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Muhammad Alvinnur Budiansyah; Muhammad Alvinnur Budiansyah; Aqmala, Diana; Eko Waluyo, Dwi; Setiawan, Aries

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

Aqua, as a leading bottled mineral water brand in Indonesia, faces challenges in maintaining its market share amid increasing competition and boycott issues. This study aims to analyze the impact of product quality, product pricing, and brand image on purchasing decisions for Aqua in Kendal City. The research employs both quantitative and qualitative methods. Data collection techniques involve distributing questionnaires to 188 respondents and conducting interviews with 10 respondents. The respondents were selected using purposive sampling based on specific criteria, such as having used Aqua and being aware of the boycott issue. The data were analyzed using multiple linear regression to test the influence of each independent variable on the purchasing decision. The results show that product quality, product pricing, and brand image have a positive and significant impact on Aqua's purchasing decisions. Brand image emerged as the most dominant factor influencing purchasing decisions. Additionally, the majority of informants are highly concerned about the boycott issue and disturbed by the Israeli attacks, which has affected their purchasing decisions. This study recommends that Aqua improve product quality, implement competitive pricing strategies, and strengthen its brand image through innovation and marketing campaigns to maintain customer loyalty. Aqua should also promote its neutral stance publicly, clarifying that it is not involved in the Israel-Palestine issue, in order to maintain public trust in the brand.

Audi Gita Nanda; Suhartono Suhartono

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

This study aims to determine the effect of Advertising attractiveness, Onlie costumer review, Influencer marketing, on purchase decision throught costumer trust (Case Study on SKINTIFIC in Yogyakarta). This research uses quantitative methods. The population in this study were SKINTIFIC skincare costumers in Yogyakarta who were obtained from distributing questionnaires with samples taken using nonprobabilitu sampling method, namly sampling techniques with a census so that the sample used in study was 100 responden. The results of this study indicate that: (1) Advertsing attractiveness has a positive and significant effecr on costumer trust, (2) Online costumer reviews has a positive and significant effect on costumer trust, (3) Influencer marketing has no positive and significant effect on costumer trust, (4) Advertsing attractiveness has a positive and significant effect on purchase decision, (5) Online costumer review has a positive and significant effect on purchase decision, (6) Influencer marketing has a positive and significant effect on purchase decision, (7) Costumer trust has a positive and significant effect on purchase decision, (8) Advertising attractiveness, purchase decision, and customer trust have a positive and significant effect on each other so that they can mediate between the three, (9) Online Costumer Review, purchase decision, and customer trust do not have a positive and significant effect on each other so that they cannot mediate between the three, (10) Influencer marketing, purchase decision, and customer trust do not have a positive and significant effect on each other so that they cannot mediate between the three.

Lema, Dominique Julied Saputri; Lema, Dominique Julied Saputri; Mesakh, Anthonius B.; Kasim, Abas

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

This research aims to know and analyze both the partial and simultaneous effects of online customer review and online customer rating on the purchase decision on e-commerce Shopee among students of the business administration program of Nusa Cendana University. The number of samples in this research was 100 respondents, with using the Purposive Sampling technique. The data analysis techniques used are quantitative descriptive analysis, multiple linear regression analysis, and hypothesis testing and analysis of the coefficient of determination (R2) using the SPSS V26 application. From the results of Multiple Linear Regression Analysis, the equation is obtained: Y = 2.301 + 0.302X1 + 0.705X2 + 2.699. The results of both the t test and the F test show that partially online customer review and online customer rating have a positive and significant effect on purchasing decision. Based on the Adjusted R² value, the contribution of the perceived usefulness and trust variables to intention to use is 61,1%, while the remaining 38.9% of purchase decision variables were influenced by other variables not discussed in this study. For this reason, it is suggested that further researchers can examine variables outside of this study that can affect purchasing decisions, as well as not only Shopee e-commerce but also other types of e-commerce.

Aida Puspita; Rosyidah Septianingrum; Siti Shofiyaturrohmah; Azkania Nabila; Rosyidah Septianingrum

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

Digital transformation in the Islamic banking sector requires innovation that is responsive to user needs. The BYOND by BSI application is a form of digital transformation by Bank Syariah Indonesia in response to these dynamics. This study aims to examine customer acceptance and satisfaction with the use of the BYOND application based on five recent national studies. The research findings indicate that factors such as perceived usefulness, ease of use, trust, and Islamic banking features play a significant role in driving customer usage and loyalty. Challenges include low digital literacy and concerns about security. With a sustainable approach to feature development and digital education, BYOND has great potential to strengthen the digital Islamic banking ecosystem in Indonesia.

