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All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Proceeding Seminar LPPM UMP Tahun 2014 JBTI : Jurnal Bisnis : Teori dan Implementasi JURNAL EKONOMI DAN BISNIS AIRLANGGA DERIVATIF Management Analysis Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan International Journal of Islamic Business and Economics (IJIBEC) Jurnal Administrasi dan Manajemen Dinamika Journal : Pengabdian Masyarakat Budimas : Jurnal Pengabdian Masyarakat Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) JURNAL MANAJEMEN DAN BISNIS EQUILIBRIUM Airlangga Journal of Innovation Management JURNAL ILMIAH GLOBAL EDUCATION Bima Journal : Business, Management and Accounting Journal Cakrawala: Jurnal Studi Islam Formosa Journal of Multidisciplinary Research (FJMR) Jurnal Ekonomi, Bisnis dan Manajemen Master: Jurnal Manajemen dan Bisnis Terapan Asian Journal of Management Analytics Prosiding Seminar Nasional Hasil-hasil Penelitian dan Pengabdian Pada Masyarakat International Journal of Business and Applied Economics (IJBAE) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Journal of Educational Management Research Jurnal Terapan Ekonomi dan Bisnis (JTEB) Jurnal Literasi Pengabdian dan Pemberdayaan Masyarakat El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi JURNAL MANAJEMEN DAN BISNIS INDONESIA Innovation Business Management and Accounting Journal
Restu Frida Utami
Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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THE INFLUENCE OF SERVICE QUALITY, CUSTOMER TRUST, AND WORD OF MOUTH ON TRANS BANYUMAS USER DECISIONS Siti Rahayu; Herni Justiana Astuti; Fatmah Bagis; Restu Frida Utami
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 1 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i1.3645

Abstract

Introduction: Public transportation plays a vital role in supporting people’s mobility, particularly amid growing competition from technology-based services. Trans Banyumas is here to provide modern, comfortable, and affordable public transportation. However, there are still obstacles related to the perception of service quality, trust level, and the effectiveness of word-of-mouth that can affect user decisions. This study will examine how the influence of service quality, customer trust, and word-of-mouth communication affects people’s decisions about using Trans Banyumas.Methods: This research uses a quantitative, associative approach. The sample size was 159 respondents, selected using purposive sampling criteria, including those who had used Trans Banyumas in the last three months. Data were collected through live and online questionnaires and then analyzed using multiple linear regression in SPSS version 27.Results: The analysis findings indicate that service quality, customer trust, and word of mouth have a positive and significant impact on user decisions. The conclusion of these findings confirms that consistently improving service quality, strengthening trust, and optimizing user recommendations are effective strategies to encourage decisions to use Trans Banyumas. Keywords: Customer Trust, Service Quality, Word of Mouth, User decision
PENGARUH KEPUASAN KARIR DAN JOB INSECURITY TERHADAP TURNOVER INTENTION DENGAN MEDIASI KOMITMEN ORGANISASI PADA PEGAWAI RS ISLAM PURWOKERTO Nisa Hidayah; Hengky Widhiandono; Akhmad Darmawan; Restu Frida Utami
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3741

Abstract

Introduction: This study aimed to examine the influence of career satisfaction and job insecurity on turnover intention, with organizational commitment serving as a mediating variable, among employees of Purwokerto Islamic Hospital.Methods: A quantitative approach was employed involving a population of 130 employees from various departments at Purwokerto Islamic Hospital, including nurses, pharmacists, PPJA (nurses in charge of care), ward heads or coordinators, laundry staff, cleaning service staff, medical records staff, and security guards. Data were collected using a questionnaire, and analyses were performed using SmartPLS version 3.Results: The research findings indicate that career satisfaction has a positive but insignificant effect on both organizational commitment and turnover intention. In contrast, job insecurity was found to have a positive and significant effect on turnover intention and organizational commitment. Organizational commitment was also shown to have a positive and significant effect on turnover intention. Additionally, the results indicated that organizational commitment did not mediate the relationship between career satisfaction and turnover intention, but did mediate the relationship between job insecurity and turnover intention. Overall, these findings highlight the critical roles of job insecurity and organizational commitment in efforts to reduce employee turnover rates. Keywords: Career Satisfaction, Job Insecurity, Organizational Commitment, SmartPLS, Turnover Intention
Understanding Users' Decisions to Adopt Canva: The Roles of Perceived Ease of Use, Perceived Behavioral Control, and Word of Mouth Athalia Farah Anggita Sriwidari; Restu Frida Utami; Suyoto; Dian Widyaningtyas
Journal of Educational Management Research Vol. 5 No. 5 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i5.2975

