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All Journal JAM : Jurnal Aplikasi Manajemen EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis MIX : Jurnal Ilmiah Manajemen Binus Business Review Religious: Jurnal Studi Agama-Agama dan Lintas Budaya Jurnal Mirai Management Asia-Pacific Management and Business Application Jurnal Bisnis dan Manajemen Jurnal EMT KITA Jurnal Studi Manajemen dan Bisnis Agregat: Jurnal Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) SEIKO : Journal of Management & Business JURNAL EDUCATION AND DEVELOPMENT Journal of Secretary and Business Administration YUME : Journal of Management JURISMA: Jurnal Riset Bisnis & Manajemen JURNAL MANAJEMEN BISNIS Jurnal Ekonomi dan Bisnis Dharma Andalas Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi JEMMA | Journal of Economic, Management and Accounting To Maega: Jurnal Pengabdian Masyarakat Journal of Research in Business, Economics, and Education International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Jurnal Syntax Transformation Jurnal Fokus Manajemen Bisnis ATRABIS: Jurnal Administrasi Bisnis (e-Journal) Journal of Industrial Engineering & Management Research (JIEMAR) Jurnal Ekonomi Prosiding Konferensi Nasional PKM-CSR Indonesian Journal of Business Analytics (IJBA) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Journal of the Community Development in Asia Asia Pacific Journal of Management and Education Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) eProceedings of Management Enrichment: Journal of Multidisciplinary Research and Development KONTAN: Jurnal Ekonomi, Manajemen dan Bisnis Multidisciplinary Indonesian Center Journal Jurnal Pengabdian Indonesia Jurnal Sekretaris & Administrasi Bisnis
Putu Nina Madiawati
Administrasi Bisnis, Telkom University
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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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
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 ROLE OF ENVIRONMENTAL KNOWLEDGE IN MEDIATING THE RELATIONSHIP BETWEEN GREEN PROMOTION AND GREEN PACKAGING ON GREEN PURCHASE BEHAVIOR IN EASY GREEN PRODUCTS BY UNILEVER Zidan Basyarahil Rais Pambudi; Putu Nina Madiawati; Arry Widodo
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 2 (2026): Vol. 3 No. 2 Edisi April 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i2.2506

Abstract

The increasing environmental issues, particularly the problem of plastic waste in Indonesia, as well as the gap between awareness and purchasing behavior of environmentally friendly products, have become important phenomena in this study. This study aims to analyze the effect of green promotion and green packaging on green purchase behavior, as well as to examine the role of environmental knowledge as a mediating variable in Easy Green Unilever products. In this study, data were collected through a survey distributed to users of Easy Green Unilever products in Indonesia, with a total of 400 respondents obtained. The research method employed a descriptive and quantitative approach, using non-probability sampling with a purposive sampling technique. In data processing, this study utilized SmartPLS software. The results indicate that green promotion and green packaging have a positive and significant effect on green purchase behavior. In addition, environmental knowledge is proven to have a significant effect on green purchase behavior and is able to mediate the relationship between green promotion and green packaging on green purchase behavior. The conclusion of this study emphasizes that increasing consumers’ environmental knowledge is a key factor in strengthening the effectiveness of green marketing strategies in encouraging environmentally friendly purchasing behavior.
Building Digital Purchase Decisions through the Synergy of E-Marketing Mix and Consumer Trust Sukmadia Sumpena; Putu Nina Madiawati; Agus Maolana Hidayat
Indonesian Journal of Business Analytics Vol. 6 No. 2 (2026): April 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v6i2.16486

Abstract

The development of internet technologies has altered how individuals buy fashion things. Websites and mobile applications are becoming increasingly important to consumers for information searches, product comparisons, and purchasing. This change encourages many fashion businesses to enhance their official e-commerce platforms. However, high traffic does not always result in high sales conversion. This study examines how trust and the e-marketing mix affect purchase intention and decision using an official fashion e-commerce platform. The study employed a quantitative methodology, analysing data collected from clients who registered and made purchases through the company's mobile application or website using SEM-PLS. The findings demonstrate that while buying intention has the greatest impact on purchase decision, e-marketing mix and trust have a favourable and significant effect on purchase intention. Additionally, purchasing intention mediates the impact of both factors on the choice to buy.
The Effect of Improvisational Behavior on Sales Performance, Mediated by Product Knowledge, Adaptive Selling Behavior, and Challenge Orientation Fajar Soefany; Putu Nina Madiawati; R. Amalina Dewi Kumalasari; Rd. Nurafni Rubiyanti; Arry Widodo
Enrichment: Journal of Multidisciplinary Research and Development Vol. 4 No. 4 (2026): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v4i4.706

