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All Journal Aptisi Transactions on Technopreneurship (ATT) IAIC Transactions on Sustainable Digital Innovation (ITSDI)
Shokory, Suzyanty Mohd
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Humanities Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Electrical & Electronics Engineering Library & Information Science Materials Science & Nanotechnology Social Sciences

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Healthy Spending Habits as Drivers of Technopreneurial and Financial Outcomes Zainol, Zuraidah; Abdul Wahab, Nadratun Nafisah; Shokory, Suzyanty Mohd; Harianto, Prayudi
Aptisi Transactions On Technopreneurship (ATT) Vol 7 No 3 (2025): November
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v7i3.485

Abstract

Healthy spending of the population has been raised as one of the measures to restore social harmony and economic stability. Nevertheless, limited attention has been given to understanding how different forms of spending, rather than saving alone, influence people’s financial conditions and family well-being. This study aims to examine how various spending behaviors including experiential, impulsive, self-expressive, prosocial, and conspicuous spending affect financial well-being and, in turn, marital satisfaction among married individuals in Malaysia. Using a quantitative and deductive research design, data were gathered from 400 married respondents through a structured self-administered questionnaire. The analysis was conducted using Covariance-Based Structural Equation Modeling (CB-SEM) with the aid of AMOS software to validate the hypothesized relationships. The results show that prosocial and conspicuous spending have a significant positive impact on financial well-being, while impulsive spending demonstrates a negative influence. Moreover, financial well-being plays a crucial mediating role, exerting a significant positive effect on marital satisfaction. To enhance both financial stability and relationship satisfaction, individuals should cultivate mindful and responsible spending habits. The findings offer new perspectives for policymakers, businesses, and educators in fostering family harmony and economic empowerment through balanced spending and financial awareness.
Customer Purchase Patterns and Loyalty in MSME Catering Businesses Using the RFM Method Shokory, Suzyanty Mohd; Wahab, Nadratun Nafisah Abdul; Zanubiya, Jihan; Zainol, Zuraidah
IAIC Transactions on Sustainable Digital Innovation (ITSDI) Vol 7 No 2 (2026): April
Publisher : Pandawan Sejahtera Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/itsdi.v7i2.724

Abstract

The increasing competition in the catering industry necessitates a data-driven understanding of consumer behavior to support effective customer retention strategies. This study aims to identify customer purchase patterns and loyalty in MSME Catering using the RFM (Recency, Frequency, Monetary) method based on transaction data from January 2025 to May 2026. This research addresses a gap in the literature regarding the application of transaction-based analytics for customer loyalty in MSMEs, which previously relied more on surveys or subjective perceptions. A total of 564 transactions from 80 unique customers were analyzed quantitatively, processed using Google Sheets, and visualized with Tableau. The results indicate that 55 customers (68.75%) are classified as loyal, while 25 customers (31.25%) are new customers. RFM segmentation grouped customers into Champions, Loyal Customers, Potential Loyalist, Need Attention, and Lost Customers, with the majority in the Potential Loyalist, Need Attention, and Lost segments. In addition to descriptive statistics, the relationship between purchase frequency and monetary value was examined to provide deeper insights into customer behavior. The findings demonstrate that the RFM approach provides a structured understanding of customer loyalty and transaction value, supporting the development of targeted marketing strategies, including loyalty programs, reminder promotions, reactivation campaigns, and customer engagement initiatives. This study contributes a practical RFM-based analytical framework applicable to MSMEs to enhance retention and marketing effectiveness.
Co-Authors Abdul Wahab, Nadratun Nafisah Harianto, Prayudi Wahab, Nadratun Nafisah Abdul Zainol, Zuraidah Zanubiya, Jihan