Publication Search

The economic developments taking place in the world have resulted in an increasing number of financial products being offered to the public. explaining financial literacy has become increasingly complex over the last few years with the introduction of many new financial products. This requires people to have more financial knowledge to be able to address this. This is important because financial knowledge is closely related to financial behavior. Financial literacy is a component that becomes human capital that can be used in financial activities to increase the expected utility of consumption, namely behavior to increase economic welfare. The type of research used in this study is a quantitative approach. The quantitative approach is scientific research that systematically examines the parts and phenomena and their relationships. Quantitative data, namely systematic scientific research in the form of questionnaires and calculations as well as outlined in tabular form positive contribution and significant effect of Islamic financial literacy on customer decisions. From the results of the R square, which is equal to 0.770, it means that 77.0% of Islamic Financial Literacy can be explained by the customer's decision variable, while the remaining 33.0% can be explained by other variables such as education, employment status and other variables. Based on the results of previous research, the writer realizes that there are still many limitations and mistakes in this research. However, this research is expected to provide a useful contribution to the company.

This study aims to analyze and prove the effect of brand love on brand loyalty through self-esteem and susceptibility to normative influence as moderating variables. This research was conducted on consumers who used iPhone products at least twice. The data used in this study is primary data obtained by distributing questionnaires to consumers who use iPhones in the city of Padang. The data analysis technique used in this study is the Structural Equation Model (SEM). Data processing is done with Partial Least Square (PLS). Based on the results of testing the hypothesis that has been done, it was found that brand love has a positive effect on brand loyalty. In addition, self-esteem and susceptibility to normative influence also affect consumer brand loyalty to iPhone products in Padang City. The results of the indirect influence test show that self-esteem and susceptibility normative influence are able to mediate the relationship between brand love and consumer brand loyalty in using iPhone products in Padang City.  

This study aims to determine the application of standard costs, raw material costs, labor costs, and overhead costs at PT.Bibit Alam Sampoerna. The object of this study is the financial statements of the company administration for every transaction that comes out and costs, PT.Bibit Alam Sampoerna is a company engaged in Freshwater lobster cultivating services. The tools used in this research are interviews used as a data collection technique if the researcher wants to conduct preliminary studies to find problems that must be investigated or want to know things from respondents who are more in-depth and in a slightly small number of respondents. And observation is the most basic way to obtain information about social phenomena through the process of observation. Direct observation regarding the work environment and production processes from raw materials to finished product processes. The analysis technique used in this research is descriptive quantitative. Researchers will analyze the data in the form of costs in the production activities of PT. Seed Alam Sampoerna regarding the cost of production. Collecting Data, Identifying Company Standard Costs, Separating these costs based on cost behavior, namely variable costs incurred in the production process, Analysis of raw material costs, Analysis of labor costs, Analysis of factory overhead costs, Calculating the cost of production using the calculation according to researcher. After the company determines the standard cost of production costs, the company can carry out its production activities in accordance with its production goals. The standard cost set is a guideline or measure for each production cost that will be incurred. Research results To increase the effectiveness of production cost control, companies must implement a standard cost system which is used as a guideline for production costs.      

The daily needs of the people of Central Aceh cannot be separated from agricultural commodities such as tomatoes, shallots, garlic, and others. Some of these agricultural commodities have sharp price fluctuations, such as tomatoes. When the supply of tomatoes in the market is reduced, the price can be much higher than the normal price. Conversely, when the supply of tomatoes is excessive, the price will fall far below the normal price. This is influenced by various factors such as the harvest season, the amount of production, the amount of public consumption and others. Based on these problems, we need a method to be able to estimate the price of tomatoes so that it can be used to support decision making related to price issues. Forecasting is one of the solutions to be able to estimate the movement of tomato commodity prices. The method used for forecasting tomato prices is High Order Fuzzy Times Series Multifactors. In this method, subinterval formation is carried out using Fuzzy C–means. To calculate the error rate of forecasting results in this study using the Mean Square Error (MSE). Based on the results of the tests carried out, the large values ​​of the training and order data used in forecasting do not guarantee a low error rate.

