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Ni Putu Nina Nuryati; I Gusti Ngurah Agung Gede Eka Teja Kusuma; Ni Putu Cempaka Dharmadewi Atmaja

International Journal of Economics and Management Sciences 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The increasing participation in JKN in Denpasar has prompted BPJS Kesehatan to optimize the use of e-Dabu; however, the service continues to face persistent technical and usability challenges. Ongoing system issues, limited user proficiency, and unsatisfactory user experiences have reduced engagement with e-Dabu, highlighting the importance of understanding how the customer journey shapes positive emotions and customer passion through customer experience. This quantitative study employs validated measurement scales covering e-Dabu, customer journey, positive emotions, customer passion, and customer experience, with a sample of 190 business entity PICs at the BPJS Kesehatan Denpasar Branch. Data were analyzed using the SEM-PLS method, and the findings reveal that customer journey and positive emotions significantly influence customer experience. Additionally, positive emotions and customer experience significantly affect customer passion, while customer journey does not directly impact customer passion. The study concludes that enhancing customer journey, positive emotions, and customer experience is essential for increasing customer passion within BPJS Kesehatan Denpasar. These findings offer valuable theoretical and practical contributions to improving digital public service management.

Salma Mayviana Zahrani; Ambardi Ambardi

Kajian Ekonomi dan Akuntansi Terapan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The growth of e-commerce in Indonesia has changed consumption patterns, especially in the online purchase of skincare products. Shopee, as the largest marketplace, has become the main platform for brands such as Skintific, which has achieved high sales. This phenomenon shows the support of online consumer reviews (Electronic Word of Mouth/E-WOM) and digital shopping experiences (Online Customer Experience/OCE). This study aims to examine the influence of E-WOM and OCE on purchasing decisions for Skintific products on Shopee. This study used a quantitative method with an associative approach. The research sample consisted of 97 respondents obtained through purposive sampling. Data analysis was performed through validity and reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). The results of the study indicate that E-WOM has a positive and significant effect on purchasing decisions (calculated t = 5.209 > table t = 1.986; sig. <.001). OCE also has a positive and significant effect on purchasing decisions (t-count = 7.605 > t-table = 1.986; sig. <.001). Simultaneously, both independent variables have a significant effect on purchasing decisions (F-count = 101.366 > f-table = 3.09; sig. <.001). The coefficient of determination (R²) value of 0.683 indicates that 68.3% of the variation in purchase decisions can be explained by E-WOM and OCE, while the remaining 31.7% is influenced by other factors outside the research model. These findings confirm that consumer online reviews and positive online shopping experiences play an important role in increasing purchase decisions for Skintific products on Shopee.

Bertrand Hendra Cahya; Jatmiko Jatmiko

Akuntansi Pajak dan Kebijakan Ekonomi Digital 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the influence of social media, experiential marketing, and service quality on customer satisfaction with Bloodz distro products in the Jakarta area. This research employs a quantitative method, collecting data through questionnaires distributed to Bloodz distro customers. The collected data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the SmartPLS software. The findings reveal that the three variables— social media, experiential marketing, and service quality—positively and significantly affect customer satisfaction. Among these variables, service quality has the most dominant influence. These findings highlight the importance of integrated marketing strategies, enhanced customer experiences, and improved service quality in increasing customer satisfaction.  

Dwi Mahdi Mahesa; Natal Indra

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

This study aims to analyze the influence of customer service and product innovation on customer satisfaction at Resto Mie Gacoan. Using a quantitative method with an associative approach, data were collected through questionnaires distributed to 40 active customers. Analysis techniques included validity and reliability tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²) using SPSS. The results show that product innovation has a relatively more significant influence on customer satisfaction than customer service, though its significance value slightly exceeds 0.05. Customer service does not have a statistically significant effect. Simultaneously, both variables do not significantly influence customer satisfaction. However, the R² value of 12.6% indicates that service and product innovation still contribute to variations in satisfaction, with the rest influenced by other factors not included in the model. These findings suggest that product innovation plays a more crucial role in enhancing satisfaction at Resto Mie Gacoan. Therefore, management is encouraged to prioritize innovative menu development and unique customer experiences in their marketing strategies.

