Tuesday, May 19, 2026

 

Husi Konstrusaun Independénsia ba Sustentabilidade Dezenvolvimentu Ekonomia: Refleksaun Akademika iha Tinan 24 Restaurasaun Independénsia Timor-Leste

Carlos Soares Ribeiro, Lic.Eco., MM

Email and Blog: tomejomadio@gmail.com ||
Independent Researcher / Universidade da Paz – Timor-Leste


Iha loron 20 Maiu 2026, povu Timor-Leste selebra ona tinan 24 Restaurasaun Independénsia, momentu istóriku ida ne’ebé la’ós de’it simbolu libertasaun polítika, maibé marka mós hahú hosi prosesu naruk ida ba konstrusaun Estadu, afirma soberania nasional no dezenvolvimentu nasional sustentável. Loron ida-ne’e konvida ita hotu atu halo refleksaun profunda: Durante tinan 24 ikus ne’e, oinsá mak ita harii independénsia ida-ne’e husi etapa libertasaun polítika ba fundamentu ida ne’ebé forte ba soberania no dezenvolvimentu nasional sustentável?, ita atinje soberania to’o ne’ebé ona? no saida mak dalan ida atu lori Timor-Leste ba sustentabilidade ekonomia ne’ebé exelente? Ida ne’e hanesan pergunta ida bai ta hotu.

Independénsia hanesan Pontu Hahú, La’ós Pontu Ikus

Bainhira Timor-Leste hetan nia independénsia iha 2002, objetivu boot liu la’ós de’it ukun-an polítiku, maibé mós kapasidade ida atu povu bele determina rasik nia futuru. Iha teoria konstrusaun Estadu (state-building), independénsia konsidera hanesan pontu hahú ba prosesu institusionalizasaun no transformasaun sosial.

Durante tinan 24 ne’e, Timor-Leste konsege harii instituisaun fundamental estadu sira hanesan—Parlamentu Nasional, Governu, sistema judisiáriu no mekanizmu demokrátiku ne’ebé estavel. Ida-ne’e hatudu katak independénsia ita nian la’o iha trilhu ida ne’ebé positivu.

Maibé, independénsia loloos la bele sukat de’it hosi bandeira ida ne’ebé sae iha lalehan; nia presiza bele sukat hosi kapasidade Estadu atu fó moris-di’ak ba povu.

Soberania: Husi Simboliku ba Substansial

Soberania iha tempu agora la’ós de’it kona-ba rai-laran no fronteira. Iha mundu globalizadu, soberania modernu envolve mós autonomia ekonomika, seguransa alimentar, independénsia enerjétika no kapasidade institusional.

Timor-Leste iha desafiu boot ida: ekonomia sei depende maka’as ba reseita petrolífera. Dependénsia ida-ne’e bele hamosu risku “resource curse”, ne’ebé iha literatura ekonomia dezenvolvimentu refere ba nasaun sira ne’ebé depende liu ba rekursu natural no labele diversifika nia ekonomia.

Tanba ne’e, soberania ida-ne’ebé substansial tenke tradús ba:

· Soberania ekonomika;

· Soberania alimentar;

· Soberania enerjétika; no

· Soberania instituisionál.

Ne’e mak fundamentu ba independénsia ida ne’ebé maturu.

Dezenvolvimentu: Husi Infraestrutura ba Kapital Humanu

Durante tinan rua-nulu resin haat, Timor-Leste halo investimentu boot iha infraestrutura: dalan, eletrisidade, edukasaun no saúde. Ida-ne’e importante, tanba infraestrutura mak aliserse ba kresimentu.

Maibé, dezenvolvimentu ida-ne’ebé exelente la depende de’it ba betaun ka fatin no edifísiu; nia depende liu ba kapital humanu—ema sira nia matenek, saúde no produtividade.

Investimentu iha edukasaun superior, peskiza siéntifika no inovasaun tenke sai prioridade nasional. Joventude Timoroan tenke prepara la’ós de’it atu buka servisu, maibé atu kria oportunidade ekonomika foun.

Sustentabilidade: Paradigma Foun ba Futuru

Iha século 21, dezenvolvimentu la bele haree de’it ba kresimentu Produto Internu Brutu (PIB). Nia tenke konsidera sustentabilidade sosial, ambiental no ekonomika.

Timor-Leste iha oportunidade boot atu harii modelu dezenvolvimentu ida ne’ebé:

· Proteje ambiente no rekursu natural;

· Promove ekonomia verde;

· Dezenvolve agrikultura moderna;

· Fortalece setor bankáriu nasional;

· no apoia empreendedorismu lokal.

Sustentabilidade signifika katak jerasaun agora la bele konsumí de’it rekursu ne’ebé presiza ba jerasaun tuirmai.

Rolu Jerasaun Foun: Husi Benefisiáriu ba Transformadór

Refleksaun ba tinan 24 independénsia tenke lori ita ba konsiénsia ida katak jerasaun foun la bele de’it sai benefisiáriu independénsia; sira tenke sai transformadór.

Nu’udar akademiku no juventude, responsabilidade ami mak:

· kritika konstrutivamente;

· kontribui ho ideia inovativa;

· no partisipa ativamente iha dezenvolvimentu nasional.

Aman no inan sira luta hodi hetan independénsia; responsabilidade ita mak hadi’a independénsia ne’e ho rezultadu konkretu.

Konkluzaun

Tinan 24 Restaurasaun Independénsia la’ós de’it loron selebrasaun; nia mak momentu ida ba kontemplasaun nasional.

Husi konstrusaun independénsia, ita lori ba soberania.
Husi soberania, ita hakat ba dezenvolvimentu.
Husi dezenvolvimentu, ita tenke to’o ba sustentabilidade.

Ne’e mak dalan ba Timor-Leste ida ne’ebé la’ós de’it ukun-an, maibé mós nasaun ida ne’ebé forte, dignu no ekonomicamente exelente.

Viva Timor-Leste! Viva povu Maubere! 

