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All Journal JURNAL EKSBIS Bima Journal : Business, Management and Accounting Journal
M anwar, Suhardi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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THE INFLUENCE OF FINANCIAL LITERACY AND INCOME ON STUDENTS' FINANCIAL MANAGEMENT BEHAVIOR THROUGH LIFESTYLE AS AN INTERVENING VARIABLE Octavia, Anita; M anwar, Suhardi; Pajarianto, Hadi
JURNAL EKBIS Vol 26 No 1 (2025): Jurnal Ekbis : Jurnal Analisis,Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

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Abstract

The purpose of this study was to determine the effect of financial literacy and income on the financial management behavior of students through lifestyle as an intervening variable in the 2021 intake, aged 21-25 years at the Muhammadiyah University of Palopo. The sample size used was 80 respondents using the Probability Sampling technique with the random sampling method. Data collection was carried out by distributing questionnaires via Google forms. The analysis technique used was PLS (Partial Least Square) analysis through the Smart PLS 4 program. The results of the study showed (1) Financial literacy has a significant positive effect on lifestyle, (2) Financial literacy has a significant positive effect on financial management behavior, (3) Income has a significant positive effect on lifestyle, (4) Income has a significant positive effect on financial management behavior, (5) Lifestyle does not have a significant effect on financial management behavior, (6) Financial literacy does not have a significant effect on financial management behavior through lifestyle, (7) Income does not have a significant effect on financial management behavior through lifestyle
THE EFFECT OF WORK-LIFE BALANCE, WORK STRESS, AND WORK ENVIRONMENT ON EMPLOYEE PERFORMANCE AT PT. WIJAYA INTI NUSANTARA SAWIT PALOPO CITY Nurfaisyah, Nurfaisyah; M Anwar, Suhardi; Junaidi, Junaidi
JURNAL EKBIS Vol 26 No 1 (2025): Jurnal Ekbis : Jurnal Analisis,Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

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The purpose of this study was to determine how work-life balance, work stress, and work environment affect employee performance at PT. Wijaya Inti Nusantara Sawit, Palopo City. This study used a quantitative method with a population of 140 employees. Because the population is more than 100, the sampling method used is the Slovin formula with a total of 104 employees as respondents. Multiple linear regression is a data analysis method used to test the hypothesis. The results show that (1) work-life balance affects employee performance at PT. Wijaya Inti Nusantara Sawit, Palopo City positively and significantly; (2) work stress does not affect employee performance at PT Wijaya Inti Nusantara Sawit, Palopo City, does not have a positive and insignificant effect; and (3) the work environment affects employee performance at PT Wijaya Inti Nusantara Sawit, Palopo City positively and significantly
The Influence of Marketing and Service Strategies on Loyalty through Customer Satisfaction at ULI OLSHOP Store in North Luwu Regency Wahid, Abdul; M Anwar, Suhardi; Khaddapi, Muammar
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 2 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.2.1355-1368

Abstract

Purpose: The study aims to investigate the influence of marketing strategies and service quality on customer loyalty, using customer satisfaction as a mediating variable at Uli Olshop Store, North Luwu Regency. Methodology: A quantitative approach was used, involving 100 respondents who were customers of Toko Uli Olshop. The data were analyzed using multiple linear regression. Results: The study found that marketing strategies and service quality significantly influence customer loyalty. Marketing strategies do not significantly influence customer satisfaction, while service quality contributes greatly . Customer satisfaction plays an important role in increasing customer loyalty. The coefficient of determination shows that the research model has strong predictive power in explaining the relationship between variables. Findings: Service quality is the dominant factor influencing customer satisfaction, while marketing strategies are more effective at directly influencing loyalty than customer satisfaction. Novelty: This study integrates customer satisfaction as a mediating variable to examine the relationship between marketing strategy, service quality, and customer loyalty in the context of local online stores, which has rarely been studied in small businesses in rural areas. Originality: This study examines a specific case of local e-commerce in North Luwu Regency, providing empirical evidence for the literature on digital marketing and service quality in regional markets. Conclusion: Improving service quality must be a priority to increase customer satisfaction and loyalty, while effective marketing strategies need to be maintained to strengthen loyalty directly. Type of Paper: Empirical Research Article
Co-Authors Abdul Wahid Junaidi Junaidi Khaddapi, Muammar Nurfaisyah, Nurfaisyah Octavia, Anita Pajarianto, Hadi