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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Journal of Economic, Bussines and Accounting (COSTING) Distribusi SEIKO : Journal of Management & Business JURNAL PENDIDIKAN TAMBUSAI JURNAL MANAJEMEN (EDISI ELEKTRONIK) Inovasi: Jurnal Ilmiah Ilmu Manajemen Jurnal Akuntansi Bisnis Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah BASKARA: Journal of Business and Entrepreneurship Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis East Asian Journal of Multidisciplinary Research (EAJMR) Jurnal Informasi Sains dan Teknologi (ISAINTEK) Formosa Journal of Multidisciplinary Research (FJMR) Jurnal Pengabdian Masyarakat Sains dan Teknologi Sewagati: Jurnal Pengabdian Masyarakat Indonesia Jurnal Pijar : Studi Manajemen dan Bisnis Journal of Management and Social Sciences Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Jurnal Pemberdayaan: Publikasi Hasil Pengabdian kepada Masyarakat (JPM ITTC ) Journal of Artificial Intelligence and Digital Business Madani: Multidisciplinary Scientific Journal Nanggroe: Journal Of Scholarly Service Jurnal Kabar Masyarakat Jurnal Pengabdian Kepada Masyarakat Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Riset Ilmu Manajemen Bisnis dan Akuntansi Jurnal Pelayanan Hubungan Masyarakat Nanggroe: Journal of Scholarly Service Student Research Journal IIJSE JEBD Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Journal of Business Economics and Management Journal of Ekonomics, Finance, and Management Studies Jurnal Cendekia Ilmiah International Journal of Social, Economic, and Business As-Syirkah: Islamic Economic & Financial Journal Economics and Business Management Journal Academia Open Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Riset dan Inovasi Manajemen
R. Yuniardi Rusdianto
Administrasi Bisnis, Universitas Pembangunan Nasional “Veteran” Jawa Timur
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Transportation Other

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Mekanisme Penilaian Pemberian Kredit Dalam Meminimalisir Risiko Kredit Pada Bank BJB KCP Mojokerto Tarissa Seshita Hadi; R. Yuniardi Rusdianto
Journal of Management and Social Sciences Vol. 3 No. 1 (2024): February : Journal of Management and Social Sciences
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar Jl. Sumba no 46, Kota Makassar, Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimas.v3i1.971

Abstract

Bank BJB KCP Mojokerto which is located on Jl Majapahit No. 333C-333D, Kranggan, Mojokerto City is one of the banks that provides credit facilities for the public. This research aims to determine the credit assessment mechanism of Bank BJB KCP Mojokerto in minimizing credit risk. This research uses qualitative methods with observation, interview and documentation techniques. The research results show that bank BJB KCP Mojokerto has implemented good credit assessment using the 5C principles with character and capacity as the bank's main assessment in minimizing credit risk. This research suggests banks improve the risk analysis system, strengthen risk management, strengthen collaboration between the credit assessment department and the risk management department, and provide education to creditors regarding the systematics of credit applications.
Implementasi Design Thinking Dalam Product Management Untuk Menciptakan Layanan Fintech “Paymily” Dhiya Ul Hikmah; R. Yuniardi Rusdianto
Journal of Management and Social Sciences Vol. 3 No. 1 (2024): February : Journal of Management and Social Sciences
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar Jl. Sumba no 46, Kota Makassar, Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimas.v3i1.983

Abstract

Fintech, or financial technology, is one of Indonesia's sectors with the quickest rate of growth.. This growth is driven by the increasing demand for people for fast, easy, and affordable financial services. One of the most popular fintech products is the e-wallet. In creating a successful e-wallet product, It's critical to comprehend user requirements and preferences. Design thinking is a user-centered approach to product development. This method can help product management teams to understand user needs, define the problem they want to solve, and generate innovative and user-centered solutions.
Effectiveness of Umroh Budget Funds on the Increasing Number of Umroh Pilgrimages at PT Hanan Nusantara Tabung Haji Umroh Amalia Aisyah Putri; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6544

