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Pengaruh Pengalaman Pengguna, Keamanan dan Kepuasan Pelanggan terhadap Loyalitas Pelanggan pada E-Wallet Dana Fira Aziza Simanjuntak; Jullimursyida Jullimursyida; Naufal Bachri; M. Subhan
Jurnal Intelek Insan Cendikia Vol. 3 No. 04 (2026): April 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengalaman pengguna, keamanan, dan kepuasan pelanggan terhadap loyalitas pelanggan pada e-wallet DANA. Latar belakang penelitian ini didasari oleh meningkatnya penggunaan layanan e-wallet DANA di Indonesia, yang menuntut penyedia layanan untuk meningkatkan kualitas pengalaman pengguna dan sistem keamanan guna menciptakan loyalitas pelanggan. Metode yang digunakan adalah pendekatan kuantitatif dengan analisis regresi linier berganda menggunakan SPSS. Data dikumpulkan melalui kuesioner daring kepada 173 responden yang merupakan mahasiswa aktif Fakultas Ekonomi dan Bisnis Universitas Malikussaleh pengguna e-wallet DANA. Hasil penelitian menunjukkan bahwa pengalaman pengguna berpengaruh positif dan signifikan terhadap loyalitas pelanggan (t = 3,301; sig. = 0,001), keamanan berpengaruh positif dan signifikan terhadap loyalitas pelanggan (t = 2,332; sig. = 0,021), dan kepuasan pelanggan berpengaruh positif dan signifikan terhadap loyalitas pelanggan (t = 7,165; sig. = 0,000) pada e-wallet DANA. Koefisien determinasi (Adjusted R²) sebesar 0,643 mengindikasikan bahwa 64,3% variasi loyalitas pelanggan dapat dijelaskan oleh ketiga variabel tersebut. Temuan ini mengindikasikan bahwa semakin baik pengalaman pengguna, semakin tinggi keamanan yang dirasakan, dan semakin tinggi kepuasan pelanggan, maka semakin besar kemungkinan pelanggan untuk tetap setia menggunakan DANA.
Pengaruh Gaya Hidup, Harga, Pengetahuan dan Persepsi Terhadap Pengunaan Rokok Elektrik (Vape) di Kalangan Generasi Milenial (Studi Kasus di Lhokseumawe) Rifki Ramadhan; Mohd Heikal; Jullimursyida Jullimursyida; Chalirafi Chalirafi
Jurnal Intelek Insan Cendikia Vol. 3 No. 3 (2026): MARET 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Perkembangan rokok elektrik (vape) di Indonesia mengalami peningkatan yang cukup pesat, khususnya di kalangan generasi milenial. Fenomena ini dipengaruhi oleh perubahan gaya hidup modern, pertimbangan harga, tingkat pengetahuan, serta persepsi masyarakat yang menganggap rokok elektrik sebagai alternatif yang lebih modern dibandingkan rokok konvensional. Penelitian ini bertujuan untuk menganalisis pengaruh gaya hidup, harga, pengetahuan, dan persepsi terhadap penggunaan rokok elektrik (vape) di kalangan generasi milenial di Kota Lhokseumawe. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Populasi penelitian adalah generasi milenial berusia 29–44 tahun di Kota Lhokseumawe dengan jumlah sampel sebanyak 110 responden yang ditentukan menggunakan rumus Slovin. Teknik pengumpulan data dilakukan melalui kuesioner. Metode analisis data yang digunakan adalah regresi linear berganda dengan uji validitas, uji reliabilitas, uji asumsi klasik, uji parsial (uji t), uji simultan (uji F), serta uji koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa secara parsial gaya hidup, harga, pengetahuan, dan persepsi berpengaruh positif dan signifikan terhadap penggunaan rokok elektrik (vape). Secara simultan, keempat variabel tersebut juga berpengaruh signifikan terhadap penggunaan rokok elektrik di kalangan generasi milenial di Kota Lhokseumawe. Variabel gaya hidup merupakan faktor yang paling dominan memengaruhi penggunaan vape. Penelitian ini diharapkan dapat menjadi bahan pertimbangan bagi pemerintah, pelaku usaha, dan masyarakat dalam memahami perilaku konsumsi rokok elektrik
DIGITAL LEADERSHIP, COMPETENCE, ON EMPLOYEE PERFORMANCE WITH JOB SATISFACTION AS AN INTERVENING VARIABLE AT THE PRATAMA TAX SERVICE OFFICE (KPP) IN ACEH PROVINCE Rizal Karmana; Jullimursyida; Marbawi
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 4 No. 4 (2024)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v4i4.1816

