Journal MISSY (Management and Business Strategy)

Pengaruh Literasi Keuangan, Pembelajaran Keuangan, Media Sosial, Penggunaan E-Wallet dan Gaya Hidup Terhadap Perilaku Keuangan Generasi Z di Kabupaten Jepara

Wulan Nor Indah Sari — 2026-06-22

Penelitian ini dilakukan untuk menguji pengaruh literasi keuangan, pembelajaran keuangan, media sosial, penggunaan e-wallet, serta gaya hidup terhadap perilaku keuangan Generasi Z di Kabupaten Jepara. Data yang digunakan dalam penelitian ini merupakan data primer yang dikumpulkan melalui penyebaran kuesioner kepada 426 responden yang memenuhi kriteria sebagai Generasi Z. Penentuan sampel dilakukan dengan menggunakan teknik purposive sampling berdasarkan karakteristik tertentu yang telah ditetapkan. Analisis data dalam penelitian ini menggunakan metode regresi linier berganda. Hasil penelitian menunjukkan bahwa literasi keuangan, pembelajaran keuangan, dan penggunaan e-wallet memiliki pengaruh positif terhadap perilaku keuangan Generasi Z. Sedangkan, media sosial berpengaruh negatif terhadap perilaku keuangan dan gaya hidup tidak berpengaruh terhadap perilaku keuangan.

PENGARUH RATING DAN REVIEW TERHADAP KEPUASAN PEMBELIAN ONLINE PADA E-COMMERCE SHOPEE DI KALANGAN SISWA SMA

Salwa Putri Yusmanta — 2026-06-22

The development of digital technology has driven an increase in online shopping activities through e-commerce, including the use of the Shopee application among high school students. In making transactions, consumers generally utilize rating and review features as considerations before purchasing a product. This study aims to analyze the impact of ratings and reviews on online purchasing satisfaction among grade XII students of SMAN 1 Sukodadi. Using an associative quantitative method, this study analyzed data from 50 respondents who responded to 20 statement items. The data analysis process was carried out using the IBM SPSS Statistics 25 application. Based on the test results, all instrument items were declared valid because they had a significance value of 0.000, which was below the threshold of 0.05. In addition, the reliability test produced a Cronbach's Alpha coefficient of 0.771, thus the instrument was proven reliable for use. The t-test showed that ratings had a significant effect on purchasing satisfaction with a significance value of 0.001 and reviews of 0.004. In addition, the F-test obtained a significance value of 0.000 with a coefficient of determination (R²) of 0.701.

ANALYSIS OF COMPANY PERFORMANCE MEASUREMENT USING THE BALANCE SCORECARD METHOD AT PDAM SUMENEP DISTRICT

Melly Husaima — 2026-06-22

Rapid changes in the business environment mean that companies need Balanced Scorecard performance measurement, which covers all aspects. The aim of this research is to describe the performance of PDAM Sumenep using the Balance Scorecard. Type of quantitative descriptive research. The data used are financial reports, employee data, and customer data for PDAM Sumenep Regency for 2021-2023. Based on data management, the results of this study indicate the performance of four perspectives. From a financial perspective, performance declined, as seen from the NPM, ROA, and ROE values, due to a decrease in investment depreciation costs of IDR 5.4 billion. From a customer perspective, the MBR program successfully added customers, but satisfaction could be affected if service capacity is not increased. From an internal business process perspective, operational efficiency is maintained, but service expansion risks burdening the system without improving human resources and infrastructure. From a growth & learning perspective, employee retention is good, but productivity decreases due to an unbalanced workload.

THE EFFECT OF BRAND AMBASSADORS AND ONLINE CUSTOMER REVIEWS (OCR) ON ONLINE PURCHASE DECISIONS FOR MS GLOW PRODUCTS, WITH TRUST AS A MEDIATING VARIABLE

Maisaturrifi . — 2026-06-22

ABSTRACT. This study aims to examine the effect of brand ambassadors and online customer reviews (OCR) on online purchasing decisions for MS Glow products with trust as a mediating variable. The method used is quantitative with sampling techniques using purposive sampling and obtained 119 respondents. The data were collected through questionnaires and analyzed using Structural Equation Modeling (SEM) techniques with the help of SmartPLS 3 software. The results showed that brand ambassadors had no significant effect on purchasing decisions, online customer reviews (OCR) had a significant effect on purchasing decisions, and trust had a significant effect on purchasing decisions. Brand ambassadors and online customer reviews (OCR) have a positive and significant effect on trust. Also, trust is also able to mediate the influence of brand ambassadors and Online Customer Review (OCR) on online purchasing decisions on MS Glow products.

Keywors: Brand Ambassador; Online Customer Review (OCR); Trust; Purchase Decision; MS Glow.

