https://jurnal.lenteranusa.id/index.php/jmb <p><strong>Growth</strong>: Journal Management and Business, published by Lentera Ilmu Nusantara Growth: Journal Management and Business accommodates the publication of research results in the field of Economics and Business conducted by lecturers as a manifestation of the Tri Darma of Higher Education. Growth: Journal Management and Business is an electronic journal that is professionally managed using the Open Journal System, published twice a year, namely in December and June.</p> Lentera Ilmu Nusantara en-US Growth: Journal Management and Business 3031-7959 https://jurnal.lenteranusa.id/index.php/jmb/article/view/1251 <p>Understanding how destination image is formed and how it influences visit intention is critical for emerging tourism destinations. This study investigates how information sources shape cognitive, affective, and overall destination image, and how these dimensions influence visit intention in the context of the Meneng Steppe, Mongolia. A conceptual model based on destination image theory was tested using data collected from 303 non-visitors through an online survey. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results indicate that information sources significantly affect cognitive, affective, and overall image. Cognitive image emerged as the strongest predictor of visit intention, followed by overall and affective image. Mediation analysis confirms that cognitive, affective, and overall image fully mediate the relationship between information sources and visit intention, as indicated by VAF values, meaning that information sources influence visit intention entirely through these destination image dimensions. This study contributes by validating a multi-dimensional destination image framework in an underexplored context and highlights the importance of digital information sources. Practically, the findings suggest prioritizing social media-driven strategies for effective destination branding.</p> Undrakhgerel Ishdorja Enkhbold Chuluunbaatarb Damdinsuren Tseveendorj Copyright (c) 2026 Growth: Journal Management and Business 2026-08-04 2026-08-04 4 01 1 25 10.59422/growth.v4i01.1251 https://jurnal.lenteranusa.id/index.php/jmb/article/view/1505 <p>This study aims to examine the influence of Online Customer Reviews and Product Ratings on purchasing decisions in the TikTok Shop Marketplace among consumers in Karanganyar Village. The research employed a quantitative approach with an explanatory research design. The population consisted of residents of Karanganyar Village who had previously purchased products through TikTok Shop, while the sample comprised 96 respondents selected using purposive sampling. Data were collected through a five-point Likert-scale questionnaire. The research instruments met the validity and reliability requirements, and the data were analyzed using multiple linear regression with IBM SPSS Statistics. The findings reveal that Online Customer Reviews do not have a significant effect on purchasing decisions, with a significance value of 0.284 (&gt;0.05). In contrast, Product Ratings have a positive and significant effect on purchasing decisions, with a significance value of 0.000 (&lt;0.05). Simultaneously, Online Customer Reviews and Product Ratings significantly influence purchasing decisions, as indicated by an F-value of 40.008 and a significance level of 0.000. The coefficient of determination (R²) of 0.462 indicates that both independent variables explain 46.2% of the variation in purchasing decisions, while the remaining 53.8% is influenced by other factors outside the research model. These findings suggest that consumers on TikTok Shop rely more heavily on product ratings than customer reviews when making purchasing decisions.</p> Septian Bayu Arif Firmansyah Deddy Junaedi Copyright (c) 2026 Growth: Journal Management and Business 2026-08-11 2026-08-11 4 01 39 51 10.59422/growth.v4i01.1505 https://jurnal.lenteranusa.id/index.php/jmb/article/view/1487 <p>This study aims to analyze the influence of the quality of the member data management application system, service quality, and member trust on the level of member satisfaction at the Amanah Tongas Credit Union Savings and Loan Cooperative. The study uses a quantitative approach with a causal associative research type. The study population was 2,251 active members, while the sample was 340 respondents determined using the Slovin formula with a <em>simple random sampling technique.</em> Data collection was carried out through distributing questionnaires, observation, and documentation. Data analysis used IBM SPSS Statistics version 26 which included validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, partial tests (t-tests), simultaneous tests (F-tests), and coefficients of determination (R²). The results showed that the quality of the member data management application system had a positive but not significant effect on the level of member satisfaction. Conversely, the quality of service quality and member trust had a positive and significant effect on the level of member satisfaction. Simultaneously, the quality of the member data management application system, service quality, and member trust had a significant effect on the level of member satisfaction. Research findings show that improving service quality and strengthening member trust are the main factors in increasing member satisfaction, while developing application systems is still needed to support the effectiveness of cooperative administration and services.</p> Agen Driyanto Fahrudin Fahrudin Copyright (c) 2026 Growth: Journal Management and Business 2026-08-12 2026-08-12 4 01 52 63 10.59422/growth.v4i01.1487 https://jurnal.lenteranusa.id/index.php/jmb/article/view/1488 <p>The rapid advancement of financial technology (fintech) has accelerated the adoption of electronic wallets (e-wallets) as one of the most widely used digital payment instruments among university students. However, users' intention to adopt e-wallets is influenced by various factors related to service quality and application characteristics. This study aims to examine the effects of service features, security, and perceived ease of use on the intention to use e-wallets among students of Universitas Nurul Jadid. This research employed a quantitative approach with an associative research design. Primary data were collected through questionnaires distributed to 246 respondents selected using a purposive sampling technique. Data were analyzed using multiple linear regression with the assistance of SPSS software, following validity, reliability, and classical assumption tests. The results indicate that, partially, service features (t = 6.499; p &lt; 0.001), security (t = 5.917; p &lt; 0.001), and perceived ease of use (t = 3.277; p = 0.001) have a positive and significant effect on the intention to use e-wallets. Simultaneously, the three independent variables also have a significant effect on the intention to use e-wallets, with an F-value of 227.544 (p &lt; 0.001). Furthermore, the coefficient of determination (R²) of 0.738 indicates that 73.8% of the variance in e-wallet usage intention can be explained by service features, security, and perceived ease of use, while the remaining 26.2% is explained by other factors outside the proposed model. These findings suggest that improving service features, strengthening security systems, and enhancing application usability are essential strategies for increasing university students' intention to adopt e-wallets as a digital payment method. The study contributes to the digital payment adoption literature by demonstrating that technology-related convenience alone is insufficient to explain adoption intention and that functional service features and perceived security should be considered alongside ease of use when explaining e-wallet acceptance among university students.</p> Ahmad Junaidi Muh Hamzah Copyright (c) 2026 Growth: Journal Management and Business 2026-08-11 2026-08-11 4 01 26 38 10.59422/growth.v4i01.1488