Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Manajemen Kesatuan
Ary Yudianto
Sekolah Tinggi Ilmu Administrasi Amuntai, Indonesia
Economics, Econometrics & Finance Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Adoption of Digital Payment Systems and its Effect on Financial Efficiency of Micro Enterprises in Rural Areas Ary Yudianto; Jumai Latte
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4605

Abstract

The increasing penetration of digital technologies has prompted rural microenterprises to adopt digital payment systems to enhance financial management and operational efficiency. This study investigates the adoption of digital payment systems such as QRIS, e-wallets, and mobile banking and their effects on the financial efficiency of micro enterprises in rural areas. The research aims to understand how the transition from traditional cash-based transactions to digital platforms influences cost reduction, transaction speed, and financial record accuracy among rural entrepreneurs. Using a mixed-method approach, data were collected through surveys and interviews with microenterprise owners who have adopted digital payment systems. Quantitative findings reveal a significant positive correlation between the frequency of digital payment use and improvements in financial management efficiency, particularly in reducing operational costs and enhancing transaction traceability. Qualitative analysis further highlights that digital payment adoption encourages better budgeting behavior and business transparency. However, barriers such as limited digital literacy and unstable internet access remain key challenges in rural implementation. The article discusses these findings in the context of Indonesia’s 2025 national agenda for digital economic transformation and provides policy implications for expanding inclusive digital finance in underserved regions.
Digital Trust, Customer Experience, and Electronic Word of Mouth on Purchase Decision: The Mediating Effect of Customer Satisfaction Jumai Latte; Ary Yudianto
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.5404

Abstract

The rapid growth of e-commerce in Indonesia has significantly transformed consumer behavior in digital purchasing activities. In the increasingly competitive digital business environment, companies are required to understand the factors influencing customer satisfaction and purchase decisions. This study aims to analyze the effects of digital trust, customer experience, and E-WOM on customer satisfaction and purchase decisions, as well as to examine the mediating role of customer satisfaction. The research employed a quantitative approach with an explanatory research design. Data were collected through an online questionnaire distributed to 250 active e-commerce users in Indonesia who had completed at least two transactions within the last six months. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4.1.1.8 software. The findings reveal that digital trust, customer experience, and E-WOM have positive and significant effects on both customer satisfaction and purchase decisions. Customer experience emerged as the most dominant factor influencing satisfaction and purchasing behavior. Furthermore, customer satisfaction was found to mediate the effects of digital trust, customer experience, and E-WOM on purchase decisions. These findings imply the importance of enhancing platform security, improving customer experience quality, and effectively managing digital reviews to strengthen consumer purchase decisions.
Co-Authors Jumai Latte