Tuesday, May 12, 2026

Digitalizasaun no Abertura Setór Finanseiru

 Digitalizasaun no Abertura Setór Finanseiru: Dalan Estratéjiku ba Futuru Ekonomia Timor-Leste


Setór finanseiru iha Timor-Leste la bele haree de’it hanesan área teknika bankáriu ka atividade limitadu ba operasaun banku sira. Digitalizasaun no Abertura Setór Finanseiru mak fundasaun ba estrutura ekonomia tomak. Tanba ne’e, mudansa polítika, regulatória, no inovasaun iha setor ne’e iha impaktu diretu ba kresimentu nasional, inkluzaun sosioekonómika, no estabilidade jeral ekonomia rai laran.

Iha tempu ikus sira, Banco Central de Timor-Leste hatudu posisaun ne’ebé optimista kona-ba abertura setor finanseiru no promosaun digitalizasaun. Posisaun ida ne’e importante tebes tanba hatudu transformasaun husi paradigma tradisionál ba paradigma modernu, ne’ebé digital, kompetitivu, no inkluzivu. Maibé pergunta prinsipál mak: saida mak signifika abertura setor finanseiru ba Timor-Leste? No oinsá digitalizasaun bele sai dalan ba kresimentu ekonomia ne’ebé sustenta?

Setór Finanseiru hanesan Motor Ekonomia

Setór bankáriu iha funsaun fundamental tolu: mobiliza poupansa, aloka kapital, no suporta investimentu. Iha konteksu Timor-Leste, ekonomia sei depende forte ba importasaun no setor informal. Nune’e, sistema finanseiru ne’ebé fraku bele limita kapasidade nasional hodi transforma poténsia ekonomia ba kresimentu real.

Bainhira sistema bankáriu forte no inkluzivu, komunidade iha asesu ba kreditu, empreza mikro no média (MSME) bele dezenvolve, no investimentu produtivu bele aumenta. Tanba ne’e, abertura setor finanseiru la’ós de’it politika ekonomika, maibé mós estrategia dezenvolvimentu nasional.

Abertura Setór Finanseiru: Oportunidade no Risku

Posisaun Banco Central kona-ba abertura setor finanseiru signifika fó espasu ba estabelesimentu banku foun no instituisaun finanseira adicional. Iha prinsipiu, ida ne’e iha benefísiu barak:

Primeiru, aumenta kompetisaun. Bainhira iha banku barak liu, servisu sai baratu, efisiente, no inovativu. Segundo, aumenta asesu ba kreditu. Komunidade iha opsaun liu atu hetan servisu finanseiru. Terceiro, promove inovasaun produtu bankáriu.

Maibé iha mós risku ne’ebé presiza kontrola. Sistema finanseiru ne’ebé la reguladu ho di’ak bele hamosu instabilidade, kreditu la saudável, ka dependénsia ba kapital estranjeiru. Tanba ne’e, papel regulator hanesan Banco Central importante tebes atu garante katak abertura la signifika liberalizasaun la kontrolada, maibé liberalizasaun ne’ebé responsavel.

Digitalizasaun: Revolusaun iha Sistema Finanseiru

Iha era global atual, digitalizasaun la’ós opsaun, maibé nesesidade. Transformasaun digital iha setor bankáriu muda forma ema uza osan, transfere fundu, no asesu servisu finanseiru.

Digitalizasaun iha benefísiu prinsipál balun. Primeiru, inkluzaun finanseira. Iha Timor-Leste, parte boot populasaun hela iha área rural no distante. Ho servisu digital, sira bele asesu banku liuhusi telemóvel, la presiza ba filiala fisika. Segundo, efisiénsia operasional. Transasaun digital redús tempu no custos. Terceiro, transparénsia no kontrolu. Sistema digital fasilita monitorizasaun no reduz risku fraude.

Maibé, implementasaun digitalizasaun iha Timor-Leste enfrenta limitasaun realidade. Infraestrutura internet seidauk hanesan iha área hotu, no literasia digital komunidade sei ki’ik. Nune’e, digitalizasaun tenke akompaña ho edukasaun finanseira no investimentu infraestrutura.

Papel Banco Central iha Transformasaun

Iha prosesu ne’e, Banco Central la’ós de’it regulador pasivu. Nia mak atu sai fasilitador transformasaun sistema finanseiru. Papel prinsipál mak inklui: regula sistema bankáriu, garante estabilidade monetária, no promove inovasaun sistema pagamentu digital.

Iha tempu hanesan ne’e, Banco Central tenke kria ambiente ne’ebé suporta fintech, interoperabilidade bankáriu, no sistema pagamentu nasional ne’ebé integradu. Ho nune’e, sistema finanseiru bele sai modernu no kompatível ho standard internacional.

Inkluzaun Finanseira hanesan Objetivu Estratéjiku

Objetivu boot husi digitalizasaun no abertura setor finanseiru mak inkluzaun finanseira. Inkluzaun finanseira signifika ema hotu, independentemente renda ka lokalizasaun, iha asesu ba servisu bankáriu.

Iha Timor-Leste, inkluzaun finanseira importante tanba ekonomia informal sei domina. Tanba ne’e, digital banking no mobile money bele sai instrumentu importante atu integra populasaun iha sistema formal ekonomia.

Bainhira inkluzaun finanseira aumenta, impaktu ekonomia mós signifikante: konsumsaun aumenta, poupansa formal aumenta, no investimentu produtivu mos dezenvolve.

Desafiu Estrutural

Maski iha potensia boot, Timor-Leste enfrenta desafiu estruktural. Infraestrutura digital la sufisiente, kapasidade institusional presiza fortaleze, no koordinasaun política entre setor publik no privado tenke di’ak liu.

Aleinde ne’e, edukasaun finansiera sai fator kritiku. Bainhira komunidade la komprende sistema digital, risku fraude no misuse sistema aumenta. Tanba ne’e, edukasaun la bele separa husi inovasaun teknolójika.

Perspetiva Futuru Ekonomia Nasional

Se politika abertura setor finanseiru no digitalizasaun implementa ho di’ak, Timor-Leste bele hetan transformasaun ekonomia ne’ebé signifikante. Sistema bankáriu bele sai modernu, inkluzivu, no kompetitivu.

MSME sira bele hetan asesu kreditu, empreza lokal bele expande, no ekonomia nasional bele diversifika liu husi dependencia ba setor tradisionál. Iha tempu naruk, ida ne’e bele kontribui ba kresimentu sustentavel no estabilidade ekonomia.

