Publication Search

73,099 articles from 684 journals · 2,111 citations tracked

Showing 121-140 of 1,337

Analytics

I Wayan Manik Mas Sri Dantya; I Wayan Sudiarsa; I Putu Kabinawa Raesa Putra; Brian Adi Sapurta; I Komang Hari Sastrawan

Repeater : Publikasi Teknik Informatika dan Jaringan 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

In the rapidly evolving digital economy, the ability to anticipate transaction surges is a strategic asset for marketplace platforms to maintain operational efficiency. This research aims to build an accurate daily transaction volume forecasting system thru the implementation of an Extract, Transform, and Load (ETL) pipeline and Autoregressive Integrated Moving Average (ARIMA) predictive modeling. The dataset used is sourced from dataset_olshop.csv, which includes transaction history for the entire year of 2025. The ETL stage focused on data cleaning and handling missing values, while time series analysis began with the Augmented Dickey-Fuller (ADF) stationarity test, which yielded a significant p-value of 0.000006. The parameter model was optimized using the auto_arima algorithm, which determined the ARIMA(2,0,0) configuration as the best model. The evaluation results of the model show fairly stable performance with a Root Mean Squared Error (RMSE) value of 2.002 and a Mean Absolute Error (MAE) of 1.704 on the test data. Research findings reveal a consistently higher purchasing pattern during the mid-month and end-of-month periods, with an average of 5.52 daily transactions, compared to the beginning of the month, which saw 5.48 transactions. The 30-day forecast results provide valuable insights for online store managers to proactively adjust inventory and logistics workforce allocation strategies. This research concludes that integrating data engineering techniques and statistical analysis can provide predictive solutions for the dynamics of the digital market.

Fransiskus Jetrison Renaldo Dura Fono; Andreas Rengga; Elisabet Luju

Jurnal Projemen UNIPA 2026 Universitas Nusa Nipa Maumere

The Old Age Security (JHT) program is a form of employment social protection that aims to ensure the continuity of workers’ welfare after they are no longer productive. The high volume of JHT claims, particularly for wage earners, requires an effective service process and system. This study aimed to analyze the effectiveness of the process and system for submitting JHT claims for wage earners at BPJS Ketenagakerjaan Sikka Maumere Branch, as well as to identify obstacles and improvement efforts undertaken. The research method used was descriptive qualitative, with data collection techniques through observation, documentation, and interviews during the internship period. The results of the study show that the JHT claim submission process has followed the applicable standard operating procedures (SOP), both through online services (Lapak Asik and the Jamsostek Mobile (JMO) application) and offline services. However, the effectiveness of the system still faces various obstacles, including discrepancies in participant data, limited digital literacy among participants, and technical constraints in the online system. Improvement efforts have been carried out through increased socialization, participant assistance, and optimization of digital systems. This study concludes that the effectiveness of the JHT claim process and system at BPJS Ketenagakerjaan Sikka Maumere Branch is fairly effective, but still requires continuous improvement to enhance service quality and participant satisfaction.

Fransiskus Xaverius Muko Sorowutun; Imanuel Wellem; Nunsio Handrian Meylano

Jurnal Projemen UNIPA 2026 Universitas Nusa Nipa Maumere

The rapid development of information technology has transformed the way financial institutions deliver services, including credit unions. To improve service quality and accessibility for its members, KSP Credit Union Bahtera Sejahtera introduced a digital platform through the ESCETE application, which enables members to conduct loan and payment transactions online. This study aims to analyze the needs and members’ interest in using the online loan and payment platform provided by the ESCETE application at KSP Credit Union Bahtera Sejahtera, Kewapante Service Office. The findings reveal that the ESCETE application significantly facilitates members in conducting financial transactions without visiting the service office. The platform also improves employees’ work efficiency and accelerates service delivery. Members demonstrate a relatively high level of interest in using the application due to its accessibility and time efficiency. However, several challenges remain, including limited digital literacy among some members and unstable internet connectivity. This study concludes that the ESCETE application plays an important role in supporting digital financial services in credit unions. Therefore, continuous socialization and user assistance are necessary to maximize the utilization of the application