Abstract

This study aims to analyze the influence of Digital Leadership, Competence on Employee Performance with Job Satisfaction as an Intervening Variable at the Tax Service Office of Aceh Province, the dependent variable of this study is digital leadership and the competency for the independent variable is employee performance , for the intervening variable is job satisfaction. The population in this study is 265 personnel of the Tax Service Office of Aceh Province. The sampling technique used proportionate stratified random sampling and a sample of 170 respondents who were employees at the Tax Service Office of Aceh Province was obtained, the research method used was a quantitative method, for the data analysis method using Structural Equation Modeling (SEM). The results of this study show that digital leadership and competence have a significant effect on job satisfaction, furthermore, digital leadership, competence and job satisfaction have a significant effect on the performance of employees of the Aceh Provincial Tax Service Office. This study shows that job satisfaction is the most dominant variable affecting the performance of employees of the Tax Service Office of Aceh Province. In this study, digital leadership and competence have a significant effect on employee performance through job satisfaction as an intervening variable, it can be concluded that job satisfaction functions as a partial mediation between exogenous and endogenous variables.
THE EFFECT OF TOURISM PRODUCT ATTRIBUTES, DESTINATION IMAGE, AND ELECTRONIC WORD OF MOUTH ON THE DECISION TO VISIT LUKUP BADAK RAFTING TOURISM IN TAKENGON Riska Yulia Putri; Muchsin; Jullimursyida; Khairina AR
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 12 (2025): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i12.1604

Abstract

This study aims to determine the effect of Tourism Product Attributes, Destination Image and Electronic Word Of Mouth on Visiting Decisions at Lukup Badak Rafting Tourism in Takengon . With the independent variables in this study are Tourism Product Attributes, Destination Image, and Electronic Word Of Mouth (E-WOM) while the dependent variable is the Visiting Decision. This type of research uses a quantitative method, data collection using a questionnaire containing statements in the form of a paper form and given to visitors to the Lukup Badak Rafting tourism with a total of 112 respondents. Data analysis used is validity test, reliability test, classical assumption test, multiple linear regression analysis, research hypothesis, partial (t) test, and coefficient of determination. The program used in analyzing data using the Statistical Package for Social Sciences (SPSS). Based on the results of the study showed that Tourism Product Attributes were proven to have no significant effect, Destination Image and electronic word of mouth were proven to have a positive and significant effect on visiting decisions.
TRAINING ON THE IMPLEMENTATION OF STANDARD OPERATING PROCEDURES (SOP) AND DIGITAL-BASED FINANCIAL RECORDING TO BUILD INNOVATION CAPABILITIES OF MSMES IN LANCANG GARAM VILLAGE, LHOKSEUMAWE Marzuki; Darmawati Muchtar; Jullimursyida; Zulfan
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 6 No. 2 (2026): July-October 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21879829