Nida Auliyah; Osly Usman; Annisa Lutfia

Riset Ilmu Manajemen Bisnis dan Akuntansi 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to identify the factors that influence the interest of Bank Syariah Indonesia (BSI) customers in using the Byond by BSI application, using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) approach. This application is one of the digital innovations developed by BSI to improve digital banking services. The data in this study were obtained from primary data collected directly through a Google Form questionnaire distributed to 290 respondents who are BSI customers and users of the Byond by BSI application. The study employed a non-probability sampling method with purposive sampling technique, where respondents were selected based on specific criteria relevant to the research objectives. Data analysis was conducted through several stages, including descriptive statistics, validity and reliability tests, normality tests, multicollinearity, heteroskedasticity, as well as multiple linear regression analysis and hypothesis testing. Data processing was conducted using SPSS software version 30. The results of the analysis indicate that all variables studied, performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, habit, trust, and perceived risk have a positive and significant influence on behavioral intention or users' interest in continuing to use the Byond by BSI app.  

Teuku Rio Febrian Alfa Risky; Osly Usman; Ayatulloh Michael Musyaffi

Jurnal Riset dan Publikasi Ilmu Ekonomi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the influence of service quality and customer trust on customer satisfaction and customer loyalty among DANA e-wallet users in DKI Jakarta, both directly and indirectly through customer satisfaction as a mediating variable. Data were collected from 235 respondents through an online questionnaire and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach. The results indicate that service quality and customer trust have a positive and significant effect on customer satisfaction. However, neither variable has a significant direct effect on customer loyalty. Conversely, customer satisfaction shows a positive and significant influence on customer loyalty and serves as a mediator between service quality and customer trust toward customer loyalty. The instrument's validity and reliability were confirmed through outer model testing, discriminant validity, and construct reliability analysis. These findings highlight the critical role of customer satisfaction in building user loyalty toward e-wallet services.

Septiana Aulia Febrianti; Heri Prabowo; Ira Setiawati

Jurnal Penelitian Manajemen dan Inovasi Riset 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to reveal the influence of various factors in digital marketing on consumer purchases on the TikTok Shop platform. This study specifically aims to assess the impact of content marketing and online customer reviews on purchasing decisions with customer trust as an intervening variable on TikTok Shop customer in Pati. This study uses a quantitative method. The population studied was TikTok Shop consumers in the Pati area, with an unknown number. A total of 97 respondents were sampled through a non-probability sampling technique with a purposive sampling approach. Data analysis was carried out using SmartPls 3 software. The results of the study showed that content marketing had an influence on purchasing decisions, while online customer reviews did not have a significant influence. In addition, content marketing and online customer reviews had an effect on purchasing decisions. However, customer trust was not proven to influence purchasing decisions. Content marketing and online customer reviews also had no influence on purchasing decisions through customer trust as an intervening variable on TikTok Shop customer in Pati.

Agrosamdhyo, Raden

This research analyzes the implementation of the 7P marketing mix framework—comprising product, price, place, promotion, people, process, and physical evidence—at Bank Syariah Indonesia (BSI) to attract consumer interest in adopting sharia-compliant savings products within an increasingly volatile banking environment. Amidst accelerating retail competition following consolidated structural expansions, the main objective of this study is to trace the relationship between strategic structural integration and retail consumer acquisition dynamics. The methodology incorporates a qualitative case study paradigm operating primarily through continuous field observations at physical institutional touchpoints combined with an extensive evaluation of web-based portal data and corporate disclosures. The key findings reveal that the proactive orchestration of zero-administration deposit schemes, transparent sharia-compliant pricing margins, broad multi-channel distribution, targeted digital netnography campaigns, and highly optimized automated mobile routing systems collectively acts as a core catalyst for amplifying consumer market trust and broadening retail account portfolios. The study concludes that the seamless integration of digital service architectures with traditional branch infrastructures under sharia tenets remains vital for maintaining structural growth and securing long-term institutional presence in competitive regional commercial banking fields.

