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All Journal Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Khizanah al-Hikmah : Jurnal Ilmu Perpustakaan, Informasi, dan Kearsipan JBMP (Jurnal Bisnis, Manajemen dan Perbankan) BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks Journal of Economic, Bussines and Accounting (COSTING) Martabe : Jurnal Pengabdian Kepada Masyarakat Almana : Jurnal Manajemen dan Bisnis Jambura Journal of Educational Management MANAJEMEN DEWANTARA Akuntansi : Jurnal Akuntansi Integratif Al-Kharaj: Journal of Islamic Economic and Business Janaka : Jurnal Pengabdian Masyarakat Jurnal Ekonomi Efektif Bima Journal : Business, Management and Accounting Journal COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Prosiding University Research Colloquium PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Imara: Jurnal Riset Ekonomi Islam Academia Open
Muhammad Yani
Program Studi Manajemen, Universitas Muhammadiyah Sidoarjo, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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The The Role of Fintech Financing and Influencer Marketing on the Marketing Performance of MSMEs with Innovation Product as Variables Mediation Muhammad Yani; Sriyono Sriyono; Arbiya Magfiroh Rohmi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.9751

Abstract

This study aims to analyze the effect of FinTech financing and influencer marketing on MSMEs’ marketing performance, with product innovation serving as a mediating variable. The research is motivated by the growing importance of digital financial access and digital marketing strategies in enhancing MSMEs’ competitiveness, as well as the limited integration of digital finance and digital promotion within a single comprehensive conceptual framework. A quantitative approach with explanatory research design was employed. Data were collected through questionnaires distributed to 109 MSME owners who have utilized FinTech financing and influencer marketing strategies. The data were analyzed using Structural Equation Modeling–Partial Least Square (SEM-PLS) with SmartPLS 4.0. The findings indicate that FinTech financing has a positive and significant effect on both marketing performance and product innovation. Influencer marketing does not have a significant direct effect on marketing performance, but it has a positive and significant effect on product innovation. Product innovation significantly enhances MSMEs’ marketing performance. Mediation analysis reveals that product innovation partially mediates the relationship between FinTech financing and marketing performance and fully mediates the relationship between influencer marketing and marketing performance. The R² values indicate strong predictive power, and the model demonstrates high predictive relevance. These findings confirm that digital financial resources and digital promotional strategies do not automatically improve marketing performance unless they are transformed into strategic capabilities through product innovation. This study extends the Resource-Based View (RBV) by integrating digital finance and digital marketing into a resource–capability–performance framework within the MSME context.
Strengthening Financial Working Capital through Fintech Platforms and Product Innovation via Digital Marketing in MSMEs Arbiya Magfiroh Rohmi; Sriyono; Muhammad Yani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.9934

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in economic development; however, many still face challenges in accessing financial services and optimizing digital technology to strengthen their financial capacity. This study aims to analyze the influence of fintech platforms and product innovation on working capital, as well as the mediating role of digital marketing among MSMEs. The research employs a quantitative explanatory approach using survey data collected from 200 food and beverage MSMEs in Sidoarjo Regency, Indonesia. The sampling technique used is purposive sampling based on specific criteria related to fintech usage and digital marketing activities. Data were collected through structured questionnaires using a five-point Likert scale and analyzed using Structural Equation Modeling–Partial Least Square (SEM-PLS) with SmartPLS software. The results show that fintech platforms and product innovation have a positive and significant effect on working capital, while fintech also has a positive and significant influence on digital marketing. Product innovation has a significant but negative effect on digital marketing, and digital marketing shows a significant negative effect on working capital. Furthermore, digital marketing is proven to significantly mediate the relationship between fintech and working capital, but it does not mediate the relationship between product innovation and working capital. These findings indicate that fintech adoption plays a crucial role in strengthening MSMEs’ financial capacity both directly and indirectly through digital marketing activities. The study implies that integrating fintech utilization with digital marketing strategies can support MSME financial sustainability and market expansion. Policymakers and stakeholders are encouraged to enhance digital financial literacy, fintech accessibility, and digital marketing capability among MSMEs to strengthen their competitiveness in the digital economy. Future studies are recommended to include additional variables and broader sectors to further explore the role of digital transformation in MSME performance.
PENGARUH PERCEIVED EASE OF USE, ELECTRONIC TRUST DAN ELECTRONIC SECURITY TERHADAP KEPUTUSAN PENGGUNAAN GOPAY PADA GENERASI Z Sri Wahyuni Romadhon; Alshaf Pebrianggara; Muhammad Yani
MANAJEMEN DEWANTARA Vol 10 No 1 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v10i1.21313

