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Asbaruna, Latifah Wulandari
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Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other

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Pengaruh Penggunaan QRIS dan Kualitas Pelayanan terhadap Loyalitas Pelanggan Asbaruna, Latifah Wulandari
Jurnal Dimamu Vol. 4 No. 2 (2025)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v4i2.1402

Abstract

The rapid advancement of digital payment systems has encouraged businesses to adopt more efficient transaction methods, such as QRIS (Quick Response Code Indonesian Standard). Amid growing competition, service quality remains a crucial aspect in retaining customers. This study aims to analyze the extent to which QRIS usage and service quality influence customer loyalty. The research was conducted at CV Laris Barokah using a quantitative approach. Data were obtained through questionnaires distributed to consumers who had used QRIS for transactions. Respondents were selected using purposive sampling, and the data were analyzed using multiple linear regression to test both simultaneous and partial effects of the independent variables on customer loyalty. The findings indicate that QRIS usage has a positive and significant effect on customer loyalty. However, service quality emerges as a stronger and more dominant factor in shaping long-term customer relationships. These results highlight that while digital payment adoption is essential for offering convenience, the role of excellent service cannot be overlooked in fostering sustained customer loyalty. Therefore, businesses must strike a balance between digital innovation and continuous service quality improvement to ensure long-term customer commitment.
Peran Kepercayaan Merek Halal dalam Memediasi Pengaruh Religiusitas Islam terhadap Niat Pembelian Kosmetik Halal Asbaruna, Latifah Wulandari
Jurnal Dimamu Vol. 4 No. 3 (2025)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/dimamu.v4i3.1573

Abstract

The halal cosmetics industry in Indonesia has experienced rapid growth in line with the increasing awareness of Muslim consumers regarding the halal status of the products they use. Despite the availability of halal regulations and certification, psychological factors such as halal brand trust and consumer religiosity remain key determinants in shaping purchase intention. Previous studies have mostly examined the direct effect of religiosity on purchase intention, but few have explored the mediating role of halal brand trust, particularly in the context of cosmetic products. This study aims to analyze the mediating role of halal brand trust in the relationship between Islamic religiosity and purchase intention for halal cosmetics. A quantitative research method was employed, using a survey questionnaire distributed to 250 Muslim respondents in urban areas of Indonesia. Data were analyzed using Structural Equation Modeling (SEM) with SmartPLS software. The findings reveal that Islamic religiosity has a significant positive effect on purchase intention, both directly and through the mediation of halal brand trust. This mediating variable strengthens the relationship, highlighting the importance of halal brand strategies in enhancing Muslim consumer loyalty. Theoretically, this research enriches the halal marketing literature by positioning halal brand trust as a psychological mechanism bridging religious values with purchasing behavior. Practically, the findings provide guidance for halal cosmetic industry players to prioritize strengthening brand image and trust to increase purchase intention.
Peran Literasi Keuangan dan E-Wallet dalam Mendorong Keputusan Investasi Generasi Z di Era Keuangan Digital Asbaruna, Latifah Wulandari
Jurnal Dimamu Vol. 5 No. 1 (2025)
Publisher : Ma'soem University

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Abstract

The rapid growth of financial technology has transformed how young generations manage and interact with their finances, particularly in investment decision-making. This study aims to analyze the role of financial literacy and e-wallet usage in encouraging investment decisions among Generation Z in Bandung City. A quantitative approach with an explanatory survey method was applied. Data were collected from 120 respondents aged 18–27 who actively use e-wallets and have investment experience. Multiple linear regression analysis was employed to examine the influence of each independent variable on investment decisions. The results reveal that financial literacy has a positive and significant effect on investment decisions, indicating that individuals with higher financial understanding tend to make more rational investment choices. Moreover, e-wallet usage positively influences investment decisions, implying that digital accessibility can foster greater participation of young people in investment activities. These findings highlight the importance of enhancing financial literacy among digital generations and developing e-wallet features that promote productive financial behavior.
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