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Journal : Journal of Educational Management Research

Consumer Psychological Factors and Impulse Buying: The Moderating Role of Mindfulness among Generation Z QRIS Users Riyani, Indah; Pebrianti, Wenny; Komari, Nurul; Purmono, Bintoro Bagus; Setiawan, Harry
Journal of Educational Management Research Vol. 5 No. 2 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i2.1924

Abstract

The rapid adoption of QRIS-based digital payment systems has transformed Generation Z’s consumption patterns, particularly by increasing their tendency toward impulse buying. This study aims to examine the effects of spendception, cashless effect, and hedonic motivation on impulse buying, as well as the moderating role of mindfulness. This quantitative study involved 250 Generation Z respondents in Indonesia who had engaged in impulse buying using QRIS within the past six months. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results indicate that spendception, cashless effect, and hedonic motivation have positive and significant effects on impulse buying. Mindfulness weakens the influence of the cashless effect arising from transaction convenience and hedonic motivation driven by emotional pleasure. Conversely, mindfulness strengthens the effect of spendception on impulse buying, as a reduced perception of monetary loss makes transactional awareness insufficient to restrain purchasing impulses. These findings suggest that psychological processes in digital transactions are heterogeneous, depending on consumers’ cognitive and affective dynamics, and offer practical implications for consumers in managing impulsive purchasing tendencies in the era of digital payments.
The Influence of Advertising Intrusiveness and User Experience on Switching Intention through Customer Satisfaction: An Educational Management Perspective Oliver, Charli; Komari, Nurul; Afifah, Nur; Purmono, Bintoro Bagus; Setiawan, Harry
Journal of Educational Management Research Vol. 5 No. 2 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i2.1974

Abstract

This study aims to examine the influence of advertising intrusiveness and user experience on switching intention through customer satisfaction from an educational management perspective. Employing a quantitative approach with a causal research design, data were collected through structured questionnaires using a Likert scale from 205 respondents selected through purposive sampling. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3.0. The findings reveal that advertising intrusiveness has a negative and significant effect on customer satisfaction and a positive and significant effect on switching intention. User experience has a positive and significant effect on customer satisfaction but does not directly influence switching intention. Furthermore, customer satisfaction has a negative and significant effect on switching intention and significantly mediates the relationship between advertising intrusiveness, user experience, and switching intention. These results suggest that intrusive advertising increases users’ intention to switch platforms, while positive user experience enhances satisfaction, which subsequently reduces switching intention. From an educational management perspective, the study highlights the importance of managing digital learning environments by minimizing intrusive elements and optimizing user experience to sustain user satisfaction and platform retention in increasingly competitive digital ecosystems.
The Effect of Perceived Competence and Perceived Ease of Use on Continuance Intention with Perceived Enjoyment as a Mediating Variable Sofia; Afifah, Nur; Purmono, Bintoro Bagus; Juniwati; Setiawan, Harry
Journal of Educational Management Research Vol. 5 No. 2 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i2.1992

Abstract

The development of digital technology has accelerated the adoption of online learning platforms such as Duolingo in Indonesia. Despite its high level of popularity, the platform still faces challenges related to user retention and high churn rates. The inconsistency of previous research findings regarding the factors influencing continuance intention indicates a research gap that requires further investigation, particularly within the context of gamification-based learning applications. This study aims to analyze the effects of perceived competence and perceived ease of use on continuance intention, with perceived enjoyment serving as a mediating variable among Duolingo users in Indonesia. This research employed a quantitative approach with a causal design and involved 280 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling (SEM) with AMOS. The results indicate that perceived competence and perceived ease of use have a positive and significant effect on perceived enjoyment and continuance intention. Furthermore, perceived enjoyment significantly mediates these relationships. These findings emphasize that the sustainability of learning application usage is influenced not only by cognitive factors but also by users’ affective experiences.
Understanding Repurchase Intention in Digital Consumption: The Role of Perceived Benefits, Gamification, Online Persuasion, and Consumer Attitude Theodora, Cindy; Barkah; Setiawan, Harry; Ramadania; Bagus Purmono, Bintoro
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2016

