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All Journal Jurnal Media Wahana Ekonomika Jurnal Penelitian Ekonomi dan Bisnis Jurnal Abdimas BSI: Jurnal Pengabdian Kepada Masyarakat Journal of Economic, Bussines and Accounting (COSTING) SEIKO : Journal of Management & Business Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Maker: Jurnal Manajemen JURNAL EKSBIS JURNAL ILMIAH GLOBAL EDUCATION Bima Journal : Business, Management and Accounting Journal Jurnal Abdimas Perbanas JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Jurnal Ilmu Manajemen & Ekonomika Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Indonesia Sosial Sains Innovative: Journal Of Social Science Research El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JER Journal of Ekonomics, Finance, and Management Studies Jurnal Cendekia Ilmiah
Zakaria, Fakhmi
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The Impact of Lifestyle, Price and Brand Image on Purchasing Decisions of iPhone Consumers In Semarang City Septiana, Katherine Grasia; Amron; Cahya, Handy Nur; Zakaria, Fakhmi
Jurnal Ilmu Manajemen dan Ekonomika Vol. 18 No. 1 (2025): Jurnal Ilmu Manajemen dan Ekonomika, Vol. 18, No.1, December 2025
Publisher : Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jime.v18i1.817

Abstract

The current rapid development of smartphone technology, with innovations increasingly enriching the user experience. iPhones are in high demand due to several key factors that make them different and more attractive to consumers compared to other smartphones. The purpose of this study is to determine how lifestyle, price, and brand image influence iPhone purchasing decisions in Semarang City. The population is people living in Semarang City. This research method is purposive sampling. Data were collected through Google Form and obtained 100 respondents. Using SPSS 24, the research findings show that consumer lifestyle in Semarang City does not significantly influence iPhone purchasing decisions. In Semarang City, iPhone purchasing decisions are influenced by price and brand image. Conclusion: Price and brand image influence purchasing decisions, these variables can increase purchasing decisions, while lifestyle does not influence purchasing decisions. Price and brand image can influence purchasing decisions simultaneously, so companies need to consider these two factors in their iPhone product marketing strategies.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT GENERASI Z DALAM MENGGUNAKAN SISTEM PEMBAYARAN DIGITAL APLIKASI DANA DI KOTA SEMARANG Putra Ariyadi, Krisna Yunantha; Zakaria, Fakhmi; Oktoriza, Linda Ayu; Samasta, Almira Santi
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/97t9vm36

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi minat Generasi Z dalam menggunakan aplikasi dompet digital DANA di Kota Semarang. Fokus utama penelitian adalah pada lima variabel independen, yaitu kemudahan penggunaan, keamanan, literasi keuangan, pemahaman terhadap teknologi finansial, dan inovasi. Pendekatan kuantitatif digunakan dengan metode survei terhadap 135 responden Generasi Z yang merupakan pengguna DANA. Data dianalisis menggunakan metode Structural Equation Modeling berbasis Partial Least Square (SEM-PLS). Hasil penelitian menunjukkan bahwa hanya variabel teknologi finansial dan inovasi yang memiliki pengaruh positif dan signifikan terhadap minat penggunaan aplikasi DANA. Sementara itu, kemudahan penggunaan, keamanan, dan literasi keuangan tidak menunjukkan pengaruh signifikan. Temuan ini menunjukkan bahwa minat Generasi Z dalam menggunakan dompet digital lebih dipengaruhi oleh pemahaman mereka terhadap teknologi dan ketertarikan terhadap fitur-fitur baru yang inovatif, dibandingkan aspek teknis lainnya. Penelitian ini diharapkan dapat menjadi masukan bagi pengembang aplikasi keuangan dan pihak terkait untuk meningkatkan adopsi layanan keuangan digital di kalangan generasi muda.
Peran Love of Money, Financial Attitude, dan Financial Self-Efficacy terhadap Pengelolaan Keuangan Mahasiswa yang Berwirausaha di Kota Semarang Dwi Handayani, Monica; Puspitasari, Diana; Prawitasari, Dian; Zakaria, Fakhmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10339

