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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Gadjah Mada International Journal of Business JURNAL KEBANGSAAN Jurnal Sosioteknologi Neo-Bis EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Equilibrium: Jurnal Pendidikan MODUS-Jurnal Ekonomi dan Bisnis Jurnal Studi Agama dan Masyarakat Jurnal Manajemen Jurnal Manajemen dan Bisnis Indonesia Asia-Pacific Management and Business Application Jurnal Bisnis dan Manajemen Jurnal Studi Manajemen dan Bisnis IJBE (Integrated Journal of Business and Economics) FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Indikator: Jurnal Ilmiah Manajemen & Bisnis SEIKO : Journal of Management & Business JURNAL EDUCATION AND DEVELOPMENT International Journal of Supply Chain Management Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis The International Journal of Business Review (The Jobs Review) To Maega: Jurnal Pengabdian Masyarakat Jurnal Mantik Kumawula: Jurnal Pengabdian Kepada Masyarakat Ideas: Jurnal Pendidikan, Sosial dan Budaya Jurnal Riset Bisnis dan Manajemen Jurnal Ilmiah Manajemen Kesatuan Responsive: Jurnal Pemikiran dan Penelitian Administrasi, Sosial, Humaniora dan Kebijakan Publik ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia TEPIAN Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis Economics and Digital Business Review JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Buletin Poltanesa Sawala : Jurnal pengabdian Masyarakat Pembangunan Sosial, Desa dan Masyarakat JURNAL APARATUR Journal of Applied Business, Taxation and Economics Reseach Formosa Journal of Multidisciplinary Research (FJMR) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Asian Journal of Management Analytics eProceedings of Management Enrichment: Journal of Multidisciplinary Research and Development International Journal of Applied Economics, Accounting and Management (IJAEAM) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Penelitian Pendidikan Indonesia International Journal of Halal System and Sustainability Multidisciplinary Indonesian Center Journal Indonesian Journal of Social Science and Education
Mahir Pradana
Universitas Telkom
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Journal : Multidisciplinary Indonesian Center Journal

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THE EFFECT OF FINTECH USAGE ON CONSUMER BEHAVIORAL INTENTIONS THROUGH FINANCIAL LITERACY AND CUSTOMER SATISFACTION ON INVESTMENT APPLICATIONS Ismawati; Agus Maolana Hidayat; Pradana, Mahir
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 3 (2025): Vol. 2 No. 3 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i3.913

Abstract

This study seeks to explore the relationship between the understanding of fintech usage, behavioral intention, financial literacy, customer satisfaction, and brand image within the framework of the Bibit investment application. As consumer awareness of digital financial services continues to increase, companies are adopting strategies to strengthen user engagement and foster trust. The research highlights the critical role of financial literacy and customer satisfaction in cultivating stronger relationships between users and fintech platforms. The findings indicate that enhancing financial literacy and providing intuitive, user-friendly experiences not only elevate customer satisfaction but also encourage greater user loyalty. In light of the rising demand for informed decision-making and trust in digital financial services, fintech platforms that align with consumer expectations regarding education and service quality are better positioned to build long-term, meaningful relationships with users, thereby promoting sustained engagement and brand loyalty. Furthermore, the paper addresses the potential directions for future research focused on enhancing customer engagement with fintech platforms, particularly in the context of a highly competitive and awareness-driven market.
THE EFFECT OF FINANCIAL LITERACY AND PRODUCT QUALITY ON THE INTEREST IN BUYING LIFE INSURANCE IN GEN Z MEDIATED BY GENDER AS A MODERATOR VARIABLE Ita Nursita Sari; Putu Nina Madiawati; Pradana, Mahir
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 3 (2025): Vol. 2 No. 3 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i3.914

