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Umi Nurhayati
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Novera: Journal of Economics and Business
Published by PT Bina Perfidia Akademia
ISSN : -     EISSN : 31643000     DOI : 10.67964
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Novera: Journal of Economics and Business is an international peer-reviewed journal that publishes original research articles, review articles, conceptual papers, and case studies in the fields of economics and business. The journal aims to advance scholarly understanding of economic development, business innovation, and organizational performance by disseminating high-quality research that addresses contemporary economic and business issues from local, national, regional, and global perspectives. Scope The journal publishes manuscripts in, but is not limited to, the following areas: Economics Business and Management Accounting Finance and Banking Entrepreneurship Marketing Development Economics
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Articles 5 Documents
 1 
QRIS adoption and its implications for MSME business performance: A case study of Taman Bojana Kudus Muhammad Fatichul Falach; Musa Yahuza Danhausa
Novera: Journal of Economics and Business Vol. 1 No. 1 (2026): Novera: Journal of Economics and Business
Publisher : PT Bina Perfidia Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67964/qcxw5a32

Abstract

The adoption of the Quick Response Code Indonesian Standard (QRIS) among MSMEs has continued to increase; however, most studies have focused on adoption rates or income effects, leaving limited understanding of how QRIS creates business value through improved business performance. This study aims to analyze the QRIS adoption process and its implications for MSME business performance at Taman Bojana Kudus. A qualitative case study approach was employed through interviews, observations, and documentation involving three MSME owners and two consumers selected using purposive sampling. Data were analyzed using the Miles, Huberman, and Saldaña interactive model. The findings reveal that QRIS adoption is driven by perceived benefits, changing consumer preferences, and operational efficiency needs. QRIS improves transaction efficiency, service quality, consumer convenience, and business competitiveness, thereby contributing to gradual improvements in business performance. This study contributes to the digital payment literature by explaining the mechanism of business value creation through QRIS implementation among MSMEs. Abstrak Adopsi Quick Response Code Indonesian Standard (QRIS) pada UMKM terus meningkat, tetapi sebagian besar penelitian masih berfokus pada tingkat adopsi atau pengaruhnya terhadap pendapatan, sehingga mekanisme QRIS dalam menciptakan nilai bisnis melalui peningkatan kinerja usaha masih relatif terbatas dikaji. Penelitian ini bertujuan untuk menganalisis proses adopsi QRIS serta implikasinya terhadap kinerja usaha UMKM di Taman Bojana Kudus. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus melalui wawancara, observasi, dan dokumentasi terhadap tiga pelaku UMKM dan dua konsumen yang dipilih menggunakan purposive sampling. Data dianalisis menggunakan model interaktif Miles, Huberman, dan Saldaña. Hasil penelitian menunjukkan bahwa adopsi QRIS didorong oleh persepsi manfaat, perubahan preferensi konsumen, dan kebutuhan akan efisiensi operasional. Penggunaan QRIS meningkatkan efisiensi transaksi, kualitas pelayanan, kenyamanan konsumen, dan daya saing usaha, sehingga secara bertahap berkontribusi terhadap peningkatan kinerja usaha. Penelitian ini berkontribusi pada kajian pembayaran digital dengan menjelaskan mekanisme penciptaan business value melalui implementasi QRIS pada UMKM.
The effect of fear of missing out and sales promotion on virtual goods impulse buying: The mediating role of positive emotion among Roblox users Helga Tabina Putri Alifah; Bukar Isa Gamawa
Novera: Journal of Economics and Business Vol. 1 No. 1 (2026): Novera: Journal of Economics and Business
Publisher : PT Bina Perfidia Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67964/q7m5fw20

