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All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Jurnal Manajemen Bisnis JDM (Jurnal Dinamika Manajemen) Majalah Neraca Journal of Accounting and Investment JURNAL EKONOMI DAN BISNIS AIRLANGGA EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Akuisisi : Jurnal Akuntansi AKUNTANSI DEWANTARA JURNAL MANAJEMEN MOTIVASI Agregat: Jurnal Ekonomi dan Bisnis SENTRALISASI J-MAS (Jurnal Manajemen dan Sains) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan EQIEN - JURNAL EKONOMI DAN BISNIS Competitive Jurnal Akuntansi dan Keuangan Business Management Analysis Journal (BMAJ) BALANCE: Economic, Business, Management and Accounting Journal Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) International Journal of Economics, Business and Accounting Research (IJEBAR) Budimas : Jurnal Pengabdian Masyarakat Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Airlangga Journal of Innovation Management Journal of Economics and Business UBS JURNAL ILMIAH GLOBAL EDUCATION International Journal of Management Science and Information Technology (IJMSIT) ADPEBI International Journal of Business and Social Science Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Indonesian Journal of Business Analytics (IJBA) Formosa Journal of Multidisciplinary Research (FJMR) Journal of Finance and Business Digital (JFBD) Journal of Accounting and Finance Management (JAFM) Asian Journal of Management Analytics Prosiding University Research Colloquium Jurnal Akuntansi Trisakti Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Business and Applied Economics (IJBAE) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Islamic Economics Methodology Journal of Economic and Social Empowerment IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Riset Akuntansi dan Keuangan Indonesia International Journal of Economics, Business and Innovation Research JURNAL MANAJEMEN DAN BISNIS INDONESIA JESH: Journal of Economics, Social, and Humanities
Naelati Tubastuvi
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Social Sciences Other

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Peran Keputusan Pembelian dalam Pengaruh Celebrity Endorsment dan Brand Image terhadap Kepuasan Konsumen Ayu Aradhea, Nissa; Justiana Astuti, Herni; Tubastuvi, Naelati; Hidayah, Arini
Journal of Economics and Business UBS Vol. 14 No. 3 (2025): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Keputusan pembelian produk skintific dikalangan milenial dan Gen Z sangat pesat terlebih dengan adanya platform tiktok menjadikan pemasaran produk lebih efektif  dan tepat sasaran pada perkembangan teknologi saat ini. Tujuan Penelitian ini menganalisis pengaruh celebrity endorsement, brand image, dan keputusan pembelian terhadap kepuasan konsumen Skintific. Penelitian kuantitatif dengan metode survei pada 100 mahasiswa dari tiga universitas terbesar di Purwokerto. Studi menggunakkan analisis PLS. Hasilnya, Celebrtty Endorsment dan Brand Image berpengaruh positif dan signifikan terhadap keputusan pembelian, Celebrity Endorsment tidak berpengaruh terhadap kepuasan konsumen sedangkan Brand Image berpengaruh positif dan signifikan terhadap kepuasan konsumen. Namun keputusan pembelian berdampak positif dan signifikan pada kepuasan konsumen. Dan keputusan pembelian dapat memediasi celebrity endorsment pada kepuasan konsumen dan memediasi brand image pada kepuasan konsumen. Strategi pemasaran yang hanya berfokus pada celebrity endorsement tanpa didukung oleh kualitas produk dan brand image yang kuat mungkin hanya efektif untuk mendorong pembelian awal, tetapi kurang mampu menciptakan kepuasan dan loyalitas jangka panjang. Penting bagi pemasar untuk memahami bahwa celebrity endorsement berperan sebagai pendorong keputusan pembelian, yang kemudian harus diikuti oleh pengalaman positif dari produk untuk mencapai kepuasan konsumen.
Organizational Commitment as A Mediating Variable in the Correlation of Organizational Culture and Perceived Organizational Support With Organizational Citizenship Behavior Gemintang, Raihan Akbar Cahya; Tubastuvi, Naelati; Suyoto , Suyoto; Widhiandono , Hengky
SENTRALISASI Vol. 15 No. 1 (2026): January
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i1.4802

