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All Journal Jurnal Manajemen dan Agribisnis Jurnal Ekonomi Manajemen Sistem Informasi Dinasti International Journal of Education Management and Social Science Ilomata International Journal of Management International Journal of Applied Business and International Management Journal of the Community Development in Asia International Journal of Accounting & Finance in Asia Pasific Journal of International Conference Proceedings Abdimas Indonesian Journal Jurnal Pengabdian Pada Masyarakat
Maria, Maya
Faculty Of Economics, Universitas Terbuka
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Antecedents and Impacts of Digital Customer Experience in Youth E-Commerce Engagement Zulfahmi Zulfahmi; Hubertina Karolina Ngarbingan; Ginta Ginting; Maya Maria
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 1 (2026): February 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i1.4313

Abstract

To analyze the antecedents and implications of digital customer experience. The proposed research model integrates several theories and approaches, namely 1) Information Integration Theory (IIT), 2) Multi Attribute Theory (MAUT), 3) Value Co-Creation Theory, 4) Theory of flow. From the integration of these theories and concepts, the variables used in the modeling are: online flow, value co-creation, digital customer experience, and customer loyalty. This study involved 182 respondents  (young people aged 17 to 45), living in Jakarta and its surrounding cities. Data were processed using Smart-PLS to determine the relationships between variables. The results show that online flow state significantly influences value co-creation, and value co-creation influences digital customer experience. An interesting finding from this research is that digital customer experience and online flow state can be proven to significantly influence customer loyalty. The hypothesis test examines the indirect effect of online flow state on customer loyalty through two consecutive mediators: value co-creation and digital customer experience. The results indicate a significant double mediation effect. To achieve customer loyalty in the context of e-commerce, companies need to strategically create engaging online experiences (trigger flow), encourage active customer participation in value creation, and ultimately, ensure that all of this results in a superior digital customer experience. Based on the research findings, the following recommendations are: a) Prioritize Experience Design that Inspires "Flow": invest more in immersive, intuitive, and seamless user interface/user experience design. Use gamification elements, intelligent personalization, and responsive interactions to minimize distractions and maximize user engagement., b)  Facilitate and Reward Value Co-Creation: create and optimize platforms that enable active customer participation. This could take the form of an active community forum, an easily accessible and rewarded product review system, a publicly accessible "wishlist" or "product idea" feature, or even a limited co-design program for new products or features. Ensure customer contributions are visible and valued., c) 1) Improve the Quality of the Digital Customer Experience Comprehensively: Companies must continuously audit and improve every digital touchpoint. This includes page load speed, design responsiveness across devices, digital customer service efficiency (AI chatbots, live chat), transaction security, and branding consistency across platforms.
Optimizing the Use of Social Crowdfunding in SMEs to Encourage the Implementation of Circular Economy (CE) Practices Mohamad Nasoha; Hubertina Karolina Ngarbingan; Ginta Ginting; Maya Maria; Zulfahmi Zulfahmi
International Journal of Applied Business and International Management Vol 9, No 2 (2024): August 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v9i2.3401

Abstract

Circular Economy (CE) offers an alternative to the linear economy (take-make-dispose) by adopting a make-use-recycle approach. While CE practices have primarily focused on technological and manufacturing changes, large businesses can more easily implement these practices due to their resources. However, small and medium-sized enterprises (SMEs) often struggle with CE implementation due to limited resources, particularly funding. FinTech Crowdfunding, especially donation-based (social crowdfunding), presents a viable funding alternative for SMEs. This research aims to develop a theoretical model using the Willingness to Participate Theory and the AIDA model for understanding and promoting CE practices among SMEs through the use of social crowdfunding. A survey was conducted with 69 SME actors. The research findings have led to the development of a model incorporating three key determinants: funding resources, community engagement, and entrepreneurial spirit. These factors are identified as antecedents that significantly influence SME awareness and willingness to adopt CE practices. The proposed model highlights how these elements can enhance SME participation in Indonesia. This model can serve as a foundation for future research in this area.
ENHANCED THE ROLE OF YOUTH IN PARTICIPATING THE SUCCESS OF GREEN ECONOMIC PRACTICES: BEHAVIORAL PERSPECTIVE BASED MODEL Maya Maria; Ginta Ginting; Anisa Zahwa Akbara; Hubertina Karolina Ngarbingan
Journal of The Community Development in Asia Vol 6, No 3 (2023): September 2023
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jcda.v6i3.2525