Abstract

This study aims to examine the extent to which perceived ease of use, electronic trust, and electronic security influence Generation Z's decision to use GoPay. The intense competition among digital wallets in Indonesia makes it crucial to understand the factors that influence users' choice of a particular application. This study employed a quantitative method with a descriptive approach, involving 120 respondents who were active GoPay users. Data were obtained through a Likert-based questionnaire and processed using Partial Least Square Structural Equation Modeling (PLS-SEM). The analysis showed that the three variables ease of use, electronic trust, and electronic security had a positive and significant influence on the decision to use GoPay. The ease of understanding the application's display and information (clear and understandable) was a strong factor that encouraged users to feel comfortable making transactions. Furthermore, user trust in the platform also proved to be crucial, particularly the integrity indicator, which is the most decisive aspect in fostering user confidence. Electronic security was also an important consideration, particularly regarding personal data protection, which is a major concern for the younger generation when choosing a digital wallet service. Overall, the study's findings underscore that ease of use, trust, and security are three key aspects influencing Generation Z's decision to use GoPay. These findings are expected to provide input for e-wallet developers to continue improving aspects of user convenience, service transparency, and transaction security.
PERAN KUALITAS PRODUK, SOSIAL MEDIA MARKETING, PERCEIVED VALUE DAN WORD OF MOUTH DALAM MEMBENTUK KEPUTUSAN PEMBELIAN (STUDI PADA KONSUMEN KEDAI RE RAMEN SIDOARJO) Rena Eka Aprilia; Muhammad Yani; Alshaf Pebrianggara
MANAJEMEN DEWANTARA Vol 10 No 1 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v10i1.21424

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kualitas produk, sosial media marketing, perceived value, dan word of mouth terhadap keputusan pembelian konsumen Kedai Re Ramen Sidoarjo. Penelitian ini menggunakan pendekatan kuantitatif dengan populasi konsumen yang pernah melakukan pembelian di Kedai Re Ramen. Teknik pengambilan sampel yang digunakan adalah non-probability sampling dengan metode purposive sampling, dengan kriteria responden berusia >13 tahun, berdomisili di Sidoarjo, serta minimal pernah membeli produk Re Ramen satu kali. Jumlah responden dalam penelitian ini adalah 105 orang. Pengumpulan data dilakukan melalui penyebaran kuesioner yang diukur menggunakan skala Likert. Teknik analisis data menggunakan metode PLS dengan bantuan software SmartPLS 3.0. Hasil penelitian menunjukkan bahwa kualitas produk berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen Kedai Re Ramen Sidoarjo. Sosial media marketing juga terbukti berpengaruh berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen Kedai Re Ramen Sidoarjo. Selain itu, perceived value berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen Kedai Re Ramen Sidoarjo, word of mouth berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen Kedai Re Ramen Sidoarjo.
PENGARUH BRAND SALIENCE, BRAND IMAGE, DAN BRAND TRUST TERHADAP KEPUTUSAN PEMBELIAN PRODUK AMDK MEREK AQUA DI KABUPATEN SIDOARJO Muhammad Sonhaji; Alshaf Pebrianggara; Muhammad Yani
MANAJEMEN DEWANTARA Vol 10 No 1 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v10i2.21801

