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74,135 articles from 721 journals · 2,111 citations tracked

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Azzahra Angelita; Muslimin Muslimin; Ahmad Faisol

Jurnal Manajemen Bisnis Era Digital 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This research try to examine how investment choices in property and real estate sector businesses listed on IDX (2020-2024) are impacted by the cost of debt and equity.For the accuracy of the analysis, this study also uses firm size and profitability as controler. Purposive sampling was used in the sampling process, which produced seven qualifying organizations with a total of 35 observations over a five-year period. Panel data regression was used for data analysis, and the Common Effect Model was shown to be the best estimation model. The findings show that investment decisions are significantly influenced by firm size, profitability, cost of debt, and cost of equity all at the same time. Nonetheless, investment choices are not much impacted by the cost of debt. Similarly, it has been demonstrated that the cost of equity has no appreciable effect on the capital expenditures of the businesses. Firm size has a favorable and substantial impact, making it the main motivator for investment activity in the real estate industry. During the study period, investment decisions were not significantly impacted by profitability. These results show that, especially in the post-pandemic economic recovery era, asset capacity and economies of scale are more important for the viability of real investment projects for property firms on the IDX than yearly variations in capital costs.

Hutari Adeningsih; Said Said; Imam Tri Wibowo

Riset Ilmu Manajemen Bisnis dan Akuntansi 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study analyzes the influence of Social Media, Impulsive Buying Behavior, Financial Technology Trust, and Financial Literacy on the Interest in Using Shopee PayLater among Generation Z youth in Jombang Village, South Tangerang. Out of a population of 6,618 teenagers, a sample of 150 respondents was selected using Purposive Sampling, exceeding the initial Slovin formula requirement of 99 participants to ensure higher data reliability. The research adopts a quantitative approach with multiple linear regression analysis processed via SPSS version 25. Data collection integrated primary sources from structured questionnaires with secondary data from comprehensive literature reviews. The results demonstrate that Impulsive Buying Behavior and Financial Technology Trust significantly and positively affect Shopee PayLater usage interest. Conversely, Social Media and Financial Literacy do not show a significant positive impact to Shopee PayLater usage interest. These findings provide critical insights into the digital consumption patterns and financial decision-making behaviors of the modern Indonesian youth demographic.

Andiko Tongga; Ellya Niken Prastiwi; MF. Arrozi Adhikara

International Journal of Economics and Management Sciences 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Healthcare organizations are increasingly required to preserve the sustainability of their institutional values by ensuring high-quality services, operational efficiency, and rigorous adherence to risk governance frameworks. RSUD dr. Chasbullah Abdulmadjid Bekasi City continues to face considerable challenges in this regard, particularly due to the limited internalization of core organizational values, disparities in the cultivation of an adaptive culture, and inconsistent employee compliance with established risk management procedures. These issues highlight the necessity for a leadership paradigm grounded in service, empathy, and empowerment.This study investigates the extent to which servant leadership influences the creation and protection of corporate values, while examining the mediating roles of strong adaptive culture and employee compliance doing the implementation of risk management. Employing a quantitative explanatory survey design, the research collected responses from 153 hospital employees, and data were analyzed through Structural Equation Modeling (SEM) to evaluate both direct and mediated causal pathways among variables.The findings reveal that servant leadership significantly strengthens creation and protection of corporate values, not only through direct influence but also by enhancing cultural adaptability and reinforcing compliant behavior in risk-related practices. Leaders who embody service-oriented principles are shown to cultivate work environments that foster mutual trust, organizational learning, and value-based decision-making.This study contributes meaningful empirical evidence to the discourse on leadership, organizational culture, and compliance within public hospital settings. Institutional strategies should prioritize continuous leadership development and comprehensive risk governance training to secure long-term performance excellence and reputational resilience.