Aleinde ne’e, integrasaun sistema finanseiru digital mós bele tau Timor-Leste iha mapa ekonomia digital global. Ida ne’e importante tebes iha era globalizasaun ne’ebé kompetisaun la limita iha nivel nasional de’it.

Konkluzaun

Abertura setor finanseiru no digitalizasaun sistema bankáriu la’ós de’it tendénsia global, maibé nesesidade estratéjika ba Timor-Leste. Banco Central de Timor-Leste iha papel kritiku hodi asegura katak transformasaun ne’e la só aumenta efisiénsia sistema finanseiru, maibé mós garante inkluzaun no estabilidade ekonomia.

Iha konkluzaun, dalan ba futuru ekonomia Timor-Leste depende ba kapasidade atu harmoniza inovasaun, regulasaun, no edukasaun. Bainhira elementu sira ne’e lao hamutuk, sistema finanseiru bele sai motor prinsipál ba dezenvolvimentu nasional ne’ebé sustentável, inkluzivu, no resiliente.

 

Ema Babain iha Dalán Fé

Ema Babain iha Dalán Fé: Entre Fiar iha Kristu no Realidade Moris Loroloron

Iha moris loroloron, dala barak ema husu ba an rasik: “Tamba saida mak ema tenki mate?” no “Depois de mate, saida mak sei akontese?” Pergunta sira ne’e la’ós deit kona-ba mate, maibé kona-ba sentido moris rasik. Bainhira ema haree liman ida kona-ba mate, nia mos hahú buka komprensaun kle’an liu kona-ba moris, fé, no esperansa.

Ba ema kristaun, liuliu iha Roman Catholic Church, mate la haree hanesan finál. Mate hanorin katak ida ne’e tranzisaun—hosi moris terrenal ba moris eterna ho Maromak. Nune’e, fé katólika fó hanoin katak moris iha mundu ida ne’e la’ós kapitulu ikus; nia mak preparasaun ba moris seluk.

Baze principal hosi esperansa ida ne’e mak iha Jesus Christ nia mate no moris fali. Ba kristaun sira, moris fali Kristu la’ós deit istória tuan ida; nia mak sentru hosi fé. Tanba Kristu moris fali, ema fiar katak mate la iha liafuan ikus. Iha ne’e, mate la’ós derrotu; nia bele sai porta ba vida foun.

Maibé iha realidade, la fasil atu lori hanoin ida ne’e tama ba moris loroloron. Ema barak dehan: “Hau fiar Kristu moris fali, maibé hau la sente hanesan ne’e. Hau sei ema babain.” Liafuan ida ne’e importante, tanba hatudu konflitu entre no realidade humana.

Loos duni, ema hotu-hotu mak “ema babain”: iha limitasaun, fraqueza, dúvida no falla. Maski iha Bible, ita haree katak disipulu sira mos la perfeitu. Peter the Apostle nega Kristu; Thomas the Apostle dúvida; no barak seluk tauk no halai. Maibé ida ne’ebé halo sira diferente la’ós tanba sira la falla—maibé tanba sira kontinua fila fali ba Kristu.

Ne’e mak lisaun boot ida ba ita hotu: fé la husu ita atu sai extraordináriu antes. Fé la husu ita atu perfeitu. Pelo kontráriu, fé husu ita atu abri-an, atu simu katak iha ita nia fraqueza, Maromak bele servisu.

Dala barak, ema pensa katak moris di’ak signifika tenki hetan buat boot—osan barak, kargu boot, ka susesu boot. Maibé iha perspetiva kristaun, moris di’ak barak liu mak:

  • hadomi ema sira ne’ebé besik ba ita,
  • halo di’ak ba ema seluk,
  • simu sala no aprende husi ne’e,
  • no moris tuir valor sira ne’ebé ita fiar.

Ne’e la presiza halo buat extraordináriu; presiza deit fidelidade iha buat ki’ik sira. Bainhira ita halo buat di’ak ki’ik loroloron, ita hahú moris tuir Kristu.

Pergunta ne’ebé importante liu talvez la’ós “oinsá atu sai hanesan Kristu?” tanba ida ne’e bele halo ita sente dook. Pergunta ne’ebé di’ak liu mak: “oinsá atu lori Kristu tama ba hau nia moris babain?” Iha família, iha servisu, iha susar, iha alegria—iha ne’ebá mak fé moris.

Ikus mai, moris kristaun la’ós kona-ba ema ne’ebé la iha dúvida; nia kona-ba ema ne’ebé maski iha dúvida, nia kontinua la’o. La’ós kona-ba ema ne’ebé la falla; nia kona-ba ema ne’ebé fila fali bainhira monu.

Tan ne’e, serbisu boot ida ba ita la’ós atu sai “ema perfeitu”, maibé atu sai ema fiel—ema ne’ebé, maski babain, nia fiar katak Maromak bele halo buat extraordináriu iha moris ordináriu.

Tanba iha realidade, Maromak la bolu deit ema ne’ebé forte; Maromak fortalece ema ne’ebé nia bolu.

Jurnal : The Influence of Service Quality on Customer Satisfaction and Its Impact on Repurchase Interests in Telkomcel Products in Timor Leste

 The Influence of Service Quality on Customer Satisfaction and Its Impact on Repurchase Interests in Telkomcell Products in Timor Leste

 

Carlos Soares Ribeiro, Lic.Eco., MM

Email and Blog: tomejomadio@gmail.com ||
Independent Researcher / Universidade da Paz – Timor-Leste

 

Abstract


Telkomcel's customers started to complain and lost their trust and their customers got worse and worse. In order to take back the customer's trust, Telkomcel implemented two main strategies, namely the Push Strategy and the Pull Strategy in its marketing activities. This study aims to provide an overview of Specific Service Quality in three dimensions, namely Tangible, Empathy and Assurance, Customer Satisfaction and Repurchase Intention at Telkomcel Timor Leste, and to determine the effect of service quality on Repurchase Intention with customer satisfaction interventions at Telkomcel East Timor. Based on the results of distributing questionnaires to 200 people at several universities in Timor Leste such as UNTL (Timor Loro Sae National University), UNPAZ (Universidade Da Paz), UNITAL (Universidade de Oriental) and DIT (Dili Institute of Business) ISC (Institut Unggul Cristal) 200 students, lecturers and administrative staff on campus randomly using a Likert scale and non-probability sampling techniques and purposive sampling. SEM (Structural Equation Modeling) data analysis technique, with the help of SmartPLS 3.0 software.

