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Mobile Payment Adoption in Marketing Transactions: A Study of Women Entrepreneurs in Makassar's Retail Sector Riu, Isma Azis
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 2 (2025): December
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i2.364

Abstract

This study investigates how women micro-retail entrepreneurs in Makassar adopt and integrate mobile payment systems within their everyday business practices. Using a phenomenological design, the research foregrounds lived experiences to reveal that adoption is neither linear nor purely technology-driven. Instead, it is shaped by functional convenience, trust dynamics, peer-based learning, hybrid cash–digital routines, and the gendered realities of time poverty and informal financial histories. Findings show that while mobile payments offer efficiency, status gains, and expanded customer reach, they also introduce new obligations related to digital recordkeeping, platform management, and risk exposure. Social capital emerges as a critical enabler that accelerates skills acquisition and legitimizes usage, yet interpersonal expectations tied to cash-based norms continue to moderate full transition toward digital payments. The study advances socio-technical and gender-aware interpretations of fintech adoption by integrating TAM, social capital, and behavioral perspectives. Practical implications emphasize the need for platform refinements, modular literacy programs, and community-based training that align with women entrepreneurs’ constraints and relational practices. The research calls for policy frameworks that balance technological innovation with culturally grounded support mechanisms to strengthen inclusive digital financial ecosystems in urban micro-retail markets.
Diversifikasi Produk Jagung sebagai Upaya Peningkatan Nilai Tambah di Desa Tarowang Jeneponto Hasdiansa, Ilma Wulansari; Hasbiah, Sitti; Sandira, Nur Fadilah Ayu; Sarah, Nulthazam; Riu, Isma Azis
Seminar Nasional Pengabdian Kepada Masyarakat SEMINAR NASIONAL 2025:PROSIDING EDISI 6
Publisher : Seminar Nasional Pengabdian Kepada Masyarakat

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Abstract

Abstrak – Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas dan nilai tambah ekonomi petani jagung melalui sosialisasi inovasi produk olahan berbasis jagung di Desa Tarowang, Kabupaten Jeneponto. Kegiatan dilaksanakan pada 21 Juni 2025 secara terpadu di Balai Desa Tarowang, melibatkan 50 peserta yang terdiri atas petani, ibu rumah tangga, dan pemuda karang taruna. Metode pelaksanaan mencakup sosialisasi interaktif, demonstrasi pengolahan produk, dan diskusi partisipatif yang berfokus pada pemanfaatan seluruh bagian jagung, meliputi biji, rambut, dan tongkol, menjadi produk bernilai ekonomi seperti teh rambut jagung, sirup jagung, dan teh jagung panggang. Hasil kegiatan menunjukkan peningkatan pengetahuan dan kesadaran peserta terhadap diversifikasi produk olahan serta potensi pengembangan usaha mikro berbasis pertanian lokal. Kegiatan ini memberikan kontribusi nyata terhadap penguatan kapasitas masyarakat dalam pengolahan hasil pertanian secara berkelanjutan dan mendorong terciptanya model pemberdayaan desa berbasis agribisnis lokal. Rekomendasi tindak lanjut mencakup pelatihan lanjutan dan pendampingan kewirausahaan untuk memastikan keberlanjutan program di tingkat rumah tangga.Kata kunci: jagung, inovasi produk, sosialisasi, nilai tambah, pemberdayaan masyarakat
Penguatan Personal Branding Mahasiswa Universitas Negeri Makassar melalui Optimalisasi Media Sosial Ilma Wulansari Hasdiansa; Sitti Hasbiah; Nurul Fadilah Aswar; Isma Azis Riu; Deddy Ibrahim Rauf
Inovasi Sosial : Jurnal Pengabdian Masyarakat Vol. 2 No. 4 (2025): November : Inovasi Sosial : Jurnal Pengabdian Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/inovasisosial.v2i4.2472

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Social media has become the main platform for university students to express themselves and build professional reputation. However, many students have not yet been able to utilize social media positively to support their academic and career growth. This community service aimed to strengthen students’ understanding and skills in developing personal branding through effective social media utilization. The program was implemented through workshops, discussions, and mentoring for students of the Faculty of Economics and Business, Universitas Negeri Makassar. Pre-test and post-test evaluations were conducted to assess participants’ knowledge improvement. The students’ average score increased, indicating significant improvement. Majority of participants began applying personal branding strategies on their social media accounts. The activity effectively enhanced students’ awareness and ability to build professional online identities.
The Influence of Consumer Perception and Brand Image on Gen Z Consumers' Purchase Decisions for Danone (AQUA) Products After the Peak of the Boycott Issue (A Study of Management Students Of The Faculty of Economics and Business, Makassar State University) Natsir, Uhud Darmawan; Haswan, Aldika Putra; Riu, Isma Azis; Sahabuddin, Romansyah; Musa, Muh. Ichwan
Entrepreneurship, Management, and Business Research Journal Vol. 2 No. 4 (2025): DECEMBER 2025 - EMBUN RESEARCH JOURNAL
Publisher : Entrepreneurship, Management, and Business Research Journal