Abstract

The rapid growth of virtual goods transactions on digital gaming platforms has increased impulsive buying behavior, yet the mediating role of positive emotion in the relationship between Fear of Missing Out (FOMO), sales promotion, and impulsive buying remains underexplored. This study aims to examine the direct effects of FOMO and sales promotion on Robux impulsive buying among Roblox users and to investigate the mediating role of positive emotion. A quantitative approach was employed using data from 251 Roblox users who had purchased Robux, which were analyzed through path analysis and the Sobel Test. The findings reveal that FOMO, sales promotion, and positive emotion have positive and significant effects on impulsive buying, while positive emotion significantly mediates the effects of FOMO and sales promotion on impulsive buying. This study contributes to the digital consumer behavior literature by demonstrating that positive emotion serves as the psychological mechanism linking social and marketing stimuli to impulsive buying in virtual goods consumption. Abstrak Perkembangan transaksi virtual goods pada platform permainan digital meningkatkan kecenderungan impulsive buying, namun mekanisme yang menjelaskan peran positive emotion dalam memediasi pengaruh Fear of Missing Out (FOMO) dan sales promotion masih belum banyak dikaji. Penelitian ini bertujuan menganalisis pengaruh langsung FOMO dan sales promotion terhadap impulsive buying Robux pada pengguna Roblox serta menguji peran mediasi positive emotion. Penelitian menggunakan pendekatan kuantitatif dengan melibatkan 251 pengguna Roblox yang pernah membeli Robux, kemudian dianalisis menggunakan path analysis dan Sobel Test. Hasil penelitian menunjukkan bahwa FOMO, sales promotion, dan positive emotion berpengaruh positif dan signifikan terhadap impulsive buying, sedangkan positive emotion terbukti memediasi pengaruh FOMO dan sales promotion terhadap impulsive buying. Penelitian ini berkontribusi pada pengembangan kajian perilaku konsumen digital dengan menegaskan positive emotion sebagai mekanisme psikologis yang menghubungkan stimulus sosial dan pemasaran dalam pembentukan perilaku pembelian impulsif pada virtual goods.
Constructing Islamic economic principles to control consumptive lifestyles in the digital era Umi Nurhayati; Nida Qahtan Fattah
Novera: Journal of Economics and Business Vol. 1 No. 1 (2026): Novera: Journal of Economics and Business
Publisher : PT Bina Perfidia Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67964/ng14rj88

Abstract

Consumptive lifestyles are increasingly shaped by digital consumption, self-reward, trends, and status-oriented purchases, while previous studies tend to separate discussions of consumerism from Islamic consumption principles. This study aims to construct Islamic economic principles as boundaries and orientations for controlling consumptive lifestyles. A qualitative library research approach was employed by synthesizing literature on contemporary consumer behavior and Islamic economics, supported by an illustrative calculation of the Average Propensity to Consume (APC). The findings show that consumerism is determined not merely by the type or amount of expenditure, but by consumption motives, proportionality, benefit, wastefulness, and financial consequences. Five principles—maslahah, wasatiyyah, isrāf, tabdhīr, and ḥifẓ al-māl—are constructed to distinguish rational, moderate, consumptive, and excessive consumption. The study contributes a conceptual construction that integrates economic indicators with Islamic normative principles. Abstrak Gaya hidup konsumtif semakin berkembang melalui konsumsi digital, self-reward, tren, dan pembelian berbasis status, sementara kajian terdahulu cenderung memisahkan pembahasan perilaku konsumtif dari prinsip konsumsi Islam. Penelitian ini bertujuan mengonstruksikan prinsip ekonomi Islam sebagai batas dan orientasi untuk mengendalikan gaya hidup konsumtif. Penelitian menggunakan pendekatan kualitatif dengan desain studi kepustakaan melalui sintesis literatur mengenai perilaku konsumsi modern dan ekonomi Islam, yang didukung oleh perhitungan ilustratif Average Propensity to Consume (APC). Hasil penelitian menunjukkan bahwa konsumtivisme tidak ditentukan semata-mata oleh jenis barang atau besarnya pengeluaran, tetapi oleh motif konsumsi, proporsi, kemanfaatan, pemborosan, dan konsekuensi finansial. Lima prinsip, yaitu maslahah, wasatiyyah, isrāf, tabdhīr, dan ḥifẓ al-māl, dikonstruksikan untuk membedakan konsumsi yang rasional, moderat, konsumtif, dan berlebihan. Kontribusi penelitian terletak pada konstruksi konseptual yang mengintegrasikan indikator ekonomi dengan prinsip normatif Islam.
Pleasure as a mediator of economic benefit and online impulse buying among Generation Z TikTok Live users in Semarang Labib Ikhsan Putrantino; Fatimah Bala Haladu
Novera: Journal of Economics and Business Vol. 1 No. 1 (2026): Novera: Journal of Economics and Business
Publisher : PT Bina Perfidia Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67964/pv7nmm75

