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All Journal Journal of Multidisciplinary Science: MIKAILALSYS El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Nur Rokhmad Nuzil
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Agriculture, Biological Sciences & Forestry Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Physics Social Sciences Other

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Pengaruh Preferensi Konsumen, Digital Marketing, dan Lifestyle terhadap Keputusan Pembelian Pada Cafe Edelweiss Wonokitri, Pasuruan Nur Rokhmad Nuzil; Nofan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.4882

Abstract

This study aims to comprehensively analyze the influence of consumer preferences, digital marketing, and lifestyle on purchasing decisions. The research employs a quantitative approach using multiple linear regression analysis to determine the relationships among these variables. Data was meticulously collected through well-structured questionnaires distributed to a diverse group of respondents who had recently made purchases, ensuring a broad representation of consumer behavior. The analysis results indicate that the variables of consumer preferences, digital marketing, and lifestyle each have a positive and statistically significant effect on purchasing decisions. Specifically, consumer preferences play a pivotal role in shaping purchasing behavior, while digital marketing efforts effectively reach and engage target audiences. Additionally, lifestyle alignment with consumer trends further enhances the likelihood of purchase decisions. These findings suggest that businesses aiming to improve their sales performance should focus on enhancing consumer preferences through personalized offerings, employing effective digital marketing strategies that resonate with target audiences, and aligning products and services with the relevant consumer lifestyles. In conclusion, consumer preferences, digital marketing, and lifestyle are critical factors that businesses should strategically consider when developing comprehensive and effective marketing strategies to boost purchasing decisions and achieve sustained growth.
The Influence of Digital Financial Literacy and Financial Technology Use on MSME Financial Performance with Financial Inclusion as a Mediating Variable among MSMEs in Sidoarjo Silfiyah Wahdah; Nur Rokhmad Nuzil
Journal of Multidisciplinary Science: MIKAILALSYS Vol 4 No 3 (2026): Journal of Multidisciplinary Science: MIKAILALSYS
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/mikailalsys.v4i3.11970

Abstract

The expansion of digital finance creates opportunities for micro, small, and medium enterprises (MSMEs) to improve their financial performance while simultaneously requiring adequate digital financial capabilities and access to appropriate financial services. This study examines the effects of digital financial literacy and financial technology use on MSME financial performance, with financial inclusion as a mediating variable, in Sidoarjo Regency. A quantitative approach with an explanatory research design was employed. The study involved 116 MSME respondents selected through purposive sampling. Data were collected using a five-point Likert-scale questionnaire and analyzed through path analysis and the Sobel test to assess direct and indirect effects. The findings support the examination of digital financial literacy, financial technology use, financial inclusion, and financial performance as an integrated framework for understanding MSME digitalization. The study concludes that strengthening digital financial capabilities and expanding access to financial services are important for supporting MSME financial performance. By integrating technological capability, financial access, and business outcomes within a single analytical framework, this study contributes to understanding the role of financial inclusion in MSME digitalization. The findings underscore the need for MSME owners and policymakers to coordinate financial literacy development, financial technology adoption, and financial inclusion initiatives.
Co-Authors Nofan Silfiyah Wahdah