Universitas Atma Jaya Yogyakarta (UAJY): Open Journal Systems
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Testing Social Media Marketing Activities on Continuance Intention: The Role of Brand Image and E-Wallet User Satisfaction as Mediating Variables
No full textThis research aims to determine the influence of social media marketing on continuance intention, both directly and through the mediating effects of brand image and user satisfaction. This research employs a quantitative approach, collecting primary data via a Google Forms questionnaire. The Research population involved e-wallet users, with a sample of 75 respondents. The collected data were then analyzed using Structural Equation Modeling (SEM) with SmartPLS. This research indicates that social media marketing (SMM) and brand image do not directly influence continuance intention. Meanwhile, SMM directly influences brand image and user satisfaction. User satisfaction has a direct effect on continuance intention. Meanwhile, SMM, which is mediated by brand image, does not affect continuance intention. Moreover, SMM, which is mediated by user satisfaction, affects continuance intention. Likewise, SMM, which is mediated by user satisfaction, influences continuance intention. Additionally, SMM affects user satisfaction through the mediation of brand image. Brand image, mediated by user satisfaction, also influences the intention to continue using the service (continuance intention)
The Influence of Servant Leadership on Innovative Work Behavior in the Banking Services Sector: The Role of Work Engagement and Perceived Organizational Support
No full textThe dynamic and competitive business environment requires the banking sector to continuously improve efficiency, service quality, and responsiveness to customer needs. In this highly regulated, compliance-driven context, employees’ innovative work behavior (IWB) plays a critical role in sustaining organizational competitiveness and service excellence. This study examines the direct effects of servant leadership on innovative work behavior in the banking sector, while also considering the roles of perceived organizational support (POS) and work engagement as explanatory variables. A quantitative research approach was employed, with data collected through an online survey conducted in April 2025 involving 181 permanent and contract employees at staff and officer levels in the Indonesian banking sector. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that servant leadership has a positive and significant effect on both work engagement and perceived organizational support. Work engagement, in turn, shows a positive and significant effect on innovative work behavior. However, the direct effects of POS on work engagement and servant leadership on IWB, although positive, are not statistically significant. The results indicate that servant leadership has a positive and significant effect on both work engagement and perceived organizational support. Work engagement, in turn, shows a positive and significant effect on innovative work behavior. However, the direct effects of perceived organizational support on work engagement and servant leadership on innovative work behavior, although positive, are not statistically significant
Pengaruh Literasi Keuangan, Fintech, dan Gaya Hidup Hedonisme Terhadap Pengelolaan Keuangan Mahasiswa Dengan Gender Sebagai Variabel Moderasi
No full textThis study aims to investigate the impact of financial literacy, financial technology (fintech), and lifestyle hedonism on students' financial management practices, with gender as a moderating variable. A quantitative methodology was used, employing snowball sampling techniques to collect data from 406 students actively enrolled in Sleman, DIY. Data analysis was conducted using Structural Equation Modeling (SEM) facilitated by SmartPLS software. The conclusions drawn from this study indicate that financial literacy and fintech significantly improve financial management, whereas lifestyle hedonism has a negative impact. From a moderation perspective, gender does not moderate the relationship between financial literacy or lifestyle hedonism and financial management. However, it has been shown that gender influences the relationship between fintech and financial management.
Keywords: financial literacy, fintech, hedonism, financial management, gender.
Upaya penelitian berusaha untuk menginvestigasi dampak literasi keuangan, teknologi keuangan (fintech), dan hedonisme gaya hidup pada praktik pengelolaan keuangan mahasiswa, dengan fungsi gender sebagai variabel moderasi. Metodologi kuantitatif digunakan menggunakan teknik pengambilan sampel snowball untuk mengumpulkan data dari 406 mahasiswa yang terdaftar secara aktif di Sleman, DIY. Analisis data dilakukan dengan menggunakan Structural Equation Modeling (SEM) yang difasilitasi oleh perangkat lunak SmartPLS. Kesimpulan yang diambil dari penelitian ini menunjukkan bahwa literasi keuangan dan fintech secara signifikan meningkatkan pengelolaan keuangan, sebaliknya, hedonisme gaya hidup memberlakukan dampak negatif. Dari sudut pandang moderasi, gender tidak memoderasi hubungan antara literasi keuangan atau hedonisme gaya hidup dan pengelolaan keuangan. Meskipun demikian, telah ditunjukkan bahwa gender mempengaruhi hubungan antara fintech dan pengelolaan keuangan.
