Sketsa Bisnis is a six-month scientific publication published by the faculty of social and political sciences, Yudharta Pasuruan University. with No : No ISSN Online 2460-0989 , No ISSN PRINT No : 2356-3672 .Sketsa Bisnis as a scientific study and information on Business contains scientific papers, summaries of the results of research, the latest critical thinking. Editors accept writers, researchers, practitioners, and anyone interested in contributing writings and scientific works that have never been published in other print media.
The Role of Digital Mindset in Mediating the Relationship between Technological Literacy and the Sustainability of Social Digital Businesses in F&B MSMEs in Pasuruan Regency
Introduction, this study focuses on the important role of micro, small, and medium enterprises (MSMEs) in Indonesia’s economy, particularly in the food and beverage (F&B) sector in Pasuruan Regency. Although digital marketing adoption continues to grow, many MSMEs still face challenges in achieving digital social business sustainability due to limited technological literacy and a lack of adaptive digital mindsets. Methods, this research uses a quantitative approach with path analysis processed through SPSS. The study examines how Technological Literacy affects Digital Social Business Sustainability, with Digital Mindset acting as a mediating variable among F&B MSMEs in Pasuruan Regency. Results, the findings show that Technological Literacy significantly influences both Digital Mindset (β = 0.215) and Digital Social Business Sustainability (β = 0.386). In addition, Digital Mindset has a significant positive impact on sustainability (β = 0.430). The model explains 76% of the variation in sustainability (R² = 0.76), indicating a strong predictive capability. Conclusion, the study concludes that Digital Mindset partially mediates the relationship between Technological Literacy and Digital Social Business Sustainability. These findings highlight the importance of enhancing both digital skills and adaptive thinking to strengthen MSME competitiveness in the digital era.
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Digital Marketing Business Strategy for Halal Products in Tangerang City: A Case Study of the Seblak Crackers MSME
Introduction; This study investigates factors influencing consumers intention to book hotels online using the Stimulus-Organism-Response (SOR) theory. The research is motivated by the growing trend of digital transformation in the hospitality industry, where user trust and convenience play crucial roles in shaping online booking behavior. Methods; A quantitative approach was employed by distributing online questionnaires to individuals who had previously booked hotels online, resulting in 448 valid responses being collected. Data were analyzed with validity and reliability tests, and hypothesis testing was conducted using the Structural Equation Modeling (SEM) technique. Respondents were selected through judgmental sampling to ensure relevance. Results; The findings indicate that perceived trust is the key variable exerting a significant direct influence on booking intention, an effect which is moderated by promotional offers. Notably, external stimuli such as online reviews, convenience quotient, and mobile application quality primarily influence booking intention indirectly, acting through their significant impact on perceived trust, which functions as a key mediator. Conclusion; The study concludes that strengthening users’ trust, satisfaction, and overall digital experience can enhance consumers’ willingness to engage in online hotel booking. These results offer practical insights for application developers and hotel managers to design trustworthy, user-friendly platforms and promotional strategies that align with changing consumer expectations.
A Bibliometric and Systematic Literature Review on the Concept, Dimensions, and Measurement of Sustainable Financial Literacy
Introduction; Sustainable Financial Literacy (SFL) is a key 21st-century competency that integrates traditional financial literacy with awareness of environmental, social, and governance (ESG) aspects in economic decision-making. As sustainability challenges become increasingly central to global economic systems, understanding SFL has become essential for promoting responsible and ethical financial behavior. Method;This study employs a bibliometric and systematic literature review (SLR) approach on 357 relevant scholarly articles to map the evolution of the concept, publication trends, and measurement instruments of SFL. The bibliometric analysis was conducted to identify patterns of author collaboration, contributing countries, and dominant research domains. Meanwhile, the systematic analysis examined the conceptual and empirical dimensions of SFL, encompassing the cognitive (knowledge), affective (attitudes and values), and behavioral (sustainable financial actions) domains. Results; The findings indicate that SFL remains a relatively new research field, with major attention directed toward the integration of ESG principles into financial education, green investment, and digital financial inclusion. The measurement of SFL varies across studies, ranging from ordinal to ratio scales, and typically assesses knowledge, attitudes, and behaviors in a quantifiable manner. Conclusion; These findings underscore the strategic role of Sustainable Financial Literacy in enhancing sustainable investment decisions, fostering ethical financial behavior, and serving as a critical foundation in supporting the transition toward a green, inclusive, and ethical economy.
