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All Journal Journal of Economic, Bussines and Accounting (COSTING) Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR)
Arbiya Magfiroh Rohmi
Universitas Muhammadiyah Sidoarjo
Economics, Econometrics & Finance Social Sciences

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Price Analysis and Brand Identity on Customer Loyalty through Customer Satisfaction Mediation Arbiya Magfiroh Rohmi; Sriyono Sriyono; Wisnu Panggah Setiyono
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 2 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.4168

Abstract

This research aims to find out whether customer satisfaction mediates the relationship between price and brand identity on consumer loyalty. The sampling technique in this research used the accidental sampling method by distributing questionnaires to 150 respondents. The data analysis method was carried out using several statistical tests: research instrument testing (validity and reliability testing) and hypothesis testing. The research results show that: (1) brand identity has a positive influence on customer satisfaction. (2) brand identity has a positive influence on consumer loyalty. (3) Price has a positive influence on customer satisfaction. (4) price has a positive influence on consumer loyalty. (5) brand identity through customer satisfaction influences consumer loyalty. (6), price through customer satisfaction has a significant effect on consumer loyalty.  
STRATEGIES STRATEGIES FOR CULTIVATING THE ENTREPRENEURIAL SPIRIT OF BLIGO SIDOARJO STATE ELEMENTARY SCHOOL: STRATEGI DALAM MENUMBUHKAN JIWA KEWIRAUSAHAAN PESERTA DIDIK SEKOLAH DASAR NEGERI BLIGO SIDOARJO Orien Maulya Pramesti; Arbiya Magfiroh Rohmi; Muhammad Saleh; Sugeng Hariyadi; Siti Ulfah; Muhammad Yuniar Hakim Sidqi; Ahmad Rizal; Imelda Dian Rahmawati
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 1 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v8i1.14042

Abstract

This study aims to analyze the strategies employed by Sekolah Dasar Negeri Bligo Sidoarjo in fostering students' entrepreneurial spirit through a planned, integrated, and sustainable approach. The strategies implemented include the planning, execution, and evaluation of programs based on character education, project-based learning, and entrepreneurial practices such as mini-markets and product exhibitions. The findings show that these programs successfully enhanced students' cognitive, affective, and psychomotor skills while building an entrepreneurial mindset from an early age, including risk-taking and innovation capabilities. However, challenges such as time constraints, limited resources, and teacher training have impacted the program's effectiveness. With synergistic support from schools, parents, and the government, entrepreneurship education at the elementary level has the potential to become an essential foundation in shaping creative, independent, and innovative young generations. This study is also relevant to the objectives of the Sustainable Development Goals (SDGs) in promoting inclusive and sustainable economic growth.
The The Role of Fintech Financing and Influencer Marketing on the Marketing Performance of MSMEs with Innovation Product as Variables Mediation Muhammad Yani; Sriyono Sriyono; Arbiya Magfiroh Rohmi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): 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.v8i2.9751

Abstract

This study aims to analyze the effect of FinTech financing and influencer marketing on MSMEs’ marketing performance, with product innovation serving as a mediating variable. The research is motivated by the growing importance of digital financial access and digital marketing strategies in enhancing MSMEs’ competitiveness, as well as the limited integration of digital finance and digital promotion within a single comprehensive conceptual framework. A quantitative approach with explanatory research design was employed. Data were collected through questionnaires distributed to 109 MSME owners who have utilized FinTech financing and influencer marketing strategies. The data were analyzed using Structural Equation Modeling–Partial Least Square (SEM-PLS) with SmartPLS 4.0. The findings indicate that FinTech financing has a positive and significant effect on both marketing performance and product innovation. Influencer marketing does not have a significant direct effect on marketing performance, but it has a positive and significant effect on product innovation. Product innovation significantly enhances MSMEs’ marketing performance. Mediation analysis reveals that product innovation partially mediates the relationship between FinTech financing and marketing performance and fully mediates the relationship between influencer marketing and marketing performance. The R² values indicate strong predictive power, and the model demonstrates high predictive relevance. These findings confirm that digital financial resources and digital promotional strategies do not automatically improve marketing performance unless they are transformed into strategic capabilities through product innovation. This study extends the Resource-Based View (RBV) by integrating digital finance and digital marketing into a resource–capability–performance framework within the MSME context.
Strengthening Financial Working Capital through Fintech Platforms and Product Innovation via Digital Marketing in MSMEs Arbiya Magfiroh Rohmi; Sriyono; Muhammad Yani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): 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.v8i2.9934

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in economic development; however, many still face challenges in accessing financial services and optimizing digital technology to strengthen their financial capacity. This study aims to analyze the influence of fintech platforms and product innovation on working capital, as well as the mediating role of digital marketing among MSMEs. The research employs a quantitative explanatory approach using survey data collected from 200 food and beverage MSMEs in Sidoarjo Regency, Indonesia. The sampling technique used is purposive sampling based on specific criteria related to fintech usage and digital marketing activities. Data were collected through structured questionnaires using a five-point Likert scale and analyzed using Structural Equation Modeling–Partial Least Square (SEM-PLS) with SmartPLS software. The results show that fintech platforms and product innovation have a positive and significant effect on working capital, while fintech also has a positive and significant influence on digital marketing. Product innovation has a significant but negative effect on digital marketing, and digital marketing shows a significant negative effect on working capital. Furthermore, digital marketing is proven to significantly mediate the relationship between fintech and working capital, but it does not mediate the relationship between product innovation and working capital. These findings indicate that fintech adoption plays a crucial role in strengthening MSMEs’ financial capacity both directly and indirectly through digital marketing activities. The study implies that integrating fintech utilization with digital marketing strategies can support MSME financial sustainability and market expansion. Policymakers and stakeholders are encouraged to enhance digital financial literacy, fintech accessibility, and digital marketing capability among MSMEs to strengthen their competitiveness in the digital economy. Future studies are recommended to include additional variables and broader sectors to further explore the role of digital transformation in MSME performance.
Co-Authors Ahmad Rizal Imelda Dian Rahmawati Muhammad Saleh Muhammad Yani Muhammad Yuniar Hakim Sidqi Orien Maulya Pramesti Setiyono, Wisnu Panggah Siti Ulfah Sriyono Sriyono Sugeng Hariyadi