Abstract

This study aimed to examine the effect of organizational culture and perceived organizational support on the Organizational Citizenship Behavior of educators (OCB) and staff at Muhammadiyah Islamic Boarding Schools in Banyumas Regency with organizational commitment as a mediator. This quantitative study collected primary data from questionnaires distributed via Google Form. The population of this study was 335 staff using a purposive sampling technique with a minimum work period of 1 year. The analytical tool utilized in this study is SEM-PLS 3. The R2 for Organizational Commitment is 0.851, and for OCB, it is 0.792. The findings revealed that organizational culture, perceived organizational support, and organizational commitment contributed a positive effect on Organizational Citizenship Behavior (OCB) with a path coefficient of 0.493, and the hypothesis was accepted, and organizational commitment could mediate the effect of organizational culture and perceived organizational support on Organizational Citizenship Behavior. Meanwhile, Organizational Culture did not demonstrate direct effect on Behavioral Citizenship Behavior. 
Factors Affecting Personal Financial Management Salsabilla, Syaefa Intan; Tubastuvi, Naelati; Purnadi, Purnadi; Innayah, Maulida Nurul
Jurnal Manajemen Bisnis Vol. 13 No. 1: March 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v13i1.13489

Abstract

Research aims: This study aims to analyze the effect of financial education in the family, financial literacy, peers, and a hedonism lifestyle on personal financial management. Design/Methodology/Approach: Based on Roscoe's calculations, 100 respondents were sampled. The results of the analysis show that financial education in the family do not affect students personal financial management. The population in this study were undergraduate students of the Faculty of Economics and Business, University of Muhammadiyah Purwokerto, Jenderal Soedirman University, and State Islamic University of Saifuddin Zuhri class of 2018-2020. The sample selection in this study used a purposive sampling technique. Research findings: The results of the analysis show that financial education in the family do not affect students personal financial management. Meanwhile, financial literacy, peers, and hedonism lifestyle have a positive effect on students personal financial management. Theoritical contribution/Originality: This study uses the theory of planned behavior, which in this theory states that there are three factors that influence this theory, namely 1) attitude towards behavior, 2) subjective norm, and 3) perceived behavioral control. This study gives contribution to manage personal management.Practitioner/Policy implication: Practically, this research implies the importance of managing personal finances so as to avoid consumptive behavior. Research limitation/Implication: Limitations in this study are the results of R2 of 46%, which means that the variables studied are good enough to influence the personal financial management of students and also this research is only in 1 faculty with a sample of 100.
Effect of Information Technology on Organizational Performance at Yemeni Oil Exploration–Production Company Baligh Al Haj; Naelati Tubastuvi; Dheya Alhag Alsharabi
Journal of Economics, Social, and Humanities Vol. 3 No. 2 (2025): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v3i2.328

Abstract

This research paper examines the influence of six essential information technology factors; human resource capabilities, devices and equipment, communication networks, software applications, databases, and information security on organization performance in the Yemeni Oil Exploration and Production company, a situation that is characterized by political instability and limited resources. By using the constructs of perceived usefulness and perceived ease of use of the Theory of Technology Acceptance Model, a cross-sectional survey of 202 employees, who were selected using stratified-random sampling process, was conducted. Questionnaires collected the data and were thoroughly validated and analyzed based on a descriptive analysis, classical assumption test, and multiple regression. Results show that the strongest positive short-term predictors of operational efficiency, speed of decision-making, service quality, and financial results are communication networks (β  =  0.442, p < .001), databases (β  =  0.216, p < .001), and human resource skills (β  =  0.185, p < .001). There is also a positive contribution of software (β = 0.067, p<.01) and information security (β = 0.056, p<.05) and together they explain 68.6% of the variance in performance (Adjusted R²  =  0.686) Devices and equipment, on the contrary, showed a small negative influence (β  =  – 0.078, p < .05) which shows that mere acquisition them without proper planning might not be effective. Such findings highlight the importance of ensuring strong communication infrastructures and user-focused adoption projects within resource-poor, unstable environments and provides easily applied advice on IT investment and capacity-building projects in such environments.
Environmental Performance, Institutional Ownership, And Debt Cost Determinants of Financial Distress Ifatunisa, Mutia; Purwidianti, Wida; Tubastuvi, Naelati; Fakhruddin, Iwan; Roslan, Nur Hafiza
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 2 (2026): April
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i2.9179

