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All Journal Binus Business Review Asia-Pacific Management and Business Application International Research Journal of Business Studies (E-Journal) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SEIKO : Journal of Management & Business YUME : Journal of Management Journal of Humanities and Social Studies Jurnal Ekuilnomi Sinar Sang Surya: Jurnal Pusat Pengabdian kepada Masyarakat JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Jurnal Perspektif Pembiayaan dan Pembangunan Daerah eProceedings of Management JURNAL PENGABDIAN MASYARAKAT AKADEMISI Jurnal Akademik Pengabdian Masyarakat Paradigma Mandiri : Jurnal Pengabdian Kepada Masyarakat International Research Journal of Business Studies Society Proceeding of Community Service and Engagement
Sita Deliyana Firmialy
Universitas Telkom
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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.
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%.
STUDI KELAYAKAN BISNIS UNTUK PENGEMBANGAN PRODUK DEODORAN ORGANIK ROAST RELIEF Alviera Putri; Sita Deliyana Firmialy; Ceuceu Diana Putri; Elza Maharani Albama; Reshinta Indah Syafiera
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.v11i1.54111

Abstract

Abstract. This research aims to conduct a business feasibility study related to the development of an organic deodorant product under the brand Roast Relief. The product is targeted to meet the increasing consumer demand for environmentally friendly and chemical-free personal care products. The research methodology involves market, technical, financial, and management analyses to evaluate the potential success of this product in the market. The market analysis includes market segmentation, consumer trend analysis, and competitor assessment. The results indicate a favorable opportunity for the Roast Relief organic deodorant product in the growing personal care segment. Technical analysis considers production aspects, distribution, and the availability of organic raw materials, with a focus on sustainability and product quality. The research findings indicate that the development of Roast Relief organic deodorant product has positive business potential. By capitalizing on consumer trends supporting eco-friendly products and enhancing quality of life, this product can be an attractive choice for consumers. Abstrak.  Penelitian ini bertujuan untuk melakukan studi kelayakan bisnis terkait pengembangan produk deodoran organik dengan merek Roast Relief. Produk ini diarahkan untuk memenuhi kebutuhan konsumen yang semakin meningkat terhadap produk perawatan pribadi yang ramah lingkungan dan bebas bahan kimia berbahaya. Metode penelitian yang digunakan melibatkan analisis pasar, teknis, keuangan, dan manajemen untuk mengevaluasi potensi keberhasilan produk ini di pasar. Analisis pasar mencakup identifikasi segmentasi pasar, analisis tren konsumen, dan penilaian pesaing. Hasilnya menunjukkan adanya peluang yang baik bagi produk deodoran organik Roast Relief di segmen pasar perawatan pribadi yang berkembang. Analisis teknis mempertimbangkan aspek produksi, distribusi, dan ketersediaan bahan baku organik. Keberlanjutan dan kualitas produk menjadi fokus utama dalam aspek ini. Hasil penelitian menunjukkan bahwa pengembangan produk deodoran organik Roast Relief memiliki potensi bisnis yang positif. Dengan memanfaatkan tren konsumen yang mendukung produk ramah lingkungan dan meningkatkan kualitas hidup, produk ini dapat menjadi pilihan yang menarik bagi konsumen.
Co-Authors Adinda Fazreen Agus Maolana Hidayat Akhmad Yunani Akram, Putra Tri Alviera Putri Amelia, Intan Annisa Salsabilla Azhar, Eva Nuurul Budi Rustandi Kartawinata Cahyaningsih Cahyaningsih Ceuceu Diana Putri Darnaufal, Mochamad Dematria Pringgabayu Dematria Pringgabayu Dewi Aprilia Elza Maharani Albama Eva Nuurul Azhar Gede Wira Wasistha I Nyoman Bontot Imanuddin Hasbi Ismaya Adriyanti Kausar Fattah Akhsan Kurnia, Najwan Fakhrin Maulana, Eza Rivaldy Mochamad Zidan Pamungkas Muhamad Hozali Mutiara Shofrina Neya Maulia Armatya Nursafarina, Aulia Pamungkas, Mochamad Zidan Putra Tri Akram Putri Amalia Putri Amalia Putri Dwi Rusliani Rafly Bintang Pramudya Reshinta Indah Syafiera Riza Andrian Septian Riza Andrian Septiani Sanoyo, Ario Menak Selma Willany Telaumbanua Sherly Artadhita Sherly Artadita Sudarso Kaderi Wiryono Taufiq, Hilmawan Tifanisyaffa, Azelika Wiwin Aminah Yogi Suprayogi Yogi Suprayogi Sugandi Yulia Nur Hasanah Yunieta Anny Nainggolan, Yunieta Anny Zida Naela Salsabilla Zidane, Muhammad zuari, irsal