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All Journal Jurnal Reviu Akuntansi dan Keuangan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Tazkia Islamic Finance and Business Review Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT JRB-Jurnal Riset Bisnis SULUH: Jurnal Abdimas Jurnal Ekonomi Manajemen Sistem Informasi Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) AL-FALAH : Journal of Islamic Economics Indonesian Capital Market Review Journal of Business Management and Economic Development INQUISITIVE: International Journal of Eonomic JIMP: Jurnal Ilmiah Manajemen Pancasila Jurnal Manajemen dan Pemasaran Digital Jurnal Siber Multi Disiplin Greenation International Journal of Tourism and Management As-Syirkah: Islamic Economic & Financial Journal
Nurul Hilmiyah
Universitas Pancasila, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Perilaku Pembelian Impulsif Ditinjau dari Visual Merchandising, Store Atmosfir dan Variasi Produk Yang Dimediasi oleh Consumer Perceived Value Aurelia Patricia Seran, Maria; Thalib, Supriadi; Hilmiyah, Nurul
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 5 No. 6 (2024): Jurnal Ekonomi Manajemen Sistem Informasi (Juli - Agustus 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v5i6.2580

Abstract

Kemunculan online shop telah mengubah perilaku konsumen, mempengaruhi gerai ritel dengan kerugian finansial dan penurunan kunjungan pelanggan. Penelitian ini mengeksplorasi faktor-faktor yang diduga memicu perilaku pembelian impulsif di KKV AEON Mall Sentul City: visual merchandising, atmosfer toko, variasi produk, dan nilai yang dirasakan konsumen. Metodologi yang digunakan adalah deskriptif kuantitatif analisis data primer PLS-SEM dengan SmartPLS. Hasil penelitian menunjukkan bahwa visual merchandising, atmosfer toko, dan variasi produk berpengaruh positif dan signifikan pada persepsi nilai konsumen. Visual merchandising dan variasi produk juga memengaruhi perilaku pembelian impulsif secara positif dan signifikan. Persepsi nilai konsumen memediasi hubungan antara variabel bebas dan perilaku pembelian impulsif.
PERSUASIVE POWER IN THE DIGITAL AGE: A STUDY ON GOJEK USERS’ PURCHASE INTENTION IN DEPOK CITY THROUGH COPYWRITING, CONTENT MARKETING, AND BRAND AWARENESS Bun, Lunie; Hilmiyah, Nurul; Ichwani, Tia
INQUISITIVE : International Journal of Economic Vol. 5 No. 2 (2025): June
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/inquisitive.v5i2.8780

Abstract

This research aims to examine the influence of Copywriting, Content Marketing, and Brand Awareness on Purchase Intention in Gojek products (Case Study of Gojek Users in Depok City). The type of data used is primary data. The sample used came from 100 respondents. The data source used is the respondents’ answers from the questionnaire distributed. The data analysis techniques used are Validity Test, Realibility Test, Classical Assumption Test, Statistical Test, and Hypothesis Test. This research uses the SPSS 25 data processing system. The results of this research partially show that Copywriting, Content Marketing, and Brand Awareness have a positive and significant effect on buying interest in Gojek products in Depok City. The results of this research simultaneously show that Copywriting, Content Marketing, and Brand Awareness have a positive and significant effect on purchasing interest in Gojek products.
Analisis Faktor-Faktor yang Mempengaruhi Minat Wakaf Uang Generasi Milenial di Kota Bogor Delia; Possumah, Bayu Taufiq; Hilmiyah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 4 No. 1 (2025): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/g2frb777