Abstract

This study aims to determine effectiveness bailout system to improve​ the number of umrah pilgrims at PT Hanan Nusantara – Tabung Haji Umrah. This research uses the method study qualitative descriptive method and data collection process carried out employing field research (direct research in the field). The determination of the sample to be used in this study is the Branch Head, Umrah pilgrims of PT. Hanan Nusantara - Tabung Haji Umroh and SPV manifest (who regulates the entire Umrah trip). Findings This research shows indicator effectiveness used​ as a reference in measuring the extent to what extent this program has succeeded in improving a number of worshipers in each month.
The Influence of Social Media Marketing, Brand Awareness, and Brand Love on Brand Loyalty in Customers of Azarine Skincare Products in the City of Surabaya Lilyana Fransiska Sinaga; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6648

Abstract

Facial care, also known as skincare, has become an important part of people's lives, especially for women. The high level of awareness among the public to care for their facial skin so that it remains healthy and well-groomed has made the beauty industry experience rapid growth, especially in Indonesia. One of the local brands in the beauty industry in Indonesia is the Azarine brand. This research was conducted to find out what factors can influence customers in purchasing skincare products from the Azarine brand. The purpose of the research is to analyze the influence of social media marketing, brand awareness and brand love on brand loyalty among customers of Azarine skincare products in the city of Surabaya. This research uses quantitative research methods with associative descriptive research. The data collection technique is in the form of a survey using a questionnaire instrument. The sample used was160 respondents, who were taken from the research population, namely customers who have purchased Azarine skincare products who live in Surabaya City in 2024. The results of this research show that 1) Social Media Marketing, Brand Awareness, and Brand Love simultaneously influence Brand Loyalty for Azarine skincare products. 2) Social Media Marketing has a partial positive influence on Brand Loyalty for Azarine skincare products. 3) Brand Awareness has a partial positive influence on Brand Loyalty for Azarine skincare products. 4) Brand Love has a partial positive influence on Brand Loyalty for Azarine skincare products.
The Influence of User-Generated Content (UGC), Electronic Word of Mouth (e-WOM), and Perceived Product Quality on Purchase Intention of Somethinc Products (Case Study on Followers of TikTok @somethincofficial) Zefania Mikha Manurung; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.6841

Abstract

This study utilizes a quantitative approach aimed at determining both the partial and simultaneous effects of user-generated content, electronic word of mouth, and perceived product quality on purchase intention for Somethinc products. With the rapid growth of digital marketing, especially on platforms like TikTok, gaining insight into these factors plays a vital role in brands' efforts to influence consumer behavior. The study’s population consists of followers of the @somethincofficial TikTok account. A total of 204 respondents were selected using the Slovin formula, with purposive sampling applied based on specific criteria such as TikTok users born in 1997-2012, followers of the @somethincofficial TikTok account, knowing the Somethinc brand, and having seen content or reviews about Somethinc products. Multiple linear regression analysis was used for data analysis. This study reveals that user-generated content, electronic word of mouth, and perceived product quality, both simultaneously and partially, exert a significant influence on purchase intention for Somethinc products.
Influence of Electronic Word of Mouth, Perceived Quality, and Customer Engagement on Brand Trust (Study on Generation Z Women Wardah Cosmetics Users in Surabaya) Fikha Fitriyah; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.7113

Abstract

This research was conducted to determine the effect of Electronic Word of Mouth, Perceived Quality and Customer Engagement on Brand Trust in Generation Z Female Wardah Cosmetic Users in Surabaya City. This research uses a quantitative approach. The population in thus study in Generation Z Women in Surabaya City who have purchased Wardah cosmetic. The data collection technique used a questionnaire with a sample size of 205 respondents. The data collection technique uses multiple liniear analysis. The results of this study indicate that simultaneously electronic word of mouth (X1), perceived quality (X2) and customer engagement (X3) have a positive and significant effect on brand trust. Furthermore, partially electronic word of mouth (X1), perceived quality (X2) and customer engagement (X3) have a positive and significant effect on brand trust.
The Influence of Perceived Quality, Perceived Ease of Use, and Perceived Transaction Security on User Satisfaction in Flip Application (A Study on the Millennial Generation and Generation Z) Veronica Mechy Luklu'ul Firdaus; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.7245

