Jurnal Manajemen Bisnis dan Keuangan
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Perilaku Menabung Mahasiswa Berdasarkan Literasi Keuangan, Teman Sebaya, dan Uang Saku
Full text linkThe increasing use of the internet in Indonesia is driven by the convenience that technology offers in various aspects of human life. A notable phenomenon among society, particularly university students, reveals a strong tendency toward consumptive behavior in today’s digital era. When facing financial difficulties, saving becomes an essential strategy for achieving financial goals. This study aims to analyze the influence of financial literacy, peer influence, and allowance on the saving behavior of students in the Management and Accounting programs at Maranatha Christian University. The research employed a quantitative approach with a purposive sampling technique, involving 91 students as respondents. Data were analyzed using multiple linear regression with SPSS software. The findings indicate that peer influence, allowance, and financial literacy collectively affect students’ saving behavior. There is a correlation of 82.1% between saving behavior (Y) and the three factors: financial literacy (X₁), peer influence (X₂), and allowance (X₃). These results highlight that to develop healthy saving habits, students need to possess strong financial understanding, be surrounded by a supportive peer environment, and manage their allowance wisely.Peningkatan penggunaan internet di Indonesia didorong oleh kemudahan yang diberikan teknologi dalam berbagai aspek kehidupan manusia. Fenomena yang terjadi di kalangan masyarakat, khususnya mahasiswa, menunjukkan tingginya kecenderungan perilaku konsumtif di era digital saat ini. Ketika menghadapi kesulitan keuangan, menabung menjadi salah satu cara penting untuk mencapai tujuan finansial. Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan finansial, teman sebaya, dan uang saku terhadap perilaku menabung mahasiswa Program Studi Manajemen dan Akuntansi di Universitas Kristen Maranatha. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik purposive sampling, melibatkan 91 mahasiswa sebagai responden. Analisis data dilakukan dengan regresi linier berganda menggunakan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa teman sebaya, uang saku, dan literasi keuangan secara bersama-sama memengaruhi perilaku menabung mahasiswa. Terdapat korelasi sebesar 82,1% antara perilaku menabung (Y) dan ketiga faktor tersebut, yaitu literasi keuangan (X₁), teman sebaya (X₂), dan uang saku (X₃). Temuan ini menegaskan bahwa untuk mengembangkan kebiasaan menabung yang sehat, mahasiswa perlu memiliki pemahaman keuangan yang baik, lingkungan pertemanan yang positif, serta kemampuan dalam mengelola uang saku secara bijak
Keunggulan Bersaing melalui Orientasi Pasar, Kemampuan Jejaring, dan Inovasi pada Usaha Kecil dan Menengah (UKM) di Jawa Timur
Full text linkSmall and Medium Enterprises (SMEs) play a vital role in Indonesia’s economy. The dynamic market conditions demand that SMEs achieve competitive advantage to ensure the sustainability of their businesses. Strategies to attain such advantage can be developed by strengthening market orientation, networking capability, and innovation. This study analyzes the direct influence of market orientation, networking capability, and innovation on the competitive advantage of SMEs in East Java. A quantitative approach was employed, with data collected through questionnaires distributed to SMEs in East Java in collaboration with the Integrated Business Service Center (PLUT) in Batu City, Malang Regency, Tulungagung Regency, and Mojokerto Regency. PLUT is an institution that assists SMEs in expanding market access. A total of 600 questionnaires were distributed, and 552 were deemed valid for analysis. The data were analyzed using multiple linear regression methods. The findings reveal that the competitive advantage of SMEs is significantly influenced by market orientation, which provides the most dominant contribution, followed by innovation and networking capability. These findings offer valuable insights for SMEs in formulating effective strategies to achieve competitive advantage, enabling them to face increasing competition and adapt to the global market.Usaha Kecil dan Menengah (UKM) memiliki peran penting dalam perekonomian Indonesia. Kondisi pasar yang dinamis menuntut UKM untuk meraih keunggulan