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PENGARUH FINANCIAL BEHAVIOUR, FINANCIAL ATTITUDE DAN FINANCIAL SKILLS TERHADAP PERILAKU KONSUMTIF IBU RUMAH TANGGA DI KOTA TASIKMALAYA Neya Maulia Armatya; Sita Deliyana Firmialy
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 10 No 2 (2023): JMBI UNSRAT Volume 10 Nomor 2
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v10i2.50384

Abstract

This study aims to determine the role of financial literacy as measured through financial behavior, attitude and skills towards the consumptive behavior of housewives in the city of Tasikmalaya. This research has a type of survey with an asociative causality characteristic that aims to be descriptive and verificative. The object of this study is a housewife in the city of Tasikmalaya, due to the unknown population size, the researchers used a non-probability sampling technique with a purposive sampling technique with 200 respondents. The approach used to determine the relationship between these latent variables is the Structural Equation Modeling-Partial Least Square (SEM-PLS) method with the Bootstrap parameter estimation method. The results of the research show that financial behavior has a positive effect on consumptive behavior, the more positive a person's behavior in managing finances, the more aware of the consumptive behavior they are doing. Financial attitude has a positive effect on consumptive behavior, someone who understands how to spend, save, hoard and dispose of their money will be able to predict what they need or what is important for consumption. Financial skills influence consumptive behavior, the better the skills, the better the ability to make the right decisions in consuming something..
Pengaruh Citra Merek Dan Ulasan Pelanggan Terhadap Keputusan Pembelian Skintific Riza Andrian Septian; Sita Deliyana Firmialy
Jurnal Ekuilnomi Vol. 5 No. 2 (2023): Jurnal Ekuilnomi Vol 5 No 2 Nov 2023
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/ekuilnomi.v5i2.759

Abstract

Tujuan dari penelitian ini adalah untuk melihat pengaruh citra merek dan ulasan pelanggan terhadap keputusan pembelian Skintific. Penelitian kuantitatif digunakan pada penelitian ini dengan metode survei yang dilakukan kepada masyarakat yang mengetahui produk Somethinc. Teknik pengambilan sampel dilakukan dengan teknik non-probability sampling dengan metode purposive sampling dan diperoleh sebanyak 400 responden. Analisis data dilakukan dengan analisis regresi linier berganda. Hasil dari penelitian yaitu terdapat dampak Citra Merek secara parsial dan signifikan pada Keputusan Pembelian pada Skintific, terdapat dampak ulasan pelanggan secara parsial dan signifikan pada Keputusan Pembelian pada Skintific, serta terdapat dampak Citra Merek dan Ulasan Pelanggan pada Keputusan Pembelian pada Skintific
Factors Determining Behavioral Intentions to Use Islamic Fintech: Millennials Generation Eva Nuurul Azhar; Sita Deliyana Firmialy
APMBA (Asia Pacific Management and Business Application) Vol 12, No 3 (2024)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2024.012.03.3

Abstract

Technological advances are consistently rising, with Indonesia witnessing a yearly increase in internet penetration rates. Technological advancements foster innovation in diverse industries, such as finance and banking. Financial technology is an innovative application of current technology in the financial sector, demonstrating the increasing efficiency of the financial system and services. Sharia financial technology exhibits slower growth in comparison to traditional Fintech. Nevertheless, sharia-compliant financial technology presents significant prospects. This study aims to identify the elements that influence the behavioral intentions of the millennial age in using Sharia financial technology. This study employs a quantitative research approach and utilized a questionnaire as the primary instrument for data collection. The acquired data was analyzed using the Structural Equation Model (SEM) and Smart-PLS. This study had a total of 106 participants. The research findings indicate that the acceptance model and technology utilization substantially influence the promotion of behavioral intentions to adopt Sharia Fintech. The distinguishing feature of this study is its emphasis on millennials and the factors that influence their preference to utilize Islamic financial technology.
How does the Theory of Planned Behavior Mediate The Relationship Between Financial Literacy And Impulse Buying on Live Selling Platforms? Putri Amalia; Sita Deliyana Firmialy
APMBA (Asia Pacific Management and Business Application) Vol 12, No 3 (2024)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2024.012.03.2

