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All Journal Jurnal Gizi dan Pangan Jurnal Manajemen dan Organisasi Jurnal Penyuluhan Jurnal Manajemen dan Agribisnis Cakrawala Pendidikan Economic Journal of Emerging Markets MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Sosiohumaniora Jurnal Konseling dan Pendidikan Jurnal Keuangan dan Perbankan Jurnal Wira Ekonomi Mikroskil Gadjah Mada International Journal of Business JAM : Jurnal Aplikasi Manajemen Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Journal of Family Science Journal of Consumer Science Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat MIX : Jurnal Ilmiah Manajemen Binus Business Review Jurnal Bisnis dan Manajemen Jurnal Manajemen Indonesia Jurnal Studi Manajemen dan Bisnis Journal of Consumer Sciences Jurnal Ilmu Keluarga dan Konsumen Jurnal Riset Ekonomi dan Bisnis TIJAB (The International Journal of Applied Business) Tadbir Muwahhid Agrisocionomics: Jurnal Sosial Ekonomi Pertanian Jurnal Entrepreneur dan Entrepreneurship (JEE) Jurnal Perilaku dan Strategi Bisnis Jurnal Doktor Manajemen (JDM) Maker: Jurnal Manajemen Jurnal Manajemen BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi Asian Management and Business Review ASEAN Marketing Journal Buletin Psikologi Journal of Child, Family, and Consumer Studies Policy Brief Pertanian, Kelautan, dan Biosains Tropika Media Gizi Pangan International Research Journal of Business Studies Benefit: Jurnal Manajemen dan Bisnis Jurnal Pengabdian Masyarakat Inovasi Indonesia
Megawati Simanjuntak
Department Of Family And Consumer Sciences, Faculty Of Human Ecology, IPB University Gedung FEMA W1 - L2., Kampus IPB Dramaga, Jalan Kamper, Babakan, Kec. Dramaga, Bogor, Jawa Barat 16680
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Neuroscience Nursing Public Health Social Sciences Other

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Consumer Protection in the Retail and Financial Services Sectors against the Practice of Exoneration Clauses Anna Maria Tri Anggraini; Megawati Simanjuntak; Arief Safari; Rizal E. Halim; Slamet Riyadi
Journal of Consumer Sciences Vol. 7 No. 2 (2022): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Social and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.7.2.83-96

Abstract

The rapid development of the business world has resulted in several changes to business actors in carrying out their business activities. This encourages the emergence of standard agreements as practicality in conducting transactions. This study aims to analyze consumer protection law and apply the principles of freedom of contract in standard agreements in online and retail financial services businesses—the descriptive qualitative method with data collection techniques using in-depth interviews and documentation studies. Informants were selected by purposive sampling. The results show that standard clauses have been regulated in Article 18 of the Consumer Protection Law. However, in practice, clauses are still found that violate and transfer responsibility to the detriment of consumers. Furthermore, regarding consumer dispute resolution, there is an overlap issue between the Financial Services Authority (OJK) and the Consumer Dispute Resolution Agency (BPSK). Therefore, if viewed from the principle of freedom of contract, the standard agreement cannot fulfill the principle of freedom of contract, and consumer protection, so especially in the financial services sector and retail, needs to increase preventive and repressive supervision by providing several alternatives dispute resolutions for disadvantaged consumers.
Understanding Purchase Intentions and Decisions for Isotonic Beverages: The Role of Motivation, Lifestyle, and Word of Mouth Megawati Simanjuntak; Virna Keryn Patricia Hutajulu
Jurnal Perilaku dan Strategi Bisnis Vol. 12 No. 2 (2024): Agustus
Publisher : Universitas Mercu Buana Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26486/jpsb.v12i2.4428

Abstract

One way to maintain fluid balance in the body is by consuming isotonic beverages. This study aims to analyze the influence of motivation, lifestyle, and word of mouth on purchase intention, as well as the influence of motivation, lifestyle, word of mouth, and purchase intention on the purchase decision for isotonic beverages. The study employed a non-probability sampling method with a census technique. The research population consisted of students participating in 10 sports extracurricular organizations (UKM). Data were collected through a survey using questionnaires distributed to 225 student members of sports UKM. Data analysis was conducted using SPSS and SEM. The results of the study indicate that motivation, lifestyle, and word of mouth have a significant positive effect on purchase intention. Furthermore, the findings also show that motivation, lifestyle, and purchase intention significantly influence the purchase decision for isotonic beverages.
Digital Payment Loyalty Across Generations: Evidence from QRIS Users Anisya Rahmelia; Mimin Aminah; Megawati Simanjuntak
Jurnal Manajemen Vol. 30 No. 2 (2026): June 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v30i2.3795