Chanra Purnama

Journal of Nautical Science and Technology 2026 Politeknik Pelayaran Sulawesi Utara

The adoption of Maritime Autonomous Surface Ships (MASS) under the IMO MASS Code represents the most consequential redefinition of the Officer of the Watch (OOW) role in the history of modern seafaring. While autonomous navigation technologies progressively assume operational functions traditionally performed by human officers, the decision-making competencies, supervisory responsibilities, and COLREGs compliance challenges that arise at the human-autonomy interface remain empirically undercharacterized — particularly in the complex, high-traffic, and archipelagic shipping environments of Southeast Asia. This study investigates autonomous navigation decision-making and the evolving OOW role in the context of MASS integration within Indonesian shipping corridors. Employing a qualitative research design, data were generated through semi-structured interviews with senior deck officers, maritime education experts, and maritime regulatory practitioners, supplemented by systematic document analysis of IMO MASS Code provisions and Indonesian domestic shipping regulatory frameworks. Analysis proceeded through thematic analysis, cross-group comparison, and narrative synthesis. Findings reveal that OOW competency frameworks face four structurally unresolved challenges under MASS integration: situational awareness degradation in remote supervisory roles, COLREGs interpretive ambiguity in human-autonomy encounter scenarios, institutional unpreparedness in maritime education curricula, and regulatory gaps in Indonesian domestic MASS governance. The study argues for the urgent development of a MASS-competent OOW framework that integrates autonomous systems literacy, adaptive decision-making training, and regulatory alignment within Indonesian maritime education and policy.

Maruasas Nainggolan; Hanna Grace Immanuella

ARDHI : Jurnal Pengabdian Dalam Negri 2026 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

This article explores the meaning of human life through the lens of value, choice, and ultimate purpose. Drawing from the analogy of nature, the study argues that human existence is likewise structured around meaning rather than randomness. Human beings inevitably encounter diverse and sometimes conflicting values, requiring discernment and responsible decision-making. Not all values carry equal weight; their significance depends on their proximity to the ultimate goal of human life understood in its totality. The paper identifies three fundamental attitudes toward life: a pessimistic stance that perceives life as failure, a hedonistic stance that seeks satisfaction and pleasure, and a constructive stance that embraces life as a meaningful vocation. Through a reflective-ethical approach, the discussion highlights the importance of mission, prioritization, empathetic communication, synergy, and continual self-renewal. Ultimately, the quality of human existence is determined by the values one chooses to uphold and the orientation of life toward a higher, integrative purpose.

An Nisaa Fitri Nur Aini

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study is motivated by the importance of actualizing Pancasila values in students’ lives, not only at the cognitive level but also in daily social interactions within the campus environment. Phenomena such as digital individualism, exclusivity in social relationships, and bullying practices indicate a gap between understanding and implementation of Pancasila values. This study aims to analyze the forms of Pancasila value actualization through students’ social interaction patterns and their implications for character building. The research employs a qualitative approach using a library research method, with secondary data derived from scientific journals, books, and relevant academic documents. Data collection was conducted through documentation study, while data analysis used descriptive-critical content analysis. The findings show that the actualization of Pancasila values is reflected in religious tolerance, rejection of bullying, cross-cultural inclusivity, deliberative decision-making, and fairness in academic collaboration. These results indicate that students’ social interaction serves as an important indicator of successful internalization of Pancasila values. Practically, this study highlights the importance of strengthening character education based on social practices to develop ethical, inclusive, and Pancasila-oriented young generations.

Pamirah Pamirah; Aris Toening W; Permadi Mulajaya

Discourse on Law and Society 2026 International Forum of Researchers and Lecturers

This study aims to analyze the implementation of good governance principles in inclusive public services in Candisari District, Semarang City. The study used a descriptive qualitative approach with data collection techniques through questionnaires, interviews, and documentation. Research informants consisted of sub-district officials and community service users, including vulnerable groups. Data analysis was conducted through the stages of data reduction, data presentation, and conclusion drawing. The results of the study indicate that the implementation of good governance principles in Candisari District has begun, but has not been running optimally. The principle of transparency has been attempted through the provision of service information and the use of digital media, but accessibility of information for vulnerable groups is still limited. The principle of accountability has not been fully realized, as indicated by the less than optimal performance of the Women and Children Protection Task Force (Satgas PPA) in carrying out its duties and the less than optimal inclusive public complaint mechanism. From the aspect of participation, community involvement, especially vulnerable groups, in the planning and decision-making process is still limited and unstructured. In addition, legal certainty and regional security stability are relatively conducive, but still require institutional strengthening and synergy between stakeholders. This study concludes that the implementation of good governance in Candisari District still faces institutional, participation, and service accessibility constraints, so a strategy is needed to strengthen governance to realize inclusive and sustainable public services.

