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All Journal Jurnal Ilmiah Econosains Jurnal Pemberdayaan Masyarakat Madani (JPMM) JURNAL DINAMIKA MANAJEMEN DAN BISNIS Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syntax Literate: Jurnal Ilmiah Indonesia JRMSI - Jurnal Riset Manajemen Sains Indonesia GEMA EKONOMI JAE (Jurnal Akuntansi dan Ekonomi) Journal of Management and Leadership Jurnal Karinov Journal of Economics, Business, and Government Challenges Devotion: Journal of Research and Community Service Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF) Berajah Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Indonesian Collaboration Journal of Community Services (ICJCS) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Nautical: Jurnal Ilmiah Multidisiplin Indonesia Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Jurnal Riset Pendidikan dan Pengajaran (JRPP) Journal of Comprehensive Science Jurnal Manajemen Bisnis Kewirausahaan Golden Ratio of Data in Summary Jurnal Media Administrasi KOLONI Eduvest - Journal of Universal Studies JURNAL EKONOMI BISNIS DAN MANAJEMEN West Science Journal Economic and Entrepreneurship International Journal of Economics, Management and Accounting Riset Ilmu Manajemen Bisnis dan Akuntansi Jurnal Bisnis, Manajemen, dan Keuangan Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Cendikia: Jurnal Pendidikan dan Pengajaran Jurnal Ekonomi Bisnis dan Manajemen International Journal of Educational and Life Sciences (IJELS) Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Journal of Innovative and Creativity Jurnal Manajemen Bisnis Era Digital Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI PENG: Jurnal Ekonomi dan Manajemen Bina Bangsa International Journal of Business and Management Jurnal Riset Multidisiplin Edukasi Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab LANCAH Jurnal Inovasi dan Tren Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Perspektif Administrasi Publik dan hukum Jurnal Ilmu Sosial dan Humaniora Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Journal of Digital Business and Global Economy Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis E-Jurnal Manajemen Journal of Strategic Innovation in Economics and Business
Osly Usman
Universitas Negeri Jakarta
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Public Health Social Sciences Other

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The Influence of the Utilization of QRIS and Digital Marketing Strategies on Purchase Decisions through Consumer Satisfaction in MSMEs at the State University of Jakarta Yeni Hesti Verawati Manurung; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.15

Abstract

This study aims to analyze the effect of QRIS utilization and digital marketing strategies on purchase decisions, mediated by consumer satisfaction, among students of the State University of Jakarta who have made purchases at MSMEs. This research employs a quantitative approach using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with SmartPLS, involving 85 student respondents. The results indicate that QRIS utilization has a positive and significant effect on consumer satisfaction and purchase decisions (H1 and H3), while digital marketing strategies also positively influence consumer satisfaction and purchase decisions (H2 and H4). Furthermore, consumer satisfaction is proven to have a positive and significant effect on purchase decisions (H5) and mediates the relationship between QRIS utilization and purchase decisions, as well as between digital marketing strategies and purchase decisions.
Faktor Faktor yang Memengaruhi Use Behavior Pengguna Fintech Crowdfunding Melalui Behavioral Intention Ismail, Shuja Azmi; Parlyna, Ryna; Usman, Osly
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6884qj34