Abstract

The development of technology, especially information technology, has penetrated various sectors in Indonesia, from education to banking. With this, banking access can be used by all groups flexibly through fintech services. Flip is a real example of how technology services can collaborate with the banking sector to expand the reach of its services. Flip. The application helps its users to make free interbank transfers, send money abroad via Flip Globe, top up e-wallets, pay electricity bills, buy electricity tokens, top up credit, buy data packages, Internet & TV, BPJS Health, Credit Installments at affordable costs. This study aims to test the effect of perceived quality, perceived ease of use, and perceived transaction security on user satisfaction in the flip application (a study of the millennial generation and generation z). The population in this study were all residents in the city of Surabaya who had made transactions using the Flip application. The data collection method was through a survey using a questionnaire to 155 respondents with a non-probability sampling method through Purposive Sampling. Data analysis techniques include testing validity, reliability, classical assumptions, multiple linear regression, coefficient of determination, F test and t test. The results showed that simultaneously the variables perceived quality, perceived ease of use, and perceived transaction security have a significant effect on user satisfaction. Partially perceived ease of use and perceived transaction security have a significant positive effect on user satisfaction, while perceived quality has a positive but insignificant effect.
The Influence of Ease of Use, Application Features, and E-Trust on E-Satisfaction (Study on Motion Trade Investment Application Users) Fitri Auliya Rijali; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7378

