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All Journal Jurnal Ilmu Manajemen Jurnal Siasat Bisnis Optimum : Jurnal Ekonomi dan Pembangunan JBMP (Jurnal Bisnis, Manajemen dan Perbankan) International Journal of Supply Chain Management Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Berdaya Mandiri Jurnal Ilmu Manajemen Journal of International Conference Proceedings Business, Accounting and Management Journal Cakrawangsa Bisnis E-JURNAL AKUNTANSI Indonesian Journal of Business and Entrepreneurship Research Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Siti Resmi
Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta
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Financial Management of Yogyakarta Students: The Role of Locus of Control, Love of Money, and Financial Inclusion Kumalasari, Anika; Resmi, Siti; Utami, Alivia Meyrizka
JURNAL ILMU MANAJEMEN Vol. 22 No. 1 (2025): JUNE 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i1.81434

Abstract

Financial behavior has always been an interesting topic, especially student financial management. This study examines the role of locus of control, love of money, and financial inclusion variables on financial management carried out by students in Yogyakarta. Data were collected from online questionnaires completed by 120 respondents who met the research criteria. The multiple linear regression analysis results showed that Love of Money and Financial Inclusion positively affected financial management. This shows that Yogyakarta students have an interest in money, and easy access to financial services makes their financial management better. However, Locus of Control did not show a significant effect on financial management. These results indicate that confidence in the results obtained, depending on individual behavior, has not affected students' financial management in Yogyakarta. This study only involved students from several universities in Yogyakarta, so it is impossible to generalize to all students in Yogyakarta. Furthermore, the characteristics of students who are respondents to the study, such as majors, year of enrollment, socio-economic background, and others, can also affect the results of the study. Therefore, this study is expected to add new insights to research related to management behavior.
Dampak Pemasaran Digital pada Keputusan Pembelian: Analisis Peran Celebrity Endorser, Content Marketing, dan Online Customer Review di TikTok Shop: Indonesia Marta Sugiyanto, Elvina Adelia; Resmi, Siti; Utami, Alivia Meyrizka
Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa Vol. 6 No. 2 (2025): Oktober
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

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Abstract

Seberapa besar pengaruh celebrity endorser, content marketing, dan online customer review dalam mendorong konsumen membeli produk fashion di TikTok Shop? Penelitian ini menjawab pertanyaan tersebut dengan menganalisis data primer dari 110 responden yang dikumpulkan melalui kuesioner. Menggunakan analisis regresi linear berganda (IBM SPSS Statistic 25), hasil studi menunjukkan bahwa ketiga variabel tersebut tidak hanya memiliki hubungan yang positif, tetapi juga signifikan terhadap keputusan pembelian. Temuan ini penting bagi para pelaku bisnis fashion yang ingin mengoptimalkan strategi pemasaran mereka di TikTok Shop, menunjukkan bahwa kombinasi dari dukungan selebritas, konten yang menarik, dan ulasan positif dapat menjadi kunci keberhasilan.
Pengaruh Kualitas Layanan dan Kepuasan Pelanggan terhadap Loyalitas Pelanggan pada Badan Penyelenggaraan Jaminan Sosial Ketenagakerjaan Gunungkidul Pangesti, Ervina Ninda; Resmi, Siti; Utami, Alivia Meyrizka
Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa Vol. 5 No. 1 (2024): April
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/cb.v5i1.481

Abstract

This research aims to examine the influence of service quality and customer satisfaction on customer loyalty of the Employment Social Security Administration (BPJS) in the Gunungkidul area. Apart from that, this research also examines how customer satisfaction is an intervening variable in the relationship between service quality and customer loyalty. The research sample was collected from 120 respondents who were BPJS Employment Gunungkidul participants who received services in the last 3 months (August-October 2023). Research testing uses regression with the Process Macro v4.3 bootstrapping method. The results are that service quality has a positive effect on customer loyalty and satisfaction, customer satisfaction also has a positive effect on customer loyalty, but customer satisfaction does not mediate the relationship between service quality and customer satisfaction. These results show how service quality and customer satisfaction can increase BPJS Employment customer loyalty. The research contributes to providing empirical evidence to be used as a reference for further research regarding service quality, customer satisfaction and customer loyalty and is expected to provide input, changes and improvements to the company as consideration in making decisions.
Pengaruh Pendukung Selebriti, Citra Merek, dan Kepercayaan Merek terhadap Keputusan Pembelian Produk Somethinc Faudji, Novayanti; Resmi, Siti; Utami, Alivia Meyrizka
Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa Vol. 5 No. 2 (2024): Oktober
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/cb.v5i2.523