Abstract

This study aims to examine the influence of Perceived Ease of Use, Perceived Behavioral Control, and Word of Mouth on the decision to use the Canva application. This research employed a quantitative approach using a survey method. Data were collected from 133 Canva users selected through purposive sampling and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3. The findings indicate that Perceived Ease of Use, Perceived Behavioral Control, and Word of Mouth each have a positive and significant effect on the decision to use the Canva application. Among these variables, Word of Mouth demonstrates the strongest influence, indicating that user recommendations play a crucial role in encouraging application usage decisions. These findings imply that Canva should prioritize enhancing user experience by improving ease of use and strengthening users’ confidence in using the application while encouraging positive user recommendations to increase adoption and usage decisions. The study also contributes to the understanding of technology adoption by highlighting the importance of behavioral and social factors in influencing users’ decisions.
Digital Financial Literacy and Financial Technology on Financial Performance through Financial Behavior as a Mediating Variable Nur Apni Wulandari; Wida Purwidianti; Maulida Nurul Innayah; Restu Frida Utami
Airlangga Journal of Innovation Management Vol. 6 No. 3 (2025): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v6i3.75572

Abstract

This research analyzes the effect of digital financial literacy and financial technology on financial performance, with financial behavior as a mediator. The population used is the MSE actors in the South Brebes Regency area, consisting of 6 sub-districts. Sampling using the convenience sampling technique calculated by the Slovin formula, resulting in 110 participants. The data were collected through the distribution of questionnaires using a Likert scale, and then examined with SmartPLS 3.0 software. According to the results, adopting fintech is not the only way for MSEs to achieve excellent financial performance; responsible financial behavior and a firm understanding of digital financial literacy are also essential. Theoretically, this study highlights that enhancing MSE financial performance requires a combination of financial expertise and efficient technology use, since technology is insufficient on its own without the capacity to understand and utilize financial data strategically. From a managerial standpoint, the findings suggest that improving MSE actors’ financial capabilities, especially their comprehension, interpretation, and application of digital financial tools and concepts, is essential to guaranteeing that fintech solutions can be utilized efficiently. In an increasingly digital economic world, this capacity helps business owners make strategic, sustainable, and well-informed decisions that support the long-term resilience and success of their companies.
Pengaruh Literasi Keuangan, Parental Income, Locus of Control dan Social Influence terhadap Perilaku Keuangan pada Generasi Z di Kabupaten Cilacap Akmal Elmas Alrofi; Erna Handayani; Wida Purwidianti; Restu Frida Utami
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 5 No. 3 (2026): Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v5i3.4625

Abstract

This study aims to analyze the influence of financial literacy, parental income, locus of control, and social influence on the financial behavior of Generation Z in Cilacap Regency. A quantitative approach was employed using a survey method involving 180 Generation Z respondents selected through purposive sampling. The research instrument was developed using a Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess validity, reliability, and relationships among variables. The results indicate that financial literacy, parental income, locus of control, and social influence have positive and significant effects on financial behavior. Social influence emerged as the most dominant factor, followed by locus of control, financial literacy, and parental income. These findings confirm that Generation Z’s financial behavior is shaped not only by financial knowledge but also by family economic conditions, individual self-control, and social environmental influences. This study highlights the importance of integrating financial education, character development, and positive social environments to promote more rational and sustainable financial behavior among Generation Z.
Pengaruh Fanatisme, Influencer, dan Online Customer Review terhadap Keputusan Pembelian Merchandise Hindia (Studi pada Fanbase @teamhindia) Egidia Rikhadatul Aisy; Restu Frida Utami; M Agung Miftahuddin; meydy fauziridwan
Ekonomis: Journal of Economics and Business Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i2.2930