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Problem Context: Micro, Small, and Medium Enterprises (MSMEs) in Lhokseumawe play a vital role as the backbone of the regional economy. However, this sector still faces substantial challenges in terms of internal management, particularly related to unstandardized Standard Operating Procedures (SOPs) and manual financial recording practices. These governance inadequacies are exacerbated by regional economic pressures, including inflationary volatility that demands highly accurate margin efficiency. These issues hamper accountability, access to formal capital, and limit MSME Innovation Capabilities. Intervention Objective:This Community Service (PkM) activity aims to improve MSME operational efficiency through knowledge transfer and assistance in the implementation of simple SOPs, as well as improve financial accountability through the adoption of digital-based financial recording (Digital Financial Literacy). Specifically, this program is aimed at establishing the structural foundations necessary forpartner MSMEs to have higher Innovation Capability. Method: This study uses a Participatory Action Research (PAR) approach conducted in three structured stages: preparation (initial needs identification), implementation (interactive training, demonstrationof mobile recording applications, and hands-on practice), and evaluation (measuring literacy improvements through pre- and post-tests). Participants consisted of MSMEs in Lancang Garam Village, Lhokseumawe. The evaluation results showed a very significantincrease in digital financial literacy scores and understanding of SOPs. Partner MSMEs demonstrated a high level of adoption of digital financial recording applications and were able to prepare simple profit and loss reports in accordance with SAK EMKMprinciples. The implementation of SOPs and financial formalization collectively increased managerial confidence and created a measurable foundation. Implications: This PkM intervention proves that process standardization (SOPs) and digital financialaccountability are fundamental prerequisites that must be met before MSMEs can effectively move towards Innovation Capabilityand increased bankability (access to People's Business Credit/KUR).
INFLUENCE OF CUSTOMER EXPERIENCE, CUSTOMER ENGAGEMENT, AND CUSTOMER SATISFACTION TOWARDS CONSUMER LOYALTY OF COSMETIC PRODUCTS GLAD2GLOW AMONG STUDENTS FACULTY ECONOMICS AND BUSINESS UNIVERSITAS OF MALIKUSSALEH Ainna Mahrum Nasution; Jullimursyida; Mohd. Heikal; Hamdiah
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 5 No. 2 (2026): October
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.22833784

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Consumer loyalty is one of the important factors that determines a company's success in retaining customers amidst increasingly competitive cosmetics industry competition. This study aims to analyze the influence of Customer Experience, Customer Engagement, and Customer Satisfaction on Customer Loyalty toward Glad2Glow cosmetic products among students of the Faculty of Economics and Business, Malikussaleh University. This research was motivated by the increasingly intense competition in the cosmetic industry, requiring companies to create positive customer experiences, strengthen customer engagement, and improve customer satisfaction in order to enhance customer loyalty. This study employed a quantitative approach using a survey method. The population consisted of 3,173 students of the Faculty of Economics and Business, Malikussaleh University who use Glad2Glow cosmetic products. The sampling technique used was purposive sampling, resulting in 112 respondents. Data were collected through questionnaires using a Likert scale and analyzed using multiple linear regression with the Statistical Product and Service Solutions (SPSS) program. The findings reveal that Customer Experience has a positive and significant effect on Customer Loyalty, Customer Engagement has no significant effect on Customer Loyalty, while Customer Satisfaction has a positive and significant effect on Customer Loyalty. The coefficient of determination (Adjusted R Square) of 55.9% indicates that Customer Experience, Customer Engagement, and Customer Satisfaction explain 55.9% of the variation in Customer Loyalty, while the remaining 44.1% is explained by other variables outside the scope of this study. Therefore, improving customer experience and customer satisfaction is essential to strengthening customer loyalty toward Glad2Glow cosmetic products.
THE EFFECT OF PRODUCT QUALITY, BRAND IMAGE AND TASTE ON THE PURCHASE DECISION OF KUDA CAP TENGGIRI FISH CRACKERS SEA IN BANGKOK CITY Desi Eka Pratiwi; Mohd. Heikal; Jullimursyida; Hamdiah
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 5 No. 2 (2026): October
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.22729856