The problems that exist in the Pekalongan Regency Tourism, Culture, Youth and Sports Office (Disporapar) on the one hand are problems in the organisational structure, especially in charge of Tourism, which has no sub-fields, even though the workload is very high. Another problem is that many tasks in the tourism sector have not been handled properly, such as the implementation of the licensing process and public services in the tourism sector, the implementation of qualifications and administration of tourism services, coordination and formulation of standards, norms and tourism promotion, and facilitation of tourism product development and the tourism business world and the creative economy in the tourism sector. On the other hand, it is a heavy responsibility for Disporapar to coordinate, communicate and socialise due to the low participation of the community to become "people aware of tourism".The purpose of the study was to analyse efforts to develop institutional capacity in public services in the field of tourism in Disporapar Pekalongan Regency. Analyse the factors that hinder and support capacity development efforts in public services in the field of tourism in Disporapar Pekalongan Regency. The data used are primary and secondary data. With data collection techniques using interviews, observation and documentation. Data analysis techniques through four stages that must be passed, namely information collection, data reduction, data presentation and drawing conclusions.Based on the results of the analysis of the above research, the conclusion is that first, the development of institutional capacity in coordinating public services in the tourism sector at the Pekalongan Regency Disporapar is not yet sufficient internally, such as budget improvement, improvement of organizational structure, recruitment of human resources apparatus, and provision of infrastructure facilities. Second, externally, there has been no development and improvement of tourism objects that are adequate for the consumption of local and foreign tourists in Pekalongan Regency. Thirdly, there is a lack of participation and awareness of the people to form "Rakyat Sadar Wisata" groups, but more people are not aware of tourism, so there is still "robbery" and destruction of tourist attraction facilities, illegal parking in tourist attraction areas, inadequate number and condition of tourist attraction facilities, and a lack of investors. However, there is a relief in the support from the Provincial and Central Governments as well as the availability of large areas of coastal, inland and mountainous land in Pekalongan Regency and the many potential natural resources in Pekalongan Regency that have not been utilised. However, there is a relief that there is support from the provincial and central governments as well as the availability of large areas of coastal, inland and mountainous land in Pekalongan Regency and there are still many potential natural resources in Pekalongan Regency that have not been utilised to create new tourism objects.  

This study aims to determine and analyze the effect of Product Design and Process Design on Product Quality at PT. Wijaya Agape Tasikmalaya. The research method used is survey, while the type of data used is primary and secondary data. The population in this study are all employees at PT. Wijaya Agape Tasikmalaya numbered 60 people. By taking total/census sampling, the data analysis technique uses path analysis using SPSS software. The results of the study show that good product design has a significant impact on product quality. Aspects such as aesthetics, functionality, and product usability have a positive influence on consumer perceptions of product quality. In addition, effective process design also contributes to product quality. Structured and standardized processes can reduce product defects and improve reliability. This research provides a better understanding of the importance of product design and process design in achieving the desired product quality. The results of this research can be used by companies to improve their design processes and ensure that the resulting products are of good quality. By paying attention to product design and process design holistically, the company can meet customer expectations and maintain a competitive advantage in the market.

The purpose of this study was to find out how much influence E-Commerce (X1), Product Innovation (X2) and Business Capital (X3) have on Increasing Income (Y). This study uses an explanatory research approach with quantitative methods. The data collection for this research was by distributing questionnaires to 100 respondents. The data analysis technique uses SPSS software version 25, in which the data will be processed, described and discussed to answer and prove the proposed hypotheses.The research results are as follows: (1). E-Commerce (X1) has a positive and significant effect on increasing income (Y). (2). Product Innovation (X2) has a positive and significant effect on Increasing Income (Y). (3). Business capital (X3) has a positive and significant effect on increasing income (Y). (4). E-Commerce (X1), Product Innovation (X2) and Business Capital (X3) simultaneously (together) have a positive and significant effect on Increasing Income (Y).

This study aims to determine the effect of CRM and product innovation on customer loyalty SMeS Bordir. The method used in this study is a quantitative method with a descriptive approach, with a research sample of 100 respondents and the analytical tool used in this study is multiple linear regression. The results of this study indicate that CRM and Product Innovation have a significant simultaneous effect on Customer Loyalty in SMeS Bordir. CRM and Product Innovation have a significant partial effect on Customer Loyalty to SMeS Bordir.

Tanah Toa Village is one of the gods that belongs to the Kajang sub-district, Bulukumba district. So far, Tanah Toa has been recognized as a national cultural heritage, especially in the Kajang Dalam area. The non-coastal location makes agricultural activities the dominant activity among the community. Only a few residents run the business of smoking fish. Pera smoked fish business actors obtain raw materials for skipjack tuna in the Bonto Maritime area which is a coastal area. While the production of smoked fish is sold to markets around the Kajang sub-district and the city of Bulukumba. The quality of smoking that is not maximized causes smoked fish to not last long. Smoked fish produced can only last a maximum of 3 days. This makes it difficult for smoked fish production to be traded outside the province or made into souvenirs for tourists who come from out of town. The durability of the smoked fish produced is not yet good because the smoking process only lasts about 2 hours, so the water content is still there. The use of fish smoking technology is also not owned by business actors, making it difficult for business actors to have difficulty in producing good quality smoked fish.