Keywords

Tangible, Empathy, Assurance, Customer Satisfaction, Repurchase Intention, Telecommunications Industry, Telecommunications Timor Leste

I. Introduction

Telkomcel as one of the operators that competes in the Timor-Leste telecommunications market, coupled with the Pandemic, of course requires Telkomcel to change its marketing strategy. In 2020, Telkomcel will still focus on the needs of existing customers and will also continue to try to increase the customer base (Telkomcel, 2020 and 2021). However, from the other side, Telkomcel is also facing a pandemic, and the Timor Leste government has launched a new regulation regarding frequencies in Timor Leste, in 2021 which is a critical year, because there is a reduction in several frequencies because it is considered that there is no license yet. With this situation giving a significant impact on Telkomcel, customers start complaining and losing trust and customers are getting lower and lower, to take back the trust of customers, Telkomcel applies two main strategies, namely Push Strategy and Pull Strategy in marketing activities, as follows:

According to (Kotler, 1997) Repurchase Intention is a psychological aspect that has a considerable influence on the attitude and behavior of repeat buyers as well as a source of motivation that will direct someone to do what they do from the other side (Rahardjo and Magnadi 2016). Repeat is customer behavior after purchase which was previously based on satisfaction with the product. If the customer is satisfied then he will show a higher buying opportunity in the next opportunity.

This is supported by research (Bernarto, 2019) that satisfaction has a positive effect on repurchase intention. If Satisfaction is getting better, it will have an impact on increasing Repurchase Intention. then the results of research from Hill et al. (2007); Reichheld and Sasser (1990); Shahrokh et al. (2013); Tsai et al. (2006); Zhou et al. (2009) which states that customers who are satisfied with a service or product obtained or perceived will have a high tendency to continue their relationship with a company that provides such satisfaction compared to those who have a low level of satisfaction.

To induce repurchasing behavior it must be supported by a physical (tangible) product which from these conditions will lead to customer satisfaction and at the same time motivate them to repurchase the product. This is supported by research (Halima Tussaadia Ternate, 2020) that tangible, Empathy, and Asurane has a positive effect on Repurchase Intention in the coffee house business, so on

Consumer satisfaction is an emotional reaction to experiences related to the specific goods or services purchased, the retail establishment, or even patterns of behavior (such as buying behavior and shopping behavior), as well as the market as a whole. The cognitive evacuation process that compares perceptions (or beliefs) about certain things, activities, or situations with personal values causes emotional reactions (or needs, wants, and desires). "Customer satisfaction is a person's feeling of pleasure or disappointment that occurs after comparing the perceived performance (outcome) of a product with his expectations

According to Kotler & Keller, (2009) that satisfaction is a person's feeling of pleasure or disappointment that arises after comparing the performance or results of a product that is thought of against the expected performance or results. If performance falls below expectations, the consumer is dissatisfied. If performance exceeds expectations, consumers will be very happy or satisfied. These consumer expectations can be known from their own experiences when using the product, the words of other people, and the advertising information promised by the company that produced the product. (Nasruddin, 2023)(“Jurnal_Nasruddin.Pdf,” nd)

According to Rangkuti (2018) consumer satisfaction is defined as the consumer's response to the discrepancy between the previous level of importance and the actual performance he feels after use. Whereas Kotler in Hamdani (2017) consumer satisfaction is the level of feeling where a person states the results of a comparison of product performance received and expected. Engel et al in Priyambodo et al., (2012) revealed that consumer satisfaction is an after-purchase evaluation in which the selected alternative at least produces results (outcomes) that equal or exceed consumer expectations, while dissatisfaction arises when the results obtained do not meet consumer expectations. From the understanding -understanding above, it can be concluded that consumer satisfaction is the difference in the gap between expectations before purchase and the performance or results felt after purchase. (Nasruddin, 2023)

Physical evidence (Tangible) is an ability in a product or company to provide excellent service to all customers in a concrete way. In the sense that the quality of the product can be felt in real terms by customers, not hallucinations, then (in Tjiptono & Chandra 2016, p.163) indicators of the tangible dimension are modern equipment, facilities that have visual appeal, employees who look neat and professional , Materials related to services that have visual appeal. (Tjiptono, 2016)

Empathy is as a person's ability to understand targets or thoughts and feelings, see situations from other people's perspectives, this is the ability to know other people's wishes in certain conditions and situations. The results of the respondents' answers show that a sense of empathy from administrative staff such as the intention to serve the interests of students, a friendly attitude, non-discrimination and respect for students, will significantly increase student satisfaction. For this reason, it is necessary to increase student service activities with a greater focus on the service side (Setiawan, 2021)

According to Hamzyah (Empathy), namely giving sincere and individual or personal attention given to customers by trying to understand consumer desires. Every company is expected to have understanding and knowledge about customers, understand customer specific needs, and have a comfortable operating time for customers (Hamzyah, 2019).

Assurance or Guarantee is the knowledge, courtesy and ability of company employees to foster customer trust in the company. According to Parasuraman in Lupiyoadi (2001) Assurance is the knowledge, manners and ability of company employees to foster customer trust in the company. Consists of components including communication, credibility, security, competence, and courtesy, while

According to Tjiptono (2007) Assurance includes knowledge, competence, courtesy and trustworthiness possessed by employees, free from danger of risk or doubt. (Rahardjo, 2016) Researchers reviewing the ideas above can conclude that the better the knowledge, courtesy of employees, and their trustworthy nature so that customers are free from risk, it will further increase customer satisfaction because Assurance reflects company competence, friendliness, courtesy to customers and its operation safety

In this study, researchers only focused on three dimensions, namely Tangible, Empathy and Assurance, but we know that there were several researchers before using four dimensions and the results were significant, such as research conducted by (Hamzyah) that: (1) Tangible variables have a positive (6.757) and significant (0.000) effect on customer satisfaction or it can be said that tangible has a positive and significant effect on customer satisfaction.(2) The variable empathy has a positive (3.295) and significant (0.001) effect on customer satisfaction or it can be said that empathy has a positive and significant effect on customer satisfaction. (3) The variable that has the dominant influence on customer satisfaction is tangible (X2), this is obtained from the beta value based on standardized coefficients, namely 0.523 or 52.3% compared to other variables with the required significance.