Abstract

The development of Fintech Crowdfunding in Indonesia has made it easier for people to conduct donations and social financing activities digitally. However, the level of continued use is still influenced by various psychological, social, and technological factors, especially among Generation Z as the largest digital user group. This study aims to analyze the influence of performance expectations, effort expectations, social influence, facilitating conditions, perceived risk, perceived trust, and hedonic motivation on behavioral intentions and their impact on the usage behavior of fintech crowdfunding users, with behavioral intentions as a mediating variable, on the Kitabisa platform. This study uses a quantitative approach with a survey method through a questionnaire to Generation Z users who have used the Kitabisa platform. The data analysis technique uses Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test the direct and indirect relationships between variables. The results show that performance expectations, effort expectations, social influence, facilitating conditions, perceived trust, and hedonic motivation have a positive effect on behavioral intentions, while perceived risk has a negative effect on behavioral intentions. Furthermore, behavioral intentions are proven to have a positive and significant effect on usage behavior. The results of the mediation test indicate that behavioral intention is able to mediate the influence of all independent variables on usage behavior, both fully and partially. This finding suggests that fintech crowdfunding usage behavior is influenced not only by technological factors, but also by trust, risk perception, and user emotional motivation. Therefore, improving system quality, transparency, security, and user emotional experience are important factors in driving the desire to use fintech crowdfunding platforms.
Pengaruh NPM, EPS, PBV, DER Terhadap Nilai Saham Bank BUMN Indonesia yang Tercatat di BEI Dengan DPR (Dividend Payout Ratio) menjadi Variabel Intervening (Studi Kasus Bank BUMN di Indonesia Periode 2021-2023) Hindra Yani; Osly Usman; Farlian Oktora Pramudia
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.987

Abstract

Studi ini diarahkan untuk melihat margin laba bersih (NPM), hasil per saham (EPS), rasio utang (DER), dan kisaran harga saham (PBV) untuk periode 2021-2023. Kami mengejar hubungan tidak langsung antar variabel. Studi ini menggunakan pendekatan kuantitatif yang mencakup analisis deskriptif, tes asumsi klasik, regresi linier berganda dan analisis jalur sebagai metode analisis.data. Sampel terdiri dari empat bank besar yaitu Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Mandiri dan Bank Tabungan Negara (BTN). Hasil menunjukkan bahwa EPS dan variabel memiliki efek yang signifikan pada DPR dan tidak ada efek signifikan pada variabel NPM dan PBV. Semua variabel independen dan mediasi tidak secara langsung memengaruhi harga saham. Namun, model keseluruhan memiliki kinerja penjelas yang tinggi dengan koefisien penentuan 87,3% (r² = 0,873). Hasil analisis jalur menunjukkan bahwa efek tidak langsung pada EPS dan harga saham memiliki DPR dan memiliki dampak negatif terbesar. Penilaian keseluruhan ini memperkuat pemahaman bahwa aspek kinerja keuangan dan pedoman dividen adalah faktor penting dalam membentuk nilai saham perusahaan.
Analisis Dampak Roa, Roe & Npm Terhadap Nilai Saham Perbankan Negara (Bumn) Tercatat Pada Bei (Bursa Efek Indonesia) Dengan Ratio Eps Yang Merupakan Variabel Intervening (Studi Kasus Perbankan Negara (BUMN) di BEI Jangka Waktu 2021-2023) Imam Argianto; Osly Usman; Umar Hasan
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.988

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana Return on Equity (ROE), Return on Assets (ROA), dan Net Profit Margin (NPM) memengaruhi harga saham bank-bank milik negara yang tercatat di Bursa Efek Indonesia (BEI) antara tahun 2021 dan 2023. Variabel interveningpenelitian ini adalah laba per saham, atau EPS. Metode analisis yang digunakan adalah analisis jalur, yang didukung oleh regresi linier berganda, pengujian hipotesis, dan uji asumsi tradisional. Temuan penelitian menunjukkan bahwa, baik secara langsung maupun tidak langsung, laba per saham (EPS) memiliki sedikit dampak pada harga saham. Namun, harga saham dipengaruhi secara signifikan oleh ROA. Selain itu, ROE dan NPM tidak secara langsung memengaruhi harga perusahaan melalui laba per saham (EPS). Lebih buruk lagi, EPS, ROA, ROE, dan NPM semuanya menunjukkan dampak yang signifikan pada saat yang bersamaan. Karena telah dibuktikan bahwa semua rasio ini bekerja sama untuk menaikkan harga saham perusahaan, disarankan agar rasio ROA, ROE, NPM, dan EPS ditingkatkan lebih lanjut mengingat penemuan ini. Meskipun demikian, sebagai langkah yang diperhitungkan untuk meningkatkan nilai saham, manajemen bank milik negara dapat lebih fokus pada peningkatan ROA.
Positive Attitude of Users in Mediating the Impact of Perceived Benefits and Convenience on the Interest in Using QRIS Regularly in Daily Life Prima, Resti; Suryadi, S.; Usman, Osly
Golden Ratio of Data in Summary Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i2.1410

