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All Journal SEGMEN Jurnal Manajemen dan Bisnis International Journal of Artificial Intelligence Research JURNAL MANAJEMEN INDUSTRI DAN LOGISTIK Jurnal Ilmiah Edunomika (JIE) Jurnal Manajemen Bisnis Unram Journal of Community Service (UJCS) Journal of Artificial Intelligence and Digital Business Indo-Fintech Intellectuals: Journal of Economics and Business West Science Journal Economic and Entrepreneurship West Science Social and Humanities Studies
Setiawan, Zunan
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Transportation

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The Exploring the Influence of Perceived Value on Customer Loyalty: The Mediating Role of Emotional and Social Value in Driving Satisfaction and Repeat Purchase Intention. Evidence from PT. BPR Ekadharma Bhinaraharja, East Java, Indonesia Bahagio, Dwi Atmodjo; Adilla, Fitroh; Setiawan, Zunan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3235

Abstract

This study examines how perceived value influences consumer loyalty for the “Kilau Emas” product offered by PT. BPR Ekadharma Bhinaraharja (East Java, Indonesia). The model foregrounds emotional value and social value as mediators, together with overall customer satisfaction, to clarify the mechanisms through which perceived value translates into repurchase intention and loyalty. Cross-sectional survey was administered to a purposive sample of active “Kilau Emas” customers (N = 412). Measurement instruments were adapted from validated scales in prior studies and translated into Indonesian, then pilot-tested. Constructs were modeled as follows: Perceived Value (exogenous), Emotional Value & Social Value (mediators), Customer Satisfaction (mediator), and Repurchase Intention / Consumer Loyalty (endogenous). The findings suggest that perceived value increases repurchase intention primarily indirectly—through emotional and social value that bolster customer satisfaction—rather than through a strong direct effect. Emotional value emerges as the dominant mediating pathway, indicating that for “Kilau Emas” customers, affective resonance (feeling valued, proud, emotionally connected) matters more than purely functional considerations. Managerially, community banks should therefore prioritize experience design that cultivates authentic emotional and social meaning (e.g., locally rooted storytelling, personalized service rituals, community recognition programs) to convert perceived value into durable loyalty. The model’s R² values indicate substantial explanatory power, supporting the practical usability of the framework for predictive and strategic decision-making.
Designing Loyalty in Local Banks: The Impact of Brand Image and Service Quality on Satisfaction, Trust, and Repeat Behavior at PT BPR Bank Sleman Kusworo, Leo Jati; Setiawan, Zunan; Purwoko, Purwoko
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3239

Abstract

This study empirically tests a stimulus–response model that links Brand Image (BI) and Service Quality (SQ) to Customer Loyalty (CL) through the mediating mechanisms of Customer Satisfaction (CS) and Brand Trust (BT) in the context of a regional public bank, PT BPR Bank Sleman (Perseroda). Grounded in expectancy disconfirmation theory and the Stimulus Organism Response framework, the research uses survey data collected from active retail customers and analyzes the hypothesised paths via PLS-SEM. The sample (n 400) was drawn to reflect branch, tenure, and demographic strata typical of BPR clientele. Results indicate that Brand Image and Service Quality both exert significant positive effects on Customer Satisfaction and Brand Trust. Customer Satisfaction and Brand Trust, in turn, strongly predict Repurchase/Revisit Intention and overall Customer Loyalty, confirming their mediating roles. Notably, service quality’s effect on behavioral loyalty is largely indirect operating through satisfaction whereas brand image contributes both directly and indirectly by enhancing trust and setting expectations. Practical implications emphasize that BPRs should coordinate brand positioning with consistent service delivery: investments in frontline training, process reliability, and community-oriented brand narratives yield higher retention than price-only competition. The study contributes theoretically by validating the stimulus organism response chain in a localized banking setting and methodologically by offering a validated measurement battery adapted for BPRs. Limitations include single-institution focus and cross-sectional design. future research should pursue longitudinal and multi-site comparisons to verify temporal stability and generalizability across regional banks.
The Understanding the Drivers of Community Choice toward Madrasah Ibtidaiyyah Islamic Centre Bin Baz: Integrating Religious Values and Educational Marketing Approaches: Integrating Religious Values and Educational Marketing Approaches Ma'ruf, Muammar; Setiawan, Zunan; Adilla, Fitroh
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3541

Abstract

This qualitative study explores the underlying drivers that influence the community’s decision to enroll their children at Madrasah Ibtidaiyyah Islamic Centre Bin Baz. Anchored in the intersection of religious values and educational marketing, this research seeks to understand how faith-based orientation intertwines with modern educational expectations in shaping parental preferences. Using a phenomenological approach, data were collected through semi-structured interviews, in-depth observations, and document analysis involving parents, teachers, and local community leaders. Findings reveal that religious commitment plays a pivotal role in constructing the community’s perception of educational quality. The school’s emphasis on Qur’anic literacy, moral discipline, and the integration of Islamic identity fosters a sense of spiritual assurance among parents. Beyond this spiritual dimension, educational marketing strategies such as transparent communication, community engagement, and reputation management emerge as complementary factors enhancing trust and loyalty. Parents tend to view the school not only as a center of religious learning but also as a platform that ensures academic competitiveness and social belonging for their children. The study highlights that the community’s choice is neither purely rational nor emotional but a synthesis of both, embedded in cultural, religious, and social contexts. Ultimately, the findings suggest that effective educational marketing within faith-based institutions requires genuine alignment between institutional identity, moral values, and community aspirations. This research contributes to a deeper understanding of how religious values can coexist harmoniously with strategic marketing practices in strengthening parental commitment and sustaining the relevance of Islamic education in a competitive educational landscape.
Understanding How Marketing Strategies Inform Consumer Purchasing Decisions: A Qualitative Inquiry at PT Poin Medika, Yogyakarta, Indonesia Sentosa, Agung Mulya; Purwoko, Purwoko; Setiawan, Zunan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3821