However, the results of this research were carried out at one of the PT. PLN (Persero) in Enrekang Regency, the researcher wants to try to conduct research in the telecommunications sector, namely the Telkomcel Timorleste Company. Reliability of assurance (Assurance), empathy (Empathy), and tangibles (Tangibles). One of the strategies that Telkomcel can use to maintain its position in the Timor Leste telecommunications market, is because researchers observe market situations and conditions in Timor Leste. Therefore to find out how much influence the three dimensions, namely Tangible Empathy and Assurance have on (Customer Satisfaction) and (Repurchase Intention)

Of all the dimensions of service quality, all have a positive effect on satisfaction. However, of all the variables, only empathy has a positive and significant effect on satisfaction. It can be interpreted that empathy in serving students such as a friendly attitude and respect for administrative staff in serving students will contribute to student satisfaction so that it increases significantly. Furthermore, student satisfaction which increases significantly for the attention and service provided by administrative staff will contribute significantly to student intentions to do word of mouth.

The desires of consumers are always changing. Entrepreneurs are required to conduct a survey to find out what kind of product strategy should be used to develop products that can be accepted by consumers. A new product development strategy must be made that is able to survive and compete with competitors' product types, so that the company can achieve its goals

Based on his scientific study, Zungu & Mason (2019) said that product development is not only important for the success of the product but also is the key to determining the success of the company. The steps used in product development are searching for and finding development ideas from various sources after that think about the company's ability to carry out this development, if the company feels capable then predict customer demand as the key to the success of this development. Carry out the development process within the company (functional specifications) then carry out production of the product (product specifications). After that, review the design, carry out market tests, as well as market introductions, and finally carry out periodic evaluations for the product development process that is accepted by customers. (Layla Hafni, 2020)

Of all the activities carried out by a company, it will ultimately lead to the value that will be given by customers regarding perceived satisfaction. The definition of consumer satisfaction varies widely and will provide a broader understanding, while some experts define customer satisfaction as follows: According to Kotler in (Ang et al., 2012), satisfaction is the level of feeling at which a person states the results of a comparison of product (service) performance) is accepted and expected. According to Chandra, Hafni, Chandra, et al. (2019) states that consumer satisfaction or dissatisfaction is the consumer's response to the evaluation of the perceived discrepancy/disconfirmation between previous expectations (or other performance norms) and the product's actual performance that is felt after its use (Stefani, 2020).

 

II. METHODS

This study used a cross-sectional approach to determine the timing and frequency of data collection and processing. When data is collected at one time, processed, evaluated, and conclusions drawn, this is called using a cross-sectional technique (Indrawti, 2015: 18). The population in this study were students and lecturers and staff at 10 campuses such as UNTL, UNPAZ, UNDIL, UNITAL, UCTL, IOB, CRISTAL, ICS, DIT, and ISJB in Timor Leste. This population is estimated at 17,621 people. (Indrawati 2015: 164), the sample is people from the population selected to participate in the research, namely from several campuses so far Telkom has divided student SimCards either to be observed, treated, or surveyed about what is being investigated. The method used in this study is a stratified random sampling approach, meaning that individuals from the population do not have the same opportunity to be selected as a sample, regardless of that the researcher chooses several students to be representative and the researcher uses a 5% margin of error whether they have a chance the same or not. Meanwhile, the sample strategy for this study was stratified random sampling. (According to Sugiyono (2010) proportionate stratified random sampling is a technique used when the population has members/elements that are not homogeneous and stratified proportionally. The population of this study is modified based on the number of subscribers or users of the Estudant Telkomcel simcar, namely students and / I and lecturers and staff at 10 campuses in Timor Leste who are using the Telkomcel SIMCARD for the first time, therefore researchers assess the number of samples in this study to be 200 people, using the slovin formula as follows: n=N/ (1+N e^2) Where: n = Number of Samples N = Total Population e = 7% fault tolerance limit n=17.621/ (1+ 17.621 x 0.0049) =17.621/ (1+86.3429)=17.621/87.3429 = 201.7451 rounded up to 201 Based on the results of calculations using the slovin formula, the minimum sample for this study is 201 respondents. Respondents to this study were people who had used Telkomcel products at least once, and to reduce errors in filling out this questionnaire, the researchers rounded up the number of respondents to 201 respondents.

RESULTS

Validity test

Questionnaire question items are measuring instruments (tools) that can test what the research objectives are, so all statements in a questionnaire are required to measure their validity. Validity indicates the extent to which a measuring instrument can measure something that has been determined, so that the greater the validity of a measuring instrument, the more likely the measuring instrument will fulfill its purpose or be more oriented to what it should measure (Indawati 2015: 146) . Validity Convergent Test Results

 

 

Table 1. Convergent Validity Test Results

Source: Primary data processed in 2022 From the data table 1 above,

it can be seen that the overall value of the loading factor shows more than > 0.7 so that all of the research variables are declared valid and can be continued in other research analyses

Discriminant Test Results

Based on the Research Objectives and Methodology Chapter, the initial PLS model in this case is as follows:

Figure 1PLS Initial Model or PLS Stage

Based on Figure 4.3.1 above, there are 2 models in this structural model, namely: 1. The influence model of X1, X2, X3 on Y1. So Y1 as endogenous latent variable, while X1, X2, X3 as exogenous latent variable. 2. The influence model of X1, X2, X3 and Y1 on Y2. So Y2 as endogenous latent variable, while X1, X2, X3 and Z as exogenous latent variables. The constructs or latent variables in this structural equation include: X1, X2, X3, Y1 and Y2. Each of these latent variables has indicators or manifest variables in it. Based on the PLS concept above, the results of the outer model analysis on your data are as follows: The results of the analysis are as follows:

Figure 2PLS Initial Model or PLS Stage

Table 2. Outer Loading

Source: SmartPLS Processing Data Version 3

The discriminant test results in table 2 present the results of the cross-loading calculation, which shows that the cross-loading value of each indicator in the service assurance variable is above the cross-loading value of the other variables. All values above the threshold are 0.7 so that the research instrument is said to be discriminantly valid. The results of obtaining Customer Satisfaction values are greater than 0.7 so that the research instrument is said to be discriminantly valid. Whereas the Repurchase Intention variable indicator is above the cross-loading value of the other variables. The results of the acquisition of the Repurchase Intention value above are greater than 0.7 so that the research instrument is said to be discriminantly valid. Reliability Test Reliability is defined as something related to the level of trust, reliability, consistency, or stability of the results of one measurement.

