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All Journal Jurnal Reviu Akuntansi dan Keuangan Dinamika Akuntansi Keuangan dan Perbankan JAAKFE UNTAN ( (Jurnal Audit Dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Serat Acitya Juara: Jurnal Riset Akuntansi JURNAL ILMIAH AKUNTANSI UNIVERSITAS PAMULANG Performance JABI (Jurnal Akuntansi Berkelanjutan Indonesia) Akuntoteknologi : Jurnal Ilmiah Akuntansi dan Teknologi Accounting Profession Journal (APAJI) JURNAL AKTUAL AKUNTANSI KEUANGAN BISNIS TERAPAN (AKUNBISNIS) Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Jurnal Bingkai Ekonomi (JBE) Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Jurnal Pengabdian Kepada Masyarakat Sisthana Jurnal Pustaka Aktiva : Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Valuta Jurnal Cakrawala Informasi (JCI) BanKu: Jurnal Perbankan dan Keuangan Jurnal Pengabdian Masyarakat Kesosi Jurnal Ilmiah Ekonomika & Sains IJBEM : Indonesian Journal of Business Economics and Management Jurnal Equilibrium Nusantara Jurnal Ilmiah Research and Development Student Indonesian Journal of Innovation Multidisipliner Research Journal of Management and Innovation Entrepreneurship (JMIE) Journal of Economics and Public Health Jurnal Keuangan dan Perbankan Syariah JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Indonesian Journal of Innovation Multidisipliner Research
Septian Yudha Kusuma
Politeknik Negeri Semarang
Religion Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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THE INFLUENCE OF LIFE STYLE, SOCIAL MEDIA, PROMOTIONS AND PRICE ON IMPLUSIVE BEHAVIOR BUYING OF GEN-Z SHOPEE USERS PAYLATER IN SEMARANG Avilla Rahma Maulana; Septian Yudha Kusuma; Nina Woelan Soebroto
Journal of Management and Innovation Entrepreneurship (JMIE) Vol. 3 No. 1 (2025): Oktober
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jmie.v3i1.2974

Abstract

This study aims to analyze the influence of lifestyle, social media, promotions, and price on the impulsive buying behavior of Gen-Z Shopee Paylater users in Semarang City. The research method used is a quantitative approach with a causal research design. The sample in this study consisted of 100 Gen-Z respondents who have used Shopee Paylater, selected using a purposive sampling technique. Data were collected through questionnaires distributed online and analyzed using multiple linear regression with SPSS version 26.0 for Windows. The results of the study show that lifestyle, social media, and promotions partially have a significant effect on impulsive buying behavior, while price does not have a significant effect. Simultaneously, these four variables influence impulsive buying behavior by 72.2%, while the remaining 27.8% is influenced by other variables not examined in this study. The conclusion of this research indicates that lifestyle, social media, and promotional factors are the main drivers of impulsive buying behavior among Gen-Z Shopee Paylater users, while price is not a determining factor in their impulsive purchasing decisions.
Analisis Faktor-Faktor yang Mempengaruhi Minat UMKM Mengajukan Kredit ULaMM pada PT Permodalan Nasional Madani (Persero) KCP Kendal Putri, Abillah; Kusuma, Septian Yudha; Kodir, Moch Abdul
Jurnal Bingkai Ekonomi (JBE) Vol 7 No 2 (2022): Jurnal Bingkai Ekonomi (JBE)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) - Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jbe.v7i2.223

Abstract

The purpose of this study was to determine the effect of interest rates, collateral or credit guarantees and credit procedures on the interest of MSMEs in applying for ULaMM credit at PT Permodalan Nasional Madani (Persero) KCP Kendal. The population in this study were all customers who took ULaMM credit at PT Permodalan Nasional Madani (Persero). The sampling technique used is purposive sampling as many as 90 respondents. The data taken in this study are primary data obtained through the distribution of questionnaires to the intended respondents. The analytical tools used in this study are multiple linear regression analysis, F test, determinant coefficient test (R²) and T test. Based on the test results in this study, the determinant coefficient test (R²) shows a value of 50.1%. The results of the hypothesis test conducted indicate that the interest rate and collateral or credit guarantees have a positive and significant effect on the interest of MSMEs in applying for ULaMM credit, while the credit procedure has an insignificant positive effect on the interest of MSMEs in applying for ULaMM loans.
Literasi Keuangan Digital Dan Kapabilitas Dalam Pengambilan Keputusan Keuangan Mahasiswa Kota Semarang Kusuma, Septian Yudha; Widyarti, Maria Theresia Heni; Rokhimah, Zulaika Putri; Hartono, Hartono; Handayani, Jati
Jurnal Bingkai Ekonomi (JBE) Vol 9 No 1 (2024): Januari 2024: Jurnal Bingkai Ekonomi (JBE) Januari 2024
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) - Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jbe.v9i1.328

