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Analisis Perilaku Konsumtif Pengguna Cashless Payment: Peran Lifestyle dan Impulsive Buying di Era Ekonomi Digital Annisa Mutiasari; Anggit Dyah Kusumastuti; Destina Paningrum; Rusnandari Retno Cahyani
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. 4 (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i4.1332

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh gaya hidup dan pembelian impulsif terhadap perilaku konsumtif masyarakat pengguna sistem pembayaran cashless di era ekonomi digital. Meningkatnya penggunaan QRIS, e-wallet, dan mobile banking menunjukkan perubahan pola konsumsi masyarakat menuju gaya hidup yang lebih praktis dan serba digital. Penelitian ini menggunakan pendekatan kuantitatif dengan instrumen kuesioner. Sampel penelitian berjumlah 150 responden pengguna sistem pembayaran cashless di wilayah Solo Raya yang dipilih menggunakan teknik purposive sampling. Hasil penelitian menunjukkan bahwa secara parsial pembelian impulsif berpengaruh positif dan signifikan terhadap perilaku konsumtif, sedangkan gaya hidup tidak berpengaruh signifikan terhadap perilaku konsumtif. Secara simultan, gaya hidup dan pembelian impulsif berpengaruh signifikan terhadap perilaku konsumtif masyarakat pengguna sistem pembayaran cashless. Nilai koefisien determinasi (R²) sebesar 0,369 menunjukkan bahwa 36,9% variasi perilaku konsumtif dapat dijelaskan oleh gaya hidup dan pembelian impulsif, sedangkan 63,1% sisanya dipengaruhi oleh faktor lain di luar model penelitian. Temuan ini mengindikasikan bahwa perilaku pembelian impulsif merupakan faktor utama yang mendorong perilaku konsumtif pada pengguna pembayaran digital.
Integrating Sustainable Business Through The Implementation of Environment, Social, and Governance (ESG) in Accelerating the Realization of a Green Economy Anggit Dyah Kusumastuti; Destina Paningrum; Locita Dara Rasendriya
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1929

Abstract

Background: In facing increasingly complex global challenges, the integration of Environment, Social, and Governance (ESG) and sustainable business plays an important role as a strategic approach not only to generate profits but also as a force to create sustainable positive impact. This research aims to determine the influence of ESG disclosure on the Green Economy with Sustainable Business as a moderating variable. Method: This study employs a descriptive research design with a quantitative approach. Operational measurement of variables is carried out through data on environmental, economic, and social aspects. Secondary data is sourced from BPS (Central Bureau of Statistics) data and the Annual Report of the Ministry of Environment and Forestry (KLHK). Data analysis utilizes Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) using SmartPLS 4.0 software. Results: The results show that the disclosure of environmental and social aspects has a positive and significant impact on the realization of a green economy. Meanwhile, the disclosure of governance does not have a positive and significant impact on the green economy. Additionally, Sustainable Business strengthens the influence of Environment, Social, and Governance on the green economy. The R Square value indicates that the dependent variable (Green Economy) is 0.605, meaning that approximately 60.5% of the variability can be explained by the independent variables. Conclusion: The disclosure of environment and social aspects has a positive and significant effect on the realization of the green economy, while the disclosure of governance does not have a significant effect. Positive information about ESG practices sends good signals to investors about long-term prospects and commitment to sustainability.
ANALYSIS OF HUMAN CAPITAL FACTORS ON EMPLOYEE WORK PRODUCTIVITY AT PT XYZ Yunita Primasanti; Evelyne Henny Lukitasari; Destina Paningrum
Jurnal Disprotek Vol. 17 N0. 2 (2026)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jdpt.v172.9809

Abstract

Employee productivity is a strategic factor in enhancing an organization's operational efficiency and competitiveness. However, human resource management in many companies remains suboptimal, particularly regarding the development of human capital quality that supports productivity. This study aims to analyze the impact of education, work experience, and job training as dimensions of human capital on the productivity of PT XYZ employees. Unlike previous studies that tended to examine human capital aspects in isolation or within specific organizational contexts, this research integrates these three dimensions into a single model to provide a more comprehensive understanding of the factors driving productivity within the study's scope. The selection of these three dimensions is grounded in Human Capital Theory, which views education as the foundation of knowledge, work experience as the accumulation of practical competence, and training as a mechanism for continuous competence development. A quantitative approach was employed, utilizing a survey of 150 respondents selected through purposive sampling. Data were collected via Likert-scale questionnaires and analyzed using multiple linear regression in SPSS. The results indicate that education (β = 0.241; p < 0.05), work experience (β = 0.356; p < 0.05), and job training (β = 0.418; p < 0.05) all have a positive and significant effect on work productivity. Collectively, the three variables exert a significant influence, with an Adjusted R-squared value of 0.682. Job training emerged as the factor making the largest contribution. These findings underscore the importance of integrated human capital development strategies in boosting organizational productivity and competitiveness.