Jurnal Ekonomi dan Bisnis

Pengaruh Literasi Keuangan, Gender, dan Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Program Studi Pendidikan Ekonomi Universitas Jember Angkatan 2024

2026-01-09T04:55:24+00:00

Penelitian ini bertujuan untuk menganalisis pengaruh literasi
keuangan, gender, dan gaya hidup terhadap perilaku pengelolaan keuangan
mahasiswa Program Studi Pendidikan Ekonomi Universitas Jember
Angkatan 2024. Penelitian menggunakan pendekatan kuantitatif dengan
penyebaran kuesioner kepada responden yang dipilih secara acak. Data
dianalisis menggunakan regresi linier berganda dengan bantuan IBM SPSS
Statistics 27. Hasil penelitian menunjukkan bahwa literasi keuangan dan gender berpengaruh signifikan terhadap perilaku pengelolaan keuangan.
Sementara itu, gaya hidup tidak berpengaruh signifikan terhadap perilaku
pengelolaan keuangan mahasiswa. Secara simultan, ketiga variabel
independen berpengaruh secara signifikan terhadap perilaku pengelolaan
keuangan. Nilai Adjusted R² sebesar 0,564 mengindikasikan bahwa 56,4%
variasi perilaku pengelolaan keuangan dapat dijelaskan oleh literasi
keuangan, gender, dan gaya hidup. Temuan ini mengimplikasikan
pentingnya peningkatan literasi keuangan mahasiswa untuk mendukung
kemampuan pengelolaan keuangan yang lebih bertanggung jawab.

Volatilitas Harga Emas sebagai Safe Haven dan Hedge di Indonesia: Model GARCH

2026-01-09T07:44:51+00:00

This study examines the risk characteristics and price volatility of gold in Indonesia over the 2015–2024 period. The analysis applies the GARCH (1,1) model to assess the magnitude of price fluctuations and the market’s ability to respond to changing economic conditions. Based on 2,563 daily observations, the annual volatility of the domestic gold market is estimated at around 21.11%. This figure reflects active but still reasonable price movements. Another important finding is the market’s fast recovery, where about half of the impact from economic shocks typically fades within approximately 1.5 days. This indicates that risk in the gold market tends to be short-lived. The study also highlights the shifting role of gold under different market conditions. During periods of severe stress, such as the 2020 pandemic, both gold prices and volatility increased sharply, confirming its function as a short-term safe haven. In more stable periods, volatility declines quickly and prices follow a gradual upward trend, reinforcing gold’s role as a long-term hedging instrument. Overall, these findings suggest that gold is not only a safe asset but also a resilient and adaptive market for investors in Indonesia.

Financial Literacy, Financial Behavior (FoMO), and Influencers Determinants of Investment Decision Members of the Investment Gallery Forum of the Capital Market Study Group in Semarang City

2026-01-09T03:32:29+00:00

This study aims to analyze the influence of financial literacy, financial behavior (Fear of Missing Out/FoMO), and influencers on investment decision-making among members of the Investment Gallery – Capital Market Study Group in Semarang City. The research employed a quantitative approach using purposive sampling, involving 155 respondents consisting of members, administrators, and interns of investment galleries who already possess a Single Investor Identification (SID). Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS 25. The results reveal that all three independent variables—financial literacy, financial behavior (FoMO), and social media influencers—have a positive and significant effect on investment decisions. Among these variables, financial literacy has the most dominant influence with a coefficient value of 0.706, followed by financial behavior (FoMO) with 0.194, and influencers with 0.134. Collectively, these variables explain 48.1% of the variation in investment decision-making. The findings indicate that a strong understanding of financial concepts, psychological motivation to avoid missing out, and digital social influence from credible influencers are key factors shaping rational investment decisions among young investors.

Analisis Content Creator, Social Media Engagement, Customer Trust Terhadap Loyalitas Pelanggan Daviena Skincare di Jawa Tengah

2026-01-15T02:43:07+00:00

This research is driven by the intense competition within the beauty industry and the emergence of negative issues regarding alleged "overclaiming" practices by Daviena Skincare products. The primary focus of this study is to analyze how customer loyalty is formed and maintained despite issues that potentially undermine consumer confidence. This study employs a quantitative research method with a positivism approach, utilizing multiple linear regression analysis via SPSS 25. The research population consists of Daviena Skincare consumers residing in Central Java. Samples were selected using a purposive sampling technique, specifically targeting consumers who have used the products more than twice. Based on the Hair formula, a total of 110 respondents were obtained.

The objective of this research is to identify and analyze the influence of content creators, social media engagement, and customer trust on Daviena Skincare’s customer loyalty in Central Java, particularly in the aftermath of the overclaim issue. Data were collected through questionnaires using a Likert Scale, followed by data quality testing (validity and reliability), classical assumption tests, and multiple linear regression modeling.

The findings indicate that the content creator variable is in the "very high" category (4.24), while social media engagement (3.86) and customer trust (3.93) are in the "high" category. Overall, these three factors play a crucial role in shaping Daviena Skincare's customer loyalty, which remains in the "very high" category (4.23). Despite the overclaim controversy, the practical implications of this research suggest that brands in the beauty industry must remain transparent, responsive, and maintain positive communication with consumers to sustain loyalty even when facing negative issues.