The Influence of E-Wallet Usage and Lifestyle on Consumptive Behavior with Self-Control as a Moderating Variable
Introduction; The purpose of this study was to measure and analyze the influence of e-wallet usage and lifestyle on consumer behavior, with self Discipline as a moderating variable among Muslim millennials in Bukittinggi City. Method; This study was quantitative with a descriptive approach. A sample of 300 respondents, representing Muslim millennials who use e-wallets in Bukittinggi City, was selected. Data collection involved observation and questionnaire distribution. The data were then analyzed using Structural Equation Modeling (SEM) techniques using the SmartPLS application. Results; The study revealed that both e-wallet usage and lifestyle have a positive and significant impact on consumptive behavior among Muslim millennials in Bukittinggi. Additionally, self-discipline was found to significantly weaken the influence of lifestyle on consumptive behavior, while its moderating effect on the relationship between e-wallet usage and consumptive behavior was not significant. Conclusion;Self-discipline, as a form of self-discipline, has a significant moderating effect in weakening the relationship between lifestyle and consumptive behavior among Muslim millennials in Bukittinggi City. However, its moderating effect on the relationship between e-wallet usage and consumptive behavior is not statistically significant.
Analysis of Factors Affecting Users Intention to Book Hotels through Online Applications
Assessing the Effectiveness of Design Thinking to Foster Green Entrepreneurship Among Students: A Case Study in Mangrove Ecotourism
Introduction; Environmental issues in coastal areas, such as the reduction of mangrove forest area in Pesisir Timur Surabaya (PAMURBAYA), are driven by urban development and pose threats to human activities. This environmental challenge has sparked interest in entrepreneurship as a means to develop innovative and sustainable solutions. Increasing youth participation is seen as essential to balancing economic, social, and environmental benefits. Method; This study explores the effectiveness of Design Thinking in fostering a green entrepreneurial attitude among youth. The research focused specifically on business administration students participating in Design Thinking activities held at the mangrove ecotourism site in Gunung Anyar, Surabaya. A thematic analysis was conducted on the findings alongside a review of current literature to gain a deeper understanding. Results; The study found that the Design Thinking process successfully encouraged students to shift their mindset, enabling them to identify environmental problems as business opportunities. Students generated innovative, sustainability-oriented ideas, reflecting a change in attitude toward green entrepreneurship. Conclusion; This study contributes theoretically by demonstrating that Design Thinking can act as a catalyst for green entrepreneurship practices. Practically, it suggests integrating Design Thinking workshops into entrepreneurship courses to stimulate youth-led green business initiatives.
Measuring The Amount Of Consumer Desire During Live Streaming Shopping Of Cosmetic Products
streaming shopping in the context of social commerce, specifically for cosmetic products followed by generation Z. The main focus of this research is to understand how generation Z interacts with live streaming shopping content and what factors influence their purchasing decisions. The main focus of this research is to understand how Generation Z interacts with live streaming shopping content and what factors influence their purchasing decisions. Methods, the research method used was to distribute questionnaires to 431 people from generation Z in Batam city who actively follow live streaming shopping for cosmetic products and using the Partial Least Square (PLS) method with Structural Equation Modelling (SEM) technique to process the collected data. Results, the results showed that eWOM, brand image, product, and promotion have a significant role in influencing generation Z's purchasing decisions. Conclusion, this research provides valuable insights for cosmetics industry players and social commerce platforms to design marketing strategies that are more effective and in accordance with generation Z's preferences.
Design of Power Pole Delivery Distribution in a Business Project at PT XYZ Bandung Branch Using DMAIC Method
Introduction; This study aims to identify the causes of delays in the distribution of electricity pole shipments in the PT XYZ Bandung Branch project and formulate improvement solutions. Method; This research was conducted through the Six Sigma DMAIC (Define, Measure, Analyze, Improve, and Control) approach to identify the distribution process, measure current performance, classify and analyze the root causes of problems causing delays, and design improvements with the aim of minimizing delivery delays in similar projects. Result; The results showed that there were three main causes of delay with a contribution of 68% to the twelve causes of delay. In this study, a DPMO value of 20,833 was obtained with a sigma level of 3.5. Conclusion; Researchers suggest taking corrective action with 5W + 1H analysis based on the root cause of the problem. The implementation of these improvements is expected to increase the efficiency of the electric pole distribution process and company guidelines supported by continuous supervision.
The Moderating Role of Green Price on the Influence of Environmental Awareness and Product Uniqueness on Ecoprint Product Purchase Decisions in Malang Regency
The purpose of this research Introduction is to identify the extent to which the moderation role of green price influences the relationship between environmental awareness and product uniqueness with purchasing decisions of ecoprint products in Malang Regency. This study employs a quantitative research method, Method; The sampling technique utilizes purposive sampling with a total population of 103 respondents. Data analysis was conducted using multiple linear regression with the assistance of Statistical Package for the Social Science (SPSS) version 25. Results; Based on the research findings, environmental awareness has a significant effect on purchasing decisions, while product uniqueness does not have a significant effect on purchasing decisions. Additionally, green price is proven to moderate the relationship between environmental awareness and purchasing decisions as well as the relationship between product uniqueness and purchasing decisions. Conclusion; The study concludes that green price plays an important moderating role in strengthening the influence of environmental awareness and product uniqueness on purchasing decisions for ecoprint products in Malang Regency.
