Garuda - Garba Rujukan Digital

FAKTOR DETERMINAN PERILAKU KONSUMTIF MAHASISWA GEN Z : LITERASI KEUANGAN, E-WALLET, ADVERTISING EXPOSURE DAN SELF-CONTROL Jaman, Mohamad Badru; Kusmiati, Eti; Wufron, Wufron
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.v9i3.6303

Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, penggunaan e-wallet, dan paparan iklan terhadap perilaku konsumtif mahasiswa Generasi Z, dengan self-control sebagai variabel mediasi. Studi ini didasari oleh model Stimulus–Organism–Response (SOR), yang memandang perilaku konsumtif sebagai respons dari stimulus eksternal yang dimediasi oleh faktor psikologis internal. Pendekatan kuantitatif digunakan dalam penelitian ini dengan metode Partial Least Squares Structural Equation Modeling (PLS-SEM). Sampel terdiri dari 210 mahasiswa aktif di Kabupaten Garut yang telah menggunakan e-wallet dan media sosial secara intensif selama 12 bulan terakhir. Instrumen penelitian berupa kuesioner tertutup dengan skala Likert lima poin yang mencakup lima konstruk utama: literasi keuangan, penggunaan e-wallet, advertising exposure, self-control, dan perilaku konsumtif. Hasil penelitian menunjukkan bahwa literasi keuangan memiliki pengaruh signifikan terhadap self-control, dan self-control berpengaruh negatif signifikan terhadap perilaku konsumtif. Mediasi self-control juga terbukti signifikan dalam hubungan antara literasi keuangan dan perilaku konsumtif. Sebaliknya, penggunaan e-wallet dan paparan iklan tidak menunjukkan pengaruh signifikan baik terhadap self-control maupun perilaku konsumtif secara langsung maupun tidak langsung. Temuan ini menekankan pentingnya aspek internal mahasiswa, khususnya self-control, dalam mengelola dorongan konsumtif di era digital. Penelitian ini memberikan kontribusi praktis bagi institusi pendidikan dalam merancang program literasi keuangan berbasis kontrol diri serta bagi industri digital untuk mempertimbangkan pendekatan etis dalam strategi pemasaran. Kata kunci: Literasi keuangan, e-wallet, Advertising Exposure, self control, perilaku konsumtif.

EKSPLORASI SENTIMEN MASYARAKAT TENTANG PINJOL MELALUI DATA TWITTER Salamatuddaroen, Intan; Kusmiati, Eti; Roji, Fikri Fahru
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.v9i3.6393

Fenomena pinjaman online (pinjol) telah menimbulkan persoalan sosial yang signifikan di masyarakat, mulai dari tekanan finansial, gangguan psikologis, hingga intimidasi akibat praktik penagihan yang agresif. Penelitian ini bertujuan untuk mengeksplorasi sentimen masyarakat terhadap layanan pinjol dengan memanfaatkan data media sosial Twitter sebagai cerminan opini publik yang bersifat alami dan spontan. Pendekatan yang digunakan adalah kualitatif berbasis text mining dengan algoritma IndoBERT untuk klasifikasi sentimen. Data awal berupa 19.326 tweet dikumpulkan dalam periode 1 Januari hingga 30 Juli 2025. Untuk keperluan simulasi dan visualisasi, digunakan sampel representatif sebanyak 100 tweet dengan proporsi yang merefleksikan distribusi sentimen pada data asli. Hasil klasifikasi sentimen menunjukkan dominasi sentimen negatif (70,2%), diikuti sentimen netral (15,3%) dan positif (6,5%). WordCloud mengungkapkan kata-kata dominan seperti “galob”, “tagih”, dan “debt collector” dalam sentimen negatif, serta kata “terbantu” dan “solusi” dalam sentimen positif. Temuan ini mengindikasikan bahwa persepsi negatif terhadap pinjol masih sangat kuat, mencerminkan rendahnya kepercayaan publik terhadap layanan keuangan digital, khususnya yang tidak terdaftar secara resmi. Penelitian ini merekomendasikan penguatan regulasi, literasi digital, serta pendekatan perlindungan konsumen sebagai langkah strategis dalam membangun ekosistem pinjaman online yang lebih etis dan berkelanjutan di Indonesia.