Abstract

The growth of student entrepreneurship in Semarang City has not been fully accompanied by adequate financial management capabilities. Financial record-keeping problems, particularly the inability to separate personal and business finances, remain prevalent and tend to increase, potentially hindering the sustainability of student-owned MSMEs.  This study aims to examine the effects of Financial Attitude, Financial Self-Efficacy, and Love of Money on the financial management of student entrepreneurs in Semarang City. A quantitative approach with a survey method was employed, involving 182 student entrepreneurs selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed with Structural Equation Modeling–Partial Least Square (SEM-PLS) using SmartPLS 4. The results indicate that Financial Attitude, Financial Self-Efficacy, and Love of Money have a positive and significant effect on students’ financial management. The R-square value of 0.670 demonstrates the model’s ability to explain variations in financial management. In conclusion, psychological financial factors play an important role in improving financial management among student entrepreneurs.
Pengaruh Faktor Internal dan Eksternal Terhadap Harga Saham Subsektor Semen Yuniar, Ayu Rizky; Kusuma, Pradana Jati; Safitri, Maria; Zakaria, Fakhmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11611

Abstract

This study examines the determinants of share prices of companies in the cement sub-sector on the Indonesia Stock Exchange (IDX), focusing on internal and external factors during the period 2020–2024. The internal factors analysed include the Debt to Equity Ratio (DER), Current Ratio (CR), and company age (AGE), while external factors include interest rates and Gross Domestic Product (GDP). The research method used is a quantitative approach based on secondary data sourced from the IDX, companies' annual financial reports, and statistical data released by the Central Statistics Agency (BPS). The research sample includes six cement sub-sector companies determined through purposive sampling, resulting in 120 quarterly panel data observations. The assessment was conducted using panel data regression with a Fixed Effect Model (FEM) selected from the Chow test and Hausman test, supported by classical assumption testing and hypothesis testing. The results of the study reveal that all independent variables simultaneously have a significant effect on stock prices. Individually, CR has a positive and significant effect, while AGE has a negative and significant effect on stock prices. Meanwhile, DER and interest rates produce an insignificant negative relationship, and GDP has a positive but insignificant effect. This study reveals that the movement of cement sub-sector stock prices can be explained by the interaction of internal and external factors, with liquidity and company age as the main determinants in conditions of overcapacity and macroeconomic uncertainty.
Co-Authors Adhi Prasetyo, Rifki Adzim, Leon Islamey Alfaturachman, Ifnu Setya Amalia, Fariza Amelia, Zairina Amron Ananda, Rahma Yuli Anandita, Rissa Aprilya, Dandy Ariati Anomsari Cahya, Handy Nur Chaichotchuang, Ekarat D, Khoirul Anam Avif Damar, Haunan Diana Aqmala Diana Puspitasari Dwi Eko Waluyo Dwi Handayani, Monica Febriana, Artha Fery Riyanto Herry Subagyo Hertiana Ikasari Hidayah, Aulia Nurul Ida Farida Kinasih, Restu Kusuma, Pradana Jati Mahmud Mahmud Mustikasari, Julia Arum Oktavia, Vicky Oktoriza, Linda Ayu Prawitasari, Dian Purusa, Nanda Adi Putra Ariyadi, Krisna Yunantha Rorensia, Fajar Rizkina Roymon Panjaitan Rudi Kurniawan Safitri, Maria Salim, Salsa Filiya Salsabila, Citra Yasmin Samasta, Almira Santi Sari, Embun Oktavia Septiana, Katherine Grasia Sidabutar, Radot Sahat Pangihutan Suhita Whini Setyahuni Usman Usman Wibowo, Mochammad Eric Suryakencana Yogi Noviana, Putri Yovita, Lenni Yuniar, Ayu Rizky