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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis JAM : Jurnal Aplikasi Manajemen Indonesian Journal of Business and Entrepreneurship (IJBE) EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Jurnal Abadimas Adi Buana Indonesian Journal of Learning Education and Counseling JURNAL MANAJEMEN BISNIS Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Jurnal Entrepreneur dan Entrepreneurship (JEE) International Journal of Economics, Business and Accounting Research (IJEBAR) Business Management Journal Program Studi Manajemen Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Performa: Jurnal Manajemen dan Start-up Bisnis JMK Jurnal Manajemen dan Kewirausahaan Journal of Economics and Business UBS Jurnal Pengabdian dan Kewirausahaan Nusantara Hasana Journal Journal Research of Social Science, Economics, and Management Eduvest - Journal of Universal Studies Jurmas Azam Insan Cendikia Jurnal Pengabdian Barelang Pengabdian Pendidikan Indonesia (PPI) JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Jurnal Riset Manajemen
Yuli Kartika Dewi
Universitas Ciputra Surabaya
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Neuroscience Nursing Public Health Social Sciences Other

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Building Positive Word Of Mouth: The Strategic Role Of Customer Value And Trust In Tax Consulting Services Pertiwi, Mutiara; Dewi, Yuli Kartika; Herdinata, Christian
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 4 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i4.10782

Abstract

This study aims to empirically examine the influence of Customer Value and Trust on Word of Mouth (WOM) in the context of tax consulting services in Mojokerto, East Java. Using a quantitative approach and survey of 180 corporate taxpayers, this research analyzes the contribution of each variable to WOM after the consumption of tax consulting services. The results show that both Customer Value and Trust have a significant effect on WOM, both directly and through Trust as a mediating variable. The research model demonstrates strong predictive power with an R-Squared value for WOM of 0.896 and a Goodness of Fit of 0.796. The practical implication of this research is the importance for tax consulting firms to enhance customer value and build trust through high-quality service, transparency, and competence. These findings are expected to serve as a reference for companies, taxpayers, governments, and researchers on organic marketing strategies based on Word of Mouth in tax consulting services.
Pengaruh Perceived of Ease Use, Perceived of Usefulness, dan Brand Image terhadap Intensi Menggunakan Kembali Pinjaman Digital GrabModal Narik (Powered by Julo) Oleh Mitra Driver Grab Sukisman, Joanne Mareris; Dewi, Yuli Kartika; Haryono, Cosmas Gatot
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 4 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i4.10907

Abstract

Perkembangan fintech telah memberikan akses yang lebih luas terhadap layanan keuangan bagi pekerja informal, termasuk mitra driver Grab. GrabModal Narik (Powered by Julo) merupakan layanan kredit digital yang ditawarkan untuk membantu memenuhi kebutuhan finansial mendesak dan modal operasional harian driver. Penelitian ini bertujuan untuk menganalisis pengaruh Perceived Ease of Use, Perceived Usefulness, dan Brand Image terhadap Continued Usage Intention dalam penggunaan kembali layanan GrabModal Narik. Penelitian ini menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada 137 mitra driver Grab yang pernah menggunakan layanan tersebut, dan pemilihan sampel dilakukan dengan teknik purposive sampling. Data dianalisis menggunakan regresi linier berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa ketiga variabel independen memberikan pengaruh yang signifikan terhadap Continued Usage Intention, baik secara relatif maupun simultan. Perceived Ease of Use menjadi variabel yang paling dominan mempengaruhi penggunaan ulang dengan kontribusi 24,6%, diikuti oleh Brand Image sebesar 21,3% dan Perceived Usefulness sebesar 13,4%. Secara simultan, ketiga variabel mampu menjelaskan 59,3% variasi intensi penggunaan kembali layanan kredit digital ini. Temuan tersebut menegaskan bahwa keberlanjutan penggunaan fintech oleh mitra driver sangat dipengaruhi kombinasi kemudahan penggunaan aplikasi, manfaat yang dirasakan secara langsung, serta kepercayaan terhadap merek penyedia layanan. Implikasi manajerial dari penelitian ini menekankan pentingnya peningkatan kualitas pengalaman pengguna, optimalisasi fitur aplikasi, serta strategi komunikasi merek yang meningkatkan rasa aman dan loyalitas pengguna.
Entrepreneurial Marketing Strategies in the Tourism Industry Widodo, Aghnia Kamila; Dewi, Yuli Kartika; Yahya, Nashwa Aulia
Jurnal Entrepreneur dan Entrepreneurship Vol. 15 No. 1 (2026): Jurnal Entrepreneur dan Entrepreneurship
Publisher : Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/jee.v15i1.6269