Desy Arigawati; Muhamat Suhaendi; Sayadi Mahmud; Firda Celiana Bahri; Nadia Inayatul Ulya Al − Husna +9 more

Faedah : Jurnal Hasil Kegiatan Pengabdian Masyarakat Indonesia 2026 FKIP, Universitas Palangka Raya

In the era of globalization, children are exposed to a social environment influenced by external factors such as social media, advertising, and a consumer culture, all of which can promote a materialistic lifestyle. Consequently, financial literacy education has become essential to equip children with the necessary skills to manage their finances effectively. Beginning with a simple understanding of accounting, children can learn fundamental concepts of money management, financial decision-making, and planning. However, many young children still lack access to this vital education. Various learning methods and media, including loose parts, storytelling, and interactive educational tools, can be utilized to foster financial understanding. Additionally, this education promotes important social concepts like sharing, charity, and the responsibility of managing finances to help others. It integrates Islamic principles, emphasizing values such as honesty, justice, transparency, and the avoidance of usury. Through these principles, children are not only taught how to manage their personal finances but also how to contribute to society. By implementing financial literacy education at an early age, we can help children grow into informed, ethical, and responsible leaders in the future. This education is crucial for ensuring they make sound financial choices and contribute positively to their communities.

Arief Rahman Hakim; Karjo Padondan

JTI : Jurnal Teknologi dan Informatika 2026 STMIK Pesat Nabire

Electricity Usage Control (P2TL) is a strategic program of PT PLN to reduce losses due to illegal electricity usage. This study aims to analyze the use of Geographic Information Systems (GIS) based on QGIS in supporting P2TL monitoring in Nabire Regency. The data used includes 54,939 customer coordinate points, collected through field surveys using GPS with a high level of accuracy. The method applied is descriptive spatial analysis with overlay techniques and spatial clustering. The results of the study show an uneven distribution of customers between districts, with the highest concentration in Nabire District (18,247 customers or 33.2%). The dominant tariff type is R1T (60.3%) with the largest power capacity of 1300 VA (49.5%). Spatial analysis identified 12 hotspots and 8 priority monitoring zones. The application of GIS increases the effectiveness of identifying vulnerable areas by 78% and reduces the duration of field inspections by 45%. The resulting thematic map visualization provides significant support in location-based decision making.

Gloriyana Dwijayanti Hurulean; Kristia Yuliawan

JTI : Jurnal Teknologi dan Informatika 2026 STMIK Pesat Nabire

Efficient and accurate management of population data is a crucial aspect for government organizations, especially the Nabire Regency Women's Empowerment and Child Protection Office (DP3A). Currently, manual filing methods cause various obstacles, such as data errors, delays in public services, and difficulties in the reporting process. This study proposes the development of a web-based population data archiving information system using the Waterfall method. The system is designed to integrate and automate the process of managing sensitive data, including search, update, and report generation features. The results of the development show that the system is able to improve operational efficiency, data accuracy, and information security. In addition, this system supports transparency and accountability in the management of the DP3A program, including MSME and Family Planning data, while facilitating access to information for the public. Thus, this web-based archiving information system is expected to be a strategic solution in improving the quality of public services and supporting more appropriate decision-making within the DP3A environment of Nabire Regency.

Paulus S Deda; Immanuel Candra Irawan

JTI : Jurnal Teknologi dan Informatika 2026 STMIK Pesat Nabire

This research is motivated by the problem of inefficient manual recording of employee attendance at the Central Papua Provincial Bawaslu, which often causes errors and inaccurate attendance data. The main goal of the research is to develop a PHP and MySQL-based digital attendance system that is able to record attendance automatically, real-time, and integrated. The research methods include needs analysis, database and interface design, program code implementation, and system testing. The results of the study show that the digital attendance system developed has succeeded in facilitating the recording of entry times, exit times, and recapitulation of employee attendance with a higher level of accuracy than manual methods. The implications of the implementation of this system are increased administrative efficiency, ease of monitoring, and the provision of more valid attendance data to support fast and appropriate decision-making within the Central Papua Provincial Bawaslu. Thus, this digital attendance system can be a practical solution in improving the quality of human resource management in government agencies.

