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All Journal Jurnal Ekonomi Dan Bisnis Journal of Digital Marketing and Halal Industry
Ninda Fatmawati
Kyungdong University
Economics, Econometrics & Finance

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Leveraging Brand Innovativeness to Build Trend-Driven Value and Customer Satisfaction Muhammad Hilmi Labibunnajah; Abdul Ghofur; Ninda Fatmawati
Journal of Digital Marketing and Halal Industry Vol. 8 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2026.8.1.31539

Abstract

This study addresses inconsistencies in prior research regarding the effects of fashion consciousness and brand innovativeness on customer satisfaction, particularly due to the lack of a clear underlying mechanism. The rapid proliferation of social media has intensified trend sensitivity among fashion consumers, making trend-based value increasingly important. Drawing on Consumer Value Theory and the expectation-confirmation model, this study examines perceived value on trendiness (PVT) as a mediating mechanism linking brand innovativeness (BI), fashion consciousness (FC), and customer satisfaction (CS) in the Indonesian sneaker market. Using an explanatory research design to examine causal relationships, data were collected from 150 respondents through purposive sampling and analyzed using covariance-based structural equation modeling (CB-SEM) with AMOS. The results show that brand innovativeness has a significant positive effect on PVT (β = 0.613, p < 0.001), and PVT significantly influences customer satisfaction (β = 0.575, p < 0.001). However, fashion consciousness does not significantly affect PVT (β = 0.123, p = 0.239). Mediation analysis indicates that PVT significantly mediates the relationship between BI and customer satisfaction (Sobel = 3.394, p < 0.001), but not the relationship between FC and customer satisfaction. This study contributes to the literature by extending perceived value theory through the introduction of trendiness as a value dimension that mediates the relationship between brand innovativeness and customer satisfaction.
From Financial Exclusion to Informal Debt: The Mediating Role of Financial Inclusion Gilang Kharisma Putra; Ninda Fatmawati; Arum Pujiastuti
Jurnal Ekonomi dan Bisnis Vol. 29 No. 2 (2026): JURNAL EKONOMI DAN BISNIS SEPT 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pekalongan

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Abstract

Purpose – This study aims to examine the influence of financial exclusion and distance to bank on informal debt dependence, while investigating the role of financial inclusion in shaping these relationships among communities in Central Java, Indonesia Design/methodology/approach – This study employed a quantitative explanatory research design using primary data collected through an online questionnaire from 200 respondents residing in Central Java who had experience using formal or informal borrowing. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The analysis included measurement model assessment, structural model evaluation, and bootstrapping for hypothesis testing Findings – The results show that distance to bank and financial exclusion have positive and significant effects on informal debt dependence. Financial inclusion also has a positive and significant relationship with informal debt dependence, indicating that formal and informal financing may coexist rather than function solely as substitutes. Furthermore, financial inclusion significantly weakens the positive relationship between distance to bank and informal debt dependence. However, its moderating effect on the relationship between financial exclusion and informal debt dependence is not significant. Research limitations/implications – The study is limited by its cross-sectional design and geographical focus on Central Java. Future research may incorporate financial literacy, financial resilience, digital financial inclusion, income, and behavioral factors. Originality/value – This study extends the financial inclusion literature by integrating geographical barriers, financial exclusion, and financial inclusion to explain informal debt dependence, while positioning financial inclusion as a moderating mechanism rather than merely an independent predictor.
Co-Authors Abdul Ghofur Arum Pujiastuti Gilang Kharisma Putra Muhammad Hilmi Labibunnajah