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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
Bagaimana Live Streaming Selling, Review Product, Discount dan Sosial Media Marketing Mempengaruhi Minat Beli Lipstik Maybelline di Shopee: Studi pada Mahasiswa di Universitas di Purwokerto Meilani, Resti; Astuti, Herni justiana; Purwidianti, Wida; Haryanto, Totok
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (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.v7i5.10512

Abstract

This study aims to analyze the influence of Live streaming selling, Product Reviews, Discounts, and Social Media Marketing on the purchase intention of Maybelline lipstick at the official Shopee store. The study employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 121 active students in Purwokerto, selected using purposive sampling. Data analysis was conducted using SPSS version 25 through multiple linear regression. The t-test results show that Live streaming selling, Product Reviews, and Discounts have a significant effect on purchase intention, while Social Media Marketing does not. The Adjusted R Square value of 0.638 indicates that 63.8% of the variation in purchase intention can be explained by these four variables. These findings suggest that direct interaction through Live streaming selling and the trust formed from Product Reviews play an important role in influencing consumer purchase intention on Shopee e-commerce
Inclusive Leadership and Proactive Personality in Fostering Innovative Work Behaviors: The Mediating Role of Creative Self-Efficacy among Employees in the Hotel and Tourism Sector Pradana, Davit Aditiya; Bagis, Fatmah; Astuti, Herni Justiana; Endratno, Hermin
Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Vol. 4 No. 1 (2025): May 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jambak.v4i1.16408

Abstract

The rapid growth of the hospitality sector can contribute significantly to the expansion of the nation's economy, as the industry is highly competitive especially in developing cities Therefore, it is necessary to provide good services and processes. This study explores the influence of inclusive leadership and proactive personality on innovative work behaviors in the hospitality sector, with creative self-efficacy as a mediating variable. Data was collected from 162 hospitality and tourism employees using purposive sampling and questionnaires with a 5-point Likert scale, then analyzed using SEM-PLS. The results show that inclusive leadership, proactive personality, and creative self-efficacy significantly influence innovative work behaviors. The study is limited to the hospitality and tourism sectors. Future research should consider additional variables and a broader sample to gain a deeper understanding of the factors influencing innovative work behaviors.
KEPUTUSAN PEMBELIAN SKINCARE SECARA ONLINE: PERAN BRAND AWARENESS, SOCIAL MEDIA MARKETING, CELEBRITY ENDORSEMENT DAN BRAND TRUST Amalia, Melafani; Miftahuddin, Muchammad Agung; Astuti, Herni Justiana; Widhiandono, Hengky
Derivatif : Jurnal Manajemen Vol 20, No 1 (2026): April
Publisher : Universitas Muhammadiyah Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jm.v20i1.2703

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh brand awareness, social media marketing, celebrity endorsement dan brand trust terhadap keputusan pembelian skincare secara online di Purwokerto. Pengambilan sampel dalam penelitian ini menggunakan teknik purposive sampling dengan kriteria konsumen berdomisili di Purwokerto berusia 14-44 tahun dan yang sudah pernah membeli skincare secara online. Jumlah sampel dalam penelitian ini sebanyak 107 responden. Dengan menggunakan analisis regresi linear berganda., hasilnya menunjukkan bahwa secara parsial maupun simultan variabel brand awareness, sosial media marketing, celebrity endorsement dan brand trust berpengaruh posistif dan signifikan terhadap keputusan pembelian. Hasil penelitian ini diharapkan dapat menjadi referensi dan informasi saat konsumen membeli skincare secara online dan bagi perusahaan skincare sebagai evaluasi strategi pemasaran sehingga dapat meningkatkan penjualan.Kata kunci: Brand Awareness, Social Media Marketing, Celebrity Endorsement, Brand Trust, Keputusan Pembelian
PENGARUH DIGITAL MARKETING, FoMo, DAN SOCIAL MEDIA INFLUENCER TERHADAP KEPUTUSAN PEMBELIAN PRODUK FASHION BRAND RUCAS (STUDI PADA GENERASI Z KOTA PURWOKERTO) Restu Agung Pratama; Restu Frida Utami; Herni Justiana Astuti; Hermin Endratno
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19091

Abstract

Competition in the Indonesian fashion industry is becoming increasingly fierce as trends evolve rapidly and consumer needs change. According to the Ministry of Industry, as quoted by Antara News, the fashion sector contributes significantly to the national economy, accounting for 6.96% of GDP in the second quarter of 2025 (Kurmala, 2025). Generation Z is the main driver of this growth due to their high awareness of appearance and the strong influence of social media trends on consumer behavior. One local brand that has gained significant attention from Generation Z is Rucas. This Jakarta-based streetwear brand, founded in 2019, offers exclusive products such as T-shirts and outerwear, with a limited purchase system of one product per release and no re-production, thus creating scarcity and increasing consumer interest. This study uses a quantitative method with a purposive sampling approach as part of a non-probability sampling method. The study population consists of Rucas product users living in Purwokerto City, with a total of 115 respondents. The results show that the variables of digital marketing, Fear of Missing Out (FOMO), and social media influencers influence purchasing decisions.
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