Abstract

Live commerce increasingly encourages impulse buying, yet the effect of economic benefit on online impulse buying remains inconsistent, while the emotional mechanism of pleasure requires further clarification. This study aims to examine the effect of economic benefit on online impulse buying and the mediating role of pleasure among Generation Z users of TikTok Live Streaming in Semarang. Using a quantitative explanatory approach, data were collected from 130 respondents selected through purposive sampling and analyzed using PLS-SEM with SmartPLS 4. The results show that economic benefit has no significant direct effect on online impulse buying (β = 0.186; p = 0.072), but significantly affects pleasure (β = 0.562; p < 0.001), which subsequently influences online impulse buying (β = 0.400; p < 0.001). The indirect effect is also significant (β = 0.225; p < 0.001). These findings demonstrate that pleasure functions as an emotional mechanism through which economic benefit is translated into online impulse buying. Abstrak Perdagangan berbasis siaran langsung semakin mendorong pembelian impulsif, tetapi pengaruh economic benefit terhadap online impulse buying belum konsisten dan mekanisme emosional pleasure masih perlu diperjelas. Penelitian ini bertujuan menganalisis pengaruh economic benefit terhadap online impulse buying serta menguji peran pleasure sebagai mediator pada Generasi Z pengguna TikTok Live Streaming di Semarang. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan 130 responden yang dipilih secara purposive sampling dan dianalisis menggunakan PLS-SEM melalui SmartPLS 4. Hasil menunjukkan bahwa economic benefit tidak berpengaruh langsung terhadap online impulse buying (β = 0,186; p = 0,072), tetapi berpengaruh positif terhadap pleasure (β = 0,562; p < 0,001), yang selanjutnya berpengaruh terhadap online impulse buying (β = 0,400; p < 0,001). Efek mediasi juga signifikan (β = 0,225; p < 0,001). Temuan ini menegaskan bahwa pleasure berfungsi sebagai mekanisme emosional yang menerjemahkan manfaat ekonomi menjadi pembelian impulsif.
Constructing the value, ownership, and consumption of virtual goods from an Islamic economic perspective Muhammad Fajar Noor Khamdani; Muhammad Royhan
Novera: Journal of Economics and Business Vol. 1 No. 1 (2026): Novera: Journal of Economics and Business
Publisher : PT Bina Perfidia Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67964/m0vb9x10

Abstract

The emergence of virtual goods has created a new form of consumption involving real economic expenditure on intangible digital objects, while studies specifically constructing virtual goods consumption from an Islamic economic perspective remain limited. This study aims to construct a concept of virtual goods consumption based on Islamic economic principles. A qualitative conceptual approach was employed through thematic analysis of literature on virtual goods, virtual economy, and Islamic consumption. The findings demonstrate that virtual goods consumption should be evaluated through needs, maṣlaḥah, rationality, financial capacity, proportionality, and the limits of isrāf and tabdhīr, rather than solely through economic value or consumer satisfaction. The study proposes responsible virtual consumption as a conceptual framework integrating digital benefits, financial capacity, and wasatiyyah. This framework extends Islamic economic discourse into digital consumption and provides a conceptual basis for assessing the appropriateness of expenditure on virtual objects. Abstrak Perkembangan virtual goods telah menciptakan bentuk konsumsi baru yang melibatkan pengeluaran ekonomi nyata untuk memperoleh objek nonfisik, sementara kajian yang secara khusus mengonstruksi konsumsi virtual goods dalam perspektif ekonomi Islam masih terbatas. Penelitian ini bertujuan mengonstruksi konsep konsumsi virtual goods berdasarkan prinsip ekonomi Islam. Penelitian menggunakan pendekatan kualitatif dengan desain studi konseptual melalui analisis tematik terhadap literatur mengenai virtual goods, virtual economy, dan konsumsi Islam. Hasil penelitian menunjukkan bahwa konsumsi virtual goods perlu dinilai melalui kebutuhan, maṣlaḥah, rasionalitas, kemampuan ekonomi, proporsionalitas, serta batas isrāf dan tabdhīr, bukan semata-mata berdasarkan nilai ekonomi atau kepuasan pengguna. Penelitian ini menghasilkan konsep responsible virtual consumption sebagai konstruksi konsumsi virtual yang mengintegrasikan manfaat digital, kemampuan ekonomi, dan prinsip wasatiyyah. Konsep tersebut memperluas kajian ekonomi Islam ke ranah konsumsi digital dan memberikan dasar konseptual untuk menilai kewajaran pengeluaran atas objek virtual.

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