Sebastian Alboen Sihombing; Reva Setianingsih; God Godsent; Urai Vidia

Jurnal Hukum, Administrasi Publik dan Negara 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study aims to analyze the effectiveness of funding sourced from Danantara—a digital platform that manages state investment with funding support from state-owned bank customers—in supporting the acceleration of national development. In the context of state investment, collaboration between the Investment Management Institution (LPI) and state-owned financial institutions is important as a form of fiscal innovation and expansion of non-APBN financing sources. The method used is a qualitative descriptive approach with literature studies from various scientific journals and related laws and regulations. The results of the study show that Danantara has the potential to be a reliable, flexible, and sustainable long-term funding instrument. Through funds collected from state-owned bank customers, state investment can be focused on strategic sectors such as infrastructure, energy, and digitalization. However, its effectiveness is still faced with regulatory challenges, transparency of governance, and public literacy regarding state investment mechanisms. For this reason, it is necessary to strengthen regulations and synergy between financial institutions, as well as increase public trust so that Danantara can function optimally as the main supporter in realizing fiscal independence and national economic growth.

Dimas Aditya Saputra; Aida Sari

International Journal of Management and Digital Sciences 2025 International Forum of Researchers and Lecturers

This study examine the impact of product quality and service quality on consumer loyalty toward Bakso Adi, a local culinary business in Lampung, Indonesia. In recent years, consumers have become increasingly discerning, making product satisfaction and service experience crucial elements in shaping their loyalty. The research aims to examine how these two variables affect customer loyalty behavior, including repeat purchases, positive recommendations, and resistance to switching brands. The study employs a quantitative approach using a multiple linear regression model, with data collected through a questionnaire to 100 respondents (purposive sampling). The findings is both product quality and service quality significantly positively impact consumer loyalty. Product quality influences loyalty by meeting consumer expectations in taste and consistency, while service quality contributes through positive emotional experiences during customer interactions. These findings highlight the dual importance of maintaining high standards in both product and service aspects to retain customer trust and engagement. In conclusion, businesses like Bakso Adi must prioritize continuous improvement in product quality and service delivery to foster long-term customer loyalty. This study contributes to the understanding of loyalty formation in local food businesses and offers practical insights for customer retention strategies.

Yonius Zalukhu

Tri Tunggal: Jurnal Pendidikan Kristen dan Katolik 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Entrepreneurship try to reach welfare economy of citizen constitute a responsibility of church's institution in creating a better life. Covid 19 Pandemic has given impact in economic bussiness where the strategy used by UMKM actors in agrobussiness to increase and mantain their income. The success of UMKM can bring Economic Improvement. Reseach method is qualitative descriptive with research instruments such as indepth interview, observation, and documentation. the result of shows (a) a couple of obstacles such as nature obstacle, human obstacle, and economic obstacle (capital). the word of the Lord regarding entrepreneurship i.e about trust to the blessing source, about running the daily bussiness, about sugestion to do online selling, etc. marketing be utilized such as wrapping, online opportunity, announcement utilization, online shop shopee, application whatsapp, (d) process open new branch (e) selling in facebook application (f) joining bazar (g) inspiration from the shepherd with online selling such as facebook, Tiktok, Go Food, Shopee, and grab (h) door to door selling (i) about customer. Solution and testimony divided into: spiritual solution and bodily solution. Testimony: The Lord bless with house and blessing for the children of the Lord; blessing buying rice with uncoincidently found in the street. The Lord bless therefore still able to harvest, be multiplied in harvest's result and the Lord send the buyers.

Nursaidah Fitriah; Imrona Hayati; Ulfa Jamilatul Farida

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research aims to examine the Islamic economic perspective on home-based businesses in improving the welfare of the people on Miang Island, as well as tracing their development and supporting and inhibiting factors. The method used is field research with a qualitative approach and descriptive techniques, with data obtained through observation, interviews, and documentation from primary and secondary sources. The results show that home-based businesses make a real contribution to improving the community's economy by utilizing local potential and applying Islamic values such as honesty, trustworthiness, and fairness in their management. This business is growing rapidly and has become the main alternative to increase family income, while encouraging local economic empowerment. Family support in running the business provides efficiency and strengthens the sense of community, and is supported by community loyalty as regular customers. However, challenges faced include limited capital to expand the business, instability in raw material prices, and competition from larger businesses. These constraints often prevent businesses from increasing their production capacity and reaching a wider market.

