Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Golden Ratio of Auditing Research International Journal of Advanced Research in Social Studies
Ogi Rifansyah
Politeknik Negeri Sriwijaya
Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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The Influence of Brand Image and Product Quality on the Decision to Buy Suzuki Ertiga Brand MPV Cars in Riau Ogi Rifansyah; Frini Karina Andini; Achmad Fajri Febrian; Bertliussaza
International Journal of Advanced Research in Social Studies Vol. 5 No. 1 (2026): International Journal of Advanced Research in Social Studies
Publisher : Department of Business Administration Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19465470

Abstract

This study aims to analyze the influence of brand image and product quality on Suzuki Ertiga car purchase decisions. This study uses a quantitative approach with the Partial Least Squares Structural Equation Modeling (PLS-SEM) version 4 method. Data was collected through a questionnaire on consumers who had bought a Suzuki Ertiga car in Riau. The results of the analysis show that brand image and product quality have a positive and significant effect on purchase decisions. Brand image creates a positive perception in the minds of consumers, while product quality increases consumer confidence in the product. The R-square value of 0.574 indicates that 57.4% of the purchase decision variables can be explained by brand image and product quality. These findings can be the basis for companies to develop marketing strategies based on brand image and product excellence.
Financial Self-Efficacy as a Predictor of FinTech Adoption and Financial Planning Behavior: Empirical Evidence from Palembang, Indonesia Rosananda Oktala; Fernando Africano; Dewi Fadila; Ogi Rifansyah
Golden Ratio of Auditing Research Vol. 7 No. 1 (2027): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grar.v7i1.2652

Abstract

This study examines the disconnect between high digital payment adoption and long-term financial planning in an emerging urban economy by investigating whether Financial Self-Efficacy predicts this gap directly or indirectly through FinTech Adoption. Using survey data collected from 149 urban residents of Palembang, Indonesia, comprising 54.4% students and 45.6% workers, the conceptual framework was evaluated using Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4. The analysis was complemented by the Heterotrait-Monotrait ratio (HTMT) for discriminant validity assessment, PLSpredict, and Multigroup Analysis (PLS-MGA) with Measurement Invariance of Composite Models (MICOM) testing. The results show that Financial Self-Efficacy significantly predicts FinTech Adoption and has a strong direct effect on Financial Planning Behavior. In contrast, FinTech Adoption does not significantly predict Financial Planning Behavior when Financial Self-Efficacy is controlled for, resulting in a non-significant indirect effect through FinTech Adoption. Furthermore, the multigroup analysis reveals that the predictive effect of Financial Self-Efficacy on FinTech Adoption is nearly twice as strong among students as among workers. These findings suggest that digital convenience alone does not automatically translate into long-term financial discipline. Instead, psychological capability, particularly Financial Self-Efficacy, serves as an important factor linking technology adoption and financial planning behavior, with its predictive strength varying across occupational groups within an emerging urban population.
Co-Authors Achmad Fajri Febrian Africano, Fernando Bertliussaza Dewi Fadila FRINI KARINA ANDINI Rosananda Oktala