Abstract

This study examined how entrepreneurial digital marketing through YouTube travel influencers influences visit intention among Generation Z and Millennial tourists in Indonesia, with trust acting as an underlying psychological mechanism. The study addressed the growing role of influencers as digital entrepreneurs who create value and shape tourism-related decision-making. A quantitative research design was employed using survey data collected from 138 Generation Z and Millennial respondents in Indonesia who had prior travel experience and exposure to YouTube travel influencer content. Data were analyzed using Partial Least Squares - Structural Equation Modeling (PLS-SEM) to test the relationships among homophily, perceived expertise, trust, and visit intention. The findings indicated that homophily and perceived expertise significantly influence trust toward YouTube travel influencers. Homophily emerged as the strongest direct determinant of visit intention, while trust did not exert a significant direct effect. These results demonstrate that social similarity and emotional identification function as key entrepreneurial mechanisms in influencer-based tourism marketing, rather than purely rational or informational factors. The study characterizes YouTube travel influencers as digital entrepreneurs who generate marketing value through social similarity and perceived knowledge from an entrepreneurial marketing viewpoint.
A Modified TAM for Gen Z Investors: Integrating Financial Literacy as a Mediator Winata, Debora Gracilia; Dewi, Yuli Kartika
JMK (Jurnal Manajemen dan Kewirausahaan) Vol 11 No 2 (2026): May
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/jmk.v11i2.8273

Abstract

This study investigates the determinants affecting the adoption of the Ajaib investment application among Generation Z in Java, employing an adapted Technology Acceptance Model (TAM) that incorporates financial literacy as a mediating variable. The research employs a quantitative methodology with purposive sample of 138 active users and analyzes the data using Partial Least Squares (PLS), revealing that Perceived Ease of Use and Perceived Usefulness significantly improve Financial Literacy. Moreover, Financial Literacy significantly influences both Attitude Toward Using and Behavioral Intention to Utilize the application. The research confirms the mediation function of Financial Literacy, connecting technical variables with user attitudes and intents. The results support the improvement of the TAM model by emphasizing the significance of financial literacy in the adoption of digital investing platforms. It underscores the necessity for application developers and policymakers to enhance usability and financial literacy to boost user engagement, pinpointing Perceived Usefulness, Perceived Ease of Use, and Financial Literacy as critical factors influencing Generation Z's adoption of digital investment tools.
Building Positive Word Of Mouth: The Strategic Role Of Customer Value And Trust In Tax Consulting Services Mutiara Pertiwi; Yuli Kartika Dewi; Christian Herdinata
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 4 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i4.10782

Abstract

This study aims to empirically examine the influence of Customer Value and Trust on Word of Mouth (WOM) in the context of tax consulting services in Mojokerto, East Java. Using a quantitative approach and survey of 180 corporate taxpayers, this research analyzes the contribution of each variable to WOM after the consumption of tax consulting services. The results show that both Customer Value and Trust have a significant effect on WOM, both directly and through Trust as a mediating variable. The research model demonstrates strong predictive power with an R-Squared value for WOM of 0.896 and a Goodness of Fit of 0.796. The practical implication of this research is the importance for tax consulting firms to enhance customer value and build trust through high-quality service, transparency, and competence. These findings are expected to serve as a reference for companies, taxpayers, governments, and researchers on organic marketing strategies based on Word of Mouth in tax consulting services.
Pengaruh Perceived of Ease Use, Perceived of Usefulness, dan Brand Image terhadap Intensi Menggunakan Kembali Pinjaman Digital GrabModal Narik (Powered by Julo) Oleh Mitra Driver Grab Joanne Mareris Sukisman; Yuli Kartika Dewi; Cosmas Gatot Haryono
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 4 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i4.10907

Abstract

Perkembangan fintech telah memberikan akses yang lebih luas terhadap layanan keuangan bagi pekerja informal, termasuk mitra driver Grab. GrabModal Narik (Powered by Julo) merupakan layanan kredit digital yang ditawarkan untuk membantu memenuhi kebutuhan finansial mendesak dan modal operasional harian driver. Penelitian ini bertujuan untuk menganalisis pengaruh Perceived Ease of Use, Perceived Usefulness, dan Brand Image terhadap Continued Usage Intention dalam penggunaan kembali layanan GrabModal Narik. Penelitian ini menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada 137 mitra driver Grab yang pernah menggunakan layanan tersebut, dan pemilihan sampel dilakukan dengan teknik purposive sampling. Data dianalisis menggunakan regresi linier berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa ketiga variabel independen memberikan pengaruh yang signifikan terhadap Continued Usage Intention, baik secara relatif maupun simultan. Perceived Ease of Use menjadi variabel yang paling dominan mempengaruhi penggunaan ulang dengan kontribusi 24,6%, diikuti oleh Brand Image sebesar 21,3% dan Perceived Usefulness sebesar 13,4%. Secara simultan, ketiga variabel mampu menjelaskan 59,3% variasi intensi penggunaan kembali layanan kredit digital ini. Temuan tersebut menegaskan bahwa keberlanjutan penggunaan fintech oleh mitra driver sangat dipengaruhi kombinasi kemudahan penggunaan aplikasi, manfaat yang dirasakan secara langsung, serta kepercayaan terhadap merek penyedia layanan. Implikasi manajerial dari penelitian ini menekankan pentingnya peningkatan kualitas pengalaman pengguna, optimalisasi fitur aplikasi, serta strategi komunikasi merek yang meningkatkan rasa aman dan loyalitas pengguna.
Knowledge About AI and Online Purchase Intention Among Gen Z: a Multi-Group Gender Analysis Dewi Mustikasari Immanuel; Yuli Kartika Dewi; Aria Ganna Henryanto; Clivyne Eugenia Charles
Indonesian Journal of Business and Entrepreneurship Vol. 12 No. 2 (2026): IJBE, Vol. 12 No. 2, May 2026
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.12.2.254