Abstract

Abstract This study is motivated by the financial literacy of generation Z and also the quality of life insurance products in Indonesia which are moderated by gender in influencing a person's interest in buying life insurance in Indonesia. This study uses a quantitative method with a descriptive relationship approach. Determination of the sample in this study was carried out by calculating using the Bernoulli formula, with a total of 384 respondents. The data analysis technique used is the Structural Equation Model - Partial Least Square (SEM-PLS). The results of the study show that financial literacy (X1) and product quality (X2) do not have a significant effect on buying interest (Y) where the p-values of both variables are <0.05. Other findings also state that Gender (Z) does not significantly moderate financial literacy and product quality. The conclusion of this study is that the factors that make generation Z interested in buying insurance products are influenced by their perceptions of financial literacy and product quality. More specifically, the perception of product quality factors has a significant and positive influence on generation Z's interest in buying life insurance products in Indonesia. The findings show that of the two variables, product quality can be the strongest predictor in predicting generation Z's interest in purchasing life insurance products. Financial literacy cannot significantly predict generation Z's interest in purchasing insurance products. Keywords : financial literacy, product quality, gender, purchasing intention
THE EFFECT OF HEDONIC SHOPPING MOTIVATION, SHOPPING LIFESTYLE AND FEAR OF MISSING OUT ON IMPULSIVE BUYING WITH POSITIVE EMOTION AS A MEDIATION IN GENERATION Z (SHOPEE E-COMMERCE USER CASE STUDY) Sihombing, Reni Pratiwi; Rubiyanti , Rd. Nurafni; Pradana , Mahir
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 3 (2025): Vol. 2 No. 3 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i3.991

Abstract

Shopee, as one of the e-commerce establishments established in 2015 and part of the Sea Group in Southeast Asia, has succeeded in creating a safe, user-friendly and fast online shopping platform. With strong operations in seven markets in Southeast Asia, Shopee not only provides a platform for buyers to find products, but also provides training and support to their sellers. The rapid growth of e-commerce in Indonesia is also influenced by factors such as the increase in population, increasing smartphone and internet users, and the development of financial technology companies. The convenience of online shopping encourages consumers to buy various desired products so that they are encouraged to behave consumptively. This then stimulates the phenomenon of impulse buying in consumers. Currently, economic activities are dominated by Generation Z's behavior to carry out activities such as scrolling, online shopping, and making transactions. Some marketplaces have not paid attention to the positive emotions of consumers with the Generation Z group in the target market, hedonic shopping motivation, fear of missing out, and shopping lifestyle that can trigger impulsive purchases which are part of the consideration of the preparation and strategy of innovative marketing targets according to the needs of market psychology. This study aims to find out how much respondents assess hedonic shopping motivation, fear of missing out, and shopping lifestyle, find out the influence of hedonic shopping motivation, fear of missing out, and shopping lifestyle on impulse buying generation Z, find out the influence of positive emotions on impulse buying generation Z, to know the influence of hedonic shopping motivation, fear of missing out and shopping lifestyle on impulse buying through positive emotions. This study uses a quantitative method. The sampling technique uses purposive sampling. The data obtained was 385 respondents by distributing questionnaires online. The respondents in this study are Generation Z Shopee users in Indonesia. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) which was then processed with SMARTPLS. The results of this study are hedonic shopping motivation, fear of missing out, shopping lifestyle, positive emotion have a significant positive effect on impulse buying.
ANALYSIS OF THE INFLUENCE OF BRAND EXPERIENCE, APPLICATION EASE OF USE, AND PERCEIVED QUALITY ON CUSTOMER SATISFACTION AND ITS IMPACT ON CUSTOMER LOYALTY IN THE PIJAR SEKOLAH APPLICATION (A CASE STUDY OF PUBLIC JUNIOR HIGH SCHOOLS, VOCATIONAL HIGH SCHOOLS, AND SENIOR HIGH SCHOOLS IN WEST BANDUNG REGENCY) Septiani, Fina; Putu Nina Madiawati; Mahir Pradana
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 3 (2025): Vol. 2 No. 3 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i3.1065