Abstract

Indonesia has a population of 270 million people and will face tough challenges in obtaining Sustainable Development Goals, especially related to Responsible Consumption and Production (RCP). The Indonesian government created a National Action Plan to achieve sustainable consumption and production patterns, namely increasing economic welfare, reducing resource use, and improving quality of life. To accelerate the call for RCP, encouraging the role of the younger generation to participate in implementing the best of green economic practices is the right strategy. This research is intended to get an overview of the extent to which the younger generation wants to participate from a behavioral angle (green economy consumers). Respondents involved in the study were 229 young people from various regions in Indonesia. Interesting results were obtained from the research model, indicating that intention strongly influences behavior and impacts willingness to participate using the SEM-Lisrel analysis. However, the awakening of intentions among the younger generation is mostly influenced by positive attitudes, while the norms and perceptions do not show strong indications of their influence. These findings form a strong basis for the development of behavioral research that can answer the research gap involving the younger generation to act as green consumers in a proven way. The younger generation can be environmentally responsible consumers by using eco-friendly products.
Pengaruh Motivasi Kerja dan Budaya Kerja Melalui Moderasi Religiusitas Terhadap Kinerja Personel di Direktorat Reserse Kriminal Umum Polda Riau Efriani Efriani; Mahendra Romus; Maya Maria
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 1 (2024): Jurnal Ekonomi Manajemen Sistem Informasi (September-Oktober 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i1.2724

Abstract

Tujuan penelitian ini adalah 1) Untuk mengetahui pengaruh antara variabel motivasi kerja, budaya kerja, moderasi religiusitas dan kinerja personel kepolisian secara parsial. 2) Untuk mengetahui pengaruh variabel motivasi kerja, budaya kerja, dan moderasi religiusitas secara simultan terhadap kinerja personel kepolisian. 3) Untuk mengetahui kemampuan religiusitas dalam memoderasi dari kombinasi variabel motivasi kerja, dan budaya kerja, terhadap kinerja personel kepolisian. Penelitian ini melibatkan 229 personel kepolisian di Direktorat Reserse Kriminal Umum (Ditreskrimum) Polda Riau. Teknik pengambilan sampel dilakukan secara sensus dan pengumpulan data menggunakan instrumen kuesioner.  Analisis pengujian regresi linear parsial, linear berganda, uji koefisien korelasi menggunakan software SPSS version 26. Hasil penelitian menunjukkan bahwa pengaruh motivasi kerja, budaya kerja, moderasi religiusitas dan kinerja personel yang dianalisis secara parsial dan simultan didapati nilai signifikansi p<0.05. Terdapat pengaruh yang signifikan dan positif semua konstruk yang diuji secara parsial dan simultan. Pengujian tanpa religiusitas sebagai variabel moderasi terhadap gabungan motivasi kerja, dan budaya kerja terhadap kinerja personel Kepolisian diperolah (r2= 0.629) 72,1% dan menggunakan variabel moderasi religiusitas diperoleh sebesar (r2=0,738) 73,8%. Terdapat peningkatan sebesar 1.7 % pengaruh menggunakan moderasi religiusitas terhadap kinerja personel. Motivasi kerja, budaya kerja, moderasi religiusitas meningkat, maka kinerja personel Kepolisian juga akan meningkat.
Pengaruh Budaya Organisasi, Motivasi Kerja, Dan Disiplin Kerja Terhadap Kinerja Pegawai Di Lingkungan Dinas Tenaga Kerja Kabupaten Indragiri Hulu Provinsi Riau Mansur Sulaiman; Maya Maria; Mafizatun Nurhayati
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 3 (2025): Jurnal Ekonomi Manajemen Sistem Informasi (Januari - Februari 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i3.4318