Abstract

This study examines the effects of brand salience, brand image, and brand trust on purchase decisions of AQUA bottled drinking water among Generation Z consumers in Sidoarjo Regency. Understanding brand-related determinants of purchase decisions is essential amid increasing competition in the bottled water industry and changing consumer behavior among younger generations. This research adopts a quantitative approach using a survey method. Data were collected from 96 Generation Z consumers who had purchased AQUA bottled water, selected through purposive sampling. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 3 to evaluate both the measurement and structural models. The findings reveal that brand salience and brand trust have a positive and significant effect on purchase decisions, while brand image does not exhibit a significant influence. Brand trust shows the strongest effect, indicating its critical role in shaping consumer purchase decisions. These results highlight the importance of strengthening consumer trust to enhance purchasing behavior in the bottled drinking water market.
Analysis of Perceived Quality, Customer Satisfaction, and Customer Experience in Customer Loyalty at the Astra Daihatsu Surabaya workshop Lilik Indayani; Dwi Salsabila Ulfirin; Muhammad Yani
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.473-490

Abstract

Purpose: This study aims to analyze the influence of perceived quality, customer satisfaction, and customer experience on customer loyalty at the Astra Daihatsu Surabaya Workshop. This research is important to identify key factors that can strengthen customer loyalty amid intense competition in the automotive service industry and declining market conditions. Methodology: This research uses a quantitative approach with primary data collected through questionnaires distributed to 100 customers of the Astra Daihatsu Surabaya Workshop using purposive sampling. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS to test validity, reliability, and hypothesis relationships. Results: The results indicate that perceived quality, customer satisfaction, and customer experience have positive and significant effects on customer loyalty. Customer experience shows the strongest influence, followed by perceived quality and customer satisfaction. Findings: The study reveals that customer experience is the most dominant factor in shaping customer loyalty, highlighting the importance of service interactions, comfort, and emotional engagement. Novelty: This research integrates customer experience alongside perceived quality and customer satisfaction as independent variables influencing customer loyalty in the automotive workshop context. Originality: The study positions customer satisfaction as an independent variable and applies the Theory of Planned Behavior to explain customer loyalty behavior. Conclusion: Improving service quality, enhancing customer experience, and maintaining customer satisfaction are crucial strategies for strengthening customer loyalty. Type of Paper: Empirical research article.
Effect of Perceived Ease of Use, Promotion, and Trust on Fashion Product Purchasing Decisions Among Shopee PayLater Users in Sidoarjo sintania fanissa; Alsaf Pebrianggara; Muhammad Yani
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.529-546

Abstract

Purpose: This study aims to analyze the effect of perceived ease of use, promotion, and trust on fashion product purchasing decisions among Shopee PayLater users in Indonesia. Methodology: A quantitative research design was employed by distributing Likert-scale questionnaires to 140 Shopee PayLater users in the Sidoarjo area, selected through purposive sampling. The collected data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0. Results: The results indicate that perceived ease of use has a positive and significant effect on purchasing decisions (T-statistic = 2.234; p-value = 0.026), promotion also shows a positive and significant effect (T-statistic = 6.398; p-value = 0.000), and trust significantly influences purchasing decisions (T-statistic = 2.640; p-value = 0.009). The R-square value of 0.959 demonstrates that perceived ease of use, promotion, and trust jointly explain 95.9% of the variance in purchasing decisions. Findings: The findings confirm that all three variables—perceived ease of use, promotion, and trust—serve as crucial determinants in shaping consumer purchasing behavior within the Buy Now Pay Later ecosystem, with promotion emerging as the most influential factor. Novelty & Originality: The novelty of this study lies in integrating behavioral and promotional factors within the context of Buy Now Pay Later (BNPL) services in fashion e-commerce, a relatively underexplored area in prior research. Its originality emerges from the empirical examination of these specific drivers in the Indonesian BNPL market, offering fresh insights into consumer decision-making processes in the rapidly growing digital payment landscape. Conclusions: These findings contribute theoretically to consumer behavior literature and practically provide insights for e-commerce platforms and fintech providers in formulating strategies to enhance purchasing decisions. Type of Paper: This paper is an empirical research paper.
Pengaruh Promosi, Kemudahan Transaksi, dan Celebrity Endorse Terhadap Keputusan Pembelian Fashion Thrift Pada Marketplace Facebook Muhammad Alvin Fauzi; Mochamad Rizal Yulianto; Muhammad Yani
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol. 17 No. 3 (2025): Special Issue
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/permana.v17i3.1386

