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All Journal Media Ekonomi dan Manajemen Journal of Management and Creative Business
Ruhiyat Taufik
Universitas Islam Syekh-Yusuf
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering

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The Impact of Financial Education and Socioeconomic Status on the Undergraduate Students' Financial Literacy Khusaini Khusaini; Bambang Mardisentosa; Asep Ferry Bastian; Ruhiyat Taufik; Windi Widiawati
Media Ekonomi dan Manajemen Vol 37, No 1 (2022): January 2022
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (374.28 KB) | DOI: 10.24856/mem.v27i01.2385

Abstract

Financial literacy is a crucial variable for researchers and policymakers because financial literacy's contribution encourages inhabitants to organize future financial planning and decision improvement. The study aims to empirically investigate the determinants of financial literacy such as financial education, parents' socioeconomic status, and gender. The authors used a cross-sectional survey approach with N = 325 samples. The result of measuring students' financial literacy showed a moderate condition (moderate level). The multiple linear regression models showed that parents' socioeconomic status significantly improved students' financial literacy. Meanwhile, financial education and gender did not prove significant in influencing students' financial literacy. The empirical study generated that encouraging parents is one of the essential policy elements in improving students' financial literacy. The higher students' socioeconomic status tends to encourage better financial planning and decision because they comprehend the literacy skills.
Mekanisme Kepercayaan dalam Perilaku Pembelian Skincare: Peran Berbeda Influencer Marketing dan Ulasan Online Nabila Dwi Cahyani; Ruhiyat Taufik; Rusbiansyah Perdana Kusuma
Journal of Management and Creative Business Vol. 4 No. 4 (2026): Oktober : Journal of Management and Creative Business
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/jmcbus.v4i4.7755

Abstract

The rapid growth of digital technology has encouraged companies to utilize influencer marketing and online reviews as marketing strategies, particularly in the skincare industry. However, their influence on consumer trust and purchasing behavior remains inconsistent. This study aims to examine the effects of influencer marketing and online reviews on the purchasing behavior of Somethinc skincare consumers with consumer trust as an intervening variable. A quantitative approach was conducted involving 113 consumers in Tangerang City selected through purposive sampling. Data were analyzed using the SEM-PLS method with SmartPLS 4. The findings indicate that influencer marketing has a positive and significant effect on consumer trust and purchasing behavior. In contrast, online reviews do not significantly affect consumer trust, but positively and significantly influence purchasing behavior. Furthermore, consumer trust mediates the relationship between influencer marketing and purchasing behavior, but does not mediate the relationship between online reviews and purchasing behavior. These findings suggest that credible influencers and effective management of online reviews can help improve consumers’ purchasing behavior toward Somethinc skincare products.
Co-Authors Bambang Mardi Sentosa Bastian, Asep Ferry Khusaini, Khusaini Nabila Dwi Cahyani Rusbiansyah Perdana Kusuma Windi Widiawati