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All Journal Jurnal Riset Multidisiplin Edukasi
Diana Afriliana
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Efek FOMO dalam Kampanye Flash Sale E-Commerce terhadap Perilaku Impulsif Konsumen: Studi Kuantitatif pada Generasi Muda Indonesia Fadali Rahman; Umi Wahyuni; Diana Afriliana; Nurmalina Anastasya; Nur Laili
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 12 (2025): Jurnal Riset Multidisiplin Edukasi (Edisi Desember 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i12.1347

Abstract

This study provides an in-depth examination of the influence of Fear of Missing Out (FOMO) on consumers’ impulsive buying behavior during e-commerce flash sale campaigns, focusing on Indonesia’s digitally active youth. Employing a quantitative approach, data were collected from 100 respondents aged 18–35 via a Likert-scale questionnaire and analyzed using simple linear regression. The results reveal a positive and significant effect of FOMO on impulsive behavior (b = 0.678, Sig. = 0.000, R² = 0.462), reinforcing the Stimulus–Organism–Response (SOR) model, with FOMO acting as a psychological mediator between promotional strategies and consumer responses. These findings not only deepen theoretical understanding of psychological dynamics in digital marketing but also offer practical implications for e-commerce practitioners in designing ethical, effective, and sustainable campaigns. The study highlights the need for balancing promotional urgency with consumer literacy and opens avenues for further exploration into the interplay between digital social pressure and spontaneous purchasing decisions.
Transformasi Perbankan dan Lembaga Keuangan di Indonesia: Sinergi Konvensional, Syariah, dan Non-Bank dalam Mewujudkan Keadilan Distributif di Era Digital Achmarul Fajar; Diana Afriliana; Nur Laili; Nurmalina Anastasya
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 7 (2026): Jurnal Riset Multidisiplin Edukasi (Juli 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i7.2373

Abstract

This study aims to analyze the role of conventional banking, Islamic banking, and non-bank financial institutions in supporting Indonesia's economic development, particularly in the context of distributive justice and digital transformation. This research employs a literature review approach by examining regulations, academic journals, and industry reports. The findings reveal that Islamic banks are oriented towards justice and falah principles, conventional banks are profit-oriented through interest-based systems, while non-bank financial institutions expand financial access through insurance, cooperatives, capital markets, and fintech. The synergy of these three institutions, supported by the Financial Services Authority (OJK), is crucial in realizing an inclusive, fair, and sustainable financial system.
Co-Authors Achmarul Fajar Nur Laili Nurmalina Anastasya Rahman, Fadali Umi Wahyuni