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All Journal ETIKONOMI Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang SEGMEN Jurnal Manajemen dan Bisnis Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Manajemen Bisnis Kompak : Jurnal Ilmiah Komputerisasi Akuntansi JDM (Jurnal Dinamika Manajemen) Infestasi Journal of Accounting and Investment Benefit: Jurnal Manajemen dan Bisnis DERIVATIF Jurnal Agribisnis Management Analysis Journal Jurnal Akuntansi dan Pajak Jurnal Maneksi (Management Ekonomi Dan Akuntansi) AKUNTANSI DEWANTARA Jurnal Manajemen & Keuangan Journal of Accounting Science BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks SAR (Soedirman Accounting Review): Journal of Accounting and Business Journal of Economic, Bussines and Accounting (COSTING) J-MAS (Jurnal Manajemen dan Sains) Distribusi Shirkah: Journal of Economics and Business YUME : Journal of Management Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Manajemen Sistem Informasi Jurnal Ilmiah Edunomika (JIE) Budimas : Jurnal Pengabdian Masyarakat Airlangga Journal of Innovation Management Jurnal Ilmu Manajemen Advantage Proceedings Series on Social Sciences & Humanities Jurnal Ekonomi dan Bisnis Digital (MINISTAL) East Asian Journal of Multidisciplinary Research (EAJMR) Indonesian Journal of Business Analytics (IJBA) Journal of Finance and Business Digital (JFBD) Journal of Accounting and Finance Management (JAFM) Master: Jurnal Manajemen dan Bisnis Terapan Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Paradoks : Jurnal Ilmu Ekonomi Jurnal Ekonomi Bisnis Antartika Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies JURNAL MANAJEMEN DAN BISNIS INDONESIA
Maulida Nurul Innayah
Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Career Development dan Self Efficacy terhadap Kinerja Karyawan Melalui Kepuasan Kerja Sebagai Mediasi Saiful Arif, Muhammad; Kharismasyah, Alfato Yusnar; Suyoto, Suyoto; Maulida Nurul Innayah
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 7 No. 2 (2025): Jurnal Ekonomi Manajemen Sistem Informasi (November-Desember 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v7i2.7098

Abstract

Tujuan penelitian ini adalah untuk menganalisis pengaruh career development dan self efficacy terhadap kinerja karyawan serta mengeksplorasi peran kepuasan kerja sebagai variabel mediasi. Kebaruan penelitian terletak pada fokus objek penelitian, aplikasi pengujian sampel data, dan penambahan variabel self efficacy sebagai variable independent. Populasi yang penelitian berjumlah 137 karyawan yang bekerja di Java Heritage hotel purwokerto. Metode pengambilan sampel menggunakan metode sampel jenuh. Data dikumpulkan melalui penyebaran kuesioner dengan skala Likert lima point. Berdasarkan hasil uji, semua hipotesis dinyatakan berpengaruh positif dan signifikan, kecuali hipotesis 1 yaitu career development terhadap kinerja karyawan, hasilnya tidak bepengaruh. kontribusi teoritisnya adalah memperkaya literatur mengenai hubungan ketiga variabel tersebut dan menjadi dasar bagi pengembangan teori manajemen sumber daya manusia, serta panduan praktis untuk merancang strategi career development yang efektif. 
Impulse buying Produk Sepatu Aerostreet Di TikTokShop: Peran Sales Promotion, Content Marketing, Fashion Involvement dan Shopping Lifestyle Muhamad Satria Mediansyah; Haryanto, Totok; Agung Miftahuddin, Muchammad; Nurul Innayah, Maulida
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 7 No. 3 (2026): Jurnal Ekonomi Manajemen Sistem Informasi (Januari - Februari 2026)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v7i3.7454

