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All Journal Paradigma : Journal of Science, Religion and Culture Studies Jurnal Administrasi Bisnis JURNAL PENELITIAN PERAWAT PROFESIONAL Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) MAHESA : Malahayati Health Student Journal Kalbisocio: Jurnal Bisnis dan Komunikasi Utsaha: Journal of Entrepreneurship Jurnal Keuangan dan Perbankan Jurnal Manajemen dan Pemasaran Digital Jurnal Inovasi Global Journal of Accounting, Management and Islamic Economics
Nuri Wulandari, Nuri
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Religion Humanities Astronomy Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary

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SOCIALIZATION AND PSYCHOLOGICAL DETERMINANTS OF FINANCIAL CONFIDENCE AMONG JAKARTA STOCK INVESTORS Nugroho, Aditya Tri; Wulandari, Nuri; Prabantarikso, Mahelan; Haryanti, Enny
UTSAHA: Journal of Entrepreneurship [IN PRESS] Vol. 5 Issue 1 (2026)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/joe.v5i1.915

Abstract

Financial confidence represents a critical determinant in investment decision-making among stock market participants. This study examines the influence of financial socialization and psychological characteristics on financial confidence among stock investors in Jakarta, mediated by digital financial literacy and financial behavior. A quantitative research approach was employed, utilizing SmartPLS 3 software for data analysis through Partial Least Squares Structural Equation Modeling. The sample comprised 50 active stock investors residing in Jakarta, with data collected through structured questionnaires using five-point Likert scales. The analysis revealed four principal findings. First, financial socialization does not significantly influence digital financial literacy (p = 0.200), contradicting conventional socialization theory expectations. Second, psychological characteristics exert a strong positive influence on digital financial literacy (β = 0.902, p < 0.001). Third, digital financial literacy significantly affects financial behavior (β = 0.732, p < 0.001). Fourth, financial behavior strongly influences financial confidence (β = 0.799, p < 0.001). These findings suggest that intrinsic psychological factors serve as more powerful drivers of financial confidence development than external social learning processes among equity investors. The research contributes theoretical insights regarding financial confidence formation in emerging markets and provides practical implications for financial institutions, regulators, and investors. The study recommends that investor education programs prioritize psychological skill development and experiential learning rather than conventional information dissemination approaches.
The Effect of Expectation Confirmation and Perceived Usefulness on Continuance Intention of QRIS Mobile Banking Users: The Mediating Role of Customer Satisfaction Alfiyaturrohmah, Rizka; Prabantarikso, Mahelan; Simatupang, Batara Maju; Wulandari, Nuri
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/cxga0q84

Abstract

This research aims to test the influence of expectation confirmation and perceived usefulness on the continuance intention of QRIS mobile banking users mediated by customer satisfaction. The sample in this study were banking customers who were recorded as actively using QRIS services spread including Jakarta, West Java and East Java involving 300 respondents. The analysis technique used Structural Equation Modelling – Partial Least Squares analysis. The results of the research obtained: perceived usefulness, expectation confirmation, and customer satisfaction has a significant effect on continuance intention; expectation confirmation has an effect on customer satisfaction; and gender demographic factors (control variables) have a significant effect on continuance intention, whereas age and income factors are not significant. The managerial implication is that banking service providers in Indonesia can continue to innovate and develop QRIS, which is not only the development of QRIS MPM, QRIS CPM, and QRIS TTS, but can also answer business challenges and customer needs for QRIS mobile banking services that enable customers to conduct digital financial transactions across countries.
The Effect of Live Selling and Price Promotion Strategies on Purchase Intention Through Impulsive Buying Tendency on Tiktok Live Streaming: A Study of Millennials in Gorontalo Tupamahu, Michael Samuel; Wulandari, Nuri; Haryanti, Enny; Rofianto, Whony
Jurnal Inovasi Global Vol. 4 No. 3 (2026): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v4i3.523

Abstract

The growth of live-streaming-based e-commerce in Indonesia, especially through the TikTok Live feature, underscores the need to understand the psychological mechanisms that mediate the influence of digital marketing strategies on the purchase intention of millennial consumers in non-metropolitan areas such as Gorontalo Province. This study aims to analyze the influence of live selling and price promotion strategies on purchase intention, either directly or through impulsive buying tendency as a mediating variable among the millennial generation of TikTok Live users in Gorontalo. The study employed a quantitative approach using the Stimulus–Organism–Response (SOR) framework and involved 150 millennial respondents who had witnessed or made purchases through TikTok Live. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS. The results of the study indicate that live selling and price promotion strategies have a positive and significant effect on impulsive buying tendency, and impulsive buying tendency, in turn, has a positive and significant effect on purchase intention. Furthermore, impulsive buying tendency was found to significantly mediate the influence of live selling strategies and price promotion on purchase intention. These findings confirm that impulsivity serves as a key psychological mechanism in converting digital marketing stimuli into purchase intention among millennial consumers in non-metropolitan areas. The results also demonstrate that the effectiveness of TikTok Live strategies is not solely determined by price promotions but also by the quality of live selling interactions and the proportionate management of emotional stimuli.
Co-Authors Adiratna Sekar Siwi Aditya Tri Nugroho Alfiyaturrohmah, Rizka Andriani, Meta Ardianto, Ferenisyah Ari Nugroho, Surya Arni Nur Rahmawati Chairunnisa, Greisa De Jager, Johan W. Dewi Anjani Sudrajat, Nikita Hagin Maengga, Javine Haryanti, Enny Kurniawati, Arie Lifa Meisyah Putra, Vito Lutfia, Nurul Luthfiyah, Afifatunisa Mahry, Syarifah Endolusia Maju Simatupang, Batara Nur Assyifa, Salsabila Prabantarikso, Mahelan Rofianto, Whony Santi Rimadias Simatupang, Batara Simatupang, Batara Maju Suci Khasanah Sundari, Ririn Isma Tupamahu, Michael Samuel