Abstract

This research is motivated by the low level of realization of cash waqf collection when compared to the existing potential, with the majority of the population being Muslim and the population dominated by the millennial generation of productive age of the workforce. So there needs to be a deeper analysis of public interest, especially the millennial generation in doing waqf. The problem formulations in this study are (1) Does religiosity affect the interest in waqf money of the millennial generation in the city of Bogor? (2) Does attitude affect the interest in waqf money of the millennial generation in the city of Bogor? (3) Does religiosity through attitude affect the interest in waqf money of the millennial generation in the city of Bogor? (4) Does subjective norm affect the interest in waqf money of the millennial generation in the city of Bogor? (5) Does behavioral control affect the interest in waqf money of the millennial generation in the city of Bogor? This type of research is quantitative research using survey instruments. The object of this research is the millennial generation in Bogor City. The object of this research is cash waqf interest in Bogor City. The data collection technique used a questionnaire. Data analysis techniques using Structural Equation Modeling (SEM). Based on the results of the study, it states that Religiosity has a significant and positive effect on the interest in waqf money of the millennial generation in Bogor City. The second result states that Attitude has a significant and positive effect on the interest in waqf money of the millennial generation in Bogor City. The third result states that religiosity through attitude has a significant and positive effect either directly or indirectly on the interest in millennial generation cash waqf in Bogor City. The fourth result states that subjective norms have a significant and positive effect on millennial generation cash waqf interest in Bogor City and the fifth result states that behavioral control has an insignificant effect on millennial generation cash waqf interest in Bogor City.
EDUKASI PEMASARAN BERBASIS DIGITAL BAGI PRODUK UMKM PULAU PRAMUKA JAKARTA Thalib, Supriadi; Hilmiyah, Nurul; Wulandjani, Harimurti; Mulyadi, Mulyadi; Azajarah, Tiara Rima
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Volume 5 No 1 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i1.25807

Abstract

Pemasaran digital merupakan sarana untuk memperkenalkan produk melalui media digital maupun online. Perkembangan dunia digital saat ini sedang trend dan menjadi kebutuhan di semua kalangan. Pemanfaatan konsep pemasaran berbais teknologi digital menjadi harapan bagi usaha kecil dan menengah (UMKM) untuk berkembang menjadi pusat kekuatan ekonomi. UMKM dapat menggunakan media sosial sebagai sarana digital marketing. Selain biaya yang murah dan tidak perlunya memiliki keahlian khusus dalam melakukan inisiasi awal, media sosial dianggap mampu untuk secara langsung meraih konsumen, namun masih banyak UMKM yang masih mengalami kesulitan dalam proses pemasaran produk menjadi kendala dalam pengembangan usahanya. Tujuan dari kegiatan ini adalah meningkatkan kemampuan dan pengetahuan pelaku UMKM melalui digital marketing untuk memasarkan produk yang lebih luas sehingga penjualan bisa meningkat. Edukasi seperti ini perlu lebih sering dilaksanakan untuk membangun kesadaran dan pemahaman mengenai digital marketing dan langkah-langkah yang harus dilakukan untuk membuat dan mengelola akun media sosial. Di sisi lain, pelaku UMKM harus menumbuhkan keberanian untuk mencoba hal yang baru, berlaku profesional, dan sabar menunggu hasil sambil terus berkreasi.
Impact of the Relationship among Financial Development, ICT and English Proficiency on Income Inequality: Evidence from Malaysia Shaharuddin, Norhasimah; Azam, Abdul Hafiz Mohd; Wahab, Mohd Hafiz Abdul; Karim, Norzitah Abdul; Hilmiyah, Nurul; Shakrein, Sharul Shahida; Osman, Adibah Alawiah
The Indonesian Capital Market Review Vol. 16, No. 1
Publisher : UI Scholars Hub

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

Abstract

Income inequality is a persistent phenomenon and fundamental issue of concern, especially in this new digital era, because unequal access to finance has long been recognized as a critical mechanism for generating persistent income inequality. ICT tools and approaches are being used widely today due to their convenience, omnipresence and economy. This study examines the influence of financial development, ICT, and English proficiency on income inequality in Malaysia during the period of 1979-2019. The empirical results based on the ARDL bounds test indicated that financial develop- ment and English proficiency support the hypothesis that both factors can reduce the income gap in the long run. While ICT has shown different results, its improvement has only reduced the income gap in the short term. Hence the need for strengthening ICT policy is crucial as it can lead to develop- ment. Mastery of English is also considered to foster economic resilience.
Pengaruh Demographic Diversity terhadap Risiko Perbankan di Indonesia Aulia Keiko Hubbansyah; Nurul Hilmiyah; Safitri Siswono; Darmanto; Maulana Hasanudin
Jurnal Manajemen Pendidikan dan Ilmu Sosial Vol. 6 No. 6 (2025): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Oktober-November 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpis.v6i6.6585

