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Pengaruh Financial Attitude dan Self Control Terhadap Financial Management Behavior dalam Penggunaan Layanan Pay Later: Studi Pengguna Kredivo di Kota Surabaya Puspa Dwi Liestiyanti; Sonja Andarini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.2075

Abstract

Kredivo is one of the pay later service applications in Indonesia and one of the reasons people use pay later is because of its easy terms, but this will result in waste and debt accumulation which will affect credit reputation due to not being able to manage finances (financial management behavior). The purpose of this study is to anticipate the attitude of waste and accumulation of individual debt by analyzing the attitude of individuals in managing and deciding their finances (financial attitude) and also seen from the ability of individuals to control themselves against spending (self control). This type of research uses associative and quantitative approaches. The sample used amounted to 160 respondents obtained through filling out a questionnaire using Google form with non probability sampling technique and purposive sampling method. The study used a data processing tool technique, namely IBM SPSS Statistics 26 with tests consisting of a Validity Test, Reliability Test, Classical Assumption Test (Normality Test, Multicollinearity Test, Heteroscedasticity Test), Multiple Linear Regression Test, and Hypothesis Test (F Test and t Test). The results showed that the financial attitude and self-control variables had a simultaneous (joint) effect on financial management behavior. Then the financial attitude variable and the self control variable partially (independently) affect financial management behavior.
Pengaruh Konflik Boikot terhadap Penjualan Carnation Evaporasi di Q4 2023 pada Bidang HORECA di Batam Chelsey Monica Teo; Sonja Andarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.1781

Abstract

The purpose of this study is to analyse the effect of boycott conflict on evaporated carnation sales using sales data patterns, identify the relationship between boycott activities and evaporated carnation sales at PT Nestle Indonesia and cause an increase in sales during this boycott period. The research method used is descriptive quantitative analysis through purpose sampling technique. The results showed that the data pattern of evaporated carnation sales during the 4th quarter of 2023 for the horeca sector has a seasonal pattern that depends on major holidays in Indonesia.
Penerapan Model Bisnis Canvas dalam Mengembangkan Bisnis UMKM Madu Yasa 22 Kota Madiun Firdiana Nur Auliya; Sonja Andarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.2221

Abstract

Honey is a sweet liquid produced by honey bees from the nectar of flowers. Honey is a herbal product that has been used for centuries for health and culinary benefits. It has been believed by Indonesian people since ancient times for its usefulness because it is made of natural ingredients and has no side effects. One of these herbal companies is UMKM Madu Yasa 22 Madiun. Honey is also considered a good sugar substitute that can be consumed for your culinary needs. The emergence of similar industries has created tight competition which has resulted in sharp turnover fluctuations. Therefore, UMKM Hadu Yasa 22 needs a new strategy to formulate the right business model as well as develop and address these challenges. This research aims to analyze the UMKM Honey Yasa 22 model using a business model canvas approach and evaluate it based on SWOT analysis to produce recommendations for improvement of the business model block element. The research uses a qualitative descriptive approach using Business Model Canvas (BMC) data analysis techniques and SWOT analysis that includes the use of IFAS and EFAS. Data collection methods are interviews with selected informants and document research. The research informants consisted of the owners, employees, and customers of UMKM Madu Yasa 22 randomly selected, a total of 11 people who have made repeated purchases. The findings indicate that SWOT analysis diagrams lead to diversification strategies (product/market) that serve as input for business improvement of canvas models. From its implementation, it recommended improvements to nine elements of Canvas Business Model, as well as strategies that enable the development of UMKM Madhu Yasa 22 business.
The Effect of Flash Sale And Free Shipping on Impulsive Buying through Positive Emotions as Intervening Variables (Case Study of Shopee Application Users in Surabaya Area) Savira Maslihatul Mamlu'ah; Sonja Andarini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6090

Abstract

This research aims to determine and analyze the effect of flash sales and free shipping on impulsive purchases through positive emotions as an intervening variable among Shopee application users in the Surabaya area. This research uses quantitative research, with the research method used being a questionnaire distributed online using non-probability sampling. The results of this research on the first hypothesis (flash sales on positive emotional variables) and the sixth hypothesis (flash sales on impulsive purchases through positive emotions) have no effect, while the results from the second to seventh hypotheses have an effect. Flash sales and free shipping can be more effective tools in enhancing the shopping experience, ultimately contributing to consumers' impulsive purchasing behavior. This research also shows that marketing strategies that rely solely on flash sales should be considered carefully, because although effective in triggering impulse purchases, they do not always create a strong emotional impact on consumers.
Pengaruh Social Support Rekan Kerja dan Interpersonal Communication terhadap Job Satisfaction Karyawan Dot Max Coffee and Eatery di Kota Madiun Vania Eka Puspita; Sonja Andarini
Jurnal Riset Akuntansi Vol. 4 No. 2 (2026): May: Jurnal Riset Akuntansi
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jura-itb.v4i2.3831

Abstract

This study aims to analyze the influence of coworker social support and interpersonal communication on job satisfaction among employees at Dot Max Coffee and Eatery in Madiun City. This study employs a quantitative method, using a questionnaire distributed to employees as respondents for data collection. The data obtained were then analyzed using multiple linear regression analysis with the assistance of SPSS software. The results indicate that coworker social support and interpersonal communication fall into the “good” category based on respondents’ perceptions. Partially, coworker social support has a positive and significant effect on employee job satisfaction. Similarly, interpersonal communication also has a positive and significant effect on job satisfaction. Simultaneously, both variables were found to have a positive and significant effect on the job satisfaction of employees at Dot Max Coffee and Eatery in Madiun City. Furthermore, the results indicate that the model used has excellent explanatory power regarding variations in employee job satisfaction. This suggests that coworker support and interpersonal communication are key factors that can enhance job satisfaction. The stronger the social relationships and communication within the workplace, the higher the level of employee job satisfaction.