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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis UBMJ (UPY Business and Management Journal) Jurnal Adijaya Multidisiplin Priviet Social Sciences Journal Journal of Business and Management Inaba EKOBIMA Ekonomi Bisnis dan Manajemen MBA Journal – Management, Business Administration, and Accounting Journal
Riani Winarni
Universitas Sains Indonesia
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Foreign Exchange Reserve Management And Economic Stability : A Case Study of Indonesia in Facing the Global Economic Slowdown Nisa Septiani; Iwan Setiawan; Riani Winarni
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.2913

Abstract

This study aims to analyze the role and management strategies of foreign exchange reserves in maintaining Indonesia’s economic stability amid the global economic slowdown. The global slowdown, driven by geopolitical uncertainty, monetary policy tightening, and financial market volatility, has exerted pressure on developing countries, including Indonesia, through trade, exchange rate, and capital flow channels. This study employs a qualitative approach with a case study method, utilizing secondary data from reports of the International Monetary Fund (IMF), World Bank, and publications from Bank Indonesia. Data analysis is conducted using content analysis. The results show that the global economic slowdown has led to declining export performance, exchange rate volatility, and fluctuations in capital flows in Indonesia. In this context, foreign exchange reserves play a strategic role as a shock absorber in mitigating external pressures. However, their effectiveness is determined not only by the level of reserves but also by adaptive and prudent management strategies. This study highlights that economic stability is also influenced by the synergy between monetary and fiscal policies, as well as the strengthening of the domestic economic structure.
The Integration Of Financial Technology, Financial Literacy, And Self-Control In Shaping Financial Well-Being: A Behavioral Finance Approach Among Millennials Nisa Septiani; Dina Yulia Wijaya; Riani Winarni
Journal of Business and Management Inaba Vol. 5 No. 1 (2026): Volume 5 Number 1, June 2026
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/f3pbqw61

Abstract

Digital financial platforms are becoming an important part of millennials’ daily financial activities, influencing how they make transactions and manage their finances. Although fintech offers convenience and accessibility, its increasing use is also associated with consumptive behavior and impulsive financial decision-making. This research focuses on understanding how technological, cognitive, and behavioral factors contribute to financial well-being among millennials. A phenomenological qualitative design was utilized to obtain deeper insights into millennials’ financial experiences in the digital era. Data was collected through in-depth interviews with millennials who actively use fintech services such as e-wallets, pay later facilities, and digital investment platforms. Selected participants who met the research criteria were involved in the study, and thematic interpretation was utilized to understand issues connected to financial behavior and financial well-being. The study indicates that fintech utilization simplifies digital financial activities, although excessive use may stimulate impulsive spending when individuals have limited financial understanding and weak behavioral regulation. Financial literacy contributes to improving the quality of financial decision-making, Individuals with stronger self-control tend to be more capable of controlling spontaneous spending behavior. Furthermore, the study demonstrates that financial well-being is formed through the interaction among technological, cognitive, and psychological factors. Millennials who are able to balance fintech utilization with financial understanding and behavioral control tend to exhibit better financial stability and financial well-being. The research offers an integrative perspective regarding financial behavior in digital financial environments. The findings also provide practical implications for improving financial literacy and promoting responsible fintech usage among millennials.
Inovasi Produk dan Model Bisnis Pestisida Ramah Lingkungan Berbasis tanaman lokal dalam meningkatkan Kesejahteraan Ekonomi Petani Pina Piona; Kiki Rizqi Ananda; Eka Septianus Nakiza; Tri Sanatha Wahyu Akbar; Riani Winarni; Yoki Muchsam
MBA Journal – Management, Business Administration, and Accounting Journal Vol. 2 No. 02 (2026): MBA Journal – Management, Business Administration, and Accounting Journal
Publisher : Universitas Sains Indonesia Publishing

