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All Journal YUME : Journal of Management International Journal of Economics, Business and Accounting Research (IJEBAR) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Journal of Artificial Intelligence and Digital Business West Science Business and Management Widya Cipta : Jurnal Sekretari dan Manajemen Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Mustaruddin Mustaruddin
Universitas Tanjungpura
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Health Professions Social Sciences

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Peran Literasi Keuangan, Digital Financial Behavior, Dan Hedonic Lifestyle Terhadap Financial Well-Being Gen-Z: Moderasi Peer Influence (Studi Kasus Pada Generasi Z di Kalimantan Barat) Astrid Oviska; Juniwati Juniwati; Helma Malini; Mustaruddin Mustaruddin; Uray Ndaru Mustika
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.9099

Abstract

Penelitian ini bertujuan untuk menganalisis peran Literasi Keuangan, Digital Financial Behavior, dan Hedonic Lifestyle terhadap Financial Well-Being Generasi Z di Kalimantan Barat dengan Peer Influence sebagai variabel moderasi. Penelitian ini dilatarbelakangi oleh meningkatnya penggunaan teknologi digital dan perubahan pola konsumsi pada Generasi Z yang memengaruhi perilaku keuangan serta tingkat kesejahteraan finansial mereka. Generasi Z sebagai generasi yang tumbuh di era digital memiliki karakteristik yang dekat dengan teknologi finansial, transaksi digital, serta gaya hidup modern yang cenderung konsumtif. Oleh karena itu, penting untuk memahami faktor-faktor yang memengaruhi Financial Well-Being agar dapat menjadi dasar dalam meningkatkan kualitas pengelolaan keuangan generasi muda. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan jumlah sampel sebanyak 250 responden yang dipilih menggunakan teknik purposive sampling. Data penelitian dikumpulkan melalui penyebaran kuesioner online kepada Generasi Z di Kalimantan Barat dan dianalisis menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) dengan bantuan software SmartPLS 4. Hasil penelitian menunjukkan bahwa Literasi Keuangan dan Digital Financial Behavior berpengaruh positif dan signifikan terhadap Financial Well-Being. Sementara itu, Hedonic Lifestyle tidak berpengaruh signifikan terhadap Financial Well-Being. Selain itu, Peer Influence tidak mampu memoderasi hubungan Literasi Keuangan dan Digital Financial Behavior terhadap Financial Well-Being, namun mampu memperkuat hubungan Hedonic Lifestyle terhadap Financial Well-Being. Penelitian ini memberikan implikasi bahwa peningkatan kesejahteraan finansial Generasi Z lebih dipengaruhi oleh faktor internal, seperti pengetahuan dan perilaku keuangan yang baik, sedangkan pengaruh sosial lebih berperan dalam memperkuat gaya hidup konsumtif.
Green Finance, Capital Structure, and Firm Value: The Mediation Role of Sustainability Disclosure in Indonesia Sukma Febrianti; Mustaruddin Mustaruddin; Wendy Wendy
Al Qodiri : Jurnal Pendidikan, Sosial dan Keagamaan Vol. 24 No. 1 (2026): Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Publisher : Universitas Islam KH. Achmad Muzakki Syah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/alqodiri.v24i1.30

Abstract

  ABSTRACT Background of study: The growing global concern regarding environmental sustainability has encouraged companies to integrate sustainable finance and transparency practices into corporate strategies. Green Finance and Sustainability Disclosure have become important instruments in supporting long-term corporate value creation. Aims and scope of paper: This study aims to examine the effect of Green Finance and Capital Structure on Firm Value with Sustainability Disclosure acting as a mediating variable. The research focuses on understanding how sustainable financial practices contribute to corporate valuation. Methods: This study aims to examine the effect of Green Finance and Capital Structure on Firm Value with Sustainability Disclosure acting as a mediating variable. The research focuses on understanding how sustainable financial practices contribute to corporate valuation. Result: The findings indicate that Green Finance has a positive and significant effect on Firm Value and Sustainability Disclosure. Capital Structure does not directly influence Firm Value but significantly affects Sustainability Disclosure. Furthermore, Sustainability Disclosure partially mediates the relationship between Green Finance and Firm Value. Conclusion: The results suggest that Green Finance enhances Firm Value both directly and indirectly through improved Sustainability Disclosure. Integrating sustainable financing with transparent sustainability reporting is essential for strengthening investor confidence and supporting long-term corporate performance.  
Mapping Thriving at Work Research: An Integrative Systematic Review Eliyana Eliyana; Titik Rosnani; Nur Afifah; Mustaruddin Mustaruddin
West Science Business and Management Vol. 4 No. 02 (2026): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v4i02.2912