Abstract

Background: The rapid integration of artificial intelligence (AI) into e-commerce has transformed how consumers interact with online shopping platforms, particularly among Generation Z, who exhibit high digital literacy and strong acceptance of emerging technologies. Despite the growing adoption of AI-driven features, empirical findings regarding how AI knowledge influences purchase intention remain inconclusive, especially when perceptual factors and gender differences are considered.Purpose: This study aims to examine the effect of knowledge about artificial intelligence on Generation Z’s online purchase intention, with perceived usefulness and perceived ease of use of AI as mediating variables, and to investigate the moderating role of gender in these relationships.Design/methodology/approach: A quantitative, cross-sectional research design was employed, employing purposive sampling. Data were collected from 200 Generation Z consumers in Indonesia through an online questionnaire. The measurement items were assessed using a five-point Likert scale. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM), including mediation testing and multi-group analysis to evaluate gender moderation.Findings/Results: The results indicate that knowledge of AI significantly influences perceived usefulness and perceived ease of use. Both perceived usefulness and perceived ease of use have positive and significant effects on purchase intention and function as mediators in the relationship between AI knowledge and purchase intention. However, the multi-group analysis reveals that gender differences were not significant in this study.Conclusion: The findings suggest that AI knowledge influences purchase intention both directly and indirectly through perceived usefulness and perceived ease of use. Strengthening AI literacy and designing user-friendly, value-oriented AI features are therefore essential to enhance Generation Z’s purchase intention in online shopping environments.Originality/value (State of the art): This study extends the Technology Acceptance Model (TAM) by positioning AI knowledge as a cognitive antecedent of purchase intention through perceptual mediators, while simultaneously testing gender dynamics using multi-group analysis. The research provides novel insights into AI-driven consumer behavior among Generation Z in an emerging market context. Keywords:   artificial intelligence, knowledge about ai, perceived usefulness, perceived ease of use, purchase intention
The Mediating Role of Process Stability in the Relationship Between Supply Performance and Product Quality Consistency Among SMES in Japing Rendi Ferdiansyah; Bisma Jatmika Tisnasasmita; Yuli Kartika Dewi
Journal of Economics and Business UBS Vol. 15 No. 3 (2026): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/r5388v12

Abstract

Product quality inconsistency is still a major challenge for food MSMEs due to high dependence on raw material supply and semi-manual production processes. This study aims to analyze the mediating role of process stability in the relationship between supply performance and product quality consistency in JAPA MSMEs. The research uses a quantitative approach supported by production operational data. Initial research used 120 production batches; after data screening for outliers, 90 observations were used in the final analysis. Data were analyzed using linear regression, path analysis, and Sobel tests. The results show that supply performance has a significant effect on process stability, but the direction of the influence is negative, so H1 is not supported. Process stability has a positive effect on product quality consistency, while supply performance does not directly affect product quality consistency. The Sobel test shows that process stability mediates the relationship between supply performance and product quality consistency. These findings confirm that improving the quality of food MSME products cannot be achieved solely through improving supply but requires strengthening the stability of the production process.
NM Auto Shop Marketing Strategy: An Analysis of Service Quality and Price Fairness in Building Customer Loyalty Eric Anthonio; Metta Padmalia; Yuli Kartika Dewi
Eduvest - Journal of Universal Studies Vol. 6 No. 6 (2026): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v6i6.53273