Rio Irawan Munthe; Putri Nabila; Dermawan Wijaya Harahap; Ahmad Tamrin Sikumbang

Saturnus: Jurnal Teknologi dan Sistem Informasi 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Digital media is currently the main key to public communication to convey aspirations in government policies. Medan is also one of the major cities in Indonesia that is striving to realize the concept of a smart city through digital media. The role of digital media is very important in realizing a smart city. This study aims to analyze how digital media plays a role in uniting the views of the community and the Medan city government in the effort to realize a smart city in Medan. The method used in this study is a qualitative descriptive approach with a library research approach and observation of digital communication activities, online news, and public statements from the government to the public in Medan. In realizing a smart city, optimizing digital communication is essential to strengthen the synergy between the community and the government. The results of the study indicate that digital media plays a crucial role as a means of two-way communication, information dissemination, and as a medium for public participation. However, challenges such as weak digital literacy and limited infrastructure are obstacles to the sustainability of this effort.

Yuniarti, Nur Atika; Atika Mutiarachim; Ryan Arya Pramudya; Ery Fatarina Purwaningtyas; Eleny Sania Putri

Jurnal Suara Pengabdian 45 2026 LPPM Universitas 17 Agustus 1945 Semarang

Tantangan utama yang dihadapi warga Kelurahan Pesantren, Kota Semarang adalah belum optimalnya pengelolaan limbah lingkungan rumah tangga, khususnya minyak jelantah, yang berpotensi menimbulkan pencemaran dan masih kurang dimanfaatkan secara ekonomi. Program ini bertujuan untuk meningkatkan kesadaran lingkungan, keterampilan kewirausahaan, dan kemandirian ekonomi masyarakat dengan inovasi ekonomi kreatif. Tahapan pelaksanaannya meliputi observasi dan identifikasi masalah, perencanaan program partisipatif, pelaksanaan lokakarya, pendampingan, dan evaluasi keberlanjutan. Kegiatan program terdiri dari pendidikan kewirausahaan, pelatihan langsung pengolahan minyak jelantah menjadi lilin aromaterapi, dan peningkatan kapasitas dalam pembuatan konten digital dan pemasaran digital melalui media sosial dan pasar online. Hasil evaluasi menunjukkan adanya peningkatan signifikan dalam pengetahuan dan minat berwirausaha di kalangan ibu-ibu PKK, yaitu meningkat dari 40% sebelum program menjadi 80% setelah lokakarya. Secara keseluruhan, program ini efektif meningkatkan keterampilan pengelolaan sampah ramah lingkungan dan mendukung pengembangan ekonomi kreatif berbasis lokal.

Zaky Yusuf Ajindra; Chantika Dian Anugrah; Muhammad Zaid Itqon; Akhmad Thauzi; Adrian Mustafa +5 more

Nusantara: Jurnal Pengabdian kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

This community service activity aims to enhance participants' digital competency through responsive web design training conducted using integrated webinar and workshop methods. The background of this activity is based on the increasing need for adaptive web development skills across various devices to support digital personal branding. This activity involves university students and the general public and is conducted online utilizing modern communication platforms. The implementation method consists of preparation, implementation, and evaluation stages. In the implementation stage, participants attend webinar sessions to strengthen conceptual understanding of responsive web design principles, followed by workshop sessions that emphasize hands-on practice in website creation using HTML, CSS, and JavaScript. Evaluation is conducted through pre-tests and post-tests to measure program effectiveness. The results show a significant increase in participants' digital competency with an average score increase of 55.8%. These findings indicate that the integration of webinar and workshop methods is effective in improving participants' conceptual understanding and technical skills. This activity is expected to serve as a model for community service based on applicable and sustainable digital competency development.

