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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis JBMP (Jurnal Bisnis, Manajemen dan Perbankan) JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Cakrawala Management Business Journal eCo-Buss Lampuhyang Management Studies and Entrepreneurship Journal (MSEJ) Ilomata International Journal of Management Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) eCo-Fin Journal of Educational Management Research Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Joong-Ki LOYALITAS: Jurnal Pengabdian Kepada Masyarakat
Wenny Pebrianti
Universitas Tanjungpura
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Public Health Social Sciences Other

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Pengaruh Knowledge dan Religiusitas terhadap Minat Menggunakan Layanan LinkAja Syariah dengan Mediasi Trust Dea Avilla Putri; Erna Listiana; Bintoro Bagus Purmono; Wenny Pebrianti; Ana Fitriana
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 2 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i2.5250

Abstract

The development of Sharia financial technology (fintech) has encouraged the emergence of digital wallet services based on Islamic principles, one of which is LinkAja Syariah. This study aims to analyze the influence of knowledge and religiosity on the intention to use LinkAja Syariah, with trust as a mediating variable. This study employed a quantitative approach using a survey method involving 200 respondents who were digital wallet users in Indonesia. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results indicate that knowledge has a significant effect on the intention to use, both directly and indirectly through trust. Religiosity does not have a direct effect on the intention to use, but it has an indirect effect through trust. Trust is proven to be a key factor in encouraging public interest in using Sharia digital financial services. These findings suggest that understanding the service and confidence in its security and Sharia compliance are essential foundations in shaping usage intention. This study contributes to enriching the literature on consumer behavior in Sharia fintech and emphasizes the role of trust as a bridge between cognitive factors, religious values, and the intention to use the service.
Effects of Digital Transformation, GCG, and CAR on NPL in Indonesian Banks with Profitability as Moderator Syarifah Marvira Wati; Helma Malini; Wenny Pebrianti; M. Ridwan Ristyawan; Anggraini Syahputri
Journal of Educational Management Research Vol. 5 No. 5 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i5.3093

Abstract

This study aims to examine the relationships between digital transformation, Good Corporate Governance (GCG), Capital Adequacy Ratio (CAR), and non-performing loans (NPLs), while assessing the moderating role of profitability in these relationships. A quantitative research design was employed using panel data obtained from official reports covering the 2020–2024 period. The data were analyzed using panel data regression and Moderated Regression Analysis (MRA) to examine both the direct effects of digital transformation, GCG, and CAR on NPLs and the moderating effect of profitability. The findings indicate that digital transformation significantly reduces NPLs, suggesting that the adoption of digital technologies, including artificial intelligence, big data, and real-time monitoring, can improve credit assessment and facilitate earlier identification of credit risk. GCG and adequate capital also contribute to strengthening credit risk management. However, profitability does not significantly moderate the relationships between digital transformation, GCG, CAR, and NPLs. These findings highlight the importance of integrating digital capabilities, effective governance, and capital resilience into banking risk-management strategies to support more effective and sustainable credit risk management.
Price Perception and Electronic Word-of-Mouth on Repurchase Intention: The Mediating Role of Customer Satisfaction among Generation Z Matcha Consumers Alya Maharani; Harry Setiawan; Erna Listiana; Wenny Pebrianti
Journal of Educational Management Research Vol. 5 No. 5 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i5.3115

Abstract

The growing popularity of matcha beverages among Generation Z reflects changing consumption patterns shaped by health awareness, lifestyle trends, and social media engagement. In this competitive market, understanding the factors that encourage consumers to repurchase is important for sustaining customer relationships. Price perception and electronic word of mouth (E-WOM) may influence repurchase intention through customer satisfaction. This study aims to examine the effects of price perception and E-WOM on repurchase intention and to investigate the mediating role of customer satisfaction among Generation Z consumers of matcha beverages. A quantitative causal research design was employed. Data were collected through a five-point Likert-scale online questionnaire from 130 Generation Z consumers who had previously purchased matcha beverages and actively used social media. Respondents were selected using purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The findings show that price perception and E-WOM positively and significantly affect customer satisfaction, while customer satisfaction significantly enhances repurchase intention. However, neither price perception nor E-WOM has a significant direct effect on repurchase intention. Customer satisfaction significantly mediates both relationships. These findings indicate that businesses should prioritize customer satisfaction when developing pricing and digital communication strategies to encourage repeat purchases.
From Environmental Awareness to Action: Understanding BYOB Intention and Actual Behavior through the Theory of Planned Behavior Justin; Ilzar Daud; Ahmadi; Wenny Pebrianti; Harry Setiawan
Journal of Educational Management Research Vol. 5 No. 5 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i5.3169

Abstract

The increasing use of single-use plastic bags requires behavioral interventions that encourage individuals to adopt reusable alternatives through the Bring Your Own Bag (BYOB) practice. Understanding the psychological factors that shape BYOB intention and actual behavior is therefore important for strengthening environmentally oriented public policies. This study examines the effects of Environmental Awareness, Attitude Toward Behavior, Subjective Norms, and Perceived Behavioral Control on BYOB Actual Behavior, with BYOB Intention serving as a mediating variable. A quantitative explanatory design was employed involving 285 respondents aged 17 years and above. Data were collected through structured questionnaires using a five-point Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that Environmental Awareness, Attitude Toward Behavior, Subjective Norms, and Perceived Behavioral Control significantly influence BYOB Intention, while BYOB Intention and Perceived Behavioral Control significantly influence BYOB Actual Behavior. Environmental Awareness, Attitude Toward Behavior, and Perceived Behavioral Control also significantly affect BYOB Actual Behavior through BYOB Intention, whereas the indirect effect of Subjective Norms is not significant. These findings highlight the importance of strengthening environmental awareness, positive attitudes, perceived behavioral control, and behavioral intention through practical and community-oriented interventions to encourage sustained BYOB practices.
Co-Authors Adelia Fitriani Ahmad Shalahuddin Ahmadi Ahmadi Ahmadi Alya Maharani Amaninda Jihan Nabila Ana Fitriana Anggraini Syahputri Anindita Ayu Listyanti Arman Jaya Barkah Barkah Bimewahqi Najmi Bintoro Bagus Purmono Daniel Dea Avilla Putri Desi Nurhalita Dewi Elika Rani Ensi Rahmayanti Erna Listiana Fadhilah Jihan Faezha Giriati Harisa Juliani Harry Setiawan Helma Malini Hendarmin Hendarmin Heriyadi Heriyadi Heriyadi Ilmira Rosalin Ilzar Daud Indah Riyani Indra Safari Isnawati Isnawati Juniwati Juniwati Juniwati Justin Khusnul Hairunnisa Laeli Putri M. Irfani Hendri M. Ridwan Ristyawan Maria Olivia Pricilla Metasari Kartika Muhammad Nafil Fikri Muharani Naswa Riantika Nur Afifah Nur Kholis Farhan Nurul Komari Puput Lestari Rahmadania Ramadania Ramadania Ramadania, Ramadania Resti Nursabilla Ririn Aryanti Risa Ramadhianti Roland Franklin Seiko Manito Septi Purnama Sari Shemma Anggia Romanisti Suci Wulandari Syarifah Marvira Wati Tiara Wati Titik Rosnani Titik Rosnani Uray Ndaru Mustika Wendy Weni Trisnawati