Abstract:Revolusi digital telah mengubah perilaku konsumen hingga ke pelosok pedesaan, membawa implikasi mendalam bagi Usaha Mikro, Kecil, dan Menengah (UMKM) tradisional. Penelitian ini bertujuan mengkaji pengaruh inovasi produk…
dan pemasaran digital melalui WhatsApp terhadap keputusan pembelian pada Pabrik Tahu di Desa Sumber Ketempa, Kecamatan Kalisat. Pendekatan kuantitatif dengan desain asosiatif digunakan, melibatkan 96 responden yang dipilih secara purposive dari populasi 150 konsumen aktif. Data dikumpulkan melalui kuesioner berskala Likert 1-5 dan dianalisis menggunakan regresi linier berganda dengan SPSS 26. Hasil penelitian menunjukkan bahwa inovasi produk berpengaruh positif dan signifikan terhadap keputusan pembelian (t-hitung 5,542 > t-tabel 1,986; signifikansi 0,000), pemasaran digital melalui WhatsApp juga berpengaruh positif dan signifikan (t-hitung 3,381 > t-tabel 1,986; signifikansi 0,001), dan secara simultan kedua variabel menjelaskan 76,7% variasi keputusan pembelian (R²=0,767; F-hitung 151,386 > F-tabel 3,09). Temuan ini menegaskan bahwa inovasi produk dan pemanfaatan WhatsApp sebagai kanal pemasaran digital merupakan strategi komplementer yang efektif bagi UMKM pangan tradisional di pedesaan Indonesia. Penelitian ini merekomendasikan optimalisasi fitur WhatsApp (daftar siaran, katalog produk, dan grup pelanggan) serta pengembangan produk secara berkelanjutan untuk meningkatkan daya saing.
The digital revolution has fundamentally transformed consumer behavior even in remote rural areas, carrying profound implications for Micro, Small, and Medium Enterprises (MSMEs), particularly traditional food producers. This study aims to examine the influence of product innovation and digital marketing through WhatsApp on purchasing decisions at the Tofu Factory in Sumber Ketempa Village, Kalisat District. A quantitative approach with an associative design was employed, involving 96 respondents purposively selected from a population of 150 active consumers. Data were collected through Likert-scale questionnaires (1-5) and analyzed using multiple linear regression with SPSS 26. The results show that product innovation has a positive and significant effect on purchasing decisions (t-count 5.542 > t-table 1.986; significance 0.000), digital marketing through WhatsApp also has a positive and significant effect (t-count 3.381 > t-table 1.986; significance 0.001), and simultaneously both variables explain 76.7% of the variation in purchasing decisions (R²=0.767; F-count 151.386 > F-table 3.09). These findings confirm that product innovation and the utilization of WhatsApp as a digital marketing channel are complementary strategies effective for traditional food MSMEs in rural Indonesia. This research recommends optimizing WhatsApp features (broadcast lists, product catalogs, and customer groups) and continuous product development to enhance competitiveness.
Abstract:Penelitian ini bertujuan untuk menganalisis pengaruh persepsi kemudahan dan persepsi keamanan terhadap perilaku pengelolaan keuangan pengguna e-wallet pada Generasi Z. Perkembangan teknologi digital telah mendorong penggunaan…
unaan e-wallet secara luas di kalangan masyarakat, khususnya Generasi Z yang dikenal sebagai digital native. Kemudahan transaksi dan tingkat keamanan yang dirasakan menjadi faktor penting yang diduga memengaruhi cara pengguna dalam mengelola keuangan, baik dalam perencanaan, pengendalian pengeluaran, pencatatan transaksi, maupun kebiasaan menabung. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner kepada responden Generasi Z pengguna e-wallet di Kota Palopo. Data dianalisis untuk mengetahui pengaruh persepsi kemudahan dan persepsi keamanan baik secara simultan maupun parsial terhadap perilaku pengelolaan keuangan. Hasil penelitian diharapkan dapat memberikan kontribusi teoritis dalam pengembangan literatur manajemen keuangan digital serta manfaat praktis bagi pengguna dan pengembang e-wallet dalam menciptakan layanan yang tidak hanya mudah dan aman, tetapi juga mendukung pengelolaan keuangan yang lebih baik.
This study aims to analyze the influence of perceived ease of use and perceived security on the financial management behavior of Generation Z e-wallet users. The development of digital technology has encouraged the widespread use of e-wallets, particularly among Generation Z, who are known as digital natives. The convenience of transactions and the level of security perceived by users are important factors that may influence how they manage their finances, including financial planning, expenditure control, transaction recording, and saving habits. This study employs a quantitative approach using a survey method through questionnaires distributed to Generation Z respondents who use e-wallets in Palopo City. The data will be analyzed to determine the simultaneous and partial effects of perceived ease of use and perceived security on financial management behavior. The findings are expected to contribute theoretically to the development of literature on digital financial management and provide practical benefits for users and e-wallet developers in creating services that are not only convenient and secure but also supportive of better financial management.