Abstract

Perkembangan social commerce khususnya melalui TikTok Shop, telah memicu peningkatan perilaku pembelian impulsif pada produk fashion termasuk sepatu. Penelitian ini bertujuan untuk menganalisis pengaruh sales promotion, content marketing, fashion involvement, dan shopping lifestyle terhadap impulse buying  pada konsumen sepatu Aerostreet di TikTok Shop. Penelitian ini didasarkan pada Consumer Decision-Making Theory yang menjelaskan bahwa keputusan pembelian impulsif terjadi akibat interaksi antara stimulus pemasaran dan faktor internal konsumen. Pendekatan penelitian yang digunakan adalah kuantitatif asosiatif dengan melibatkan 200 responden yang dipilih melalui teknik purposive sampling. Pengumpulan data dilakukan menggunakan kuesioner berskala Likert, kemudian dianalisis menggunakan regresi linier berganda melalui SPSS 27. Hasil penelitian menunjukkan bahwa sales promotion, content marketing, fashion involvement, dan shopping lifestyle memiliki pengaruh positif dan signifikan terhadap impulse buying. Temuan tersebut menunjukkan bahwa efektivitas strategi promosi, kualitas konten digital, tingkat keterlibatan konsumen terhadap fashion, serta pola gaya hidup berbelanja berkontribusi penting dalam mendorong keputusan pembelian secara spontan. Penelitian ini memberikan kontribusi bagi pelaku bisnis khususnya brand lokal, dalam merancang strategi pemasaran digital yang efektif pada platform social commerce.
Factors Affecting Personal Financial Management Salsabilla, Syaefa Intan; Tubastuvi, Naelati; Purnadi, Purnadi; Innayah, Maulida Nurul
Jurnal Manajemen Bisnis Vol. 13 No. 1: March 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v13i1.13489

Abstract

Research aims: This study aims to analyze the effect of financial education in the family, financial literacy, peers, and a hedonism lifestyle on personal financial management. Design/Methodology/Approach: Based on Roscoe's calculations, 100 respondents were sampled. The results of the analysis show that financial education in the family do not affect students personal financial management. The population in this study were undergraduate students of the Faculty of Economics and Business, University of Muhammadiyah Purwokerto, Jenderal Soedirman University, and State Islamic University of Saifuddin Zuhri class of 2018-2020. The sample selection in this study used a purposive sampling technique. Research findings: The results of the analysis show that financial education in the family do not affect students personal financial management. Meanwhile, financial literacy, peers, and hedonism lifestyle have a positive effect on students personal financial management. Theoritical contribution/Originality: This study uses the theory of planned behavior, which in this theory states that there are three factors that influence this theory, namely 1) attitude towards behavior, 2) subjective norm, and 3) perceived behavioral control. This study gives contribution to manage personal management.Practitioner/Policy implication: Practically, this research implies the importance of managing personal finances so as to avoid consumptive behavior. Research limitation/Implication: Limitations in this study are the results of R2 of 46%, which means that the variables studied are good enough to influence the personal financial management of students and also this research is only in 1 faculty with a sample of 100.
FINANCIAL KNOWLEDGE, ATTITUDES, AND CULTURE AS DETERMINANTS OF FINANCIAL LITERACY: THE MEDIATING ROLE OF FINANCIAL BEHAVIOR AMONG GENERATION Z Frisna, Anindia; Tubastuvi, Naelati; Bagis, Fatmah; Innayah, Maulida Nurul
SEGMEN: Jurnal Manajemen dan Bisnis Vol 22, No 1 (2026): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v22i1.9246

Abstract

This study aims to analyze the influence of financial knowledge, financial attitude, and financial culture on financial literacy, with financial behavior as a mediating variable among Generation Z in Banyumas Regency. The research addresses the problem of how financial behavior strengthens the role of individual financial factors in improving financial literacy among young generations.This study employs a quantitative approach using purposive sampling with 245 respondents aged 13–28 years. Data were collected through a Likert-scale questionnaire (1–5) and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that financial knowledge, financial attitude, and financial culture have a positive and significant effect on financial behavior. Financial knowledge and financial culture also have a direct positive and significant effect on financial literacy, while financial attitude does not show a significant direct effect. Furthermore, financial behavior positively and significantly mediates the relationship between financial knowledge, financial attitude, and financial culture on financial literacy
DETERMINASI KINERJA UMKM: ANALISIS PERAN INKLUSI KEUANGAN, LITERASI KEUANGAN DIGITAL, PENGELOLAAN KEUANGAN, DAN LOCUS OF CONTROL Purwita, Eka Yuli; Innayah, Maulida Nurul; Purwidianti, Wida; Widyaningtyas, Dian
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 1 (2026)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i1.3732