bersaing agar dapat mempertahankan keberlanjutan bisnisnya. Strategi untuk mencapai keunggulan tersebut dapat diperoleh melalui penguatan orientasi pasar, kemampuan jejaring, dan inovasi. Penelitian ini menganalisis pengaruh langsung orientasi pasar, kemampuan jejaring, dan inovasi terhadap keunggulan bersaing UKM di Jawa Timur. Penelitian menggunakan pendekatan kuantitatif dengan pengumpulan data melalui kuesioner yang disebarkan kepada UKM di wilayah Jawa Timur, bekerja sama dengan Pusat Layanan Usaha Terpadu (PLUT) di Kota Batu, Kabupaten Malang, Kabupaten Tulungagung, dan Kabupaten Mojokerto. PLUT merupakan lembaga yang membantu UKM dalam memperluas akses pasar. Sebanyak 600 kuesioner disebarkan dan 552 di antaranya dinyatakan layak untuk dianalisis. Data dianalisis menggunakan metode regresi linier berganda. Hasil penelitian menunjukkan bahwa keunggulan bersaing UKM dipengaruhi oleh orientasi pasar yang memberikan kontribusi paling dominan, diikuti oleh inovasi dan kemampuan jejaring. Temuan ini dapat menjadi bahan pertimbangan bagi UKM dalam menentukan strategi yang tepat untuk meraih keunggulan bersaing, sehingga mampu menghadapi persaingan yang semakin ketat dan beradaptasi dengan pasar global
Green Purchasing Decision: Peran Green Willingness to Purchase, Green Perceived Quality, dan Environmental Concerns
Full text linkAmid the growing public awareness of environmental issues, consumer behavior has shifted toward a preference for more eco-friendly products. This study aims to analyze the influence of green willingness to purchases and green perceived quality on green purchasing decisions, with environmental concern serving as a mediating variable. The research employs a quantitative approach by distributing questionnaires to N’Pure cosmetic consumers who are concerned about environmental issues. A total of 147 respondents participated in this study, and data analysis was conducted using SmartPLS 4.0. The results reveal that green willingness to purchase and green perceived quality have a positive effect on environmental concern. Furthermore, environmental concern positively influences green purchasing decisions. However, environmental concern does not mediate the relationship between green willingness to purchase and green purchasing decisions, while it does mediate the relationship between green perceived quality and green purchasing decisions. These findings highlight the importance of green perceived quality and consumer willingness to purchase as key drivers of green purchasing behavior, particularly when combined with a high level of environmental concern. The practical implications suggest that cosmetic producers such as N’Pure should continue to enhance the quality of their green products and strengthen environmental messaging within their marketing strategies to promote more sustainable purchasing decisions.Di tengah meningkatnya kepedulian masyarakat terhadap isu lingkungan, perilaku konsumen mengalami pergeseran menuju preferensi produk yang lebih ramah lingkungan. Penelitian ini bertujuan untuk menganalisis pengaruh green willingness to purchase dan green perceived quality terhadap green purchasing decision dengan environmental concerns sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada konsumen kosmetik N’Pure yang peduli terhadap isu lingkungan. Sampel penelitian ini berjumlah 147 responden, dan teknik analisis data menggunakan Smart PLS 4.0. Hasil analisis menunjukkan bahwa green willingness to purchase dan green perceived quality berpengaruh positif terhadap environmental concerns. Environmental concerns berpengaruh positif terhadap green purchasing decision. Namun, environmental concerns tidak memediasi pengaruh green willingness to purchase terhadap green purchasing decision, sedangkan environmental concerns memediasi pengaruh green perceived quality terhadap green purchasing decision. Temuan ini menegaskan pentingnya kualitas persepsi hijau dan kemauan konsumen untuk membeli sebagai pendorong utama dalam membentuk perilaku pembelian hijau, terutama ketika dikombinasikan dengan kepedulian lingkungan yang tinggi. Implikasi praktis dari penelitian ini menyarankan agar produsen kosmetik seperti N’Pure terus meningkatkan kualitas produk hijau dan memperkuat pesan-pesan lingkungan dalam strategi pemasarannya untuk mendorong keputusan pembelian yang lebih berkelanjutan