Kata kunci: literasi keuangan, fintech, hedonism, pengelolaan keuangan, gende
Financial Technology Adoption in Public Financial Management of South Africa: a Path Toward Digital Transformation
Get PDFThis study examines the adoption of Financial Technology in South African public sector financial management. The study adopted a qualitative research approach and depended on literature reviews for data collection. A total of 260 articles were downloaded for this study while only 11 articles were used after rigorous selection criteria. The findings show that mobile payments and digital banking have significantly improved financial inclusion, especially in urban areas, although adoption in rural regions has been slower due to challenges such as poor infrastructure and low digital literacy. More advanced FinTech solutions, like blockchain and Artificial Intelligence, are still in early stages. The adoption of FinTech has led to greater efficiency in government financial processes, automating tasks like payments and tax filings, which has reduced manual workloads and sped up service delivery. Blockchain technology has improved transparency and accountability and has allowed for better tracking of public funds and reducing the risk of fraud. However, the full potential of FinTech has been limited by barriers like outdated infrastructure, regulatory gaps, and resistance to change within the public sector. To unlock the full potential of FinTech, the study recommends among others, improving digital infrastructure, enhancing digital literacy, and strengthening regulatory frameworks.
Keywords: Financial technology, Public financial management, Blockchain technology, Digital transformation, Financial inclusion, Digital financial service
Beyond Review: Assessing Preparedness and Barriers Faced by Criminology Graduates in the Licensure Examination
Get PDFA licensure examination is not merely a test of knowledge but a measure of preparation, confidence, and resilience. In the Philippines, the Criminologist Licensure Examination (CLE) serves as a critical gateway for criminology graduates seeking professional entry into law. enforcement and related fields. This study assessed the preparedness of criminology graduates for the CLE and examined the challenges they encounter during review. Using a descriptive quantitative design, the study surveyed 300 criminology graduates from various Luzon universities enrolled in a review center in Baguio City. A structured questionnaire measured self-assessed preparedness across six CLE subjects and identified both subject-specific and general challenges. Results revealed that students felt most prepared in technical subjects such as Forensics and Criminal Detection and Investigation (CDI), while Criminology and Jurisprudence posed greater difficulty. Psychological pressure emerged as the most significant barrier, followed by time management issues and lack of motivation. The findings underscore the need for enhanced theoretical instruction, mental health support, and targeted review strategies. This study provides data-driven insights relevant to curriculum enhancement, review program development, and institutional support systems aimed at improving CLE performance and fostering student success
Opportunities Implementing Intellectual Property Rights Auctions as Fiduciary Guarantee Objects
Get PDFThis study aims to determine and examine how the auction processes for the execution of tangible objects differ from those for the execution of intangible objects and to identify the factors that impede the implementation of auctions for fiduciary collateral in the form of IPR, particularly copyrights and patents, in Indonesia. This study is a normative legal research with a statutory regulatory and conceptual approach. The data used are secondary, namely, primary and secondary legal materials. Primary legal materials are in the form of related laws and regulations. Secondary legal materials consist of various sources directly related to primary legal materials and function as support in research activities. The results of this study indicate that the procedures for submitting an auction application and conducting an auction for tangible movable and intangible movable objects are essentially the same. The auction process aligns with the theory of utility, which provides benefits in the form of legal protection and legal certainty for both creditors and debtors. Factors that hinder the implementation of fiduciary guarantee auctions include legal and technical constraints. Legal constraints, such as regulations that do not provide optimal benefits, are not in line with the theory of utility. Technical constraints, such as banks' reluctance to accept IPR as collateral and differences in Indonesian culture from that of developed countries, can raise concerns about legal certainty and social benefits
Exploration Of Potential Endophytic Fungi From Ironwood (Eusideroxylon zwageri Teijsm. & Binn.) As An Antibacterial Agent
