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A Financial Playbook for Making Investment Decisions Musa, Muhammad Ichwan; Aslam, Annisa Paramaswary; Aswar, Nurul Fadilah; Syahrul, Khaidir; Parawansa, Jalaluddin Mannagalli
Media Ekonomi dan Manajemen Vol 39, No 1 (2024): January 2024
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/mem.v39i1.4446

Abstract

This study examines the influence of gender, age, education, living area and marital status as socio-demographic indicators and  financial literacy toward investment decisions. The research was conducted in South Sulawesi, Indonesia with 167 respondents. The sample used was purposive sampling, with the specific criteria for the level of Indonesian wealth. Quantitative methods and a problem-solving approach were used. We found that gender has a negative and significant effect, education, living area, and marital status positively and significantly affect investment decisions. Women tend to prefer low-risk investments compared to men largely attributed to lower levels of financial literacy among women. In terms of education, investors with higher levels of education are more likely to make more informed investment decisions as they demonstrate improved risk management skills and a higher level of financial literacy. The living area also influences their investment decisions, with urban investors having easier access to information and knowledge about investments. Marital status also affects investment decisions, as married investors often prioritize the responsibility of their investments. However, age have a negative and not significant on investment decisions. This can be explained by the higher number of younger people becoming involved in investment decisions.
Sustainability Tourism Melalui Branding Marketing Budaya di Desa Balangloe Kecamatan Tarowang Kabupaten Jeneponto Aswar, Nurul Fadilah; Ridha, Achmad; Mattoliang, Ridwan Andi; Rostina; Putra, Muh Al Fatah Arief
Ininnawa : Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2025): Vol. 3 No. 2 (2025): Volume 03 Nomor 02 (Oktober 2025)
Publisher : Program Studi Manajemen FEB UNM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/rdd98036

Abstract

Desa Balangloe, Kecamatan Tarowang, Kabupaten Jeneponto, Sulawesi Selatan, memiliki potensi wisata budaya yang khas melalui ritual tahunan Je’ne’-Je’ne’ Sappara’ dan prosesi Passempa’. Tradisi ini mencerminkan nilai-nilai kearifan lokal masyarakat Bugis-Makassar seperti siri’ na pacce, sipakatau, dan sipakalebbi. Namun, pengelolaan destinasi budaya ini belum optimal, terutama dalam aspek branding marketing dan pemanfaatan media digital. Penelitian ini bertujuan untuk menganalisis peran internalisasi budaya dalam strategi branding sebagai upaya pengembangan sustainability tourism. Dengan pendekatan kualitatif melalui studi pustaka, observasi, serta analisis dokumen, penelitian ini menemukan bahwa integrasi nilai-nilai budaya ke dalam strategi pemasaran mampu memperkuat identitas wisata Balangloe, meningkatkan partisipasi masyarakat, dan memperluas pasar wisata berbasis budaya. Studi ini merekomendasikan penguatan digital branding, pendampingan komunitas, serta kolaborasi multi-stakeholder untuk mendukung pengembangan pariwisata berkelanjutan di Jeneponto.
THE INFLUENCE OF COUNTRY OF ORIGIN ON PURCHASE DECISIONS THROUGH PRICE AS A MEDIATING VARIABLE IN XIAOMI PRODUCTS Nurul Fadilah Aswar
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 8 (2025): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
Publisher : Adisam Publisher

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

Abstract

This study aims to analyze the influence of Country of Origin (COO) on Price and Purchase Decisions, both directly and indirectly, with Price as a mediating variable, focusing on Xiaomi products. The findings reveal that consumer perceptions of a product's country of origin significantly influence their evaluation of price. However, perceptions of the country of origin do not directly impact purchase decisions, as consumers prioritize product quality and features. Price emerges as the primary determinant of purchase decisions, with competitive pricing aligned with quality driving consumer purchases. Additionally, perceptions of the country of origin indirectly influence purchase decisions through price. This research provides strategic insights for Xiaomi to manage brand image, optimize pricing strategies, and enhance competitiveness in the global market.
ANALYSIS OF INTEGRATION STRATEGIES IN IMPROVING MARKETING PERFORMANCE STUDY ON FOOD AND BEVERAGE DISTRIBUTORS IN MAKASSAR CITY Nurul Fadilah Aswar; Hasmyati, Nur Indah Atifah Anwar, Ilham Aksir
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 3 (2024): BORJUIS: JOURNAL OF ECONOMY
Publisher : Adisam Publisher