Peran Burnout sebagai Pemediasi Pengaruh Workload terhadap Turnover Intention pada Pekerja Gen Z di Kota Malang
Full text linkHuman resources are a very important asset for companies. Therefore, companies need to ensure that the employee turnover rate remains low. The purpose of this study is to test the role of burnout as a mediator of the effect of workload on turnover intention among Generation Z workers in Malang City. This study employs a quantitative approach with a population consisting of all Generation Z workers employed in Malang City. The study sample comprised 100 respondents determined using the Lemeshow formula and analyzed with the Partial Least Squares (PLS) technique. The results indicate that workload has no significant effect on turnover intention, workload has a significant effect on burnout, and burnout mediates the relationship between workload and turnover intention.Sumber daya manusia merupakan aset yang sangat penting bagi perusahaan. Oleh karena itu, perusahaan perlu memastikan tingkat perputaran karyawan tetap rendah. Tujuan penelitian ini adalah menguji peran burnout sebagai pemediasi pengaruh workload terhadap turnover intention pada pekerja Generasi Z di Kota Malang. Penelitian ini menggunakan pendekatan kuantitatif dengan populasi yang terdiri atas seluruh pekerja Generasi Z di Kota Malang. Sampel penelitian berjumlah 100 responden yang ditentukan menggunakan rumus Lemeshow dan dianalisis dengan teknik Partial Least Squares (PLS). Hasil penelitian menunjukkan bahwa workload tidak berpengaruh signifikan terhadap turnover intention, workload berpengaruh signifikan terhadap burnout, dan burnout mampu memediasi hubungan antara workload dan turnover intention
Pengaruh Produksi Batubara terhadap Indeks Pembangunan Manusia di Provinsi Penghasil Batubara
Full text linkCoal mining is an essential component of natural resource (NR) management that supports Indonesia’s economy. However, as a non-renewable resource, its utilization must be optimized to contribute to human resource (HR) development. This study aims to examine the effect of coal production on the Human Development Index (HDI) as a benchmark for HR development. The objective is to assess the extent of the mining sector’s contribution and to identify further measures that can be taken to promote HDI improvement. Accordingly, this research seeks to ensure that coal-producing regions can develop high-quality human resources capable of sustaining post-mining economic growth. The study employs coal production, reflected in the Gross Regional Domestic Product (GRDP) of the coal and lignite mining sector, as the independent variable. Control variables include non-coal GRDP, local government expenditure on economic functions, health functions, and education functions, while HDI serves as the dependent variable. Using panel data from 2011 to 2020, the analysis applies a panel regression approach with the Least Square Dummy Variable (LSDV) estimation model. The findings reveal that coal production has a negative effect on HDI, whereas non-coal GRDP and local government expenditure on health functions have a positive effect on HDI.Pertambangan batu bara merupakan elemen penting dalam pengelolaan sumber daya alam (SDA) yang menopang perekonomian Indonesia. Kendati demikian, batu bara merupakan SDA yang tidak terbarukan, sehingga perannya harus dioptimalkan untuk mendukung pembangunan sumber daya manusia (SDM). Penelitian ini bertujuan untuk menguji pengaruh produksi batu bara terhadap Indeks Pembangunan Manusia (IPM) sebagai tolok ukur pembangunan SDM. Tujuannya adalah untuk melihat sejauh mana kontribusi sektor pertambangan selama ini serta mengidentifikasi langkah-langkah yang masih dapat dilakukan guna mendorong peningkatan IPM. Dengan demikian, penelitian ini berupaya memastikan bahwa daerah penghasil batu bara dapat memiliki SDM yang unggul dan siap menjaga keberlanjutan pertumbuhan ekonomi pascatambang. Penelitian ini menggunakan variabel independen berupa produksi batu bara yang tercermin dalam Produk Domestik Regional Bruto (PDRB) dari lapangan usaha pertambangan batu bara dan lignit, serta variabel kontrol yang meliputi PDRB nonbatu bara, belanja pemerintah daerah fungsi ekonomi, belanja pemerintah daerah fungsi kesehatan, dan belanja pemerintah daerah bidang pendidikan. Sementara itu, IPM berperan sebagai variabel dependen. Dengan menggunakan data periode 2011-2020, penelitian ini menerapkan pendekatan regresi data panel dengan model estimasi Least Square Dummy Variable (LSDV). Hasil analisis menunjukkan bahwa produksi batu bara berpengaruh negatif terhadap IPM, sementara PDRB nonbatu bara dan belanja daerah fungsi kesehatan berpengaruh positif terhadap IPM