Abstract

Live-streaming platforms allow for direct communication between merchants and consumers, serving as a promotional platform. Using the Theory of Planned Behavior as a mediating variable, this study seeks to determine how financial literacy affects impulse buying among Indonesian consumers from the Millennial Generation and Generation Z. This study employed a quantitative research methodology and administered questionnaires to 100 individuals. The questionnaire responses were analyzed using the SEM-PLS analysis method with the Smart PLS 4.0 software. The findings of this study indicate that financial literacy has a notable and meaningful impact on Attitude and perceived behavioral control. Additionally, Attitude positively and significantly influences impulse buying behavior, while subjective norms shape this behavior. Moreover, perceived behavioral control positively and significantly influences impulse buying behavior. Furthermore, financial literacy indirectly affects impulse buying behavior through Attitude and perceived behavioral control as mediating variables.
Pengaruh Citra Merek dan Ulasan Pelanggan terhadap Keputusan Pembelian Skintific Riza Andrian Septiani; Sita Deliyana Firmialy
Jurnal Ekuilnomi Vol. 5 No. 2 (2023): Ekuilnomi Vol 5(2) Nov 2023
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/59y8z515

Abstract

Tujuan dari penelitian ini adalah untuk melihat pengaruh citra merek dan ulasan pelanggan terhadap keputusan pembelian Skintific. Penelitian kuantitatif digunakan pada penelitian ini dengan metode survei yang dilakukan kepada masyarakat yang mengetahui produk Somethinc. Teknik pengambilan sampel dilakukan dengan teknik non-probability sampling dengan metode purposive sampling dan diperoleh sebanyak 400 responden. Analisis data dilakukan dengan analisis regresi linier berganda. Hasil dari penelitian yaitu terdapat dampak Citra Merek secara parsial dan signifikan pada Keputusan Pembelian pada Skintific, terdapat dampak ulasan pelanggan secara parsial dan signifikan pada Keputusan Pembelian pada Skintific, serta terdapat dampak Citra Merek dan Ulasan Pelanggan pada Keputusan Pembelian pada Skintific
How Does Self-Control Moderate Shopping Enjoyment and Impulse Buying Among Generation Z Online Gamers? Sherly Artadita; Sita Deliyana Firmialy
Binus Business Review Vol. 15 No. 2 (2024): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v15i2.10697

Abstract

In today’s technological age, access to the Internet is required in various fields, ranging from the essentials (clothing, food, and shelter) to recreation. As a result, people are willing to part with their money for the thrill of playing video games, which frequently leads to impulsive buying. Given this trend, the research examined why male and female gamers in Indonesia made impulsive purchases. The research employed quantitative sampling with a purposive sample type, specifically probability sampling. It looked at 220 Indonesian online Generation Z gamers who bought virtual goods in-game using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) model. From the results, three distinct phenomena are found. Firstly, evidence exists for the significant impact of shopping enjoyment on impulsive buying. Secondly, self-control has an insignificant role in preventing impulse buying. Lastly, the research offers insight into the insignificant role of self-control in moderating the relationship between shopping enjoyment and impulse buying. Among the three dimensions of self-control, cognitive control is the only dimension that has a significant effect on reducing the tendency of impulse buying among Generation Z online gamers. Additional research should assess the insignificant relationship between self-control and impulse buying, which may corroborate or contradict the research findings. Further investigation of potential intermediate variables (e.g., customer loyalty and brand relation) that connect self-control and impulse buying is also needed.
Pelatihan Penganggaran Modal Kerja Berbasis Digital Untuk Komunitas UMKM dan Start-Up Sita Deliyana Firmialy; Sherly Artadhita; Suprayogi, Yogi; Pringgabayu, Dematria; Akram, Putra Tri
JURNAL PENGABDIAN MASYARAKAT AKADEMISI Vol. 2 No. 1 (2024): Januari
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jpma.v2i1.586

Abstract

Through web-based business applications, it helps start-up companies to reach their target markets more quickly and in a more organized manner, with a more efficient level of economic costs compared to using conventional consumer marketing methods which require higher levels of economic costs. However, more than 40% of SMEs and startup companies in Indonesia, both digital and non-digital based, experience financial failure and fail to maintain their business continuously, due to inefficient management of the financial aspects of the organization, which becomes an obstacle for business actors in planning and can also disrupt the level of continuity of the business. This is the background for the need for community service activities in order to improve the quality of financial inclusion, especially in terms of working capital management budgeting for mobile-based SMEs and startup companies. This community service activity was formed to expand knowledge regarding effective and efficient working capital management budgeting, where it is hoped that through this program, mobile-based SMEs and startup business actors will have the knowledge to know the financial strength of their business and can be used as a consideration in decisions and make the business run healthier in the future.
IMPACT OF THE RUSSIA-UKRAINE CONFLICT ON INDONESIAN COMMODITY STOCKS: A SYSTEMATIC LITERATURE REVIEW Sanoyo, Ario Menak; Hidayat, Agus Maolana; Firmialy, Sita Deliyana
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 3 No. 4 (2024): AUGUST
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v3i4.1307

