the public’s need for practical daily transactions
The Mediating Role of Financial Self-Efficacy in Financial Management Behavior Nur Reza, Anggita; Tubastuvi, Naelati; Astuti, Herni Justiana; Innayah, Maulida Nurul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11274

Abstract

College students are the agent of change who are expected to boost the country’s economy, but the consumerist and wasteful lifestyle among college students remains a real problem. This study aims to analyze the influence of financial attitude, financial literacy, and locus of control on financial management behavior with financial self-efficacy as a mediating variable among students in Purwokerto. The population in this study consisted of 9,037 active students majoring in economics and business from three universities, namely Muhammadiyah University Purwokerto, Jenderal Soedirman University, and Prof. KH. Saifuddin Zuhri State Islamic University Purwokerto. The sampling technique used the Slovin formula, which produced 170 respondents. The research approach used was quantitative with data processing techniques using SmartPLS version 3.0 through three stages, namely outer model, inner model, and bootstrapping. The results showed that financial attitude, financial literacy, and locus of control had a positive and significant effect on financial self-efficacy and financial management behavior. In addition, financial self-efficacy was also proven to positively and significantly mediate the relationship between financial attitude, financial literacy, and locus of control with financial management behavior. These findings confirm that self-confidence in financial abilities plays an important role in strengthening the relationship between attitude, literacy, and self-control in students' financial management behavior. This study implies that improving financial self-efficacy and financial literacy education should be a primary focus in shaping wise and responsible financial behavior among the younger generation
PROFITABILITY DRIVERS OF ISLAMIC COMMERCIAL BANKS IN INDONESIA : A FINANCIAL INDICATOR APPROACH Suhailah, Zulfa; Tubastuvi, Naelati; Astuti, Herni Justiana; Innayah, Maulida Nurul
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.14039

Abstract

This study examines the influence of internal factors such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Non-Performing Financing (NPF), and Bank Size on Profitability, represented by Return on Assets (ROA), in Islamic Commercial Banks authorized by the Financial Services Authority (Otoritas Jasa Keuangan or OJK) in Indonesia Using quarterly data spanning 2021–2024 from 14 Islamic commercial banks—yielding 206 observations through purposive sampling—and employing a Fixed Effect Model panel data regression approach, this research aims to capture financial performance dynamics in a more granular and timely manner compared to the annual data predominantly used in prior studies. The novelty of this study lies in the adoption of quarterly data, which provides greater sensitivity to short-term economic fluctuations and seasonal effects in the post-pandemic and post-merger era, as well as the explicit inclusion of Bank Size as an independent variable—rather than merely as a control variable as in most previous research—allowing for a direct examination of its role in driving profitability. The analysis results indicate that only BOPO has a significant negative effect on ROA, while CAR, FDR, NPF, and Bank Size are insignificant. Practical implications include recommendations for bank management to optimize operational cost control and for OJK regulators to strengthen adaptive policies addressing short-term economic fluctuations.
Dampak Keputusan Pembelian Online Produk Skincare pada Platform E-Commerce di Kalangan Gen-Z Fadillah , Elda Nur; Astuti, Herni Justiana; Rachmawati, Erny; Innayah, Maulida Nurul
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2134

Abstract

Penelitian ini menganalisis pengaruh kualitas produk, social media marketing, electronic word of mouth (E-WOM), dan promosi terhadap keputusan pembelian produk Skintific di e-commerce Shopee. Data dianalisis menggunakan regresi linear berganda dengan SPSS 25 mendapatkan 168 responden mahasiswa dari tiga perguruan tinggi di Purwokerto dengan teknik pengambilan data menggunakan purposive sampling. Hasil analisa menunjukkan seluruh variabel berpengaruh positif dan signifikan terhadap keputusan pembelian. Temuan ini selaras dengan teori Stimulus-Response (S-R). Implikasinya, perusahaan perlu memperkuat pengelolaan ulasan konsumen, menjaga kualitas produk, serta mengoptimalkan pemasaran digital dan promosi untuk meningkatkan keputusan pembelian.
Pengaruh Kualitas Pelayanan, Kualitas Produk, dan Promosi Penjualan Terhadap Loyalitas Pelanggan Toko Sepatu Bata Tbk Purbalingga Basith Ahnaf Jaler M; Herni Justiana Astuti; Suyoto; Arini Hidayah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5316