Abstract

Penelitian ini dilakukan pada Dinas Tenaga Kerja Kabupaten Indragiri Hulu Provinsi Riau yang bertujuan untuk mengetahui pengaruh budaya organisasi, motivasi kerja, dan disiplin kerja terhadap kinerja pegawai di Lingkungan Dinas Tenaga Kerja Kabupaten Indragiri Hulu Provinsi Riau. Data penelitian ini diperoleh melalui kuisioner terhadap sampel penelitian. Adapun sampel penelitian ini berjumlah 51 orang dengan menggunakan Teknik Sensus. Analisis data kuantitatif menggunakan Regresi Linier Berganda dengan bantuan program SPSS 24. Hasil penelitian menunjukkan bahwa budaya organisasi, motivasi dan disiplin berpengaruh secara positif dan signifikan terhadap kinerja pegawai pada Dinas Tenaga Kerja Kabupaten Indragiri Hulu. Artinya semakin baik dan tinggi tingkat budaya organisasi, motivasi dan disiplin maka akan semakin tinggi tingkat kinerja pegawai. Sebaliknya jika semakin rendah tingkat budaya organisasi, motivasi dan disiplin maka akan berimbas semakin rendahnya tingkat kinerja pegawai.
Model Pendekatan Holistik dalam Pemberdayaan Ekonomi Keluarga Melalui Pelatihan Pengembangan Bisnis dan Edukasi Keuangan Andy Sylvana; Nindya Farah Dwi Puspitasari; Dina Noval Madurani; Maya Maria
Abdimas Indonesian Journal Vol. 5 No. 2 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.v5i2.1132

Abstract

The FEB-UT National Community Service Program (PkM) is here to answer the real challenges faced by PKK women in Pondok Cabe Udik Village. Based on the needs analysis, three root problems were revealed: limited practical skills, lack of innovation in creating business opportunities, and weak foundations of family financial management. As a solution, the PkM team carries a comprehensive strategy for women's economic empowerment. The program does not only stop at awareness, but also steps into hands-on training and ongoing mentoring to turn potential into a real home-based venture. The program is carried out with a focus on three main activities, namely training on processing used cooking oil waste into value-added products such as candles and soap, home business development training through shoe washing services, and education and consulting on family financial management. The training is carried out in stages through presentations, demonstrations, workshops, and interactive discussions. The results of the activity showed a significant increase in the aspects of knowledge, skills, and motivation of participants to develop a household-based small business. Participants also began to understand the importance of environmentally friendly household waste management and apply green economy principles in daily activities. In addition, this activity strengthens the participants' ability to manage family finances independently and efficiently. Overall, PkM activities have a positive impact on improving economic welfare, environmental awareness, and social independence of participants, and are expected to become a model of sustainable community empowerment at the local level.
Exploring the Customer Journey and Experience in the Digital Banking Era Through the Lens of Online Flow State Sri Ismulyati; Maya Maria; Hubertina Karolina Ngarbingan; Ginta Ginting
International Journal of Applied Business and International Management Vol 10, No 3 (2025): December 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v10i3.4543

Abstract

The rapid digitalization of banking services enhances transaction speed, security, and convenience; however, challenges persist in technology acceptance, regulatory readiness, and the optimization of Digital Customer Experience (DCX), particularly among younger consumers. This study develops and empirically tests a comprehensive model explaining the antecedents and consequences of DCX in digital banking. By integrating Information Integration Theory, Multi-Attribute Utility Theory, Value Co-Creation Theory, Attitude–Behavior Context Theory, and Flow Theory, the study proposes Online Flow State as a central mediating mechanism linking service attributes and behavioral outcomes. A quantitative approach was employed, with data collected from 214 young digital banking users in Jakarta and surrounding areas using purposive non-probability sampling. Structural Equation Modeling with Partial Least Squares (SEM-PLS) was applied for hypothesis testing. The results indicate that Awareness and Knowledge, Technology and Innovation, and User Interface significantly influence Online Flow State, which in turn strongly enhances DCX. Furthermore, DCX significantly increases Customer Loyalty both directly and indirectly through Value Co-Creation and Customer Engagement. However, Security and Ease of Use, as well as Speed, do not significantly affect Online Flow State. These findings underscore the importance of immersive digital experiences in fostering engagement and long-term loyalty
Proposing the Model to Accelerate SMEs to Apply Green Economy Practices Through the Utilization of Social Crowdfunding Maya Maria; Hubertina Karolina Ngarbingan; Ginta Ginting; Sri Ismulyati
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1320