Impact of External and Internal Factors Consumer has on Purchase Intention Live Streaming Shopping
Introduction; This research explores the factors influencing purchase intention through live streaming shopping in the fashion sector on social commerce platforms in Batam City. With the rising popularity of online shopping through interactive streaming channels, it is essential to understand the key determinants of consumer purchasing behavior in this context. The research model integrates constructs of interactivity, informativeness, professionalism, attitude, and impulsiveness as potential predictors of purchase intention, with trust serving as a mediator. Methods; Data was collected through an online survey of active live streaming shopping users in Batam. Measurement metrics utilized a 5-point Likert scale to assess these variables. Data analysis was conducted using Partial Least Squares - Structural Equation Modeling (PLS-SEM). Results; The analysis results reveal that interactivity, professionalism, and attitude have a significant positive impact on both trust and purchase intention. Informativeness positively influences trust but does not significantly affect purchase intention, while impulse buying positively affects purchase intention without influencing trust. Conclusion; Trust plays a strong mediating role in the relationships between interactivity, professionalism, attitude, and informativeness with purchase intention, except for impulse buying. These findings provide valuable insights for marketers in designing more effective marketing strategies through live streaming channels and are expected to enhance understanding of consumer shopping behavior.
The Role of Market Orientation in Linking Customer Knowledge, Networking, and Culture to Product Innovation and Success in Batam's F&B Industry
Introduction; MSMEs face serious challenges in facing the industrial revolution 4.0 and the era of society 5.0, where there are changes in tastes, trends and increasingly competitive business competition. This condition requires MSMEs to continue to innovate even though data shows that not all MSMEs have transformed and innovated. This study aims to analyze the influence of customer knowledge, networking and cultural knowledge on product innovation and new product success with market orientation as an intervening. Methods; The research methodology uses a survey technique on 281 respondents of food & beverage MSME actors in Batam City, and the collected data is processed using SmartPLS software version 3.0. Result; The results of the study indicate that there is a significant positive influence of customer knowledge, networking and cultural knowledge variables on product innovation and new product success, and market orientation can mediate the relationship. Conclusion; The results of this study can be a reference for MSME actors in running their businesses to remain competitive in the era of globalization.
Strengthening Brand Image through Integrated Marketing Communication: A Case Study of Sekolah Kak Seto's Approach to Educational Service Marketing
Introduction: This study aims to analyze the marketing communication strategies implemented by Sekolah Kak Seto in an effort to enhance the institution's brand image. The research is motivated by the growing importance of integrated marketing communication in shaping a positive public perception of educational institutions, particularly amid increasingly competitive conditions. The research question formulated is: "How does Sekolah Kak Seto implement marketing communication strategies to improve its brand image?". Methods: This study employs a descriptive qualitative method, with data collected through interviews, observations, and literature reviews. Results: The findings indicate that the strategies applied are based on the Integrated Marketing Communication (IMC) framework, which includes advertising, sales promotion, public relations, personal selling, and direct marketing. Conclusion: These strategies have been proven to positively impact the enhancement of the brand image and the overall growth of Sekolah Kak Seto.
Financial Sustainability Of Microfinance Institutions In Kuningan Regency
Introduction: This study investigates the influence of Financial Reporting Quality, Internal Control Effectiveness, and Financial Risk Behavior on the Financial Sustainability of Microfinance Institutions (MFIs) in Kuningan Regency from an accounting perspective. Method; Using a quantitative approach, data were collected from 116 respondents—including directors, managers, and finance heads of MFIs—through structured questionnaires and analyzed using Partial Least Squares - Structural Equation Modeling (PLS-SEM). Results; The results show that Financial Reporting Quality and Internal Control Effectiveness positively and significantly affect financial sustainability, while Financial Risk Behavior has a significant negative impact, with the model demonstrating strong predictive power (R² = 0.984), thus emphasizing the role of accounting quality and rational decision-making in sustaining MFIs. Conclusion; These findings support the theoretical frameworks of Agency Theory and Behavioral Accounting Theory and suggest the importance of extending research beyond Kuningan Regency to include other influencing variables such as regulatory support or technological advancement.
