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All Journal PROSIDING SEMINAR NASIONAL SEGMEN Jurnal Manajemen dan Bisnis Jurnal Manajemen dan Bisnis (Performa) EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis UNEJ e-Proceeding Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Daya Saing : Jurnal Ilmu Manajemen Jurnal Sinar Manajemen Journal of Economic, Bussines and Accounting (COSTING) JURNAL PENDIDIKAN TAMBUSAI Inovator : Jurnal Manajemen JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Proaksi Majalah Ilmiah Warta Dharmawangsa JIAI (Jurnal Ilmiah Akuntansi Indonesia) Jurnal Pengabdian Masyarakat IPTEKS Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Jurnal Ilmiah Manajemen Kesatuan BASKARA: Journal of Business and Entrepreneurship BUDGETING : Journal of Business, Management and Accounting Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Muhammadiyah Manajemen Bisnis (JMMB) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Manajemen DIVERSIFIKASI JIWAKERTA: Jurnal Ilmiah Wawasan Kuliah Kerja Nyata Improvement: Jurnal Manajemen dan Bisnis Jurnal Ekonomi dan Bisnis GROWTH (JEBG) Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Manajemen Agribisnis dan Agroindustri Jurnal Manajemen Borobudur Management Review Master: Jurnal Manajemen dan Bisnis Terapan Jurnal Comparative : Ekonomi Dan Bisnis International Journal of Multidisciplinary Sciences and Arts Jurnal Mahasiswa Entrepreneur National Multidisciplinary Sciences Manajemen : Jurnal Ekonomi Jurnal Manajemen Dayasaing IPSSJ Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi Ulil Albab Jurnal Pengabdian Masyarakat Manage Proceeding of International Conference on Social Science and Humanity Jurnal Simki Economic Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Marketing and Technology Management (JMTM)
Retno Endah Supeni
Universitas Muhammadiyah Jember
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Public Health Social Sciences Other

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The Influence of Gender, Financial Literacy, Financial Attitude, and Income on Investment Decisions of Students in Jember District Regita Wira Utami Karsiyanto; Retno Endah Supeni; Maheni Ika Sari
Jurnal Sinar Manajemen Vol. 12 No. 2: July 2025
Publisher : Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jsm.v12i2.7543

Abstract

Most Indonesian people assume that investment can only be done by people with high incomes so they do not realize how important it is to have good financial management. However, there are still individuals who have high incomes but do not have investment planning for their personal finances. This study aims to determine and analyze the Influence of Gender, Financial Literacy, Financial Attitudes, and Income on Investment Decisions in Students in Jember Regency. This type of research uses a quantitative method with a sample size of 145 respondents and uses a Non-probability sampling technique with a Purposive sampling technique, using a data collection technique in the form of a questionnaire to respondents. The data analysis technique for this study uses instrument testing, classical assumptions, multiple linear regression, hypothesis testing and the coefficient of determination R2. The results of the analysis obtained show that Gender, Financial Literacy, Financial Attitudes, and Income have a positive and significant effect on Investment Decisions in Students in Jember Regency, the results of the R2 determination coefficient test are the level of contribution of influence of 63% and 37% variables outside the study.
The Influence Of Product Diversification, Service Quality, Price, Lifestyle, And Product Knowledge On Consumer Purchase Decisions : Financial Perspectives From The Electronics Retail Sector Bayu Wijayantini; Tegar Laksamana Wahyudi; Retno Endah Supeni
Journal Of Marketing and Technology Management Vol. 1 No. 1 (2025): June
Publisher : MINOVa Ditria Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66016/jmtm.v1i1.1