Abstract

The purpose of this study was to analyze the influence of celebrity endorsers, brand image, and brand trust on purchasing decisions for Somethinc products. The data used in this study are primary data obtained through Google forms distributed via WhatsApp and Instagram. This study was processed using the IBM SPSS 26 program. Data were analyzed starting from instrument testing using validity and reliability tests, classical assumption tests, model feasibility tests (F tests), hypothesis tests (t tests), and determination tests. The results of this study indicate that the celebrity endorser variable does not affect the purchasing decision for Somethinc products, while the brand image and brand trust variables each have a positive and significant effect on the purchasing decision for Somethinc products. The results of this study are expected to be a recommendation for PT Royal Pesona Indonesia that Somethinc's brand image and brand trust have an influence on consumer purchasing decisions.
The Effect of Business Capital, Financial Technology and Financial Literacy on MSMEs’ Sustainability Kukuh Esty Sesanty; Siti Resmi; Alivia Meyrizka Utami; Helena Yovita Junijanto
Jurnal Ekonomi, Bisnis & Entrepreneurship Vol. 19 No. 2 (2025): Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Publisher : Pusat Penelitian dan Pengabdian Pada Masyarakat (P3M) STIE Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55208/jebe.v19i2.02

Abstract

This study investigates the impact of business capital, financial literacy, and financial technology on the sustainability of MSMEs in Bantul Regency. Data collection was conducted through a survey and distributed to respondents. This study involved a sample of 102 MSMEs in Bantul Regency that had been operating for at least 2 years and used a digital payment system as a means of payment. As to the study's findings, MSMEs' sustainability is negatively impacted by business capital, negatively impacted by financial technology, and positively impacted by financial literacy. The research is expected to contribute to UMKM actors to increase knowledge about business capital and financial technology which is a very important thing to prioritize. In addition, UMKM actors must continue to participate in mentoring and business coaching that focuses on capital and financial technology so that they can guarantee business sustainability.
From Plantations to Ports: Unraveling the Drivers of Indonesia’s Palm Oil Competitiveness in Key Asia and Africa Markets (2005-2024) Ascariena Rafinda; Siti Resmi; Alga Aprila Dwi Purwito
Business, Accounting and Management Journal Vol. 4 No. 01 (2026)
Publisher : tesco publisher

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Abstract

Palm oil is a strategic commodity and a major non-oil and gas export contributor for Indonesia, which is the world's leading exporter. This study aims to analyze the influence of macroeconomic variables on Indonesia's palm oil export performance and assess its competitiveness in five key Asian and African markets: China, India, Egypt, Pakistan, and Singapore, over the period 2005–2024. A quantitative approach was employed, utilizing panel data regression (Fixed Effect Model) to test macroeconomic factors and the Revealed Comparative Advantage (RCA), Export Product Dynamics (EPD), and Trade Specialization Index (TSI) for competitiveness analysis. The results show that the Gross Domestic Product (GDP) and Inflation in importing countries have a positive and significant effect on palm oil exports, consistent with increasing aggregate purchasing power and inelastic demand for this essential commodity. Conversely, the Real Exchange Rate (RER) was found to be statistically insignificant. Competitiveness analysis confirmed Indonesia's strong market position. The RCA index indicated a strong comparative advantage across all markets, with the product categorized as a 'Rising Star' via the EPD in China, India, Egypt, and Pakistan. The consistently high TSI values (0.98 to 1.00) further affirm Indonesia's strong and persistent role as a net exporter. These findings underscore the need for adaptive and sustainable export policies to maintain Indonesia’s competitive advantage in the volatile global trade landscape.
Understanding MSMEs’ Intentions to Apply for Formal Loans Through Behavioral Perspectives: Memahami Niat UMKM untuk Mengajukan Pinjaman Formal melalui Perspektif Perilaku Tri Utomo Prasetyo; Alivia Meyrizka Utami; Siti Resmi
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 12 No. 1 (2026): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v12i1.2269