Abstract

This research aims to analyze further the impact of digital financial literacy on financial decision-making and financial capability on financial decision-making, as well as analyse the mediating role of financial capability in the influence of digital financial literacy on financial decision-making. The sample obtained in this research was 251 respondents using simple random and snowball sampling techniques. The research results show that digital financial literacy has a significant positive effect on financial capabilities and financial capability. At the same time, financial capability is also proven to have a significant positive effect on financial decision-making. Finally, testing the mediating role of financial capability on the relationship between digital financial literacy and financial decision-making also proved to have a significant effect.
Pengaruh Customer relationship management dan Kualitas Pelayanan Terhadap Loyalitas Nasabah Dengan Kepuasan Sebagai Variabel Mediasi Salsabila, Khairunnisa Luthfi Nur; Handayani, Jati; Kusuma, Septian Yudha
JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Vol. 2 No. 2 (2024): October
Publisher : CV. Muris Global Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62421/jibema.v2i2.86

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Pengaruh Customer relationship management dan Kualitas Pelayanan Terhadap Loyalitas Nasabah Dengan Kepuasan Sebagai variabel Mediasi Pada Pengguna LINE Bank secara direct dan indirect. Data dikumpulkan melalui metode kuesioner terhadap 100 responden yang menjadi pengguna LINE Bank di Indonesia. Model analisis data menggunakan SEM-Partial Least Square. Sedangkan teknik analisis data meng­gu­na­kan Uji Collinearity (VIF), Uji Koefisien Determinasi (R-square), Uji Predictive Relevance (Q-square), Uji Model (f-square), Uji Goodnes of Fit, Uji Hipotesis dan Uji Mediasi. Hasil penelitian ini menunjukkan bahwa variabel Customer relationship management secara parsial mediasi berpengaruh signifikan terhadap loyalitas nasabah dengan kepuasan sebagai variabel mediasi. Sedangkan variabel kualitas pelayanan secara penuh memediasi berpengaruh signifikan terhadap loyalitas nasabah dengan kepuasan sebagai variabel mediasi.
Social Media and The Boycott Behavior of Indonesian Investors due to The Israeli-Palestinian Conflict: The Role of Hatred as a Mediator Kusuma, Septian Yudha; Wahyuni, Mirasanti; Makom, Maharani Rona; Widiarto, Ardian; Martia, Dina Yeni
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 14 No 2 (2025): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v14i2.2524

Abstract

Objective: The ongoing boycott movement of products affiliated with Israel has caused a decline in sales and could potentially lower stock prices. This study focuses on the perspective of investors in the behavior of boycotting Israeli-affiliated companies, with antecedents of the role of social media and hatred. Methods: This study used random and simple snowball sampling techniques and collected 358 respondents. Respondents received the accessible questionnaires via social media and direct delivery. The statistical procedures applied for hypothesis testing include validity and reliability testing, discriminant validity, multicollinearity, heterotrait-monotrait ratio (HTMT), and direct and mediation hypothesis testing. Results: The study shows that hatred significantly arises from social media exposure; social media and hatred influence stock boycott behavior. In contrast, hatred is important in mediating the influence of social media and investor behavior. Recommendation: The study's results provide empirical evidence and contributions regarding the factors influencing investors' boycott behavior and enrich the literature on the antecedents and consequences of intentions in investment boycotts.
Analysis Of Determinants of Use Core Tax Administration System in 2025 Using the Unified Theory of Acceptance and Use of Technology 2 (Utaut2) Model Al Farizi, Musyafa; Zulaika Putri Rokhimah; Kusuma, Septian Yudha; Wahyuni, Mirasanti; Adhi, Nurseto
JABI (Jurnal Akuntansi Berkelanjutan Indonesia) Vol. 9 No. 1 (2026): JABI (JURNAL AKUNTANSI BERKELANJUTAN INDONESIA)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JABI.v9i1.y2026.p82-99

Abstract

This study aims to analyze the success of the Core Tax Administration System (CTAS) information system from the taxpayer perspective using the UTAUT 2 model. The success of CTAS is crucial; if this tax service system is inadequate for taxpayers, it can reduce the system's adoption rate. The decline in CTAS use by taxpayers will have an impact on decreasing compliance levels, which will ultimately hinder state revenue receipts from the tax sector. The population in this study is the number of companies in Semarang City registered with the Semarang City Department of Industry and Trade (Disperindag) at the end of 2024, namely 845 companies. This study uses the Slovin sampling formula with a 5% error rate, resulting in a sample size of 271 companies. Therefore, the number of samples used in this study was 271 companies in Semarang City. Data were collected using questionnaires distributed to respondents through direct delivery and social media (Google Form). The results showed that Performance Expectancy, Social Influence, and Perceived Security have a positive and significant effect on Behavioral Intention. Furthermore, Facilitating Conditions and Behavioral Intention also had a positive and significant effect on Use Behavior. However, Effort Expectancy, Hedonic Motivation, and Price Value were not found to have a significant effect on Behavioral Intention.
Determinasi Kepuasan Mahasiswa terhadap Layanan Aplikasi BRImo di Kota Semarang Rizqi Sukya Arrohmah; Prihatiningsih; Septian Yudha Kusuma
Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): Desember 2025
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v4i2.4876