Abstract

Introduction: This study aims to examine the effects of financial inclusion, digital financial literacy, financial management, and locus of control on the performance of micro, small, and medium enterprises (MSMEs) in Banyumas Regency, using a Resource-Based Theory framework.Methods: The quantitative methodology of this study is based on primary data collected from 115 respondents, selected at random from a pool of MSME owners, via an online and offline survey.Results: The findings indicate that financial management and locus of control have a positive, significant effect on MSME performance, underscoring the importance of internal managerial capabilities and psychological resources. Conversely, financial inclusion and digital financial literacy do not show a significant impact on MSME performance, suggesting that access to financial services and digital financial tools has not yet been optimally utilized to enhance business performanceConclusion and suggestion: These results imply that financial access alone is insufficient without adequate managerial skills and strong internal controls. Therefore, MSME development programs are encouraged to focus on strengthening financial management practices and internal locus of control to improve MSME performance and sustainability. Keywords: Digital Financial Literacy, Financial Inclusion, Financial Management, Locus of Control, MSME Performance
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
The Mediating Role of Financial Self-Efficacy in Financial Management Behavior Anggita Nur Reza; Naelati Tubastuvi; Herni Justiana Astuti; Maulida Nurul Innayah
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
FAKTOR PENGARUH MINAT BERLANGGANAN LAYANAN STREAMING : CONTENT RICHNESS, PERCEIVED VALUE, SOCIAL INFLUENCE, DAN PERCEIVED QUALITY PADA NETFLIX DIKALANGAN GEN Z Kasuwardani, Zulfa Putri; Widyaningtyas, Dian; Hidayah, Arini; Innayah, Maulida Nurul
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/g7z3vr47

Abstract

Industri media dan hiburan di Indonesia mengalami transformasi besar akibat kemajuan teknologi digital dan maraknya platform streaming. Penelitian ini bertujuan menganalisis faktor-faktor yang mempengaruhi minat berlangganan layanan streaming Netflix di Purwokerto dengan fokus pada variabel Content Richness, Perceived Value, Social Influence dan Perceived Quality. Populasi penelitian ini adalah masyarakat Purwokert dan  metode purposive samplig digunakan untuk pengambilan sampel. Data diolah menggunakan SEM-PLS. Hasil penelitian menunjukan bahwa Content Richness dan Social Influence berpengaruh positif dan signifikan terhadap minat berlangganan Netflix. Sebaliknya, Perceived Value dan Perceived Quality tidak berpengaruh terhadap minat berlangganan Netflix.
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.
Co-Authors Agung Miftahuddin, Muchammad Ainun Nizmah, Kemala Akhmad Darmawan Akhmad Darmawan Akhmad Darmawan Alfalisyado Alfato Yusnar Kharismasyah Amrizah Kamaluddin Anatasya , Putri Syifa Anggita Nur Reza Arini Hidayah Arini Hidayah, Arini Aryoko, Yudhistira Pradhipta Asih, Faisyah Yuli Awalia, Melani Azizah, Farinda Hauna Bagis, Fatmah Bima Cinintya Pratama Bintang Putra Fauzi Bondan Pradiptasani Suryawan Dian Larasati Dyandra Viorica Ivonilenia Erny Rachmawati Fadillah , Elda Nur Fatmah Bagis Fitriati, Azmi Frida Utami, Restu Frisna, Anindia Hardiyanto Wibowo Hardiyanto Wibowo Hardiyanto Wibowo, Hardiyanto Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Hermin Endratno Herni Justiana Astuti Herni Justiana Astuti Imaniar Zahwa, Tiara Indriana Putri Karin Maharani Sasongko Kasuwardani, Zulfa Putri Kharismasyah, Alfato Yusnar M Agung Miftahudin M Makhrus M. Agung Miftahuddin Maharani, Wilia Krisna Mamduh M. Hanafi Mastur Mujib Ikhsani Miftahuddin, Muchammad Agung Miftahul Furqon Muhamad Satria Mediansyah Muhammad Arfani Zaidan Muhammad Fuad Naelati Tubastuvi Naelati Tubastuvi Nawalin Nazah Nirvananda, Anandita Nur Reza, Anggita Nurfiani, Aisah Nurul Nur Aeni Petra, Dany Nofrizal Pradana, Arkan Ananta Pradhipta, Yudhistira Pratami, Naturi Diah Pratiwi, Kurnia Anggi Purnadi Purnadi Purnadi, Purnadi Purwita, Eka Yuli Qory Diana Lita Ragil Danu Saputra Rahayu, Ega Yufitra Rahmawati, Ika Yustina Randikaparsa, Irawan Refaldy Barry Saputra Restu Frida Utami Retnaningrum, Maharani Rifka Utami Arofah Sahulata, Hanastasya Saiful Arif, Muhammad Salsabilla, Syaefa Intan Sasongko, Karin Maharani Shabrina Zusryn, Alyta Shukriah Saad Siti Syaqilah Hambali Suhailah, Zulfa Suyoto Suyoto Suyoto Syaefa Intan Salsabilla syafa’at, Faizal Tiarto, Ahlan Gema Wida Purwidianti Widyaningtyas, Dian Wulan, Zani Nawang Wulandari, Nur Apni Yustina Rahmawati, Ika Zaen, Mudrikah Zaharani, Lisa Cahya Zahra, Hakimatuz Zulfikar Ali Ahmad Zulfikri, Moh. Danar