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Mona Inayah Pratiwi
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Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pay Later dan Perilaku Impulse Buying di Era Industri 4.0 Irin Mirrah Luthfia; Mona Inayah Pratiwi; Destine Fajar Wiedayanti; Ana Putri Nastiti
Jibaku: Jurnal Ilmiah Bisnis, Manajemen dan Akuntansi Vol. 3 No. 2 (2023): Juli
Publisher : Universitas Ngudi Waluyo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35473/jibaku.v3i2.2455

Abstract

Pay later services play an important role in the era of Industry 4.0 by bringing flexibility and integrated payment convenience with the development of digital technology. The advantages and convenience offered by pay later are very appealing. Impulse buying, which refers to the sudden, spontaneous, and unplanned purchase of goods or services, often occurs due to emotional impulses, sudden desires, or external factors such as promotions or discount offers. Pay later technology is well-received by the Indonesian society, and pay later users in Indonesia are categorized as quite high (Sari, 2021). This study employed interview techniques with 10 adult women who have used pay later applications, where 80% of the respondents used the pay later method because of its convenience. The use of pay later can provide flexibility in financial management, especially if used wisely. However, individuals need to carefully consider their budget, understand the requirements and costs associated with pay later services, and limit the tendency for impulsive shopping to avoid getting trapped in an uncontrollable debt cycle. Abstrak Layanan Pay later berperan penting dalam era industri 4.0 dengan menghadirkan fleksibilitas dan kemudahan pembayaran yang terintegrasi dengan perkembangan teknologi digital. Keunggulan dan kemudahan yang ditawarkan oleh pay later sangat menarik. Impulse buying atau pembelian impulsif, yang merujuk pada pembelian barang atau layanan yang dilakukan secara tiba-tiba, spontan, dan tanpa perencanaan yang matang, sering kali terjadi karena dorongan emosional, keinginan mendadak, atau rangsangan dari faktor eksternal seperti promosi atau penawaran diskon. Teknologi pay later disambut baik oleh masyarakat Indonesia dan pengguna pay later di Indonesia berada dalam kategori cukup tinggi (Sari, 2021). Penelitian ini menggunakan Teknik wawancara kepada 10 orang wanita dewasa yang telah menggunakan aplikasi pay later dimana 80% responden menggunakan metode pay later  karena kemudahannya. Penggunaan Pay later dapat memberikan fleksibilitas dalam pengelolaan keuangan, terutama jika digunakan dengan bijaksana. Namun, individu perlu mempertimbangkan secara hati-hati anggaran mereka, memahami persyaratan dan biaya yang terkait dengan layanan Pay later dan membatasi kecenderungan untuk belanja impulsif agar tidak terjebak dalam siklus hutang yang tidak terkendali.
PENGUATAN LITERASI DIGITAL MELALUI PEMBUATAN MEDIA PEMBELAJARAN BERBASIS VIDEO ANIMASI MENGGUNAKAN ARTIFICIAL INTELLIGENCE BAGI GURU SDN 01 TUGUREJO, KOTA SEMARANG Ana Putri Nastiti; Isnaini Nurkhayati; Winarto Winarto; Jumi Jumi; Sri Marhaeni; Endang Sulistiyani; Jati Nugroho; Mona Inayah Pratiwi
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 3 No. 3 (2025): MEI
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v3i3.3931

Abstract

Primary Community Service at SDN 01 Tugurejo, Tugurejo District, Semarang City aims to provide solutions to social and humanities problems that impact performance, efficiency and work productivity faced by teachers at SDN 01 Tugurejo in order to improve the quality of learning. The problem faced by teachers at SDN 01 Tugurejo, Semarang City is that they have not yet maximized good digital literacy skills. In particular, teachers have not been able to apply technology optimally in creating learning media that is relevant to students' characters and the latest technological developments. The application of Artificial Intelligence through the creation of animated video-based learning media for teachers at SDN 01 Tugurejo will have an impact on strengthening digital literacy for teachers. In an independent curriculum, teachers have the freedom to adapt learning methods, materials and media to suit the needs and characteristics of students. Thus, teachers who have good digital literacy will support the creation of an interactive and quality learning process. The method used is to provide socialization, training and assistance in creating animated video-based learning media using Artificial Intelligence. Thus, teachers who have good digital literacy will support the creation of an interactive and quality learning process.
The Moderating Role of Electronic Word of Mouth in the Relationship Between User-Generated Content and Purchase Decisions Bagus Yunianto Wibowo; Nanang Adie Setyawan; Destine Fajar Wiedayanti; Irin Mirrah Luthfia; Mona Inayah Pratiwi
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. I (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4iI.970