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Abstract

This study aims to analyze the influence of consumer perception and brand image on Gen Z consumers' purchase decisions for Danone (AQUA) products after the peak of the boycott issue, focusing on Management students of the Faculty of Economics and Business, Makassar State University. This study uses a quantitative approach with a survey method using a Likert-scale questionnaire to measure consumer perceptions, brand image, and purchase decisions. The analysis techniques used included validity testing, reliability testing, classical assumption testing, multiple linear regression, and t-tests and F-tests to examine partial and simultaneous effects using SPSS version 25. The results of the study indicate that consumer perceptions of AQUA are in the “high” to “very high” category, so that students continue to sort information and tend to maintain a positive view despite the boycott issue. Brand image is also classified as “high”, indicating that the quality, symbolic value, and consumer experience with AQUA remain good. Purchasing decisions are also in the “high” to “very high” category, indicating that although the boycott issue influences considerations, product quality remains the main reason for choosing AQUA. Regression tests prove that consumer perceptions and brand image have a significant influence, both partially and simultaneously, on purchasing decisions.   Penelitian ini bertujuan untuk menganalisis pengaruh persepsi konsumen dan citra merek terhadap keputusan pembelian produk Danone (AQUA) pada konsumen Generasi Z pasca puncak isu boikot, dengan fokus pada mahasiswa Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner berskala Likert untuk mengukur persepsi konsumen, citra merek, dan keputusan pembelian. Teknik analisis yang digunakan meliputi uji validitas, uji reliabilitas, uji asumsi klasik, regresi linear berganda, serta uji t dan uji F untuk melihat pengaruh parsial dan simultan menggunakan program SPSS versi 25. Hasil penelitian menunjukkan bahwa persepsi konsumen terhadap AQUA berada pada kategori “tinggi” hingga “sangat tinggi”, sehingga mahasiswa tetap memilah informasi dan cenderung mempertahankan pandangan positif meskipun ada isu boikot. Citra merek juga tergolong “tinggi”, menandakan bahwa kualitas, nilai simbolik, dan pengalaman konsumen terhadap AQUA tetap baik. Keputusan pembelian pun berada pada kategori “tinggi” hingga “sangat tinggi”, menunjukkan bahwa meskipun isu boikot memengaruhi pertimbangan, kualitas produk tetap menjadi alasan utama dalam memilih AQUA. Uji regresi membuktikan bahwa persepsi konsumen dan citra merek berpengaruh signifikan, baik secara parsial maupun simultan, terhadap keputusan pembelian.
Penguatan Personal Branding Mahasiswa Universitas Negeri Makassar Melalui Optimalisasi Media Sosial Ilma Wulansari Hasdiansa; Hasbiah, Sitti; Aswar, Nurul Fadilah; Riu, Isma Azis; Rauf, Deddy Ibrahim
Pemberdayaan Masyarakat : Jurnal Aksi Sosial Vol. 2 No. 4 (2025): Desember: Pemberdayaan Masyarakat : Jurnal Aksi Sosial
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/aksisosial.v2i4.2540

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Social media has become the primary platform for students to express themselves and build their professional reputation. However, many students have not yet fully utilized social media to support their careers and academic image. This community service activity aims to enhance the understanding and skills of students at the University of Makassar (UNM) in building a strong personal brand through social media. The implementation method includes socialization, training, and direct mentoring for students at the Faculty of Economics and Business, UNM. The evaluation was conducted using pre-tests and post-tests to measure the improvement in knowledge and skills of the participants. The results show a significant increase in students' understanding, with the average score improving from a moderate level to an excellent level. Moreover, the majority of participants have begun to apply personal branding content strategies on their social media platforms. This training has been effective in raising students' awareness of the importance of building a professional image in the digital world. With a better understanding of personal branding, students are expected to leverage social media positively to strengthen their professional reputation and open up career opportunities in the future.
Pengaruh Citra Merek Sebagai Mediasi Kualitas Produk Terhadap Keputusan Pembelian Teh Pucuk Harum (Studi Pada Mahasiswa Manajemen FEB UNM) Jauhar, Muh. Alif; Amin, Andi Mustika; Riu , Isma Azis; Haeruddin , M. Ilham Wardhana; Aswar, Nurul Fadilah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4975