Abstract

The increasing competition in the premium decorative paint industry requires salespeople to possess adaptive capabilities beyond technical knowledge to achieve sustainable sales performance. In dynamic market environments, improvisational behavior becomes an important capability that enables salespeople to respond creatively to unexpected customer demands and complex selling situations. This study aims to examine the effect of improvisational behavior on sales performance by investigating the mediating roles of product knowledge, adaptive selling behavior, and challenge orientation among salespeople of PT Cat X in the Sumatera Region. A quantitative explanatory research design was employed using a cross-sectional survey approach. The study involved 57 salespeople selected through a census sampling technique. Data were collected using a five-point Likert scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results indicate that improvisational behavior significantly influences product knowledge, adaptive selling behavior, and challenge orientation. However, product knowledge and adaptive selling behavior do not have significant direct effects on sales performance. Conversely, challenge orientation significantly affects sales performance and serves as a significant mediator in the relationship between improvisational behavior and sales performance. The structural model explains 67.5% of the variance in sales performance. These findings highlight that motivational transformation through challenge orientation is a key mechanism linking improvisational capability to salesperson effectiveness. Therefore, organizations should prioritize challenge-oriented development programs to enhance sales performance in competitive markets.
DEVELOPMENT OF A B2B MARKET PENETRATION STRATEGY FOR ANTARES EAZY CCTV PRODUCTS AT PT TELKOM INDONESIA Zamaludin Abdulah; Putu Nina Madiawati; Arry Widodo
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.v3i1.1626

Abstract

The CCTV industry continues to grow rapidly and is projected to reach a global market value of USD 75 billion by 2025. Amid strong competition from international players such as Hikvision and Dahua, PT Telkom Indonesia seeks to strengthen the position of its Antares Eazy CCTV product in the B2B market. This study analyzes the determinants of Purchase Intention toward Antares Eazy using the PLS-SEM approach, focusing on Service Quality, product quality, Pricing, Trust, and Brand Awareness as a moderating variable. Data were collected from 47 companies that use or potentially use CCTV solutions. The findings demonstrate that Service Quality, product quality, and Pricing exert significant effects on Trust, which subsequently influences Purchase Intention. Brand Awareness reinforces this relationship. The findings highlight the need for improved after-sales service, product enhancement, and more competitive Pricing strategies to strengthen Antares Eazy’s competitiveness in the B2B CCTV market.
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.
THE INFLUENCE OF CONTENT MARKETING, OMNICHANNEL MARKETING, AND ELECTRONIC WORD OF MOUTH ON PURCHASE DECISIONS THROUGH BRAND AWARENESS IN THE BCA ‘DON’T KNOW KASIH NO.’ ADVERTISEMENT Syahdan Muhamad Rezky; 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.v3i1.1749

Abstract

Digital transformation has reshaped the marketing communication paradigm of the banking industry in Indonesia, encouraging financial institutions to adopt creative strategies to reach digital consumers. This study aims to analyze the influence of content marketing, omnichannel marketing, and electronic word of mouth (eWOM) on purchase decisions through brand awareness in BCA’s public service advertisement “Don’t Know Kasih No!”. This banking security education campaign successfully garnered more than 100 million views through its unique storytelling approach, engaging audiovisual elements, and relevant humor, making it an interesting phenomenon to be examined scientifically. This research employs a descriptive quantitative method using the Structural Equation Modeling–Partial Least Square (SEM-PLS) approach. The research population consists of Indonesian individuals aged 17–40 years (Generation Z and Millennials) who are BCA customers and have been exposed to the “Don’t Know Kasih No.!” advertisement. The sample size was determined using Cochran’s formula, resulting in a minimum of 100 respondents, selected through purposive sampling. Data were collected using an online questionnaire developed based on a five-point Likert scale containing 47 statement items. Data analysis was conducted using SmartPLS 4.0 to evaluate validity, reliability, and structural hypothesis testing.
ELECTRONIC WORD OF MOUTH ANDA RELIGIOSITY ON PURCHSE INTENTION: THE MODERATING ROLE OF BRAND HATE AMONG STARBUCKS CONSUMERS IN INDONESIA Shilmy Diyani; Putu Nina Madiawati; Nurafni Rubiyanti
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.v3i1.1849