Abstract

This research is a quantitative study with an explanatory approach, namely an approach that relies on previous research for three purposes, namely: creating hypotheses, creating new variations on hypotheses that are different from previous research, and proving hypotheses. The data used in this study are primary data that researchers obtained from sources that are definitely credible in the form of Three Second customers, with a total of two hundred customers spread throughout Indonesia. The data that researchers obtained were analyzed using the innovative PLS 4.0 analysis tool. The conclusion is explained comprehensively in this section. In the first hypothesis in this article, it can be concluded that it is accepted and proven. This is because the P-values in this article are positive and below the 0.05 significance level, namely 0.007. The results mentioned by the researcher above are in line with a number of previous studies, namely. This means that better user-generated content on a product can make a larger market share, increase product recognition in the eyes of the public, and so on, which can increase Purchasing Decisions. In the following hypothesis, the Electronic-Word of Mouth variable can strengthen or moderate the influence of the User Generated Content variable on Purchasing Decisions because the same thing, namely the P-Value value, is positive and below the 0.05 significance level, namely 0.000. more significant than direct testing of 0.007. Thus, it can be concluded that the first and second hypotheses in this article can be accepted.
Analisis Peran Diskon Barang Dalam Meningkatkan Efektivitas Pemasaran dan Kemajuan Usaha di Era E-Commerce: Penelitian Irin Mirrah Luthfia; Bagus Yunianto Wibowo; Nanang Adie Setyawan; Destine Fajar Wiedayanti; Mona Inayah Pratiwi
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.2135

Abstract

The development of digital technology has driven the growth of e-commerce as a major platform in modern trade activities. In increasingly competitive conditions, businesses are required to implement effective marketing strategies, one of which is through product discounts. This study aims to analyze the role of product discounts in increasing marketing effectiveness and their contribution to business progress in the e-commerce era. This study uses a quantitative approach with a descriptive associative method. Data were collected through questionnaires distributed to 120 active e-commerce businesses that have used discount strategies. The analysis techniques used include validity and reliability tests, multiple regression, and the Sobel test to examine the mediation effect. The results show that product discounts have a significant effect on marketing effectiveness (β = 0.568; p < 0.01), and marketing effectiveness has a significant effect on business progress (β = 0.612; p < 0.01). Discounts also have a direct effect on business progress (β = 0.325; p < 0.05), but the indirect effect through marketing effectiveness is proven to be stronger based on the results of the Sobel test (Z = 3.85; p < 0.001). This finding provides important implications for e-commerce business actors to be able to utilize discounts appropriately in building their business progress.
The Moderating Role of Electronic Word of Mouth in the Relationship Between User-Generated Content and Purchase Decisions Bagus Yunianto Wibowo; Nanang Adie Setyawan; Destine Fajar Wiedayanti; Irin Mirrah Luthfia; Mona Inayah Pratiwi
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. I (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4iI.970

Abstract

This research is a quantitative study with an explanatory approach, namely an approach that relies on previous research for three purposes, namely: creating hypotheses, creating new variations on hypotheses that are different from previous research, and proving hypotheses. The data used in this study are primary data that researchers obtained from sources that are definitely credible in the form of Three Second customers, with a total of two hundred customers spread throughout Indonesia. The data that researchers obtained were analyzed using the innovative PLS 4.0 analysis tool. The conclusion is explained comprehensively in this section. In the first hypothesis in this article, it can be concluded that it is accepted and proven. This is because the P-values in this article are positive and below the 0.05 significance level, namely 0.007. The results mentioned by the researcher above are in line with a number of previous studies, namely. This means that better user-generated content on a product can make a larger market share, increase product recognition in the eyes of the public, and so on, which can increase Purchasing Decisions. In the following hypothesis, the Electronic-Word of Mouth variable can strengthen or moderate the influence of the User Generated Content variable on Purchasing Decisions because the same thing, namely the P-Value value, is positive and below the 0.05 significance level, namely 0.000. more significant than direct testing of 0.007. Thus, it can be concluded that the first and second hypotheses in this article can be accepted.
Pengaruh Knowledge Sharing, Employee Engagement, Dan Work Life Balance Terhadap Job Satisfication Pada Karyawan PT Wijaya Karya Beton Tbk. PPB Boyolali Yudha Esa Pribadi; Rara Ririn Budi Utaminingtyas; Irin Mirrah Luthfia; Mona Inayah Pratiwi
Journal of Management, Entrepreneur and Cooperative Vol. 3 No. 2 (2024): July
Publisher : Universitas Sumatera Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56869/jmec.v3i2.578