Ayu Hartini, Aulia; Liana, Duta; Johanes Johanes

Journal of Health Sciences, Public Health and Pharmacy 2026 International Forum of Researchers and Lecturers

Patient-Centered Care (PCC) is a healthcare approach that places the patient at the center of every interaction and clinical decision-making. However, a preliminary study at Tarumajaya Hospital showed that 58% of healthcare workers had not yet optimally implemented the PCC approach. This study aimed to analyze the influence of self-efficacy and social support on the implementation of Patient-Centered Care, with safety culture as a mediating variable, at Tarumajaya Hospital. The research method used was quantitative analytic with a cross-sectional design. The study sample used a saturated sampling technique of 132 healthcare workers, consisting of doctors, nurses, and medical support staff. Data analysis used Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results showed that self-efficacy and social support had a positive and significant effect on safety culture and PCC implementation. Safety culture also had a positive and significant effect on PCC implementation. Furthermore, safety culture was shown to mediate the influence of self-efficacy and social support on PCC implementation. The coefficient of determination value indicates that the model has strong ability to explain variations in PCC.

Moh Nur Iman Siyus Setyowati; Dihin Muriyatmoko; Eko Prasetio Widhi

Prosiding Seminar Nasional Ilmu Teknik 2026 Asosiasi Riset Ilmu Teknik Indonesia

Career selection is an important process for students at Darussalam Gontor University (UNIDA) because it influences their academic development and future employment. However, many UNIDA students experience difficulties in determining suitable careers due to a lack of understanding of their psychological characteristics. This study aims to build a Decision Support System (DSS) for career recommendations for UNIDA students based on psychological test results using the Simple Additive Weighting (SAW) method. The psychological data used are non-clinical test results collected through a structured questionnaire from six respondents and converted into numerical scores. The research stages include determining criteria and weights, compiling a decision matrix, normalization process, calculating preference values, and ranking career alternatives using SAW. The career alternatives used consist of academics, corporate professionals, entrepreneurs, managers, and social/public services. The results show that the managerial career alternative obtained the highest preference value of 0.861, followed by entrepreneurs at 0.824, corporate professionals at 0.778, social/public services at 0.737, and academics at 0.703. These findings demonstrate that the SAW method is capable of providing objective and systematic career recommendations based on the psychological profiles of UNIDA students. This research is expected to assist UNIDA students and academics in making more informed career decisions tailored to individual characteristics

Atalia Pili Mangngi; Ni Putu Indu Dewi Pradnyani Murti; Ermi Lilianda Alang; Ninick Corea Fernandez

International Journal of Health and Social Behavior 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

Maternal Mortality Rate (MMR) is a critical indicator for evaluating maternal health programs, and insufficient knowledge of pregnancy danger signs remains a significant factor in preventable maternal complications and mortality. This issue is particularly prevalent among third-trimester pregnant women. Health education has proven to be an effective strategy for enhancing maternal knowledge, promoting early detection of obstetric emergencies, and supporting timely decision-making. This study aimed to evaluate the impact of health education on improving knowledge of pregnancy danger signs among third-trimester pregnant women in Nunkurus Village. A pre-experimental study with a one-group pre-test–post-test design was conducted, involving 42 third-trimester pregnant women, with 40 selected through purposive sampling. Structured questionnaires were used to collect primary data, and the Wilcoxon signed-rank test was employed to analyze the knowledge differences before and after the intervention. Results showed a statistically significant increase in knowledge after the health education intervention (p-value = 0.000; p < 0.05). In conclusion, health education significantly enhances knowledge of pregnancy danger signs among third-trimester pregnant women. Strengthening community-level educational interventions can help in early detection of pregnancy complications and contribute to reducing maternal morbidity and mortality.

