Jurnal Simki Economic

Perilaku Keuangan Generasi Z Berdasarkan Literasi Keuangan, Efikasi Diri, dan Gender

Efiatul Himmah — 2025-06-06

A widely discussed topic today is financial behavior, especially the tendency for someone to think short-term and make impulsive purchases. This often causes financial problems, even for someone with adequate income, due to being less responsible in managing their finances. This study was conducted to evaluate the effect of financial literacy, self-efficacy, and gender differences on individual financial behavior in the Generation Z group, especially students of Jember City Colleges. This study uses a quantitative method with data collection techniques through questionnaires. The number of samples used was 398 respondents, selected using a purposive sampling technique. To analyze the relationship between the variables in this study, a multiple linear regression technique was used. The results of the multiple linear regression analysis showed that the three variables had a positive and significant effect on financial behavior. Financial literacy has a positive effect of 1.022, self-efficacy of 0.109, gender of 0.199 with a sig value of all variables of 0.00 or <0.05. The results of the analysis show that financial literacy, self-efficacy, and gender contribute to the financial behavior of students of Colleges in Jember City.

Pengaruh Aksesibilitas, Pengalaman Wisata dan Kepuasan Wisatawan terhadap Keputusan Berkunjung Kembali di Wisata Gunung Rante Banyuwangi

M. Subhan Imam Maulana — 2025-06-06

This study aims to examine how accessibility, tourism experience, and tourist satisfaction influence the decision to revisit Gunung Rante Tourism, Banyuwangi. The increasing number of tourists visiting this destination shows the need to understand the factors that play a role in building visitor loyalty. This study uses a quantitative approach with a survey method on tourists who have visited Gunung Rante. Data were collected through questionnaires and analyzed using multiple linear regression to determine the effect of independent variables on the decision to revisit. The sampling technique used was purposive sampling. Based on the Lemeshow formula, the minimum number of samples needed in this study was 96 respondents. The results showed that accessibility plays a significant role in tourists' decisions to return. Adequate infrastructure, such as good roads, easy transportation, and clear signs, contribute to travel comfort. Based on the test, accessibility (X₁) has a significant effect. Tourism experience (X₂) also has a significant effect. Tourist satisfaction (X₃) shows a positive impact. Thus, the better the accessibility, tourism experience, and satisfaction obtained, the higher the likelihood of tourists to revisit Gunung Rante.

Pengaruh Parental Income, Financial Literacy dan Locus of Control terhadap Financial Behavior Management Mahasiswa di Kota Jember

Avinta Melinda Putri — 2025-06-06

Maintaining wise financial patterns among excessive spending habits can support financial health. Financial health is very important so that basic needs can be met properly through proper budget management. Understanding financial management is considered very important lately for individuals in managing income, monitoring expenses, investing, and planning finances for the future so that it affects their financial and social well-being. This study aims to gain an understanding of the influence of parental income, financial literacy, and locus of control on the management of financial behavior of students in Jember City. Data testing uses multiple linear regression. The sample taken consists of 180 students in Jember City. The sample was taken using probability sampling through the stratified random sampling method. The results of the study found that parental income, financial literacy, and locus of control positively and significantly affect financial management behavior, both individually and together.

Pengaruh Motivasi, Kreativitas, Inovasi dan, Digital Marketing terhadap Keberlanjutan Usaha pada Kafe Shop di Kecamatan Sumbersari Kabupaten Jember

Ilham Dwi Prasetya — 2025-06-06

This study began with the phenomenon of many businesses, including cafes, that could not survive long in the midst of fierce business competition. Due to a number of difficult challenges, many business owners decided to stop their businesses. Several factors that are suspected to be the main causes of this problem are lack of innovation, low creativity in product development, and less than optimal digital marketing. This study aims to analyze the impact of motivation, creativity, innovation, and digital marketing on the sustainability of cafe businesses in Sumbersari District, Jember Regency. The methodology applied in this study is quantitative, where data is collected through questionnaires and data analysis is carried out using multiple linear regression. The number of samples used is 125 respondents with the probability sampling method. The findings of the study indicate that motivation, creativity, innovation, and digital marketing have a significant influence on the sustainability of cafe businesses in Sumbersari District, Jember Regency.