Alfani Azhard; Haris Pratama; Putri Nabawy

Modem : Jurnal Informatika dan Sains Teknologi 2026 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

The rapid development of digital technology has significantly increased public access to online activities, including online gambling, which has emerged as a serious social problem in Indonesia. This study aims to analyze the impact of online gambling on the mental health and social behavior of young people. This research employed a descriptive method with a survey approach. Data were collected through questionnaires distributed to young respondents who had experience or exposure to online gambling activities. The findings indicate that involvement in online gambling has a significant impact on mental health disorders such as stress, anxiety, and depressive symptoms. In addition, online gambling contributes to a decline in social interaction quality, increased family conflict, social withdrawal, and reduced productivity. Behavioral changes such as impulsivity and decreased self-control were also identified among respondents. These results demonstrate that online gambling not only affects individuals psychologically but also disrupts social relationships and family harmony. Therefore, comprehensive preventive efforts are needed through digital literacy enhancement, family involvement, and psychological support services to protect young people from the negative consequences of online gambling.

Lu'luil Maxnun; Ati Sadiah; Rendra Gumilar; Astri Srigustini; Kurniawan +4 more

Jurnal Pengabdian dan Pembangunan Lokal 2026 Lembaga Pengembangan Kinerja Dosen

The policy to implement the deep learning approach in Indonesian schools starting from the 2025/2026 academic year requires teachers to be well prepared to design and conduct meaningful and in-depth learning. This community service program aimed to enhance the understanding and pedagogical competence of senior high school and madrasah economics teachers in Tasikmalaya City in implementing the deep learning approach comprehensively. The program employed a community-based science and technology application scheme through training and mentoring activities conducted in face-to-face, online, and hybrid modes, consisting of planning, implementation, and evaluation stages. The training materials covered the concept and implementation of deep learning, lesson planning, instructional design and models, learning evaluation, development of innovative technology-based learning media, and reinforcement of microeconomic and macroeconomic content. A total of 78 economics teachers participating in the MGMP of Tasikmalaya City were involved in the program. The results indicate that the training improved teachers’ understanding of deep learning, lesson planning, and assessment strategies that support meaningful learning. Participants’ reflections revealed high motivation and strong relevance of the training materials to their professional duties. This program contributes to strengthening teachers’ readiness to implement deep learning sustainably and supports the improvement of economics learning quality in schools.

Doni Ari Saputra; Yasir Yasir

Jurnal Ilmu Komunikasi, Administrasi Publik dan Kebijakan Negara 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Instagram has become a strategic medium for government institutions in delivering public information, particularly weather and disaster-related information that requires speed, clarity, and ease of understanding. The BMKG of Gowa Regency utilizes digital communication innovations through the use of informative memes and a virtual character named Shinna as a visual communication strategy to enhance the effectiveness of information dissemination to the public. This study aims to analyze the influence of meme usage and the virtual character Shinna on the information satisfaction of Instagram users of BMKG Gowa Regency by employing the Stimulus–Response (S–R) theory perspective, which views visual messages as stimuli capable of eliciting cognitive and affective responses from audiences. This research adopts a quantitative approach using a survey method. Data were collected through an online questionnaire with a four-point Likert scale administered to followers of the BMKG Gowa Regency Instagram account who had viewed or interacted with meme content and the virtual character Shinna. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. The results indicate that the use of memes and the virtual character Shinna has a positive and significant effect on users’ information satisfaction, both partially and simultaneously. Meme usage shows a more dominant influence compared to the virtual character Shinna, while the coefficient of determination (R²) value of 0.834 indicates that both variables explain 83.4% of the variance in users’ information satisfaction. These findings confirm that public communication strategies based on memes and virtual characters are effective in enhancing audience understanding, comfort, and satisfaction with disaster-related information.

Jannati Tangngisalu; Muh.Akob; Marwah Yusuf; Loade Sumail; Hasyim Mokhtar +1 more

Jurnal Inovasi Sosial dan Pengabdian 2026 Lembaga Pengembangan Kinerja Dosen

This community service activity was carried out to enhance the managerial capacity and digital competence of Micro, Small, and Medium Enterprises (MSMEs) in Sunggu Manai Village, Patalassang District, Gowa Regency. In the digital economy era, MSME actors must adapt to technological changes and manage their businesses professionally to remain competitive. The activity employed a participatory and applicative approach involving training in business management, digital marketing, and application-based financial recording. The results showed a significant increase in participants’ knowledge and skills, particularly in business planning, financial management, and the use of social media and online marketplaces for product promotion. About 80% of participants successfully created digital business accounts and started marketing their products online. The program also fostered awareness of the importance of digital transformation and collaboration among MSME actors. Therefore, integrating managerial capacity building with business digitalization proved effective in enhancing the competitiveness and sustainability of MSMEs in rural areas.