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Abstract

Improving farmers’ economic welfare has become one of the main challenges in Indonesia’s agribusiness sector, particularly due to high agricultural production costs and dependence on synthetic chemical pesticides that negatively affect health and environmental sustainability. This study aims to develop both an innovative product and a sustainable business model for environmentally friendly botanical pesticides based on local resources in order to create economically valuable and sustainable business opportunities. The product utilizes soursop leaves (Annona muricata) and papaya leaves (Carica papaya) as the main raw materials, which are easily accessible and low-cost. This study employed a mixed methods approach through a combination of field trials, structured interviews, business feasibility analysis, and market potential analysis using the TAM-SAM-SOM method. Field trials were conducted with horticultural farmers in Cikole Village to evaluate product effectiveness and user acceptance. The results showed that this botanical pesticide innovation effectively reduced pest attacks, with 90% of respondents reporting significant reductions in pest infestation and all respondents stating that the product was easy to use and environmentally safe. From a business perspective, the product has an initial market potential (Serviceable Obtainable Market/SOM) in the Sukabumi, Cianjur, and Bogor regions estimated at approximately IDR 1.7 billion per year. Financial analysis indicates a high level of business feasibility, with an estimated monthly gross profit of IDR 534,500,000 and a payback period of approximately 5–6 months. The developed business model emphasizes the utilization of local resources, production cost efficiency, and partnership strategies involving farmers as both producers and consumers. The implications of this study indicate that the integration of product innovation and sustainability-based business models can increase agribusiness added value, strengthen farmers’ economic independence, and support sustainable agricultural practices. This study also contributes to the development of innovation and entrepreneurship literature in local resource-based agribusiness.
The effect of the 4Ps marketing mix and e-WOM on Gen Z consumers' purchasing decisions: A case study at Chalissa Studio in Cianjur Dhita Widya Ramadani; Yuli Novitasari; Riani Winarni
Priviet Social Sciences Journal Vol. 6 No. 2 (2026): February 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i2.1517

Abstract

This study aimed to evaluate how the 4Ps of the Marketing Mix and E-WOM influence Gen Z customers' purchasing behavior at Chalissa Studio. Using purposeful sampling, the quantitative method employed in this study involved administering a closed questionnaire to 100 participants. Instrument testing, classical assumption testing, multiple linear regression testing, hypothesis testing, and coefficient of determination testing (R2) were used to analyze the gathered data to ascertain the simultaneous and partial effects among variables. This research indicates that: (1) The product has a regression coefficient of 0.317 and a t-value of 12.672, both of which are positive and statistically significant; (2) Price has a substantial but unfavorable effect, as shown by the t-value of -13.079 and the regression coefficient of -0.810. (3) The location has a statistically significant and positive t-value of 2.080 and a regression coefficient of 0.044; (4) The regression coefficient for promotion is 0.272, and the t-value is 2.938, both of which are positive and statistically significant; (5) With a regression coefficient of 0.898 and a t-value of 16.974, which are both statistically significant and positive, E-WOM is said to be positive; (6) The 4P Marketing Mix and E-WOM with an F-value of 855.291; (7) The impact of the 4P Marketing Mix and E-WOM on purchase decisions is shown by the R Square value of 0.978, or 97.8%, with the other 2.2% being attributable to other factors not addressed in this research
Integrasi Strategi Pemasaran Digital dan Manajemen Keuangan: Studi Kasus pada UMKM di Indonesia Riani Winarni; Tri Sanatha Wahyu Akbar; Umban Adi Jaya; Galih Raspati; Septiani
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 2 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i2.2584

Abstract

Penelitian ini mengeksplorasi dinamika integrasi strategis antara pemasaran digital dan manajemen keuangan pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia dalam konteks transformasi digital. Melalui pendekatan library research dengan orientasi eksploratori-deskriptif, studi ini menganalisis secara komprehensif berbagai sumber primer terkini yang membahas fenomena adopsi teknologi digital dan implementasi manajemen keuangan pada UMKM Indonesia periode 2019-2024. Hasil penelitian mengidentifikasi bahwa meskipun terdapat kesadaran substansial terhadap urgensi transformasi digital di kalangan pelaku UMKM, variasi signifikan teridentifikasi dalam tingkat adopsi dan optimalisasi teknologi digital—dengan platform media sosial seperti Instagram, TikTok, dan Facebook menjadi instrumen dominan dalam strategi pemasaran. Dalam dimensi manajemen keuangan, literasi finansial dan implementasi sistem pencatatan terdigitalisasi terungkap sebagai determinan fundamental bagi keberlanjutan operasional. Interelasi antara pemasaran digital dan manajemen keuangan termanifestasi dalam adopsi sistem pembayaran digital, pengelolaan konten strategis berbasis efisiensi finansial, dan standardisasi proses bisnis terintegrasi. Model pengembangan kapasitas yang direkomendasikan mencakup pelatihan komprehensif, pendampingan berkelanjutan, kolaborasi ekosistemik, standardisasi proses, dan integrasi strategi mitigasi risiko. Implikasi strategis dari integrasi ini meliputi optimalisasi alokasi sumber daya, penguatan kapasitas pengambilan keputusan berbasis data integratif, konstruksi model bisnis responsif, peningkatan keberlanjutan finansial, dan akselerasi skalabilitas bisnis. Temuan ini berkontribusi pada pengembangan kerangka konseptual tentang transformasi digital UMKM dalam konteks negara berkembang dan menyediakan landasan empiris bagi formulasi kebijakan dan strategi bisnis yang memperkuat daya saing UMKM Indonesia di era digital.
The Role of Marketing Technology Adoption on Farmers’ Economic Sustainability through Market Access as a Mediating Variable Tri Sanatha Wahyu Akbar; Riani Winarni; Galih Raspati; Sri Rahayu; Dapit Suherman
UPY Business and Management Journal (UMBJ) Vol. 5 No. 1 (2026): UBMJ (UPY Business and Management Journal)
Publisher : Department of Management, Universitas PGRI Yogyakarta.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/ubmj.v5i1.8928

