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International Journal of Applied Finance and Business Studies
Published by Trigin Institute
ISSN : 23383631     EISSN : 28099982     DOI : https://doi.org/10.35335/ijafibs
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
International Journal of Applied Finance and Business Studies is published with both online and print versions devoted to provide the publication of research finding in finance and business research studies. Objectives The main goal of ijafibs is to present outstanding, high quality research developments in all areas of finance and business research to a broad audience of academicians and professionals.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 334 Documents
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Understanding generation z financial planning through literacy, lifestyle and socioeconomic factors Natalia Setia; Fida Oktafiani
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.499

Abstract

This study aims to examine how financial literacy, parental socioeconomic status, and consumptive lifestyle influence the financial planning behavior of Generation Z in Surabaya Financial planning has become increasingly important for Generation Z due to the rapid growth of the digital economy and changing consumption patterns. This study uses a quantitative method with an explanatory research approach. The data collection technique was carried out through the distribution of questionnaires to 97 Generation Z respondents in Surabaya who were selected using a simple random sampling technique. The analysis was conducted with SPSS version 23, including validity and reliability tests, descriptive statistics, classical assumption tests, multiple linear regression, as well as t-test and F-test. The results show that parental socioeconomic status and consumptive lifestyle do not have a significant partial effect on financial planning. However, when tested simultaneously, financial literacy, parental socioeconomic status, and consumptive lifestyle together influence Generation Z’s financial planning in Surabaya. Financial literacy is the most dominant variable in influencing financial planning. The findings of this study show the importance of increasing financial literacy for the younger generation to be able to manage finances in a more wise, planned, and oriented manner towards financial welfare in the future.
The influence of product quality, brand image, and electronic word of mouth on purchase decisions of Glad2Glow products on tiktok shop in Batam city Jesvabbyona Jesvabbyona; Alice Erni Husein
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.500

Abstract

This study examines the influence of Product Quality, Brand Image, and Electronic Word of Mouth (E-WOM) on consumers’ Purchase Decisions regarding Glad2Glow products on TikTok Shop in Batam City. A quantitative approach was employed using a survey method, with data collected from 100 respondents selected through purposive sampling. Primary data were obtained through questionnaires measured using a five-point Likert scale and analyzed using multiple linear regression with SPSS 26. The results indicate that Product Quality, Brand Image, and E-WOM each have a positive and significant effect on Purchase Decisions. Product Quality significantly enhances consumer confidence through product durability, material quality, conformity with product descriptions, and performance. Brand Image positively affects purchasing behavior by strengthening consumer trust and perceptions of brand superiority and uniqueness. E-WOM exerts the strongest influence, demonstrating the importance of online reviews, recommendations, and digital interactions in shaping consumer decisions. Simultaneous testing confirms that Product Quality, Brand Image, and E-WOM collectively have a significant effect on Purchase Decisions. The coefficient of determination shows that these variables explain 89.3% of the variance in Purchase Decisions, while 10.7% is explained by other factors not included in the model. The findings highlight the importance of maintaining product quality, strengthening brand image, and optimizing positive E-WOM strategies to improve consumer purchasing decisions in digital marketplace environments.
The influence of perceived emotional value and visual packaging on purchase intention toward Garnier cosmetics in Batam city Fitri Anita Simangunsong; Alice Erni Husein
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.501

Abstract

This study examines the influence of visual packaging and perceived emotional value on consumers’ purchase intention toward Garnier cosmetics in Batam City. A quantitative approach with a cross-sectional survey design was employed using structured questionnaires distributed to 100 Garnier consumers selected through purposive sampling. Data were analyzed using descriptive statistics, validity and reliability tests, classical assumption tests, multiple linear regression, coefficient of determination analysis, and hypothesis testing. The findings indicate that visual packaging and perceived emotional value are perceived positively by consumers and significantly affect purchase intention. Visual packaging has a positive and significant effect on purchase intention (β = 0.232; t = 2.685; p = 0.009), while perceived emotional value exerts a stronger positive and significant effect (β = 0.764; t = 8.345; p = 0.000). Simultaneously, both variables significantly influence purchase intention (F = 327.090; p = 0.000) and explain 86.8% of the variance in purchase intention (Adjusted R² = 0.868). These results demonstrate that attractive packaging and positive emotional experiences play important roles in strengthening consumer buying interest, with perceived emotional value emerging as the dominant determinant of purchase intention toward Garnier cosmetics in Batam City.
The effect of financial literacy and financial technology on students’ financial behavior, with self-control as a moderating variable Ovaldus Lamput; Fida Oktafiani
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.503