Abstract

In an era of intense business competition, understanding the determinants of consumer purchase decisions is crucial, particularly in the electronics retail sector. This study investigates the impact of product diversification, service quality, price, lifestyle, and product knowledge on consumer purchase decisions from a financial perspective. Focusing on TG Electronics Store in Ambulu, Jember Regency, this research employs a quantitative survey approach, gathering responses from 190 consumers. The collected data were analyzed using multiple linear regression to examine the relationships between independent variables and purchasing decisions. The findings reveal that product diversification positively and significantly influences consumer purchase decisions, highlighting the importance of offering a wide range of products to meet diverse consumer needs. Price also demonstrates a significant impact, reinforcing the role of competitive pricing strategies in shaping consumer behavior. Likewise, lifestyle and product knowledge are found to significantly affect purchasing decisions, suggesting that consumer preferences and awareness of electronic products play a vital role in the decision-making process. However, service quality does not exhibit a significant effect, indicating that other factors may take precedence in consumer considerations when purchasing electronics. These insights offer valuable implications for TG Electronics Store and similar retailers, emphasizing the need for strategic product diversification, competitive pricing, and enhanced consumer education to drive sales. This study contributes to the literature on consumer purchasing behavior by integrating financial perspectives into the analysis, providing a contemporary understanding of market dynamics in the electronics retail sector.
Pengaruh Literasi Keuangan Digital, Persepsi Kemudahan, dan Promosi Terhadap Keputusan Penggunaan E-Wallet Shopeepay Pada Mahasiswa Generasi Z di Kota Jember Revanda Lavelia Pasa; Retno Endah Supeni; Achmad Hasan Hafidzi
MAMEN: Jurnal Manajemen Vol. 5 No. 2 (2026): April 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v5i2.8077

Abstract

This research examines how digital financial literacy, perceived ease of use, and promotional activities impact the decision-making of Generation Z students in Jember regarding the use of Shopeepay for cashless transactions. A quantitative approach was applied, gathering data through questionnaires from 170 respondents selected via purposive sampling. The primary data were processed using multiple linear regression analysis with SPSS version 25.The hypothesis testing results confirm that digital financial literacy (t-count = 3.870), perceived ease of use (t-count = 2.828), and promotion (t-count = 4.272) have a positive and significant effect on Shopeepay usage decisions, with promotion identified as the most influential factor. These findings suggest that while internal factors like digital financial knowledge and system convenience are important, external incentives such as promotions remain the main driver for e-wallet adoption. The novelty of this study is its focus on actual usage behavior rather than just intention, as well as the integration of literacy, ease of use, and promotion into a single research model specifically tailored to the Generation Z demographic in Jember
Pengaruh Literasi Keuangan,  Financial Technology  dan Self Control  Terhadap Perilaku Keunagan Mahasiswa Perguruan Tinggi di Kabupaten Bondowoso Holiseh Holiseh; Retno Endah Supeni; Maheni Ika Sari
Manajemen: Jurnal Ekonomi Vol. 7 No. 2 (2025): Manajemen : Jurnal Ekonomi (Special Issue)
Publisher : Fakultas Ekonomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/64agg257

Abstract

Studi ini bertujuan menganalisis dampak literasi keuangan, penggunaan teknologi finansial (fintech), serta kemampuan mengontrol diri terhadap pengelolaan keuangan mahasiswa di wilayah Kabupaten Bondowoso. Penelitian berfokus pada identifikasi faktor-faktor yang memengaruhi kebiasaan finansial individu. Metode yang digunakan adalah pendekatan kuantitatif dengan jumlah populasi 10.145 mahasiswa dan sampel sebanyak 100 responden yang dipilih melalui teknik purposive sampling dan stratified random sampling. Pengumpulan data dilakukan dengan menyebarkan kuesioner, kemudian dianalisis menggunakan metode regresi linear berganda melalui SPPS 26. Hasil analisis menunjukkan bahwa literasi keuangan, fintech, dan pengendalian diri memiliki pengaruh positif dan signifikan terhadap pola perilaku keuangan mahasiswa di Kabupaten Bondowoso
The Influence of E-Marketing and Product Quality on Purchase Decisions with Brand Awareness as an Intervening Variable in Wardah Skincare Products in Jember Yayah Ikhda Nevia; Retno Endah Supeni; Riyanto Setyawan Suharsono
International Journal of Multidisciplinary Sciences and Arts Vol. 4 No. 4 (2025): International Journal of Multidisciplinary Sciences and Arts, Article October 2
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/ijmdsa.v4i4.7055