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Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk terhadap keputusan pembelian dengan citra merek sebagai variabel mediasi pada produk Teh Pucuk Harum di kalangan mahasiswa Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar (FEB UNM). Penelitian ini menggunakan pendekatan kuantitatif dengan jenis explanatory research untuk menjelaskan hubungan sebab-akibat antar variabel yang diteliti. Populasi penelitian adalah mahasiswa Manajemen FEB UNM angkatan 2022 yang pernah mengonsumsi Teh Pucuk Harum, dengan jumlah populasi yang tidak diketahui secara pasti. Teknik pengambilan sampel menggunakan non-probability sampling dengan metode purposive sampling, sehingga diperoleh sebanyak 105 responden. Pengumpulan data dilakukan melalui kuesioner terstruktur yang disebarkan secara daring menggunakan Google Form. Data yang terkumpul dianalisis menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan perangkat lunak SmartPLS versi 3, yang mampu menguji hubungan struktural serta pengaruh langsung dan tidak langsung antar variabel. Hasil penelitian menunjukkan bahwa kualitas produk berpengaruh positif dan signifikan terhadap keputusan pembelian Teh Pucuk Harum. Selain itu, kualitas produk juga berpengaruh positif dan signifikan terhadap citra merek, serta citra merek berpengaruh positif dan signifikan terhadap keputusan pembelian. Lebih lanjut, citra merek terbukti berperan sebagai mediator parsial dalam hubungan antara kualitas produk dan keputusan pembelian. Temuan ini mengindikasikan bahwa kualitas produk yang baik akan semakin efektif dalam mendorong keputusan pembelian apabila mampu membentuk citra merek yang positif di benak konsumen. Penelitian ini diharapkan dapat memberikan kontribusi teoretis dalam kajian perilaku konsumen serta implikasi praktis bagi perusahaan dalam merumuskan strategi pemasaran.
An Interpretative Phenomenological Analysis Study On Customer Lived Experiences Of Emotionally Intelligent Service Agents Isma Azis Riu
International Journal of Education Management and Religion Vol. 3 No. 1 (2026): January 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i1.1153

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This study aims to examine how the emotional intelligence of customer service agents influences problem resolution, customer satisfaction, and repurchase intention within Platform X, a major ride-hailing and food-delivery service in Indonesia. As customers increasingly encounter service failures such as delayed refunds, repeated driver cancellations with charges applied, and double payment incidents, understanding how they experience emotionally intelligent responses becomes essential. This research employs a qualitative approach using Interpretative Phenomenological Analysis (IPA) to explore customers’ meaning-making processes during emotionally charged interactions. The population of this study consists of active users of Platform X. A homogeneous purposive sample of six participants aged 20–35 years was selected based on their experience with at least one of the identified service failures and direct communication with a human service agent. Data were collected through semi-structured in-depth interviews as the primary instrument, complemented by field notes. All interviews were conducted online and audio-recorded with participant consent. The results reveal three key themes: experiencing emotional understanding and recognition, interpreting the agent’s intentions during the resolution process, and forming emotional and relational outcomes that shape satisfaction and repurchase intention. These findings demonstrate that emotionally intelligent service behaviours help restore trust, reduce emotional distress, and strengthen long-term customer loyalty.
PENGARUH CITRA MEREK DAN HARGA TERHADAP KEPUTUSAN PEMBELIAN ULANG PRODUK SCARLETT WHITENING BODY CARE PADA MAHASISWA FEB UNIVERSITAS NEGERI MAKASSAR DI KOTA MAKASSAR Arvina Nabila Ardhana; Anwar, Anwar; Isma Azis Riu; Siti Hasbiah; Ilma Wulansari Hasdiansa
Juremi: Jurnal Riset Ekonomi Vol. 5 No. 4 (2026): Januari 2026
Publisher : Bajang Institute