Abstract

The purpose of this study is to determine how financial literacy and financial technology influence students’ financial behavior. In addition, this study examines whether the psychological factor of self-control affects the interaction between financial literacy, financial technology, and students’ financial behavior. This study uses primary data gathered via a questionnaire and takes a quantitative approach. The sampling technique applied in this study is purposive sampling, involving 98 student respondents. The data were analyzed using IBM SPSS Statistics through the Moderated Regression Analysis (MRA) method. Based on the analysis of the processed data, the results indicate that the independent variables financial literacy and financial technology have a positive and significant effect on the dependent variable, which is students’ financial behavior. Meanwhile, the psychological factor of self-control does not influence the interaction between the independent and dependent variables.
The influence of health perception and brand image on le mineral purchases Rival Jene; Gogi Kurniawan
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.504

Abstract

Increasing public awareness of the importance of health and increasingly fierce competition in the bottled water industry help companies study the characteristics of potential buyers. This study was conducted to examine the reasons behind the purchasing decisions of Le Mineral products among students of STIE YAPAN Surabaya. This study used a quantitative approach involving 143 respondents selected through a purposive sampling technique. Data testing from this study used SPSS with multiple linear analysis. The results of the analysis show Health Perception and Brand Image significantly contribute to purchasing decisions, both partially and simultaneously. Brand Image proved to be a more influential factor than Health Perception in influencing consumer purchasing decisions. Furthermore, the research model was able to explain 58.2% of the variation in purchasing decisions, with the remainder coming from variables not discussed in this study. This finding is important as companies strive to pay more attention to image as a basis for consumer evaluation.
Analyzing employee turnover risk to strengthen data-driven human resource retention strategies Feti Arman
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.506

Abstract

Employee turnover remains a strategic challenge in human resource management because it affects workforce stability, recruitment costs, productivity, and long-term organizational sustainability. This study aims to analyze employee turnover risk and translate predictive analytics results into data-driven human resource retention strategies. A quantitative predictive analytics approach was applied using the IBM HR Analytics Employee Attrition and Performance dataset, consisting of 1,470 employee records. Data were processed using RapidMiner through attribute selection, nominal-to-binominal transformation, role assignment, nominal-to-numerical conversion, 10-fold cross-validation, and model evaluation. Four models were examined: Naive Bayes, Decision Tree, Random Forest, and Gradient Boosted Trees. The evaluation used accuracy, precision, recall, F1-score, AUC, and confusion matrix, with emphasis on the Attrition = Yes class as the main indicator of turnover risk. The results show that Gradient Boosted Trees provided the most balanced performance, achieving 84.49% accuracy, 52.04% precision, 48.52% recall, 50.22% F1-score, and 0.796 AUC. These findings indicate that predictive analytics can support early identification of employees requiring targeted retention interventions. This study contributes to HR analytics literature by positioning predictive modeling as a managerial decision-support tool for retention planning. Future research should use actual organizational data, longitudinal designs, and explainable AI methods to improve model interpretability and application.
Determinants of financial recording behavior in MSMEs: The role of digital accounting literacy, self-efficacy, mental accounting, and financial discipline Novi Handayani Simbolon; Zulaikha Rahimah; Amelia Novizar; Arlina Pratiwi Purba
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

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

Abstract

This research investigates why MSME owners differ in their willingness to maintain systematic financial records. Using a behavioral accounting perspective, the study links digital accounting literacy, self-efficacy, mental accounting, and financial discipline to financial recording behavior. Data were obtained from 212 MSME owners and managers and processed using Partial Least Squares Structural Equation Modeling. The findings show that digital accounting literacy, self-efficacy, and mental accounting strengthen financial discipline and directly improve financial recording behavior. Financial discipline also becomes the strongest predictor of recording behavior and mediates the effects of the three antecedent variables. The model explains 58.7% of financial discipline and 68.4% of financial recording behavior. These results suggest that MSME bookkeeping practice depends not only on accounting knowledge or digital tools, but also on confidence, money separation habits, and repeated financial routines.
The effect of digital readiness and technology acceptance on smart farming adoption in agribusiness management Leny Rudihartati
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.508

