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Pengaruh Literasi Keuangan dan Digital Payment terhadap Perilaku Konsumtif Generasi Z di Kelurahan Paccinongang Kabupaten Gowa Nur Annisa Sudirman; M. Ikhwan Maulana Haeruddin; Anwar Anwar; Nurman Nurman; Annisa Paramaswary Aslam
JURNAL RISET MANAJEMEN (JURMA) Vol 4 No 2 (2026): June: JURNAL RISET MANAJEMEN (JURMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jurma.v4i2.3964

Abstract

This study aims to analyze the effect of financial literacy and digital payment on the consumptive behavior of Generation Z in Paccinongang Village, Gowa Regency. The research method used is a quantitative approach with a causal design. Data were collected through questionnaires distributed to 110 respondents of Generation Z residing in Paccinongang Village who had used digital payment, using purposive sampling. Data analysis was performed using multiple linear regression with SPSS. The results show that financial literacy has a positive and significant effect on consumptive behavior, with a regression coefficient of 0.401, t-count of 9.705, and significance of 0.000. Digital payment also has a positive and significant effect on consumptive behavior, with a regression coefficient of 0.447, t-count of 11.429, and significance of 0.000. Simultaneously, financial literacy and digital payment have a significant effect on consumptive behavior with an F-count of 124.540 and significance of 0.000. The Adjusted R-square value of 69.4% indicates that both independent variables are able to explain the variation in consumptive behavior at a high category. This means that the higher the level of financial literacy and the intensity of digital payment usage, the higher the consumptive behavior of Generation Z in Paccinongang Village, Gowa Regency.
Pengaruh Brand Image dan Electronic Word of Mouth terhadap Repurchase Decision dengan Customer Satisfaction sebagai Variabel Intervening pada Ashbab Coffee Khadarianti Khadarianti; Nurman Nurman; Muhammad Ilham Wardhana Haeruddin; Muhammad Ichwan Musa; Nurul Fadilah Aswar
Epsilon Journal of Management Vol. 4 No. 1 (2026): April : Epsilon : Journal of Management (EJoM)
Publisher : Lembaga Pengabdian Masyarakat Universitas Ichsan Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/epsilon.v4i1.158

Abstract

The rapid development of coffee shop businesses in Indonesia has intensified competition among business actors, requiring companies to implement effective marketing strategies to maintain customer loyalty and encourage repeat purchases. In this context, brand image and Electronic Word of Mouth (E-WOM) are considered important factors that influence consumer perceptions and purchasing behavior. A positive brand image can create favorable impressions in the minds of consumers, while Electronic Word of Mouth through digital platforms allows customers to share experiences and opinions about products or services with a wider audience. This study aims to analyze the effect of brand image and Electronic Word of Mouth on Repurchase Decision with Customer Satisfaction as an Intervening variable. The research was conducted on consumers of Ashbab Coffee who had previously purchased its products. This study uses a quantitative approach with a survey method. Data were collected through questionnaires distributed to respondents who met the research criteria. The collected data were then analyzed using statistical analysis techniques to determine the relationship between the variables studied. The results of the study indicate that brand image and Electronic Word of Mouth have a positive and significant influence on Customer Satisfaction and Repurchase Decision. In addition, Customer Satisfaction also acts as a mediating variable that strengthens the relationship between brand image, Electronic Word of Mouth, and Repurchase Decision. These findings suggest that maintaining a positive brand image and encouraging positive Electronic Word of Mouth can increase Customer Satisfaction and encourage consumers to make repeat purchases.
Pengaruh Ukuran Perusahaan dan Struktur Modal Terhadap Profitabilitas pada Perusahaan Sektor Finansial yang Terdaftar di Bursa Efek Indonesia Tahun 2022-2024 Nurlaelah Asti; Nurman Nurman; Anwar Anwar; Abdul Rahman; Annisa Paramaswary Aslam
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 4 No. 2 (2026): Juni: Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v4i2.2567