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Abstract

The beauty industry in Indonesia has experienced rapid growth; however, it also faces challenges related to declining repeat purchases in certain body care product categories. This study aims to analyze the effect of brand image and price on repeat purchase decisions of Scarlett Whitening Body Care products among students of the Faculty of Economics and Business, Universitas Negeri Makassar, in Makassar City. This research employs a quantitative approach using explanatory research. Data were collected through an online questionnaire distributed to 90 respondents selected using purposive sampling. The data were analyzed using multiple linear regression with the assistance of SPSS. The results indicate that brand image and price each have a positive and significant effect on repeat purchase decisions. Furthermore, the simultaneous test shows that brand image and price jointly have a significant effect on repeat purchase decisions of Scarlett Whitening Body Care products. These findings suggest that a strong brand image combined with a price perceived as appropriate plays an important role in encouraging consumer loyalty and repeat purchases, particularly among university students. The results of this study are expected to provide practical insights for companies in formulating marketing strategies focused on customer retention.
PENGARUH INFLUENCER MARKETING DAN ELECTRONIC WORD OF MOUTH TERHADAP KEPUTUSAN PEMBELIAN PRODUK SUNSCREEN WARDAH DENGAN BRAND TRUST SEBAGAI VARIABEL MEDIASI (STUDI PADA GENERASI Z PENGGUNA TIKTOK DI KOTA MAKASSAR) Zahwa Qhayla Ramadhanty; Anwar, Anwar; Isma Azis Riu; Siti Hasbiah; Rahmat Riwayat Abadi
Juremi: Jurnal Riset Ekonomi Vol. 5 No. 5 (2026): Maret 2026
Publisher : Bajang Institute

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh influencer marketing dan Electronic Word of Mouth terhadap keputusan pembelian produk sunscreen Wardah dengan Brand trust sebagai variabel mediasi pada Generasi Z pengguna TikTok di Kota Makassar. menguji pengaruh influencer marketing dan electronic word of mouth terhadap keputusan pembelian produk sunscreen Wardah dengan Brand trust sebagai variabel mediasi pada Generasi Z pengguna TikTok di Kota Makassar.Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui penyebaran kuesioner kepada 170 responden yang merupakan Generasi Z pengguna TikTok di Kota Makassar yang pernah melihat konten influencer atau ulasan terkait produk sunscreen Wardah. Teknik pengambilan sampel menggunakan metode purposive sampling. Analisis data dilakukan menggunakan metode Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) untuk menguji pengaruh langsung dan tidak langsung antarvariabel penelitian.Hasil penelitian menunjukkan bahwa influencer marketing dan Electronic Word of Mouth berpengaruh positif dan signifikan terhadap keputusan pembelian serta Brand trust produk sunscreen Wardah. Brand trust juga berpengaruh positif dan signifikan terhadap keputusan pembelian dan berperan sebagai variabel mediasi dalam hubungan antara influencer marketing dan Electronic Word of Mouth terhadap keputusan pembelian. Temuan ini menegaskan bahwa kepercayaan terhadap merek menjadi faktor penting dalam memperkuat pengaruh pemasaran digital melalui TikTok terhadap keputusan pembelian Generasi Z di Kota Makassar.
Pengaruh Penggunaan Media Sosial terhadap Pembelian Impulsif Produk Skincare Viral dengan FOMO sebagai Variabel Mediasi pada Generasi Z di Kota Makassar Siska Handayani; Burhanuddin Burhanuddin; Ilma Wulansari Hasdiansa; Sitti Hasbiah; Isma Azis Riu
MAMEN: Jurnal Manajemen Vol. 5 No. 1 (2026): Januari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v5i1.7280

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This study aims to analyze the influence of social media usage on impulse purchases of viral skincare products and to examine the role of Fear of Missing Out (FOMO) as a mediating variable among Generation Z in Makassar City. Specifically, this research investigates: (1) the effect of social media usage on impulse purchases, (2) the effect of social media usage on FOMO, (3) the effect of FOMO on impulse purchases, and (4) the mediating role of FOMO in the relationship between social media usage and impulse purchases. This study employs a quantitative approach with an explanatory research design to explain causal relationships among the variables. Data were collected through questionnaires distributed to 180 Generation Z respondents in Makassar City who had purchased or were familiar with viral skincare products promoted through social media platforms. The data analysis technique used was Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4.0 software. The analysis included outer model testing to evaluate validity and reliability, as well as inner model testing to assess direct and indirect relationships using the bootstrapping method. The results show that all proposed hypotheses are supported. Social media usage has a positive and significant effect on impulse purchases and significantly increases FOMO. Furthermore, FOMO positively and significantly influences impulse purchases and partially mediates the relationship between social media usage and impulse purchases. These findings highlight the important role of emotional and psychological factors in shaping impulsive buying behavior among Generation Z.