Abstract

This study examines the effect of digital readiness and technology acceptance on smart farming adoption intention and agribusiness management performance in Lampung Province, Indonesia. The agribusiness aspects examined in this study focus on operational efficiency, productivity, resource management, supply chain coordination, and market access. A quantitative explanatory design was applied using survey data from 150 respondents consisting of farmers, agribusiness actors, farmer group managers, agricultural extension agents, and agribusiness-related students or academics with relevant knowledge of digital agricultural technology. The research model includes Digital Readiness, Perceived Usefulness, and Perceived Ease of Use as antecedent variables, Smart Farming Adoption Intention as a mediating variable, and perceived Agribusiness Management Performance as the outcome variable. Data were analyzed using Partial Least Squares Structural Equation Modeling. The results show that digital readiness, perceived usefulness, and perceived ease of use significantly influence smart farming adoption intention. Adoption intention also significantly improves agribusiness management performance and mediates the relationship between digital readiness, technology acceptance, and performance. Perceived usefulness is the strongest driver of adoption intention, indicating that agribusiness actors are more willing to adopt smart farming when they perceive clear managerial benefits. This study contributes to technology acceptance literature by positioning smart farming adoption as a managerial transformation process, not only as a technological decision.
The influence of academic adminisrative service quality on student satisfaction: Evidence from undergraduate students a Universitas Kristen Maranatha Syaepudin Syaepudin; Tengku Ine Hendriana; Rini Ratnaningsih; Ervie Nur Afifa Mukhlis; Tuti Sulastri
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.514

Abstract

The quality of academic administrative services plays a significant role in shaping students’ educational experiences and satisfaction levels. As one of the key indicators of institutional performance, effective academic administration contributes to the overall quality of higher education services. Despite extensive research on service quality and student satisfaction, limited studies have specifically examined academic administrative services within creative higher education programs, where administrative support is closely linked to students' academic experiences and learning processes. This study investigates the effect of academic administrative service quality on student satisfaction in the Visual Communication Design Undergraduate Program at Universitas Kristen Maranatha, Indonesia. A quantitative approach was employed using questionnaire-based data collection. The respondents consisted of 100 active undergraduate students representing the 2020–2023 cohorts. Data were analyzed using descriptive statistic validity and reavility tests, normality testing, and simple linear regression analysis The findings reveal a strong and statistically significant relationship between academic administrative service quality and student satisfaction. The coefficient of determination indicates that service quality explains 86.8% of the variation in student satisfaction. These findings highlight the strategic role of academic administrative services in enhancing student experiences and provide empirical evidence to support service quality improvement initiatives in higher education institutions, particularly in specialized academic programs. Therefore, the study confirms that improvements in academic administrative services contribute positively to higher levels of student satisfaction.
Improving employee performance with authentic leadership through job satisfaction Ahmad Ghoni; Karsikah Karsikah; Didit Haryadi
International Journal of Applied Finance and Business Studies Vol. 14 No. 1 (2026): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v14i1.515

Abstract

This study analyzes the influence of authentic leadership on employee performance with job satisfaction as a mediating variable in the Dream Wear Cooperative. The research gap can be seen from the inconsistency of previous study results related to the direct influence of authentic leadership on performance, as well as the limited research in the context of cooperatives compared to the banking and manufacturing sectors. This points to the need for more comprehensive testing of mediation models. This study used a causal quantitative approach with 115 respondents through saturated sampling techniques. The analysis was carried out using PLS-SEM SmartPLS 4.1. The results showed that authentic leadership had a significant effect on employee performance (original sample = 0.190, t-stats = 2.387, p = 0.017) and job satisfaction (original sample = 0.311, t-stats = 3.009, p = 0.003). Job satisfaction also had a significant effect on employee performance (original sample = 0.556, t-statistics = 7.475; p = 0.000). These findings confirm that job satisfaction plays an important role as a mediator that strengthens the influence of authentic leadership on employee performance. The novelty of the research lies in the testing of the mediation model in the context of cooperatives which is still rarely researched and the affirmation of the dominance of the role of job satisfaction in explaining the improvement of employee performance.

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