Before there is an interest in buying a product, consumers will first search for product information in various ways. One of them is by looking at review information on several social media, blogs, websites, and favorite influencers. This study aims to determine the effect of Beauty Influencers, Customer Reviews, and Customer Ratings on Interest in Buying Garnier skincare products. The population in this study are Belia Cosmetic consumers at Shopee. This study uses a quantitative approach. The data collection technique was carried out by distributing questionnaires to 100 respondents using a non-probability sampling method through a purposive sampling technique. The results of the study show that beauty influencers have no positive and significant effect on purchase intention. The results of the study show that customer reviews have a positive and significant effect on purchase intention. The results of the study show that customer ratings have a positive and significant effect on purchase intention. The results show that the variables beauty influencer, customer review, and customer rating have a positive and significant effect on the intention to buy Garnier skincare products.

The development of franchise businesses in the field of f&b is a form of human innovation and creativity as we live in modern times and this has led to high competition. This competition makes business actors implement marketing strategies with the aim of attracting consumers through purchasing decisions. This study aims to determine the effect of Marketing Mix and Service Quality on Purchase Decisions for Mixue beverage products in the Mojosari branch. This study used a quantitative method with a sample of 100 respondents using accidental sampling technique. The data collection method used online questionnaires and used data processing tools in the form of IBM SPSS 26. The results showed that marketing mix and service quality had a positive and significant effect on purchasing decisions at Mixue outlets Mojosari branch.

The rapid growth of technology and economic growth is the result of modernization. It is getting easier for people to carry out financial transactions by providing high-quality services as the level of competition between them increases. Banks will make money by providing banking services. Revenue is derived from service-based fees and product revenue. It is hoped that banking services will be able to increase the income of BRILink agents.

Thel purposel of this papelr is to analyzel: 1) To deltelrminel thel elffelct of Brand Imagel on Purchasing Delcisions in purchasing Somelthing products. 2) To deltelrminel thel elffelct of brand imagel on consumelr satisfaction in purchasing Somelthing products. 3) To deltelrminel thel elffelct of Ellelctronic Word Of Mouth on Purchasing Delcisions in purchasing Somelthing products. 4) To deltelrminel thel elffelct of Ellelctronic Word Of Mouth on Consumelr Satisfaction in purchasing Somelthing products. 5) To deltelrminel thel elffelct of Purchasel Delcision on Consumelr Satisfaction. 6) To deltelrminel thel elffelct of Brand Imagel and Ellelctronic Word Of Mouth simultanelously on Purchasel Delcision and Consumelr Satisfaction. Thel typel of relselarch writteln by this writelr is associativel writing using a quantitativel approach. Thel sampling telchniquel was carrield out using thel Non Probability Sampling telchniquel with a purposivel sampling telchniquel with a population of 114 relspondelnts. With thel critelria: (1) Consumelrs ageld 17 yelars and ovelr (2) Havel purchaseld Somelthing products (3) Havel relvielweld skincarel products onlinel (4) Domicilel in Pasuruan Relgelncy. Whilel thel analysis telchniquel useld is path analysis or path analysis with calculation analysis tools using SPSS 22.

This study to determine the effect of product, proce, and location on customer satisfaction either partially or simultaneously. The location of this research was conducted at UD. Guna Karya Grogol, Kediri Regency. The objects in this research are rice cutomers from UD. Guna Karya Grogol, Kediri Regency. This research is quantitative research. Data cllection was carried out using questionnaires, interviews, observation, documentation and literature, Data analysis was perfomed usuing validity test, realibility test, classic assumption test., multiple linear test, hypothesis test, determination test. From the result of the research that has been done, it shows that the first problem formulation regarding the product partially has a significance level effect on customers satisfaction. This is evidenced by the t count value of 2.850 with a significance level of 0,009. Price partially has a significance effect on consumer satisfaction. This is evidenced by the t count value of 1.948 with a significance level of 0,044. Place partially has a significant effect on customer satisfaction. Product,price and Place on customer satisfaction simultaneously have a significant effect on customer satisfaction. F count is 3.968 with a sig level of 0.021 where the figure is <0.05.