Abstract:This study aims to analyze the financial feasibility of the SF'Barik Nutmeg Jam IKM business in Beong Village, Siau Tengah Subdistrict, Sitaro Regency. The research method used was a case study with a quantitative descriptive…
riptive approach. Data were collected through questionnaires administered to 40 respondents. The results of the study Break-Even Point (BEP), show that the total production cost for the agroindustry is Rp805,250 and total revenue of Rp1,400,000, resulting in an operating profit of Rp594,750. An R/C Ratio of 1.74 indicates that the business is viable. The BEP analysis shows that the break-even point is at 23.01 units, rounded to 24 units, with a BEP revenue of Rp805,350. Descriptively, the business is still managed in a simple, family-based manner, with marketing conducted through word-of-mouth promotion and social media. Based on the research findings, the SF’Barik Nutmeg Jam IKM is viable to operate and develop because it is capable of generating profits and has potential for the development of agro-industry based on local commodities.
Abstract:Fractional premium schemes in life insurance generally follow two main approaches: True Fractional Premiums, which are easy to implement but less fair to policyholders who die mid-period, and Apportionable Fractional Premiums,…
miums, which are more actuarially fair but administratively more complex. This study designs a Hybrid Fractional Premiums model that combines both approaches through a weighted linear combination using parameter , based on the 2023 Indonesian Mortality Table (TMPI), a 5% interest rate, a 10-year coverage period, and monthly premium payments. This descriptive quantitative study applies actuarial mathematics, covering the present value of insurance benefits, true fractional, apportionable fractional, and hybrid annuity factors, up to premium determination using the equivalence principle. The results show that the hybrid premium consistently lies between the true fractional and apportionable premiums, increases sharply with the insured's age, and is higher for males than females due to differences in mortality rates. Changes in the value of have a linear effect on the premium, although the impact is relatively small (a difference of less than IDR 200 per month). The hybrid model with is recommended as the optimal balance between actuarial fairness and ease of implementation, offering a more flexible alternative for premium determination in Indonesia's life insurance industry.
Abstract:This study examines how leadership and work-life balance influence employee performance directly and indirectly through employee engagement at the Fisheries Service of Central Maluku Regency. A descriptive quantitative,…
causal-correlational design was applied to the entire population of 49 employees using total sampling. Data were analyzed through descriptive statistics, path analysis, and Sobel tests to estimate direct, indirect, and mediating effects. The findings show that leadership significantly affects employee engagement (beta = 0.582; p < 0.001), while work-life balance also has a significant, although smaller, effect on engagement (beta = 0.129; p = 0.005). Employee engagement strongly affects performance (beta = 0.942; p < 0.001). In contrast, the direct effects of leadership (beta = 0.034; p = 0.613) and work-life balance (beta = -0.008; p = 0.756) on performance are not significant. Sobel testing confirms that employee engagement mediates the effect of leadership on performance (p = 0.00015) and the effect of work-life balance on performance (p = 0.03). The model explains 92.4% of the variance in performance. The study's novelty lies in demonstrating, within a local public-sector context, that leadership and work-life balance improve performance primarily by strengthening employee engagement rather than through direct effects. These findings imply that public organizations should prioritize engagement-oriented leadership and work-life policies to achieve sustainable employee performance.
Abstract:This study examines the effect of employee mutation on anxiety and productivity in the new workplace of educational staff at UIN Palopo. This study aims to determine the effect of mutation on anxiety, the effect of mutation…
ion on productivity, and the relationship between anxiety and productivity among educational staff at UIN Palopo. This research employed a quantitative approach with a causal associative design. The sample consisted of 65 educational staff. Data were collected using a Likert-scale questionnaire. Data analysis was conducted using descriptive and inferential statistics with the assistance of IBM SPSS Statistics. The results showed that mutation had a positive and significant effect on employee anxiety, with a significance value of 0.000 < 0.05 and a coefficient of determination of 48%. Mutation also had a positive and significant effect on productivity, with a significance value of 0.000 < 0.05 and a coefficient of determination of 43%. Meanwhile, the correlation between anxiety and productivity was 0.198 with a significance value of 0.114 > 0.05, indicating that the relationship was not significant. Therefore, mutation had an effect on anxiety and productivity, while anxiety did not have a significant relationship with the productivity of educational staff at UIN Palopo.