Reliability is one of the characteristics that a good measuring instrument theoretically has a reliability coefficient between -1 to +1, but a coefficient that is less than zero (0) is meaningless because the interpretation of reliability always refers to a positive coefficient (Indawati, 2015:155).

Table 1Composite Reliability and Cronbach's Alpha Values

Source: Data Processing SmartPLS Version 3 Average Variance Extracted

Based on the test results in table 3 the composite reliability value of the Assurance variable was 0.895 with a Cronbach's Alpha value of 0.843. On the variable Customer Satisfaction, a composite reliability value of 0.911 was obtained with a Cronbach's Alpha value of 0.870. on the Empathy variable, a composite reliability value of 0.880 was obtained with a Cronbach's Alpha value of 0.819. The Repurchase Intention Variable obtained a composite reliability value of 0.913 with a Cronbach's Alpha value of 0.872. the Tangible variable obtained a composite reliability value of 0.920 with a Cronbach's Alpha value of 0.883.

So it can be interpreted that all the variables above are said to be reliable because the composite reliability is greater than 0.7 and Conbach's alpha is above 0.6, so the questionnaire can produce stable or constant measuring results. From table 4.2.3 above, all variables with reflective indicators have an AVE (Average Variance Extracted) value of more than 0.5. It can be said that all of these variables are valid. Perceived risk and perceived benefit variables do not use the AVE measure because they are formative indicator variables.

Discussion of Research

Results Evaluation of the Measurement Model (Outer Model)

After testing the outer model that has fulfilled, then testing the inner model (structural model) is carried out. The inner model can be evaluated by looking at the r-square (indicator reliability) for the dependent construct and the t-statistical value of the path coefficient test. The higher the r-square value means the better the prediction model of the proposed research model. The path coefficients value indicates the level of significance in hypothesis testing. Indicator reliability aims to assess whether latent variable measurement indicators are reliable or not. You do this by evaluating the results of the outer loading of each indicator. A loading value above 0.7 indicates that the construct can explain more than 50% of the indicator variance (Wong KK, 2013; Sarstedt et al., 2017).

Table 4. R-Square Values

Source: SmartPLS Processing Data Version 3

Based on table 4.3.1. It can be seen that the R-Square of the Customer Satisfaction variable can be explained by the service quality variables namely Tangible, Empathy, Assurance of 40.40% and 59.60% influenced by other variables not used in this study such as Responsiveness, Reliability and the model is classified as moderate. While the R-Square value of the Repurchase Intention variable is 49.20%. it shows that the Repurchase Intention variable can be explained by service quality variables namely Tangible, empathy, Assurance of 49.20% and 50.80% influenced by other variables that are not used such as Responsiveness, Reliability

Therefore, it refers to the rule of thumb if the value indicates an R-square model of 0.67 (Strong), 0.33 (Moderate) and 0.19 (Weak) (Chin, 1988) so this research model is classified as moderate. However, the results from Table 4.3.1 show that, the two variables such as Responsiveness, Reliability have a greater influence on the affected variables than the factors or dimensions derived from the model studied.

Table 5. F Square

Source: Taken from Outer Stage data

So based on the table of F Square values above, the effect size that is small or negligible is the effect of X2 on Y1 and Y2. The large size effect is the effect of X1 on Y1, while the other effects are moderate.

Table 6. Fornell-Larcker Criteria

Table 6 Fornell-Larcker criteria shows the AVE root value of each construct or variable. The AVE roots are indicated by numbers marked in yellow in the table. The AVE root value is then compared with the model's R-square value. It is known that the R-square model has a value of 0.742. From table 4.17 it can be seen that the AVE root score for each variable is greater than the R-square value. Thus, all variables are declared valid and can be used for further tests. Discriminant validity can also be known from the cross-loading score or cross validity where the indicator value of a variable to the variable itself must be greater than the correlation of the indicator to other variables. The cross-loading score is known from the calculation results using the PLS algorithm technique. Outer Loading Table 4.2.2 Outer Loading calculation can be seen from the attachment From the Outer Loading calculation results it is known that the indicators of all variables are valid. Q-square analysis (Q2) and q2 effect size

Table 7. Q2 Predictive Relevance

Source: SmartPLS Processing Data Version 3

Based on table 7 above, it can be seen that the variability of the Y1 Customer Satisfaction construct is 0.283. Furthermore, the construct Repurchase Intention Y2 is 0.345. Therefore, it refers to the rule of thumb chin (1998) if the value of Q 2 > 0 then the model has predictive relevance so from these results it shows that this model has predictive relevance.

Path Coefficients

Table 8. Path Coefficients

Source: SmartPLS Processing Data Version 3

Figure 3Calculated T value from loading factor and path coefficient

And if what is displayed is the p value of the loading factor and the path coefficient, it is as follows:

Figure 4the p value of the loading factor and the path coefficient

The Output Path Coefficient as shown in the picture above is to see the magnitude of the direct effect (DIRECT EFFECT) of each independent (exogenous) variable on the dependent (endogenous) variable.