Abstract

The rapid expansion of digital payment systems has accelerated the transition toward a cashless ecosystem in Indonesia, particularly through the adoption of the Quick Response Code Indonesian Standard (QRIS). However, limited studies examine how digital payment loyalty is formed. This study analyzes the determinants of QRIS usage loyalty while providing insights into variations across user groups. Data were collected from 175 QRIS users in the Jabodetabek region using an online survey and analyzed with Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that perceived ease of use, loyalty programs, and cashless society orientation positively influence trust, which in turn enhances user satisfaction. Satisfaction is identified as the strongest predictor of QRIS usage loyalty. The findings indicate that variations in user responses are reflected in the strength of relationships rather than fundamental structural differences.
Co-Authors Abdul Hakim Adam Sugiharto Aditya Nugraha Adiwinata, Novie Nostalgia Adriansyah Agil Pratama Agus Maulana Ajeng Nugrahaning Dewanti Akmalia, Laely Rahmawati Alexander Joseph Ibnu Wibowo Ali Khomsan Alla Asmara Alsyah, Aurelia Vania Am, M. Ro’is Amalia Khairati Ambar Susan Rosifa Amelia, Reggina Aminah, Mimin Amir Fikri Ammi Salamah Ananda Khairana Andhika Safaat Andini , Putri Fildzah Andini, Putri Fildzah Andre Fachrun Ramadhan Andreas Samudro Anggi Mayang Sari Ani Ruwani, Ani Anisya Rahmelia Anna Maria Tri Anggraini Annisa Ikhwanus Annisa Nisrina Insyiroh Anton Nugroho Anton Nugroho Aprilia, Nurazizah Arief Safari Arthur, Kevin Michael Asep Taryana Asvianti Handaru Wulan Aufa Hayya Qurrota A'yuni Ayu Arba Zaman Ayu Marlika Leni Putri, Ayu Marlika Leni Azizah, Sheila Nur Azzara, Rana Chyntia Baehaqi Bagus Sartono Baihaqi, Ihsan Banafie, Syahfira Berti Kumalasari Berti Kumalasari Budi Suharjo Budiarti, Raden Rara Arifah Mulyo Deni Surya Kencana Devi Rahmawati Dewantara, Muhammad Mardi Dewi, Santi Utami Diah Krisnatuti Diah Krisnatuti Diana Hartatin Diana Hartatin, Diana Dini Queentasari Dwi Hastuti Eko Ruddy Cahyadi Emy Rosiana Euis Sunarti Eva Z Yusuf Eva Z Yusuf Fadhillah, Muhammad Daffa Yafie Fakhira, Nisrina Nur Famila, Shanina Rosa Fandi Yanuar Rahman Febrian, Defni Fibria Mustikarini, Fibria Fitri , Ismaul Fitri Lutfiani Fulan Sri Utami, Fulan Sri Gilar Cahya Nirmaya, Gilar Cahya Gina Fithria Gita Fahmi Lestari Goranda, Iqra Rizky Gufron, R Ery Bunyamin Hafizh Akbar Hamimi, Ulfa Khairunnisa Hanggrita, Elvindia Puja Hanum Fauziah Ramadhanti Hanum Rachmawati Nur Hartoyo Hartoyo Hayati Hayati Hayati Hendri Tanjung Henny Rochany Heny Kuswanti Suwarsinah Heppy Setiawati Herien Puspitawati Heti Mulyati Iffa Afia Amin Kitabi Imam Teguh Saptono Imam Teguh Saptono Indah Sukmawati Indri Nurfitriani Ine Rahmatin Intan Ika Putri Heryani Iqra Rizky Goranda Iqra, Iqra Rizky Goranda Irma Awwaliyah Irni Rahmayani Johan Istiqlaliyah