Abstract

Following Indonesia's commitment to promoting the achievement sustainable consumption and production practices (RCP- SDGs Number 12), a plan must be put in place to motivate important players (SMEs) to support the green economy. The limitations of SMEs in terms of funding to be able to implement green economic practices are accommodated through access to financial technology, namely social crowdfunding. To gain insight into how SMEs implement green economic practices by utilizing social crowdfunding, a survey was conducted on 75 SMEs use descriptive research design. The results of the descriptive analysis found that some SMEs have not been able to take advantage of social crowdfunding due to several reasons: not being able to access the right website, having requirements that are difficult to fulfill and their technology skills are not yet good. An interesting insight that was extracted from the results of this survey is the high level of confidence among SMEs that implementing green economic practices using social crowdfunding can improve business performance and are confident that they can overcome all difficulties. The proposed conceptual model can apparently be supported by research results which produce the proposition namely:" willingness to participate in implementing green economic practices using social crowdfunding needs to be driven by creating strong awareness and interest by triggering 3 important determinants, namely stakeholder management, community engagement and entrepreneurship strategy”. In the future, this conceptual modeling can be used to conduct quantitative research so that it can explore the facts in the field in a comprehensive manner.
Innovative Marketing Strategies for Enhancing Neighbourhood Conversational Commerce Andriyansah; Maya Maria; Kurnia Endah Riana; Sri Lestari Pujiastuti; Ledy Yolanda
Ilomata International Journal of Management Vol. 6 No. 4 (2025): October 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i4.1882

Abstract

Conversational commerce (c-commerce) leveraging messaging platforms like WhatsApp presents new opportunities for local neighbourhood engagement in service-oriented markets. Aim: This study investigates how WhatsApp-based conversational agents influence consumer buying behaviour within a local workplace context, introducing the concept of Conversational Commerce of Neighbourhood. Methods: Employing a user-centred design approach, we collected quantitative data from 110 active employees at the Faculty of Economics and Business, Universitas Terbuka, via surveys and observations of a WhatsApp prototype, and conducted qualitative interviews to triangulate findings. Results: Quantitative results show that 73% of respondents reported higher satisfaction with WhatsApp-based local communications, and 65% indicated a higher likelihood of purchasing after personalised interactions; however, 25% expressed concerns about data privacy. Regression analysis indicates significant positive effects of WhatsApp usage on customer satisfaction (p < 0.001), with interaction frequency (p < 0.01) and tailored user satisfaction having substantial influence (coefficient for user satisfaction = 0.85). Qualitative insights highlight the value of personal touch, faster responses, and stronger branding perception in fostering loyalty. Conclusions: When designed with local cultural contexts and transparent data practices, neighbourhood-focused c-commerce via WhatsApp can enhance consumer engagement and purchasing outcomes, offering practical guidance for local businesses and contributing to the theoretical understanding of e-commerce and human–computer interaction in local settings.
Co-Authors Agus Wijaya Soehadi Ahmad Sulaeman Andriyansah . Andy Sylvana Anisa Zahwa Akbara Asgaruddin Asgaruddin Dina Noval Madurani Efriani Efriani Fauzy Rahman Kosasih Ginta Ginting Hapzi Ali Hubertina Karolina Ngarbingan Hubertina Karolina Ngarbingan Ike Janita Dewi Imas Maesaroh Kurnia Endah Riana Ledy Yolanda Maesaroh, Imas Mafizatun Nurhayati Mahendra Romus Mansur Sulaiman Nasoha, Mohamad Nihan Lanisy Nindya Farah Dwi Puspitasari Oktarini Oktarini Ramdhan Kurniawan Rini Febrianti Sri Ismulyati Sri Lestari Pujiastuti, Sri Lestari Ujang Sumarwan Zulfahmi Zulfahmi