PENGARUH MANAJEMEN WAKTU DAN INTENSITAS KEGIATAN EKSTRAKURIKULER TERHADAP HASIL BELAJAR SISWA SMA

Dwi Cahyati — 2026-06-22

Several factors affect student learning outcomes, such as the capacity to manage time and the level of involvement in extracurricular activities. Knowing the influence of time management (X1) and the intensity of extracurricular activities (X2) on student learning outcomes (Y) is the purpose of this study. Types of associative research are explored in this study, which uses a quantitative approach. The research sample consisted of 50 students with 20 statement items analyzed using IBM SPSS Statistics 25. The results of the validity test showed a calculated r-value of 0.652–0.815 with a significance of 0.000 < 0.05, while the reliability test obtained a Cronbach's Alpha value of 0.763 > 0.70. Classical assumption test, the data showed a normal distribution, there was no multicollinearity or heteroscedasticity. The t-test results indicated that time management had a significant effect on learning outcomes with a t count of 2.974 (sig. 0.005) and extracurricular activities with a t count of 3.022 (sig. 0.004). The F test obtained a score of 106.951 with a 0.000 significance level and a coefficient of determination (R²) of 0.819.

PENGARUH GAYA KEPEMIMPINAN TRANSFORMASIONAL KEPALA SEKOLAH TERHADAP KINERJA GURU DAN KARYAWAN DI SMK ISLAM ANDALUS JAKARTA SELATAN

Diva Kanya Putri — 2026-06-22

This study investigates the effect of the principal’s transformational leadership style on teacher performance at SMK Islam Andalus, South Jakarta. The study was conducted to address the issue of how leadership influences teachers’ work performance in achieving educational goals. The research aimed to determine the magnitude of the influence of transformational leadership on teacher performance. A quantitative approach was employed using a total sampling technique, involving all 30 teachers and staff as respondents. Data were analyzed using regression and hypothesis testing. The results showed a positive and significant effect of transformational leadership on teacher performance, with the regression equation Y = 8.384 + 0.718X and a t-value of 6.863, exceeding the critical value of 1.697. The coefficient of determination indicated that transformational leadership contributed 79.6% to teacher performance, while the remaining 20.4% was influenced by other factors. These findings suggest that effective transformational leadership plays a crucial role in improving teacher performance.

ASSESING Assessing The Health Level Of PT Bank Rakyat Indonesia (Persero) Tbk In 2019-2023 Using A Comparison Of The CAMEL Method And RGEC Method

Nova Kamelia — 2026-06-22

Bank health is the ability of a bank to fulfill activities and obligations that must be carried out by banks based on applicable regulations. This study aims to determine the health level of PT Bank Rakyat Indonesia (Persero) Tbk 2019-2023 using the CAMEL Method and the RGEC Method and their comparison. The CAMEL method uses assessment aspects such as Capital, Asset Quality, Management, Earnings, and Liquidity; while the RGEC method uses research aspects such as Risk Profile, Good Corporate Governance (GCG), Earnings and Capital. This research was conducted with quantitative research methods using a descriptive approach. The sampling technique uses saturated sampling. The data analysis technique used in this research is CAMEL and RGEC methods. The results showed that (1) the level of health using the CAMEL method in the Capital aspect is “Very Healthy”, the Asset Quality aspect is “Healthy”, the Management aspect is “Healthy”, the Earnings aspect is “Healthy” but the BOPO ratio for 5 years is in an “Unhealthy” condition, the Liquidity aspect is “healthy” (2) the level of health using the RGEC method in the Risk Profile aspect is “Healthy”, Good Corporate Governance aspect “Healthy”, earnings aspect “Very Healthy”, Capital aspect “Very Healthy” (3) the CAMEL method of analysis focuses on operational efficiency and the quality of management which shows improvement while the RGEC method of analysis is more thorough on governance and risk profile.

Keywords: CAMEL Method; RGEC Method; Banking Health Level

PENGARUH SOCIAL MEDIA MARKETING DAN KUALITAS PELAYANAN TERHADAP MINAT BELI ULANG MELALUI KEPUASAN PELANGGAN SEBAGAI VARIABEL INTERVENING (Studi Kasus Pada Resto Cimaci Grill Sumenep)