Heru Yulianto

Akuntansi Pajak dan Kebijakan Ekonomi Digital 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the influence of Digital Customer Experience (DCE) and Customer Engagement (CE) on Brand Loyalty (BL) among Generation Z, a digital-native cohort that plays a strategic role in shaping market dynamics in the digital era. Using a quantitative explanatory research design, data were collected through a structured questionnaire employing a 5-point Likert scale, distributed to 100 purposively selected respondents aged 18–27 who actively interact with brands through digital platforms. Multiple linear regression analysis was applied with SPSS software to test the hypotheses. The results reveal that Digital Customer Experience has a positive and significant impact on Brand Loyalty, indicating that seamless, personalized, and satisfying digital interactions enhance consumer loyalty. Similarly, Customer Engagement exerts a positive and significant influence on Brand Loyalty, emphasizing the role of active customer participation in strengthening emotional attachment and long-term commitment to brands. Jointly, both variables explain over 70% of the variation in Brand Loyalty, underscoring their synergistic effect in driving repurchase intention and advocacy behaviors among Generation Z. The findings provide both theoretical implications for enriching the customer experience–engagement–loyalty framework and practical guidance for marketers to optimize digital touchpoints, foster interactive engagement, and design loyalty-driven strategies tailored to Generation Z’s behavioral patterns in the digital marketplace.

Zuhrinal M. Nawawi; Maysa Chairani

Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study employs a qualitative method with a literature review approach to examine how the optimization of marketing skills contributes to enhancing customer loyalty in Islamic banking. Based on a review of various national journals and theoretical references, it was found that personal selling skills, interpersonal communication, understanding of sharia-compliant products, and the ability to build long-term relationships with customers play a significant role in maintaining loyalty. Amidst the competition between digital and conventional banking, Islamic banks are required to prioritize service values aligned with sharia principles and optimize human resource capabilities in delivering educational, solution-oriented, and consistent approaches. Effective marketing skills not only create a positive customer experience but also enhance trust in Islamic financial institutions.

I Gusti Agung Diandra Prabandari; Tjokorda Gde Raka Sukawati

International Journal of Economics, Management and Accounting 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

In recent years, the beauty industry has gained significant traction and become deeply embedded in public awareness, especially regarding skincare routines involving cosmetic products. Among the notable local cosmetic brands in Indonesia is Emina, which stands out for its youthful concept and lightweight formulations—ideal for entry-level users. This study seeks to explore the mediating role of trust in the relationship between customer experience and repurchase intention for Emina’s products in Denpasar City. Utilizing a non-probability sampling technique, specifically purposive sampling, data were obtained through surveys distributed to 120 qualified respondents. The analysis was conducted using path analysis, complemented by the Sobel test and the Variance Accounted For (VAF) approach. Findings reveal that customer experience significantly and positively affects both trust and repurchase intention. Moreover, trust itself has a significant positive impact on repurchase intention and acts as a mediating variable between customer experience and repurchase intention. Theoretically, this research reinforces prior findings in the field, while practically, it offers strategic insights for Emina’s management to improve consumer experiences and foster trust—ultimately boosting repeat purchase behavior.

Bernadetta Anita Jeri S; Syahrudin Marpaung; Sulaiman Ahmad; Mardelia Desfrida

International Journal of Economics, Management and Accounting 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The rapid growth of e-commerce has driven companies to seek more effective strategies to enhance logistics efficiency and customer satisfaction. This article examines the synergy between artificial intelligence, strategic location determination, and digital marketing in supporting the performance of digital supply chains. This multidimensional approach demonstrates that integrating cutting-edge technologies with precise location strategies and data-driven marketing can create superior customer experiences and more efficient operational costs. This study is based on a literature review of ten recent related studies. Moreover, it highlights consumer behavior shifts due to the digitalization and globalization of supply chains.  

Dela Nur Hikmah

International Journal of Economics and Management Sciences 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The coffee shop industry in Samarinda City is growing rapidly driven by the hangout culture and increasing coffee consumption. Jay's Coffee, as one of the well-known coffee shops, faces challenges in maintaining customer satisfaction and increasing word of mouth amidst competition. This study analyzes the effect of store atmosphere and experiential marketing on customer satisfaction and its impact on word of mouth. Using a quantitative method with a survey, this study involved 97 Jay Coffee customers selected by non-probability sampling. Data were collected through questionnaires and analyzed with path analysis. The results showed that store atmosphere and experiential marketing have a positive and significant effect on customer satisfaction. A comfortable store atmosphere and interesting experiences increase customer satisfaction, which in turn encourages word of mouth. In addition, store atmosphere and experiential marketing also have a direct effect on word of mouth. Thus, Kopi Jay needs to develop strategies to improve store atmosphere and customer experience to maintain loyalty and improve business competitiveness.

