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All Journal Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi MAXIMAL Nusantara Economics and Entrepreneurships Journals IJHABS META - JOURNAL
Pratiwi Musa, Kartika Septiary
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Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Persepsi Nasabah Terhadap Layanan Digital Bank BCA: Studi Kualitatif dan Implikasinya dalam Pengembangan Strategi Perbankan Digital Pratiwi Musa, Kartika Septiary
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 1 (2024): Oktober
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

This study aims to explore customer perceptions of BCA Bank's digital services and their implications for digital banking strategy development. Using a qualitative approach, in-depth interviews were conducted with active customers using BCA Bank's digital services, while document content analysis was also performed to gain comprehensive understanding. Findings indicate that key factors influencing customer perceptions include user interface quality, system reliability, security, ease of use, and availability of additional features. BCA Bank can utilize these findings to enhance user experience, improve their digital services, and strengthen competitive advantage in the evolving digital banking market.
The Influence of Perceived Quality of Service on Purchasing Decisions at Skage Fried Chicken: The Role of Customer Engagement as an Intervening Variable Parinsi, Welimas Kristina; Lestari Musa, Dwi Anugrah; Pratiwi Musa, Kartika Septiary
International Humanity Advance, Business & Sciences Vol 2 No 4 (2025): April
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/ijhabs.v2i4.423

Abstract

This study analyzes the influence of perceived service quality (Quality of Service) on consumer purchasing decisions at Skage Fried Chicken, with customer engagement as an intervening variable. In the context of an increasingly competitive culinary industry, it is important for companies to understand the factors that influence consumer purchasing decisions. Data were collected through a survey involving 100 students of the Management Study Program, Makassar State University who had made purchases at the restaurant. The analysis method used is Structural Equation Modeling (SEM) based on Partial Least Squares (PLS), which allows researchers to test the relationship between variables simultaneously. The results of the study indicate that service quality has a positive and significant influence on purchasing decisions, and customer engagement acts as a mediator that strengthens the relationship between service quality and purchasing decisions. These findings emphasize the importance of improving service quality to not only attract customers but also increase their engagement and purchasing decisions
Analysis of Financial Literacy and Financial Behavior Towards Investment Decisions: Case Study on Kartu Indonesia Pintar at University State of Makassar Pratiwi Musa, Kartika Septiary
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 3 (2025): February
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v2i3.311

Abstract

Every investment has consequences, so choosing wisely is crucial as it will impact the future. Greater accessibility to financial services and products for the general public may not always yield positive results, especially for younger generations who lack good financial management skills. The aim of this study is to examine how financial behavior and financial literacy influence the investment choices made by KIP recipient students at Universitas Negeri Makassar from the 2022 cohort. Using a quantitative technique, 100 respondents were given questionnaires as part of the research methodology. Multiple regression analysis and validity tests were employed in the data analysis, which was conducted using SPSS software version 30.0.0. The results of the study indicate a substantial positive correlation between investing decisions and financial literacy, with higher levels of financial literacy being associated with better investment decisions. Furthermore, it was found that students' investment decisions are significantly influenced by their financial behavior
Penerapan Teori Konsumen dalam Menganalisis Pola Konsumsi Masyarakat Modern Pratiwi Musa, Kartika Septiary
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 1 (2025): Oktober
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

This study aims to analyze the theories that explain consumer behavior and the factors that influence it in  the context of modern economics and marketing. The background of this research departs from the  importance of understanding how individuals make decisions in choosing and buying goods or services in  the midst of rapid social changes and digital technology. This study uses a library research method by  examining various scientific sources, books, and national and international journals published in the last  ten years (2015–2025). The results of the study show that consumer behavior is a multidimensional  phenomenon that involves the interaction between economic, psychological, social, cultural, and  technological aspects. Theoretically, consumer behavior is explained through cardinal utility theory,  ordinal utility theory, and inference curve theory, which describe how consumers seek to maximize  satisfaction with resource limitations. In addition, consumer behavior is influenced by internal factors such  as motivation, perception, attitude, and lifestyle, as well as external factors such as culture, social groups,  family, and economic conditions. The findings of this study confirm that consumer behavior in the digital  age is not only driven by economic rationality, but also by symbolic value, emotions, and awareness of  sustainability. This research is still conceptual, so further empirical studies are needed to test the  application of consumer behavior theory in different industry contexts. The results of this study are expected  to contribute to the development of management and marketing science, as well as become the basis for  companies to design adaptive, ethical, and sustainable marketing strategies.
Performativitas Identitas Generasi Terpinggirkan di Platform Sosial Media Pratiwi Musa, Kartika Septiary
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 2 (2025): Desember
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

