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All Journal JURNAL ECONOMINA People and Behavior Analysis (PBA)
Heri Ispriyahadi
Universitas Teknologi Muhammadiyah Jakarta, Indonesia
Economics, Econometrics & Finance Social Sciences

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Exploring User Experiences with E-wallet DANA among Indonesian Millennials: E-satisfaction and E-loyalty Analysis Ina Kartika Wati; Abdul Mukti Soma; Heri Ispriyahadi
People and Behavior Analysis Vol. 2 No. 2 (2024): May - September Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/pba.v2i2.2317

Abstract

Millennials have been significantly shaped by advancements in internet technology, affecting their preferences and behaviors. This generation is characterized by comfort with digital tools, multitasking abilities, and a preference for flexibility. As technology evolves, millennials will also encounter challenges like the Fear of Missing Out (FOMO), which is particularly evident in the financial sector, which drives the adoption of digital payment systems and fintech solutions. This study analyzes millennial satisfaction with DANA, a prominent digital payment system in Indonesia, and investigate how satisfaction predicts loyalty. Using a quantitative approach, data were collected from 150 respondents, all of whom were millennials, using DANA via Google Forms on a 5-point Likert scale. This study employed Partial Least Squares (PLS) statistics to examine the correlation between customer satisfaction and loyalty. The results reveal a strong positive correlation, underscoring the importance of user satisfaction as a key driver of loyalty. These findings provide valuable insights for developing marketing strategies and enhancing customer retention in the digital payment industry.
The Fiscal–Procurement–Quality Nexus In Public Construction: A Systematic Review Of Construction Capital Expenditure, Bid Prices, And Project Quality Tedi Lesmana Mauludi Kastari; Heri Ispriyahadi; Susi Susilawati
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3517

Abstract

Construction capital expenditure is a strategic fiscal instrument for delivering public infrastructure, but its contribution to construction quality is not determined solely by the size of the allocated budget. In public construction projects, fiscal allocation is converted into project outcomes through cost estimation, procurement mechanisms, contractor bidding behaviour, bid price reasonableness, contractor capability, risk management, contract functions, and quality control. This study systematically reviews the relationship between construction capital expenditure, bid price, and construction quality in public construction projects. A PRISMA-based Systematic Literature Review was conducted by synthesizing 57 selected scholarly sources consisting of 39 core synthesis sources, 11 included-with-caution sources, and 7 supporting references. The novelty of this study lies in the development of a fiscal–procurement–quality framework that positions bid price as a conceptual mediating mechanism between construction capital expenditure and construction quality. By integrating Public Fiscal Theory, the Cost-Based Pricing Perspective, and the Resource-Based View, this review explains how public fiscal allocation is translated into contractor implementation capacity and construction quality through procurement mechanisms. The findings identify five dominant themes: construction capital expenditure and budget governance, bid price formation and public procurement, contractor capability and performance, construction quality and quality risk, and digital cost–quality governance. Practically, the study emphasizes value-based procurement, rational bid price evaluation, contractor capability assessment, risk-based project control, contract-function governance, and digital transparency to improve construction quality in public construction projects.
Co-Authors Abdul Mukti Soma Ina Kartika Wati Susi Susilawati Tedi Lesmana Mauludi Kastari