Abstract

This qualitative inquiry explores how marketing strategies shape consumer purchasing decisions at PT Poin Medika in Yogyakarta, Indonesia. The study is grounded in the view that purchasing behavior is not merely a reaction to promotional cues, but a negotiated process influenced by perceptions, trust, and experiential signals embedded in everyday consumer brand interactions. As patient-oriented service industries grow increasingly competitive, understanding these subtler decision drivers becomes essential for crafting strategies that resonate authentically with local consumers. Using a qualitative descriptive design, data were gathered through semi-structured interviews with customers and key marketing personnel, complemented by on-site observations. All transcripts and field notes were coded and analyzed using NVivo to identify recurring patterns and relational themes. The NVivo analysis revealed three dominant clusters trust-anchored communication, where transparent information and empathetic tone strengthened perceived reliability; service experience cues, including staff attentiveness and perceived service efficiency, which shaped emotional comfort and purchase readiness; and value interpretation, reflecting how consumers evaluated the alignment between pricing, service quality, and personal health needs. The synthesis of these themes indicates that effective marketing at PT Poin Medika is less about persuasive tactics and more about cultivating relational assurance and meaningful service encounters. The findings suggest that marketing strategies rooted in clarity, human warmth, and consistent service delivery foster stronger purchase intentions. This study underscores the strategic importance of experiential and trust-based communication in guiding consumer decision-making within healthcare-related service contexts.
A Qualitative NVivo-Based Exploration of Weather, Climate, and Seasonal Rainfall Variations and Their Socio-Economic Consequences on Sales Volume and Revenue Among Micro, Small, and Medium Enterprises (MSMEs): A Case Study of Kulit Lumpia Bunga Terate in Kasihan, Bantul, Yogyakarta Sentosa, Agung Mulya; Setiawan, Zunan; Adilla, Fitroh
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3855

Abstract

This study examines how weather patterns, climate shifts, and seasonal rainfall variations shape the sales volume and revenue stability of micro, small, and medium enterprises (MSMEs), with a focused case on Kulit Lumpia Bunga Terate in Kasihan, Bantul, Yogyakarta. The inquiry departs from the premise that small food-based enterprises operate within fragile ecological and market environments, where fluctuating humidity, temperature, and rainfall subtly influence production quality, consumer traffic, and operational continuity. A qualitative approach was chosen to capture these lived realities in a manner that quantitative measures alone cannot express. Data were collected through in-depth interviews with owners, production workers, and local suppliers, supported by field observations during both dry and rainy periods. All qualitative materials were processed and analyzed using NVivo, allowing systematic coding and thematic patterning. The NVivo outputs highlighted three interlinked thematic domains moisture-sensitive production challenge, where humidity and rainfall affected dough consistency, drying time, and defect rates; consumer flow fluctuations, driven by changes in foot traffic, weather-related mobility, and shifting consumption habits during prolonged rains; and adaptive economic responses, including informal inventory strategies, flexible pricing, and selective product diversification to buffer revenue drops. The synthesis of these themes suggests that the enterprise’s economic resilience is strongly tied to its capacity to anticipate and adapt to environmental variability. The findings underscore that climate-responsive production practices, paired with context-specific marketing adjustments, play a crucial role in sustaining MSME performance amid increasingly unpredictable weather conditions.
Co-Authors A., Chevy Herli Sumerli Adilla, Fitroh Agus Mulyono Agus Siswanto Alfian, Achmad Anwar, M. Arifai Ilyas Arnes Yuli Vandika Bahagio, Dwi Atmodjo Dian Ariani Donny Dharmawan Ekasari, Silvia Elizabeth Yohanes Endrawati, Titin Fikri, Muhammad Ali Hady, Sultan Ira Ningrum Resmawa, Ira Ningrum Judijanto, Loso Khuan, Hendri Kurniawan, Rangga Muhammad Kusworo, Leo Jati Lasmiatun, KMT LAUNTU, ANSIR Lusianawati, Hayu Ma'ruf, Muammar Muhammad Rajab Musran Munizu Muthmainnah Muthmainnah Noor, Laili Savitri Nur Hidayat, Indra Iryanto Nurdiani, Tanti Widia Pratama, I Wayan Adi Purwoko Purwoko Ridwansyah Ridwansyah Safari, Apay Saifuddin Zuhri Salamatun Asakdiyah, Salamatun Santi Diwyarthi, Ni Desak Made Sentosa, Agung Mulya Sinaga, Hommy Dorthy Ellyany Sintesa, Nika Sirait, Evi Sitorus, Sunday Ade Sono, Mohammad Gifari Sulistyo, Beni Agus Sumerli A, Chevy Herli Suryadi, Dikky Tauhidin Abas, Totoh Utama Sembiring, Afen Prana Wachyu Hari Haji Wailmi, Khil Widagdo, Djoko Xiaoyan, Yuan