The study aims to examine the socio-cultural impact of digital on the identity and life orientation of the younger generation. Amid the development of information technology and social media, young people are often faced with social pressure, false standards of success, and loss of authentic values ​​in forming their identity. This phenomenon shows symptoms of an identity crisis that is not only personal, but also systemic as part of a cultural shift. The study highlights how social media shapes self-construction, creates an unhealthy competitive space, and influences important decision-making such as education and career. This crisis shows that the younger generation is in a vulnerable position, both psychologically and socially. This study was conducted using a descriptive qualitative approach, based on in-depth interviews with high school and college students in South Jakarta. The results show that the majority of respondents experience value disorientation, digital self-image pressure, and uncertainty about the direction of life. Research recommendations emphasize the importance of digital literacy, strengthening character education, and developing supportive social spaces to help young people build a healthy identity and a clear direction in life.
THE IMPACT OF INTERNATIONAL TRADE ON REGIONAL ECONOMIC GROWTH CASE STUDY: SOUTH SULAWESI PROVINCE Pratiwi Musa, Kartika Septiary
Nusantara Economics and Entrepreneurships Journals VOl.3,N0.2, (AUGUST, 2025)
Publisher : PUSAT KEWIRAUSAHAAN UNIVERSITAS BALIKPAPAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/necent.v3i2.74

Abstract

This study aims to analyze the impact of international trade on economic growth in South Sulawesi Province. In the context of increasing globalization, international trade has become a crucial pillar in driving local economic growth. Using time series data from 2006 to 2023, the analysis was conducted using a Vector Error Correction Model (VECM) approach to understand the relationship between trade activity and Gross Domestic Product (GDP) growth, as well as its impact on employment and community income. The results show a significant positive relationship between trade volume and economic growth, with sectors involved in international trade experiencing faster growth than other sectors. Furthermore, this study found that good infrastructure and supportive government policies play a significant role in maximizing the benefits of international trade. However, challenges such as commodity price volatility and the impact of the COVID-19 pandemic also need to be addressed. These findings provide recommendations for economic policies to increase the contribution of international trade to regional economic development.
Demand Supply Interaction and Price Formation: An Analysis of Contemporary Market Equilibrium Pratiwi Musa, Kartika Septiary
International Humanity Advance, Business & Sciences Vol 3 No 1.1 (2025): Special Issue
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/ijhabs.v3i1.1.783

Abstract

This study aims to understand how the relationship between demand, supply, and market equilibrium is formed in a traditional market environment. The study used a descriptive qualitative method, conducting direct observations and interviews with traders and buyers at Makassar City's Central Market. The primary focus of this study was to analyze how market participants adapt to changing prices and economic conditions through social interactions and everyday experiences. The results indicate that price equilibrium in traditional markets is formed naturally through adjustments between the quantity of demand and supply of goods. When demand increases, prices rise; conversely, when supply increases, prices decrease. Other factors such as seasonality, purchasing power, and trust among market participants also influence price equilibrium. The conclusion of this study is that market mechanisms are influenced not only by economic figures but also by social behavior, intuition, and human experience in trading activities.
Pengaruh Gaya Kepemimpinan dan Beban Kerja Terhadap Produktivitas Kerja Karyawan pada PT. Pelayaran Nasional Indonesia (Persero) Cabang Makassar Musa, Chalid Imran; Pratiwi Musa, Kartika Septiary
SINOMIKA JOURNAL: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 5 No. 1 (2026): May
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sinomika.v5i1.4291

Abstract

Employee productivity is a crucial factor in supporting organizational success. This productivity can be influenced by various managerial factors, including leadership style and workload. This study aims to analyze the influence of leadership style and workload on employee productivity at PT Pelayaran Nasional Indonesia (PELNI) Makassar Branch. This study employed a quantitative approach with a descriptive-associative design. The population in this study was all 39 employees of PT PELNI Makassar Branch, therefore, the sampling technique used was saturated sampling. Data were collected through a Likert-scale questionnaire that had been tested for validity and reliability. Data analysis techniques used included multiple linear regression, partial t-tests, simultaneous t-tests, and the coefficient of determination. The results showed that leadership style had a positive and significant effect on employee productivity, with a t-value of 11.730 and a significance level of 0.000. Meanwhile, workload had no significant partial effect on employee productivity, with a significance level of 0.074. Simultaneously, leadership style and workload significantly influence employee work productivity with a calculated F value of 257.153. The coefficient of determination value of 93.5% indicates that employee work productivity can be explained by leadership style and workload, while the rest is influenced by other factors outside the research model. Thus, leadership style is the dominant factor that influences employee work productivity. Therefore, companies need to improve the quality of effective, communicative, and supportive leadership in order to maintain and increase employee work productivity.
Co-Authors Chalid Imran Musa Dwi Anugerah Lestari Musa Parinsi, Welimas Kristina