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Abstract

Increasingly fierce business competition in marketing, companies must work hard to implement various marketing strategies to win the competition. One of the strategies used is to build an integration strategy, where all the company's strengths are synergized to improve marketing performance. This study aims to analyze the factors associated with integration strategies, such as the level of trust, dependencies, and flexibility that have an influence on the company's marketing performance. The study also involved intervening variables, namely flexibility and trust, as a link between these factors and marketing performance. The data analysis method used is Structural Equation Modeling (SEM), with a sample of 100 food and beverage companies in Makassar. The results showed that the level of trust, dependencies, and flexibility significantly affect marketing performance through intervening variables, namely Trust and flexibility. Managerial implications that can be suggested from this study is the importance of building mutually beneficial cooperation between companies, by maintaining a level of trust, flexibility, and the existence of a balanced dependency.
THE ROLE OF CUSTOMER SATISFACTION AS A MEDIATOR IN THE EFFECT OF RELATIONAL MARKETING PRACTICES ON CUSTOMER RETENTION: A CASE STUDY ON XL HOME CUSTOMERS IN MAKASSAR Nurul Fadilah Aswar
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 5 (2025): MAY
Publisher : CV. Adiba Aisha Amira

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Abstract

This study aims to examine the relationship between customer retention, customer satisfaction, and relational marketing practices in XL Home users in Makassar who have used the service for at least one year. Purposive sampling method is used to select 100 respondents who meet these criteria. The data collected were analyzed using Structural Equation Model (SEM) with SMART PLS program. The results showed that customer satisfaction has a significant effect on customer retention. So is the practice of relational marketing, which also has a significant influence on customer retention and customer satisfaction. In addition, there are indirect effects of relational marketing practices on customer retention mediated by customer satisfaction.
THE EFFECT OF MARKET ORIENTATION ON THE MARKETING PERFORMANCE OF MSMES WITH SUPPLY CHAIN MANAGEMENT STRATEGIES AS A MEDIATION VARIABLE (STUDY ON MSMES IN MAKASSAR CITY) Nurul Fadilah Aswar; Hasmyati; Nur Indah Atifah Anwar
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 5 (2025): MAY
Publisher : CV. Adiba Aisha Amira

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Abstract

This study aims to evaluate the application of market orientation to marketing performance, taking into account the SCM strategy as an intervening variable in small and Medium Enterprises (SMEs) in Makassar. Data collection was conducted by distributing questionnaires of 70 copies to managers or owners of SMEs in Makassar. The collected Data were analyzed using structural Equation Model (SEM) analysis method using Smart Pls program. The results found several significant things, namely: 1) there is a significant positive influence between market orientation and marketing performance. 2) there is a significant positive influence between market orientation and SCM strategy. 3) there is a significant positive influence between SCM strategy and market performance. 4) there is a positive and significant influence between market orientation and marketing performance of the company through the practice of SCM on SMEs in the city of Makassar.
GAMIFICATION EXPERIENCE AND ITS IMPACT ON ONLINE PURCHASE INTENTION ON TIKTOK SHOP Aswar, Nurul Fadilah
Jurnal Manajemen Vol 6, No 1 (2026): February
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jm.v6i1.81334

Abstract

Abstract: The rapid advancement of digital technology has driven significant growth in e-commerce in Indonesia, including the increasing use of gamification across various online shopping platforms. TikTok, as one of the fastest-growing platforms, has integrated gamification features to elevate user interaction and encourage purchasing behavior. This study aims to examine the influence of autonomy, rewards, and absorption on enjoyment, as well as the effect of enjoyment on online purchase intention among TikTok Shop users in Makassar City. A descriptive quantitative approach was employed, with data collected through questionnaires administered to 168 respondents aged 18–35 who shop on TikTok and engage with its gamification features. The analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) through SmartPLS 4.0. The findings indicate that all gamification variables—autonomy, rewards, and absorption—positively and significantly influence enjoyment. Furthermore, enjoyment has a positive and significant effect on online purchase intention. These results highlight that the enjoyable experience generated by gamification features serves as a key factor in strengthening consumers’ purchase intentions on TikTok Shop. The study recommends enhancing the design of gamification elements to be more interactive and motivating in order to improve user engagement and potentially increase purchase transactions.Keywords: Gamification, Autonomy, Rewards, Absorption, Enjoyment, Online Purchace Intention, TikTok
ANALYSIS OF DIGITAL MARKETING STRATEGY IMPLEMENTATION USING THE SOSTAC MODEL APPROACH AT MAKASSAR STATE UNIVERSITY Burhanuddin, Burhanuddin; Aswar, Nurul Fadilah; Putra, Muh. Al Fatah Arief
Jurnal Manajemen Vol 6, No 1 (2026): February
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jm.v6i1.76397