Abstract

Promotions have a great effect on business efforts to increase sales and market a product. In promoting products, quality is also an important factor to produce products that can attract consumer interest. This study aims to determine the influence of promotion and product quality on Wardah skincare purchase decisions in Jember, with brand awareness as an intervening variable. The research method used a quantitative approach by distributing questionnaires to 100 respondents who were followers of the Wardah TikTok account. Data analysis used SPSS version 26 through validity, reliability, multiple linear regression, t-test, f-test, and determination coefficient. The results of the study show that promotion and product quality have a significant effect both partially and simultaneously on purchase decisions. Brand awareness has also been shown to mediate the relationship between promotion, product quality, and purchase decisions. This study aims to analyze the influence of E-Marketing and Product Quality on Purchase Decisions with Brand Awareness as an intervening variable. In the digital era, E-Marketing plays an essential role in shaping consumer behavior, while product quality remains a key factor that determines customer satisfaction and loyalty. This research seeks to examine how these two variables affect consumers’ purchase decisions, both directly and indirectly through the level of brand awareness. The study uses a quantitative research approach. Data were collected through online questionnaires distributed to 100 respondents who had made online purchases within the past six months. The collected data were analyzed using multiple linear regression and path analysis with the help of SPSS software. The results indicate that E-Marketing and Product Quality each have a positive and significant influence on Brand Awareness. Additionally, Brand Awareness has a positive and significant effect on Purchase Decisions. The findings also show that Brand Awareness partially mediates the relationship between E-Marketing, Product Quality, and Purchase Decisions. These results suggest that improving digital marketing strategies and maintaining high product quality can effectively increase brand awareness, which in turn enhances consumer purchase decisions. Therefore, companies should focus on integrating E-Marketing efforts with consistent product quality to strengthen their brand position in a competitive digital marketplace.
Analisis Literasi Keuangan, Layanan Fintech dan Gaya Hidup Terhadap Perilaku Keuangan Generasi Z Mahasiswa di Kota Jember Joko Satrio Ade Pranata; Retno Endah Supeni; Bayu Wijayantini
Master: Jurnal Manajemen dan Bisnis Terapan Vol. 5 No. 2 (2025): Desember
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jmbt.v5i1.26790

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, penggunaan layanan teknologi finansial (fintech), dan gaya hidup terhadap perilaku keuangan mahasiswa Generasi Z di Kota Jember. Menggunakan pendekatan kuantitatif melalui metode survei, data diperoleh dari mahasiswa yang berasal dari berbagai perguruan tinggi di wilayah tersebut. Analisis data dilakukan dengan menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa literasi keuangan dan gaya hidup memiliki pengaruh yang positif dan signifikan terhadap perilaku keuangan mahasiswa. Sementara itu, pemanfaatan layanan fintech tidak menunjukkan pengaruh yang berarti terhadap perilaku keuangan responden. Temuan ini menegaskan bahwa pemahaman keuangan yang baik serta pola hidup yang terkendali memiliki peran penting dalam membentuk perilaku finansial yang sehat dan berkelanjutan, terutama di tengah maraknya perkembangan teknologi digital. Penelitian ini juga menyoroti pentingnya edukasi keuangan yang terintegrasi dengan gaya hidup digital mahasiswa. Selain itu, hasil penelitian ini dapat menjadi acuan bagi institusi pendidikan dan penyedia layanan keuangan dalam merancang program literasi keuangan yang lebih efektif.
PENGARUH BUDAYA ORGANISASI, BEBAN KERJA DAN KOMPENSASI TERHADAP KINERJA PEGAWAI DENGAN KEPUASAN KERJA SEBAGAI VARIABLE INTERVENING STUDI PADA MADRASAH ALIYAH NEGERI DIKABUPATEN BANYUWANGI Wahyu Agung Saputra; Arik Susbiyani; Retno Endah Supeni
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/mtnekt12

