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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial Jurnal Aplikasi Manajemen dan Bisnis (JAMB) Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Journal Online Manajemen ELPEI (JOMEL) Abdi Cendekia: Jurnal Pengabdian Masyarakat Business Management Jurnal Manajemen, Akuntansi, Ekonomi Kreativitas Pada Pengabdian Masyarakat (Krepa) Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Neraca Manajemen, Akuntansi, dan Ekonomi Celebes Journal of Community Services Paramacitra : Jurnal Pengabdian Masyarakat AKSELERASI: Jurnal Pengabdian Masyarakat Manfaat: Jurnal Pengabdian Pada Masyarakat Indonesia Journal of Studies in Academic, Humanities, Research, and Innovation International Journal of Education Management and Religion Jurnal Ilmiah Manajemen Dan Kewirausahaan Journal of Economics and Management Technologies Jurnal Ilmiah Akuntansi dan Keuangan (JIAN)
Sri Astuti Nasir
Universitas Negeri Makassar
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Pengaruh Digital Eco-Labels terhadap Kesediaan Konsumen Membayar Harga Lebih Mahal pada Marketplace Nulthazam Sarah; Nur Fadilah Ayu Sandira; Indri Iswardhani; Sri Astuti Nasir
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 5 No. 2 (2026): Mei: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v5i2.6768

Abstract

The proliferation of digital commerce platforms has transformed consumer behavior while simultaneously elevating environmental consciousness among Indonesian consumers. This research investigates the influence of digital eco-labels on consumer willingness to pay premium prices on marketplace platforms, specifically Shopee and Tokopedia, within Indonesian urban contexts. Employing a quantitative associative research design, this study collected data from 50 active marketplace users through purposive sampling techniques using structured questionnaires with five-point Likert scales. Multiple linear regression analysis was conducted to examine the relationships between digital eco-labels and willingness to pay premium prices, with perceived credibility and environmental knowledge as moderating variables. The findings reveal that digital eco-labels significantly and positively influence willingness to pay premium prices with a beta coefficient of 0.438 and significance level of 0.000. Perceived credibility effectively moderates this relationship with a coefficient of 0.312, while environmental knowledge demonstrates a moderating effect with a coefficient of 0.276. The research model explains 64.7 percent of the variance in willingness to pay premium prices. These empirical results confirm the applicability of Theory of Planned Behavior and signaling theory in the context of sustainable digital consumption in Indonesia. The study contributes theoretical insights into green consumer behavior within emerging market e-commerce platforms and provides practical implications for marketplace operators to develop transparent third-party verification systems for eco-labels, integrate educational content regarding sustainability, and optimize search algorithms to enhance visibility of verified sustainable products. Policy implications emphasize the necessity for governmental regulation standardizing digital sustainability labels and monitoring environmental claims in e-commerce to prevent greenwashing practices.
Dari Bertahan Menuju Bertumbuh:Peran Human Capital Pegadaian dalam Transformasi Nasabah Gadai Menjadi Investor Emas Sri Astuti Nasir; Iswardhani, Indri; Sarah, Nulthazam; Sandira, Nur Fadilah Ayu; Ginting, Josafat Gracia
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.499

Abstract

This study investigates the strategic role of human capital at Pegadaian in transforming customers from a survival-oriented mindset—where gold is perceived merely as a collateral instrument during emergencies—toward a growth-oriented mindset in which gold is understood as a long-term investment asset. Using a qualitative exploratory design, the research is based on in-depth interviews with ten customers who transitioned from pawn service users to gold investors. The findings reveal that this transformation is mediated by Pegadaian employees who act as financial change agents. Three key mechanisms are identified. First, employees build trust by leveraging relationships previously established through pawn transactions. Second, they provide contextualized financial education that bridges traditional perceptions of gold with modern investment concepts. Third, they offer continuous assistance throughout the gold investment process. The results demonstrate that the success of financial institution transformation largely depends on the capacity of its human capital to function as translators of financial culture. Their role extends beyond increasing financial literacy to reshaping customers’ economic behavior from short-term consumption toward long-term wealth accumulation. This study highlights that employee competency development serves as a crucial driver of customer financial literacy and inclusion.
Pengaruh Pengalaman Konsumen dan Kepercayaan Terhadap Keputusan Pembelian Pada Live-Commerce di TikTok Shop Indonesia Nur Fadilah Ayu Sandira; Nulthazam Sarah; Sri Astuti Nasir; Indri Iswardhani; Muh. Irshan Sachrir
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 4 No. 3 (2026): Edisi Januari - April
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jeama.v4i3.628