Abstract

Studi ini bertujuan menganalisis faktor keberagaman demografi pada kelompok dewan direksi terhadap perilaku berisiko perbankan di Indonesia. Dengan menggunakan metode Differences-In-Differences dan melibatkan 47 bank selama periode 2010-2023, studi ini menemukan bahwa penurunan rata-rata usia anggota dewan direksi secara signifikan meningkatkan perilaku berisiko perbankan. Sejalan dengan itu, meningkatnya representasi eksekutif perempuan dalam komposisi dewan direksi berkontribusi terhadap menurunnya perilaku berisiko perbankan. Ini mengindikasikan bahwa keberadaan perempuan di dewan bukan sekadar simbolik, melainkan memiliki dampak nyata. Di antara variabel kontrol, studi ini menemukan bahwa total aset dan rasio kecukupan modal yang lebih tinggi secara konsisten berkorelasi negatif terhadap risiko portofolio dalam semua regresi. Koefisien pertumbuhan PDB yang positif dan signifikan dalam beberapa regresi menunjukkan bahwa risiko portofolio cenderung bergerak secara pro-siklus.
Analisis Social Media Marketing dan Influencer “Sashfir” terhadap Purchase Decision Produk Lafiye Melalui E-Wom Sebagai Variabel Intervening Zuniar, Arneza Diva; Thalib, Supriadi; Wulandjani, Harimurti; Hilmiyah, Nurul
Jurnal Manajemen dan Pemasaran Digital Vol. 4 No. 1 (2026): Jurnal Manajemen dan Pemasaran Digital (Januari - Maret 2026)
Publisher : Siber Nusantara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpd.v4i1.591

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Social Media Marketing dan Influencer Sashfir terhadap Purchase Decision produk Lafiye dengan Electronic Word of Mouth (E-WOM) sebagai variabel intervening. Penelitian menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner online kepada pengikut atau familiar dengan akun media sosial Lafiye yang pernah membeli produk Lafiye, melalui teknik Purposive Sampling dan jumlah sampel yang direncanakan sebanyak 224 responden. Penelitian ini  menggunakan Structural Equation Modelling (SEM) berbasis Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa Social Media Marketing berpengaruh positif dan signifikan terhadap E-WOM. Influencer “Sashfir” berpengaruh positif dan signifikan terhadap E-WOM. Social Media Marketing, Influencer “Sashfir”, dan E-WOM masing-masing berpengaruh positif dan signifikan terhadap Purchase Decision. Hasil pengujian mediasi menunjukkan bahwa E-WOM mampu memediasi Social Media Marketing dan Influencer “Sashfir” terhadap Purchase Decision. Temuan ini menunjukkan bahwa pemanfaatan strategi marketing yang baik dapat memperkuat frekuensi brand dibicarakan sehinggan berdampak terhadap penjualan produk.
The Effect of Brand Awareness and Perceived Quality Through Purchas Intention on Purchase Decision on Transit Advertising Commuter Lines in Jabodetabek (An Empirical Study of Le Minerale Products) Valentine, Amanda; Thalib, Supriadi; Wulandjani, Harimurti; Hilmiyah, Nurul
Greenation International Journal of Tourism and Management Vol. 4 No. 1 (2026): (GIJTM) Greenation International Journal of Tourism and Management (March - May
Publisher : Greenation Research & Yayasan Global Resarch National

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/gijtm.v4i1.795

Abstract

This study aims to examine the influence of Brand Awareness and Perceived Quality on Purchase Decision through Purchase Intention in transit advertising on the Jabodetabek Commuter Line, with an empirical study of Le Minerale products. The sampling technique employed was non-probability sampling using a purposive sampling approach. Data were collected through the distribution of questionnaires to 200 respondents. This study applied Partial Least Squares–Structural Equation Modeling (PLS-SEM) as the data analysis technique, utilizing SmartPLS software version 4.0.9.9.The findings indicate that Brand Awareness and Perceived Quality have a positive and significant effect on Purchase Intention and Purchase Decision. Furthermore, Purchase Intention, as an intervening variable, plays a positive and significant role in mediating the relationship between Brand Awareness and Perceived Quality and Purchase Decision.
Factors that Influence Continuance Intentions Paying Personal Loans for Working Adults Hilmiyah, Nurul; Rahman, Aisyah Abdul; Noor, Laili Savitri; Hubbansyah, Aulia Keiko
Journal of Business Management and Economic Development Том 4 № 01 (2026): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v4i01.2359