Abstract

This study is motivated by the growing development of financial technology, particularly in the category of online investment. One of the online investment apps available in Indonesia is Motion Trade. The objective of this study is to analyze the influence of ease of use, application features, and e-trust on e-satisfaction in the Motion Trade investment application, both simultaneously and partially. This research employs a quantitative methodological approach, with data obtained through the administration of an online questionnaire. A purposive sampling method, a type of non-probability sampling, was employed to acquire a sample of 156 respondents. For data analysis, this research employs the technique of multiple linear regression. The results reveal that the variables of ease of use, application features, and e-trust contribute positively and significantly to e-satisfaction, both simultaneously and individually. These findings suggest that improving ease of use, enhancing application features, and building user trust can effectively increase user satisfaction with the Motion Trade application.
The Influence of Brand Preference, Perceived Quality, and Brand Trust on Repurchase Intention (A Study on Somethinc Product Users in Surabaya) Sekar Harum Puspita; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The phenomenon of increasing consumer interest in local skincare products, along with the importance of understanding the variables influencing repurchase intention, has become increasingly relevant. Therefore, this study aims to examine the effect of brand preference, perceived quality, and brand trust on repurchase intention among users of Somethinc products in Surabaya. This research employed a quantitative approach, with data collected through questionnaires distributed to 150 respondents. The questionnaire was developed using a likert scale, and the data were analyzed through multiple linear regression. The results of the study reveal that: (1) Brand preference, perceived quality, and brand trust together have a significant influence on the repurchase intention of Somethinc products in Surabaya; (2) Brand preference has a positive and significant partial influence on repurchase intention; (3) Perceived quality has a positive and significant partial influence on repurchase intention; and (4) Brand trust has a positive and significant partial influence on the repurchase intention of Somethinc products in Surabaya.
The Influence of Brand Image, Brand Experience, and Brand Satisfaction on Brand Loyalty in Avoskin Skincare (A Study of Avoskin Skincare Consumers in Surabaya) Andramaya Kusuma Ningtyas; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Technological advancements and global market developments have driven of the beauty sector in Indonesia. Positive prospects in the beauty sector encourage many local brands, including Avoskin to compete in an increasingly competitive market. In this competition, the brand's ability to build and maintain Brand Loyalty is the key to success. The purpose of the research conducted is to analyze the influence of Brand Image, Brand Experience, and Brand Satisfaction on Brand Loyalty in Avoskin skincare (A Study of Avoskin Skincare Consumers in Surabaya City). This study adopted a quantitative method with an associative descriptive type. The data collection technique in this study was an online questionnaire via Google Form. The study sample consisted of 150 respondents who live in the city of Surabaya and have purchased Avoskin skincare products. The statistical analysis employed in this study is multiple linear regression. The findings of the study show that Brand Image, Brand Experience, and Brand Satisfaction simultaneously have a significant influence on Avoskin skincare Brand Loyalty. Partially, Brand Image exhibits a significant positive influence on Avoskin skincare Brand Loyalty, Brand Experience exhibits a significant positive influence on Avoskin skincare Brand Loyalty, and Brand Satisfaction exhibits a significant positive influence on Avoskin skincare Brand Loyalty.
Co-Authors Adelia, Nabila Ais Mariya Ulva Alfina Rahma Nazilal Mubarok Alodiya Sifa Meiyantika Amalia Aisyah Putri Andramaya Kusuma Ningtyas Andri Rizal Setiawan Annisa Cindy Maurina Ardhita, Dynda Sovia Aryanta, Agnesya Putri Avita Agustin Listiawan Bhakti, Yogi Surya Candani, Ayu Meiratara Karunika Meta Charles Fernando Marpaung Cintia Nur Halimatussa’diyah Damayanti, Affiva Lindi Damayanti, Diana Putri Daniel Putra Prastyawan Daniel Putra Prastyawan Dhiya Ul Hikmah Dhiya Ul Hikmah Dinar Pramadhani Diva Faridathul Ilmi Elvira Aprilia Primastika Erica Trisnawati Erwina Putrikuri, Kharisma Euis Jihan Nur Faadhilah Farahsalsabil Yudhiane Cantika Farikhah Nur Azizah Fauziyyah Hadi Fera Kurnianingsih Fidiyah Ika Nur Rohmah Fikha Fitriyah Fira Rosida Fitri Auliya Rijali Hudiyah, Intan Fairuz Indra, Felicia Aurelia Putri Intan Dwi Cahyani, Intan Dwi Lilyana Fransiska Sinaga Madona Diadora Maurina, Annisa Cindy Merlina Aris Fitria Dewi Mitha Anggisna Angreini Mustabsyiroh Kumala Naila Salsa Nabila Najwa Sekar Maulidha Naurah Zulfa Salsabila Nila Amelia Aji Ninda Nur Aprilia Novia Ramadhani Gaffar Nur Bany, Maulyna P.D, Abdul Chofit Muklis Pratama, Duta Akbar Puspakaritas, Ferdiana Nur Putri, Salwa Az Zhahra Putry Meysa Selvina Ra Nadia Triyana Serli Rahmatin, Devina Zulia Ramadanti, Arin Oktavia Ramadhani, Oktavia Regita Restiatin Restiatin Risa Bonani Prastika Robby Aditya Robby Aditya Rohmah, Fidiyah Ika Nur Rohmatin, Ana Fitria Roisyah Puspa Sari Rosida, Fira Salma, Fatiha Savira Maslihatul Mamlu’ah Sekar Harum Puspita Silmi Rahmani Siti hidayatul Khoirun Nisa' Sven Inggil Anugerah Kretarto Syalaisa Amani Fatihah Tarissa Seshita Hadi Veronica Mechy Luklu'ul Firdaus Wardah, Fitri Aulia Widyana Dini Maylinda Wildan Jovian Wahyu Tyas Saputra Zefania Mikha Manurung Zidane Prakoso