Abstract

This study aims to examine and analyze the effect of environmental performance, institutional ownership, and debt costs on financial distress in companies in the energy, raw materials, and industrial sectors listed on the Indonesia Stock Exchange. This study uses a quantitative approach with secondary data obtained from annual reports. The population of this study is companies in the energy, raw materials, and industrial sectors listed on the IDX from 2020 to 2024. With purposive sampling, there are 155 samples based on PROPER certificate ownership and institutional ownership structure. The analysis was conducted using logistic regression with SPSS 26. The control variables used were Total Asset Turnover (TATO), Firm Age, and Firm Size. The results show that debt costs, TATO, firm age, and firm size have a significant effect on financial distress. Meanwhile, environmental performance and institutional ownership do not have a significant effect on financial distress. This study emphasizes the importance of financing structure management, particularly debt costs, in maintaining corporate financial stability. Debt costs play a decisive role in increasing the risk of financial distress if not managed properly. This study reinforces the relevance of trade-off theory in the context of corporate financing in the energy, raw materials, and industrial sectors.
Determinants of Financial Management Behavior of MSMEs: The Mediating Role of Financial Self-Efficacy Kamellia, Siti; Tubastuvi, Naelati
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8155

Abstract

Financial management is key for business actors in achieving business financial efficiency and optimization. This study aims to investigate the impact of financial literacy, financial inclusion, and locus of control on the financial management behavior of MSMEs in Purwokerto, Indonesia, with financial self-efficacy serving as the mediating variable. A quantitative approach was applied in this study, involving 211 purposively selected MSME respondents. Data analysis was conducted using SmartPLS 4, which involved testing both the outer model and the inner model. The findings suggest that financial literacy does not have a significant impact on financial self-efficacy. In contrast, financial inclusion has a negative impact, while locus of control has a positive effect on financial self-efficacy. The results also indicate that financial literacy and financial inclusion have a positive impact on financial management behavior. In contrast, locus of control and financial self-efficacy do not exhibit a significant effect. In addition, financial self-efficacy is not able to mediate the factors that influence financial management behavior. Thus, the results show that improving financial management behavior can be achieved through optimizing financial literacy and financial inclusion.
Peran Mediasi Dukungan Organisasi yang Dirasakan dalam Hubungan antara Kualitas Hidup Kerja, Konflik Kerja–Keluarga, dan Niat Berpindah Kerja di Sektor Kesehatan Fatma Pramesti, Ayunda; Akhmad Darmawan; Naelati Tubastuvi; Purnadi
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8677

Abstract

This study examines employee retention issues in healthcare institutions, focusing on the effects of Quality of Work Life (QWL) and Work–Family Conflict (WFC) on Turnover Intention (TI) with Perceived Organizational Support (POS) as a mediator. A cross-sectional survey was conducted on 115 hospital employees using purposive sampling, and data were analyzed with PLS-SEM. The results indicate that QWL negatively affects TI and positively influences POS, while WFC positively affects TI but does not influence POS. POS negatively affects TI and mediates the relationship between QWL and TI. These findings highlight the importance of improving QWL to strengthen perceived support and reduce turnover intention.
Enhancing MSME: Exploring the Relationship between Financial Literacy, Financial Inclusion, and Capital Access to Improve Performance Naelati Tubastuvi; Rania Nur Ainun; Wida Purwidianti; Luthfi Zamakhsyari
Airlangga Journal of Innovation Management Vol. 5 No. 1 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i1.53990

Abstract

The growth of micro, small, and medium-sized enterprises (MSMEs) is critical to Indonesia's present economic development. This study has the purpose of examining how financial literacy, financial inclusion, and access to capital affect the performance of MSMEs in the Banyumas area. The performance of MSMEs is the dependent variable in this study, and the independent factors are financial literacy, financial inclusion, and access to finance. This study used partial Least Squares (PLS) to handle data in this work. Purposive sampling procedures were employed to select 127 MSMEs from a total of 8,559 MSMEs in the Banyumas Regency as research participants. The study's main findings of the relationship between the three variables of financial literacy, financial inclusion, and access to capital on MSME performance show that these three variables significantly influence MSME performance, both partially and simultaneously. As a result, MSMEs with a high degree of financial competence, simple access to finance, and suitable access to capital would improve MSMEs' performance in an area, resulting in the growth of the enterprises they manage. This research found that the financial literacy level of Banyumas MSMEs is quite high, available financial inclusion is easily accessible and sufficient access to capital can help MSMEs to improve their performance so that they can increase the development of the businesses they run.
Gen Z Investment Decision: Role of Financial Literacy, Financial Behaviour, Financial Experience and Risk Tolerance Naelati Tubastuvi; Muhammad Javier Fausta Azaria; Wida Purwidianti; Yudhistira Pradhipta Aryoko
Airlangga Journal of Innovation Management Vol. 5 No. 4 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i4.61315