Abstract

This study explores the factors influencing Micro, Small, and Medium Enterprise (MSME) owners’ intentions to apply for formal loans in Indonesia by integrating financial literacy and perceived access to finance into the Theory of Planned Behavior. Using a quantitative approach, data was collected from 215 MSME owners and analyzed via Partial Least Squares Structural Equation Modeling (PLS-SEM). Results show that financial literacy, perceived access to finance, and attitudes toward formal loans significantly increase loan application intentions—indicating that more financially capable owners and those with positive perceptions of formal credit are more likely to apply. Interestingly, perceived difficulties in accessing finance actually increase intention, suggesting a need-driven response. In contrast, social norms and perceived behavioral control have negligible effects. These findings highlight the importance of strengthening financial education, reshaping perceptions of credit accessibility, and improving attitudes toward formal financing. The study recommends policy initiatives that simplify loan processes, expand inclusive financial programs, and enhance financial literacy to better support MSME growth in Indonesia.
Financial Literacy, Governance Mechanisms, and Innovation Capability in Explaining SME Performance The Moderating Role of Organizational Culture Fran Sayekti; Siti Resmi; Reza Widhar Pahlevi
Indonesian Journal of Business and Entrepreneurship Research Vol. 4 No. 2 (2026): Vol. 4, No. 2, May 2026: Indonesian Journal of Business and Entrepreneurship Re
Publisher : Department of Business and Entrepreneurship, Faculty of Economics and Business, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/ijober.v4i2.268

Abstract

Small and medium-sized enterprises (SMEs) play a vital role in regional economic development; however, their ability to achieve sustainable performance is often influenced by internal capabilities and governance practices. Financial literacy and SME governance are considered important factors in enhancing innovation capability, which may subsequently improve business performance. Organizational culture may also strengthen or weaken the effectiveness of innovation capability in driving performance outcomes. This study aims to examine the effects of financial literacy and SME governance on innovation capability and SME performance. It also investigates the moderating role of organizational culture in the relationship between innovation capability and SME performance. The study employed a quantitative research design involving SMEs in the Special Region of Yogyakarta, Indonesia. Using a purposive sampling technique, data were collected from 176 SME owners or managers. The data were analyzed using Structural Equation Modeling (SEM) with SmartPLS software to test the proposed relationships among variables. The results reveal that financial literacy and SME governance have positive and significant effects on innovation capability. SME governance also exerts a positive and significant direct influence on SME performance. However, financial literacy does not significantly affect SME performance directly. Furthermore, innovation capability does not have a significant impact on SME performance. The findings also indicate that organizational culture does not significantly moderate the relationship between innovation capability and SME performance. This study highlights the importance of strengthening financial literacy and implementing effective governance practices to enhance innovation capability among SMEs. The absence of a moderating effect of organizational culture suggests that other contextual factors may play a more critical role in translating innovation capability into superior performance. These findings provide valuable insights for SME practitioners and policymakers in designing strategies to improve SME competitiveness and sustainability.
Co-Authors Alga Aprila Dwi Purwito Alivia Meyrizka Utami Ascariena Rafinda Beni Suhendra Winarso Dian Retnaningdiah, Dian Eri Ayu Rumiyani Faudji, Novayanti Fran Sayekti Helena Yovita Junijanto Indah Kurniawati Kukuh Esty Sesanty Kumalasari, Anika Kurniawati, Indah Marta Sugiyanto, Elvina Adelia Muhammad Manar Barmawi Muhammad Roni Indarto Muhammad Roni Indarto Pangesti, Ervina Ninda Resi Anjarwati Reza Widhar Pahlevi Reza Widhar Pahlevi Reza Widhar Pahlevi Reza Widhar Pahlevi Setyaningsih, Ririn Suhendra Winarso, Beni Transistari, Ralina Tri Utomo Prasetyo