Abstract

Abstract: This study analyzes the implementation of Makassar State University's (UNM) digital marketing strategy using the SOSTAC Model approach, which encompasses six strategic elements: Situation, Objectives, Strategy, Tactics, Action, and Control. Using a descriptive qualitative approach and triangulation methods, data were collected through in-depth interviews, observations of UNM's official digital channels, and documentation studies of promotional activities. The results indicate that UNM has an adequate digital infrastructure, but still faces challenges in terms of content relevance, low engagement, and a communication style that is not aligned with the characteristics of Generation Z. A SWOT analysis shows the potential for strengthening the institution's image through digital storytelling, the use of TikTok, and campus community involvement. Strategic recommendations include adopting the 5S framework and the 7P marketing mix, strengthening the KPI-based monitoring system, and establishing a responsive and adaptive digital team. This study emphasizes the importance of structured and data-driven digital marketing planning in improving the competitiveness and positioning of higher education institutions in the era of digital transformation, especially in recruiting prospective students.Keywords: Digital Marketing, SOSTAC, College, Communication Strategy, Generation Z
Linking Digital Literacy to Workforce Development and Macroeconomic Growth Aswar, Nurul Fadilah
Economics and Business Journal (ECBIS) Vol. 4 No. 3 (2026): March
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i3.300

Abstract

This study examines the linkage between digital literacy, workforce development, and macroeconomic growth in the context of an increasingly digitalized economy. Moving beyond descriptive approaches, it investigates how digital competencies function as a critical mechanism shaping labor productivity, innovation capacity, and economic performance. Using cross-sectoral data and workforce survey evidence, the study analyzes the extent to which digital skills contribute to workforce adaptability and organizational efficiency. The findings reveal that higher levels of digital literacy significantly enhance workforce development by improving skill alignment, fostering innovation, and increasing competitiveness across industries. At the macro level, these improvements translate into measurable contributions to economic growth through productivity gains and structural transformation. Furthermore, the study underscores the importance of multi-stakeholder collaboration among educational institutions, industry, and government in designing integrated digital literacy programs. Such coordinated efforts are essential to ensure sustainable skill development and long-term economic resilience. This research contributes to the literature by providing an integrated perspective that explicitly links digital literacy to both workforce development and macroeconomic outcomes, offering practical implications for policymakers and stakeholders in shaping inclusive and sustainable growth strategies.
Pengaruh Beban Kerja Sosial Terhadap Semangat Kerja Melalui Motivasi Kerja Sebagai Variabel Intervening (Studi Pada SMK Kristen Tagari Rantepao) Windasari Pakidi; Kurniawan, Agung Widhi; Aswar, Nurul Fadilah
Journal of Citizenship Volume 5 Issue 1, 2026
Publisher : HK Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/joc.v5i1.687