The Effectiveness of Digital Technology Implementation in Enhancing the Competitiveness of MSMEs in the Creative Industry of Tangerang City
Introduction: The Fourth Industrial Revolution has triggered a fundamental shift in the global economic structure, significantly influencing the sustainability and competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. This study aims to evaluate the effectiveness of digital technology adoption in enhancing the competitiveness of MSMEs in the creative industry sector in Tangerang City. Methods: Utilizing the Technology-Organization-Environment (TOE) framework, this research applies a quantitative approach through an evaluative survey design involving 128 MSME actors who have integrated digital systems into their business operations. Results: The findings reveal that approximately 78% of respondents reported an increase in sales ranging from 20% to 35% following digital adoption, while 64% successfully expanded their market reach to national and international levels. Moreover, digital technology implementation has proven to significantly improve operational efficiency and accelerate product innovation processes, thereby strengthening the competitive edge of MSMEs. However, several challenges remain, such as limited access to formal digital training, low levels of digital literacy, and uneven availability of digital infrastructure across regions. Conclusion: The study concludes that optimal digital technology implementation can generate substantial positive impacts on MSME performance and competitiveness, provided there is strategic support from government bodies, educational institutions, and the private sector. Strengthening multi-stakeholder collaboration and building an inclusive and sustainable digital ecosystem are key strategies for advancing MSME transformation in the digital economy era. This research offers valuable implications for policy formulation and strategic empowerment of technology-based MSMEs in Indonesia.
Between Lifestyle and Financial Responsibility: The Moderating Effect of Financial Imprudence in Islamic Higher Education Contexts
Introduction: This study aims to examine the influence of lifestyle on personal financial management, with financial imprudence serving as a moderating variable. The focus is on students at Islamic State Higher Education Institutions (PTKIN) in West Sumatra, where increasing consumer behavior raises concerns about financial discipline among young adults. Method: A quantitative survey method was employed, with data collected through a Likert-scale questionnaire distributed via Google Forms. The population consisted of PTKIN students in West Sumatra. A total of 288 responses were collected, with 271 valid after data screening. Sampling was conducted using the Rao Purba formula. Data were analyzed using the Warp Partial Least Squares method through WarpPLS 7.0 software. Result: Findings indicate that lifestyle has a positive and significant effect on personal financial management (p-value = 0.056 < 0.05). Additionally, financial imprudence moderates the relationship between lifestyle and financial management, as evidenced by an interaction coefficient of 0.080. While the moderating effect is statistically significant, it is relatively small in magnitude.Conclusion: Lifestyle significantly shapes how individuals manage their personal finances. A more balanced lifestyle tends to support better financial practices. Furthermore, financial imprudence—as a reflection of excessive or wasteful spending—can either strengthen or diminish this relationship, suggesting its critical yet nuanced role in financial behavior dynamics.
The Impact of Banking Digitalization on Customer Satisfaction and Loyalty in BPRs: Systematic Literature Review
Introduction: This study analyzes the impact of banking service digitalization on customer satisfaction and loyalty in Rural Banks (BPR). Loyalty is a key factor in ensuring business stability in the banking sector, and digitalization plays a strategic role in fostering it. The research aims to explore how digital services influence customer behavior in the context of rural banking. Method: This study employs a Systematic Literature Review (SLR) by analyzing 20 Scopus-indexed articles published between 2005 and 2025. The selected literature focuses on digital banking services, customer satisfaction, and loyalty, particularly within the scope of rural banking institutions. Results: The findings indicate that the adoption of digital services is significantly influenced by perceived ease of use, perceived usefulness, trust, security, and compatibility with customers’ lifestyles. Trust emerges as a key mediating factor in shaping continued usage behavior. Moreover, loyalty is affected not only by technological features but also by emotional, personalized, and locally relevant experiences. Conclusion: The study highlights that the main challenge in rural areas is resistance to digitalization due to low digital literacy and concerns over data privacy. It recommends that BPRs prioritize digital literacy programs, ensure system transparency and security, and combine physical and digital services. Strategic partnerships with fintech and other stakeholders are also vital for achieving inclusive and sustainable digital transformation.
Analysis of Determinants of Competitive Advantage and its Impact on Marketing Performance in Retail Business in Batam City
Introduction: This study aims to analyze the influence of innovation, social media, market orientation, entrepreneurial orientation, and competitor orientation on marketing performance in retail businesses, with competitive advantage as a mediating variable. Method; Data was collected through a survey involving ritel companies in various sectors in the Batam city area, by distributing questionnaires to 350 people in various retail companies in the city of Batam is a research method used to test the relationship between variables. Results; The results showed that social media innovation, market orientation, entrepreneurial orientation, and competitor orientation significantly affect marketing performance, both directly and indirectly through competitive advantage. Competitive advantage acts as a factor that strengthens the influence of these variables on marketing performance. Conclusion; This research suggests that ritel businesses should continue to innovate, maintain the right market orientation, and focus on entrepreneurship and understanding of competitors to create a sustainable competitive advantage
Examining the Impact of Instagram Engagement and Organizational Transparency on Social Donation Intentions: The Moderating Role of Trust
Introduction: This study investigates the influence of Instagram engagement and organizational transparency on the public's interest in channeling social donations, while also examining the moderating role of trust in these relationships. The research responds to the growing relevance of digital platforms and transparency in encouraging charitable behavior, particularly within local community contexts. Method: The study employed a quantitative approach using primary data collected from 160 respondents in the Tilatang Kamang community, Agam Regency. Data were gathered via a Likert-scale questionnaire distributed through Google Forms. The independent variables were Instagram engagement and Transparency, the dependent variable was Interest in Channeling Social Donations, and Trust served as a moderating variable. Purposive sampling was used, and data analysis was conducted using WarpPLS 7.0. Results: Findings reveal that Instagram significantly and positively affects donation interest (β = 0.69; P = 0.01; R² = 0.47), as does Transparency (β = 0.58; P = 0.01; R² = 0.34). Trust was shown to significantly moderate both relationships: it strengthened the effect of Instagram on donation interest (moderation coefficient = 0.26; R² = 0.22; P = 0.01) and also enhanced the effect of Transparency (moderation coefficient = 0.14; R² = 0.34; P = 0.04). Conclusion: The results suggest that Instagram and transparency are effective drivers of interest in social donations within community settings. Moreover, trust acts as a critical moderating factor that amplifies these effects, highlighting its importance in the design of digital philanthropic strategies.
