Garuda - Garba Rujukan Digital

The Influence of Consumer Dissatisfaction and Competitor Advertising Attractiveness on Brand Switching Through Variety Seeking as an Intervening Variable (Study on Realme Smartphone Users in Surabaya) Wilda Maulidiyah; Nurhadi Nurhadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6140

The use of smartphones has grown rapidly on a global scale. However, the increasing popularity and usage of smartphones have led many consumers to exhibit erratic behavior in brand selection. To better understand this phenomenon, this study examines brand switching behavior and its relationship with factors such as consumer dissatisfaction, competitor advertising attractiveness, and variety seeking. This research aims to (1) analyze the influence of consumer dissatisfaction and competitor advertising attractiveness on variety seeking; (2) analyze the influence of consumer dissatisfaction, competitor advertising attractiveness, and variety seeking on brand switching; and (3) analyze the influence of consumer dissatisfaction and competitor advertising attractiveness on brand switching through variety seeking. A quantitative approach was employed in this study. The population consists of Realme smartphone users in Surabaya who have switched to other brands. A total of 140 respondents were selected using purposive sampling based on the Hair formula. Data were collected through questionnaires. The data were analyzed using the Partial Least Squares (PLS) method with the aid of SmartPLS version 4.1 software. The results of the study indicate that consumer dissatisfaction and competitor advertising attractiveness significantly influence variety seeking. Furthermore, consumer dissatisfaction, competitor advertising attractiveness, and variety seeking significantly influence brand switching. Likewise, consumer dissatisfaction and competitor advertising attractiveness, mediated by variety seeking, significantly influence brand switching.

The Effect of Convenience, Service Quality, and Information Quality on User Satisfaction of Tomoro Coffee Application Anggi Stifanie; Nurhadi Nurhadi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.491

This study aims to analyze the influence of Ease of Use, Service Quality, and Information Quality on User Satisfaction of the Tomoro Coffee Application. The background of this study is based on the importance of user experience in using digital applications as a major factor in increasing customer loyalty and satisfaction. This study uses a quantitative approach with an associative research type. Data were obtained through distributing questionnaires to 100 respondents who are Tomoro Coffee application users and were analyzed using multiple linear regression methods. The results of the study indicate that simultaneously the three independent variables, namely Ease of Use, Service Quality, and Information Quality, have a significant effect on User Satisfaction. Partially, each variable also shows a positive and significant effect. These findings indicate that user experience in accessing the application, the quality of services provided, and the presentation of accurate and relevant information are important factors in shaping the level of satisfaction of Tomoro Coffee application users. This study provides implications for application developers to focus more on improving user-friendly features, the quality of digital services, and the reliability of information to increase customer satisfaction.

The Effect of Convenience, Service Quality, and Information Quality on User Satisfaction of Tomoro Coffee Application Anggi Stifanie; Nurhadi Nurhadi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.491

This study aims to analyze the influence of Ease of Use, Service Quality, and Information Quality on User Satisfaction of the Tomoro Coffee Application. The background of this study is based on the importance of user experience in using digital applications as a major factor in increasing customer loyalty and satisfaction. This study uses a quantitative approach with an associative research type. Data were obtained through distributing questionnaires to 100 respondents who are Tomoro Coffee application users and were analyzed using multiple linear regression methods. The results of the study indicate that simultaneously the three independent variables, namely Ease of Use, Service Quality, and Information Quality, have a significant effect on User Satisfaction. Partially, each variable also shows a positive and significant effect. These findings indicate that user experience in accessing the application, the quality of services provided, and the presentation of accurate and relevant information are important factors in shaping the level of satisfaction of Tomoro Coffee application users. This study provides implications for application developers to focus more on improving user-friendly features, the quality of digital services, and the reliability of information to increase customer satisfaction.

Comparative Analysis of Stock and Mutual Fund Allocation Among Generation Z Based on Behavioral Finance Factors (A Study of Generation Z in Surabaya) Reza Syahputra Sijabat; Nurhadi Nurhadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

The rapid surge of Generation Z participation in the Indonesian capital market has created a new investor landscape, yet this growth is often not aligned with adequate financial literacy, leading to potential irrationality in asset selection. This research aims to analyze and compare the allocation of stock and mutual fund portfolios among Generation Z investors, specifically examining the influence of financial literacy and various behavioral factors, including return expectations, risk tolerance, and herding tendencies. Using a quantitative comparative methodology, the study focused on the Inflow Community in Surabaya as a representative demographic. Data were gathered from 110 respondents through purposive sampling and analyzed using the Kruskal-Wallis non-parametric test, necessitated by the non-normal distribution of the dataset. The study concludes that there is a statistically significant difference in portfolio allocation between stocks and mutual funds, as evidenced by an asymptotic significance value of < 0.001. These differences are primarily driven by varying degrees of financial literacy and the prevalence of herding behavior among young investors. Based on these findings, it is recommended that financial regulators and educational institutions design more personalized financial literacy programs. Such programs should not only cover technical analysis but also address the psychological aspects of investing, such as emotional control and independent decision-making, to assist Generation Z in achieving more optimal and rational long-term wealth management.

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