Peran Komunikasi Pemasaran dalam Membangun Brand Image guna Mempengaruhi Keputusan Pembelian Konsumen di Brighton Real Estate Indonesia Cabang Surabaya

Efrizar Sunni — 2025-06-08

This study examines the strategies implemented by Brighton Real Estate Indonesia in forming the company's brand image. This study applies a qualitative descriptive method to describe facts and data related to marketing communication strategies, which are analyzed based on the theory of marketing mix, persuasive communication, and integrated marketing communication. Data were obtained from interviews, direct observation, and document collection. The main informants were agents, property owners and buyers. Meanwhile, the data validity test was carried out through triangulation. Based on the results of the study, the marketing strategy implemented by Brighton Real Estate Indonesia has integrated most of the elements in the marketing mix. The company's focus is seen in providing quality products, competitive price offers, aggressive promotions, strategic location selection, and communication approaches in the form of advertising and direct education to potential consumers. This study also found that the marketing communication approach used by Brighton also had an impact on increasing the company's brand image, so it can be concluded that Brighton Real Estate Indonesia has implemented an effective marketing communication strategy that has an impact on the company's brand image so that this influences consumer decisions to make buying and selling transactions at Brighton Real Estate Indonesia.

Pengaruh Fintech Payment, Lifestyle, dan Lingkungan Kampus terhadap Manajemen Keuangan Pribadi Mahasiswa Universitas Muhammadiyah Jember

Shafa Tamtowi Putri — 2025-06-08

Personal financial management is a systematic and structured approach to managing various aspects of personal finance. For students, personal financial management includes monitoring income and expenses related to basic needs, including education costs, transportation, food, and other basic needs. Using variables such as fintech payments, lifestyle, and the overall educational environment, this study will examine personal financial management at the University of Muhammadiyah Jember. Overall, 380 people were part of this quantitative study. To analyze the data, SPSS 28 was used along with multiple linear regression. The results of this study indicate that fintech payments, lifestyle and school environment each have a good and significant influence on the personal financial management of students at the University of Muhammadiyah Jember.

Dampak Shopee Live, Online Customer Review, dan Video Content Marketing terhadap Keputusan Pembelian pada Aneka Jersey

Risma Nur Ariyana Putri — 2025-06-08

The rapid development of technology in the current digital era has affected many areas of life. The rise of online markets has changed the way consumers shop, shifting from traditional face-to-face transactions to online purchases. This study aims to investigate and examine how Shopee Live, online customer feedback, and video content marketing influence consumer purchasing choices related to products offered by Aneka Jersey. With a sample of 170 participants, this study uses an associative quantitative method. Data collection was mostly done through questionnaires, the sampling technique was non-probability sampling with a purposeful sampling approach. In data analysis, this study used various stages, including instrument testing, classical assumption testing, conducting multiple linear regression analysis, conducting hypothesis testing, and calculating the coefficient of determination. The research findings show that Shopee Live, online customer reviews, and video content marketing positively and significantly influence purchasing choices related to Aneka Jersey products. The coefficient of determination (R²) shows that there is a contribution of 32.1% to the variables related to purchasing decisions.

Analisis Financial Performance melalui Penilaian Efisiensi dan Stabilitas Keuangan PT. Wilmar Cahaya Indonesia pada Tahun 2019 - 2024