Abstract:Fashion sellers on TikTok Shop increasingly rely on live streaming marketing to engage Generation Z consumers, although how well this approach translates into repeat purchases remains underexplored, particularly the extent…
nt to which customer experience functions as a psychological link between the two. This study examines how live streaming marketing influences repurchase intention through customer experience as a mediating variable, focusing on Generation Z fashion consumers who use TikTok Shop in Makassar City. A quantitative design was applied, drawing on a purposive sample of 280 respondents, with data analyzed through SEM-PLS using SmartPLS 4. Findings reveal that live streaming marketing has a positive and significant influence on customer experience, whereas its direct effect on repurchase intention is not significant. Customer experience, in turn, positively and significantly affects repurchase intention and fully mediates the link between live streaming marketing and repurchase intention. These patterns suggest that Generation Z consumers remain skeptical of direct marketing cues and instead give greater weight to personal experience quality when deciding to repurchase. The study extends the Stimulus-Organism-Response framework to the live commerce setting and offers practical guidance for sellers to redirect marketing efforts from promotional intensity toward building immersive, personalized shopping experiences.
Abstract:The rapid development of digital technologies has transformed organizational work environments and created new demands for leadership, employee adaptability, and engagement. This study aims to examine the effect of digital…
al leadership, learning agility, and employee engagement on employee performance. A quantitative approach with a cross-sectional survey design was employed. Data were collected from 250 employees using a structured questionnaire measured on a five-point Likert scale. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate the measurement and structural models. The results demonstrate that digital leadership has a positive and significant effect on employee performance (β = 0.247; t = 4.218; p < 0.001). Learning agility also has a positive and significant effect on employee performance (β = 0.286; t = 5.037; p < 0.001). Furthermore, employee engagement has the strongest positive and significant effect on employee performance (β = 0.411; t = 7.126; p < 0.001). The model explains 68.4% of the variance in employee performance, indicating substantial explanatory power. These findings highlight the importance of integrating digitally capable leadership, continuous employee learning, and strong employee engagement to improve performance in an increasingly dynamic and technology-driven work environment. The study contributes to the understanding of how organizational and individual factors jointly support employee performance in the digital era
Abstract:This study aims to analyze the influence of E-Service Quality and Brand Image on Customer Loyalty in e-commerce through Impulsive Buying and Purchasing Decisions s on the Erigo fashion brand. This study uses a quantitative…
ve approach with an accidental sampling method, where respondents are consumers who have purchased Erigo fashion products through the e-commerce platform. The number of respondents in this study was 100 people. Data were collected through an online questionnaire and analyzed using the Partial Least Squares (PLS) method with the help of SmartPLS 3 software. The results show that E-Service Quality and Brand Image have a positive and significant effect on Impulsive Buying and Purchasing Decisions s. In addition, Impulsive Buying and Purchasing Decisions s have a positive and significant effect on Customer Loyalty. E-Service Quality and Brand Image also have a positive and significant effect on Customer Loyalty through Impulsive Buying and Purchasing Decisions s. These findings confirm that improving digital service quality and a strong brand image strategically contribute to the formation of impulsive buying behavior and Purchasing Decisions s that ultimately drive Erigo customer loyalty on the e-commerce platform.
Abstract:Digital financial transparency is crucial for achieving the Sustainable Development Goals (SDGs), particularly for building accountable and trustworthy public institutions. Limited studies examine whether digitalization…
actually delivers accessible financial information and whether such transparency strengthens sustainable public governance. This study addresses that gap by constructing an original, multi-dimensional, portal-level Digital Financial Transparency Index (DFTI) and linking it to sustainable public governance, an association not previously tested at the Indonesian subnational level. Using a quantitative, explanatory design, financial management and public information portals are assessed through content analysis. Twenty-one indicators covering organizational information, financial transparency, and website accessibility are aggregated into the DFTI. Sustainable public governance is proxied by the 2024 electronic-based government system (SPBE) index, the only nationally standardized, externally assessed, and annually published measure of digital public administration maturity in Indonesia. Ordinary least squares regression tests the hypothesis, complemented by Spearman correlation as a non-parametric robustness check suited to the small city and regency subsamples. The findings show DFTI has a positive and significant effect on SPBE (β = 0.026; p = 0.032). The effect operates through content rather than appearance: among regencies, organizational information and financial transparency correlate significantly (p < 0.05) with SPBE, website accessibility does not. The results provide recommendations that local governments should adopt a standardized minimum financial-disclosure content and prioritize the weakest indicators, which are raw data, citizen-friendly budget summaries, and personal data protection. Also the provincial government should channel budget-capacity support to low-DFTI regencies, where transparency and maturity are most strongly associated with budget resources to advance SDG 17.