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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis BULETIN AL-RIBAATH JURNAL PRODUKTIVITAS Economics and Business Journal Electronic Journal of Education, Social Economics and Technology
Sukardi Sukardi
Universitas Muhammadiyah Pontianak
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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The Influence Of Price And Product Quality On Customer Loyalty With Satisfaction As An Intervening Variable Among Telkomsel Card Users At Muhammadiyah University Of Pontianak Lyra Virna Sari; Muhammad Ebuziyya Alif Ramadhan; Sukardi Sukardi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 1 (2026): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i1.8951

Abstract

This study aims to investigate the influence of price and product quality on customer loyalty, with customer satisfaction serving as an intervening variable, among users of Telkomsel prepaid cards. The research adopts an associative approach, involving a total of 100 active students of Muhammadiyah University of Pontianak who use Telkomsel prepaid cards as respondents. The data analysis technique employed is Structural Equation Modeling (SEM), using the SmartPLS 3.0 software.The results of the direct hypothesis testing reveal that both price and product quality have a positive and significant effect on customer satisfaction. Additionally, both customer satisfaction and price have a positive and significant effect on customer loyalty. However, product quality does not have a direct positive and significant effect on customer loyalty. Furthermore, the indirect hypothesis testing indicates that both price and product quality significantly influence customer loyalty through customer satisfaction as a mediating variable.
The Influence of Perceived Benefit, Perceived Ease of Use, and Perceived Security on GoPay User Satisfaction: A Case Study of Students at Universitas Muhammadiyah Pontianak Nazarullah Nazarullah; Sukardi Sukardi
Electronic Journal of Education, Social Economics and Technology Vol 7, No 1 (2026)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v7i1.1299

Abstract

This study aims to analyze the effect of perceived benefit, perceived ease of use, and perceived security on GoPay user satisfaction among students of Universitas Muhammadiyah Pontianak. The study employs a quantitative approach with an associative design. Data were collected through the distribution of questionnaires using a Likert scale to 100 respondents selected using purposive sampling, with the criteria that respondents were students who had used GoPay at least once. Data were analyzed using instrument testing, classical assumption tests, and multiple linear regression analysis. The results show that simultaneously perceived benefit, perceived ease of use, and perceived security have a positive and significant effect on GoPay user satisfaction. Partially, all three variables also have a significant effect, with perceived security being the most dominant variable, followed by perceived ease of use and perceived benefit. The research model is able to explain more than half of the variation in user satisfaction, indicating that these three factors are important determinants in shaping the user experience of digital wallet services. These findings provide a theoretical contribution by strengthening the understanding that fintech user satisfaction is formed by simultaneous evaluations of benefits, ease of use, and security. Practically, the results can serve as a basis for GoPay service providers to prioritize strengthening security aspects without neglecting ease of use and perceived benefits. Future research is recommended to include additional variables and to expand the research objects and respondent characteristics in order to enrich studies on user satisfaction in digital payment services.
The Influence of User Satisfaction and Perceived Security on the Intention to Use QRIS Merchant among MSMEs in Kubu Raya Regency Sukardi Sukardi
Electronic Journal of Education, Social Economics and Technology Vol 7, No 1 (2026)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v%vi%i.1307

Abstract

This study aims to analyze the influence of user satisfaction and perceived security on the intention to use QRIS merchant among MSMEs in Kubu Raya Regency. The research employs a quantitative approach with an associative design. The population consists of all MSME actors using QRIS merchants in Kubu Raya Regency totaling 47,100 merchants. The sample size was determined using the Slovin formula with a 10% margin of error, resulting in 100 respondents selected through purposive sampling with the following criteria: active QRIS merchants, having used QRIS for at least three months, and directly involved in managing business transactions. Primary data were collected through questionnaires distributed to MSME actors using QRIS merchants, while secondary data were obtained from official publications related to the development of QRIS merchants. Data analysis was conducted using SPSS through instrument testing (validity and reliability), classical assumption tests (normality, linearity, and multicollinearity), and multiple linear regression. The results show the regression equation Y = 1.516 + 0.263X₁ + 0.248X₂, with a correlation coefficient R = 0.580 (moderate relationship) and a coefficient of determination R² = 0.337, meaning that 33.7% of the variation in intention to use is explained by user satisfaction and perceived security. The simultaneous test indicates that user satisfaction and perceived security jointly have a significant effect on intention to use. The partial test indicates that user satisfaction and perceived security have a positive and significant effect on intention to use. In conclusion, improving the quality of user experience and strengthening transaction security aspects are key factors in maintaining the sustainability of QRIS merchant usage among MSMEs in Kubu Raya Regency.
The Effect of Service Quality and Sales Promotion on Consumer Loyalty at Ihsan Mart in Kubu Raya Sukardi Sukardi; Fauziah Munawaroh; Muhammad Ebuziyya Alif Ramadhan
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.447

Abstract

This study aims to analyze the effect of service quality and sales promotion on consumer loyalty at Ihsan Mart in Kubu Raya. This study used an associative quantitative approach with 100 respondents selected through purposive sampling. Data were collected using questionnaires with a five-point Likert scale and analyzed using multiple linear regression with the assistance of SPSS. The results show that service quality and sales promotion have positive and significant effects on consumer loyalty, both partially and simultaneously. The regression results indicate that sales promotion has a greater contribution than service quality in increasing consumer loyalty. However, the coefficient of determination shows that service quality and sales promotion explain 16.3% of consumer loyalty, while the remaining 83.7% is influenced by other factors outside this study. These findings imply that local retail management should not only improve service quality and sales promotion programs, but also consider other factors such as customer satisfaction, product quality, price competitiveness, store atmosphere, and consumer trust to strengthen long-term consumer loyalty.
Co-Authors Anggun Permata Sari Anjiardiansyah Anjiardiansyah Arini Arini Astri Djuraida Dani Setiawan Devi Yasmin Diana Diana Dita Afrila Edy Suryadi Fauziah Munawaroh Fikriansyah Fikriansyah Helman Fachri Lyra Virna Sari Muhammad Ebuziyya Alif Ramadhan Nazarullah Nazarullah Ricky Ramadhan Zulkifli Zulkifli