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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; 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.v2i3.914

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) Reni Pratiwi Sihombing; Rd. Nurafni Rubiyanti; 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.v2i3.991

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.
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 Abdul Rahman; 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.
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) Fina Septiani; 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.
THE INFLUENCE OF EVENT EXPERIENCE ON EVENT SATISFACTION, POST-EVENT ATTITUDE & EMPLOYEE PRODUCTIVITY (STUDY ON PT XYZ CULTURE FEST EVENT) Ahmad Jamil; Mahir Pradana; Rah Utami Nugrahani
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.v2i3.1093

Abstract

Corporate culture plays an important role in shaping employee engagement and productivity. PT XYZ held Culture Fest as a form of internalizing cultural values to all employees. This study aims to analyze the effect of experience during the event on satisfaction, post-event attitudes, and employee productivity. This research uses a quantitative approach with a survey method of 100 PT XYZ employees who participated in Culture Fest 2024. Data were collected through a Likert scale-based questionnaire, and the data were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results showed that experience during the event had a significant effect on satisfaction and post-event attitudes. In addition, satisfaction with the event also had a positive effect on post-event attitudes, and these attitudes had a significant effect on employee productivity. This research confirms the importance of designing meaningful and relevant internal events as a strategic means to improve employee commitment and performance through strengthening organizational culture.
Brand Experience as a Driver of Consumer Loyalty:The Mediating Roles of Perceived Quality and Brand Trust in Digital Beauty Platforms Nabilah Syaharani Dewasandra; Mahir Pradana; Arry Widodo
Harmoni Economics: International Journal of Economics and Accounting Vol. 2 No. 3 (2025): August: Harmoni Economics: International Journal of Economics and Accounting
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/harmonieconomics.v2i3.308

Abstract

The high bounce rate of the SOCO by Sociolla app, reaching 57.8%, and the decline in user engagement indicate a serious challenge in maintaining consumer loyalty amidst highly dynamic digital platform competition. In an era when consumers have many alternatives and high expectations for digital experiences, building meaningful relationships through brand experience is crucial. Brand experience encompasses not only functional interactions but also emotional and sensory dimensions that shape consumer perceptions of service value and quality. This study aims to analyze the influence of brand experience on brand loyalty by including perceived quality and brand trust as mediating variables. A quantitative approach was used through the Structural Equation Modeling (SEM) method on 430 active SOCO app users. The results showed that brand experience significantly influences brand loyalty directly (t=2.195, p=0.014) and also indirectly through perceived quality (t=2.457, p=0.007) and brand trust (t=5.563, p=0.000). Overall, this model explains 62.7% of the variance in brand loyalty. These findings underscore the importance of experiential marketing strategies in increasing customer satisfaction, building trust, and maintaining long-term loyalty. A strong brand experience can create deep emotional connections, strengthen perceptions of service quality, and foster brand trust, particularly in the digital beauty sector, which relies heavily on image and user convenience. Theoretically, this study contributes to the development of brand loyalty models in the digital environment. Practically, the results of this study provide guidance for digital beauty app managers like SOCO to design more immersive, personalized, and consistent user experience strategies to increase customer retention and strengthen their competitive position.
Service Quality and Punctuality of Indonesian Railfood Customer Online System Muhammad Raisa Permana Sakti; Syahputra Syahputra; Mahir Pradana
TEPIAN Vol. 4 No. 4 (2023): December 2023
Publisher : Politeknik Pertanian Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51967/tepian.v4i4.2934

Abstract

This study aims to analyze the effect of Indonesian Railway Company (PT KAI)'s service quality, especially the punctuality of travel on railroad customer satisfaction. This study also aims to examine the effect of timeliness variables on customer satisfaction. The data used in this study is a combination of primary data and secondary data where the author will use the survey method as primary data and data on the timeliness of train travel, especially train travel to and from Bandung Station as secondary data. The data analysis technique used in this research is quantitative by using a systematic literature review in terms of bibliometric analysis to review published research on the topics discussed. The explanation for this is the result of the punctuality of train travel on railroad customer satisfaction.
ANALYSIS OF PT TELKOM INDONESIA (PERSERO) TBK'S READINESS FOR CORPORATE TRANSFORMATION FROM A BUSINESS-TO-CONSUMER (B2C) MODEL TO A DIGITAL BUSINESS-TO-BUSINESS (B2B) MODEL IN RESPONDING TO GLOBAL BUSINESS COMPETITION: A CASE STUDY OF PT TELKOM INDONESIA (PERSERO) TBK Mikael Julian Irsa; Mahir Pradana; Yogi Suprayogi
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 3 (2026): Vol. 03 No. 3 Edisi Juli 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i3.2557