Abstract

The increasingly tight competition among processed seafood products requires every producer to keep innovating in order to compete with its rivals. Product quality, brand image, and taste are important factors that producers need to pay attention to in order to maintain and improve consumer purchasing decisions. Pre-survey results on Cap Kuda Laut Mackerel Fish Crackers show a declining trend in consumer purchase interest, which is suspected to be related to these three factors. This study aims to determine the influence of Product Quality (X1), Brand Image (X2), and Taste (X3) on Purchasing Decisions (Y) of Cap Kuda Laut Mackerel Fish Crackers in Pangkalan Brandan, Langkat Regency, North Sumatra. The population of this study consists of consumers of the product. The sample consisted of 100 respondents, determined using the purposive sampling technique. The variables in this study consist of dependent and independent variables. The dependent variable is Purchasing Decision (Y), while the independent variables are Product Quality (X1), Brand Image (X2), and Taste (X3). The method used in this study is a quantitative research method, with multiple linear regression as the analysis model. Data processing was carried out using the SPSS program. Based on the analysis results, this study found that the Product Quality variable has a positive and significant effect on Purchasing Decision, Brand Image has a positive and significant effect on Purchasing Decision, and the Taste variable has a positive and significant effect on Purchasing Decision. The results of this study also show that Product Quality, Brand Image, and Taste have a partial and simultaneous effect on the Purchasing Decision of Cap Kuda Laut Mackerel Fish Crackers.
Pengaruh Live Streaming, Ease of Payment, dan Price Discount Terhadap Impulse Buying pada Aplikasi TikTok Zahra Tsalisa; Muchsin Muchsin; Jullimursyida Jullimursyida; Halida Bahri
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 04 (2026): AGUSTUS - SEPTEMBER 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh live streaming, ease of payment, dan price discount terhadap impulse buying pada pengguna TikTok, khususnya mahasiswa Fakultas Ekonomi dan Bisnis Universitas Malikussaleh yang menggunakan TikTok Shop. Sampel penelitian berjumlah 120 responden yang dipilih menggunakan teknik non-probability sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa live streaming, ease of payment, dan price discount masing-masing berpengaruh positif dan signifikan terhadap impulse buying, dengan koefisien regresi berturut-turut sebesar 0,354, 0,337, dan 0,276, nilai t hitung sebesar 3,298, 3,302, dan 2,771, serta signifikansi sebesar 0,001, 0,001, dan 0,007. Nilai Adjusted R Square sebesar 0,679 menunjukkan bahwa 67,9% variasi impulse buying dapat dijelaskan oleh ketiga variabel tersebut. Temuan ini menunjukkan bahwa semakin menarik konten live streaming, semakin mudah proses pembayaran, dan semakin besar price discount yang ditawarkan, maka semakin tinggi kecenderungan mahasiswa melakukan impulse buying pada TikTok Shop.
ANALYSIS OF THE ROLE OF DIGITAL LEADERSHIP AND TRANSFORMATIONAL LEADERSHIP ON THE PERFORMANCE OF KOREM 011-LILAWANGSA APPARATUS WITH ORGANIZATIONAL COMMITMENT AS AN INTERVENING VARIABLE Ali imran; Herman Fithra; Marbawi; Jullimursyida; Mohd. Heikal; Sapna Biby
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 5 (2026): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.22074148