Citra Resonansi Humaniora; Nailah Fiorenza Fitriyah; Iryanti Amanda Puspita Sari; Putri Annisa Tyara Anggie; Raisiya Nadhira Abhitah +2 more

Prosiding Seminar Nasional Ilmu Teknik 2026 Asosiasi Riset Ilmu Teknik Indonesia

Conflicts in transmigration areas are generally multidimensional and influenced by social, economic, land, and institutional factors. This study aims to identify the forms and distribution of conflicts in three districts of the transmigration area, namely Momi Waren District, Ransiki District, and Oransbari District, as well as to formulate a smart system-based conflict resolution approach through the use of spatial data, local institutions, and local wisdom-based settlement practices. Based on field mapping, four main categories of conflict were identified: 1) Land conflicts occur throughout the transmigration sites in the form of claims to transmigration land that has not been handed over to transmigrants because the compensation price is below normal. In addition, there is no ATR BPN office in South Manokwari Regency, one of whose functions is community empowerment and conflict resolution. 2) Economic conflicts occur because transmigrants are registered and recorded in the population registry, making it easy for them to access capital. Several economic activities in agriculture and transportation services are dominated by transmigrants, causing economic jealousy. 3) Social conflicts occur when the distribution of social assistance is uneven and the excessive use of illegally sold alcoholic beverages causes social unrest. 4) Institutional conflicts occur when civil servants, police, and military personnel are recruited, and not all indigenous Papuans who are nominated can be accommodated, requiring the involvement of tribal councils to formulate recommendations for recruitment that prioritize indigenous Papuans. The root causes of the conflict were analyzed using a root cause analysis approach that covered unclear land boundaries, unequal economic access, weak coordination between institutions, and low social trust due to differences in interests between groups. This study utilizes best practices from the Tribal Council, the South Manokwari Regency Transmigration and Manpower Office, the Religious Harmony Forum, and the Social Services Office as the basis for developing smart maps for an early warning system for conflicts. The results of the study formulate a Smart Conflict Resolution System framework consisting of three main components: (1) participatory spatial mapping of conflicts and key actors, (2) integration of institutional databases and social-customary mediation channels, and (3) design of smart maps as a mitigation and decision-making tool in transmigration areas. This system is expected to strengthen collaborative governance, prevent conflict escalation, and realize inclusive and sustainable management of transmigration areas

Rai Lira Dos Santos Rego, Jose Ian

IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi 2026 Fakultas Teknologi Informasi, Universitas Kristen Satya Wacana

Best graduate selection is crucial for academic achievement and contributes to the accreditation value of the institution. Instituto Profissional de Canossa (IPDC) is a higher education institution founded by the Canossian Sisters in Timor-Leste. To improve the effectiveness of assessment and decision-making processes, an information system is needed to assist in selecting the best graduates based on multiple criteria. This research develops a web-based Decision Support System (DSS) using the Multi-Attribute Utility Theory (MAUT) method. MAUT is a multi-criteria decision-making method that evaluates alternatives based on their utility scores across several criteria. The study uses four main criteria: attendance, academic performance, ethics, and discipline. The system is implemented as a web application for universal access. The MAUT calculation results provide valid and accurate recommendations for the best graduates. System testing showed that the application successfully ranked candidates based on defined weights and criteria, providing objective and consistent selection results.

Honggowidagdo, Hermawan; William, Thomas; Henkie Ongowarsito

IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi 2026 Fakultas Teknologi Informasi, Universitas Kristen Satya Wacana

The rapid growth of short-form social media platforms has increased the complexity of decision-making during the digital content planning stage. Content creators are required to evaluate the feasibility of content ideas and determine platform suitability prior to production, while most existing tools primarily focus on post-publication analytics. This study aims to design an Artificial Intelligence (AI)-enabled Decision Support System (DSS) to evaluate digital content ideas in the pre-production stage. Adopting a Design Science Research approach, the study develops a conceptual design artifact that integrates intrinsic content idea characteristics with cognitive and affective response modeling grounded in the Stimulus–Organism–Response (S-O-R) framework, alongside platform affordance mapping. The proposed artifact operationalizes a reflective evaluation mechanism that generates platform recommendation scores and idea enhancement suggestions without claiming deterministic or predictive performance modeling. Evaluation was conducted qualitatively through practitioner assessment to examine perceived usefulness, clarity of recommendations, and decision support contribution. The findings indicate that the developed artifact provides a structured reflective framework for early-stage content evaluation. Theoretically, this study extends the application of the S-O-R framework by operationalizing it as a design logic for a pre-production DSS artifact. Practically, the proposed system has the potential to support more systematic decision-making prior to content production.