Abstract

The objective of this study is to analyze the impact of service quality, product quality, and sales promotion on customer loyalty at Toko Sepatu Bata Tbk Purbalingga. The primary data collection instrument for this study was a questionnaire using a five-point Likert scale. The sample consisted of 110 respondents who were customers of Toko Sepatu Bata Tbk Purbalingga, selected using purposive sampling based on the criterion of having made at least two purchases at the store. Data analysis was conducted using multiple linear regression with SPSS version 25. The results of the study are as follows: 1) Service quality does not have a significant impact on customer loyalty at Toko Sepatu Bata Tbk Purbalingga, 2) Product quality has a positive and significant impact on customer loyalty at Toko Sepatu Bata Tbk Purbalingga, and 3) Sales promotion has a positive and significant impact on customer loyalty at Toko Sepatu Bata Tbk Purbalingga. The implications of this study suggest that Toko Sepatu Bata Tbk Purbalingga should focus on improving product quality and sales promotions to enhance customer loyalty.
Pengaruh Promosi Penjualan, Kualitas Pelayanan, dan Kemudahan Terhadap Loyalitas Pelanggan Dompet Digital ShopeePay Hana Pratiwi; Luthfi Zamakhsyari; Herni Justiana Astuti; Fatmah Bagis
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.9319

Abstract

This research aims to analyze the influence of promotions, service quality and convenience on ShopeePay digital wallet customer loyalty. The method used is a quantitative approach with primary data from 158 students who are active ShopeePay users at three universities in Purwokerto: Jenderal Soedirman University, UIN Prof. K.H. Saifuddin Zuhri, and Muhammadiyah University Purwokerto. The sampling technique used purposive sampling, by distributing questionnaires via Google Form. Data were analyzed using IBM SPSS Statistics 26 through validity, reliability, classical assumptions, F test and t test. The research results show that promotion and convenience have a positive and significant effect on customer loyalty, while service quality has a positive and insignificant effect on customer loyalty. These findings indicate that attractive promotions and ease of use of services play a greater role in forming customer loyalty than service quality alone.
Pengaruh Kualitas Produk, Citra Merek Dan Electronic Word of Mouth Terhadap Keputusan Pembelian Sangkar Ebod Jaya Heru Wijaya; Herni Justiana Astuti; M Agung Miftahuddin; Suyoto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.9368

Abstract

 This study aims to evaluate the influence of product quality, brand image, and electronic word of mouth on the purchase decision of Ebod Jaya bird cages. The population in this study consisted of 160 bird competition participants in Purbalingga Regency. The sampling technique used was non-probability sampling, resulting in a total of 109 respondents successfully collected. Data analysis was carried out using the Structural Equation Modeling (SEM) approach with the assistance of SmartPLS version 4.0. The analysis in this study consisted of two main parts: the outer model and the inner model. The outer model testing included assessments of convergent validity, discriminant validity, and reliability to ensure the quality of the research instruments. Meanwhile, the inner model was used to assess the relationships between constructs, including hypothesis testing, R-square (R²) values, and goodness of fit. Hypothesis testing aimed to determine the significance of the influence of independent variables on the dependent variable. The results of the study indicate that electronic word of mouth has a positive and significant effect on purchase decisions. In contrast, product quality and brand image variables do not have a partial effect on purchase decisions. These findings are expected to provide valuable input for Ebod Jaya's management in formulating more effective strategies and marketing mixes to improve sales target achievement.
Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Persepsi Risiko, Gaya Hidup dan Kepercayaan Terhadap Minat Menggunakan QRIS pada Gen-Z di Purwokerto Maulana, Muhammad Fadhiil; Astuti, Herni Justiana; Rahayu, Tri Septin Muji; Bagis, Fatmah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11250