Abstract

Purpose: This study aims to analyze the effect of marketing technology adoption on farmers’ economic sustainability and to examine the mediating role of market access in strengthening this relationship. Methodology: A quantitative descriptive–associative approach was employed using 330 farmers selected through the Isaac & Michael sampling table from a population of 6,563. Data were collected through structured questionnaires and analyzed using path analysis with SPSS 27 to test both the direct and indirect effects of marketing technology adoption on economic sustainability through market access. Findings: The results show that marketing technology adoption significantly improves both market access and farmers’ economic sustainability. Market access also demonstrates a strong positive effect on economic sustainability and partially mediates the relationship between technology adoption and sustainability outcomes. These findings indicate that digital marketing tools become more impactful when they successfully expand farmers’ access to broader and more competitive markets, rather than functioning as isolated technological interventions. Originality: The novelty of this study lies in its analytical approach, which incorporates market access as a mediating mechanism linking marketing technology adoption to farmers’ economic sustainability. Unlike previous studies that examine these variables separately, this research provides empirical evidence on how digital adoption translates into economic benefits through improved market connectivity among smallholder farmers. Research limitations: This study is limited to farmers in Nagrak District, with data collected solely through questionnaires. This may not fully capture deeper behavioral, contextual, and technological adoption dynamics. Practical implications: The findings highlight the importance of integrating digital marketing initiatives with efforts to broaden market linkages. For policymakers and farmer institutions, strengthening e-commerce readiness, market networks, and digital literacy programs can significantly enhance farmers’ bargaining power and long-term economic sustainability
Pengaruh Pemasaran Media Sosial dan Word of Mouth terhadap Keputusan Pembelian: Studi pada Produk Kosmetik Wardah di Bekasi Sherra Adistiana Rizki Utami; Riani Winarni
Jurnal Adijaya Multidisplin Vol 4 No 04 (2026): Jurnal Adijaya Multidisiplin (JAM)
Publisher : PT Naureen Digital Education

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh media sosial dan word of mouth terhadap keputusan pembelian konsumen. Penelitian menggunakan metode kuantitatif dengan pendekatan asosiatif. Sampel penelitian berjumlah 96 responden yang dipilih menggunakan teknik purposive sampling. Pengumpulan data dilakukan melalui kuesioner dengan skala Likert lima tingkat, kemudian dianalisis menggunakan regresi linier berganda, uji t, uji F, dan koefisien determinasi dengan bantuan SPSS 25. Hasil penelitian menunjukkan bahwa media sosial berpengaruh positif dan signifikan terhadap keputusan pembelian dengan nilai t sebesar 2,839 dan signifikansi < 0,05. Word of mouth juga berpengaruh positif dan signifikan terhadap keputusan pembelian dengan nilai t sebesar 3,619 dan signifikansi < 0,05. Secara simultan, media sosial dan word of mouth berpengaruh signifikan terhadap keputusan pembelian, dengan nilai F sebesar 38,489 dan signifikansi 0,000 < 0,05. Nilai Adjusted R Square sebesar 0,511 menunjukkan bahwa media sosial dan word of mouth mampu menjelaskan 51,1% variasi keputusan pembelian, sedangkan 48,9% dipengaruhi oleh faktor lain di luar penelitian.
Co-Authors Ade Munhiar Atik Sari Bayu Prastiyo Nurdiana Dapit Suherman Dhita Widya Ramadani Dina Yulia Wijaya Eka Septianus Nakiza Eka Septianus Nakiza Fahrurrazi Fahrurrazi Fahrurrazi Fahrurrrazi Firly agustiansyah Galih Raspati Herni Herdiani Irma Shantilawati Iwan Setiawan Kiki Rizqi Ananda Mawih Melati Peronika Simanjuntak Muchsam, Yoki Muhammad Ferdiansyah Saef Al Rahman Mulfi Sandi Yuda Nisa Septiani Pina Piona Rizki Chrisulianti Septiani Septiani, Nisa Sherra Adistiana Rizki Utami Sri Rahayu Suryadi Tri Sanatha Wahyu Akbar Tri Sanatha Wahyu Akbar Umban Adi Jaya Yuli Novitasari Yuyun Yuniati Yuningsih