Abstract

Perusahaan dalam menghadapi persaingan industri harus memperhatikan faktor yang mampu membuat kepuasan kerja meningkat melalui pengembangan berbagi pengetahuan, meningkatkan keterlibatan karyawan, serta menjaga keseimbangan kehidupan pekerjaan dan pribadi karyawan di dalam perusahaan agar mencapai tujuan bisnis. Penelitian yang dilaksanakan bertujuan mengetahui pengaruh knowledge sharing, employee engagement, serta work life balance terhadap job satisfaction pada karyawan PT Wika Beton Boyolali. Metode mengumpulkan datanya menggunakan media tinjauan pustaka, observasi, dan kuesioner yang telah penulis uji validitas dan reliabilitasnya. Peneliti menggunakan skala likert dengan rentang skala 1-5. Teknik sampling yang peneliti gunakan ialah non probability sampling dengan lebih fokus pada purposive sampling. Sampel yang diteliti adalah semua karyawan tetap PT Wika Beton Boyolali dengan berjumlah 80 orang. Metode analisis data menggunakan analisis linier bergandan, uji asumsu klasik, uji F, uji T, serta uji koefisien determinasi (R2). Hasil perhitungan perangkat lunak IBM SPSS 25 yang diperoleh persamaan Y = 0,401 + 0,238x1 + 0,411x2 + 0,238x3 + e, berarti variabel independent pada penelitian ini memiliki hubungan positif terhadap variabel dependen. Knowledge sharing, employee engagement, serta work life balance mampu memberikan kontribusi sebesar 59,1% sedangkan 40,9% lainnya dipengaruhi oleh faktor lainnya yang tak diteliti. Penelitian ini menggunakan ukuran sampel yang terbatas hanya pada karyawan PT Wika Beton Boyolali, sehingga hasilnya mungkin tidak dapat digeneralisasikan untuk karyawan di perusahaan atau lokasi lain. Maka darinya penulis sarankan bagi peneliti di masa mendatang supaya melakukan penelitian dengan sampel yang lebih besar ataupun mencoba variabel dalam penelitian ini terhadap perusahaan lain.
The Influence of Social Commerce Adoption and Visual Content Quality on MSME Sales Performance with Consumer Trust as a Mediating Variable: Penelitian Bagus Yunianto Wibowo; Irin Mirrah Luthfia; Nanang Adie Setyawan; Destine Fajar Wiedayanti; Mona Inayah Pratiwi
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4960

Abstract

The rapid integration of social media and e-commerce, known as social commerce (s-commerce), has fundamentally reshaped the operational landscape for Micro, Small, and Medium Enterprises (MSMEs). This study investigates the impact of social commerce adoption and visual content quality on the sales performance of MSMEs, with consumer trust serving as a critical mediating variable. In the highly competitive digital market of 2026, MSMEs face the challenge of not only adopting new technologies but also masterfully crafting visual narratives that capture consumer attention. Utilizing a quantitative research design with a sample of 450 MSME owners in Indonesia, this study employs Structural Equation Modeling (SEM-PLS) via SmartPLS 4.0 to analyze the relationships between variables. The results indicate that both social commerce adoption and visual content quality have a significant positive direct effect on MSME sales performance. Furthermore, consumer trust is found to partially mediate these relationships, suggesting that the effectiveness of digital tools and aesthetics is heavily contingent upon the brand's ability to foster a sense of security and reliability among digital consumers. This research provides a strategic roadmap for MSME owners to prioritize high-fidelity visual assets and trust-building mechanisms within their social commerce frameworks to ensure sustainable growth in a volatile digital economy.
Co-Authors Ana Putri Nastiti Bagus Yunianto Wibowo Destine Fajar Wiedayanti Endang Sulistiyani Irin Mirrah Luthfia Isnaini Nurkhayati Jati Nugroho Jumi Jumi Nanang Adie Setyawan Rara Ririn Budi Utaminingtyas Sri Marhaeni Winarto Winarto Yudha Esa Pribadi