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh promosi, kemudahan transaksi, dan celebrity endorse ter­ha­dap keputusan pembelian produk fashion thrift pada mar­ket­place Facebook menggunakan pendekatan kurang­ti­ta­tif asosiatif melalui penyebaran kuesioner kepada para pembeli pakaian bekas. Hasil penelitian menunjukkan bahwa secara parsial maupun simultan, variabel promosi, kemudahan transaksi, dan celebrity endorse berpengaruh positif dan signifikan terhadap keputusan pembelian dengan nilai kontribusi sebesar 73%. Di antara ketiga faktor tersebut, kemudahan transaksi ditemukan sebagai elemen paling dominan karena memberikan jaminan keamanan melalui sistem rekening bersama serta efisiensi dalam proses pemba­yaran. Temuan ini menegaskan bahwa strategi promo­si yang interaktif, sistem transaksi yang praktis, dan penggunaan figur publik yang tepat merupakan kunci utama dalam membangun kepercayaan konsumen serta mendo­rong aktivitas belanja di platform digital.
Pengaruh Persepsi Manfaat, Kepercayaan, dan Ulasan Pengguna Terhadap Loyalitas Konsumen Tokopedia Muhammad Alan Fakhrul Ardi; Mochamad Rizal Yulianto; Muhammad Yani
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol. 17 No. 3 (2025): Special Issue
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/permana.v17i3.1476

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh persepsi manfaat, kepercayaan, dan ulasan pengguna terhadap loyalitas konsumen pada platform e-commerce Tokopedia. Penelitian menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui kuesioner kepada 96 responden yang merupakan pengguna Tokopedia. Analisis data dilakukan menggunakan metode Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa persepsi manfaat, kepercayaan, dan ulasan pengguna berpengaruh positif dan signifikan terhadap loyalitas konsumen, baik secara parsial maupun simultan. Kepercayaan dan persepsi manfaat menjadi faktor dominan dalam meningkatkan loyalitas karena berkaitan dengan rasa aman, kenyamanan, serta nilai guna yang dirasakan konsumen saat bertransaksi. Sementara itu, ulasan pengguna berperan dalam memperkuat keyakinan konsumen sebelum melakukan pembelian. Temuan ini mengimplikasikan bahwa peningkatan loyalitas konsumen dapat dilakukan melalui penguatan sistem keamanan, optimalisasi fitur layanan, serta pengelolaan ulasan yang transparan dan kredibel guna menjaga hubungan jangka panjang dengan konsumen.
Co-Authors Adelia Salsabila Rachma Adinda Rachmanillah Aisha Hanif Aldi Dwi Mahendra Alsaf Pebrianggara Alshaf Pebrianggara Arbiya Magfiroh Rohmi Artiva Cahya Aisyah Putri Bobur Sobirov Devi agustina Dhea Ariesta Putri Dhinda Meidita Setiandayani Didik Hariyanto Dwi Salsabila Ulfirin Dyah Suryani Ferry Adhi Dharma Galuh Ratmana Hanum Khafidzotul Ilmah Lilik Indayani M. Andi Fikri Mas Oetarjo Mashudi Mashudi Maulana Hila Julian Salasa Misti Hariasih Moch Ari Oktaviani Moch Fani Andrian Mochamad Rizal Yulianto Muhammad Abror Muhammad Alan Fakhrul Ardi Muhammad Alvin Fauzi Muhammad Sonhaji Nihlatul Qudus SN Nur Laili Maulidiyah Nur Maghfira Aesthetika Nur Ravita Hanun Poppy Febriana Putri Sekar Kinasih Rena Eka Aprilia Reni Oktavia Renny Oktafia Rita Ambarwati Sinta Nur Sa'idah sintania fanissa Sri Wahyuni Romadhon Sriyono Sumartik Surya Farhan Permadi Totok Wahyu Abadi Umdatul Umah