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All Journal SENTRALISASI ASSET: Jurnal Manajemen dan Bisnis
wizdan choiriyah
Universitas Muhammadiyah Ponorogo
Economics, Econometrics & Finance

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Pengaruh Persepsi Harga dan Kualitas Jaringan terhadap Keputusan Pembelian (Studi Kasus pada Mahasiswa UNY Kampus Wates yang Menggunakan Kartu Internet Indosat) wizdan choiriyah
ASSET: Jurnal Manajemen dan Bisnis Vol 1, No 2 (2018): Edisi Desember 2018
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (446.868 KB) | DOI: 10.24269/asset.v1i2.2567

Abstract

This research aims to know: (1) influence of price perception of Indosat Internet card purchase decision, (2) Effect of network quality on the purchase decision of Indosat's Internet card, (3) influence the perception of price and network quality simultaneously to the decision of the purchase of Indosat Internet card at UNY campus Wates. This research is a quantitative study with the survey method using questionnaires. The population used in this study is the entire UNY student Wates campus. Samples were taken as many as 95 respondents using the Purposive sampling method. The instrument validity test uses Confirmatory Factor Analysis, while the reliability test uses Cronbach Alpha. The analytical techniques used are prerequisite test analysis, multiple linear regression analysis, hypothesis testing and coefficient of determination.The results of this study show that: (1) Perception of Price has a positive and significant effect on purchasing decisions with a T-calculate value of 2.537, significance value of 0.013, and regression coefficient has a positive value of 0.245, (2) The network quality has a positive and significant effect on purchasing decisions with a T-count value of 2.870, the significance value of 0.005 , (3) The perception of simultaneous price and network quality has a positive and significant effect on purchasing decisions with a statistical result of F-Calculate of 9.369, the significance of 0.000, (4) The influence of perception of price and network quality of the purchase decision (adjusted R2) is 0.169 (16.9%).
Beyond Digital Adoption: How Financial Technology and Digital Literacy Shape MSME Financial Performance through Financial Literacy Nur Sayidatul Muntiah; Nurul Hidayah; Arif Hartono; Wizdan Choiriyah
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5807

Abstract

The digital economy has encouraged Micro, Small, and Medium Enterprises (MSMEs) to adopt digital technologies to enhance business performance and competitiveness. This study examines the effects of Financial Technology (FinTech) and digital literacy on MSME financial performance, with financial literacy serving as a mediating variable. Data were collected from 100 MSME owners in Ponorogo Regency, Indonesia, using proportionate stratified random sampling The proposed model was evaluated using Partial Least Squares Structural Equation Modeling (PLS-SEM). The empirical results demonstrate that FinTech, digital literacy, and financial literacy each exert a positive and significant effect on financial performance. FinTech adoption and digital literacy also contribute significantly to improving financial literacy. Furthermore, financial literacy partially mediates the relationship between FinTech and financial performance but does not mediate the effect of digital literacy on financial performance. These findings suggest that digital transformation should be accompanied by stronger financial capabilities, enabling MSMEs to convert technological adoption into sustainable financial performance. 
Co-Authors Arif Hartono Nur Sayidatul Muntiah Nurul Hidayah