Abstract

Perkembangan live commerce telah mengubah pola belanja digital menjadi pengalaman yang interaktif dan berlangsung secara real time. TikTok Live Commerce mengintegrasikan unsur hiburan, interaksi sosial, dan transaksi instan, sehingga memengaruhi cara konsumen dalam mengambil keputusan pembelian. Meskipun adopsinya terus meningkat, kajian empiris yang menjelaskan bagaimana faktor psikologis secara simultan memengaruhi keputusan pembelian aktual dalam konteks live commerce masih terbatas. Penelitian ini bertujuan untuk menganalisis pengaruh consumer experience dan trust terhadap keputusan pembelian pada TikTok Live Commerce. Penelitian menggunakan pendekatan kuantitatif dengan desain kausal. Data dikumpulkan dari 100 pengguna TikTok yang pernah melakukan pembelian melalui TikTok Live Commerce dalam enam bulan terakhir dan dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa consumer experience berpengaruh positif dan signifikan terhadap keputusan pembelian (β = 0,331; p < 0,01), sedangkan trust memiliki pengaruh yang lebih kuat (β = 0,525; p < 0,001). Secara simultan, kedua variabel mampu menjelaskan 67,6% variasi keputusan pembelian, yang menunjukkan daya jelaskan model yang tinggi. Hasil penelitian ini mengindikasikan bahwa keputusan pembelian dalam live commerce tidak hanya ditentukan oleh faktor fungsional, tetapi juga oleh sinergi antara pengalaman konsumen yang imersif dan kepercayaan yang terbentuk melalui interaksi real time. Penelitian ini memberikan kontribusi pada literatur social commerce dengan menegaskan peran strategis consumer experience dan trust dalam mempercepat serta memperkuat keputusan pembelian pada platform live commerce.
Pengaruh Risiko Likuiditas dan Risiko Kredit terhadap Kinerja Keuangan pada Bank Digital Periode 2020-2024 Indri Iswardhani; Muhammad Rijal Alim Rahmat; Nur Fadilah Ayu Sandira; Nulthazam Sarah; Sri Astuti Nasir
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5904

Abstract

This study aims to analyze the influence of liquidity risk and credit risk on the financial performance of digital banks listed on the Indonesia Stock Exchange for the 2020-2024 period. The research employs an explanatory quantitative approach with a sample of four digital banks selected through purposive sampling. Data were analyzed using multiple linear regression with independent variables Loan to Deposit Ratio (LDR) for liquidity risk and Non-Performing Loan (NPL) for credit risk, and the dependent variable Return on Assets (ROA) for financial performance.The results show that simultaneously, LDR and NPL have a significant effect on ROA. Partially, LDR proves to have a positive and significant effect on ROA, while NPL does not show a significant effect. These findings indicate that liquidity management plays a more critical role in determining the financial performance of digital banks compared to credit risk. This study recommends that digital bank management focus on optimizing liquidity management to improve profitability, while still paying attention to the potential impact of credit risk in the long term.
Co-Authors Abdul Rahman Achmad Ridha Adi Andi Rinda Oktariani Azlan Azhari Bando, Ushwa Dwi Masrurah Arifin Gita Irawanda Husain, Fakhirah Indri Iswardhani Irawanda, Gita Josafat Gracia Ginting Jusri M. Yunasri Ridhoh Maharani, Nurfadiza Muh. Irshan Sachrir Muhammad Rijal Alim Rahmat Nulthazam Sarah Nur Fadilah Ayu Sandira Rezky Amalia Hamka Rostina Rostina Rostina Windarsari, Wiwin Riski