Abstract

The emergence of consumer boycotts driven by socio-political issues reflects a fundamental shift in consumer behavior in the digital era. In Indonesia, a country characterized by high religiosity and extensive social media engagement, the rapid dissemination of negative information through electronic word of mouth (e-WOM) can trigger strong emotional reactions toward brands. Starbucks Indonesia represents a salient case in which the brand became associated with the Israel–Palestine conflict, generating moral debates, religious sentiments, and intense brand-related hostility in digital spaces. In this context, consumers act not merely as rational economic actors, but as moral agents whose purchasing decisions are influenced by deeply held values and beliefs. This study aims to examine the effects of e-WOM and religiosity on purchase intention, with brand hate serving as a moderating variable among Starbucks consumers in Indonesia. Specifically, the research investigates how exposure to negative online narratives and consumers’ religiosity shape emotional responses in the form of brand hate, and how these responses influence purchasing intentions within a boycott context. A quantitative research design was employed using a survey method targeting Starbucks consumers in Indonesia who were aware of the boycott related to the Israel–Palestine conflict. Data were collected through structured questionnaires and analyzed using structural equation modeling to assess both direct and indirect relationships among variables, including the moderating role of brand hate. This approach enables a comprehensive understanding of the psychological and behavioral mechanisms underlying consumer responses to value-laden and morally sensitive issues. The findings reveal that electronic word of mouth has a significant effect on purchase intention. Religiosity also influences purchase intention, both directly and indirectly through the formation of brand hate. Moreover, brand hate significantly moderates the relationship between e-WOM and purchase intention, such that higher levels of brand hate intensify the decline in consumers’ willingness to purchase. These results highlight the critical role of morally driven negative emotions in explaining reduced purchase intention during boycott movements. This study contributes theoretically by extending consumer behavior literature through the integration of digital communication, religiosity, and negative brand emotions within a single conceptual framework. Practically, the findings suggest that global brand managers should adopt culturally and religiously sensitive communication strategies and proactively manage digital narratives to mitigate the escalation of brand hate amid socio-political controversies.
Co-Authors A.Cut Indah Adi Wirawan Agus Maolana Hidayat Aldi Akbar Anggara Siswanajaya Anita Silvianita Aprelia Rizki Prastika Arif Kuswanto Arif Partono Prasetio, Arif Partono Arry Widodo Aryapermana, Rizqy Fathurrahman Asti, Elvina Syafira Ayu Setyaningrum Az-Zahra, Putri Bagja Abdullah Sufyan Banu Surya Ganea Wijaya Barus, Viljen Kaginta Baskara, Muhamad Boby Jamis Hari Sel Brady Rikumahu Bunga Adelia Putri Choirie, Achmad Thariqul Citra Kusuma Dewi Clarisa Salsabila Davide Calandra Delanera Rizkia Devia Setiawati, Devia Dhiya Shafa Dian Indiyati Dicky Hidayat Dudi Pratomo Ella Manisa Br Karo Erlangga, Yogi Erlita Fadhlullah, Ahmad Fahira, Luwisca Fajar Soefany Fakhira Azzahra Farida Titik Kristanti Fauziah, Farizsa Rianka Federico Lanzalonga Fina Septiani Fuji Dwi Rani Ghaluh Iedmu’ammar Iedmu’ammar Gunardi, Muhammad Raihan Aufa Haifa Salsabila Handono, Artiar Anjani Hidayat, Dani Rizki Ida Nurnida Imanuddin Hasbi Indah Fransiska Insani, Nabilah Alya Ita Nursita Sari Jayabaya, Petrus Jella Zumalia Fitri Krisdamayanti, Sintya Lucky Roy Saputra Madani, Akmal Mulki Mahir Pradana Michele Oppioli Mitha Permata Pura Mohamad Ridwan Noor Mokhamad Wildan Marzuqon Muhamad Baskara Muhammad Maulvi Mussalman Nabilah Alya Insani Nabilla Dyah Eka Pramudhita Negara, Arif Bijaksana Prawira Ni Ketut Tiara Astiti Nila Dewi A. Nindy Resti Puranda Nugroho, Nova Azhar Nur Kholifah, Cantika Nur Sheha Gunawan, Ahmad NURUL RAHMAWATI Nuslih Jamiat Otari Adelia Tambunan Ovio Destiana Sugiono Pane, Eryanda Rizki Pardede, Nova Lina Kristin Pratama, Agung Putra Pratiwi, Nabila Puranda, Nindy Resti Puranda, Nindy Resti Purba, Hera Glatia Friskilia Putra, Kurniawansyah R. Amalina Dewi Kumalasari R. Nurafni Rubiyanti Raihana, Annisa Lathifah Rama Ramadhani, Zahira Hasna Aulia Ramadhanny, Allisyah Noer Fitri Rania Salsabila Ratih Hendayani Robi Latansa Rohmah, Hannah Nasriatun Najah Nur Roza Tri Meilani Rozy Fauzana Saefudin, Miftah Fauzil Adhim Sanusi, Dede Sukmadyanto Saradha Kirana Sarah Miranda Sazkia Alifia Rachmah Setyaningrum, Ayu Sherly Artadita Shilmy Diyani Sitohang, Fitri Melani Sukmadia Sumpena Sulistijono Sulistijono Syahdan Muhamad Rezky Syahputra Syahputra Syahputra Syahputra Tiara Maharani, Tiara Tri Indra Wijaksana Udayanti, Imel Valencia Sahanaya Wicaksono, Yoga Tri Wulandari, Alivia Trisnanda Ynry Purnamasari Yogi Suprayogi Yudha Aditya Gozali Tahir Zamaludin Abdulah Zidan Basyarahil Rais Pambudi