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All Journal Al-Kharaj: Journal of Islamic Economic and Business Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Amkop Management Accounting Review (AMAR)
Kusmilawaty
Universitas Islam Negeri Sumatera Utara
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 Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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THE EFFECT OF CUSTOMER REVIEWS AND PRODUCT QUALITY ON BUYING INTEREST THROUGH PRODUCT UNDERSTANDING (CASE STUDY: GLAD2GLOW) Indah Lestari; Nurlaila; Kusmilawaty
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 2 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i2.3896

Abstract

This study aims to determine the effect of customer reviews and product quality on purchasing interest through product understanding from Glad2Glow. The sampling technique uses non-probability sampling with a purposive sampling method with a sample size of 100 respondents. Using the Multiple Linear Regression method and using the SPSS22 application. This study uses a quantitative approach. The data source used in this study uses primary data obtained from distributing questionnaires to respondents. This study aims to analyze the effect of customer reviews and product quality on consumer purchasing interest with product understanding as an intervening variable in the Glad2Glow product. The results of the study indicate that customer reviews play an important role in increasing consumer understanding of a product. Clear, informative, and positive reviews help consumers understand the advantages, disadvantages, and overall experience of using the product, thus forming trust and encouraging purchasing interest. In addition, product quality has also been shown to have a positive and significant influence on purchasing interest.
Analysis Of The Effectiveness Strategy Of E-Samsat In Increasing Motor Vehicle Tax Revenue At The Kisaran Pependa UPTD Kiki Ardiani; Muhammad Lathief Ilhamy Nasution; Kusmilawaty
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8397

Abstract

This research was conducted at the Kisaran Regional Revenue Service Office (UPTD Pependa) to analyze the effectiveness of e-Samsat in increasing motor vehicle tax revenue, addressing the issue of low public participation in paying taxes through the e-Samsat application. The method used in this study was a qualitative research method with a descriptive approach. Data collection techniques used were field studies consisting of observation, interviews, and documentation. The findings indicate that E-Samsat is very efficient in improving internal administrative processes, reducing recording errors, and accelerating financial reporting. However, its effectiveness in increasing overall PKB revenue remains low, marked by minimal taxpayer participation (0.153%). This is due to uneven and ineffective socialization, as well as slow community adaptation due to low digital literacy, limited access to technology, and doubts about the security of online systems amidst rampant fraud and lack of education. The implication is that although E-Samsat is an efficient innovation, its full potential in increasing PKB revenue has not been achieved, requiring a more comprehensive and equitable socialization strategy, increased technological accessibility, and ongoing education to build public trust and digital literacy.
From Digital Literacy to Saving Interest: Analysis of the Influence of Brand Image as a Moderating Factor in Account Opening at Bank Sumut Syariah Sibolga: Dari Literasi Digital ke Minat Menabung: Analisis Pengaruh Brand Image sebagai Moderasi dalam Pembukaan Rekening di Bank Sumut Syariah Sibolga Sarah Febrian; Muhammad Syahbudi; Kusmilawaty
Amkop Management Accounting Review Vol. 5 No. 2 (2025): July - December
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3222

Abstract

The development of digital technology has driven significant changes in people's financial behavior, including saving habits and account opening at banking institutions. This study aims to analyze the effect of digital literacy on saving interest and the role of brand image as a moderating variable in account opening. The research employs a quantitative method with a moderation regression approach, based on data collected from 100 respondents who have access to banking services in Indonesia. The results indicate that digital literacy has a positive and significant effect on saving interest. Furthermore, brand image strengthens the relationship between digital literacy and saving interest, suggesting that a positive perception of banking institutions can enhance the trust of potential customers.
Co-Authors Indah Lestari Kiki Ardiani Muhammad Lathief Ilhamy Nasution Muhammad Syahbudi Nurlaila Sarah Febrian