Abstract

The Russia-Ukraine conflict has significantly impacted Indonesian commodity stocks, as revealed by a comprehensive literature review. The conflict has introduced volatility in global markets, directly affecting Indonesian stock commodity-based prices, exchange rates, and investor sentiment. While initial commodity price rises benefited Indonesian stocks, persistent volatility and market interconnectedness pose challenges. This paper employs a systematic literature review methodology, collecting, synthesizing, and analyzing numerous papers published in the last decade on a variety of topics closely related to volatility transmission issues. Based on our review of twenty-seven articles, the result of this paper's analysis underscores the importance of diversifying investments and enhancing resilience against global disruptions. The GARCH models and the Geopolitical Risk Index further emphasize Indonesian commodity stocks' susceptibility to global price fluctuations and geopolitical risks. The research concludes that the Russia-Ukraine conflict has far-reaching consequences for Indonesian stock commodity-based markets, underscoring the need for risk mitigation strategies and enhanced resilience against future geopolitical shocks.
PENGARUH PERCEIVED PERISHABILITY, PERCEIVED LOW PRICE DAN FINANCIAL LITERACY TERHADAP IMPULSIVE BUYING BEHAVIOR Tifanisyaffa, Azelika; Firmialy, Sita Deliyana
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 11 No 1 (2024): JMBI UNSRAT Volume 11 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v11i1.53119

Abstract

One of the e-commerce In Indonesia was chosen as the focus of this study as it is able to represent a significant growing consumer trend, especially in the evolution of online shopping with the implementation of their regularly scheduled sales promotion, the Tanggal Kembar Event. Perceived perishability, perceived low price, and financial literacy are expected to influence customers emotions through attitude towards sales promotion event onto impulsive buying behavior, whether it is positively or negatively with time limitation, price reduction, and finance literacy driven by any form of promotion given by the e-commerce as a stimulus. The research technique used in this study is a quantitative approach with a verificative method where the data results are obtained from distributing questionnaire to 115 Gen Z respondents who use the e-commerce in West Java. SmartPLS was used for data testing. The study findings indicate that perceived perishability and perceived low price has a significant effect on attitude towards sales promotion event, and on impulsive buying behavior. Attitude towards sales promotion event has a significant effect on impulsive buying behavior. Financial literacy negatively affects impulsive buying behavior and attitude towards sales promotion events, which also failed to intervene in the relationship of financial literacy with impulsive buying behavior. We suggest that in the future, researchers should use variables regarding financial decision-making such as financial inclusion to demonstrate more on the effect towards attitude and impulsive buying behavior. The chosen e-commerce are encouraged to continuously refine their Tanggal Kembar sales promotion event program. Considering perceived perishability and perceived low price may become a major opportunity for the e-commerce in triggering an attitude towards sales promotion event that can stimulate customers' impulsive buying behavior.
PENGARUH CUSTOMER SATISFACTION TERHADAP BRAND LOYALTY DENGAN FINANCIAL LITERACY SEBAGAI MODERATOR (STUDI KASUS DI LLS COFFEE) Zidane, Muhammad; sita deliyana firmialy
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 11 No 1 (2024): JMBI UNSRAT Volume 11 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v11i1.53166

Abstract

Customer satisfaction is the most important thing in terms of consumer loyalty to a brand. With the financial literacy of Indonesian society still being very small, will the relationship between customer satisfaction and brand loyalty be strengthened or weakened. The research method used in this research is a quantitative research method by distributing questionnaires. The sample from this research was 101 respondents (Generation Z). The data was processed using the IBM SPSS 26 application. The results of this research are that customer satisfaction influences brand loyalty by 34.3%. financial literacy influences brand loyalty by 2.8%. However, financial literacy as a moderation is not able to moderate the influence of customer satisfaction on brand loyalty with an influence of 35.8%.