Implementation of Brand Image through Service Quality in PERISAI Agency Marketing Program
Full text linkThis research is a study that examines insurance service companies that have several products. This study aims to determine the application of brand image through service quality in PERISAI agency marketing. This study uses descriptive qualitative research methods and data collected through observation, interviews, company secondary data, and documentation. The analysis technique used is SWOT analysis. The results of this study indicate that the marketing strategy of the PERISAI program provides good benefits for the community (agents and participants). PERISAI was formed with the hope that workers can have access to services for the protection programs contained in BPJS Ketenagakerjaan. The programs contained in BPJS Ketenagakerjaan include death benefits (JKM), work accident insurance (JKK), old age security (JHT), and pension benefits (JP). This evaluation is carried out in order to increase the number of BPJS Ketenagakerjaan membership, especially in the field of non-wage recipient workers. This evaluation uses the theory of service quality with the concept of brand image which will be applied to the PERISAI marketing program at BPJS Ketenagakerjaan.This research is a study that examines insurance service companies that have several products. This study aims to determine the application of brand image through service quality in PERISAI agency marketing. This study uses descriptive qualitative research methods and data collected through observation, interviews, company secondary data, and documentation. The analysis technique used is SWOT analysis. The results of this study indicate that the marketing strategy of the PERISAI program provides good benefits for the community (agents and participants). PERISAI was formed with the hope that workers can have access to services for the protection programs contained in BPJS Ketenagakerjaan. The programs contained in BPJS Ketenagakerjaan include death benefits (JKM), work accident insurance (JKK), old age security (JHT), and pension benefits (JP). This evaluation is carried out in order to increase the number of BPJS Ketenagakerjaan membership, especially in the field of non-wage recipient workers. This evaluation uses the theory of service quality with the concept of brand image which will be applied to the PERISAI marketing program at BPJS Ketenagakerjaan
Analisis Faktor yang Memengaruhi Customer Loyalty dengan Mediasi Customer Satifaction pada Perbankan
Full text linkCurrently, the banking world is experiencing very tight developments due to competitive rivalry between one bank and another. This research aims to analyze the influence of promotions, brand image, service quality, trust, and CRM on customer loyalty, which is mediated by customer satisfaction in the banking sector. This research has a population derived from the population of Batam City in 2020, namely 1,196,396 people. Based on the 1:10 method, a sample of 350 respondents was obtained. This research also uses quantitative methods using descriptive statistics with the results of promotions, brand image, service quality, trust, and customer relationship management, significantly influencing customer loyalty and customer satisfaction in the banking sector.Pada masa ini dunia perbankan sedang terjadi perkembangan yang sangat erat akibat dari saingan yang kompetitif antara satu bank dengan bank lainnya. Tujuan dilakukan riset ini yaitu guna melakukan analisis pengaruh promosi, citra merek, kualitas layanan, kepercayaan, dan CRM pada loyalitas pelanggan yang dimediasi oleh kepuasan pelanggan pada sektor perbankan. Riset ini memiliki populasi berasal dari jumlah penduduk Kota Batam ditahun 2020, yaitu 1,196,396 jiwa. Berdasarkan metode 1:10, maka diperoleh sampel berjumlah 350 responden. Riset ini juga menggunakan metode kuantitatif dengan penggunaan statistik deskriptif dengan hasil promosi, citra merek, kualitas layanan, kepercayaan, dan manajemen hubungan pelanggan memberikan pengaruh yang signifikan positif pada loyalitas pelanggan dan kepuasan pelanggan pada sektor perbankan