Tazkiyah Sakinah; Anas Nabila; Eliza Delicia; Ni Kadek Wenda Pramesti; Ryan Kurniawan +5 more

POTENSI : Jurnal Pengabdian Kepada Masyarakat 2025 Fakultas Ekonomi dan Bisnis UNDARIS

This community service activity aims to study the business model, marketing strategy, technology utilization, and success factors of Talula Jewl MSMEs in Bandar Lampung which are engaged in the anti-rust and waterproof titanium jewelry industry. The method used is descriptive qualitative through interviews, observations, and documentation. The analysis uses the Business Model Canvas and Marketing Mix (4P). The results of the study show that Talula Jewl has a social media-based marketing strategy that does not involve influencers, clear market segmentation, and quality products. Digital design and interaction use this technology. Market understanding, excellent service, and customer trust support sales success. Although there are fluctuations in sales in e-commerce, customer satisfaction remains high. Development is directed at opening offline stores

Muhammad Ibni Fauzan

Global Leadership Organizational Research in Management 2025 STIKes Ibnu Sina Ajibarang

This study aims to analyze customer experience with the services provided by F21 Sinergy Motorcycle Workshop. A qualitative approach was employed, utilizing in-depth interviews and participatory observations involving 12 repeat customers who have used the workshop's services more than once. The research seeks to explore customers’ perceptions of several key service dimensions, including service quality, repair speed, the professionalism of technicians, and overall satisfaction with the repair outcomes. Findings indicate that while most customers perceive the service to be friendly and responsive, some expressed concerns regarding consistency in service speed during peak hours. The professionalism and technical competence of the mechanics were generally appreciated, particularly in terms of communication and transparency about issues and repair estimates. The study also reveals that trust and communication are critical factors that influence repeat visits and customer loyalty. Furthermore, the physical environment of the workshop, cleanliness, and waiting area comfort also contributed to the overall customer experience. These findings suggest that F21 Sinergy should maintain its strengths in interpersonal service while continuously improving operational efficiency during busy periods. This study contributes to a better understanding of how customer experience influences perceptions of service quality in the motorcycle repair industry. 

Dewi Masrinawati; Satriah Satriah; Hasan Hasan

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research aims to examine the Islamic economic perspective on home-based businesses in improving the welfare of the people on Miang Island, as well as tracing their development and supporting and inhibiting factors. The method used is field research with a qualitative approach and descriptive techniques, with data obtained through observation, interviews, and documentation from primary and secondary sources. The results show that home-based businesses make a real contribution to improving the community's economy by utilizing local potential and applying Islamic values such as honesty, trustworthiness, and fairness in their management. This business is growing rapidly and has become the main alternative to increase family income, while encouraging local economic empowerment. Family support in running the business provides efficiency and strengthens the sense of community, and is supported by community loyalty as regular customers. However, challenges faced include limited capital to expand the business, instability in raw material prices, and competition from larger businesses. These constraints often prevent businesses from increasing their production capacity and reaching a wider market.

Selviana Selviana; Mustatho Mustatho; Ulfa Jamilatul Farida

Jurnal Cakrawala Pendidikan dan Biologi 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

Marketing strategy is a fundamental aspect that must be considered in order to achieve predetermined marketing objectives. This strategy encompasses a series of steps and decisions taken to promote products, reach the right target market, and influence customer purchasing behavior. The purpose of this study is to identify the strategies employed by the Mhira Cake Birthday Cake Shop in every sales or promotional activity to attract customer interest, as well as to analyze these strategies from the perspective of Islamic marketing principles. This research is classified as field research, in which the writer directly visited the location—Mhira Cake Birthday Cake Shop—to obtain accurate data, employing a qualitative research approach. The primary informant in this study was the owner of Mhira Cake, while supporting informants included the shop’s customers. Data collection techniques included observation, interviews, and documentation. The collected data were then processed and analyzed using a descriptive qualitative method. The results of this study show that Mhira Cake employs marketing strategies through product, pricing, promotion, and location. The marketing methods used include offering affordable prices for the products sold. From the perspective of Islamic economics, it can be concluded that the marketing strategies implemented by Mhira Cake are in accordance with Islamic marketing principles. The shop operates its business based on values of honesty and fairness and applies characteristics aligned with Islamic marketing ethics. Additionally, in practice, the business incorporates ethical business conduct by demonstrating the traits of shiddiq (truthfulness), amanah (trustworthiness), tabligh (transparency in communication), and fathonah (wisdom). The business is run with a commitment to integrity in every aspect.

