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All Journal Airlangga Journal of Innovation Management Journal of Accounting and Finance Management (JAFM) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Frida Utami, Restu
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Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Kualitas Pelayanan, Citra Toko, Kreativitas dan Inovasi Terhadap Keputusan Pembelian (Studi Pada Mahasiswa Pelanggan Florasea di Purwokerto) Hana Pratiwi, Atik; Frida Utami, Restu; Widhiandono, Hengky; Randikaparsa, Irawan
Journal of Accounting and Finance Management Vol. 6 No. 3 (2025): Journal of Accounting and Finance Management (July - August 2025)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i3.2306

Abstract

Perilaku masyarakat saat ini banyak yang menunjukkan perhatian dan rasa sayang mereka dengan memberi hadiah seperti buket, sehingga produk ucapan semakin berkembang dan tidak terbatas untuk acara formal saja. Penelitian ini bertujuan untuk menganalisa pengaruh kualitas pelayanan, citra toko, kreativitas dan inovasi terhadap keputusan pembelian pada mahasiswa pelanggan Florasea buket. Pendekatan yang digunakan dalam penelitian ini adalah metode kuantitatif. Sampel dalam penelitian ini adalah mahasiswa aktif yang pernah membeli buket di Florasea buket.  Jumlah sampel penelitian 200 responden. Teknik pengumpulan data adalah menggunakkan kuesioner. Data yang telah terkumpul kemudian di analisis menggunakkan SMART PLS 3.0. Berdasarkan hasil analisis menunjukkan bahwa kualitas pelayanan tidak menunjukkan pengaruh signifikan terhadap keputusan pembelian. Sedagkan citra toko kreativitas dan inovasi memiliki pengaruh positif dan signifikan terhadap keputusan pembelian.
Digital Financial Literacy and Financial Technology on Financial Performance through Financial Behavior as a Mediating Variable Wulandari, Nur Apni; Purwidianti, Wida; Nurul Innayah, Maulida; Frida Utami, Restu
Airlangga Journal of Innovation Management Vol. 6 No. 3 (2025): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v6i3.75572

Abstract

This research analyzes the effect of digital financial literacy and financial technology on financial performance, with financial behavior as a mediator. The population used is the MSE actors in the South Brebes Regency area, consisting of 6 sub-districts. Sampling using the convenience sampling technique calculated by the Slovin formula, resulting in 110 participants. The data were collected through the distribution of questionnaires using a Likert scale, and then examined with SmartPLS 3.0 software. According to the results, adopting fintech is not the only way for MSEs to achieve excellent financial performance; responsible financial behavior and a firm understanding of digital financial literacy are also essential. Theoretically, this study highlights that enhancing MSE financial performance requires a combination of financial expertise and efficient technology use, since technology is insufficient on its own without the capacity to understand and utilize financial data strategically. From a managerial standpoint, the findings suggest that improving MSE actors’ financial capabilities, especially their comprehension, interpretation, and application of digital financial tools and concepts, is essential to guaranteeing that fintech solutions can be utilized efficiently. In an increasingly digital economic world, this capacity helps business owners make strategic, sustainable, and well-informed decisions that support the long-term resilience and success of their companies.
Pengaruh Pelatihan, Motivasi, Disiplin dan Lingkungan Kerja Terhadap Kinerja Karyawan PT Cahaya Optima Karya Jakarta Pusat Nur Saputri, Sylvia; Purnadi, Purnadi; Widhiandono, Hengky; Frida Utami, Restu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11238

Abstract

Employee performance plays a fundamental role in determining the achievement of corporate targets, making effective human resource management a necessity. In this context, PT Cahaya Optima Karya is still faced with several strategic problems, namely training programs that are not comprehensively structured, levels of motivation and work discipline that need to be improved, and the contribution of the work environment that is not optimal in driving productivity. The research method applied is quantitative. The sampling technique uses a census, where questionnaires are distributed to the entire employee population of 113 people. Furthermore, the collected primary data were analyzed using Structural Equation Modeling (SEM) with a Partial Least Square (PLS) approach operated through the Smart PLS 3 application. The results of the hypothesis testing indicate that the variables of motivation and work discipline have a positive and significant effect on employee performance. Although showing a positive direction of influence, the variables of training and work environment were not proven to be statistically significant.
Co-Authors Hana Pratiwi, Atik Hengky Widhiandono, M.Si. S.E. Maulida Nurul Innayah Nur Saputri, Sylvia Purnadi, Purnadi Randikaparsa, Irawan Wida Purwidianti Wulandari, Nur Apni