Pengaruh Psychological Contract, Job Stress, dan Workload terhadap Turnover Intention dengan Organizational Support sebagai Mediasi
Full text linkTurnover intention, or employees' intention to leave their jobs, is a critical issue in human resource management. High turnover rates in a company can negatively impact the overall performance of the organization, both in terms of operational efficiency and the costs of recruitment and training to replace departing employees. This study examines the influence of psychological contract, job stress, and workload on turnover intention, with organizational support as a mediating variable, among employees of PT XYZ. The research uses a quantitative approach, collecting data through the distribution of questionnaires. The population of this study consists of 250 employees of PT XYZ, with a research sample of 100 respondents. The method of analysis employed is regression analysis. Based on the results, both psychological contract and job stress significantly affect turnover intention, either directly or through the mediating variable, organizational support. Meanwhile, workload does not have a significant effect on turnover intention through the organizational support variable.Turnover intention atau niat karyawan untuk meninggalkan pekerjaannya merupakan salah satu isu penting dalam manajemen sumber daya manusia. Tingginya angka turnover dalam sebuah perusahaan dapat berdampak negatif terhadap kinerja organisasi secara keseluruhan, baik dari segi efisiensi operasional maupun biaya rekrutmen dan pelatihan untuk menggantikan karyawan yang keluar. Penelitian ini membahas bagaimana pengaruh psychological contract, job stress, dan workload terhadap turnover intention dengan organizational support sebagai variabel mediasi pada karyawan PT XYZ. Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data melalui penyebaran kuesioner. Populasi dalam penelitian ini adalah karyawan PT XYZ yang berjumlah 250 responden, sedangkan sampel penelitian sebanyak 100 responden. Metode analisis yang digunakan adalah analisis regresi. Berdasarkan hasil penelitian, psychological contract dan job stress berpengaruh signifikan terhadap turnover intention, baik secara langsung maupun melalui variabel mediasi organizational support. Sementara itu, workload tidak memiliki pengaruh signifikan terhadap turnover intention melalui variabel organizational support
Pengaruh Live Streaming, Shopping Lifestyle, dan Hedonic Shopping Value terhadap Impulsive Buying melalui TikTok Shop dengan Mediasi Price Discount pada Generasi Z
Full text linkThe rise of e-commerce, particularly TikTok Shop, has altered the shopping behavior of Generation Z, with live streaming features triggering impulsive buying. This study aims to analyze the influence of live streaming, shopping lifestyle, and hedonic shopping value on impulsive buying, with price discount as a mediating factor among TikTok Shop users in the Kangean Islands, Sumenep Regency. The research adopts a quantitative approach using Structural Equation Modeling Partial Least Squares (SEM-PLS) analysis through SmartPLS 3.0. The results show that live streaming and shopping lifestyle significantly influence price discount but have no direct impact on impulsive buying. Conversely, hedonic shopping value significantly affects impulsive buying but does not significantly influence price discount. Additionally, price discount does not have a significant effect on impulsive buying and does not serve as a significant mediator between the independent variables and impulsive buying. These findings highlight those emotional factors such as hedonic shopping value drive impulsive buying behavior more than price discounts. This study provides new insights for marketers and e-commerce platforms on the importance of emotional factors in influencing impulsive buying among Generation Z, along with practical implications for marketing strategies on TikTok Shop.Perkembangan e-commerce, terutama TikTok Shop, telah mengubah perilaku belanja generasi Z, dengan fitur live streaming yang memicu impulsive buying. Penelitian ini bertujuan menganalisis pengaruh live streaming, shopping lifestyle, dan hedonic shopping value terhadap impulsive buying, dengan price discount sebagai mediasi pada pengguna TikTok Shop di Kepulauan Kangean, Kabupaten Sumenep. Metode yang digunakan adalah pendekatan kuantitatif dengan analisis Structural Equation