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All Journal International Journal of Economic, Technology and Social Sciences (Injects) Jurnal Nusa Manajemen
Fakhri Ramadhan
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Public Health Social Sciences

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Financial Literacy and SME Financial Performance, The Mediating Roles of Marketing Capability and Human Capital Khairun Amala; Sophia Imari; Wirdah Irawati; Muhammad Basyir; Fakhri Ramadhan
International Journal of Economic, Technology and Social Sciences (Injects) Vol. 6 No. 2 (2025): October 2025
Publisher : CERED Indonesia Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53695/injects.v6i2.1553

Abstract

This study examines the effect of financial literacy on financial performance and the mediating roles of marketing capability and human capital. A quantitative cross-sectional survey was conducted with 124 respondents, and data were analyzed using PLS-SEM. The results show that financial literacy has a positive total effect on financial performance (? = 0.595). Financial literacy significantly enhances marketing capability (? = 0.446) and human capital (? = 0.396), which in turn positively influence financial performance. Human capital shows the strongest effect (? = 0.544), followed by marketing capability (? = 0.372). Mediation analysis confirms partial mediation, with indirect effects of 0.166 (marketing capability) and 0.215 (human capital). The model explains 63.2% of the variance in financial performance, indicating strong explanatory power. The findings suggest that financial literacy improves financial outcomes both directly and indirectly through capability development. This study contributes by integrating financial literacy theory, resource based view, and human capital theory into a unified mediation framework.
PENGARUH INFLUENCER, ULASAN PENGGUNA DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN BRAND KAHF DI MEDIA SOSIAL (STUDI KASUS GEN-Z DI KOTA SUMBAWA BESAR) Fakhri Ramadhan; Tomy Dwi Cahyono
Jurnal Nusa Manajemen Vol. 3 No. 1 (2026): Jurnal Nusa Manajemen Volume 3 Nomor 1 Maret Tahun 2026
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v3i1.377

Abstract

This study is motivated by the rapid growth of social media as a medium for digital marketing, particularly for men’s skincare brands such as Kahf, which are widely favored by Generation Z. The objective of this research is to analyze the influence of influencers, user reviews, and product quality on consumer purchasing decisions for the Kahf brand through social media, focusing on Generation Z in Sumbawa Besar. This study employed a quantitative approach with an associative research design, involving 100 respondents selected through purposive sampling. Data were collected using questionnaires and analyzed with multiple linear regression. The findings reveal that all three independent variables—influencers, user reviews, and product quality—have a positive and significant effect on purchasing decisions, both partially and simultaneously. These results highlight that influencer credibility, the authenticity of user reviews, and high product quality are key factors in building consumer trust and driving purchase decisions. In conclusion, leveraging digital marketing strategies through influencer collaboration, effective management of user reviews, and continuous product quality improvement are essential for companies to strengthen competitiveness in the era of social media–based marketing.
Co-Authors Cahyono, Tomy Dwi Khairun Amala Muhammad Basyir Sophia Imari Wirdah Irawati