Abstract

Thriving at work has become an increasingly important topic in organizational behavior and human resource management due to its role in promoting employee wellbeing, learning, and sustainable performance. This study aims to systematically review the development of thriving at work research across sectors and countries by identifying its dominant theoretical foundations, key antecedents, outcomes, and emerging research trends. A Systematic Literature Review approach was employed following the Preferred Reporting Items for Systematic Reviews and Meta Analyses guidelines. Fifty peer reviewed articles published between 2020 and 2025 were selected and analyzed. The findings reveal that thriving at work is primarily influenced by supportive leadership, job resources, organizational support, and psychological capital. Furthermore, thriving contributes positively to employee performance, innovation, work engagement, well-being, and career sustainability. The review also indicates that existing studies are dominated by quantitative and cross-sectional designs, with limited attention to longitudinal, cross cultural, and digital workplace contexts. This study contributes by providing an integrated understanding of thriving at work and highlighting future research directions in contemporary and technology driven work environments.
The Influence of Perceived Usefulness and Cashback Reward Program Mediated by E-wallet Engagement on E-wallet User Satisfaction Nurmalasari Nurmalasari; Nur Afifah; Mustaruddin Mustaruddin
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 2 (2025): September
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i2.11525

Abstract

The rapid growth of digital payment systems makes e-wallets increasingly important in the financial technology sector. This study examines the effect of perceived usefulness and cashback reward programs on e-wallet user satisfaction, with e-wallet involvement as a mediating variable. The data collection techniques are observation of how users interact with e-wallet applications through usage analysis and monitoring of how often transactions are made, interviews with the aim of gaining in-depth insight into user experience and literature studies by collecting journals, articles related to this study. The data analysis uses the Structural Equation Modeling with Partial Least Squares (SEM-PLS) approach with SmartPLS 3.0, software following a two-stage approach: measurement model evaluation (outer model) and structural model evaluation (inner model). The measurement model assessment included convergent validity, discriminant validity, and reliability tests. The structural model evaluation examined path coefficients, significance levels, R-square values, and effect sizes.with data collected from 300 e-wallet users through purposive sampling.The population consisted of e-wallet users in Indonesia, with the sample selected using purposive sampling technique. The inclusion criteria required respondents to have used e-wallet applications for at least three months. The results indicate that perceived usefulness (β=0.137, p<0.05) and cashback reward programs (β=0.236, p<0.001) significantly influence e-wallet engagement. E-wallet engagement significantly affects user satisfaction (β=0.287, p<0.001), and perceived usefulness directly influences satisfaction (β=0.362, p<0.001). The mediation analysis reveals that e-wallet engagement partially mediates the relationship between both independent variables and user satisfaction. The findings suggest that e-wallet providers should focus on enhancing perceived usefulness and designing attractive reward programs while maintaining high user engagement to drive satisfaction.
Circular Economy Product: Pengaruh Perceived Quality dan Environmental Awareness terhadap Repurchase Intention melalui Customer Satisfaction (Case of Furniture) Theo Andriano; Mustaruddin Mustaruddin; Heriyadi Heriyadi; Juniwati Juniwati; Bintoro Bagus Purmono
YUME : Journal of Management Vol 9, No 1
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yume.v9i1.11335