Modeling Partial Least Squares (SEM-PLS) menggunakan SmartPLS 3.0. Hasil penelitian menunjukkan bahwa live streaming dan shopping lifestyle berpengaruh signifikan terhadap price discount, tetapi tidak memiliki pengaruh langsung terhadap impulsive buying. Sebaliknya, hedonic shopping value berpengaruh signifikan terhadap impulsive buying, tetapi tidak signifikan terhadap price discount. Selain itu, price discount tidak berpengaruh signifikan terhadap impulsive buying dan tidak menjadi mediasi signifikan antara variabel independen dan impulsive buying. Temuan ini menegaskan bahwa faktor emosional seperti hedonic shopping value lebih mendorong perilaku belanja impulsif dibandingkan diskon harga. Penelitian ini memberikan wawasan baru bagi pemasar dan e-commerce dalam memahami pentingnya faktor emosional dalam memengaruhi impulsive buying pada generasi Z, serta implikasi praktis untuk strategi pemasaran di TikTok Shop
Kearifan Lokal Masyarakat Urang Kanekes (Baduy) untuk Ketahanan Pangan Masyaraat dan Kontribusinya untuk Ketahanan Pangan di Kabupaten Lebak dan Provinsi Banten
Full text linkFor indigenous peoples, agriculture is still the basis of their lives. However, for the Kanekes people, agriculture is usually used as a ritual to worship their beliefs, so it becomes local wisdom that is the forerunner to the food security of the Kanekes people. This research aims to determine local wisdom, a determining factor in Urang Kanekes (Baduy) food security, and its contribution to food security in Lebak Regency and Banten Province. Using a mix-method for a qualitative approach to Urang Kanekes' local wisdom, producing the central system of huma rice farming, which is stored in Leuit, is local wisdom that plays a role in food security, and apart from farming, he sells honey, durian, brown sugar, and becomes a tour guide who visits Kanekes. The quantitative approach uses regression with Lebak Regency and provincial-level data. First, panel data regression for 28 subdistricts in Lebak Regency for 12 months from 2020-2021 shows that Leuwidamar Subdistrict, where Urang Kanekes is located, has a higher rice stock than the average for other subdistricts in Lebak Regency, for every month throughout the year. Second, multiple regression was applied to 4 food indices (security, availability, affordability, and usefulness) with data from 8 regencies/cities in Banten Province between 2018-2021. The research results show that local wisdom through farming and storing it in barns is an essential pillar of food availability for a community, in this case, the Urang Kanekes community, where food security at the community level will contribute to subsequent levels up to the national level.Pertanian bagi masyarakat adat masih menjadi tumpuan dalam kehidupannya, namun bagi masyarakat Kanekes, Pertanian biasa dijadikan ritual untuk beribadah kepada kepercayaannya, sehingga menjadi kearifan lokal yang menjadi cikal bakal ketahanan pangan masyarakat Kanekes. Penelitian ini bertujuan untuk mengetahui kearifan lokal yang menjadi faktor penentu ketahanan pangan Urang Kanekes (Baduy), serta kontribusinya terhadap ketahanan pangan di Kabupaten Lebak dan Provinsi Banten. Menggunakan mix-method, untuk pendekatan kualitatif kearifan lokal Urang Kanekes, menghasilkan sistem utama pertanian padi huma yang disimpan di leuit merupakan kearifan lokal yang berperan dalam ketahanan pangan, dan selain bertani berjualan madu, duren, gula merah, dan menjadi tour guide yang berkunjung ke Kanekes. Pendekatan kuantitatif memakai regresi dengan data tingkat Kabupaten Lebak dan data tingkat provinsi. Pertama, regresi panel data sebanyak 28 kecamatan di Kabupaten Lebak selama 12 bulan dari tahun 2020-2021, menghasilkan bahwa Kecamatan Leuwidamar di mana Urang Kanekes berada memiliki stok beras yang lebih tinggi daripada rata-rata kecamatan lain di Kabupaten Lebak untuk setiap bulan sepanjang tahun. Kedua, regresi berganda diterapkan untuk 4 indeks pangan (ketahanan, ketersediaan, keterjangkauan, dan kebermanfaatan) dengan data 8 Kabupaten/Kota di Provinsi Banten antara tahun 2018-2021. Hasil penelitian menunjukkan bahwa kearifan lokal dengan berladang dan disimpan di lumbung merupakan pilar ketersediaan pangan yang penting bagi suatu komunitas dalam hal ini komunitas Urang Kanekes, di mana ketahanan pangan ditingkat komunitas akan berkontribusi ke tingkat-tingkat selanjutnya hingga tingkat Nasional