Abstract

This study analyzes the influence of brand experience, application ease of use, and perceived quality on customer satisfaction and its impact on customer loyalty in the PIJAR Sekolah application. The research focuses on users from public junior high schools, vocational high schools, and senior high schools in West Bandung Regency. A quantitative method was employed using a survey distributed to students and educators. The data were analyzed using Structural Equation Modeling (SEM). Results show that brand experience, ease of use, and perceived quality significantly influence customer satisfaction. Furthermore, customer satisfaction plays a critical role in driving customer loyalty. The study emphasizes the importance of enhancing user interaction, simplifying application navigation, and ensuring content quality to boost satisfaction and long-term usage. These findings offer insights for educational technology developers to improve digital learning platforms and foster user loyalty through an optimized experience.
EXPLORING A MODERATED MEDIATION MODEL OF SITUATIONAL CONTEXT AND BRAND IMAGE ON PURCHASE INTENTION VIA ELECTRONIC WORD OF MOUTH (EWOM) A CASE STUDY OF SHOPEE IN WEST JAVA Rahman, Abdul; Mahir Pradana; Arry Widodo
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 3 (2025): Vol. 2 No. 3 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i3.1040

Abstract

E-commerce has become one of the most dynamic industries in the digital era, and electronic word of mouth (eWOM) greatly influences consumer behaviour. Shopee, as a popular e-commerce platform in West Java, faces challenges in increasing user purchase intention, particularly with an approach based on review communication and brand image. The objective of this research is to examine how eWOM credibility, quantity, and quality impact purchase intention, with brand image as the mediating variable and situational context as the moderating variable in the study of the Shopee application in West Java. This study uses a quantitative approach with the Structural Equation Modelling-Partial Least Squares (PLS-SEM) method. Data were collected from 500 respondents who are users of the Shopee application in West Java. The research results show that eWOM quantity has the greatest influence on purchase intention, followed by brand image, which has been shown to be a significant mediator. On the other hand, eWOM credibility and quality do not have a direct impact on purchase intention. Furthermore, situational context as a moderating variable does not have a significant impact on the relationship between eWOM quantity and brand image. This study helps e-commerce businesses create better data-driven marketing strategies. To build trust and encourage customer purchasing decisions, it is important to increase the number of reviews, enhance brand reputation, and improve the quality and credibility of the reviews.
MATERIALISM AND IMPULSIVE BUYING: EVIDENCE OF BUY-NOW-PAY-LATER AS A MEDIATOR AMONG INDONESIAN CONSUMERS Rizki , Kurniady; Pradana, Mahir; Kartawinata, Budi Rustandi
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 4 (2025): Vol. 2 No. 4 Edisi Oktober 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i4.1098

Abstract

The rapid diffusion of Buy-Now-Pay-Later (BNPL) services has reshaped consumption in emerging economies. This article  examines how materialistic value orientations stimulate impulsive buying through BNPL usage among Indonesian PayLater users. A cross-sectional survey of 670 respondents was analysed with partial least-squares structural-equation modelling (PLS-SEM). Materialism had a strong positive effect on BNPL adoption (β = 0.762) and a moderate direct effect on impulsive buying (β = 0.350). BNPL, in turn, exerted a substantial impact on impulsive buying (β = 0.480) and partially mediated the materialism–impulsivity link (indirect β = 0.366). The model explained 65% of BNPL variance and 72% of impulsive buying variance, while exhibiting acceptable fit indices (SRMR = 0.035; NFI = 0.885). Findings highlight BNPL’s dual role as a financial innovation and a behavioural catalyst, raising implications for platform design, consumer literacy programmes, and regulatory oversight.
FIRM ETHICALITY, GREEN MARKETING, AND BRAND LOYALTY: MODERATING EFFECTS OF BRAND REPUTATION, ENVIRONMENTAL CONCERN, AND SOCIAL INFLUENCE Pradana, Mahir; Bryant , De Roger Baggio; Rubiyanti , Nurafni
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 4 (2025): Vol. 2 No. 4 Edisi Oktober 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i4.1194