Ida Rif’atul Laily — 2025-06-09

The purpose of this study is to analyze the financial performance of PT. Wilmar Cahaya Indonesia during the period 2019 to 2024 with a focus on assessing efficiency and financial stability. Efficiency and financial stability are measured based on financial ratio analysis including profitability ratio (Return on Asset/ROA) and activity ratio (Total Asset Turnover/TATO) to assess efficiency, while financial stability is assessed through the solvency ratio (Debt to Equity Ratio/DER) and liquidity ratio (Current Ratio). This study uses secondary data in the form of financial reports from companies listed on the Indonesia Stock Exchange (IDX) and is analyzed quantitatively descriptively to obtain a comprehensive picture of the company's financial condition for six years. The results of the study show that asset utilization efficiency (ROA) fluctuated, decreased but then recovered in 2024. An increase in TATO indicates an improvement in efficiency in generating income from company assets. The company's capital structure is relatively stable with a low DER. The liquidity ratio (Current Ratio) shows a good ability to meet short-term obligations, despite a significant spike in 2022. This study concludes that the financial performance of PT. Wilmar Cahaya Indonesia shows a diverse trend during the study period, so special attention is needed to optimally manage assets and debts and sustainability to improve business performance and sustainability.

Brand Image Memediasi Celebrity Endorse dan Sosial Media Marketing terhadap Keputusan Pembelian Produk UMKM

Rina Irawati — 2025-06-11

Digital marketing have a very important role in marketing a business, especially for MSME businesses. Social media offers great opportunities for MSMEs to grow and develop amidst fierce competition. Pisang Goreng Ny Ani is a micro-scale food business, which is currently a popular snack in Malang which was established in 2024. The purpose of the study was to determine the direct and indirect influence of Celebrity Endorsement and Social Media Marketing on purchasing decisions for MSME products through Brand Image. The research sample was 100 consumers of Pisang Goreng Ny Ani using the Hair et al formula and the Accidental Sampling technique. Data were obtained through questionnaires, then analyzed using descriptive statistics, multiple regression and path analysis. The results showed that celebrity endorsement and social media marketing had a strong influence on purchasing decisions where the significance was 0.009 and 0.015 respectively. Celebrity endorsement and social media marketing have an influence on brand image with a significance of 0.000 and 0.003. Brand image mediates the variables celebrity endorsement and social media marketing on purchasing decisions. The largest indirect influence is brand image mediating social media marketing on purchasing decisions with the largest beta value, namely 0.194

Manajemen Komunikasi Pemasaran antara Lembaga Zakat (Amil) kepada Penerima Zakat (Mustahik)

Habib Ismail — 2025-06-13

Indonesia has great potential in collecting zakat as a country with the largest Muslim population. However, its distribution is still predominantly consumptive and has not been optimal in improving the welfare of mustahik. This study aims to determine the marketing communication management carried out by the Indonesian Zakat Initiative (IZI) Yogyakarta in the "Lapak Berkah" program in collaboration with the Baitul Maal Foundation (YBM) PLN UP3 Yogyakarta. This program distributes productive zakat in the form of business capital assistance to mustahik. This study uses a descriptive method with a qualitative approach. Data analysis techniques are carried out through observation, interviews, and documentation to evaluate the effectiveness of the communication strategy implemented. The results of the study indicate that the marketing communication management implemented by IZI is effective in delivering the program to mustahik. Success factors include intensive communication, ongoing mentoring, and transparency in the selection process. This program not only provides financial assistance, but also equips mustahik with business skills, so that they can improve their standard of living. Overall, this program contributes to the transformation of mustahik into muzakki in the future through a sustainable productive zakat approach.

Pengaruh Self Efficacy, Budaya Organisasi, dan Soft Skill terhadap Kinerja Karyawan pada Bank BRI Kanca Bengkulu

Yudisky Yudisky — 2025-06-16

The purpose of this study is to identify the influence of organizational culture, soft skills, and self-efficacy on the performance of employees of Bank BRI Bengkulu Branch Office partially and simultaneously. The research method used is quantitative (explanatory research), namely research that highlights the relationship between variables and tests hypotheses that have been formulated external conflict. The population in this study were all employees of Bank BRI Kanca Bengkulu totaling 80 employees and using saturated sampling techniques. The application of multiple linear regression methods is used because the variables used are more than one that has one dependent variable. This analysis is to determine whether there is an influence of the independent variable on the dependent variable. The results of the study that the significance value <0.05 and t count is greater than t table (2.648 is greater than 1.990), the results of the regression analysis indicate that Self Efficacy (X1) has a significant effect on performance (Y). With a sig value <0.001 and t count is greater than t table (6.206 is greater than 1.990), soft skills (X3) have a significant impact on employee performance. Thus, Fcount 156.031 is greater than Ftable 2.73. Therefore, the performance of Bank BRI Kanca Bengkulu employees is influenced by soft skills, self-efficacy, and organizational culture.