Abstract

This study aims to analyze the influence of fanaticism, influencers, and online customer reviews on purchasing decisions for official Hindia merchandise within the @teamhindia community, using the Theory of Planned Behavior as its theoretical framework. A quantitative approach was employed, utilizing purposive sampling to select 100 respondents who are @teamhindia followers and have previously purchased official Hindia merchandise. Primary data were collected via Likert-scale questionnaires and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The analysis results indicate that fanaticism, influencers, and online customer reviews each exert a positive and significant influence on purchasing decisions, with fanaticism emerging as the most dominant factor.
ORGANIZATIONAL CITIZENSHIP AMONG NURSES: THE ROLES OF TRANSFORMATIONAL LEADERSHIP, JOB SATISFACTION AND ORGANIZATIONAL COMMITMENT Putri Maulidina Azzahra; Akhmad Darmawan; Fatmah Bagis; Restu Frida Utami
Jurnal Maneksi Vol. 15 No. 3 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i3.4068

Abstract

Introduction: The success of an organization depends on its workforce, particularly in the healthcare sector where nurses play a crucial role in service quality. This study aims to examine the effects of transformational leadership, job satisfaction, and organizational commitment on Organizational Citizenship Behavior (OCB) among nurses at Wijayakusuma Hospital Purwokerto, a military-based hospital.Methods: This study employed a quantitative approach using a saturated sampling technique involving 101 nurses as respondents. Data were collected through questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software.Results: The results indicate that transformational leadership and job satisfaction have no significant effect on Organizational Citizenship Behavior (OCB), whereas organizational commitment has a positive and significant effect on OCBConclusions and Recommendations: Organizational commitment is therefore considered a highly effective strategy for enhancing Organizational Citizenship Behavior (OCB) among nurses, particularly in military-based hospitals. Based on these findings, future research is recommended to re-examine the nurse population at Wijayakusuma Hospital Purwokerto to ensure the consistency of these results, considering that the observed pattern of relationships differs from that reported in most previous studies. Keywords: Organizational Citizenship Behavior (OCB), Transformational Leadership, Job Satisfaction, Organizational Commitment.
Co-Authors Aeni, Nurul Nur Afiani, Mirza Zulmi Akhmad Darmawan Akhmad Darmawan Akhmad Fauzi Akmal Elmas Alrofi Alfato Yusnar Kharismasyah Anggraito, Lucky Annisa Ilma Hartikasari Anur Inayati Aqsha Anantha Arini Hidayah, Arini Arman, Faris Meirizki Arofah, Rifka Utami Athalia Farah Anggita Sriwidari Dian Papulasih Dian Widyaningtyas Dini Siswani Mulia Dita Ardianti Egidia Rikhadatul Aisy Erna Handayani Erny Rachmawati Fatmah Bagis Febriansyah, Wivan Hardyanthi, Try Hartikasari, Annisa Ilma Hengky Widhiandono, M.Si. S.E. Herni Justiana Astuti Herni Justiana Astuti Ika Rahmawati Ika Yustina Rahmawati Inayati, Nur Isna Istianah Istianah M Agung Miftahuddin M Makhrus M Makhrus Makhrus, M Maulida Nurul Innayah Mawaddah, Apriani Meydy Fauziridwan Mufida Nofiana Mufida Noviana Muryanto, Muhammad Naelati Tubastuvi Naelati Tubastuvi Nisa Hidayah Nofianingsih, Elsa Nur Apni Wulandari Petra, Dany Nofrizal Purnadi Purnadi Purnadi, Purnadi Putri Anggi Irawan Putri Dwi Cahyani Putri Dwi Cahyani, Putri Dwi Putri Maulidina Azzahra Rahmawati, Ika Yustina Ramdhani, Muhamad Luthfi Ratna Utami Refaldy Barry Saputra Rifka Utami Arofah Rizaldi Anggito Yudha Safitri Mukarromah Salsa Bila, Meisya Noor Saputra, Eqwar Selamat Eko Budi Santoso Siti Rahayu Slamet Budi Santoso Sri Wahyuni Sugeng Priyadi Suyoto Suyoto Suyoto Suyoto Suyoto Syarila Asri Febiani Syifaramadan, Choiruddin Sylvia Nur Saputri Totok Haryanto Tri Septin Muji Rahayu, Tri Septin Tubagus Zuhdan Azis Wahid, Dimas Lanang Rizky Wida Purwidianti