Abstract

This study aims to analyze the influence of perceived usefulness, perceived ease of use, perceived risk, lifestyle, and trust on the intention to use QRIS-based electronic money among Generation Z in Purwokerto. The research employs a quantitative approach with a purposive sampling method. The sample size was determined based on Hair’s criteria, namely five times the number of indicators (5 × 22 indicators), resulting in 110 samples, which were then rounded up to 150 respondents to enhance data accuracy. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) 4.0 approach. The results indicate that perceived usefulness and trust have a positive and significant effect on the intention to use QRIS among Generation Z. However, perceived ease of use and lifestyle were found to have no significant effect on this intention. Furthermore, perceived risk was also found to have no significant influence on the intention to use QRIS. This finding is attributed to the high level of digital literacy and self-efficacy among Generation Z, which leads them to perceive risks as tolerable compared to the benefits offered. The implications of this study suggest that financial service providers should focus their development strategies on strengthening cybersecurity infrastructure to maintain user trust and enhancing functional benefit features that support daily transaction efficiency. Theoretically, this study confirms that for digital natives, ease of use is no longer a major barrier due to their high digital literacy capacity. In addition, as QRIS usage has become an inclusive necessity rather than merely a lifestyle symbol, MSME actors are encouraged to provide this system to meet the public’s need for practical daily transactions
Co-Authors Afnan Abdulraheem Motea Alaqab Akhmad Fauzi Alfalisyado Alfalisyado, Alfalisyado Alfato Yusnar Kharismasyah Amalia, Melafani Amanah, Naning Dwi Amir Amir Amira, Putri Nur Anggita, Sangga Wishnu Anggraito, Lucky Ani Kusbandiyah Ani Kusbandiyah Apriyana, Nurul Arini Hidayah Arini Hidayah, Arini Ariyanti, Ayu Rizki Arofah, Rifka Utami Arsyad Ridho Arwani, Alfin Awaludin Ayu Nur, Luthfi Aziz, Geovanni Al Bagis, Fatmah Basith Ahnaf Jaler M Bima Cinintya Pratama Damayanti, Tri Larisma Eko Hariyanto Erny Rachmawati Fadillah , Elda Nur Farrasoya, Maitsa Fatmah Bagis Fauziridwan, Meydy Febriansyah, Wivan Firliansa, Alek Fitriati, Azmi Hana Pratiwi Handayani, Erna Hari, Minti Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Hermin Endratno Hermin Endratno Heru Wijaya Ikhsani, Mastur Mujib Isnaeningsih, Heni Nur Iwan Fakhruddin Kharismasyah, Alfato Yusnar Luthfi Arie Widzayanto Luthfi Zamakhsyari M Agung Miftahuddin Maulana, Muhammad Fadhiil Maulida Nurul Innayah Mauluddin, Geri Garyadina Melani, Kiki Miftahuddin, M Agung Miftahuddin, Muchammad Agung Muhammad Ramadhan Muhammad Reza Adzaki Nabella, Assiva Naelati Tubastuvi Nandang Bekti Karnowati Nawalin Nazah Nuha, Muhammad Aufa Abyan Nur Reza, Anggita Pangesti, Navrila Aida Pradana, Davit Aditiya Pratiwi, Kurnia Anggi Pujiharto Pujiharto Purnadi purnadi purnadi Purnadi, Purnadi Putri, Dea Yosiana Putri, Mustikaningrum Dewanti Putri, Tri Iriani Rahmawati, Erny Rakhayu Ramadani, Nuzula Nurusyifa Ramdhani, Muhamad Luthfi Randikaparsa, Irawan Rangga Rifqi Zachary Resti Meilani Restu Agung Pratama Restu Frida Utami Restu Frida Utami Rosi, Si Saputri, Dinda Indah Sa’roni, Imam Arief Septin Muji R., Tri Setiono, Laras Alif Setyarini, Riska Ayu Siti Rahayu Sri Wahyuni Sri Wahyuni Suhailah, Zulfa SURYO Budi Santoso Sutaryo Sutaryo Suyoto Suyoto Suyoto syafa’at, Faizal Syahreiza, Muhammad Totok Haryanto Totok Haryanto Tri Septin Muji Rahayu Tri Septin Muji Rahayu, Tri Septin Trias Aprilianto Nugroho Wida Purwidianti Widoyo, Fauzi Rifqi Widyaningtyas, Dian Yoga Yuniadi Yudhistira Pradhipta Aryoko Yusnar Kharismasyah, Alfato Zulkifli, Dafa Labiq