Abstract

Digital transformation in the financial sector encourages the use of payment systems rather than cash methods, such as QRIS (Quick Response Code Indonesian Standard). However, behavioral intentions to use QRIS routinely still face challenges, particularly regarding user perceptions and attitudes. This study aims to analyze the influence of perceived usefulness and perceived ease of use of QRIS (perceived ease of use) on the intention to use QRIS regularly (behavioral intention to use), with a positive attitude toward QRIS's benefits and ease (attitude toward using) as a mediating variable. A quantitative approach was used through a survey of 160 respondents who lived in one of the apartments in Tebet, South Jakarta, who were actively using QRIS. The analysis was carried out using SmartPLS software version 4.1.1.2 with the Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis method. The results showed that the benefits obtained and the ease of use of QRIS had a significant effect on positive attitudes and intentions to use QRIS regularly, and that positive attitudes mediated the relationship between the two. These findings reinforce the relevance of the Technology Acceptance Model (TAM) for cashless payments in urban areas.
The Effect of Perceived Security and Perceived Ease of Use on Consumers’ Behavioral Intention Mediated by Trust in Digital Payment Users Jasmine Lamia Safira; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 2 No. 1 (2026): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.02.1.03

Abstract

A crucial part of the digital financial system in developing countries comes from the use of digital payments. This study looks at what makes customers choose to use digital payment platforms, and it uses the Technology Acceptance Model (TAM) to figure this out. This model focuses on how people's beliefs about how easy a technology is to use and how useful it is influence their decision to use it. This study sent an online survey to 104 people with experience using digital payments and collected data thru this method using a quantitative approach. To check the reliability and accuracy instruments utilized in this research, the data were assessed through SPSS. Regression analysis and the PROCESS macro were used to investigate direct and indirect effects. The findings indicate that how useful people perceive digital payment systems to be is strongly influenced by how easy they find them to use, which in turn makes them more likely to use them. All questions used in this study have strong results and good reliability, with Cronbach's Alpha scores meeting standards. This result supports the effectiveness of TAM in explaining why people accept digital payments. This finding also provides useful ideas for service providers to make their systems easier to use and encourage more people to adopt digital payment technologies.
Perception of Exclusive Content Value and Its Influence on Social Media Users’ Interest in Subscribing Atia Tiara Trisnawan; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 2 No. 1 (2026): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.02.1.05

Abstract

The growth of the creator economy has encouraged social media platforms to adopt subscription-based exclusive content as a monetization strategy. This study examines the influence of perceived exclusive content value and perceived price reasonableness on audience engagement level among social media users. Grounded in the Uses and Gratifications Theory (UGT) and the Theory of Planned Behavior (TPB), exclusive content value is conceptualized through social interaction and community, informative and content quality, status and hedonic value, and perceived price reasonableness. This research employed a quantitative explanatory approach using a survey of 128 social media users in Indonesia, analyzed through multiple linear regression with SPSS. The findings show that all examined variables positively and significantly influence audience engagement, with social interaction and community emerging as the most influential factor. These results highlight the importance of community building and fair pricing in sustaining audience engagement within the creator economy.
The Effect of Influencer Marketing Effectiveness on Purchase Intention of Skintific among Students of Universitas Negeri Jakarta Mohammad Akeyla Zedidiah; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 2 No. 1 (2026): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.02.1.06