Dykha Arda Wiranata; Mohammad Robbi Zidni Firmansyah; Angga Jibrilda Syahrial

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

The creative economy industry serves as a strategic pillar of the national economy, experiencing significant transformation in the digital era. This study aims to comprehensively analyze the pattern of human resource (HR) competency gaps within priority subsectors of Indonesia's creative economy and formulate effective, multi-stakeholder development strategies. Employing a Systematic Literature Review (SLR) methodology, this research rigorously analyzes 30 scientific journal articles, government reports, and publications from global institutions published between 2014 and 2024. The findings delineate three primary clusters of competency gaps: (1) The Digital-Technical Competency Gap, encompassing deficiencies in data analytics, specialized software mastery, and digital content creation tools; (2) The Digital-Business Competency Gap, which includes shortcomings in digital financial literacy, online business model development, and management of digital intellectual property rights; and (3) The Social-Cognitive Competency Gap, highlighting needs in adaptability, complex problem-solving, and effective virtual collaboration. In response, this paper proposes an integrative strategic framework grounded in a collaborative multi-stakeholder approach. Key recommendations include revitalizing educational curricula through industry-embedded learning and micro-credential integration, developing agile and accessible training ecosystems featuring bootcamps and digital platforms, and fostering supportive policies through fiscal incentives and the alignment of national qualification frameworks with digital skill standards. The successful implementation of this synergistic strategy is expected to significantly enhance the adaptability, innovation capacity, and global competitiveness of Indonesia's creative workforce, thereby ensuring the sustainable growth of the creative economy sector in the face of rapid digital disruption.

Siniya Nurya Winata

Jurnal Manajemen Kreatif dan Inovasi 2026 International Forum of Researchers and Lecturers

The development of information technology encourages organizations to adopt a more efficient, flexible, and secure data management system, especially in the field of financial management that requires high accuracy and reliability. One of the technologies that is widely used is cloud computing, which offers easy access to data and an integrated security system. This article aims to analyze the utilization of cloud technology in improving the security and accessibility of financial management data. The method used in this study is a literature study by examining various scientific sources, books, and online news relevant to the topic of cloud computing and financial data management. The results of the study show that cloud technology is able to improve data security through the implementation of encryption, multi-layered access control, user authentication, and a reliable data backup system. In addition, cloud technology also improves the accessibility of financial data because it allows users to access information in real-time, flexibly, and without location or device restrictions. Thus, the application of cloud technology can be a strategic solution for organizations in improving operational efficiency, data security, and the quality of decision-making in financial management.

Hana Larasati; Yuniar dwi ariska; Azka Nafisatul Wahda; Amalia julianti; Sri Wahyuningsih +1 more

Jurnal Pengabdian dan Solidaritas Masyarakat 2026 Lembaga Pengembangan Kinerja Dosen

The rapid development of digital technology has brought significant changes to the business landscape, transforming how products are marketed, services are delivered, and business relationships are built. In this context, students, as future members of the workforce and potential entrepreneurs, are required to possess strong digital literacy skills in order to effectively face challenges and seize emerging business opportunities. This study aims to analyze the importance of digital literacy in supporting students’ readiness to respond to future business trends. The research employed a descriptive approach using a literature review and observations of the entrepreneurship learning process in vocational schools. The findings indicate that digital literacy plays a crucial role in enhancing students’ creativity, adaptability, and ability to utilize digital platforms for online marketing, branding, and business communication. Furthermore, digital literacy helps students understand market dynamics, analyze consumer behavior, and adopt innovative business models that align with technological developments. Students with adequate digital literacy are better prepared to face rapid changes in the business environment and demonstrate higher confidence in applying technology to entrepreneurial activities. In conclusion, the integration of digital literacy into entrepreneurship education is essential to produce competitive, innovative, and adaptable graduates who are capable of thriving in the digital era and contributing to sustainable economic development.

