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The Influence Of Lifestyle And Financial Literacy On The Use Of Digital Payment Among Students At Dehasen University Bengkulu Yoga Anugra Pratama; Sulisti Afriani; M Rahman Febliansa
Journal of Management, Economic, and Accounting Vol. 5 No. 1 (2026): January
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i1.998

Abstract

This study aims to determine the influence of lifestyle and financial literacy on the use of digital payment among students at Dehasen University Bengkulu. The background of this research is the rapid development of financial technology that encourages students to adopt cashless transactions. However, the lack of financial literacy has led many students to behave consumptively. This research employs a quantitative associative method with 110 student respondents selected using purposive sampling. Data were collected through questionnaires using a Likert scale and analyzed using multiple linear regression with the help of SPSS software, including validity tests, reliability tests, classical assumption tests, t-test, F-test, and the coefficient of determination (R²). The results of the study show that lifestyle and financial literacy have a significant influence on the use of digital payment, both partially and simultaneously. The coefficient of determination (R²) value of 0.670 indicates that 67% of the variation in digital payment use can be explained by lifestyle and financial literacy, while the remaining 33% is influenced by other factors. These findings suggest that students with a higher level of financial literacy and a more productive lifestyle tend to use digital payment more wisely and efficiently. Therefore, improving financial literacy is essential to encourage responsible digital financial behavior among university students.
The Influence Of Price And Physical Evidence On Purchase Decisions On Shopee E-Commerce In The City Of Bengkulu Husnul Nugroho; M Rahman Febliansa; Dennis Rydarto
Journal of Management, Economic, and Accounting Vol. 5 No. 1 (2026): January
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i1.1020

Abstract

This research is important to understand how much influence Price and Physical Evidence together in forming online consumer Purchasing Decisions in Bengkulu City This research aims to examine the influence of price and physical evidence on purchasing decisions on Shopee e-commerce in Bengkulu City. The focus of this research is to find out whether price and physical evidence influence purchasing decisions on Shopee e-commerce in Bengkulu City. The approach used is a quantitative approach with primary data. The sample in this study was the people of Bengkulu City, namely 130 people. The results of the linear regression analysis are Equation Y = 1.909 + 0.470 X1 + 0.459 X2 + e, this describes a positive regression direction, meaning that the price variable, physical evidence, has a positive influence on purchasing decisions on Shopee e-commerce in Bengkulu City. From the results of calculations using SPSS 25, it can be seen that the coefficient of determination R square is 0.758. This means that the value of Price (X1) and physical evidence (X2) influences the purchasing decision (Y) by 75.8% while the remaining 24.2% is influenced by other variables not examined in this study. The results of the t-test at a significance level <0.05 explain that partially Price (X1) and physical evidence (X2) have a significant influence on purchasing decisions on Shopee e-commerce in Bengkulu city. If the f test result is less than 0.000, then the variables Price (X1) and physical evidence (X2) have a significant influence on purchasing decisions (Y) on Shopee e-commerce in Bengkulu city.
The Influence Of Gamification, Exclusive Promotions, And Consumer Trust On Customer Loyalty In Shopee E-Commerce (A Case Study Of Unived Bengkulu Students) Vandri Salomo Lumban Gaol; Tito Irwanto; M. Rahman Febliansa
Jurnal Pakar Manajemen Vol. 2 No. 2 (2026): Maret
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jpm.v2i2.471

Abstract

This study aims to determine the influence of gamification, exclusive promotions, and consumer trust on Shopee customer loyalty among students of Universitas Dehasen Bengkulu. The background of this research is based on the increasing competition among e‑commerce platforms that demands innovation in retaining user loyalty, where Shopee presents gamification features and exclusive promotions as its main strategies. The research method used a quantitative approach with descriptive and associative study types. The study sample consisted of 100 respondents who were active students of Universitas Dehasen Bengkulu and active Shopee users. Data were collected via an online questionnaire using Google Forms, then analyzed with the help of SPSS version 22 through validity and reliability tests, as well as multiple linear regression analysis to determine the influence of each variable. The results show that, partially, the variables gamification (X₁), exclusive promotions (X₂), and consumer trust (X₃) significantly influence customer loyalty (Y), with significance values of 0.044; 0.032; and 0.017 respectively (< 0.05). Simultaneously, the three variables significantly affect customer loyalty with an R² value of 0.698, meaning 69.8% of the variation in customer loyalty can be explained by these three independent variables. Based on the results, it can be concluded that gamification, exclusive promotions, and consumer trust play important roles in increasing Shopee customer loyalty. These findings imply that enhancing interaction, trust, and an engaging shopping experience can be effective strategies for retaining customers amid increasingly intense digital competition.
The Effect of Online Customer Reviews, Online Customer Ratings, and Product Diversity on Purchase Decisions of Generation Z Shofi Rahmadannia Putri; Siti Hanila; Muhammad Rahman Febliansa
Innovative Business Management Journal Vol. 2 No. 2 (2026): April
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/ibm.v2i2.469