Get PDFThis study investigates the endophytic fungi found in ironwood (Eusideroxylon zwageri T et. B), a plant valued by the Kalimantan community for its medicinal uses, especially in treating rheumatism and diabetes. The main goal was to identify these fungi and evaluate their potential antibacterial properties. Samples of ironwood, including leaves and roots, were collected from the CV Nursery at Nusantara Asri, Cempaka Baru, Gunung Kupang, Banjarbaru, South Kalimantan, with coordinates -3.4892255, 114.8907642, 723. Using a series of steps—such as sterilizing samples, isolating fungi, conducting secondary metabolic fermentation, and testing for antimicrobial activity against Staphylococcus aureus and Escherichia coli—11 fungal isolates were successfully obtained from the plant's roots, leaves, and seeds. Five isolates were chosen for further study based on their growth rates, representing various genera including Cladosporium sp., Aspergillus sp., Mucor sp., and Hyphomycetes sp. Although the antimicrobial tests revealed that none of these isolates inhibited the bacteria, the results offer valuable insights into the interactions between these fungi and the bacterial strains tested
Trichoderma-Based Biocontrol Strategies Against Fusarium Wilt: A Bibliometric Analysis and literature Review
Get PDFFusarium wilt is one of the most destructive soil-borne diseases threatening global food security. For decades, its control has relied heavily on synthetic chemical fungicides; however, their extensive use has led to pathogen resistance, environmental degradation, and risks to human health. Trichoderma has been widely investigated as a potential biological control agent due to its diverse mechanisms of action. This study aims to map the global research landscape on the application of Trichoderma in controlling Fusarium wilt through bibliometric analysis and literature review. Data were retrieved from the Scopus database (2015–2025) using selected keywords and analyzed with VOSviewer and Biblioshiny to identify publication trends, author collaborations, institutions, countries, and keyword clusters. The results indicate a marked increase in publications since 2020, with major contributions originating from India, China, and Egypt. The evolution of keywords indicates a shift in research focus from basic mechanistic studies to practical field applications. The literature review confirms the effectiveness of Trichoderma in suppressing disease and enhancing the productivity of agricultural commodities, although challenges persist in formulation, variability, and regulatory frameworks. These findings provide an important scientific basis for guiding future research, strengthening international collaboration, and supporting sustainable agricultural strategies that utilize biological control agents
The Influence of Work-Life Balance and Physical Work Environment on Employee Performance with Work Stress as an Intervening Variable
No full textThis study aims to examine the influence of Work-Life Balance and the Physical Work Environment on Employee Performance, with Work Stress as an Intervening Variable, in the Pamong Praja Police Unit of North Central Timor Regency. Using a quantitative approach, a simple random sampling technique was employed to gather data from 83 employees of the North Central Timor Regency Pamong Praja Police Unit. The data analysis techniques used are inner model analysis, outer model analysis, and model fit test. The analysis revealed that both Work-Life Balance and Physical Work Environment positively affect Employee Performance, specifically mediated by levels of Work Stress. The T-test results demonstrated significant statistical evidence (T statistic > T table) for these relationships. It was recommended that organizations take steps to improve the work-life balance and physical work environment to improve the level of employee performance
Understanding Gen Z’s Visit Intention to Sapa, Vietnam: An Integrated Motivation-TPB-Destination Image Approach
No full textThis study examines Gen Z's intention to visit Sapa, Vietnam, focusing on the M-TPB-D framework and push and pull theory of motivation. Gen Z was chosen as the focus due to their growing impact on tourism behavior. A quantitative survey of 101 respondents using a purposive sampling technique was analysed using PLS-SEM. The finding reveals that Gen Z is attracted to destinations that offer uniqueness, are visually appealing, and support their value for personal experience. This study indicates the importance of integrating the value of Gen Z regarding destination image and their destination choice, which leads to visit intention to Sapa, Vietnam. It is concluded that Gen Z can be easily engaged through attractive destinations, personal-experience fulfillment, and digital influence, which shape their tourism behavior. However, this study may not be generalizable. Indeed, to attract tourists’ visit intention, some aspects should be incorporated into future studies to optimize outcomes