Assessing the Impact of Service Quality, Perceived Price, and Store Location on Customer Satisfaction in the Beauty Retail Sector: A Case Study of Soappahollic
Introduction: This study investigates the influence of service quality, perceived price, and location on customer satisfaction in the context of Soappahollic, a beauty retail business. While prior research has examined these variables individually, limited attention has been given to their combined effects in the beauty retail sector. This research aims to address this gap by analyzing how these three factors simultaneously shape customer satisfaction. Method: The study adopts a quantitative approach using a survey design. Data were collected from 200 Soappahollic customers through simple random sampling. The collected data were analyzed using Structural Equation Modeling with the SmartPLS software to evaluate the relationships among service quality, perceived price, location, and customer satisfaction. Result: The analysis revealed that all three independent variables significantly influence customer satisfaction. Specifically, service quality (p = 0.004), perceived price (p = 0.0097), and location (p = 0.0458) were found to have a positive and statistically significant effect. Among these, service quality emerged as the most dominant factor contributing to customer satisfaction. Conclusion: The findings highlight the critical role of integrating high service quality, fair pricing strategies, and strategic store location in enhancing customer satisfaction and loyalty. This study provides practical insights for managers in the beauty retail industry to design more effective customer service strategies and contributes to the literature by emphasizing the interconnected impact of these variables in a retail setting
The Flexible Work Practices and Employee Performance: An Empirical Study on Productivity Outcomes
Introduction: This study aims to determine the influence of Flexible Working Arrangement (FWA) on employee productivity, particularly among employees in the lifestyle category at PT X. In the context of evolving workplace trends, FWA is seen as a strategic approach to enhance productivity, efficiency, and work satisfaction. Method: The research employs a quantitative method with a descriptive-verificative approach. Data were collected through observation, interviews, and the distribution of questionnaires to 71 respondents. The sampling technique used is the saturated sampling method. The data were analyzed using simple linear regression. Result: The results show that the Flexible Working Arrangement has a positive and significant effect on employee productivity. The analysis revealed a coefficient of determination (R²) of 36.48%, indicating that FWA explains approximately one-third of the variance in employee productivity. The remaining 63.52% is likely influenced by other factors not explored in this study. Conclusion: The findings suggest that Flexible Working Arrangement plays a role in enhancing employee productivity at PT X, particularly within the lifestyle category. However, other factors outside of FWA also contribute to productivity outcomes and should be explored in future research.
The Role of Audit Opinion: CEO Turnover, Financial Distress, Company Growth on Audit Opinion Shopping
Introduction; Environmental issues in coastal areas, such as the reduction of mangrove forest areas in the Pesisir Timur Surabaya (PAMURBAYA), are driven by urban development and environmentally unfriendly human activities. This phenomenon calls for entrepreneurship that adopts innovative and sustainable approaches, particularly by involving youth to create a balance between economic, social, and environmental benefits. The study aims to explore the effectiveness of Design Thinking in fostering a green entrepreneurial attitude among the youth. Method; This study focuses on the participation of business administration students in Design Thinking activities conducted at the mangrove ecotourism area in Gunung Anyar, Surabaya. A thematic analysis was performed on both research findings and current literature to gain a broader and more detailed understanding of how Design Thinking can shape sustainable entrepreneurial behavior. Results; The findings indicate that the Design Thinking process successfully encouraged students to shift their mindset viewing environmental problems as potential business opportunities. Through this process, participants were able to generate innovative and sustainability-oriented business ideas that align with green entrepreneurship principles. Conclusion; This study provides a theoretical contribution by demonstrating that Design Thinking can act as a catalyst for green entrepreneurship practices. From a practical perspective, it suggests integrating Design Thinking workshops into entrepreneurship courses to stimulate youth-led green business initiatives.
