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Determinants of Intention to Reuse Food Delivery Applications in Generation Z Krisnawati, Wenti; Jufriyanto, Mohammad; Reviandani, Wasti
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1380

Abstract

This study aims to answer the question of why someone uses FDA by using independent variables, namely special benefits, time saving, delivery experience, reviews and price value for reusing applications mediated by customer satisfaction. Total of 179 Generation Z respondents participated in this study. The design in this study uses quantitative and analytical techniques using PLS tools. Interesting findings in this study were successfully identified. This study found that time saving that is considered to be able to make people satisfied and return to reuse the FDA proved unacceptable, which means that in Generation Z there is perceived dissatisfaction with the time given by the FDA, and Generation Z does not need to save time in ordering food online, time saving is not a reason for them to reuse the FDA. In this case, online application food delivery service providers  must consider other causes that make them satisfied and willing to use the FDA application again, for example,  the special benefits offered, and the experience in ordering food, reviews and price values that are highly regarded by consumers, especially in generation Z which has an effect on customer satisfaction which in the end satisfaction affects the reuse of the application.
Analisis Kelayakan Nasabah dalam Pembiayaan Akad Murabahah pada PT. BPRS XYZ Nur Alfa Litasania; Wasti Reviandani
Jurnal Simki Economic Vol 8 No 1 (2025): Volume 8 Nomor 1 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v8i1.933

Abstract

This research aims to analyze the feasibility of customers in financing murabahah contracts at PT. SRB XYZ. The method used is a qualitative approach with descriptive research type. Data was collected through interviews with employees, direct observation, and documentation of funding applications for 2023. Analysis was carried out by applying the 5C principles (Character, Capacity, Capital, Collateral, Conditions) as well as triangulation techniques to ensure data validity. The research results show that customer eligibility analysis is carried out through several stages, such as document inspection, field survey, credit history analysis using BI Checking, and assessment of customer business capacity. Of the total 897 funding applications in 2023, 79% were successfully disbursed, while the rest were rejected or canceled due to data discrepancies, completeness of documents, and failure to meet financing criteria. This research concludes that implementing strict feasibility analysis procedures can minimize the risk of financing problems.