Ekspektra : Jurnal Bisnis dan Manajemen

The Influence of Financial Literacy on Financial Resilience through Financial Planning (Study on BUMDes in East Java)

Ida Ayu Sri Brahmayanti — 2024-02-28

This research aims to investigate the influence of financial literacy on financial resilience through financial planning, with a special focus on Village-Owned Enterprises (BUMDes) in East Java. Quantitative research methods were used with stratified random sampling techniques to select representative BUMDes samples. The research instrument is a structured questionnaire that measures the level of financial literacy, financial planning and financial resilience of BUMDes. The results of data analysis using the Structural Equation Modeling-Partial Least Square (SEM-PLS) approach show that there is a significant positive relationship between the level of financial literacy and financial planning on the financial resilience of BUMDes. The implications of this research provide an in-depth understanding of the importance of financial literacy and financial planning in increasing the financial resilience of BUMDes, so that it can help in designing more effective policies and training programs to support local economic growth at the village level.

The Effect of CSR, Brand Attitude, and Perceived Value on Purchase Intention at Uniqlo

Vicky Alvian — 2024-02-28

The number of fast fashion companies in Indonesia makes competition very tight in a business, this emphasizes the role of corporate social responsibility carried out by company owners with the aim of sustainable promotion to obtain brand attitude, perceived value, and purchase intention. Corporate social responsibility that is well received is a contributing factor in creating a brand attitude which also influences the perceived value and purchase intention. The purpose of this study is to analyze the effect of corporate social responsibility, brand attitude, and perceived value on purchase intention. This research was conducted in Jakarta with a descriptive causality research design with a quantitative method approach and using purposive sampling techniques. Data was collected from 231 respondents who had visited the Uniqlo store. The conceptual model was analyzed using Structural Equation Modeling. The research findings reveal that corporate social responsibility can improve brand attitude. Then, brand attitude can increase perceived value and purchase intention. Furthermore, perceived value can increase purchase intention. The contribution of this research can provide insight to fast fashion company owners to develop businesses and can plan and implement marketing strategies so that brand attitudes and good judgment are formed by consumers to create purchase intentions on Uniqlo products.

The Impact of Artificial Intelligence Banking and Personal Interaction Quality towards Customer Retention with Customer Satisfaction as an Intervening Variable

Chintasi Angreani — 2024-02-28

Number of digital banking transactions Indonesia based on katadata.com in August 2023 grew by 169,9% throughout the last five years in five years and the amount of third-party banking funds in Indonesia increased by 12.3% according to Indonesian Banking Statistics data for 2020-2022. Number of digital transactions at Bank Maybank Indonesia in 2022 increased by 28% and the number of accounts increased in 2022 by 34%, however the amount of funds raised by Bank Maybank Indonesia decreased by 1.19%. It is alleged that the acquisition of accounts is not followed by customers who retain. This study was conducted to explore the effect of artificial intelligence banking and personal interaction quality on customer retention with customer satisfaction as an intervening variable. The research sample was 215 customer respondents using questionnaires and interviews. The analysis method uses Structural Equation Models Partical Least Square (SEMPLS) based on Smart Partial Least Square (Smart PLS) 3.2.9. The results of the study are artificial intelligence banking has a significant effect on customer retention, personal intelligence banking does not have a significant effect on customer retention. When mediated by customer satisfaction, artificial intelligence banking still has a significant effect on customer retention and personal intelligence banking has a significant effect on customer retention through customer satisfaction as an intervening variable.

The Influence of Materialism and Store Atmosphere on Compulsive Buying With The Mediating Variable of Fashion Interest (Study on Consumers of Kosshe Boutique Pontianak)

Isyanty Khairunnisa — 2024-02-28

This research aims to examine the relationship between materialism and store atmosphere on compulsive buying where fashion interest is the mediating variable. The approach used in this research is quantitative research. This research is included in descriptive research with a survey method. The type of research used in this research is causal associative research. The population in this research is consumers of Kosshe Boutique Pontianak who have made purchases at least 2 times in the last 6 months and are female, with a sample of 200 respondents. Sampling in this research used a non-probability sampling method in the form of purposive sampling. The collected data was then analyzed using the Structural Equation Model with the SmartPLS statistical application tool version 3.9.3. The results of data analysis show that materialism has a significant effect on compulsive buying, store atmosphere has a significant effect on compulsive buying, materialism has a significant effect on fashion interest, store atmosphere has a significant effect on fashion interest and fashion interest is not significant on compulsive buying. The results of the mediation role test were not significant.

Keywords : Materialism: Store Atmosphere; Fashion Interest; Compulsive Buying

The Impact of Financial Literacy, Pocket Money, Financial Education in The Family and Hedonis Lifestyle on Students Financial Behavior

Ajeng Trixsiana — 2024-02-28

This research aims to examine the influence of financial literacy, pocket money, financial education in the family and hedonic lifestyle on students' financial behavior. The sample consisted of 240 respondents with the characteristics of active students from economics and business faculties at Surabaya universities, students who still received pocket money. Sampling in this research used non-probability sampling and purposive sampling methods. Analysis uses Structural Equating Modeling (SEM) on Partial Least Square (PLS) and data collection uses a survey method using a questionnaire. The results of this study show that financial literacy is not significant on financial behavior, pocket money has a significant positive effect on financial behavior, financial education in the family has a significant positive effect on financial behavior, hedonic lifestyle has a significant negative effect on financial behavior.

The Effect of Risk Perception, Recency Bias, Herding Behavior and Regret Aversion Bias on Investment Decision Making Among The Younger Generation in Surabaya.

Gradinda Maryama Mayora — 2024-02-28

The performance of the Indonesian capital market continues to increase every year. Data from KSEI shows that the number of investors continues to increase every year and the majority of investors are generational. This study aims to determine/influence risk perception, recency bias, herding/ behavior and regret aversion bias towards investment decision making/in generations in Surabaya. This research was conducted using a quantitative approach. The data collection method for testing the relationship between the independent variable and the dependent variable is by distributing questionnaires in the google form via social media WhatsApp, Instagram and Telegram. There were 111 respondents who filled out this research questionnaire, with the characteristics of respondents aged 17 years to 36 years, domiciled in Surabaya and having an account or investment account. The data was analyzed using PLS-SEM with Wrap-PLS software version 8.0. The results show that Risk perception has a significant effect on investment decision making, Recency bias has a negative effect on investment decision making, Herding behavior has no significant effect on investment decision making, and regret aversion bias does not have a negative effect on investment decision making.

Trends Topic Research on Micro, Small, and Medium Enterprises Strategy: Implementation of Bibliometric Analysis

Haryaman Justisia Sulaiman — 2024-02-29

The Covid-19 pandemic has affected the economic cycle; three years after the pandemic, the effects are still being felt. One of the involved business actors, MSMEs, must adopt strategic policy measures to maintain their competitive advantage. Using a Systematic Literature Review (SLR) and co-word analysis in a bibliometric approach, this paper seeks to analyze the development trend of MSME strategy keyword topics for the period 2020-2023. The generation of trending topics allows using keywords for further research purposes and strategic insights.