Abstract

This study aims to analyze the influence of digital leadership and transformational leadership on the performance of Korem 011-Lilawangsa apparatus with organizational commitment as an intervening variable on Korem 011-Lilawangsa apparatus, for the dependent variable of this study is digital leadership and transformational leadership for the independent variable is apparatus performance, for the intervening variable is organizational commitment.The population in this study was 350 Korem 011-Lilawangsa personnel. The sampling technique used simple random sampling and obtained a sample of 170 respondents who were Korem 011-Lilawangsa personnel. The research method used was a quantitative method, for the data analysis method using Structural Equation Modeling (SEM).The results of this study indicate that digital leadership has a significant effect on organizational commitment, transformational leadership has a significant effect on organizational commitment. Digital leadership has a significant effect on the performance of Korem 011-Lilawangsa apparatus, transformational leadership has a significant effect on the performance of Korem 011-Lilawangsa apparatus.
Pengaruh Content Marketing, Shopping Lifestyle, dan User Experience terhadap Keputusan Pembelian di Marketplace Shopee (Studi Kasus Pada Mahasiswa Fakultas Ekonomi dan Bisnis Unimal Lhokseumawe) Safinatun Naja; Jullimursyida Jullimursyida; Sapna Biby; T. Edyansyah
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 04 (2026): AGUSTUS - SEPTEMBER 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh content marketing, shopping lifestyle, dan user experience terhadap keputusan pembelian di Marketplace Shopee pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Malikussaleh Lhokseumawe. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 96 responden. Alat analisis yang digunakan adalah analisis regresi linier berganda dengan bantuan program SPSS Versi 21. Hasil penelitian menunjukkan bahwa secara parsial content marketing berpengaruh positif dan signifikan terhadap keputusan pembelian dengan nilai t hitung sebesar 2,287 dan signifikansi 0,024. Variabel shopping lifestyle juga berpengaruh positif dan signifikan terhadap keputusan pembelian dengan nilai t hitung sebesar 3,433 dan signifikansi 0,001. Selanjutnya, user experience berpengaruh positif dan signifikan terhadap keputusan pembelian dengan nilai t hitung sebesar 4,722 dan signifikansi 0,000. Secara simultan, ketiga variabel independent berpengaruh terhadap keputusan pembelian dengan nilai koefisien determinasi (Adjusted R Square) sebesar 0,540, yang menunjukkan bahwa 54% variasi keputusan pembelian dapat dijelaskan oleh variabel content marketing, shopping lifestyle, dan user experience, sedangkan sisanya sebesar 46% dipengaruhi oleh faktor-faktor lain di luar model penelitian.
Co-Authors ., Indah Safira A Hadi Arifin Adnan Adnan Adnan Agustinawati AHMAD AZMI M. ARIFFIN Ahmad Syahril Zaimul Aina Shakila Ainna Mahrum Nasution Aiyub Yahya Ali Imran Alya Musnida Angga Wibawa Ariana Hasibuan Aulia, Misnatul Azhar Azhar Hj. Ahmad Bachri, Nauval Badri Rangga Banurea Baehaqi Bahri, Halida Chalirafi, Chalirafi Chandra, Julian Cut Annisa Sabilla Cut Nurul Azman Darmawati Darmawati Muchtar Deasy Siska Defiah Anggarini Br Manurung Desi Eka Pratiwi Diana Chalil EM Yusuf Iis Eva Juwita Fidya Amira Nasution Fira Aziza Simanjuntak Gazali Syamni Hamdiah Hamdiah Hamdiah Hamdiah Hasibuan, Ahmad Fauzul Hakim Heni Wahyuni Heriyana Heriyana Herman Fithra Ibrahim Qamarius Iga Mayada Ikramuddin, Ikramuddin Inta Ulfa Iskandarsyah Jihan Fahira Khairawati Khairawati, Khairawati Khairina Abdurrahman Khairina AR Khairina AR Khalsiah Khalsiah Laila Tussaa’dah M Subhan M. Subhan M.Subhan Mahathir Febrian Marbawi, Marbawi Mariyudi Mariyudi Mariyudi Marzuki Marzuki Matriadi, Faisal Mawardati Mawardati Mawardati Maya Rahayu Mentari Riswanti Mirna Zahara Miskarina Miskarina Mohd. Heikal Mohd. Heikal Mohd. Heikal Mohd.Heikal Muammar Khadafi MUCHSIN Muchsin Muchsin Muchtar, Darmawati Muhammad Aris Muladi Muhammad Taufan Syahqran Zazil Munandar Munandar Munandar Mursyidah Naufal Bachri, Naufal Nisa Humaira Nur Faliza Nurainun Nurhafifah Nurmalawati Nurmalawati Nurul Azmi Paramita, Loly Purba, Yulia Puteh, Anwar Putri Aklima Putri Minda Sari Rahmaniar Rahmaniar Rahmaniar Rahmaniar Rahmaniar Rahmaniar Rahmawati Rahmawati Razaki, Gus Rico Nur Ilham Rifki Ramadhan Riska Yulia Putri Risky Al Haddid Rizal Karmana Rizkina Putri Mahmuddin Rozanna Dewi Safinatun Naja Safriani Sapna Biby Sapna Biby Selvi Evika Syahrul Hidayat Syamsul Bahri Syfa Ayu Ningrum T. Edyansyah, T. Edyansyah Teuku Zulkarnaen Ulya Alfandi Wahda Tunisa Wahyuddin Wahyuddin Albra Widyana Verawaty Siregar Yanita Yulia Yulia Zahra Tsalisa Zikra Zikra Bunga Afsara Zulfan Zusma Widawaty A Wahab