Abstract

This study examines the influence of firm ethicality, green marketing, and corporate social responsibility (CSR) on brand loyalty toward Tokopedia, it also explores the moderating roles of brand reputation, environmental concern, and social influence. A survey of 56 Tokopedia users was analyzed using partial least squares structural equation modeling (PLS-SEM). Results show that firm ethicality significantly and positively influenced brand loyalty. In contrast, green marketing and CSR did not show significant effects, nor did any of the hypothesized moderating relationships. Interestingly, social influence, although not proposed as a direct predicator, demonstrated a significant direct effect on brand loyalty, highlighting the roles of normative and informational influence in e-commerce. Assessment of the measurement model confirmed satisfactory construct reliability, convergent validity, and discriminant validity. The structural model exhibited predictive relevance. The findings indicate that corporate ethics and social influence are key factors in fostering loyalty within Indonesia’s digital marketplace.
PROGRAM PENGADAAN FASILITAS AIR BERSIH DI WISMA MAHASISWA WATER SANITATION PROCUREMENT PROGRAM AT A STUDENTHOUSE Pradana, Mahir; Wardhana, Aditya; Fakhri, Mahendra
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 1 No. 3 (2024): Vol. 1 No. 3 Edisi Juli 2024
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v1i3.173

Abstract

Tujuan kegiatan pengabdian masyarakat ini secara umum untuk membangun sinergitas kemitraan sebagai perwujudan visi dan misi Universitas Telkom dengan masyarakat sekitar. Secara khusus, tujuan pengabdian masyarakat ini untuk penguatan fasilitas air bersih melalui pengembangan sistem pipa air PDAM di lingkungan wisma mahasiswa Latimodjong, Bandung. Artikel ini membahas tentang upaya pengadaan fasilitas air bersih sebagai bagian dari proyek pengabdian masyarakat. Tujuan dari pengabdian ini adalah untuk meningkatkan aksesibilitas dan kualitas air bersih bagi penghuni di wisma tersebut. Metode yang digunakan meliputi survei kebutuhan, desain teknis, serta implementasi infrastruktur yang sesuai dengan kondisi lokal dan keberlanjutan lingkungan. Hasil dari kegiatan ini menunjukkan peningkatan signifikan dalam ketersediaan air bersih dan kesadaran masyarakat akan pentingnya sanitasi yang baik. Dengan demikian, artikel ini memberikan kontribusi positif terhadap kesejahteraan masyarakat melalui pemberdayaan infrastruktur dasar yang vital. Output dari kegiatan ini antara lain berupa pelatihan/bimbingan teknis (bimtek), pembuatan prototipe sistem/proses, dokumen standar operasi, dan pembentukan/penguatan rekomendasi kepada pemerintah daerah. Kata kunci: fasilitas air bersih, pengabdian Masyarakat, BIMTEK
THE UTILIZATION OF PROJECT MANAGEMENT TOOLS IN IMPROVING EMPLOYEE PERFORMANCE AT PT TELKOM INDONESIA Anggara Siswanajaya; Putu Nina Madiawati; Mahir Pradana
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 4 (2025): Vol. 2 No. 4 Edisi Oktober 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i4.1512

Abstract

PT Telkom Indonesia, as the largest telecommunications company in Indonesia, has implemented Jira within its Digital Business and Technology Division as a primary project management tool to support collaboration, task organization, and project monitoring. This study focuses on three key independent variables individual competence, organizational culture, and training and development which are considered essential elements in improving human resource quality. These factors directly influence team capability as a mediating variable, which in turn affects employee performance as the dependent variable. The research was conducted through a survey of 146 respondents from the Digital Business and Technology Division of PT Telkom Indonesia. The findings are expected to provide strategic insights for optimizing the use of project management tools to enhance employee performance, ensuring that their implementation aligns with team characteristics, organizational culture, and technical readiness.
THE INFLUENCE OF MARKETING MIX AND SERVICE QUALITY ON REPURCHASE INTENTION WITH CUSTOMER SATISFACTION AS AN INTERVENING VARIABLE AT SINGHASARI RESORT – EAST JAVA Aprelia Rizki Prastika; Putu Nina Madiawati; Mahir Pradana
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1648