Abstract

The financial sector plays a strategic role in supporting national economic stability, making company profitability an important indicator of financial performance sustainability. Differences in business scale and funding decisions among firms are assumed to influence their ability to generate profits. This study aims to analyze the effect of company size and capital structure on profitability in financial sector companies listed on the Indonesia Stock Exchange during the 2022–2024 period. This research adopts a quantitative approach with an associative research design. Secondary data were obtained from annual financial statements, with a sample of 39 companies selected through purposive sampling based on specific criteria. Panel data regression analysis was employed using EViews 13, preceded by model selection tests. The results indicate that company size, measured by the natural logarithm of total assets, has a positive but insignificant effect on profitability proxied by Return on Assets, suggesting that asset growth has not been accompanied by optimal efficiency improvements. Meanwhile, capital structure measured by the Debt to Equity Ratio shows a negative and significant effect on profitability, indicating that excessive reliance on debt tends to reduce profit levels due to higher financial risk and interest burden. These findings imply that financial sector companies should emphasize efficient asset management and maintain an optimal funding structure to achieve sustainable profitability
Pengaruh Faktor Makroekonomi terhadap Return Saham pada Perusahaan Manufaktur PT Barito Pascific Periode 2015-2024 Ulfa Hakiki Annur; Nurman Nurman; Rezky Amalia Hamka; Anwar Anwar; Abdul Rahman
Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset Vol. 4 No. 4 (2026): Juli: Jurnal Penelitian Manajemen dan Inovasi Riset
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/lokawati.v4i4.2589

Abstract

This study aims to determine the partial and simultaneous effects of macroeconomic factors on stock returns at the manufacturing company PT Barito Pacific for the period 2015–2024. The macroeconomic factors used in this study include interest rates, inflation, and exchange rates, as these three variables are economic indicators frequently associated with fluctuations in stock returns. This study employs a quantitative approach using a documentary method. The population consists of all quarterly data from PT Barito Pacific for the period 2015–2024. Sampling was conducted using saturated sampling, in which the entire population was included as the study sample, comprising 40 quarterly data points. Multiple linear regression analysis was performed using SPSS Statistics 2025. The results indicate that, when analyzed individually, interest rates have a positive but insignificant effect, inflation has a negative but insignificant effect, and the exchange rate has a negative and significant effect on stock returns. However, when analyzed simultaneously, interest rates, inflation, and the exchange rate do not have a significant effect on the stock returns of the manufacturing company PT Barito Pacific for the period 2015–2024. It is hoped that the results of this study can serve as a reference for investors and future researchers in understanding the relationship between macroeconomic factors and stock returns.
Analisis Kinerja Keuangan dengan Menggunakan Metode Du Pont System pada PT HM Sampoerna Tbk Periode 2020-2022 Hasrul Hasrul; Agung Widhi Kurniawan; Romansyah Sahabuddin; Uhud Darmawan Natsir; Nurman Nurman
Jurnal Publikasi Manajemen Informatika Vol. 3 No. 3 (2024): JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v3i3.3810

Abstract

The consumer goods industry, including the tobacco sector, plays a critical role in Indonesia's economy. Despite facing intense competition and regulatory challenges, this sector contributes significantly to national revenue through taxes and duties. Indonesia, with one of the highest smoking rates globally, saw substantial revenue from Tobacco Excise Duties (CHT), amounting to IDR 198.02 trillion in 2022. The COVID-19 pandemic exacerbated challenges by causing significant tax hikes, leading to reduced purchasing power and increased demand for illegal cigarettes. This study focuses on PT HM Sampoerna Tbk, a major player in the Indonesian tobacco industry, evaluating its financial performance using the Du Pont System for the years 2020-2022. The analysis reveals fluctuating Return On Equity (ROE), a declining Net Profit Margin (NPM), and Return On Assets (ROA), despite stable Total Assets Turnover (TATO) and Equity Multiplier (EM). The findings highlight the impact of external economic pressures and regulatory changes on the company's profitability and operational efficiency. This study provides insights into how financial performance metrics reflect the broader economic context and the effectiveness of management strategies.
Komunikasi Internal dan Iklim Organisasi sebagai Determinan Kepuasan Kerja Pegawai di Pusjar SKMP LAN Makassar Febrianti Rara Topadang; Nurman Nurman; Burhanuddin Burhanuddin; Agung Widhi Kurniawan; Rezky Amalia Hamka
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 4 No. 1 (2026): Januari : JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime.v4i1.3732