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh beban kerja terhadap semangat kerja pegawai melalui motivasi kerja sebagai variabel intervening (studi pada SMK Kristen Tagari Rantepao). Jenis penelitian yang digunakan adalah kuantitatif dengan pendekatan eksplanatif. Populasi dalam penelitian ini terdiri dari 94 pegawai, sedangkan sampel yang diambil sebanyak 77 pegawai menggunakan teknik random sampling dengan Rumus Slovin. Pengumpulan data dilakukan melalui kuesioner, kemudian dianalisis menggunakan Structural Equation Model- Partial Least Square (SEM-PLS) dengan aplikasi Smart-PLS versi 4.0. Hasil penelitian ini menunjukkan bahwa (1) Beban kerja berpengaruh positif dan sifnifikan terhadap semangat kerja, (2) Beban kerja berpengaruh positif dan signifikan terhadap motivasi kerja, (3) Motivasi kerja berpengaruh positif dan signifikan terhadap semangat kerja, (4) Motivasi kerja berpengaruh positif dan signifikan dalam memediasi antara beban kerja dan semangat kerja pegawai pada SMK Kristen Tagari Rantepao
Co-Authors A. Nur Azilah Abadi, Rahmat Riwayat Abdi Akbar Idris Achmad Ridha Achmad Yassin Zidan Akram Aslam Achmad Yassin Zidan Akram Aslam Adela Ayu Badiaturahmi Adli Pasha Ashari Ady Andardinata Agung Widhi Kurniawan Ahmad Farhan Ahmad Farhan, Ahmad Akbar Yusuf Aksir, Muh Ilham Aksir, Muh. Ilham Al Anshori N, Muh Fadhil Alam, Andi Rifqah Purnama Alim, Bahrul Amelia Christina Pairunan Andi Atssam Mappanyukki Andi Citra Pratiwi Andi Citra Pratiwi Andi Mustika Amin Andi Shinta Ria Oktaviani Andika Isma Angreyani, Andi Dewi Annisa Paramaswary Annisa Paramaswary Aslam Annisa Paramaswaty Aslam Antika, Wayan Rindi Anwar , Anwar Anwar Anwar Anwar Ramli Anwar Ramli Arfandi Akkase Asisa Nurfadila Rasyid Aslam, Annisa Paramaswary Asri Awal Atifah Anwar, Nur Indah Awal, Asri Ayu Kartini Parawansa Azzahra, Asilah Balo, Maulana Rumi Irwan Burhanuddin Burhanuddin , Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Chalid Imran Musa Chalid Imran Musa Deddy Ibrahim Rauf Dipoatmodjo, Tenri S.P. Dwi Anugerah Lestari Dwi Anugerah Lestari Musa Fahira Kamilia Salsabila Faslul Rahman Fauziah Umar, Fauziah Haeril Haeruddin , M. Ilham Wardhana Haeruddin, Ilham Wardhana Haeruddin, M. Ilham Wardhana Haeruddin, Muh. Ilham Wardhana Hanafi, Suriah Hardiyono Hartina Rosalia Hartina Rosalia Hasbiah, Siti Hasbiah, Sitti Hasmawaty Hasmawaty Hasmyati Hasmyati Hasmyati, Hasmyati Hasmyati, Nur Indah Atifah Anwar, Ilham Aksir Hasyim hasyim, hasyim Hawadi, Muhammad Taufik Hery Maulana Arif Hety Budiyanti Hidir, Amrullah Ichwan Musa Ifah Finatry Latiep Ikadarny Ilham Aksir, Asri Awal Ilham Wardhana Haeruddin Ilma Wulansari Hasdiansa Indriani Irma Satriani Irma Satriani Irma Satriani, Irma Isma Azis Riu Jauhar, Muh. Alif Juliyati Kartika Septiary Pratiwi Khaidir Syahrul Khaidir Syahrul M. Ikhwan Maulana Haeruddin Matthew Olufemi Adio Maulana Rumi Irwan Balo Muh. Ilham Aksir Muh. Yushar Mustafa Muh. Yusuf Kholiq M Muh.Ilham Aksir Muhammad Ardiansyah Muhammad Ilham Alimuddin Muhammad Isbar Pratama Muhammad Kadafi Burhanuddin Muhammad Said Muhammad Try Dharsana Muhammad Vicky Afrezkia Saleh Muhammad Yushar Mustafa Muhammad, A Fadel Musa, Muhammad Ichwan Mustafa, Fahrina Mustafa, Riad Natsir, Uhud Darmawan Nur Indah Atifah Anwar Nurfadillah Nurfadillah Nurgraha SD, Widhi Nurhaedah Nurman Nurman Nurman Parawansa, Jalaluddin Mannagalli Putra, Muh Al Fatah Arief Putra, Muh. Al Fatah Arief Putri Ramadhani, Putri Putri, Tri Reskita Putri, Zaskiyah Ameliah Raden Mohamad Herdian Bhakti Radjab, Irsan Rauf, Deddy Ibrahim Renggi Karendra Rezky Amalia Hamka Rezky Amalia Hamka Ricardo Valentino Latuheru Ridfan Rifadly Abadi Ridwan Andi Mattoliang Risna Kamisanti Rizkullah, Rifki Rif'at Romansyah Sahabuddin Rosalia, Harnita Rostina Ruma, Zainal Ryan Wahyudi Ramli Safariani R, Nur Sah, Nurul Alfadiza Saleh, Reyna Eka Saputri Salsabila Nuarindah Ramli Sari, Risa Arsita Shafariana Shafariana Siti Hasbiah Sitti Hasbiah Sitti Hasbiah Sitti Hasbiah Suaib, Aulia Kasmawati Sudirman, Akbar Suparman Suparman Syahrani Amni Syahrul, Khaidir Syamsidar Syamsidar Syarif Saddam Rivanie Tenri Sayu Puspitaningsih Dipoatmodjo Uhud Darmawan Natsir Wahyudi, Andi Muh Fadhil Windasari Pakidi Windi Dwi Astuti Wulansary, Ilma Zahratul Afiqah Zainal Ruma