Abstract

This research aims to analyze the influence of Service Quality and Price Fairness on Customer Loyalty through a dual mediation model involving Customer Satisfaction and Customer Trust, while comparing the effectiveness of transactional learning and relational learning pathways in building loyalty within an independent workshop context. A quantitative explanatory cross-sectional design was employed. Data were collected from customers who had visited Bengkel NM at least twice within the preceding eighteen months using purposive sampling, and were analyzed through Partial Least Squares Structural Equation Modeling. The findings reveal that Service Quality has a positive and significant direct effect on Customer Satisfaction, Customer Trust, and Customer Loyalty, while Price Fairness is only proven to significantly influence Customer Trust. The direct effect of Price Fairness on Customer Loyalty was not significant. Although all four specific mediation paths were individually non-significant, Service Quality was proven to operate through aggregate mediation, categorized as complementary partial mediation, whereas Price Fairness demonstrated a non-mediation pattern. The novelty of this research lies in testing a dual mediation model that simultaneously compares satisfaction and trust pathways within the context of an Indonesian independent workshop with premium pricing characteristics. The findings indicate an evaluative fusion phenomenon between Customer Satisfaction and Customer Trust, suggesting that in services characterized by high technical information asymmetry, customers tend to merge satisfaction and trust evaluations into a single holistic assessment, rendering the independence of both pathways unverifiable through cross-sectional design.
The Effect of Service Quality and Trust on Repurchase Intentions, Mediated by Consumer Satisfaction in the Multifinance Industry Cittadhi Astridewi Nirmala; Damelina Basauli Tambunan; Yuli Kartika Dewi
Journal Research of Social Science, Economics, and Management Vol. 5 No. 12 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i12.1554

Abstract

The automotive financing sector, particularly used car financing, plays a strategic role in Indonesia’s financial services industry. Amid increasingly intense competition among multifinance companies, retaining repeat customers has become a major challenge. This study aims to analyze the influence of service quality and trust on repurchase intention, with customer satisfaction acting as a mediating variable, among repeat financing customers at conventional multifinance companies. The study employed a quantitative associative approach using the PLS-SEM method with SmartPLS software. Data were collected from 100 purposively selected respondents who had completed at least one prior vehicle financing contract. The findings indicate that service quality does not significantly influence customer satisfaction or repurchase intention. In contrast, trust has a positive and significant effect on customer satisfaction, although its direct effect on repurchase intention is not statistically significant. Furthermore, customer satisfaction does not significantly mediate the relationship between service quality and repurchase intention, but it significantly mediates the relationship between trust and repurchase intention. These findings suggest that repeat financing customers in conventional multifinance companies tend to prioritize relational factors such as trust, transparency, and a sense of security rather than operational service quality alone. This study contributes to the service marketing and customer behavior literature by emphasizing the importance of relationship quality in shaping repeat financing behavior in the multifinance industry. Practically, the findings imply that multifinance companies should prioritize trust-building strategies and customer relationship management to strengthen long-term customer retention.
Co-Authors Alexander Wahyudi Amanda Susilo Andreas Andrew Wibisono Aria Ganna Henryanto Artanti, Damara Bachtiar, Sonia Beatrice Michelle Vallerie Calvin Stefanus Carolina Mustikarini Carrissa Belluci Choa, Yeshua Austin Harvey Christian Herdinata Christian, Michael Cittadhi Astridewi Nirmala Clivyne Eugenia Charles Cosmas Gatot Haryono Damelina B. Tambunan David Sukardi Kodrat Deandra Vidyanata Dewi Mustikasari Immanuel Dwi Andayani Vita setyawardani Eko Retno Indriyarti Eko Wahyudi Eric Anthonio Eric Harianto Evan Irianov Purba Fahrul Riza Fahrul Riza Fahrul Riza Fahrul Riza Sofyan Febry, Timotius Gavrila Evania Prambudi Gilbert Hutomo Konrad Gondokusumo, Michelle Hannan Azka Tuminem Helena Sidharta Henry Pranoto I Gede Dika Wiguna I Gusti Bagus Yosia Wiryakusuma Jessica Gosal Gosal Joanne Mareris Sukisman jodhinata, andreas Johanes Marco Poilot Junko Alessandro Effendy Kartikasari Gunawan Kasuma, Putri Ayu Kimberly Valencia Krismi Budi Sienatra Laij Victor Effendi Lya Dewi Anggraini Maulana Gilang Syahdat Melinda Kurniawan Metta Padmalia Meyer Chang Mutiara Pertiwi Mutiara Pertiwi Povannes, Tyaga Adinata Purba, Evan Irianov Putu Agus Darma Saputra Ramadhan Sutiawan Ranni Iqlima Putri Rendi Ferdiansyah Richelle Jesslyn Riesyah Putri Auliyah Romauli Nainggolan Salsabila, Shafa Tasya Shafa Tasya Salsabila Sienatra, Krismi Sonia Bachtiar Sukisman, Joanne Mareris Syaiful Anam Syaiful Anam Teofilus Teofilus Tisnasasmita, Bisma Jatmika Tuminem, Hannan Azka Wendra Hartono Widodo, Aghnia Kamila Widodo, Aghnia Kamila Winata, Debora Gracilia Yahya, Nashwa Aulia Yeshua Austin Harvey Choa