Sri Suciawati Rohma — 2026-06-22

Marketing strategy is very important for various business sectors. This marketing strategy greatly influences the development and sustainability of a business. There needs to be an understanding of how effective marketing strategies are needed by companies to provide the needs and desires desired by customers.This study was conducted to test the effect of Social Media Marketing and Service Quality on Repurchase Intention through Customer Satisfaction as an intervening variable. The population in this study were consumers who had visited, purchased, and consumed food products at Resto Cimaci Grill Sumenep whose number was unknown. The sample used in this study was 100 respondents. The data analysis method used was Smart PLS with the PLS-SEM method. The results of the study indicate that: Social Media Marketing does not have a positive and significant effect on repurchase interest at Cimaci Grill Sumenep restaurant, Service Quality has a positive and significant effect on repurchase interest at Cimaci Grill Sumenep restaurant, Customer Satisfaction has a positive and significant effect on repurchase interest at Cimaci Grill Sumenep restaurant, Social Media Marketing has a positive and significant effect on customer satisfaction at Cimaci Grill Sumenep restaurant, Service Quality has a positive and significant effect on customer satisfaction at Cimaci Grill Sumenep restaurant, Social Media Marketing mediated by customer satisfaction does not have a positive and significant effect on repurchase interest at Cimaci Grill Sumenep restaurant, and Service Quality mediated by customer satisfaction has a positive and significant effect on repurchase intention at Cimaci Grill Sumenep restaurant.

PENGARUH KOMPETENSI GURU DAN KEPEMIMPINAN KEPALA SEKOLAH TERHADAP PRESTASI BELAJAR SISWA DI SMP SIRATUL ISLAM DESA PORDAPOR KECAMATAN GULUK-GULUK

Moh. Labib Anis — 2026-06-22

Education is a form of long-term investment that plays a vital role in developing the quality of human resources and the sustainability of world civilization. The purpose of this study is to analyze the extent to which teacher competence and the principal's leadership style influence student achievement. In this study, teacher competence and principal leadership function as independent variables, while the dependent variable is student achievement. The subjects of this study were 54 students, all of whom came from Siratul Islam Junior High School. Data analysis was conducted using a multiple linear regression approach, which began with a validity test of the measurement instrument, then continued with testing classical assumptions such as normality, multicollinearity, heteroscedasticity, and linearity. For hypothesis testing, statistical tests were used individually (t-test) and together (F-test). The results of the analysis indicate that teacher competence significantly contributes positively to student achievement, indicated by a significance value of 0.000, which is far below the threshold of 0.05. In addition, principal leadership was also proven to have a significant positive influence on student learning outcomes, with a significance value of 0.038.

PENGARUH WORD OF MOUTH DAN PRODUCT KNOWLEDGE TERHADAP KEPUTUSAN PEMBELIAN SEPEDA LISTRIK U-WINFLY DI SUMENEP SERTA PERAN CITRA MEREK SEBAGAI VARIABEL MEDIASI

Siti Nor Jannah — 2026-06-22

Transportation technology continues to change, now a practical and energy-efficient form of transportation has emerged, namely electric bicycles. A person's decision to purchase an electric bicycle is not only based on personal needs and desires, but is also influenced by social and psychological factors such as word of mouth, in addition to a positive brand image and how much consumer knowledge about the product they want to buy can also influence consumer purchasing decisions. This study aims to determine the impact of word of mouth and product knowledge on purchasing decisions and brand image as a mediating variable. The research methodology uses quantitative techniques. The population in this study are customers who have purchased and used U-Winfly electric bicycles in Sumenep. The sample used was 105 individuals. Data were analyzed using Smart PLS. The research results show that word of mouth has a positive and significant impact on purchasing decisions, product knowledge does not have a significant influence on purchasing decisions, word of mouth and product knowledge have a positive and relevant influence on brand image. And brand image can mediate the influence of word of mouth and product knowledge on purchasing decisions for U-Winfly electric bicycles in Sumenep.

PENGARUH KUALITAS PRODUK, HARGA, DAN MEDIA SOSIAL TERHADAP KEPUTUSAN PEMBELIAN STICK (KARICA) RAJUNGAN UD DIANA DESA KERTASADA KECAMATAN KALIANGET KABUPATEN SUMENEP

Tegar Dwi Yanto — 2026-06-23

This study examines the influence of product quality, pricing, and social media on the purchase decisions of Karica crab stick products at UD Diana, located in Kertasada Village, Kalianget District, Sumenep Regency. The purpose of this research is to determine the extent to which product quality, price, and social media individually and simultaneously affect consumer purchasing decisions. This research uses a quantitative approach by distributing questionnaires to 105 respondents who are regular consumers of UD Diana. The sampling technique used is non probability sampling, with respondents required to be at least 17 years old and have purchased the product at least three times. Data were analyzed using multiple linear regression with IBM SPSS Statistics 25 software. The partial test (t-test) results show that: 1) product quality has a significant influence on purchase decisions, 2) price has a significant negative influence, and 3) social media also significantly affects consumer decisions. Meanwhile, the simultaneous test (F-test) confirms that these three variables collectively have a significant impact. The coefficient of determination indicates that 18.3% of the variation in purchasing decisions can be explained by the independent variables in this study.