The The Role of Satisfaction as a Mediator of the Influence of Facilities and Location on Revisit Intention: A Study at the Unit Bumi Kepanduan Sentul Bogor
Introduction: This study examines how facilities and location influence visitors’ intention to revisit the Bumi Kepanduan Sentul Bogor Unit, with customer satisfaction serving as a mediating variable. The research is grounded in the understanding that visitor satisfaction is a key determinant of loyalty and revisit intention, particularly in tourism and recreation destinations. Methods: The study involved 100 respondents selected using a non-probability purposive sampling method. The criteria included visitors aged 17 years and above who had visited the site at least once. A descriptive and verification approach was applied using the path analysis method to determine both direct and indirect effects among variables. Results: The findings reveal that facilities and location have a direct and positive influence on satisfaction, while both also directly affect revisit intention. Furthermore, satisfaction itself significantly influences revisit intention and serves as a mediating factor between facilities, location, and the desire to return. These results indicate that improved facilities and strategic location can enhance visitor satisfaction, which ultimately increases the likelihood of revisits. Conclusion: This study highlights the importance of maintaining and improving facilities and location quality to enhance visitor satisfaction and loyalty. However, the study is limited by its relatively small sample size and narrow variable scope. Future research is recommended to include additional factors such as lifestyle, social influence, and reference groups, as well as to use a larger and more diverse sample to obtain more representative results.
The Influence of Lifestyle and Hedonism on Impulse Buying with Self-Control as a Moderation Variable
Introduction; The problem studied in this research is the effect of lifestyle and hedonism attitudes on impulse buying, with self-control as a moderating variable. The purpose of this study is to determine and analyze these effects among Generation Z Muslims in Bukittinggi City. Method; This research is field research with a quantitative approach. Data were collected through direct observation by distributing questionnaires. The sample consisted of Generation Z in Bukittinggi City. Data processing was done using SPSS 26. Analytical tools included instrument tests (reliability and validity), classical assumption tests (normality, autocorrelation, multicollinearity, heteroscedasticity), and hypothesis testing using t-test, F-test, and moderated regression analysis (MRA). Result; The results showed that the lifestyle variable significantly affects impulse buying (significance value 0.104 < 0.05). Hedonism attitude also significantly affects impulse buying (significance value 0.000 < 0.05). Moderation analysis revealed that self-control significantly moderates the relationship between lifestyle and impulse buying (coefficient = -0.064, significance = 0.00 < 0.05), indicating that stronger self-control weakens the effect of lifestyle on impulse buying. However, self-control does not moderate the relationship between hedonism attitude and impulse buying (coefficient = -0.024, significance = 0.131 > 0.05). Conclusion; Self-control plays a moderating role in the influence of lifestyle on impulse buying among Generation Z Muslim fashion consumers in Bukittinggi City, weakening this effect. However, self-control does not moderate the influence of hedonism attitudes on impulse buying.
The Influence of Islamic Financial Literacy and Mob Mentality on Behavioral Intention to Conduct Transactions Using E-Wallets Mediated by Perceived Risk
Introduction; The rapid adoption of e-wallets among Generation Z in Indonesia presents new challenges in aligning financial behavior with Islamic principles. This study examines the effect of Islamic Financial Literacy and Mob Mentality on Behavioral Intention to use e-wallets, with Perceived Risk as a mediating variable, focusing on Generation Z Muslim users in Bukittinggi City. Method; This quantitative study used a field research design involving 288 Generation Z Muslim respondents in Bukittinggi City. The variables include Islamic Financial Literacy (X1), Mob Mentality (X2), Behavioral Intention (Y), and Perceived Risk (Z). Data were collected using Likert-scale questionnaires distributed via Google Forms, with purposive and convenience sampling. Analysis was conducted using Warp Partial Least Squares (WarpPLS) 7.0. Results: Both Islamic Financial Literacy and Mob Mentality significantly influence the behavioral intention of Generation Z Muslims to use e-wallets. Higher financial literacy and social influence encourage greater intention to transact. Perceived Risk acts as a key mediator that strengthens these relationships, showing that digital financial behavior is shaped by knowledge, social dynamics, and risk perception. Conclusion; Islamic Financial Literacy and Mob Mentality play essential roles in shaping Muslim Generation Z’s intention to use e-wallets, with Perceived Risk serving as a mediating factor. The study contributes to Islamic finance and behavioral research and offers practical insights for promoting financial literacy and ethical digital transactions among young Muslim consumers.