Penelitian ini dilatarbelakangi oleh persaingan ketat di indstri kecantikan dan adanya isu negative berupa dugaan praktik overclaim pada produk Daviena Skincare. Fokus utama penelitian adalah menganalisis bagaimana loyalitas pelanggan tetap terbentuk dan terjaga meskipun terdapat isu yang berpotensi mempengaruhi kepercayaan konsumen. Metode Penelitian kuantitatif dengan pendekatan positivisme, menggunakan Analisis data regresi linier berganda melalui alat bantu SPSS 25. Populasi penelitian merupakan konsumen Daviena Skincare yang bertempat tinggal di Jawa Tengah dan mengambil sampel menggunakan teknik purposive sampling dengan kriteria yang telah menggunakan produk lebih dari 2 kali.berdasarkan rumus Hair, diperoleh jumlah responden sebanyak 110 orang. Tujuan riset ini untuk mengetahui dan menganalisis pengaruh content creator,social media engagement, dan customer trust terhadap loyalitas pelanggan Daviena Skincare di Jawa Tengah, Khususnya pasca dampak isu Overclaim. Data dikumpulkan melalui penyebaran kuesioner dengan Skala Likertmeliputi uji kualitas data (validitas dan reliabilitas), uji asumsi klasik, serta uji model regresi linier berganda. Temuan menunjukkan bahwa variable content creator berada pada kategori sangan tinggi (4,24), sementara social media engagement (3,86) dan customer trust (3,93) berada pada kategori tinggi. Secara keseluruhan, ketiga faktor tersebut berperan penting dalam membentuk loyalitas pelanggan Daviena Skincare yang tetap berada pada kategori sangat tinggi (4,23) meskipun ditengah isu overclaim.

Strategi Advokasi Kebijakan Berbasis Penelitian Ekonomi Islam dalam Mendorong Penguatan Regulasi

2026-01-09T03:47:28+00:00

This study examines research-based policy advocacy strategies in Islamic economics to strengthen regulations and institutional frameworks oriented toward justice and public welfare. Using a qualitative library research approach, this study analyzes academic literature and policy documents published between 2020 and 2025 through content analysis. The findings show that research-based advocacy plays a crucial role in linking academic knowledge with Islamic economic policymaking. Academics contribute significantly to policy innovation, while the integration of Islamic ethical values supports institutional sustainability. Furthermore, collaboration through the triple helix model enhances participatory and welfare-oriented governance. These findings highlight the importance of integrating empirical research into Islamic economic regulation based on maqashid al-sharia.

Penelitian ini menganalisis strategi advokasi kebijakan berbasis penelitian ekonomi Islam dalam memperkuat regulasi dan kelembagaan yang berorientasi pada keadilan dan kemaslahatan. Metode penelitian menggunakan pendekatan kualitatif melalui studi kepustakaan terhadap literatur akademik dan dokumen kebijakan periode 2020–2025 dengan teknik analisis isi. Hasil penelitian menunjukkan bahwa advokasi kebijakan berbasis riset berperan efektif dalam menjembatani akademisi dan pembuat kebijakan, sementara kolaborasi model triple helix memperkuat tata kelola kelembagaan ekonomi syariah yang partisipatif dan berkelanjutan. Selain itu, internalisasi nilai etika Islam seperti amanah dan tanggung jawab sosial menjadi faktor penting dalam keberlanjutan lembaga ekonomi syariah. Temuan ini menegaskan pentingnya integrasi riset akademik dalam perumusan kebijakan untuk memperkuat regulasi ekonomi Islam berbasis maqashid syariah.

Pengaruh Ukuran Perusahaan, Pertumbuhan Penjualan dan Arus Kas Terhadap Struktur Modal Pada Perusahaan Properti di BEI

2026-01-13T02:15:50+00:00

The selection of an optimal capital structure is expected to minimize capital costs and maximize firm value. However, in practice, this decision is influenced by various internal company characteristics and dynamic external conditions. This study aims to examine the effect of company size, sales growth, and cash flow on capital structure. This study was conducted on property companies listed on the Indonesia Stock Exchange (IDX) in 2021, 2022, and 2023. Data analysis used SPSS with classical assumption testing, multiple regression analysis, t-tests and F-tests, and coefficients of determination. The results of this study indicate that company size has a positive and significant effect on capital structure, sales growth has a positive but insignificant effect, and cash flow has a negative but significant effect on capital structure. The managerial implications of this study are that property companies can utilize external funds by increasing their capital structure by using assets as collateral. In situations of limited operating cash flow, companies should increase external funding. This will increase opportunities for property company operational development..

Optimalisasi struktur modal diharapkan mampu menurunkan biaya modal, namun dalam implementasinya keputusan ini dipengaruhi oleh berbagai karakteristik internal perusahaan dan kondisi eksternal yang dinamis. Artikel ini bertujuan untuk meneliti pengaruh ukuran Perusahaan (x1), pertumbuhan penjualan (x2) dan arus kas (x3) terhadap struktur modal (Y). Penelitian ini dilakukan pada Perusahaan properti di BEI pada periode 2021, 2022, 2023. Analisis data menggunakan SPSS dengan pengujian asumsi klasik, analisis regresi berganda, uji t dan uji F, serta koefisien determinasi. Hasl penelitian ini menunjukkan ukuran perusahaan berpengaruh positif dan signifikan terhadap struktur modal, pertumbuhan penjualan berpengaruh positif dan tidak signifikan, arus kas berpengaruh negatif dan signifikan terhadap struktur modal. Implikasi manajerial dari hasil penelitian ini bahwa perusahaan properti dapat memanfaatkan dana eksternal melalui peningkatan struktur modal dengan menggunakan asset sebagai jaminannya. Dan dalam situasi kas operasi yang kecil sebaiknya perusahaan menaikkan pendanaan eksternal. Hal ini akan memperbesar kesempatan pengembangan operasional perusahaan properti.