Memah, Ester; Rakinaung, Jesica; Rorong, Ananda Karunia; Hadinata, Graccio

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

Business ethics form the moral foundation that guides corporate operations and stakeholder interactions, fostering trust, strengthening relationships, and promoting long-term business sustainability. In the digital industry, the application of business ethics has become increasingly critical due to the complexity of interactions among companies, partners, and customers. PT GoTo Gojek Tokopedia Tbk, established through the 2021 merger of Gojek and Tokopedia, faces substantial challenges in upholding ethical principles amid the dynamic landscape of Indonesia’s digital economy. This study adopts a descriptive qualitative approach, utilizing observation and literature review, to examine the extent to which the implementation of business ethics at GoTo contributes to its corporate performance. The findings indicate that consistent ethical practices significantly enhance corporate reputation, improve customer loyalty, and foster a healthy work environment. The integration of fairness, honesty, transparency, and social responsibility has proven to be critical in ensuring corporate sustainability and growth within the competitive digital industry. This study underscores the imperative for companies to systematically embed ethical principles into all operational activities in order to address evolving regulatory frameworks, market competition, and rising societal expectations.

Ilmi Farisi Khumaini; Maria Christiana Iman Kalis; Bintoro Bagus Purmono; Nur Afifah; Harry Setiawan

International Journal of Entrepreneurship and Management 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the influence of User Experience and Word of Mouth on Customer Satisfaction in the Oxygen.id Home service, one of the internet providers in Indonesia. In today’s digital era, the quality of internet service is measured not only by connection speed and stability but also by the user’s experience when interacting with the service. User Experience encompasses aspects such as ease of use, interface design, responsiveness, and emotional comfort during service usage. A well-designed User Experience can enhance positive perceptions of the service and lead to increased Customer Satisfaction. Customer Satisfaction plays a crucial role as a bridge between User Experience and Word of Mouth. Satisfied customers tend to be more willing to recommend the service to others, either directly or through social media. Word of Mouth serves as a trusted form of organic promotion and has a significant impact on attracting potential new customers. Therefore, Word of Mouth is not only an outcome of good service but also a part of an effective growth strategy in a competitive industry. This study employs a quantitative approach by collecting data through surveys of active Oxygen.id Home users. The analysis results indicate a strong relationship between User Experience, Customer Satisfaction, and Word of Mouth, with Customer Satisfaction acting as a significant mediating variable. These findings emphasize the importance for service providers to continuously optimize User Experience in order to increase customer loyalty and expand market reach through the power of Word of Mouth.

Muhammad Eksa Ajikusuma; Aminah Swarnawati

Harmoni: Jurnal Ilmu Komunikasi dan Sosial 2025 International Forum of Researchers and Lecturers

The rapid development of the digital era has led to a significant increase in cases of online fraud. BCA, as a trusted bank, acknowledges its concern regarding the increasing issue of fraud which threatens customer security and comfort. Therefore, through the advertising campaign “Don't Know? Kasih No! On YouTube” which contains the dangers and threats of online fraud. The aim of this research is to reveal the meaning of messages and understand the construction of social reality using Ferdinand De Saussure's semiotics. The theory used in this research is the theory of social reality construction, advertising, signs and meaning, visual communication, YouTube as an advertising medium, semiotics, and Ferdinand De Saussure's semiotics. This research uses descriptive qualitative methods. Data collection techniques use text analysis. The results of this research reveal the importance of digital literacy and caution in interacting in the digital world, so that society can be protected from increasingly complex and diverse threats. The understanding that we want to build in this advertisement is that BCA Bank is a bank that prioritizes customer security. By showing fishing symbolism to show how phishing can deceive its victims in a seemingly harmless way.

Nurul Hidayah; Hendestri Br Sembiring; Amelia Putri; Nurbaiti Nurbaiti

Jurnal Riset dan Publikasi Ilmu Ekonomi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The rapid development of e-commerce in Indonesia makes good data management very important. If the data presented is inaccurate or irrelevant, this can make consumers feel dissatisfied, and even lose trust in the platform. This study aims to see the extent to which data quality affects consumer trust and satisfaction on e-commerce platforms. The method used in this research is a literature study, namely by collecting and reviewing various scientific sources such as journals, books, and articles that discuss e-commerce, data quality, and consumer behavior. This study does not use field data, but focuses on the discussion of relevant previous studies. The results of the study show that good data quality such as accurate, complete, and appropriate data for consumer needs can increase user trust and satisfaction. Therefore, e-commerce platforms need to pay attention to good and transparent data management in order to maintain long-term relationships with their customers.