Military Connection, Good Corporate Governance, dan Firm Risk pada Perusahaan Publik di Indonesia
English Version This study aims to examine the impact of military connections on the risk of publicly traded companies in Indonesia and to assess the role of the risk monitoring committee (KPR) as a moderating variable. Data from 2,177 observations of public companies in Indonesia over the 2019-2022 period were analyzed using a quantitative approach and regression model. The study found that military connections have a negative effect on firm risk, indicating that executives with military experience are able to manage company risks effectively by emphasizing discipline, thereby reducing overall corporate risk. The study also revealed that the risk monitoring committee moderates the relationship between military connections and firm risk. These findings have implications for corporate governance policy development, specifically in mitigating the impact of military connections on corporate risk. The study contributes to evidence that the intersection between business and military connections in Indonesia influences corporate risk, highlighting the future importance of risk management. This research provides a novel perspective by focusing on the unique business and geopolitical context of Indonesia, an area that has not been the primary focus of previous studies. Versi Indonesia Penelitian ini bertujuan menguji dampak adanya koneksi militer (military connection) terhadap risiko perusahaan publik di Indonesia dan menguji peran komite pemantau risiko (KPR) sebagai variabel moderasi. Data dianalisis dari 2177 observasi sampel perusahaan publik di Indonesia selama periode 2019-2022 menggunakan pendekatan kuantitatif dan model regresi. Penelitian ini menemukan bahwa military connection berpengaruh negatif terhadap firm risk. Hal ini menunjukkan bahwa para eksekutif dengan pengalaman militer mampu mengendalikan risiko perusahaan dengan mengedepankan kedisiplinan sehingga mampu menurunkan risiko perusahaan. Penelitian ini juga menemukan bahwa komite pemantau risiko mampu memoderasi hubungan antara military connection dan firm risk. Penelitian berimplikasi pada pentingnya bagi pengembangan kebijakan tata kelola perusahaan untuk mengurangi dampak military connection pada risiko perusahaan. Penelitian ini berkontribusi pada pembuktian bahwa adanya koneksi antara bisnis dan militer di Indonesia akan berdampak pada risiko perusahaan dan pentingnya manajemen risiko di masa depan. Kondisi ini menjadi keterbaharuan riset ini dimana penelitian terdahulu tidak berfokus pada kondisi bisnis dan geopolitik Indonesia
Dampak Literasi Keuangan Terhadap Keputusan Investasi Saham: Peran Minat Investasi sebagai Variabel Intervening pada Komunitas Pasar Modal Muda Malang
Abstract This study aims to explain the effect of financial literacy related to company fundamentals on stock investment decisions with investment interest as an intervening variable. Using a quantitative approach, data were obtained from questionnaires distributed to 31 members of the Youth Capital Market Community (YCMC) for the 2023 period through the saturated sample technique. The analysis was carried out with the PLS-based SEM method using Smart PLS 4.0. The results show that financial literacy has a significant effect on stock investment decisions and investment interest. Investment interest also mediates the effect of financial literacy on stock investment decisions. Abstrak Penelitian ini bertujuan menjelaskan pengaruh literasi keuangan terkait faktor fundamental perusahaan terhadap keputusan investasi saham dengan minat investasi sebagai variabel intervening. Menggunakan pendekatan kuantitatif, data diperoleh dari kuesioner yang disebarkan kepada 31 anggota Youth Capital Market Community (YCMC) periode 2023 melalui teknik sampel jenuh. Analisis dilakukan dengan metode SEM berbasis PLS menggunakan Smart PLS 4.0. Hasil menunjukkan literasi keuangan berpengaruh signifikan terhadap keputusan investasi saham dan minat investasi. Minat investasi juga memediasi pengaruh literasi keuangan terhadap keputusan investasi saham.
Financial Literacy Related to Company Fundamental Factors
Determinan Adopsi Teknologi Digital Pada UMKM di Indonesia
Abstract This study examines the impact of digital transformation on businesses, driven by global market and socio-economic changes, such as pandemics and supply chain disruptions. It tests the UTAUT model and the influence of the business environment on MSMEs' adoption of digital technology, using purposive sampling with 319 MSME owners and managers. The research, analyzed via PLS-SEM, finds that effort expectancy and facilitating conditions from UTAUT, along with competitive and trading partner pressure, significantly affect MSMEs' intention to adopt digital technology. The study recommends improving user-friendly features and infrastructure to support digitalization for MSMEs. Abstrak Penelitian ini mengkaji dampak transformasi digital pada bisnis, yang didorong oleh perubahan pasar global dan sosial-ekonomi, seperti pandemi dan disrupsi rantai pasokan. Penelitian ini menguji model UTAUT dan pengaruh lingkungan bisnis terhadap adopsi teknologi digital oleh UMKM, menggunakan purposive sampling dengan 319 pemilik dan manajer UMKM. Penelitian yang dianalisis melalui PLS-SEM ini menemukan bahwa ekspektasi usaha dan kondisi pendukung dari UTAUT, serta tekanan kompetitif dan tekanan mitra dagang, secara signifikan mempengaruhi niat UMKM untuk mengadopsi teknologi digital. Studi ini merekomendasikan peningkatan fitur yang ramah pengguna dan infrastruktur untuk mendukung digitalisasi UMKM.