Abstract

This study aims to examine the effect of internal communication and organizational climate on employee job satisfaction at the Center for Learning and Government Management Policy Strategy, National Institute of Public Administration (Pusjar SKMP LAN) Makassar. The research employed a quantitative approach with an explanatory design. The population consisted of all 73 employees of Pusjar SKMP LAN Makassar, and a saturated sampling technique was applied. Data were collected using Likert-scale questionnaires and analyzed through multiple linear regression after meeting validity, reliability, and classical assumption requirements. The results indicate that internal communication and organizational climate simultaneously have a positive and significant effect on employee job satisfaction. Partially, internal communication shows a more dominant influence compared to organizational climate. These findings suggest that information clarity, effective communication channels, timely information delivery, and open feedback mechanisms play a crucial role in enhancing job satisfaction. Furthermore, a supportive organizational climate characterized by leadership support and harmonious working relationships strengthens employee comfort and engagement. This study contributes theoretically to the development of human resource management literature in the public sector and provides practical implications for improving internal communication management and organizational climate within government institutions.
Pengaruh Lingkungan Fisik dan Kualitas Layanan Petugas terhadap Kepuasan Pasien pada Pusat Kesehatan Masyarakat (PUSKESMAS) Sumbang Kecamatan Curio Kabupaten Enrekang Nhada Nhada; Nurman Nurman; Burhanuddin Burhanuddin; Agung Widhi Kurniawan; Rahmat Riwayat Abadi
Jurnal Manajemen Kreatif dan Inovasi Vol. 4 No. 3 (2026): Juli : Jurnal Manajemen Kreatif dan Inovasi
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jmki-widyakarya.v4i3.6746