Abstract

Peningkatan limbah plastik mendorong industri furnitur menerapkan prinsip circular economy melalui pemanfaatan material daur ulang, seperti yang dilakukan oleh Olymplast. Namun, persepsi konsumen terhadap kualitas produk daur ulang dan tingkat kesadaran lingkungan masih menjadi faktor penting dalam membentuk niat pembelian ulang. Penelitian ini bertujuan menganalisis pengaruh Perceived Quality of Recycled Products dan Environmental Awareness terhadap Repurchase Intention dengan Customer Satisfaction sebagai variabel mediasi pada konsumen furnitur plastik daur ulang Olymplast di Indonesia. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 150 responden dan dianalisis menggunakan PLS-SEM melalui SmartPLS 4.0. Hasil penelitian menunjukkan bahwa Perceived Quality of Recycled Products dan Environmental Awareness berpengaruh positif dan signifikan terhadap Customer Satisfaction dan Repurchase Intention. Namun, Customer Satisfaction tidak berpengaruh signifikan secara langsung terhadap Repurchase Intention. Meskipun demikian, Customer Satisfaction terbukti berperan signifikan sebagai variabel mediasi. Temuan ini menegaskan bahwa persepsi kualitas dan kesadaran lingkungan merupakan faktor kunci dalam mendorong niat pembelian ulang produk furnitur berbasis circular economy.
ESG DISCLOSURE, KEPUTUSAN INVESTASI, DAN KEPUTUSAN PENDANAAN TERHADAP NILAI PERUSAHAAN: PERAN MODERASI CASH HOLDING Tino Sumarno; Helma Malini; Anggraini Syahputri; Mustaruddin Mustaruddin; Anwar Azazi
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No specialissue (2026): Vol. 10, Special Issue, 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10ispecialissue.19449

Abstract

This study examines the effect of ESG disclosure, investment decisions, and financing decisions on firm value, with cash holdings acting as a moderating variable in the food and beverage subsector listed on the Indonesia Stock Exchange. Grounded in signaling and agency theory, the research aims to provide empirical evidence on how strategic financial and sustainability-related decisions influence market valuation. The study employs a quantitative approach using panel data regression based on 132 firm-year observations from 33 companies during the 2021–2024 period. Model estimation was conducted using the Fixed Effect Model following specification tests, while moderating effects were analyzed through interaction terms. The findings indicate that ESG disclosure and investment decisions proxied by capital expenditure have a positive and significant impact on firm value, whereas financing decisions measured by long-term debt do not exhibit a significant effect. Furthermore, cash holdings do not moderate the relationship between ESG disclosure and investment decisions with firm value; however, they significantly weaken the effect of financing decisions on firm value, suggesting the presence of financial inefficiency when liquidity is excessive. These results highlight the importance of sustainability transparency and capital allocation strategies in enhancing firm valuation while emphasizing the contextual role of liquidity management in corporate financing outcomes.
Navigating Sustainable Fashion: The Impact of Social Media Marketing on Purchase Intention Through Brand Engagement and Brand Image in UNIQLO’s RE.UNIQLO Recycled Fashion in Indonesia Veneranda Baby Viola Tio; Mustaruddin Mustaruddin; Ana Fitriana; Erna Listiana; Ahmadi Ahmadi
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 3 (2026): Juni 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i3.6667

Abstract

Effective marketing strategies are important to promote sustainable fashion due to increasing environmental awareness beyond Indonesians’ customers. This research using quantitative approach by structured questionnaire, non-probability sampling were used, which were purposive sampling, with the following criteria of who aged above 17 years old, Indonesian citizens, ever heard or saw about UNIQLO’s RE.UNIQLO program from UNIQLO’s social media platform (Instagram). This research is expecting to finds the effective strategies for UNIQLO and other industries that related by identified the effective Social Media Marketing strategies which could increase Brand Engagement and Brand Image to increase customers’ Purchase Intention on UNIQLO’s RE.UNIQLO recycled fashion products in Indonesia. This research found that Social Media Marketing significantly enhances Brand Engagement, Brand Image, and Purchase Intention, whereas Brand Engagement serving as a strong positive mediators, while Brand Image shows a negative effects due to the factors like price sensitivity and low awareness of sustainable fashion. Therefore, UNIQLO still should intensively advertising RE.UNIQLO recycled fashion across platforms, while stakeholders fund training and nationwide recycling campaigns. Lastly, further research ought to examine diverse variables in-terms of enhance the actual buyers on sustainable fashion products.  
Co-Authors Ahmadi Ahmadi Ana Fitriana Anggraini Syahputri Anwar Azazi Astrid Oviska Bintoro Bagus Purmono Eliyana Eliyana Erna Listiana Helma Malini Heriyadi Heriyadi Juniwati Juniwati Nur Afifah Nurmalasari Nurmalasari Sukma Febrianti Theo Andriano Tino Sumarno Titik Rosnani Uray Ndaru Mustika Veneranda Baby Viola Tio Wendy