What Drives Customers to Choose Branchless Banking? An Empirical Study Using the Analytic Hierarchy Process Kusmiati, Eti; Alam Hamdani, Nizar; Fauziah, Hanifah; Mariam Kurniati, Dinar; C. Resmi, Melly
Khazanah Sosial Vol. 7 No. 3 (2025): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v7i3.45477

This study aims to analyze customer preferences in choosing Branchless Banking services by examining various perceptions that influence their decision-making. The research focuses on four key factors: Perceived Ease of Use, Perceived Trust, Perceived Usefulness, and Perceived Risk. The Branchless Banking services evaluated in this study include BRILink, Agen46, and Mandiri Agen, platforms developed by major banks in Indonesia to expand financial services through agent-based networks. A mixed-methods approach was employed, combining quantitative analysis using the Analytic Hierarchy Process (AHP) and the Expert Choice software with qualitative insights to enrich the interpretation of results. Data were collected from 100 respondents with experience using all three services, ensuring a relevant and comprehensive evaluation. The findings reveal that Perceived Ease of Use is the most dominant factor influencing customer choice, with a weight of 39.40%, followed by Perceived Usefulness at 23.90%. Trust ranked third at 22.30%, while Risk had the lowest weight at 14.30%. Further analysis indicates that BRILink is the most preferred branchless banking service, scoring the highest (45.5%) across all criteria: Perceived Ease of Use, Perceived Usefulness, Trust, and Risk. These results suggest that BRILink aligns best with customer expectations across the evaluated dimensions. The study offers strategic insights for financial institutions to enhance agent banking services through a customer-centric approach.

PEMILIHAN PROGRAM AFFILIATE MENGGUNAKAN PERSPEKTIF ANALYTICAL HIERARCHY PROCESS Almaiddah, Syinta; Kusmiati, Eti; Roji, Fikri Fahru
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.4943

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keputusan affiliator dalam memilih program affiliate pada platform Shopee dan Tik-Tok di Indonesia. Fokus penelitian ini adalah pada tiga kriteria utama: insentif finansial, sistem pembayaran, dan kemudahan penggunaan. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan pendekatan komparatif, di mana data dikumpulkan melalui kuesioner yang disebarkan kepada 100 responden yang merupakan affiliator di kedua platform tersebut. Teknik analisis data yang digunakan adalah Analytical Hierarchy Process (AHP) dengan bantuan perangkat lunak Expert Choice untuk menentukan prioritas kriteria yang mempengaruhi keputusan affiliator. Hasil penelitian menunjukkan bahwa insentif finansial, khususnya komisi dan bonus, menjadi faktor dominan dalam memilih program affiliate, diikuti oleh sistem pembayaran yang cepat dan aman, serta kemudahan penggunaan platform. Penelitian ini memberikan implikasi praktis bagi perusahaan dalam merancang dan meningkatkan program affiliate mereka, dengan fokus pada peningkatan insentif, sistem pembayaran yang efisien, dan kemudahan penggunaan platform. Penelitian ini juga menemukan bahwa platform yang menawarkan insentif yang lebih besar dan kemudahan dalam transaksi lebih menarik bagi affiliator.

From TED to Fintech: Mining Speaker Sentiments for Insights into The Future of Finance Cahyani, Virly; Alamanda, Dini Turipanam; Kusmiati, Eti
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 20 No. 3 (2024): Agustus
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v20i3.1796

This research explores the diverse perspectives of TED Talks speakers on Fintech and its role in the future of finance. This study utilizes opinion mining and InfraNodus to identify trends, similarities, differences, and viewpoints that emerged in TED Talks talk's discussions about Fintech on YouTube. The methodology involves analyzing opinions expressed by TED Talks speakers on YouTube channels using opinion mining techniques and InfraNodus tools to structure and deepen understanding of the speaker’s point of view. By examining these perspectives, this study aims to enrich the understanding of how Fintech permeates culture and influences financial perspectives. The study results classified opinions into four main categories: Fintech Access, Banking Simplify, Trust Business, and AI Transaction, which helped identify critical themes in TED Talks discussions on Fintech. These findings reflect the importance of increased access to financial services, banking innovation, and positive changes in financing. The study's implications include insights for policymakers, regulators, and industry stakeholders to develop frameworks that support financial technology development while ensuring consumer protection and security.

The effect of service quality, brand image, and ease of use on bca mobile banking customer loyalty with customer satisfaction as a mediating variable Fadillah, Aghnia Nurul; Susilawati, Wati; Kusmiati, Eti
Jurnal Mantik Vol. 9 No. 3 (2025): November: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v9i3.6795

Thel purpose ofl this lstudy is lto examine the effect lof service quality, lbrand image, land ease of use onl customerl loyalty, lwith customer lsatisfaction las the variable lmediating thisl relationship. Quantitative methods were used for this study. The population of this study comprised all users of BCA Mobile Banking. In this study, the sample consisted of 200 respondents who were at least 17 years old, active users of BCA Mobile Banking, and either male or female. This data was analyzed using SmartPLS 3.0 software and was based on structurall equation lmodeling with partiall least squaresl (SEM-lPLS). Thel results lof this lstudy indicatel that Servicel Quality doesl not laffect Customerl lLoyalty. Meanwhile, the variables of Brand Image and Ease of Use affect Customer Loyalty, mediated by the variable of Customer Satisfaction. This occurs because customers consider Service Quality to be standard in Mobile Banking services. Therefore, thel variables lof Brand lImage andl Ease of Use play an important role in efforts to increase Customer Loyalty. The results of this study will also be used to identify variables that increase customer loyalty