Abstract

Changes in consumption behavior due to the development of digital This study aims to analyze the influence of online customer reviews, online customer ratings, and product diversity Purchase Decisions of Generation Z, Bengkulu City. The results show that the multiple linear regression equation obtained is Y = 15.186 + 0.265X₁ + 0.285X₂ + 0.295X₃ + e. The coefficients are positive, meaning that there is a positive or unidirectional relationship between the variables of online customer reviews (X₁), online customer ratings (X₂), and product diversity (X₃), with a value of 0 (zero) on the purchase decisions (Y) of Generation Z, Bengkulu City. The results show that the online customer review (X₁) test indicates a t-count of 2.706 > t-table 1.654 and a significance of 0.008 < 0.05, so Ha hypothesis is accepted and Ho is rejected, meaning that online customer reviews have a positive and significant effect on Generation Z's purchase decisions, Bengkulu City. The results of the online customer rating test (X₂) show t-count of 1.896 > t-table 1.654 and a significance of 0.006 < 0.05, so the results of Ha hypothesis are accepted and Ho hypothesis is rejected, meaning that online customer ratings have a positive and significant effect on Generation Z's purchase decisions in Bengkulu City. The results of the product diversity test (X₃) show that t-count is 2.926 > t-table 1.654 and the significance is 0.004 < 0.05, so the Ha hypothesis is accepted and the Ho hypothesis is rejected, meaning that product diversity has a positive and significant effect on Generation Z's purchase decisions in Bengkulu City. Based on a comparison of the calculated f count with the table f value, the calculated f value is greater than the table f value, namely 25.322 > 2.66, and R² has a value of 0.614, which means that 61.4% of the variation in purchase decisions can be explained by the variables of online customer reviews, online customer ratings, and product diversity, while the rest is influenced by other factors outside this study.
The Effect of Service Quality and Location on Customer Satisfaction at Kedai 99 in Kaur Regency Adisi Putra; Nurzam Nurzam; Muhammad Rahman Febliansa
Innovative Business Management Journal Vol. 2 No. 2 (2026): April
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/ibm.v2i2.696

Abstract

The Customer satisfaction is one of the key indicators of success that every organization seeks to achieve. Several factors influence customer satisfaction, including service quality and location. The main issue examined in this study is the extent to which service quality and location affect customer satisfaction at Kedai 99, Kaur Regency. This study aims to determine the effect of service quality and location on customer satisfaction, both simultaneously and partially. The independent variables in this research are service quality (X1), which refers to reliability, responsiveness, assurance, empathy, and tangible evidence, and location (X2), which includes accessibility, visibility, traffic conditions, parking facilities, and expansion potential. The dependent variable is customer satisfaction (Y), which is measured through overall service satisfaction, willingness to recommend to others, and intention to reuse the service. This research is a quantitative study in which data collection is represented in numerical form. The population of this study consists of customers of Kedai 99 in Kaur Regency. The sampling technique used was non-probability sampling, with 100 consumers as the population. Based on the Slovin formula, 80 respondents were selected as samples to test the relationships among variables. The results of the study indicate that service quality has a significant effect on customer satisfaction at Kedai 99, Kaur Regency. Based on the t-test results, the significance value obtained was 0.000, which is smaller than 0.05, indicating that the hypothesis stating service quality significantly affects customer satisfaction is accepted. Furthermore, the coefficient of determination test shows a value of 0.928 or 92.8%, meaning that service quality explains 92.8% of the variation in customer satisfaction, while the remaining 7.2% is influenced by other variables outside the regression model.
The Influence Of Janji Jiwa Coffee Product Price And Quality On Buyer Decisions (Study Of Gen Z In Bengkulu) Riko Tampati; Ida Ayu Er Meytha Gayatri; M. Rahman Febliansa
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 2 No. 4 (2026): July
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jemba.v2i4.838

Abstract

The purpose of this study was to determine the simultaneous influence of price and product quality on purchasing decisions for Kopi Janji Jiwa (a study of Generation Z in Bengkulu). The research method used was a survey, using a questionnaire as the instrument. The regression equation analysis obtained was Ŷ = 5.124 + 0.348X1 + 0.521X2, indicating that price and product quality have a positive influence on purchasing decisions. Thus, an increase in both variables tends to increase Generation Z's decision to purchase Kopi Janji Jiwa in Bengkulu City. The coefficient of determination value of 0.709 indicates that 70.9% of purchasing decisions are influenced by price and product quality, while the remaining 29.1% are influenced by other variables outside this study. The t-test results at a significance level of 0.05 indicate that price and product quality have a significant partial influence on purchasing decisions, while the F-test results at a significance level of 0.00 also prove that both variables simultaneously have a significant influence on purchasing decisions for Kopi Janji Jiwa among Generation Z in Bengkulu City.
The Effect Of Work-Life Balance And Rewards On Turnover Intention Of Solaria Bengkulu Employees Iklas Ade Putra; Ida Ayu Er Meytha Gayatri; M. Rahman Febliansa
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 2 No. 4 (2026): July
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jemba.v2i4.839