Abstract

The purpose of this study is to examine how Universitas Negeri Jakarta students' purchase intentions for Skintific skincare products are impacted by the efficacy of influencer marketing. This study uses a survey method and a quantitative methodology. Multiple linear regression analysis was used to evaluate the data obtained from 108 respondents via an online questionnaire. The findings indicate that while trust in influencers has a favorable and significant impact on purchase intention, influencer consistency and attractiveness do not. At the same time, buy intention is greatly influenced by influencer consistency, attractiveness, and trust. According to the coefficient of determination, the independent factors account for 75.1% of purchase intention. These results imply that the most important component of influencer marketing tactics for skincare products aimed at college students is trust.
The Influence of User Experience and Interface Design Quality on User Satisfaction of FEB UNJ Students with Trust in the Shopee Platform Siti Nurlaela; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.16

Abstract

This research investigates the impact of User Experience and Interface Design Quality on User Satisfaction of FEB UNJ students, with Trust in the Shopee platform as a mediating variable. Data analysis in this research is executed through the SmartPLS application, applying Partial Least Squares-Structural Equation Modeling (PLS-SEM) within a quantitative design. The respondents consist of FEB UNJ students who are active Shopee users. The results indicate that User Experience and Interface Design Quality have a positive and significant effect on Trust. Furthermore, User Experience, Interface Design Quality, and Trust significantly influence User Satisfaction. Mediation analysis shows that Trust partially mediates the relationship between User Experience and User Satisfaction, as well as between Interface Design Quality and User Satisfaction. These findings highlight the strategic role of trust in strengthening the impact of digital interaction quality on user satisfaction. This study contributes to the literature on digital consumer behavior and provides practical implications for e-commerce platforms in improving service quality and user retention.
The Influence of UI/UX Design and Key Features on User Satisfaction and Loyalty of the Gojek Application among UNJ Students Muhammad Fathurrahman; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.17