Nor Hidayah; Yudhojon Novembero; Ida Bagus Suryanatha

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

The empowerment program for Micro, Small, and Medium Enterprises (MSMEs) in Takaras Village, Manuhing Subdistrict, Gunung Mas Regency, was carried out to address the problem of low business visibility due to limited promotional media and minimal use of digital technology. Most MSMEs still relied on traditional word-of-mouth promotion, which restricted market reach and reduced competitiveness. To overcome this, the KKN Reguler I Team Group 55 of the University of Palangka Raya implemented activities consisting of informational banner installation and business location registration on Google Maps. The methods included field surveys, banner design planning using simple digital tools, direct assistance in location registration, and banner installation at business sites. The program involved 26 MSMEs, of which 18 received banner support. The installation of banners provided a clearer visual identity for each business, while the use of Google Maps significantly improved consumer accessibility to business locations and services. The results showed that the combination of offline (banners) and online (Google Maps) promotion was effective in increasing product visibility, attracting more customers, and strengthening consumer trust. This initiative also encouraged MSMEs to adopt digital technology in their marketing strategies. Overall, the program made a tangible contribution to the digital transformation of local MSMEs and laid the foundation for sustainable community economic competitiveness

Harry Zulkifli

Modem : Jurnal Informatika dan Sains Teknologi 2026 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

The development of social media has encouraged students to be more active in interacting, sharing information, and establishing relationships online. However, the high intensity of social media use also increases the risk of personal data leakage. This literature study aims to examine the relationship between privacy awareness and students' safe behavior in social media use. The research was conducted by examining various sources, including scientific journals, articles, research reports, books, and online references relevant to digital security issues. The results of the study show that privacy awareness has a significant role in shaping students' safe behavior. This awareness is reflected through the practice of using strong passwords, the implementation of two-factor authentication, and prudence in sharing personal information in the digital space. Although knowledge about digital threats is quite adequate, students' safe behavior is still influenced by the level of internalization of privacy awareness. Therefore, increasing privacy awareness requires not only information, but also educational strategies that emphasize the formation of consistent digital attitudes and habits. This study makes an important contribution to understanding the relationship between privacy awareness and safe behavior, as well as being the basis for the development of more effective digital literacy programs among students.

Hapyla Dharen; Muhamad Aswaeni Muldea; Alya Hanifah; Lutvi Nurul Ilmi; Triana Olivia Rahman +1 more

jurnal Riset Rumpun Agama dan Filsafat 2026 Pusat Riset dan Inovasi Nasional

The academic crisis among Physics students often arises due to the pressure of the credit semester sistem (SKS), grade demands, and heavy study loads. This condition drives students to focus solely on achieving academic results, while the essence of learning as worship is often overlooked. This study aims to explore how the values of Islamic education, particularly the orientation towards rewards, can help students cope with academic pressure. The methods used include literature review and a quantitative survey with an online questionnaire completed by 56 Physics and Physics Education students at Universitas Pendidikan Indonesia. The analysis results show a significant correlation between the SKS pressure and changes in learning behavior (r = 0.807), while the orientation towards rewards acts as a spiritual balance. The findings suggest that Islamic education plays a crucial role in building academic resilience through values of sincerity (ikhlas), patience (sabar), trust in God (tawakal), and balance (tawazun). Thus, academic achievements can become a means of worship while contributing positively to society. This study highlights the importance of spiritual values in achieving balanced academic success.

Ega Selviani; Maria Susanti Nena; Agustinus Irfanto; Theresia Yunita; Egenia Mauritsia +2 more

Jurnal Manajemen Kreatif dan Inovasi 2026 International Forum of Researchers and Lecturers

This study aims to analyze the influence of service quality, product quality, and price on customer loyalty at the online shop Patricia Aksesoris. This research is motivated by the increasingly fierce competition in the e-commerce business, which requires businesses to not only attract new customers but also retain existing ones by increasing loyalty. Customer loyalty is a crucial factor because it directly impacts business sustainability and competitive advantage. This study used a quantitative approach with a survey method, distributing questionnaires to customers who had previously purchased from Patricia Aksesoris. The sampling technique used purposive sampling. The collected data were analyzed using multiple linear regression to determine the effect of each independent variable on customer loyalty. The results indicate that service quality, product quality, and price, both partially and simultaneously, have a positive and significant effect on customer loyalty. These findings indicate that responsive and friendly service, products that meet customer expectations, and competitive pricing commensurate with product quality can increase customer loyalty. This research is expected to provide practical contributions to online shop owners in formulating marketing strategies oriented towards customer satisfaction and loyalty.