Muhammad Rodhita Arfiandi; Muhammad Firdaus; Tamriatin Hidayah

International Journal of Economics, Commerce, and Management 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the effect of e-service quality and e-trust Whatsapp Reminder on customer loyalty of BPJS Ketenagakerjaan Banyuwangi Regency with customer satisfaction as an intervening variable. In the digital era, technology-based services are a key factor in improving customer experience, especially in social security services. This study uses a quantitative approach with a survey method involving 100 respondents of BPJS Ketenagakerjaan Banyuwangi Regency participants who have used the Whatsapp Reminder service. Data was collected through questionnaire methods and direct interview sampling and then analyzed using the Smart PLS method. This Smart PLS analysis method used to analyze data is the value of Path Coefficients, P-value, and T-Statistics. The results showed that e-service quality and e-trust Whatsapp Reminder have a positive and significant influence on customer satisfaction. In addition, customer satisfaction acts as a mediator that strengthens the relationship between e-service quality and e-trust Whatsapp Reminder on customer loyalty. Thus, improving the quality of digital services and trust in the WhatsApp Reminder system contribute directly to BPJS Ketenagakerjaan customer loyalty. These findings provide implications for service managers for BPJS Ketenagakerjaan participants to continue to improve digital service quality and build customer trust in order to maintain loyalty in the long term.

Dwi Rijal Giri Prabowo; Ulfi Pristiana

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

This study analyses the effect of ease of use, user experience, and customer satisfaction on user behaviour of e-commerce applications for students of the Faculty of Economics and Business, Universitas 17 Agustus 1945 Surabaya. The method used is causal associative quantitative with data collection through questionnaires on 122 respondents. The results showed that the three variables had a significant effect on user behaviour. Ease of use (p = 0.026), user experience (p = 0.002), and customer satisfaction (p = 0.002) each have a positive influence on user behaviour. Simultaneously, these three factors also had a significant effect (Fcount = 25.059, p = 0.001). The findings support the theories of Technology Acceptance Model (TAM), Theory of Planned Behaviour (TPB), and Customer Experience Theory (CET). The practical implication is that app developers need to focus on easy-to-use design, pleasant user experience, and increased customer satisfaction to increase loyalty. This study has limitations in the sample of university students and the cross-sectional method which does not allow for long-term generalisation.

Titin Sumarni; Siti Murasih; M. Iqbal Romadhan; Ayu Suraya

Jurnal Bisnis, Ekonomi Syariah, dan Pajak 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research aims to analyze effective digital marketing strategies in increasing sales of bag products on e-commerce platforms. In the digital era, the use of technology and online platforms is the main key for business actors to reach a wider range of consumers. This study identified various digital marketing techniques such as search engine optimization (SEO), marketing via social media, paid advertising (PPC), content marketing, as well as the use of influencer marketing. Additionally, data-driven personalization strategies and consumer behavior analysis are also discussed to improve customer experience and sales conversion. The combination of an attractive content strategy, use of data analytics technology, and consistent interaction with consumers can have a positive impact on sales of bag products on e-commerce platforms. These findings provide guidance for business actors in designing more effective and targeted digital campaigns. This research is descriptive research with a qualitative approach with the research object being digital marketing strategies to increase bag sales in e-commerce. Data types are primary data and secondary data. Primary data is data collected directly by researchers or data practitioners in the field. Meanwhile secondary data is a type of data collected from previously existing data. Data sources will be taken from documents, interview results, and results from observations. By means of private chat/message between the researcher as interviewer and the informant.

Advent Chandra; Felicia Tiffani Kojongian; Mohamad Zein Saleh

Jurnal Publikasi Ekonomi dan Akuntansi 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the service management strategies implemented by PT Gojek Indonesia to enhance customer satisfaction. Using a qualitative approach based on literature review, the research explores the relationship between service quality, service diversification, and technological innovation in shaping customer experiences. The findings reveal that service management strategies, such as quick booking features, real-time tracking, and digital payment solutions via GoPay, significantly influence customer satisfaction. Service variations like Go-Ride, Go-Car, and Go-Food enable Gojek to meet diverse customer needs, while a focus on reliability and security assurance fosters user loyalty. The study highlights the importance of continuous innovation and quality improvement to maintain Gojek's competitive position in the online transportation service market.

Zahra Nur Aninda; Rifky Roosdhani

International Journal of Economics, Management and Accounting 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Businesses must use social media if they want to survive in this modern era. Almost all industries need social media to increase market share, boost brand credibility, and increase customer trust. Social media is also necessary for the transportation industry to function properly. Until now, there has not been much research on transportation related to marketing activities on social media, especially buses. This study provides a new perspective on efforts to improve SMMA purchasing decisions. It was found that customer experience and promotion variables are necessary as mediating variables between SMMA and purchase decisions. This study collects and analyzes quantitative data. In this study, purposive sampling method was used to 506 sample bus passengers at PO Bejeu Jepara. The empirical model was tested with Smart PLS 4.0 software.

