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All Journal Al-Kharaj: Journal of Islamic Economic and Business Moneta: Jurnal Manajemen & Keuangan Syariah
Atika Tahir
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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PENGARUH KEAMANAN, KEMUDAHAN, DAN DISKON DOMPET DIGITAL TERHADAP PERILAKU KONSUMTIF MAHASISWA PASCASARJANA IAIN PALOPO Ginanjar, Muh. Ginanjar; Muh. Rasbi; Fasiha; Atika Tahir; Linda A. Ali
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 2 No 2 (2024): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v2i2.8920

Abstract

The aim of this research is to determine the impact of digital wallets on consumer behavior of IAIN Palopo graduate students. The population of this research is all IAIN Palopo postgraduate students totaling 340 people who use digital wallets with a sample selected of 78 respondents. This research method uses quantitative methods with multiple linear regression tests. The findings of this research indicate that security influences the constective behavior of IAIN Palopo Postgraduate Students with a significant value of 0.004. Convenience has no effect on the constative behavior variable of IAIN Palopo Postgraduate Students with a significant value of 0.976, while digital wallet discounts have no effect on the constitive behavior variable of IAIN Palopo Postgraduate Students with a significant value of 0.317. And security, convenience and discounts related to digital wallets simultaneously influence the purchasing behavior of postgraduate students at IAIN Palopo with a significant value of 0.000
The Influence of Customer Experience and Customer Satisfaction on Purchasing Decisions with Purchase Intention as an Intervening Variable in the My Pertamina Application Andi Musniwan Kasman; Atika Tahir
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (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.v7i2.7293

Abstract

This study aims to investigate the influence of customer experience and customer satisfaction on purchasing decisions, with purchase intention as a mediating variable, focusing on the MyPertamina application for purchasing subsidized fuel in Palopo City, Indonesia. Using a quantitative design with 100 respondents selected through incidental sampling, this study used a questionnaire and analyzed the data with SmartPLS 4.1 to test the outer and inner models. The study findings revealed that customer experience directly influences purchasing decisions but does not significantly influence purchase intention, while customer satisfaction significantly influences both purchase intention and purchase decision. In addition, purchase intention strongly mediates the relationship between customer satisfaction and purchase decision but does not mediate the relationship between customer experience and purchase decision. This suggests that while user experience directly contributes to purchasing behavior, satisfaction drives intention, which then shapes actual decisions. This study provides theoretical implications by integrating behavioral models in the context of digital public services and offers practical insights for application developers and policymakers to improve service efficiency, trust, and user satisfaction. However, its limitations include focusing only on one geographic region and application, which limits the generalizability of the findings. Future research should explore comparative contexts or incorporate qualitative approaches to capture deeper user perceptions and behavioral nuances. Overall, this study enriches the understanding of consumer decision-making patterns in adopting government-supported digital platforms.
The Influence of Customer Experience and Customer Satisfaction on Purchasing Decisions with Purchase Intention as an Intervening Variable in the My Pertamina Application Andi Musniwan Kasman; Atika Tahir
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (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.v7i2.7293

Abstract

This study aims to investigate the influence of customer experience and customer satisfaction on purchasing decisions, with purchase intention as a mediating variable, focusing on the MyPertamina application for purchasing subsidized fuel in Palopo City, Indonesia. Using a quantitative design with 100 respondents selected through incidental sampling, this study used a questionnaire and analyzed the data with SmartPLS 4.1 to test the outer and inner models. The study findings revealed that customer experience directly influences purchasing decisions but does not significantly influence purchase intention, while customer satisfaction significantly influences both purchase intention and purchase decision. In addition, purchase intention strongly mediates the relationship between customer satisfaction and purchase decision but does not mediate the relationship between customer experience and purchase decision. This suggests that while user experience directly contributes to purchasing behavior, satisfaction drives intention, which then shapes actual decisions. This study provides theoretical implications by integrating behavioral models in the context of digital public services and offers practical insights for application developers and policymakers to improve service efficiency, trust, and user satisfaction. However, its limitations include focusing only on one geographic region and application, which limits the generalizability of the findings. Future research should explore comparative contexts or incorporate qualitative approaches to capture deeper user perceptions and behavioral nuances. Overall, this study enriches the understanding of consumer decision-making patterns in adopting government-supported digital platforms.
Co-Authors Andi Musniwan Kasman Fasiha Ginanjar, Muh. Ginanjar Linda A. Ali Muh. Rasbi