Umbu Sius Rina Weikalowo; Adelbertus Umbu Janga; Diana Reby Sabawaly

Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

This study aims to analyze the application of personnel management information systems at the West Sumba Regency Personnel and Human Resources Development Agency (BKPSDM). The main focus of the research is to assess how an integrated information system is able to produce up-to-date, accurate, and can support the decision-making process in personnel policy. An integrated information system is expected to facilitate employee data management, improve administrative efficiency, and strengthen transparency in human resource management. The research method uses a qualitative approach with case studies, through interviews with relevant officials, direct observation, and analysis of relevant documents. The results of the study show that the implementation of an integrated personnel management information system has a positive impact in the form of accelerating administrative processes, reducing data input errors, and facilitating access to information for interested parties. However, the research also found a number of challenges, such as the limitation of human resources trained in the use of technology systems and infrastructure that is not yet optimal. This study concludes that strengthening human resource capacity and increasing infrastructure support is a strategic step to optimize the personnel management information system. The research recommendations are expected to be a reference for the West Sumba Regency BKPSDM and other government agencies in developing a more effective and sustainable information system.

Rusma Riansyah; Dimas Aqila Aptanta; Hafiz Aryanda; Muhammad Farhan; Ibnu Rusydi

Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The rapid expansion of internet usage has led to a significant increase in cybersecurity threats, particularly phishing attacks delivered through malicious links. Phishing links are designed to imitate legitimate websites in order to deceive users and steal sensitive information. This study presents the implementation of a phishing link detection website based on SSL validation and URL scoring mechanisms. The proposed system integrates heuristic-based URL analysis with real-time SSL certificate validation obtained through the SSL handshake process. Digital certificates are verified using RSA-based digital signature verification issued by trusted Certificate Authorities (CAs). In addition, the SHA-256 hash algorithm is employed to generate certificate fingerprints and URL hashes to ensure data integrity and uniqueness. The system also evaluates HTTPS usage, domain and certificate consistency, certificate validity period, and RSA public key strength. All validation results are processed using a URL scoring system to generate a security score ranging from 0 to 100, which classifies links into safe, suspicious, or dangerous categories. Experimental results demonstrate that the proposed website is capable of effectively identifying phishing indicators and providing transparent cryptographic evidence in real time. This approach can assist users in making informed decisions and improving protection against phishing threats in web environments.

Zubair, Ahmad; Zubair, Ahmad; Sunarka, Puji Setya; Aulia Indriawati

Digital Business Intelligence Journal 2026 Fakultas Ekonomika dan Bisnis Universitas 17 Agustus 1945 Semarang

The rapid growth of e-commerce has intensified competition among digital businesses, making pricing and discount strategies critical in influencing consumer purchase decisions. This study aims to examine the effect of original product price and price after discount on consumer purchase decisions on e-commerce platforms. A quantitative causal research design was employed using secondary data derived from publicly available e-commerce transaction records. Data analysis was conducted through descriptive statistics, correlation analysis, and multiple linear regression to assess the partial and simultaneous effects of pricing variables on purchase decisions, which were measured using a price-based purchase decision index. The findings indicate that both original price and discounted price have a significant negative effect on consumer purchase decisions. This suggests that lower displayed and final prices increase consumers’ likelihood of making a purchase. Furthermore, the discounted price was found to exert a more dominant influence than the original price, highlighting the importance of perceived value in online purchasing behavior. This study contributes to the digital marketing literature by providing empirical evidence on pricing effects in e-commerce and offers practical insights for e-commerce platforms in designing effective and data-driven pricing and discount strategies.