Abstract

The rapid growth of financial technology in Indonesia, particularly in the online lending sector, has significantly enhanced financial inclusion. However, this expansion is accompanied by a critical challenge: a rising non-performing loan (NPL) rate, which reached 7% in 2023—substantially exceeding the regulatory threshold of 3%. This study aims to examine the behavioral and psychological determinants of personal loan repayment intention among working adults. Using a quantitative, purposive sampling approach, data were collected from 340 respondents and analyzed using ordinary least squares (OLS). The findings reveal that financial literacy, financial self-efficacy, subjective norms, and attitudes positively influence repayment intention, whereas financial stress negatively influences it. Furthermore, the study uncovers important indirect mechanisms: financial literacy enhances repayment intention through improved self-efficacy and positive attitudes, while simultaneously reducing financial stress. This study contributes to the literature by integrating financial capability (literacy and self-efficacy), psychological stress, and social influence within the Theory of Planned Behavior framework to explain repayment behavior in the fintech lending context—an area that remains underexplored in emerging economies. From a practical perspective, the findings imply that fintech platforms and regulators should prioritize financial education programs, behavior-based credit assessment, and social reinforcement mechanisms to improve repayment performance and reduce default risk. Strengthening borrowers’ financial capability and psychological resilience is essential to ensure the sustainability of the digital lending ecosystem and maintain public trust in financial technology.
Perilaku Pembelian Impulsif Ditinjau dari Visual Merchandising, Store Atmosfir dan Variasi Produk Yang Dimediasi oleh Consumer Perceived Value Aurelia Patricia Seran, Maria; Thalib, Supriadi; Hilmiyah, Nurul
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 5 No. 6 (2024): Jurnal Ekonomi Manajemen Sistem Informasi (Juli - Agustus 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v5i6.2580

Abstract

Kemunculan online shop telah mengubah perilaku konsumen, mempengaruhi gerai ritel dengan kerugian finansial dan penurunan kunjungan pelanggan. Penelitian ini mengeksplorasi faktor-faktor yang diduga memicu perilaku pembelian impulsif di KKV AEON Mall Sentul City: visual merchandising, atmosfer toko, variasi produk, dan nilai yang dirasakan konsumen. Metodologi yang digunakan adalah deskriptif kuantitatif analisis data primer PLS-SEM dengan SmartPLS. Hasil penelitian menunjukkan bahwa visual merchandising, atmosfer toko, dan variasi produk berpengaruh positif dan signifikan pada persepsi nilai konsumen. Visual merchandising dan variasi produk juga memengaruhi perilaku pembelian impulsif secara positif dan signifikan. Persepsi nilai konsumen memediasi hubungan antara variabel bebas dan perilaku pembelian impulsif.
Co-Authors Anninsa Lailatul Qodriyah Aulia Keiko Hubbansyah Aurelia Patricia Seran, Maria Azahra Sarah Aulia Azajarah, Tiara Rima Azam, Abdul Hafiz Mohd Bayu Retno Widyastuti Bayu Taufiq Possumah Bayu Taufiq Possumah Bayu Taufiq Possumah Bayu Taufiq Possumah, Bayu Taufiq Bun, Lunie Cessya Altaira Putri Darmanto David Al Ghani Delia Dewi Tri Rahayu Erwin Permana Ferdy Fachrul Widanta Hubbansyah, Aulia Keiko Ichwani, Tia Iha Haryani Hatta Karim, Norzitah Abdul Lailah Fujianti Lies Putriana Maulana Hasanudin Mira Munira Muhammad Hakimi Mohd Shafiai Muhammad Hakimi Mohd Shaifai Muhammad Hakimi Mohd. Shafiai Muhammad Hakimi Shafiai Mulyadi Mulyadi Munira, Mira Murti Widyaningsih Nazwa Safinatuz Zingga Nelyumna Rizal Noor, Laili Savitri Osman, Adibah Alawiah Parenrengi, Sudarmin Rahman, Aisyah Abdul Safitri Siswono Setiarini, Setiarini Shaharuddin, Norhasimah Shakrein, Sharul Shahida Sinta Budi Astuti Tara Artanti Putri Wicaksono Thalib, Supriadi Tia Ichwani Valentine, Amanda Wahab, Mohd Hafiz Abdul Widyaningsih Azizah Wulandjani, Harimurti Yunas, Satria Zulfa Emeliya Zein Zuniar, Arneza Diva