Abstract

The Indonesian telecommunication industry is currently experiencing saturation in the Business-to-Consumer (B2C) market segment, prompting PT Telkom Indonesia (Persero) Tbk to aggressively execute business transformation by shifting toward a Business-to-Business (B2B) Digital model to maintain relevance amidst increasingly competitive and dynamic global business competition. This shifting phenomenon demands comprehensive internal readiness, particularly regarding resource orchestration and marketing ambidexterity maturity to balance traditional connectivity business with the exploration of high-value digital service innovation. This research employs a quantitative methodology with descriptive and causal approaches to dissect and objectively measure the level of organizational readiness in facing such market disruptions. Primary data collection was conducted with 385 respondents consisting of employees and strategic stakeholders involved in the transformation process at PT Telkom Indonesia using a nonprobability sampling technique with a purposive sampling method. All collected data were subsequently processed and tested using the SmartPLS version 4 analysis tool to ensure accuracy in modeling the complex relationships between the variables. The data analysis techniques utilized include descriptive statistics to provide a general overview of the data and variance-based Structural Equation Modeling (PLS-SEM) to test the significance of relationships between latent variables within the research model. The research findings project that corporate strategy significantly and positively influences business transformation success and B2B Digital model development, while simultaneously providing a strong direct impact on strengthening the company's competitiveness at the global level. The analysis results also indicate that internal transformation effectiveness and the implementation of B2B digital solutions are primary determinants capable of substantially enhancing the company's ability to compete across borders in the digital platform era. Furthermore, the mediating roles of business transformation and B2B Digital model variables have proven to be crucial in reinforcing the link between corporate strategic orientation and the achievement of sustainable international competitive advantage. Overall, this study provides an empirical foundation regarding the importance of precise resource orchestration for Telkom Indonesia to realize its vision as a preferred digital telco capable of winning competition in international markets.
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.
THE APPLICATION OF WORD OF MOUTH (WOM), SERVICE QUALITY, AND BRAND IMAGE ON CUSTOMER LOYALTY WITH CUSTOMER SATISFACTION AS A MEDIATING VARIABLE AT AS SYIFAA PHARMACY IN MAJALENGKA Robi Latansa; 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.v3i1.1676

Abstract

This study investigates how Word of Mouth, service quality, and brand image influence B2B customer loyalty at As-Syifaa Pharmacy in Majalengka, with customer satisfaction acting as a mediating variable. A quantitative approach was applied using the SEM-PLS method, drawing on data from 300 purposively selected customers. The analysis included measurement of validity and reliability, followed by structural model testing to identify both direct and indirect relationships among variables. The findings reveal that Word of Mouth, service quality, and brand image each play a meaningful role in enhancing customer satisfaction, which in turn becomes the strongest predictor of customer loyalty. Satisfaction was also found to mediate the effects of the three antecedent variables, either fully or partially, highlighting its central role in shaping long-term business relationships. These results indicate that building B2B customer loyalty requires more than consistent operational performance; it also depends on maintaining a credible brand reputation and fostering positive relational communication within the business network. Based on these insights, the study recommends strengthening service standards, reinforcing brand consistency, and managing interpersonal communication to support sustainable loyalty among B2B partners.
Co-Authors A Muhammad Reza Aditya Putra Amier Abdul Rahman Aditya Wardhana Agus Maolana Hidayat Ahmad Jamil 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 Aprijane A, Ketlin 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 Dewi, Dinda Aura Dian Herdiana Utama , Rd. 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 Fikri Mohamad Rizaldi Fina Septiani Fitriani Nur Utami Ganea Wijaya, Banu Surya Haeruddin Hafid Hanifah Putri Elisa Hari Mulyadi, Hari 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 Karima Astari Kartika Nuswantara Litasari Suwarsono Lucky Roy Saputra Luh Putu Ratna Sundari Mahendra Fakhri Mangsor, Miza Matrona Patricia Malindir Michele Oppioli Mikael Julian Irsa Muhammad Diandri Muhammad Diandri Darmawan Muhammad Hani Muhammad Ichsan Muhammad Ichsan Muhammad Idris Muhammad Idris Muhammad Raisa Permana Sakti Muhammad Rizal Ar Rasyid Nabilah Syaharani Dewasandra NIDA MUTHI ANNISA Nugrahani, Rah Utami 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 Raja Razali, Raja Razana Ramadina, Tarisya Rizki  Rasyid, Rafika Isya Ratih Hendayani Ratna Rintaningrum, Ratna Renaldi Renaldi Reni Pratiwi Sihombing Ridho Ferdiyansah, Muhammad Riyanto, Yusuf Rizki , Kurniady Robi Latansa Sakha Nurwitono, Dary Salsabila, Delza Salsabila, Syifa Saragih, Romat Sarah Miranda Sjahmagri Priatama Sukma Sri Widaningsih Sulistya S, Ariraya Suryana Suryana 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 Wingkolatin, Wingkolatin Yogi Suprayogi Yudha Aditya Gozali Tahir Yuhana Astuti Zahid, Azham Zuniar, Dinda Putri