Abstract

This study aims to analyze the influence of the physical environment and the service quality of health center staff on patient satisfaction at the Sumbang Community Health Center (Puskesmas), Curio District, Enrekang Regency. This research employed a quantitative approach using a survey method through questionnaires distributed to respondents. The study population consisted of all patients of Puskesmas Sumbang in 2024, totaling 4,968 individuals, with a sample of 100 respondents determined using the Slovin formula. Data analysis techniques included instrument testing, classical assumption tests, multiple linear regression analysis, and hypothesis testing processed using IBM SPSS Statistics version 27. The results show that the physical environment and service quality of health center staff have a positive and significant effect on patient satisfaction. Multiple linear regression analysis indicates that improvements in the physical environment and staff service quality increase patient satisfaction. The coefficient of determination shows that 56.7% of patient satisfaction can be explained by these two variables, while the remaining percentage is influenced by other factors outside the research model.
Co-Authors A. Fadel Muhammad A. Ridha, Ariati A.A. Ketut Agung Cahyawan W Abadi, Rahmat Riwayat Abdi Akbar Idris Abdul Rahman Abdul Rahman Abdullah, Nurfiana Adryani Ris Agung Widhi Kurniawan Ahmad Ali Ahmad Muliyadi Akbar, Andi Muhammad Alda, Natasya Aldri Frinaldi Alhanannasir Alhanannasir Ali , Ahmad Alif Julviani Alimuddin, Reski Ayu Magfira Alir, Rahmat Fajrin Amiruddin Tawe Amrillah, Muhammad Faisal Anand, Andi Rezkyawan Fachrul Anastashia Maharani Muhadi Andi Abriani Ayu Sari Andi Mustika Amin Andika Mustika Amin Annisa Paramaswary Aslam Anwar Anwar Anwar Anwar Anwar Ramli Anwar Ramli Aprilia, Rizky Ardiansyah, A. Ferry Ardiansyah Ardianyah, Ardiansyah Arshi Naisya Wahyuni Askiah A.R, Alfiani Aslam, Annisa Paramaswary Astika Jabir Ayu, Reski Azizah, Rifca Farih Budi Mulianto Budiyanti , Hetty Burhanuddin , Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Chalid Imran Musa Chalid Imran Musa Dani Setiawan Dani Setiawan Darmawan Natsir, Uhud Darmawinata, Widhi Nugraha Sumiharja Deka Uli Fahrodi Dessy Kurnia Mulyani Devi Bunga Pagalla Dhimas Andi Andriansyah Dian Isqamah M Dian Jaatsyiah Noer’s Dipoatmodja, Tenri Sayu Puspitaningsi Dipoatmodjo, Tenri SP Dirhamzah, Dirhamzah Diva Ariska Ananda Eka Komalasari Elza Zuhry Ersya, Muhammad Prima Fahira, Miftah Rizka Farid, A Muhammad Fatmariza Fatmariza Fatmawati A. Rahman Febi Amelia Putri Febrianti Rara Topadang Hakim, Sufyan Hamsal Hamsal Hamzah, Zulfadli Hasbiah, Siti Hasrul Hasrul Hasyimuddin, Hasyimuddin Hefriyenni, Resti Herianti, Herianti Hety Budiyanti Hety Budiyanti, Hety Hety Budiyanty Hety Budyanti HUSNA, ASMA'UL Ichwan Musa, Muh Ichwan Musa, Muhammad Iin Musdalifah WS Indrawadi, Junaidi Irwan, Shabrina Nurfadhilah Isna Rahma Dini Isnarmi Moeis Jusrawati Jusrawati Karimatul Hidayah Karmila, Yusri Kasmiati Kasmiati Khadarianti Khadarianti Khaidir Syahrul Khusnul Khatimah Kristina Parisi Luthfi, Zaky Farid M. Ikhwan Maulana Haeruddin M. Irfan Mardatillah, Annisa Marsannudin, Marsanuddin Marsudi Marsudi Masita, Istiqoma Dinda Maulina, Argita Sara Melly Ratnah Dyah Muh. Aslam Syam Yunus Muhammad Arif Muhammad Icwan Musa Muhammad Ilham Wardhana Haeruddin Muliana Agus Musa , Muh. Ikhwan Musa, Muh Ichwan Musa, Muhammad Ichwan Muspa, Ade Mustadirham, Mustadirham Mustikawati Annisa Nabila Allaini Nurzahra Nasir, Yusrianto Natsir , Uhud Darmawan Natsir, Uhud Darmawan Nhada Nhada Nisaul Husna Ramadhani Ilham Nor Indriyanti Nur Annisa Sudirman Nur Rahmah Nur Rahmah Nur Saidah Said, Nur Saidah Nurafni Nurafni NurAfni NurAfni Nuralisa Nuralisa Nurcahaya, Nurcahaya Nurhalimah Nurhalimah Nurhidayanti, Helmi Nurlaelah Asti Nurmasari, Nurmasari Nursidar, Nursidar Nurul Auliyah Sukri Nurul Fadilah Aswar Nurwatul Wardah Muis Nurwijayanti Pole, Yogi Adnal Fathirullah Pramudita, Andi Widya Purnama, Muhammad Rio Putri Susana Bela QUDRATUDDARSI, HILMAN Qur’ana Asnan, Nanda Nur Raden Imam Al Hafis Raden Imam Al Hafis Rahma Rusdi, Nur Rahmah, Mufti Hatur Rahmat Fajrin Alir Rahmawati, Rahmawati Rahmiani Rahmiani Ramandha, Raiqah Inayah Ramlah Ramlah Ranggi Ade Febrian Rauf, Anwar Razak, Askari Retno Sari Rezky Amalia Hamka Rezky Natakusuma Amin Rezky Nurul Amaliah Riauan, Muhd Ar. Imam Risa Pradista, Noviana Riska Damayanti Rivan Syarif Kaisar Romansyah Sahabuddin Roshinta, Maudy Ruma, Zainal Rusmadi Rukmana Sakti, Hadi Gunawan Salim, Muftihaturrahma Sari, Rani Novita Sartika, Andi Triayu Selvi Anggraeni Septaningsih, Andi Citra Siti Hasbiah Sitti Hasbiah Sonda R, Steven Sri Wulandari St. Aisyah Sijid St. Hasnia Steviayu Lestari Sudirman Sudirman Suhartono Sukri, Al Suriansyah, Suriansyah Suyatno Suyatno SY, Nursyamsi Syafitri, Indrian Syamsiara Nur Syamsir Syamsir Syamsurizal Syamsurizal Syarif Hidayat Amrullah Tasya Maharani Tawe, Amiruddin Tenri S.P.Dipoatmodjo Tenri Sayu Puspitanigsih Dipoatmodjo Tenri Sayu Puspitaningsih Dipoatmodjo Thalib, Hambali Tuada, Rasydah Nur Turrahmi, Mawadda Turrahmi, Mawaddah Ulfa Hakiki Annur Upriani, Upriani Utomo, Dini Fauziyah Vivindra, Riri Dwi Wulandari Wulandari Yanti Fardayanti Yesi Anita Yuliana Yuliana Yulianti Yulianti Yunadia Zahratul Afiqah Zainal Ruma Zainal Zainal