Sri Anggraini; Tri Damaiyanti; Maya Rafika Utami; Eko Prasetyo; Nurbaiti Nurbaiti

Jurnal Bisnis, Ekonomi Syariah, dan Pajak 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the role of internet technology in enhancing the competitiveness of ebusiness in Indonesia, particularly in the sector of small and medium enterprises (SMEs). Based on theoretical reviews, internet technology, e-business, technology adoption (TAM), and the concept of competitiveness serve as the main foundations for understanding the ongoing digital transformation. The research employed a descriptive qualitative method with a purposive sampling technique, involving five informants consisting of digital SME owners, online store managers, and users of service platforms. Data were collected through interviews and observations, then analyzed using the Miles and Huberman model through the stages of data reduction, data presentation, and conclusion drawing. The findings reveal that the internet plays a crucial role as an essential infrastructure that enhances marketing effectiveness, expands market reach, and improves operational efficiency. Marketplaces, social media, and delivery-service platforms contribute significantly to sales growth and service quality. However, challenges such as low digital literacy, platform commission fees, changes in social media algorithms, and uneven infrastructure development still limit optimal utilization. From a policy perspective, the study recommends strengthening digital infrastructure and improving national digital literacy. This research emphasizes that the success of e-business depends on technology access, human resource competence, and support through public policy. It can be concluded that internet technology serves as a vital foundation for e-business competitiveness in the digital era.

Wilona Ramadhani K; Muhammad Irwan Padli Nasution

Saturnus: Jurnal Teknologi dan Sistem Informasi 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

This study aims to describe users' experiences and perceptions regarding the presence of malicious comments on social media, particularly on TikTok and Instagram. Data were collected through an online questionnaire using Google Forms containing eight open-ended questions, then analyzed using a descriptive qualitative approach through thematic analysis. The results showed that all respondents had and frequently encountered malicious comments, especially on viral content or creator accounts with large followings. The most common forms of malicious comments included body shaming, insults, defamation, and belittling and demeaning comments. Respondents expressed various emotional reactions such as discomfort, sadness, anger, and pity, although a small number felt normal due to their familiarity with the phenomenon. Factors that drive someone to make malicious comments include following the crowd (FOMO), envy, personal dislike, and the ease of expressing negative opinions on social media. Malicious comments also impact user comfort, with most feeling disturbed and uncomfortable. Respondents' responses to malicious comments included ignoring, responding positively to reprimands, blocking accounts, or reporting the comments. Respondents also proposed several efforts to reduce malicious comments, such as limiting or closing the comment section and increasing education regarding social media ethics. Overall, this study confirms that malicious comments are a common phenomenon on social media and need to be addressed through better personal awareness and digital literacy.

Lusi Aprilia; Aditya Liliyan

Jurnal Manajemen Kreatif dan Inovasi 2026 International Forum of Researchers and Lecturers

This study aims to analyze the effect of service quality and trust on members’ decisions to use the services of Koperasi Simpan Pinjam (KSP) Pamuji in the Soloraya region. Savings and loan cooperatives play an important role in providing financial access for the community; therefore, service quality and members’ trust are crucial factors in sustaining cooperative services. This research employs a quantitative approach with an explanatory research design. Data were collected through a structured online questionnaire distributed to 201 respondents selected using purposive sampling techniques. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 27. The results indicate that service quality has a positive and significant effect on service usage decisions, as evidenced by a regression coefficient of 0.504 and a significance value below 0.05. Trust also shows a positive and significant effect on service usage decisions with a regression coefficient of 0.375. Simultaneously, service quality and trust explain 82.5% of the variation in service usage decisions. These findings confirm that positive service experiences and high levels of trust are key determinants in encouraging members to use cooperative savings and loan services. The results of this study are expected to provide practical insights for cooperative managers in formulating strategies to improve service quality and strengthen members’ trust in order to enhance sustainability and competitiveness.