Social Media Marketing: a Systematic Literature Review
Abstract This research aims to analyze the definition, antecedents, and consequences of social media marketing through a systematic literature review approach. Using the Publish or Perish and Vos Viewer applications, this study collected and analyzed 20 articles indexed in Scopus and Sinta from 2013 to 2024. The results of the analysis show that social media marketing is a promotional tool and a platform for building open communication between businesses and consumers. The identified antecedents include factors that influence the effectiveness of social media marketing, while the consequences include the impact on customer loyalty and user interaction. Abstrak Penelitian ini bertujuan untuk menganalisis definisi, anteseden, dan konsekuensi pemasaran media sosial melalui pendekatan kajian literatur sistematik. Dengan menggunakan aplikasi Publish or Perish dan Vos Viewer, penelitian ini mengumpulkan dan menganalisis 20 artikel yang terindeks di Scopus dan Sinta dari tahun 2013 hingga 2024. Hasil analisis menunjukkan bahwa pemasaran media sosial tidak hanya berfungsi sebagai alat promosi, tetapi juga sebagai platform untuk membangun komunikasi terbuka antara bisnis dan konsumen. Anteseden yang diidentifikasi mencakup faktor-faktor yang mempengaruhi efektivitas pemasaran media sosial, sedangkan konsekuensi mencakup dampak terhadap loyalitas pelanggan dan interaksi pengguna.
Analyzing the Influence of Price, Promotion, and Trust on Consumer Purchase Decisions: A Study of Mr. Frozen Food on the Shopee Marketplace
Abstract This research investigates the impact of price, promotion, and trust on consumer purchasing decisions for Mr. Frozen Food through the Shopee platform. Applying a quantitative approach with a sample of 100 respondents, the study reveals that both price and trust significantly and positively influence purchasing decisions, while promotion has a significant negative effect. The regression analysis shows that all three variables collectively influence purchasing decisions, with an adjusted R square of 98.8%. These results highlight that competitive pricing and consumer trust are key drivers of purchasing behavior, whereas promotional strategies may require reassessment. The study offers valuable insights for shaping marketing strategies within the e-commerce sector. Abstrak Studi ini meneliti dampak harga, promosi, dan kepercayaan terhadap keputusan pembelian konsumen Mr. Frozen Food di platform Shopee. Dengan pendekatan kuantitatif yang melibatkan 100 partisipan, penelitian ini menemukan bahwa harga dan kepercayaan konsumen memiliki pengaruh positif signifikan terhadap keputusan pembelian, sementara promosi berdampak negatif signifikan. Hasil analisis regresi menunjukkan bahwa ketiga variabel tersebut secara simultan memengaruhi keputusan pembelian, dengan nilai adjusted R square sebesar 98,8%. Temuan ini menegaskan pentingnya harga yang kompetitif dan kepercayaan dalam meningkatkan keputusan pembelian konsumen, sementara efektivitas promosi memerlukan evaluasi lebih lanjut. Penelitian ini memberikan kontribusi bagi pengembangan strategi pemasaran di industri e-commerce.
Pengaruh Modal Intelektual Terhadap Kinerja Keuangan dan Nilai Pasar Perusahaan
Abstract This study aims to examine the influence of intellectual capital on financial performance and market value. The research design employed is explanatory research. Purposive sampling technique was utilized to select the sample. The population of this study comprises energy sector companies listed on the Indonesia Stock Exchange, from which 9 (nine) companies registered between 2018-2022 were obtained as samples. Data analysis technique employed is SEM PLS. Based on the conducted research, Intellectual Capital Efficiency (ICE) significantly affects both financial performance and market value, while Capital Employed Efficiency does not significantly influence either financial performance or market value. Financial performance significantly affects market value. Moreover, Intellectual Capital Efficiency (ICE) significantly impacts market value through financial performance, whereas Capital Employed Efficiency does not significantly affect market value through financial performance. Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh modal intelektual terhadap kinerja keuangan dan nilai pasar. Jenis penelitian ini adalah explanatory research. Teknik pengambilan sampel yang dilakukan adalah purposive sampling. Populasi penelitian ini adalah perusahaan sektor energi yang terdaftar di Bursa Efek Indonesia dan diperoleh 9 (sembilan) perusahaan yang terdaftar pada tahun 2018-2022 sebagai sampel. Teknik analisis data menggunakan SEM PLS. Berdasarkan penelitian yang telah dilakukan, Intellectual Capital Efficiency (ICE) berpengaruh signifikan terhadap kinerja keuangan dan nilai pasar, Capital Employed Efficiency tidak berpengaruh signifikan terhadap kinerja keuangan dan nilai pasar, kinerja keuangan berpengaruh signifikan terhadap nilai pasar, Intellectual Capital Efficiency (ICE) berpengaruh signifikan terhadap nilai pasar melalui kinerja keuangan, dan Capital Employed Efficiency tidak berpengaruh signifikan terhadap nilai pasar melalui kinerja keuangan.