Abstract

Purpose: This study aims to analyze the effect of convenience, security, and service quality on customer satisfaction among student users of BRImo in Semarang City, both simultaneously and partially. Design/methodology/approach: This research employed a quantitative approach using purposive sampling. The population consisted of students in Semarang City who used BRImo, with a total of 152 respondents. Primary data were collected through questionnaires distributed via Google Form. Data analysis was conducted using SPSS 26 with multiple linear regression, supported by the F-test, t-test, and coefficient of determination (R²). Research Findings: The findings indicate that convenience, security, and service quality partially have a significant effect on customer satisfaction among student BRImo users in Semarang City. Service quality shows the strongest influence on customer satisfaction, although several issues remain such as server disruptions and transaction costs. Security is the second most influential factor, supported by layered features such as OTP and biometric authentication. Convenience has the third strongest influence due to BRImo’s simple interface and complete features. Contribution/Originality/Novelty: This study contributes empirical evidence regarding the key determinants of customer satisfaction in digital banking services, particularly among student users. The novelty of this research lies in its focus on the student segment as a specific user group of BRImo, providing insights for improving service quality, security systems, and user convenience in mobile banking applications.
Pengaruh Diversifikasi Pendapatan, BOPO, NPL, LDR Terhadap Profitabilitas Perbankan selama Meningkatnya Gelombang PHK Indonesia 2023 Faza Ladita Afrizan; Suryani Sri Lestari; Septian Yudha Kusuma
Indonesian Journal of Innovation Multidisipliner Research Vol. 2 No. 3 (2024)
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v2i3.178

Abstract

PHK (Pemutus Hubungan Kerja) tahun 2023 membuat perekonomian terganggu dan berdampak pada sistem perbankan. Penelitian ini dilakukan untuk mengetahui pengaruh Diversifikasi Pendapatan, BOPO (Beban Operasional Pendapatan Operasional), NPL (Non Performing Loan), dan LDR (Loan to Deposit Ratio) terhadap profitabilitas yang ditunjukkan dengan ROA (Return On Asset) pada sektor perbankan selama terjadinya gelombang PHK pada tahun 2023 di Indonesia. Metode Analisis Data yang digunakan adalah Statistik Deskriptif, dengan Pendekatan Kuantitatif. Model Analisis data adalah Model Analisis Linier Berganda. Sampel pada penelitian ini adalah 121 laporan keuangan 28 bank umum konvensional yang memiliki total asset >Rp50 Triliun. hasil penelitian dengan menggunakan Uji F dan Uji t menunjukkan bahwa secara parsial Diversifikasi Pendapatan berpengaruh positif terhadap ROA (Return On Asset), BOPO (Beban Operasional Pendapatan Operasional) berpengaruh negatif signifikan terhadap ROA (Return On Asset), NPL (Non Performing Loan) berpengaruh negatif secara signifikan terjadap ROA (Return On Asset), dan LDR (Loan to Deposit Ratio) tidak berpengaruh terhadap ROA (Loan to Deposit Ratio).
Co-Authors Abillah Putri Adhi, Nurseto Aditya, Galuh Afrizan, Faza Ladita Al Farizi, Musyafa alfarizi, Musyafa Alifia, Fariska Desma Alvianita Gunawan Putri Ardian Widiarto Aris Sunindyo Arumdani, Mirmaningtyas Sekar Avilla Rahma Maulana Denny Ramadhan Dina Yeni Martia Dwi Astutik Dwi Astutik Embun Duriany Soemarso Farizi, Musyafa Al Faza Ladita Afrizan Gunawan Putri, Alvianita Hartono Hartono Hartono Hartono Heni Susiana Herawati Heri Irawan Ida Savitri Kusmargiani Iswahyuni, Yetti Jati Handayani Jati Handayani jati handayani, jati Kodir, Moch Abdul Krisnawati, Hani Kurniawati, Agnes Laela Fitria Sari Lestari, Suryani Sri Maishanu, Umar Aliyu Makom, Maharani Rona Maria Theresia Heni Widyarti Maria, Mayrisa Styaningrum Mella Katrina Sari Mirasanti Wahyuni Mirasanti Wahyuni, Mirasanti Moch Abdul Kodir Mohamad Hasanudin Mudjiyono Mudjiyono Musyafa Al Farizi Nabilla Putri Nina Woelan Soebroto Nuril Romadhoni Prihatiningsih Prihatiningsih Prihatiningsih Prihatiningsih Prihatiningsih, Prihatiningsih Putri, Abillah R. Gunawan Setianegara Rashinta Messaluna Rikawati Rikawati Rizqi Sukya Arrohmah Rokhimah, Zulaika Putri Rusniti, Rusniti Salsabila, Khairunnisa Luthfi Nur Savitri Kusmargiani, Ida Setiawan, Gigih Adi Shafira, Aulia Septiana Sudarman Sudarman Sudarman Sudarman Sudarman Sudarman Sudarman Sudarman Sudarman Sudarman Sudarman Sunyoto Sunyoto Suryani Sri Lestari Teguh Budi Santosa Titin Novera Vita Arumsari Widyarti, Maria Theresia Heni Winarni Winarni Winarni Zulaika Putri Rokhimah