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All Journal MIX : Jurnal Ilmiah Manajemen Management Analysis Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Journal of Economic, Bussines and Accounting (COSTING) EKUITAS (Jurnal Ekonomi dan Keuangan) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Jurnal Ners Ilomata International Journal of Management Finansha: Journal of Sharia Financial Management Bulletin of Community Engagement International Journal Management and Economic (IJME) Media Ekonomi Master: Jurnal Manajemen dan Bisnis Terapan Review of Applied Accounting Research Prosiding University Research Colloquium Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Jurnal Pendidikan Indonesia (Japendi) Paradoks : Jurnal Ilmu Ekonomi IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Journal of Society, Community and Business Development
Herni Justiana Astuti
Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Arts 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 Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Social Sciences Other

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PENGARUH KEPEMIMPINAN, KEPUASAN KERJA DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN Fauzi Rifqi Widoyo; Alfato Yusnar Kharismasyah; Herni Justiana Astuti; Fatmah Bagis
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 3 (2025): Edisi September - Desember 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i3.6252

Abstract

This study aims to examine the influence of job satisfaction, leadership, and work environment on employee performance at Perumda Air Minum Tirta Perwira Purbalingga. The study is driven by the crucial role of human resources in ensuring the success of public service delivery, especially in the provision of clean water. Three independent variables, work environment, job satisfaction, and leadership, were analyzed against employee performance as the dependent variable. A quantitative method was utilized through survey techniques, with data collected via questionnaires. The sample consisted of 122 permanent employees with a minimum of one year of service, selected through purposive sampling. Data analysis utilized Partial Least Squares–Structural Equation Modeling (PLS-SEM) via the SmartPLS 4 software. The results indicate that all three independent variables, leadership, work environment, and job satisfaction significantly and positively affect employee performance. The study concludes that improving leadership quality, job satisfaction, and the workplace can function as successful approaches to enhance employee performance in public service institutions.
TRUST AS A MEDIATOR OF DONOR LOYALTY IN ISLAMIC DIGITAL PHILANTHROPY: THE ROLES OF EASE AND ENJOYMENT Cantika A'malina Annisa; Herni Justiana Astuti
Finansha: Journal of Sharia Financial Management Vol. 7 No. 1 (2026): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v7i1.55445

Abstract

The development of digital based Islamic philanthropy has transformed the way people participate in charitable activities, making it essential to understand the factors that encourage donors to remain loyal to a donation platform. Research that specifically examines donor loyalty by integrating perceived ease of use, perceived enjoyment, and trust within the Technology Acceptance Model (TAM) framework remains limited, particularly in the context of Islamic digital philanthropy. This study aims to analyze how perceived ease of use and perceived enjoyment influence donor loyalty, both directly and indirectly through trust, on the Sobat Berbagi Lazismu Banyumas platform. This research employed a quantitative approach by collecting data from 124 users of the platform through a purposive sampling technique. The data were processed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 3 software. The results indicate that both perceived ease of use and perceived enjoyment positively contribute to building donor trust and strengthening donor loyalty. Trust was also found to have a significant positive impact on donor loyalty. Furthermore, trust successfully mediates the relationship between perceived enjoyment and donor loyalty, whereas its mediating role between perceived ease of use and donor loyalty is not statistically supported. These findings suggest that creating an enjoyable donation experience plays a more important role in fostering long-term donor commitment than merely providing a user-friendly system.
PROFITABILITY DRIVERS OF ISLAMIC COMMERCIAL BANKS IN INDONESIA : A FINANCIAL INDICATOR APPROACH Zulfa Suhailah; Naelati Tubastuvi; Herni Justiana Astuti; Maulida Nurul Innayah
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.
The Health Service Quality Model: State Primary Care Perspective (Survey, Evaluation, and Strategy) Herni Justiana Astuti; Suryo Budi Santoso; Devita Elsanti
Bulletin of Community Engagement Vol. 5 No. 3 (2025): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v5i3.2672