Abstract

This research aims to investigate the determinants influencing investment decisions among Generation Z in Banyumas Regency, Indonesia. This research focuses on the population of Generation Z individuals aged 18-27 years, with a sample size of 120 respondents selected through purposive sampling using the 10-times rule method. Data collection was conducted using a structured questionnaire based on a Likert scale to assess various factors, including financial literacy, financial behaviour, financial experience, and risk tolerance. The analysis employed Partial Least Squares Structural Equation Modeling (PLS-SEM) using Smart PLS software, which facilitated the evaluation of both the outer and inner models to test validity, reliability, and hypothesis testing. The results show that financial literacy, financial behaviour and risk tolerance positively and significantly influence investment decisions among Generation Z respondents. These findings suggest that increasing financial literacy, improving financial behaviour and having good risk tolerance can lead to more informed investment decisions among this demographic. Meanwhile, financial experience does not affect investment decisions, indicating that Generation Z investors do not consider their financial experience in their investment decisions. The implications of this research highlight the importance of targeted financial education programs aimed at Generation Z to improve their investment decision-making capabilities. By fostering a better understanding of financial concepts and encouraging responsible financial behaviours, stakeholders can contribute to the development of a more financially literate and proactive generation of investors
Co-Authors Aam Slamet Rusydiana, Aam Slamet Abidin, Gita Rosiliana Aditya, Yogga Aeni, Nurul Nur Afiani, Mirza Zulmi Afri Cahyani, Ikah Afrizal Zaki, Anas Aji , Mukhlis Prasetyo Akhmad Darmawan Akhmad Darmawan Alfalisyado Alfalisyado Alfalisyado, Alfalisyado Ali, Abdulmalek Anak Agung Gede Sugianthara Ani Kusbandiyah Anindita, Kurniasih Setya Arini Hidayah Arini Hidayah, Arini Arofah, Rifka Utami Aryoko, Yudhistira Pradhipta Ayu Aradhea, Nissa Azafii, Azka Saputra Azzahara, Cantik Tiara Maharani Bagis, Fatmah Baligh Al Haj Basuki, Tri Wiyana Budi Santoso, Suryo Cahyani, Ikah Afri Damayanti, Dika Dheya Alhag Alsharabi Dinda Permatasari, Dinda Eko Hariyanto Eko Haryanto Erny Rachmawati Fahitaratih, Syafira Maistin Farah Almas Fadilah Fatma Pramesti, Ayunda Fatmah Bagis Fitriati, Azmi Gemintang, Raihan Akbar Cahya Gunawan Putri, Nadya Loverina Haq, Irdhiana Ilma Hari, Minti Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Herni Justiana Astuti Hidayanti, Febriana Ibarra, Venus C. Ifatunisa, Mutia Inayati, Nur Isna Islami, Adelia Wahyu Iwan Fakhruddin Jaroenwanit, Pensri Justiana Astuti, Herni Kamellia, Siti Kharisma, Billy Widoera Kharismasyah, Alfato Yusnar Kusuma Dewi, Yonanda Roro Lestiana, Eli Luthfi Zamakhsyari Maulida Nurul Innayah Maulidina, Azizah Melda Anggraini Miftahuddin, Muchammad Agung Mohamed, Liban Isak Mudjiyanti, Rina Muhammad Javier Fausta Azaria Nugroho, Bambang Haryo Nurjanah, Anis Rofika Nurjannah, Afifah Zahroh Pandansari, Tiara Pramesti, Shasa Pramurindra, Rezky Pratama, Andika Canggah Pratami, Naturi Diah Purnadi Purnadi, Purnadi Rabbani, Agum Akbar Rahmah, Nunung Aini Rahmawati, Ika Yustina Rahmawati, Meyssy Trisa Ramadani, Arienda Gitty Ramadhan, Sukmadianto Tri Rania Nur Ainun Ratna Kartika Wati Rayhan, Ainun Putri Restu Frida Utami Rifka Utami Arofah Rina Mudjiyanti Rohmah, Aulia Nur Roslan, Nur Hafiza Salsabilla, Syaefa Intan Salvati, Adelia Sobrotul M.Si SE. Ilmiani Sri Wahyuni Sri Wahyuni Sulistyani Budiningsih SURYO Budi Santoso Suyoto , Suyoto Totok Haryanto Wahid, Dimas Lanang Rizky Wiasih, Dina Retno Wida Purwidianti Widhiandono , Hengky Widhidanono, Hengky Widyaningtyas, Dian Widyastuti, Ani Nor Witasari, Rindi Wulan Ndatika, Utyea Wulan, Zani Nawang Yudhistira Pradhipta Aryoko Yuswandani, Arafah Esa Zahra, Hakimatuz