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh budaya organisasi, beban kerja, dan kompensasi terhadap kinerja pegawai dengan kepuasan kerja sebagai variabel intervening pada pegawai kementrian agama pada bidang lembaga Pendidikan madrasah Aliyah negeri di Kabupaten Banyuwangi. Permasalahan yang melatarbelakangi penelitian ini adalah pentingnya peningkatan kinerja pegawai yang sering kali dipengaruhi oleh faktor internal organisasi. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 259 responden yang ditentukan melalui purposive sampling dari total populasi 321 pegawai. Analisis data dilakukan menggunakan metode Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa kompensasi berpengaruh positif dan signifikan terhadap kinerja pegawai dan kepuasan kerja, sementara budaya organisasi tidak berpengaruh signifikan. Beban kerja ditemukan memiliki pengaruh negatif terhadap kinerja pegawai. Selain itu, kepuasan kerja terbukti berperan sebagai variabel intervening yang memperkuat hubungan antara variabel independen dengan kinerja pegawai. Temuan ini menegaskan pentingnya organisasi untuk memperhatikan aspek kompensasi yang adil serta manajemen beban kerja guna meningkatkan kepuasan dan kinerja pegawai.
Co-Authors AA Sudharmawan, AA Achmad Hasan Hafidzi Adyasa, Jery Candra Aghata, Violina Agus Yuliantin Ahmad Fambang Hermawan Ahmad Hanafi Ahmad Hasan Hafidzi Ajeng Juni Mudi Tantia Akhmad F. Rozi Akmalia, Atika Firmanda Alfany Andrenata Alizah, Aprilia Ulva Noer Amaliya, Yeni Amelia, Rita Andaru Setiawan Avicenna Andrea Meita Gustina Ariyanto, Kiki Dwi Aspirandi, Rendy Mirwan Bayu Wijayantini Bayu Wijayantini, Bayu Catur Palupi Dendi Wijaya Diwan Sakharia Efiatul Himmah Eko Budi Satoto Elfiah, Kutsiatun Enggarwati, Rumi Fajar, Evi Triana Nurul Fiki Kurdianto Putra Hafidzi, Ahmad Hasan Hellena Ramadhani Herlambang, Toni Himmah, Efiatul Holiseh Holiseh Holiseh, Holiseh Ika Sari, Maheni Ira Puspitadewi S Izzuddien, Ahmad Izzudin, Ahmad Jekti Rahayu Joko Satrio Ade Pranata Kiki Dwi Ariyanto Laksono Trisnantoro M. Hamzah Bin Ali Ma'rifah, Nurul Maheni Ika Sari Maheni Ika Sari Maheni Ika Sari Martini, Ni Nyoman Putu Mochamad Tri Aditya Muhammad Efendi Munawaroh, Mayda Madinatul Nadia Sukma Hadi Nawafil, Aulia Nurin Nia Sinta Nuriah Ningtias, Kiki Arista Wahyu Nur Ira, Nia Dewi Oktavia, Fanda Andini Pramudia Bagas Ananda Fahrezy Pratama, Rizky Anggi Purbo, Achmad Jati Puspitadewi, Ira Putri, Okta Ananda Rayna Rika Ruspita Regita Wira Utami Karsiyanto Reskiputri, Tatid Diansari Revanda Lavelia Pasa Riyanto Setyawan Suharsono Rizki, Miftahur Rozzaid, Yusron Rozzaid, Yusron Rumi Enggarwati Rusdiyanto Rusdiyanto Rusdiyanto, Rusdiyanto Ruspita, Rayna Rika Sabela, Deva Verina Safira, Serli Vebriana Samsuryaningrum, Ira Puspitadewi Sari , Maheni Ika Setianingsih, Wahyu Eko Sofiyatun Sofiyatun Solehah, Nur Ilmiatus Sri Isna Amelia Ahmad Suharto, Akhmad Susbiyani , Arik Susbiyani, Arik Susi Wahyuning Asih Syahier Syahier Syahier Syahier Syahier, Syahier Syahier, Syahier Tegar Laksamana Wahyudi Thamrin, Mohammad Toni Herlambang Toni Herlambang Violina Aghata Wahyu Agung Saputra Wahyu Eko Setianingsih Wati Cantika Putri, Ayuni Alda Wenny Murtalining Tyas Wibowo, Yohannes Gunawan Widhana, Ghalih Satriya Winahyu, Pawestri Wulandari, Vina Yuliantika Yayah Ikhda Nevia Yoga Fajar Saputra Yusron Rozaid Yusron Rozzaid Yusron Rozzaid