Abstract

This study analyzes the causal influence of UI/UX Design and Key Features on User Satisfaction and the subsequent effect on User Loyalty within the Gojek application, specifically targeting university students. The research utilized a quantitative associative approach, employing Partial Least Squares-Structural Equation Modeling (PLS-SEM) on a purified model derived from a sample of 100 active students of Universitas Negeri Jakarta (UNJ) via purposive sampling. The findings reveal that both UI/UX Design and Key Features significantly and positively influence User Satisfaction, with Key Features emerging as the dominant predictor. However, despite the achievement of a strong level of User Satisfaction (R2 = 0.609), all causal paths leading to User Loyalty including the mediating path through Satisfaction were statistically rejected. Consequently, the study concludes that application quality has become a hygiene factor, effective in generating user contentment but insufficient as a driver for long-term commitment. This implies that future loyalty strategies must concentrate on external factors such as trust and switching costs.
Co-Authors Achmad Fauzi Adhar, Ranisya Refanka Adib, Sahal Afham Adnan Kasofi Adnan Kasofi Afidah Nur Aslamah Afif Khairi Agung Pangestu Agung Priambodo, Ervin Agung Wahyu Handaru Alamsyah, Muhammad Fikri Alika Khairunisa Ammar Shiddiq Yulianto Ananda Mochammad Rizky Anggriawan Oktobisono Annisa Lutfia Annisa Lutfia Ansar, Rudy Arga Pramesty, Desnita Aris Muhamad Syukur Ariyo Alinugroho Singgih Arum Nur Anggraini Atia Tiara Trisnawan Ayu Aprilia Azalia, Farah Cantika Aziz, Sumayyah Bicky Maulana budiantoro, Anandha Budisutiono, Clara Immanuella Christian Wiradendi Wolor Corry Yohana Darma Rika Swaramarinda, Darma Rika Devina Angistya Maharani Dewi Agustin Pratama Sari Dewi Susita Dhafin Syah, Muhammad Dhany Asmara Hidayat Diena Noviarini Diena Novirini Dinar Agus Sara Diya Aldin Fadeyushka Elilia Nindy Prastika Elilia Elsha Melinda Evitasari, Kirayna Fadhillah, Anindita Fadli, Ghifari Aminudin Farhan Taruna Farhan Taruna Farlian Oktora Pramudia Fathir Fairuzzi Faza Hibatul Haqqi Febi Ferdian Farhan Fikri Pirmansyah Firgiawan Akbar Ghea Agita Ghifari Aminudin Fad’li Hajar Mareti A Harits Ikbar Henry Eryanto HENRY ERYANTO, HENRY Herdian Akbar Hery Irawan Hery Widijanto Hindra Yani Husnul Khotimah Ika Febrilia Ikbar, Harits Imam Argianto Indriyana, Saoki Ismail, Shuja Azmi Jasmine Lamia Safira Jihan Alya Rahma Putri Irmawan Jonathan Halomoan Simanjuntak Kasofi, Adnan Kayla Diandra Alisya Krissanya, Nofriska Kusumaningtyas, Daru Putri Latip, Nadia Salsabila Levi, Daud Maeka, Lita Maharani, Melwanda Rieka Maharrizki, Alif Mardiana Saharani Mardta, Rendy Marsofiyati Marsofiyati Maulana Amirul Adha Mawardi, Ikhsan Meta Bara Berutu Mohammad Akeyla Zedidiah Monoarfa, Terrylina Arvinta Mufida Ahmad, Alfi Muhammad Fathi Farhan Muhammad Fathurrahman Muhammad Fawaiq, Muhammad Muhammad Ferry Hidayat Muhammad Iqbal Nurdwiratno Mulya, Rika Noviana Munawaroh Musyaffi, Ayatulloh Michael Nada, Shafwatun Nida Auliyah Ningsih, Rifa Silviaty Nirmala Fauziah Nofriska Krissanya Nopridawati Norjanah, Nika Fitri Nugroho, Dwi Alam Nurshinta, Nurshinta Oktobisono, Anggriawan Paquita, Shiva Silvia Ponco Dewi Karyaningsih Pratiwi, Viyonila Prihastomo, Galih Prima, Resti Purwana E.S., Dedi Puspa Nuraini Putri Putri Kusumaningtyas, Daru Putri Nabila Putri Wahyuningsih Putrianna Radja Rafi Aryawira Rafi, Narendra Pakala Rahmadghani, Taufiq Rahmi Rahmi Raihan Kamilun Amin Rangga Aksara, Frenda Riansyah, Raisan Agus Rida Prihatni Riswandi Riswandi Riyadi, Salsabila Annisa Riza Azzahra Rizki Firdausi Rachma Dania Rizky, Ananda Mochammad Robith Ali Zain Musyafa Roni Faslah Roni Faslah Rukmana, Amelda Elsa Ryna Parlina Ryna Parlyna Ryna Parlyna, Ryna Samsul Jamaludin, Muhamad Saparuddin Mukhtar Sari, Rindi Nurlaila Seilatu, Novan Yonatan Septamasurya, Rafli Setyawan, Muhammad Dimas Arbi Shandy Aditya Shandy Aditya, Shandy Siti Nurlaela Solly Aryza Suherman Suherman Sulastri, Tita Suparman, Ady Fahril Suparno Suparno Suryadi Suryadi Suryadi, S. Susan Febriantina SUSAN FEBRIANTINA, SUSAN Syaputri, Shyndy Syukur, Aris Muhamad Tasya Aqilah Teja Supraba Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Teuku Rio Febrian Alfa Risky Tri Hesti Utaminingtyas Tri Nada Nisrina Tri Nada Nisrina Ulfah Zulkarnain, Nadia Umar Hasan Umar Hasan Umi Widyastuti Umi Widyastuti Usep Suhud Vannisa Fahrani Vina Devi Yekti Irawan Vina Devi Yekti Irawan Vinia Auliya Wahyu Eka Pratiwi, Sovia Wardani, Cintya Kusuma Wibowo, Daniel Pungkas Prastia Widya Parimita, Widya Witanti Putri Anggreani Yeni Hesti Verawati Manurung Zaahidah, Asmaa Zillah, Isfanz Ainu Zulianto, Wahyu