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All Journal Ascendia: Journal of Economic and Business Advancement
Melani Simanjuntak
Politeknik Negeri Medan
Economics, Econometrics & Finance

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Determinan Perilaku Menabung di Kalangan Mahasiswa Perguruan Tinggi di Indonesia Isabella Magdalena Simbolon; Mahda Aidil Hanafi; Melani Simanjuntak
Journal of Economic and Business Advancement Vol. 1 No. 2 (2025): December: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/rref1w90

Abstract

Student savings behavior is an important indicator in the formation of financial independence and long-term economic readiness among the younger generation. This study aims to examine the determinants of college students' saving behavior in Indonesia by analyzing the role of financial literacy, self-control, social environment, family economic conditions, and the influence of financial digitalization. The research method used is a qualitative approach through a literature study by systematically analyzing various accredited national journal articles, scientific proceedings, and relevant institutional publications. The results and discussion show that financial literacy is a fundamental factor that shapes students' understanding and attitudes towards financial management, while self-control functions as an internal mechanism that maintains consistency in saving behavior amid consumptive pressures and peer influence. Family and social environments also play a role in shaping students' financial habits, while financial digitalization presents opportunities and challenges depending on individuals' literacy and self-control capacities. This study concludes that students' saving behavior is influenced by the multidimensional interaction between cognitive, psychological, social, and structural factors.
Analisis Peran Ulasan Konsumen dalam Membangun Kepercayaan terhadap Brand di Platform E-Commerce Indonesia Annisa Bilkhisti; Hopkyn Lumbanbatu; Seyla Ratna Sari Simanjuntak; Melani Simanjuntak
Journal of Economic and Business Advancement Vol. 1 No. 3 (2026): March: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/cc0z8a51

Abstract

This study examines the role of consumer reviews in building brand trust on e-commerce platforms in Indonesia, where online transactions rely heavily on digital information. Consumer reviews function not only as sources of product evaluation but also as signals that reduce perceived risk and uncertainty in online shopping environments. Using a quantitative approach, this research analyzes how review quality, credibility, and valence influence consumer trust toward brands. The findings indicate that informative, credible, and experience-based reviews significantly strengthen brand trust, which subsequently affects purchase intention and repeat buying behavior. Trust emerges as a mediating factor that connects online reviews with consumer decision-making processes. Furthermore, the study highlights that the accumulation of consistent reviews contributes to long-term brand equity in digital marketplaces. These results reinforce the importance of strategic review management for e-commerce businesses aiming to maintain competitiveness and customer loyalty. The study provides practical implications for brand managers in optimizing review features as part of relationship-building efforts with consumers in the Indonesian e-commerce context.
Co-Authors Annisa Bilkhisti Hopkyn Lumbanbatu Isabella Magdalena Simbolon Mahda Aidil Hanafi Seyla Ratna Sari Simanjuntak