Abstract

This study aims to examine the influence of perceived benefits, gamification, and online persuasion on repurchase intention, with consumer attitude serving as a mediating variable. A quantitative survey approach was employed by collecting data from 294 respondents who had prior experience purchasing from digital-based coffee shop services. The sampling technique used purposive sampling, and the data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results reveal that perceived benefits, gamification, and online persuasion have positive and significant effects on both consumer attitude and repurchase intention. Furthermore, consumer attitude significantly mediates the relationship between these three variables and repurchase intention, indicating that consumers’ evaluative responses play a crucial role in translating digital marketing stimuli into repeat purchase behavior. These findings highlight the importance of enhancing interactive digital features, emphasizing both functional and emotional value, and developing culturally relevant online communication strategies. Such strategies can strengthen consumer attitudes, improve engagement with digital platforms, and ultimately encourage stronger repurchase intention among consumers in increasingly competitive digital service environments.
Macroeconomic and Firm-Level Determinants of Bank Stock Returns: The Role of Interest Rates, Inflation, Profitability, and Firm Size Adelia, Steven; Syahputri, Anggraini; Setiawan, Harry; Giriati; Ristyawan, M. Ridwan
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2021

Abstract

This research examines the influence of the BI Rate, inflation, profitability (ROA), and firm size on banking stock returns. The analysis applies a quantitative approach using panel data regression with the Common Effect Model (CEM). The sample consists of 39 banking companies selected through purposive sampling, with observations covering the 2021–2024 period. Secondary data were analyzed using EViews 12 to evaluate the relationship between macroeconomic indicators and firm characteristics on stock returns. The results show that the BI Rate and inflation have a negative and significant effect on stock returns, while firm size has a positive and significant effect. In contrast, profitability (ROA) does not have a significant effect on banking stock returns. Simultaneously, all independent variables significantly influence stock returns, indicating that both macroeconomic conditions and firm characteristics jointly shape investor responses in the capital market. These findings imply that interest rate policy and inflation dynamics are important macroeconomic signals that influence investor behavior, while firm size reflects stability that can attract investment interest. Therefore, investors should consider macroeconomic trends and company scale when making investment decisions, while bank management needs to strengthen financial credibility and transparency to improve market confidence.
Co-Authors Adelia, Steven Adinda Purnama Sari Agnes Agnes Ahmad Shalahuddin, Ahmad Akhmad Yani Alfiyatunnufus, Dian Ana Fitriana Ana Fitriana Andika, Wahyu Andry, Johannes Fernandes Anwar Azazi ARDIANSYAH ARDIANSYAH Ardion, Ardion Arfita Yuana Dewi Arielsandy, Elvien Arman Jaya Audisty Prana Hardayu Ayu Umyana Azamahir, Muhammad Nabil Bagus Purmono, Bintoro Barkah Barkah, Barkah Bintoro Bagus Purmono Burhan Chamisyahuri, Chamisyahuri Damsar Daud, Ilzar Depandi Enda Dinhida Eka Fitri Qurniawati Ema Trisnawati Erna Listiana Fahruna, Yulyanti Firdaus, Angelika Fitria Lestari Pujiastuti Ginting, Jusia Amanda Giriati Giriati, Giriati Grace, Michelle Gusti Hardiansyah Harahap, Avelisa Hasanudin Hasanudin Hasanudin Hazlirahman, Fajar Helma Malini Helma Malini, Helma Hermawati, Yuni Hero, Eko Ilmi Farisi Khumaini Indrayani Irene, Novi Irfan Syahyudi Juniwati Juniwati Juniwati Kalis, Maria Christiana Iman Kalista, Lola Khoiriyah, Nisa Ul Latifah Latifah Maharani, Evita Maharani, Puspita Mandala, Miko Maria Christiana Iman Kalis Maulidia, Rahma Muammar Khaddafi Muhammad Afif Muslikhin Mustaruddin nesty eka listiyani Ngurah Suryantara, I Gusti Nur Afifah Nurrahim, Muhammad Fakhri Nurul Komari Okta, Dilla Melinia Oliver, Charli Oprilyani, Adhinda Dwi Pangestu, Adjie Pangestu, Gavin Satria Purmono , Bintoro Bagus Purmono, Bintoro Bagus Putri, Indah Mardini Putri, Shafira Ananda Qurniawati, Eka Fitri Rafles Ginting Rahmaniar, Desi Ramadania Ramadhan Tosepu Ristyawan, M. Ridwan Riyani, Indah Safitri, Cindy Safmi, Ima Kumala Samsudin, Dafrizal Sandrina , Fidela Saputra, Maulid Tommy Sepannur Bandri Setiadi, Galang Simatupang, Ervina C.M. Sofia Sujatmiko, Ary Sulistiowati Sulistiowati Suryana, Refa Syahputri, Anggraini Theodora, Cindy Theresa, Erica Titik Rosnani Tri Wiyono Kurnianto Violin Waldi Wendy Wenny Pebrianti Wulandari, Sukma Yuyun, Yuyun