Muflikati Istiqlaliyah Muflikhati Jinan , Ariana Amany Kevin Michael Arthur Khanifa Fajria Kirbrandoko Kirbrandoko Latifatul Hayati Leo Candra Kirana Lia Shafira Arlianty Lilik Noor Yuliati Lutfi Sri Legowo Utami m, Istiqlaliyah M. Syamsul Maarif Machfud Machfud Mahanani , Raditya Kasih Mahanani, Raditya Kasih Maulidina, Avia Mayong Ajiwinanto Melly Latifah Moh. Djemdjem Djamaludin Mohamad Djemdjem Djamaludin Mohamammad Nasarullah Monika Yuliantin Muhammad Hafiz Fazli Muhammad Mardi Dewantara Muhammad Rizal Martua Damanik Muhammad, Larastyan Yang Bogaan Mukhamad Najib Nafila, Nidya Luthfi Nandike Ayudiah Poeteri Nani, Irvan Neneng Nurul Sopiah, Neneng Nurul Nimmi Zulbainarni Ninuk , Purnaningsih Noor Yuliati, Lilik Novita Kamaruddin Novsa Fakhira Nur Hasanah Nur Hasanah Nur Rochimah Nurdewi Azizah Safitri Nurfadillah, Mursidah Nurhamidah Ray Nurina Laili Izzati Oktriyanto Oktriyanto, Oktriyanto Olivia Sabrina, Olivia Palowa , Nur Luthfiah Pang Asngari Pang S Asngari Pang S Asngari Pangestu, Andaru Dwi Pangestu, Frishe Maulidiannisa Panji Septiaji Panji Septiaji Perangin-Angin, Fini Anjela Poeteri, Nandike Ayudiah Popong Nurhayati Prabowo Tjitropranoto Prakoso , Yuda Surya Pramesty, Dinta Windyaning Pranadya Tania Putri Pratiwi Ismayanti, Pratiwi Priliadita Hidayanti Pujianti, Ajeng Pujowati, Penny Putra, Occa Adeta Bima Putri, Aisyah Puspita Putri, Marietta Krisnaya Nandika Putri, Pranadya Tania Qisthy Nur Fathia Rahayu, Ismie Leona Rahma Indina Harbani Rahmawati, Laeli Rahmi Parhati Rahmi, Fauzia Ramos, Ivan Rani Andriani Budi Kusumo Reni Annisa Resty Anugrah Kusmarini Restystika Dianeswari Retnaningsih Retnaningsih Retnaningsih Rico J. Artanto Risda Rizkillah, Risda Riska Rahma Eka Putri Ristya Primadi Rita Nurmalina Rizal E. Halim Rizal Edy Halim Rossalia, Deasy Rumbiati, Rumbiati Ryan Tegar Pamungkas Sadewa , Novandi Aldi Safari , Arif Safari, Arief Saleh, Andika Januar Salsabila Azka Pelitaputri Salsabila, Farhah Azizah Samosir, Miracle Samuel Saniyya, Raisha Ulfa Sarifudin sarifudin, Sarifudin Shahirah, Ilfia Sisca Elfiyani Siska Ayu Tiara Dewi Siska Nurhalisa Siti Aisyah Siti Editha Raisa Sitompul, Firdaus Marihot Slamet Riyadi Slamet Riyadi Sofyan Sjaf Sonya Dwi Rachmawati Sonya Dwi RachmawatiI Sri Anna Marliyati Sri Harijati Sri Rezki Utami Sugiarto, Indra Surya, Mulyana Susanti, Vonny Syaprudin, R. Syarifa , Rizka Syarifa Nadhrah Mustamin Syarifa, Rizka Syifa Salsabila Sylvianti Angraini Tanti Novianti Tegar Graha Adiwiguna Tiffani Dias Anggraeni Tin Herawati Ujang Sumarwan Utami, Sri Pangesti Venti Sanditya Septiana, Venti Sanditya Virna Keryn Patricia Hutajulu Vonny Susanti Wahpiyudin , Cep Abdul Baasith Wahpiyudin, Cep Abdul Baasith Wandani, Dwi Yandri Yudha Heryawan Asnawi Yulina Eva Riany Yulina Eva Riany Yulina Eva Riany Yurita Yurita Yusuf, Eva Z Zahro Malihah Zaky , Abdullatif Zefanya, Harita Julie Zikri, Zikri Zulfa Maulida Nadzir Zuliyanti Shabrina