Abstract

This Quality of basic health services remains a persistent global and national policy concern, particularly at the primary-care level where community health centers (Puskesmas) serve as the frontline of universal health coverage. This study analyzes the quality of government-owned primary health services through three complementary perspectives: survey, evaluation, and strategy. Previous studies on Puskesmas service quality have generally been limited to a single analytical approach and rarely provide actionable strategic recommendations for both health centers and patients. Respondents consisted of 103 BPJS outpatients, 97 non-BPJS outpatients from eight Puskesmas in Banyumas Regency, and eight heads of Puskesmas. The survey dimension applies the Community Satisfaction Index (CSI), the evaluation dimension applies Importance Performance Analysis (IPA), and the strategy dimension applies the Service Quality Gap Model. The CSI results indicate that service quality for both BPJS and non-BPJS patients is categorized as “good,” although conformity levels remain below 100 percent. IPA findings show no service element in Quadrant A for BPJS patients, whereas complaint, suggestion, and feedback handling emerge as the top priority for non-BPJS patients. The Gap Model reveals perception–expectation gaps in requirements and cost/tariff for BPJS patients, while gaps for non-BPJS patients extend to requirements, completion duration, cost/tariff, staff competence, staff behavior, and complaint handling. These findings imply that Puskesmas management should strengthen patient feedback channels and prioritize improvements in staff competence and complaint-handling mechanisms to enhance overall service quality.
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 Resti Meilani; Herni justiana Astuti; Wida Purwidianti; Totok Haryanto
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
Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Persepsi Risiko, Gaya Hidup dan Kepercayaan Terhadap Minat Menggunakan QRIS pada Gen-Z di Purwokerto Muhammad Fadhiil Maulana; Herni Justiana Astuti; Tri Septin Muji Rahayu; Fatmah Bagis
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 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
Stimulus-Organism-Response (S-O-R) Theory Approach on Loyalty and Hospital Switching Model Herni Justiana Astuti; Nor’ain Abdullah; Wiwin Dyah Priwanti; Suryo Luqman Hakim
MIX: JURNAL ILMIAH MANAJEMEN Vol. 16 No. 1 (2026): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2026.v16i1.005

Abstract

Objectives: This study aims to investigate how patient loyalty and hospital switching are impacted by service quality and hospital image via satisfaction.Methodology: Purposive sampling is used in this approach, where the prerequisite is a patient who have undergone treatment at least 3 times in the last 3 months and have used other hospital care. Based on this technique, a sample of 100 patients. Data were analyzed using structural equation modeling using partial least square technique, via two distinct but sequentially related phases.Finding: The findings demonstrate that satisfaction is positively and significantly impacted by hospital image and service quality.  Only loyalty is impacted by the hospital's reputation; transferring hospitals is not directly impacted.  However, hospital switching and loyalty are unaffected by service quality. Patient satisfaction can only mediate the relationship between the hospital image and hospital switching as well as patient loyalty, which does not apply to service quality. This study indicates that patient stimulus comes from external influences, where service quality and hospital image provide individual impacts (Organism) reflected in feelings of satisfaction or dissatisfaction. This then leads to a response, which is loyal patients. The satisfaction or dissatisfaction felt by patient as ‘Organism’ does not affect their decision to switch services to another hospital.Conclusion: Patient loyalty and satisfaction are directly impacted by hospital image.  Patient satisfaction is directly impacted by service quality, but loyalty is not much impacted.  Only patient satisfaction can operate as a mediator in the interaction between loyalty and hospital image.
THE INFLUENCE OF SHOPPING LIFESTYLE, FASHION INVOLVEMENT, PROMOTION ON IMPULSE BUYING FASHION PRODUCTS ON TIKTOK Si Rosi; Herni Justiana Astuti; Hengky Widhiandono; Arini Hidayah
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 12, No 2 (2025): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v12i2.7288

