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Rahmawati Azizah -
Sekolah Tinggi Ilmu Ekonomi Al-Madani

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The INFLUENCE OF FINANCIAL LITERACY, MOTIVATION, AND SOCIAL ENVIRONMENT ON SAVING DECISIONS: PENGARUH FINANCIAL LITERACY, MOTIVATION, DAN SOCIAL ENVIRONMENT TERHADAP KEPUTUSAN MENABUNG Risti Gusmirah; Rahmawati Azizah -; Syara Purnama Sari; Shafitranata Shafitranata
Jurnal Inovasi, Keuangan, Manajemen dan Akuntansi Vol 1 No 1 (2025): Jurnal Infinity Juli 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Al-Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65894/joinfinity.v1i1.3

Abstract

Saving is one of the main points for building a profitable economy, this is because it can be useful as an emergency fund or to avoid unexpected expenses. The decision to save is a choice for many people in allocating their finances to whom, meaning that saving can be done by anyone, including students. The aim of this research is to examine the influence of financial literacy, motivation and social environment on savings decisions made by students in Bandar Lampung City. This research uses quantitative data, with a questionnaire distributed via Google Form. The amount of data used was 130 respondents. The sampling technique is probability sampling using simple random sampling. Multiple linear regression data analysis method using SPSS 26 software. The research results show that motivation and social environment have a significant effect on the decision to save, while financial literacy has no effect on the decision to save for students in Bandar Lampung City.
PENGARUH INOVASI PRODUK, KUALITAS PRODUK DAN DESAIN KEMASAN TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK WARDAH: PENGARUH INOVASI PRODUK, KUALITAS PRODUK, DAN DESAIN KEMASAN TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK WARDAH Natasha Maharani; Rahmawati Azizah -; Arseta Yudha Lesmana; Ria Octavia
Jurnal Inovasi, Keuangan, Manajemen dan Akuntansi Vol 1 No 1 (2025): Jurnal Infinity Juli 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Al-Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65894/joinfinity.v1i1.4

Abstract

This study aims to examine the effect of product innovation, product quality, and packaging design on the purchase decision of Wardah cosmetic products in Bandar Lampung. The type of research used is quantitative research. The data utilized are primary data, obtained from the results of a questionnaire. Data collection was conducted by distributing the questionnaire to 150 individuals. The respondent criteria included consumers who had purchased and used Wardah cosmetics within the last 6 months and were at least 17 years old. The data collection method employed non probability sampling, with the purposive sampling technique used to select participants. Data were processed and analyzed using SmartPLS version 3 and SPSS version 23 to examine respondent characteristics. The results of this study indicate that product quality and packaging design have a significant effect on purchase decisions, while product innovation does not affect purchase decisions. The limitations of this study include only distributing the questionnaire in Bandar Lampung and that the results show that product innovation does not influence purchase decisions, indicating that there is no interrelationship between the variables studied.