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p-Index From 2021 - 2026
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Rika Yuliyanti
Universitas Sari Mulia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Perceived Luxury Value dan Pengaruhnya Terhadap Minat Beli Pada Restoran Mewah di Banjarmasin Kalimantan Selatan Adista Anjar Diany; Muhammad Risanta; Rika Yuliyanti
eCo-Buss Vol. 7 No. 3 (2025): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v7i3.2289

Abstract

Restaurants play a role as food providers for the community to fulfil basic human needs. The number of middle to upper class restaurants is also increasing, making companies have to focus on increasing the value of their products. Perceived luxury value is a concept that is an adaptation of customer perceived value. This study aims to determine the effect of functional value, hedonic value, financial value and social influence on purchase intention in luxury restaurants Banjarmasin. The sampling method is non-probability sampling, because the number of luxury restaurant consumers is unknown. The sampling technique was purposive sampling, with 140 respondents. Data analysis using the Structural Equation Model (SEM) method with SMARTPLS 4. Functional value and hedonic value have no significant effect on purchase intention. Meanwhile, financial value and social influence have a significant influence on consumer buying interest in Banjarmasin luxury restaurants. Future research can conduct research on luxury restaurants, especially in other areas, conduct research on other luxury services, and increase the number of respondents.
Pengaruh Literasi Digital, Promosi, Citra Merek, dan Kepercayaan Terhadap Keputusan Mahasiswa STIE Pancasetia Menggunakan Bank Digital Nico Kosasih; Rika Yuliyanti; Aulia Helmina Putri
eCo-Fin Vol. 7 No. 2 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i2.2557

Abstract

According to a report by Bank Indonesia, in the third quarter of 2023, e-money usage increased by 10.34% year-on-year, reaching IDR 116.54 trillion. Meanwhile, digital banking transactions grew by 12.83% year-on-year, amounting to IDR 15,148.71 trillion. One of the key factors driving the rise of digital banking is the behavior of millennials, who are accustomed to the ease and convenience of mobile transactions. This study aims to investigate the influence of digital literacy, promotion, brand image, and trust on the decision of STIE Pancasetia students to use digital banking services. This quantitative research involved a sample of 100 STIE Pancasetia students. The sampling technique applied was non-probability purposive sampling, requiring participants to be students of STIE Pancasetia who are also users of digital banking services. Data analysis was conducted using multiple linear regression, with hypothesis testing performed through F-tests and t-tests. The results indicated that promotion, trust, and brand image each have a significant partial effect on the decision to use digital banking.
Sosial Media Influencer : Trust, Engagement, dan Credibility Terhadap Keputusan Pembelian Produk Kosmetik Merek Lokal Pada Generasi Milenial di Banjarmasin Adista Anjar Diany; Rika Yuliyanti
eCo-Fin Vol. 7 No. 3 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i3.3165

Abstract

The remarkable advancement of social media technologies as a promotional platform has transformed influencers into key agents in shaping consumer behaviour, particularly noticeable among Millennials and Generation Z. In Indonesia, the rise of local cosmetic brands has been closely tied to the effectiveness of influencer marketing strategies in building consumer trust and engagement. This research seeks to examine how trust, engagement, and credibility of social media influencers affect the purchase decisions of Millennial consumers toward local cosmetic products in Banjarmasin. A quantitative research approach was employed using a non-probability sampling technique, specifically purposive sampling. The study involved 290 Millennial respondents in Banjarmasin who had previously purchased local cosmetic products based on influencer recommendations. This study utilized an online questionnaire for data collection, and the obtained data were analyzed using the PLS approach through SmartPLS version 3.0. The study concludes that building consumer trust and fostering active engagement between influencers and audiences are crucial strategies for enhancing purchase intentions toward local cosmetic brands. This highlights the importance of authenticity and emotional connection in influencer marketing for targeting Millennial consumers.
Pengaruh Literasi Keuangan dan Literasi Digital Terhadap Minat Mahasiswa Universitas Sari Mulia Menggunakan Bank Digital Rika Yuliyanti; Suzi Suzana; Adista Anjar Diany
eCo-Fin Vol. 8 No. 1 (2026): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v8i1.3674

Abstract

Digital banks emerged as a response from commercial banks to the development of information technology and people's lifestyles in the digital era. The existence of digital banks in Indonesia is demonstrated by the increase in digital bank users from 2021 to 2033 and is predicted to continue to increase until 2026. The development of the digital financial services industry can pose a threat to communities with minimal financial and digital literacy. The purpose of this study was to investigate the influence of financial and digital literacy on the interest of Sari Mulia University students in using digital banks. This study was quantitative, involving 100 respondents. Respondents were selected using simple random sampling techniques. Data were analysed using multiple linear regression techniques. Hypotheses were tested through F-tests and t-tests. The results of the study stated that financial literacy and digital literacy influenced the interest of Sari Mulia University students in using digital banks.
Co-Authors Adista Anjar Diany Aulia Helmina Putri Muhammad Risanta Nico Kosasih Suzi Suzana