This study aims to determine the effect of brand image, product quality and after-sales service on purchasing decisions at U Winfly Malang electric bike. This study used a quantitative approach, totaling 60 consumers on U Winfly Malang electric bike  who were selected by total sampling and saturated sample techniques as research subjects. The statistical analysis used in this study is with the help of the SmartPLS version 3.9 computer program. The results showed that brand image had a significant positive effect on purchasing decisions, product quality had a significant positive effect on purchasing decisions, After sales service had no significant positive effect on purchasing decisions at U Winfly electric bicycles Malang  

This study aims to determine the effect of Brand Ambassador, Brand Image, Electronic Word of Mouth on Purchase Decisions for Nature Republic Products on the Shopee Marketplace. The sampling method in this study is non-probability sampling with purposive sampling. The research method used in this study was a quantitative survey with a sample of 58 people. The population used in this study were women or men who used Nature Republic products. The analysis used used SPSS 26. The research data analysis technique used multiple linear regression analysis, t test, F test and the coefficient of determination (R2). The data collection process was carried out by distributing google form questionnaires. The results of this study indicate that brand ambassadors have a significant effect on purchasing decisions as evidenced by the existence of a T-test value of 0.860 at a significance level of 0.05. Brand image has a significant effect on purchasing decisions of 0.779 with a significance level of 0.05. In addition, E-wom also has a significant effect on purchasing decisions of 0.662 with a significance level of 0.05. The F-test table was created to measure the effect of the independent variables simultaneously and the F-test statistical value was 0.129 which was greater than the significance level of 0.05, so it could be concluded that the F-test table had no effect. on purchasing decisions. From the findings above, it can be concluded that Brand Ambassador and Brand Image have a positive effect on purchasing decisions, while E-wom has no significant effect on purchasing decisions.

The purpose of this study was to determine the effect of gold price fluctuations, promotions, and manual gold investment risks on public interest in gold savings products at PT Pegadaian UPC Purwosari (Study on Communities in Purwosari District). This type of research is a quantitative research. The population in this study is the community in Purwosari District. The sample in this study amounted to 400 respondents and the sampling technique used purposive sampling with several criteria for respondents who lived in Purwosari District, were not yet customers and did not have a gold savings product at PT Pegadaian UPC Purwosari, and were over 17 years old. Source of data in this study is sourced from primary data. Data collection techniques used by distributing questionnaires. The analytical tool used is multiple linear regression analysis. The results of this study indicate that fluctuations in the price of gold have a positive but not significant effect on people's interest in gold savings products, promotions have a positive but not significant effect on people's interest in gold savings products, and investment risk has a positive and significant effect on people's interest in gold savings products. Fluctuations in gold prices, promotions, and investment risks affect people's interest in gold savings products.

A company is one of the types of business entities protected by law as the place where the production process of a good or service is used to meet the needs of society. To the company’s goals, it requires the contribution of good employees. Cultivating a high working spirit should be considered by the company’s managers as an obligation whose nature is constant. Especially with regard to the workload that can cause work stress, communication between employees that can lead to an increase or decrease in working spirit. The aim of this survey is to know the impact of workload, work stress, and communication on employee work spirit. This research population is the entire staff of PT Iron Steel Metalindo of Mojokerto district. The sample was 78 using saturated sampling techniques. Data analysis techniques use double linear regression analysis with the help of the SPSS 25 program. Research findings show that workload variables have a negative and significant influence on the work spirit, work stress has a negative, significant impact on the working spirit, and communication has a positive and significant effect on the job spirit.      

To reduce the potential for transmission of Covid-19, the Indonesian government has implemented a Large-Scale Social Restrictions (PSBB) policy and recommended physical distancing. This recommendation led to the closure of facilities such as schools or college so that students were required to carry out learning activities remotely. This makes students feel the impact on the implementation of PJJ. One of them is that students experience academic burnout. Therefore, self-efficacy is needed to reduce the increase of academic burnout in student. This study aims to test empirically the relationship between self-efficacy and academic burnout in students who’re doing distance learning. The method used was quantitative method with 246 students as respondents and the sampling technique was purposive sampling. Hypothesis testing was using the Product Moment correlation technique from Pearson. Based on this study, the results of a correlation coefficient of r = -0.343 with a significance value of 0.000 (p ≤ 0.01) indicate that there is a significant negative relationship between self-efficacy and academic burnout in students doing PJJ. The higher the self-efficacy, the lower the academic burnout

The growing subsector of the food and beverage industry, including the highly competitive restaurant industry, highlights the importance of research in maintaining businesses and increasing customer loyalty in this sector. The purpose of this research is to investigate the influence of service quality on customer loyalty through customer satisfaction as a mediator in Fun House Resto. The method used is the Partial Least Squares - Structural Equation Modeling (PLS-SEM) analysis technique with descriptive and quantitative analysis. The sample used was 100 respondents using purposive sampling method in determining the respondents. The results of the study indicate that service quality has a direct positive effect on customer loyalty, service quality has a positive and significant effect on customer satisfaction, customer satisfaction has a positive and significant effect on customer loyalty, and service quality has a positive and significant effect on customer loyalty through mediation of customer satisfaction. These results indicate that Fun House Resto should consider maintaining service quality and customer satisfaction in ensuring customer loyalty. Furthermore, as part of their efforts to maintain customer loyalty, they should also consider other factors such as product quality, facilities, prices, and others.