Abstract

This study aims to analyze the influence of the marketing mix, service quality, and customer satisfaction on repurchase intention at Singhasari Resort. The research employs a quantitative approach using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The sample consists of guests who had stayed at least once at Singhasari Resort during the period of January 2024 to November 2025. The findings indicate that (1) the marketing mix has a significant effect on customer satisfaction and repurchase intention, (2) service quality significantly influences customer satisfaction and repurchase intention, although it represents the weakest predictor, (3) customer satisfaction significantly affects repurchase intention, and (4) customer satisfaction mediates the relationship between the marketing mix and service quality on repurchase intention.
Co-Authors A Muhammad Reza Aditya Putra Amier Abdul Rahman Aditya Wardhana Agus Maolana Hidayat Ahmad, Mokhtarrudin Akhmad Yunani Aldi Akbar Alfariq, Wildan Alif Alfi Syahrin Alini Gilang Almas Naavi Amellia, Dhella Agna An Nisaa Intan Andhika Novanto Anggara Siswanajaya Anita Silvianita Aprelia Rizki Prastika Arry Widodo Asep Miftahuddin Avian Reventiary Awanda, Kharisma Secillia Benny Kurnia bin Abu Sujak, Aznul Fazrin Bryant , De Roger Baggio Budi Rustandi Kartawinata Citra Kusuma Dewi Danang Widya Wardhana Davide Calandra Diki Wahyu Nugraha Diki Wahyu Nugraha Dinda Putri Zuniar DWIPUTRI, ALODIA LASTRI Dyah Maharani Dzakwan Nafis Hestopo Eksa Kartika, Elta Elisa, Hanifah Putri Eva Nurhazizah Fajar Ari Rachdian Farah Alfanur Fauzan Yusuf Fazrin bin Abu Sujak, Aznul Federico Lanzalonga Ferdiyansah, Muhammad Ridho Fitriani Nur Utami Ganea Wijaya, Banu Surya Haeruddin Hafid Hanifah Putri Elisa Hari Sel, Boby Jamis Hasanuddin, Ainun Kautsar Henrika Arda Ekaristi Hicham Riache Hiendra Kurniawan Hilma Maulida Hindami, Ghulam Ilmam Imanuddin Hasbi Indira Rachmawati Iqbal Firmansyah Ismawati Ita Nursita Sari Jaya, Muhammad Syukron Romadhona Mairubi Jessica Afrila Neza Luh Putu Ratna Sundari Mahendra Fakhri Mangsor, Miza Matrona Patricia Malindir Michele Oppioli Muhammad Diandri Muhammad Diandri Darmawan Muhammad Ichsan Muhammad Ichsan Muhammad Idris Muhammad Idris Muhammad Rizal Ar Rasyid Musa, Hussein Gibreel Nila Dewi A., Ni Ketut Tiara Astiti Nur, Irwan Nursyamsiah, Amalia Octario Emirat Azrie Saputra Perdana, Ariabima Putra Pinta Uli Sinaga Puti Khairin Putri, Anida Juliana Putu Nina Madiawati R. Amalina Dewi Kumalasari R. Amalina Dewi Kumalasari R. Nurafni Rubiyanti Rafly, Muhammad Rahmani, Marsha Adilla Raja Razali, Raja Razana Ramadina, Tarisya Rizki  Rasyid, Rafika Isya Ratih Hendayani Renaldi Renaldi Ridho Ferdiyansah, Muhammad Riyanto, Yusuf Rizki , Kurniady Robi Latansa Rubiyanti , Nurafni Sakha Nurwitono, Dary Sakti, Muhammad Raisa Permana Salsabila, Delza Salsabila, Syifa Saragih, Romat Sarah Miranda Septiani, Fina Sihombing, Reni Pratiwi Sjahmagri Priatama Sukma Sulistya S, Ariraya Syafira Nanditha Danisa Syafira Nanditha Danisa, Syafira Nanditha Syahdan Muhamad Rezky Syahputra Syahputra Syahputra Syamsudin, Rifqi Faizurrahman T, Ina Septiana br Taffy Andira Kaljabar Tarandhika Tantra Tasya Shafira Ardini Taufiq Syahrir Tri Indra Wijaksana Wahyuddin S Wardhana, Aditya Yuhana Astuti Zahid, Azham Zuniar, Dinda Putri