1.       Tangible and Customer Satisfaction

The magnitude of the parameter coefficient for the Tangible variable on the Customer Satisfaction Variable of 0.377 which means there is a Tangible positive influence on Customer Satisfaction Or it can be interpreted that the better the Tangible value then Customer Satisfaction will increase. Increase of one tangible unit will also increase Customer Satisfaction by 37.7%. Based on calculations using bootstrap or resampling, where the results of the Tangible estimation coefficient test for Customer Satisfaction bootstrap results are 0.371 with a t-count value of 4.791 greater than t-table (1.64) then the p-value is 0.000 <0.05 so Accept H1 or which means a direct influence Tangible to Customer Satisfaction statistically significant or significant. Judging from the previous research data by Caecilia Soares (2018) that: Tangible has a significant effect on Customer Satisfaction. Because the resulting t-count value of 9,004 is greater than t-table (1.64) with a significance level of 95% and a confidence level of 5%. Based on this analysis it can be concluded that the tangible variable as a dimension for strengthening service quality at Telkomcel Timor Leste, from these results shows that the reduction in frequency has an impact on customer trust decreasing from 95% to 37.7% meaning that the tangible being studied here is the Student Simcard part of (Mobile Network Operator (MNO) will have a direct impact on customer satisfaction, especially students /I in Timor Leste who use Telkomcel Student SimCards

2.       Empathy and Customer Satisfaction

The magnitude of the parameter coefficient for the Empathy variable on Customer Satisfaction of 0.103 which means there is no positive effect of Empathy towards Customer Satisfaction. Or it can be interpreted that the Empathy value is getting worse than Customer Satisfaction will decrease. Decrease one unit of Empathy will also reduce Customer Satisfaction by 10.03%. Based on calculations using bootstrap or resampling, where the test results estimate the Empathy coefficient of Customer Satisfaction bootstrap results are 0.103 with a t-count value of 1.488 smaller t-table (1.64) then the p value is 0.137 > 0.05 so Accept H0 is not significant or does not have a direct effect on Empathy on Customer Satisfaction is not significant or not statistically significant. The results of this statistic show that, meaning this SimCard student, telkomcel distributes it for free and with a data package of $ 25 per month and free calls to fellow student simcards, so the customer emapi will be higher and customer satisfaction will also increase automatically

3.       Assurance and Customer Satisfaction

The magnitude of the parameter coefficient for the Assurance variable on Customer Satisfaction of 0.296 which means there is a positive influence of Assurance on Customer Satisfaction Or it can be interpreted that the better the Assurance value then Customer satisfaction will increase. Increase of one unit of Assurance will also increase Customer Satisfaction by 29.6%. Based on calculations using bootstrap or resampling, where the results of the Assurance estimation coefficient test on Customer Satisfaction bootstrap results are 0.296 with a t-count value of 3.946 greater than t-table (1.64) then the p-value is 0.000 <0.05 so Accept H1 or which means the direct influence of Assurance to Customer Satisfaction statistically significant or significant. From these statistical results it proves that Assurance has a significant impact on Customer Satisfaction , which means that, in the process of distributing SimCadr students, Telkomcel does this formally, first making an application letter to the university, and the university answers based on a request from Telkomcel, and based on data - This student data that Telkomcel distributes this SimCard is guaranteed not to be published because there are already regulations that have been implemented by Telkomcel.

4.       Tangible and Repurchase Intentions

The magnitude of the parameter coefficient for the Tangible variable on Repurchase Intention of 0.246, which means there is a positive influence on the Tangible variable on the Repurchase Intention variable. Or it can be interpreted that the better the Tangible value, the Repurchase Intention will increase. Increase of one tangible unit will also increase Repurchase Intention by 24.6%. Based on calculations using bootstrap or resampling, where the results of the Tangible estimation coefficient test for Repurchase Intention bootstrap results are 0.246 with a t-count value of 3.284 greater than t-table (1.64) then the p-value is 0.001 <0.05 so Accept H1 or which means a direct influence Tangible to Repurchase Intention statistically significant or significant. Based on this analysis it can be concluded that the tangible variable as a dimension for strengthening service quality at Telkomcel Timor Leste, from these results shows that the reduction in frequency has an impact on Repurchase Intention of 24.6% meaning that the tangible being studied here is the Simcard Student part of (Mobile Network Operator) MNO will have a direct impact on Repurchase Intention, especially students /I in Timor Leste who use Telkomcel Student SimCards.

5.       Empathy and Repurchase Intention

The magnitude of the parameter coefficient for the Empathy variable on Repurchase Intention of 0.117 which means there is no positive influence on the Empathy variable on the Repurchase Intention variable. Or it can be interpreted that the value of Empathy is getting worse then Repurchase Intention will decrease. Decrease one unit of Empathy will also reduce Repurchase Intention by 11.7%. Based on calculations using bootstrap or resampling, where the test results estimate the Empathy coefficient of Repurchase Intention bootstrap results are 0.117 with a t-count value of 1.589 smaller t-table (1.64) then the p-value is 0.113 > 0.05 so Accept H0 is not significant or which means there is no direct influence of empathy to Repurchase Intention is not significant or not significant. The results of this statistic show that, it means that this SimCard student, Telkomcel distributes it for free and with a data package of $ 25 per month and free calls to fellow SIM Card Students, so the emapi of customers will be higher to request or request and the spread of information on the distribution of Simcar is also fast from students one to another student is also fast, so the demand for student SimCards will increase accordingly.

6.       Assurance and Repurchase Intention

The magnitude of the parameter coefficient for the Assurance variable on Repurchase Intention is 0.203, which means that there is a positive influence on Assurance on Repurchase Intention. Or it can be interpreted that the better the Assurance value then Repurchase Intention will increase. Increase of one unit of Assurance will also increase Repurchase Intention by 20.3%. Based on calculations using bootstrap or resampling, where the results of the Assurance estimation coefficient test on Repurchase Intention bootstrap results are 0.203 with a t-count value of 2.767 greater than t-table (1.64) then the p-value is 0.006 <0.05 so Accept H1 or which means the direct influence of Assurance to Repurchase Intention statistically significant or significant. From the results of this statistic proves that Assurance has a significant effect on Repurchase Intention, which means. the process of distributing student SimCadr, this is Telkomcel doing it formally, first making an application letter to the University, and the university answered based on a request from Telkomcel, and based on the student data that Telkomcel did the distribution of this SimCard guaranteed it will not be published because it already exists regulations that have been implemented by Telkomcel. So, from this process requests for student SimCards each period run well, and efficiently

7.       Customer Satisfaction and Repurchase Intention

The magnitude of the parameter coefficient for the variable Customer Satisfaction on Repurchase Intention is 0.318, which means there is a positive influence on Customer Satisfaction on Customer Satisfaction. Or it can be interpreted that the better the value of Customer Satisfaction then Repurchase Intention will increase. An increase in one unit of Customer Satisfaction will also increase Repurchase Intention by 31.8%. Based on calculations using bootstrap or resampling, where the test results of the estimated Customer Satisfaction coefficient of Repurchase Intention bootstrap results are 0.318 with a tcount value of 4.839 greater than t-table (1.64) then the p-value is 0.000 <0.05 so Accept H1 or which means the direct effect of Customer Satisfaction on Repurchase Intention is statistically significant or significant. So based on statistical results that Customer Satisfaction has a very significant influence on Repurchase Intention, which means that. In this three-dimensional study, one dimension is not significant for Variavel Y1 and Y2, meaning that empathy does not have a direct impact on these two variables because what is examined here is a student SimCard with a tag of $25/month and free calls to fellow SimCard students, so customers always empathetic to telkomcel products. And two other dimensions have a significant influence on the variables Y1 and Y2, meaning that the tangible and assurance variables directly affect the two variables. When there is a reduction in frequency, it will have an impact on customer satisfaction and by itself customer interest in repurchasing Telkomcel products will also decrease.