Pengaruh Pertumbuhan Perusahaan dan Likuiditas terhadap Kebijakan Dividen pada Perusahaan yang Terdaftar dalam Indeks High Dividend 20

Mutiara Dewi — 2025-06-20

The purpose of this study is to examine how dividend policy for businesses listed on the Indonesia Stock Exchange High Dividend Index 20 is affected by company growth and liquidity between 2018 and 2023. This study uses the dividend payout ratio to measure dividend policy, asset growth to measure company growth, and current ratio to analyze liquidity. This study uses a quantitative methodology with panel data regression. The sample includes 192 research data points from 32 purposefully selected organizations. The findings indicate that companies with rapid growth prefer to retain earnings to finance expansion, and this has a negative and significant impact on dividend policy. However, liquidity has a beneficial and significant impact on dividend policy, indicating that businesses with high levels of liquidity are more prepared to pay dividends regularly. The findings of the study indicate that dividend policy is significantly affected by company growth and liquidity.

Analisis Service Quality dan Penggunaan BRI Mobile terhadap Loyalitas Nasabah di BRI Kantor Cabang Blitar

Setyoadi Pambudi — 2025-06-20

This research process aims to determine how strong the influence of service quality on customer loyalty of Bank BRI KC Blitar. The impact of using BRI Mobile on customer loyalty at BRI KC Blitar. How strong is the influence of service quality and the use of mobile banking on customer loyalty of BRI KC Blitar. The research approach uses quantitative research, for data analysis cross-sectional data and multiple linear regression analysis models are used to calculate the results of the questionnaire using a Likert scale. Based on the results of data analysis conducted by the researcher, it can be concluded that service quality has a positive and significant effect on customer loyalty. When viewed from the value of the importance of the service quality variable, the t table is 0.000 <0.05, namely 3.684> 1.65, then Ho is rejected and H1 is accepted. The use of mobile banking has a positive and significant effect on customer loyalty. It can be measured by the significance value of the satisfaction variable of 0.009 t table or 2.640 (1%) <1.65. H0 is rejected and H2 is accepted. Service quality and the use of BRI Mobile have a positive and significant effect simultaneously on customer loyalty. Judging from the significance value of 0.000 <0.05 and obtained the calculated F value> F table which is 13.210> 3.05. This indicates that H0 is rejected and H3 is accepted.

Pengaruh Maskulinitas terhadap Minat Beli Skincare di Kalangan Pria Gen Z

Ryan Fazriansyah — 2025-06-23

This study aims to analyze the influence of Skin Health Concerns, Masculinity, Perception Regarding Skincare, Social Media Use, and Self-Image Concerns on Men's Skincare Purchase Intention in Gen Z Men in Jabodetabek. This study uses a quantitative approach with an online survey method through a questionnaire. The population is Generation Z men aged between 15-28 years in the Jabodetabek area and samples were collected from 174 respondents who have experience using skincare or not. The data analysis technique uses Covariance Based Structural Equation Modeling (CB-SEM) with the help of AMOS software. The results showed that Social Media Use has a positive effect on Self-Image Concerns, and Self-Image Concerns has a positive effect on Men's Skincare Purchase Intention. However, the variables Skin Health Concerns, Masculinity, and Perception Regarding Skincare have no effect on Men's Skincare Purchase Intention. Self-image formation through social media is the main factor that drives Gen Z men to buy skincare products. This finding contributes to the development of consumer behavior science, especially in the context of gender and self-care, and becomes the basis for skincare cosmetic companies to design marketing strategies that are more relevant and adaptive to modern male consumer trends.