Alwi Abdul Aziz; Fani Firmansyah

International Journal of Economics, Commerce, and Management 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The aim of carrying out this research is to find out the implementation of the Sharia productive financing program in increasing income at PT Pemodalan Nasional Madani Syariah Pujon. The type of research used in this research is field research (Field Research). This research approach is descriptive analysis. This research aims to determine the impact of the Sharia productive financing program on increasing the income of women's MSMEs in Pujon. In preparing this research, the author clarified the data sources into 2 types, namely: 1) Primary data; 2) Secondary Data. Data collection techniques in this research were obtained through the following methods and stages: 1) interviews; 2) Observation and 3) documentation. The results of this research are the productive financing application mechanism at PT Permodalan Nasional Madani, namely that prospective customers submit applications by bringing initial documents and filling in the financing application form. Customers who take out or carry out productive financing with PT Permodalan Nasional Madani as a business need, the micro-business runs by the customer experiences an increase in income. So that with this financing, the business run by the customer can develop and increase the customer's income. By increasing the stock of goods or equipment in the business run by the customer, the business also experiences progress in terms of income, production and performance

Regita Bintari Prameswari; Jojok Dwiridotjahjono

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Customer Relationship Management (CRM) is a crucial strategy in strengthening relationships with customers and improving service quality. This research examines the implementation of CRM at PT PLN (Persero) UP3 West Surabaya, which aims to improve the efficiency of collecting and analyzing customer data through the use of application technology and websites. By understanding customer characteristics, behavior, and needs through effective profiling, PT PLN (Persero) UP3 West Surabaya can develop a more personalized and responsive CRM strategy, and improve ongoing interaction with customers. This research uses observation method and qualitative approach with literature review method to examine CRM implementation at PT PLN (Persero) UP3 West Surabaya. The results showed that the use of a customer profiling database can help PT PLN in creating a better customer experience and increasing customer loyalty. Successful CRM implementation requires careful planning, adequate technology, and support from all parties in the organization.

Muhammad Adzmy Nur Yansyah; Hilda Hilda; Fakhrina Fakhrina

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The purpose of this study is to determine the influence, Customer Intimacy and Customer Experience on Customer Loyalty at Bank Muamalat KCP Baturaja.This study used primary data with a quantitative approach. Classical assumption testing techniques, and hypothesis testing using IBM SPSS 26 statistical analysis. The results of this study show that Increasing Customer Intimacy has a postive effect on Customer Loyalty (1,822>1,661), while Customer Experience has a significant positive effect on Customer Loyalty (7,931> 1,661). Increase Customer Bonding, Customer Intimacy and Customer Experience simultaneously (35,448> 3,09).

Darwati Setiyani

Jurnal Bisnis, Ekonomi Syariah, dan Pajak 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research discusses various elements that have a significant impact on customer satisfaction in the context of various industries. Through in-depth analysis of factors such as product quality, customer service, price, and user experience, this research aims to understand the complex relationship between these elements and customer satisfaction levels. The research methods used include surveys, interviews, and statistical data analysis to collect relevant information. The results of this research provide in-depth insight into the elements that have the most significant impact on customer satisfaction, providing a foundation for organizations to improve their strategies for creating more positive customer experiences.

Elfitra Widia Wulandari; Indah Respati Kusumasari

Jurnal Riset dan Publikasi Ilmu Ekonomi 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Kurnia Ciptamoda Gemilang is an Indonesian retail company that was founded in 1998 and currently houses several brands, namely, Charles & Keith, Pedro, Pomelo, and EA7 Emporio Armani in more than 80 stores throughout Indonesia. The purpose of this research is to determine the role of Sales Associates and sales marketing strategies in selling Charles & Keith Tunjungan Plaza Surabaya products. Sales Associates are placed in a position to analyze the operational running of retail activities, both related to Sales and Selling Products, as well as inventory and will also be given the opportunity to interact directly with customers as a Fashion Advisor to be able to provide product information, answer questions and provide suggestions to customers . This research uses a descriptive qualitative approach with in-depth interviews with Sales Associates at the Charles & Keith store Tunjungan Plaza and also personal observations during their internship as a Sales Associate for Charles & Keith Tunjungan Plaza Surabaya. The research results show that the role of the Sales Associate is very crucial in providing a positive customer experience, understanding customer needs, providing accurate product information and also increasing customer transaction value. Apart from that, effective sales marketing strategies are also implemented to increase the level of product sales by using social media, one of which is Value Added Service (Chat Shop), which is a medium for communication, promotion and also online sales via WhatsApp between Sales Associates and customers.

Riski Lainatus Sifa; Resy Tamara; Arisman Purba; Lenti Susanna Saragih

Jurnal Ekonomi dan Keuangan Islam 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

esearch explores the impact of digital technology on market competitive dynamics, considering the role of big data, artificial intelligence (AI), digital platforms and online marketing strategies. The discussion also includes factors that influence success in competition in digital markets, such as personalization of customer experience, multichannel integration, data security, and adaptation to changing regulations and consumer trends. This analysis provides important insights for business people in facing challenges and exploiting opportunities in an increasingly dynamic and sophisticated competitive environment.