Table 9. Hypothesis Conclusions

Source: Taken from Inner Stage data processed by researchers

CONCLUSION

Based on the results of the research and discussion that has answered the formulation of the problem regarding the influence of Service Quality in this study, researchers only take three dimensions of Servqual, namely Tangible, Assurance, and Empathy for Repurchase Intention with Customer Satisfaction as an intervening variable in Tekomcel products in Timor Leste, so it can be concluded as follows:

1)       The results of the Tangible estimation coefficient test on Customer Satisfaction bootstrap results are 0.371 with a t-count value of 4.791 greater than t-table (1.64) then the p value is 0.000 <0.05 so Accept H1 or which means a direct influence Tangible to Customer Satisfaction statistically significant or significant. Based on this analysis it can be concluded that the tangible variable as a dimension to directly influence service quality at Telkomcel Timor Leste, from these results shows that the frequency reduction has an impact on trust of 37.7% meaning that the tangible being studied here is the Simcard Student part of (Mobile Network) Operator) MNO will have a direct impact on customer satisfaction, especially students /I in Timor Leste who use Telkomcel Student SimCards.

2)       The test results of the estimation coefficient of Empathy towards Customer Satisfaction bootstrap results are 0.103 with at count value of 1.488 smaller t-table (1.64) then the p value is 0.137 > 0.05 so Accept H0 is not significant or does not have a direct effect on Empathy on Customer Satisfaction is not significant or not statistically significant. The results of this statistic show that, meaning this SimCard student, telkomcel distributes it for free and with a data package of $ 25 per month and free calls to fellow student simcards, so the customer empathy will be higher and customer satisfaction will also increase automatically.

3)       Assurance estimation coefficient test results against Customer Satisfaction bootstrap results are 0.296 with a t-count value of 3.946 greater than t-table (1.64) then the p-value is 0.000 <0.05 so Accept H1 or which means the direct influence of Assurance to Customer Satisfaction statistically significant or significant. From these statistical results it proves that Assurance has a significant impact on Customer Satisfaction , which means that, in the process of distributing SimCadr students, Telkomcel does this formally, first making an application letter to the university, and the university answers based on a request from Telkomcel, and based on data - this student data that Telkomcel distributes SimCards to students and lecturers at the university, this data is guaranteed not to be published because there are already regulations that have been implemented by Telkomcel.

4)       The results of the Tangible estimation coefficient test on Repurchase Intention bootstrap results are 0.246 with a t-count value of 3.284 greater than t-table (1.64) then the p-value is 0.001 <0.05 so Accept H1 or which means the direct influence of Tangible Variables to Repurchase Intention statistically significant or significant. Based on this analysis it can be concluded that the tangible variable as a dimension for strengthening service quality at Telkomcel Timor Leste, from these results shows that the reduction in frequency has an impact on Repurchase Intention of 24.6% meaning that the tangible being studied here is the Simcard Student part of (Mobile Network Operator) MNO will have a direct impact on Repurchase Intention, especially students /I in Timor Leste who use the Telkomcel Student SimCard.

5)       The test results of the estimation coefficient of Empathy towards Repurchase Intention bootstrap results are 0.117 with a tcount value of 1.589 smaller t-table (1.64) then the p-value is 0.113 > 0.05 so Accept H0 is not significant or which means there is no direct influence of empathy to Repurchase Intention is not significant or not significant. The results of this statistic show that, it means that this SimCard student, Telkomcel distributes it for free and with a data package of $ 25 per month and free calls to fellow SIM Card Students, so the emapi of customers will be higher to request or request and the spread of information on the distribution of Simcar is also fast from students one to another student is also fast, so the demand for student SimCards will increase accordingly.

6)       Assurance estimation coefficient test results against Repurchase Intention bootstrap results are 0.203 with a t-count value of 2.767 greater than t-table (1.64) then the p-value is 0.006 <0.05 so Accept H1 or which means the direct influence of Assurance to Repurchase Intention statistically significant or significant. From the results of this statistic proves that Assurance has a significant effect on Repurchase Intention, which means. the process of distributing student SimCadr, this is Telkomcel doing it formally, first making an application letter to the University, and the university answered based on a request from Telkomcel, and based on the student data that Telkomcel did the distribution of this SimCard guaranteed it will not be published because it already exists regulations that have been implemented by Telkomcel. So, from this process requests for student SimCards each period run well, and efficiently.

7)       The test results of the estimation coefficient of Customer Satisfaction against Repurchase Intention bootstrap results are 0.318 with a t-count value of 4.839 greater than t-table (1.64) then the p-value is 0.000 <0.05 so Accept H1 or which means the direct effect of Customer Satisfaction on Repurchase Intention is statistically significant or significant. So based on statistical results that Customer Satisfaction has a very significant influence on Repurchase Intention, which means that. In this three-dimensional study, one dimension is not significant for Variavel Y1 and Y2, meaning that empathy does not have a direct impact on these two variables because what is examined here is a student SimCard with a tag of $25/month and free calls to fellow SimCard students, so customers always empathetic to telkomcel products. And two other dimensions have a significant influence on the variables Y1 and Y2, meaning that the tangible and assurance variables directly affect the two variables. When there is a reduction in frequency, it will have an impact on customer satisfaction and by itself customer interest in repurchasing Telkomcel products will also decrease.

 

 

 

 

 

 

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