Abstract

The purpose of this study was to determine the effect of work-life balance and rewards on turnover intention among Solaria Bengkulu employees. This quantitative research employed a survey method and a questionnaire as the instrument. The results of the regression analysis showed Y = 55.451 - 0.208X1 - 0.347X2, indicating that Work-Life Balance (X1) and Rewards (X2) negatively influence Turnover Intention (Y). Improving Work-Life Balance and providing positive rewards can reduce employees' desire to leave the company. The coefficient of determination was 49.3%. This means that work-life balance and rewards contribute 49.3% to turnover intention, while other variables not examined in the study influence the remaining 50.7%. The t-test results at a significance level of 0.05 indicate that Work-Life Balance and Rewards partially significantly influence Turnover Intention among Solaria Bengkulu employees. The results of the F test at a significance level of 0.05 explain that the Work-Life Balance and Reward variables have a significant influence on the Turnover Intention variable for Solaria employees in Bengkulu.
Effective Personnel Recruitment Management Strategies For The Bengkulu Regional Police Lastomo Lastomo; Ahmad Soleh; Muhammad Rahman Febliansa
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.10521

Abstract

The objectives of this study are: 1) to describe and analyze effective recruitment management strategies to produce quality police personnel; 2) to describe and analyze the factors that influence the effectiveness of recruitment management for the Bengkulu Regional Police personnel; and 3) to describe and analyze solutions for overcoming the factors that affect the effectiveness of recruitment management for personnels of the Bengkulu Regional Police.This research is qualitative with a descriptive approach. Data collection techniques used observation, interviews, and documentation. The data analysis technique in this study used data triangulation based on Miles and Huberman's theory, namely data reduction, data display, and verification/conclusion. The results of this study indicate: the recruitment management strategy for the Bengkulu Regional Police personnel has been directed toward the principles of professionalism, transparency, accountability, and responsiveness to the local context. The planning stage becomes an important foundation because it determines the alignment between personnel needs and the dynamics of community security and social conditions. Recruitment implementation, marked by the application of digitization, the BETAH principles, and involvement of external stakeholders, demonstrates the seriousness of the National Police in building a selection process that is accountable and open. Meanwhile, the evaluation carried out comprehensively, participatively, and oriented toward continuous improvement makes the recruitment process not only function as a technical selection mechanism but also as an organizational learning tool. The factors supporting the success of the recruitment strategy include national regulations, leadership support, interagency synergy, availability of adequate resources, community involvement, and the quality of the recruitment team and internal supervisors. However, there are still obstacles such as negative public perceptions of the police profession, limited digital literacy among prospective candidates, technical barriers in implementing computer-based systems, and limited access to information in rural areas. Efforts by the Bengkulu Regional Police to overcome these obstacles are visible through improved public communication quality, provision of adaptive technological solutions, and intensive internal coordination.
The Effect Of Work Engagement, Work Stress, and Motivation on Employee Performance of PT. Daria Dharma Pratama Ipuh Nining Septia; Karona Cahya Susena; Muhammad Rahman Febliansa
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11824

Abstract

This study aims to analyze the effect of work engagement, work stress, and motivation on the employee performance of PMKS Ipuh PT. Daria Dharma Pratama. The research employed a quantitative approach with an explanatory research design and multiple linear regression analysis using IBM SPSS version 25. The research population consisted of 117 permanent employees, with a saturated sampling technique applied. Data were collected through a questionnaire using a 5-point Likert scale and analyzed through validity tests, reliability tests, multiple linear regression analysis, t-test (partial), F-test (simultaneous), and coefficient of determination (R²). The results show that work engagement has a positive and significant effect on employee performance (β = 0.184; p = 0.012), work stress has a negative and significant effect (β = −0.075; p = 0.035), and motivation is the most dominant predictor with a positive and significant effect (β = 0.369; p = 0.000). Simultaneously, the three variables significantly affect employee performance (F = 43.313; p = 0.000) with a coefficient of determination of 53.5%. The study concludes that motivation serves as the primary driver of performance, while work engagement acts as a facilitating condition and work stress functions as an inhibiting factor requiring management. Integrated and holistic human resource management interventions are recommended, with priority given to enhancing motivation, maintaining work engagement, and implementing comprehensive stress management programs.