Analisis Pemilihan Bank Syariah Dengan Pendekatan Analytical Hierarchy Process Wildan, Wildan; Hamdani, Nizar Alam; Kusmiati, Eti
Journal of Knowledge Management Vol 13 No 2 (2019): JOURNAL OF KNOWLEDGE MANAGEMENT
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jkm.v13i2.1637

Penelitian ini bertujuan untuk mengetahui bagaimana cara memilih bank syariah dengan mempertimbangkan faktor atau kriteria berdasarkan analisisÂ untuk memecahkan masalah yang multi objektif dan multi kriteria yang berdasar pada perbandingan preferensi dari setiap elemen dalam hierarki. Populasi penelitian ini adalah nasabah Bank Muamalat dan Bank Syariah Mandiri di Garut. Dalam penelitian ini jumlah sampel yang ditentukan dengan metode simple random sampling dan sampling insidental dan diperoleh 40 nasabah yang digunakan sebagai sampel. Analisis yang digunakan dalam penelitian ini adalah Analisis Deskriptif dan Analytical Hierarchy Process (AHP). Berdasarkan hasil penelitian disusun 3 tingkat kriteria, tingkat pertama merupakan tujuan dari permasalahan yaitu pemilihan bank. Tingkat kedua merupakan faktor yang dijadikan pertimbangan dalam pemilihan bank, yang terdiri dari 5 faktor, yaitu keagamaan, media massa, keluarga, lokasi dan kualitas layanan.Tingkat ketiga adalah alternatif-alternatif bank. Pada penelitian ini yang menjadi alternatif bank yaitu Bank Syariah Mandiri dan Bank Muamalat. Dengan Metode AHP didapat urutan alternatif bank syariah yang sesuai dengan prioritas kebutuhan nasabah, yaitu Muamalat sebagai preferensi tertinggi sebesar 54,8 persen dan BSM sebesar 45,2 persen.

Determinant Factors of Customer Satisfaction from the SERVQUAL Perspective Ziliwu, Randy Samadaya; Kusmiati, Eti; Wufron
Ilomata International Journal of Management Vol. 7 No. 1 (2026): January 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i1.1879

Customer satisfaction serves as a vital benchmark for measuring a company’s performance, especially within service-based industries. Companies often encounter issues such as inconsistent service delivery and disparities between pricing and perceived value. This research has goal to measure how service quality and pricing impact client satisfaction, both individually and collectively. Utilizing a descriptive quantitative approach and a survey-based methodology, data was gathered through a census of 40 active clients of PT. ABI. The questionnaire, constructed on SERVQUAL dimensions, Zeithaml’s price perception model, and Oliver’s satisfaction theory, employed a Likert scale for measurement. Analytical techniques included validity and reliability assessments, classical assumption testing, multiple linear regression, and significance testing via SPSS software. The Research proven that service quality and pricing have significantly influence customer complacency, both partially and in tandem. The Measurement of R² value 0.704 means that these two variables explain 70.4% of the variance in satisfaction levels. The study concludes that enhancing service standards and aligning pricing with customer-perceived value can significantly improve loyalty, trust, and overall satisfaction.

Determinant Factors of Customer Satisfaction from the SERVQUAL Perspective Ziliwu, Randy Samadaya; Kusmiati, Eti; Wufron
Ilomata International Journal of Management Vol. 7 No. 1 (2026): January 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i1.1879

Customer satisfaction serves as a vital benchmark for measuring a company’s performance, especially within service-based industries. Companies often encounter issues such as inconsistent service delivery and disparities between pricing and perceived value. This research has goal to measure how service quality and pricing impact client satisfaction, both individually and collectively. Utilizing a descriptive quantitative approach and a survey-based methodology, data was gathered through a census of 40 active clients of PT. ABI. The questionnaire, constructed on SERVQUAL dimensions, Zeithaml’s price perception model, and Oliver’s satisfaction theory, employed a Likert scale for measurement. Analytical techniques included validity and reliability assessments, classical assumption testing, multiple linear regression, and significance testing via SPSS software. The Research proven that service quality and pricing have significantly influence customer complacency, both partially and in tandem. The Measurement of R² value 0.704 means that these two variables explain 70.4% of the variance in satisfaction levels. The study concludes that enhancing service standards and aligning pricing with customer-perceived value can significantly improve loyalty, trust, and overall satisfaction.

Title

Found 19 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 19 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 19 Documents
Search