Abstract

PURPOSE - This study aims to analyze the effect of Shopping Lifestyle, Fashion Involvement, Promotion on Impulse Buying. The subjects of this study were students of Muhammadiyah Purwokerto University who used the TikTok application.METHODOLOGY - In this study using a sample of 105 respondents, quantitative methods were implemented in this study with a Purposive Sampling approach. Data collection in this study was collected through distributing questionnaires. Analysis using Smart-PLS 3.0 to test the relationship between variables. The stages use the outer model for model testing, with the inner model for structural model testing.FINDING - The stages use the outer model for model testing, with the inner model for structural model testing. The results obtained from this study are Shopping Lifestyle and Promotion have a significantly affects on Impulse Buying fashion products in the TikTok application. While Fashion Involvement has no significantly affects on Impulse Buying fashion products in the TikTok application.
Pengaruh Persepsi Kemudahan Penggunaan dan Kepercayaan Terhadap Penggunaan E-Commerce Pada Website Halodoc dengan Persepsi Manfaat Sebagai Mediasi Nandita Rahma; Herni Justiana Astuti; Dian Widyaningtyas; Meydy Fauziridwan
Jurnal Pendidikan Indonesia Vol. 6 No. 2 (2025): Jurnal Pendidikan Indonesia (Japendi)
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i2.7294

Abstract

Penelitian bertujuan untuk menganalisis dan membahas pengaruh persepsi kemudahan penggunaan, kepercayaan, dan persepsi manfaat sebagai mediator terhadap penggunaan e-commerce. Sumber data dalam penelitian ini menggunakan data primer yang diperoleh dengan menyebarkan kuesioner menggunakan Google Form. Penelitian ini menggunakan metode SEM (Structural Equation Model) dengan pendekatan PLS (Partial Least Square) versi 3.0. Jumlah sampel yang diuji 102 responden dengan teknik pengumpulan sampel menggunakan purposive sampling. Temuan ini mengungkapkan bahwa persepsi kemudahan penggunaan, kepercayaan dan persepsi manfaat berpengaruh signifikan terhadap penggunaan e-commerce, kepercayaan berpengaruh signifikan terhadap persepsi manfaat, persepsi manfaat berpengaruh signifikan terhadap penggunaan e-commerce, persepsi manfaat memediasi hubungan kepercayaan terhadap penggunaan e-commerce, namun persepsi kemudahan penggunaan tidak berpengaruh signifikan terhadap persepsi manfaat dan persepsi manfaat tidak memediasi hubungan persepsi kemudahan penggunaan terhadap penggunaan e-commerce
Co-Authors Alfato Yusnar Kharismasyah Anggita Nur Reza Anggita Widianingsih Arini Hidayah Arini Hidayah Arini Hidayah, Arini Basith Ahnaf Jaler M Bernika Nindya Siwi Bima Cinintya Pratama Cantika A'malina Annisa Davit Aditiya Pradana Devita Elsanti Dian Widyaningtyas Erna Handayani Erny Rachmawati Erny Rachmawati Fatmah Bagis Fauzi Rifqi Widoyo Hadi Pramono Hengky Widhiandono, M.Si. S.E. Hermin Endratno Ihtiar Febrian Putra Nur Akhiddianto Inayati, Nur Isna Irawan Randikaparsa Kurnia Anggi Pratiwi Maharani Retnaningrum Maulida Nurul Innayah Maulida Nurul Innayah Meydy Fauziridwan Muchammad Agung Miftahuddin Muhammad Fadhiil Maulana Naelati Tubastuvi Nandang Bekti Karnowati Nandita Rahma Nor’ain Abdullah Nuzula Nurusyifa Ramadani Panji Aryandaru Puput Tri Hantoro Purnadi Purnadi Purnadi Putri Nur Amira Randikaparsa, Irawan Resti Meilani Restu Frida Utami Reza Dwi Fauzhi Rizaldi Anggito Yudha Si Rosi Siti Rahayu Stefani Widodo Suryo Budi Santoso Suryo Luqman Hakim Suyoto Suyoto Suyoto Talita Richi Stefani Totok Haryanto Tri Septin Muji Rahayu, Tri Septin Wida Purwidianti Wida Purwidianti Wiwin Dyah Priwanti Zulfa Suhailah