EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis

Increasing University Students Intentional Use Of QRIS E-Payment

2025-05-11T07:15:13+00:00

This research examines the variables affecting students' intentions to utilize QRIS e-payment, with a focus on students enrolled in Bina Insan University of management program, despite earlier studies on QRIS adoption has made extensive use of the Technology Acceptance Model (TAM), mixed results point to the need for more investigation. Using the Slovin with a margin of error (0.05), a sample of 270 respondents was chosen from the population of 825 students in this research. To make sure the sample was representative, stratified proportional sampling was used. Using structural equation modeling, hypotheses were evaluated. The results of the study show that students' interest in utilizing QRIS is highly influenced by perceived ease of use and perceived risk. However, student enthusiasm in utilizing QRIS was not significantly impacted by perceived usefulness. This result raises the possibility that adoption may not be fueled only by the useful advantages of QRIS. Rather, it emphasizes how important it is for service providers to concentrate on enhancing transaction security and fostering user confidence. Promoting QRIS adoption among students may be more successful if its security features are improved and users worries regarding data security and financial stability are addressed. Future studies should examine how additional elements, such perceived social influence and institutional trust, affect student intentions to utilize QRIS.

Determinants Customer Satisfaction: Multiple Moderation Models Of Service Quality At Tourist Object Gubak Hills In Islamic Business Perspective

2025-05-30T14:28:50+00:00

This study aims to examine the impact of tourist facilities and price on customer satisfaction at Gubak Hills, with service quality as a moderating variable. Utilizing a quantitative method with a descriptive approach, the research involved 108 tourists who have visited Gubak Hills and reside in Bandar Lampung. Data was collected through questionnaires, and Smart PLS was used for structural equation modeling. The findings indicate that tourist facilities positively influence service quality, which significantly moderates the relationship between facilities and customer satisfaction. Similarly, price has a positive effect on customer satisfaction, with service quality enhancing the relationship between price and satisfaction. However, the study acknowledges limitations due to reliance on subjective perceptions, which may introduce bias and affect data accuracy. These insights are valuable for tourism managers seeking to improve visitor experiences and satisfaction at Gubak Hills.

The Effect Of Green Tourism Marketing On Green Trust To Increase Green Purchase Intention Ecotourism Destination Study

2025-05-30T14:52:52+00:00

Tourism is a rapidly growing sector of the global economy. The tourism sector contributes significantly to a nation's foreign exchange earnings. On the other hand, the development of the tourism sector has both positive and negative impacts on culture, socio-cultural life, and demographic conditions. This study focuses on green tourism marketing, green trust, and green purchase intention, particularly for ecotourism destinations. The research is located in Greater Bandung, specifically at Taman Hutan Raya Ir. H. Djuanda in Bandung Regency, chosen because Greater Bandung recorded a high number of domestic tourist visits, totaling 6.8 million in 2022. Therefore, the research aims to analyze (1) the effect of green tourism marketing on green trust, (2) the effect of green tourism marketing on green purchase intention, (3) the effect of green trust on green purchase intention, and (4) the effect of green tourism marketing on green purchase intention through green trust. The research method is quantitative, with data collected through questionnaires from a sample of 130 people. Data analysis was conducted using the SmartPLS 4.0 application. The results indicate that (1) green tourism marketing significantly affects green trust, (2) green tourism marketing significantly affects green purchase intention, (3) green trust significantly affects green purchase intention, and (4) green tourism marketing significantly affects green purchase intention through green trust.

Individual Performance Level Through Self Esteem, Self Efficacy And Locus Of Control In Islamic Perspective

2025-05-30T15:01:33+00:00

This research aims to analyze the influence of self-esteem, individual efficacy, and locus of control on employee performance at the Regional Development Planning Agency (Bapperida) from an Islamic perspective. It seeks to understand how positive psychological factors contribute to enhancing employee productivity and how Islamic principles can be applied to improve these factors, ultimately impacting work quality. Employing a quantitative approach with a descriptive design, the study focuses on Bapperida employees. Data is collected through a questionnaire assessing the effects of self-esteem, efficacy, locus of control, and performance. The data will be analyzed using regression analysis to test the relationships between variables, along with Smart PLS (Partial Least Squares) to evaluate the structural relationship model and understand the long-term effects of these psychological factors on performance. However, the findings may be influenced by respondents' subjective perceptions, as individual experiences and interpretations of Islamic teachings can affect responses. The study is limited to Bapperida, which may restrict the generalizability of the results to other organizations. Ultimately, the findings indicate that while self-esteem does not positively influence individual performance, both self-efficacy and locus of control have significant positive effects on employee performance.

The Influence Of Islamic Corporate Social Responsibility, Intellectual Capital, And Independent Commissioners On Financial Performance Moderated By Risk Management

2025-05-30T15:06:00+00:00

Financial performance plays an important role in a company, and good financial services can have a positive effect on the company. The purpose of this study is to investigate and demonstrate the influence of Islamic Corporate Social Responsibility (ICSR), intellectual capital, and independent commissioners on financial performance, with risk management as a moderating variable. The research population consists of companies listed on the Jakarta Islamic Index 70 (JII 70) during the period 2020–2023, with a sample of 17 companies selected using purposive sampling. Data were analysed using Moderated Regression Analysis (MRA). The results indicate that ICSR has a negative impact on financial performance, intellectual capital has a significant positive impact, while liquidity has a significant negative impact on financial performance. Risk management can moderate the effect of ICSR on financial performance. Risk management cannot moderate the effect of IC on financial performance, but it can moderate the effect of independent commissioners on financial performance. This study can complement existing theories and research findings, provide references for improving and enhancing company performance, and assess benefits.

Analysis Of The Influence Of Financial Literacy, Ease Of Use, Risk Perception, And Decision To Use QRIS As Digital Payment On FE Students Of Sarjanawiyata Tamansiswa University Yogyakarta

2025-05-30T15:09:09+00:00

The purpose of this study is to assess the influence of financial literacy, ease of use, and risk perception on the decision to use QRIS in students of the Faculty of Economics, Sarjanawiyata Tamansiswa University. This study uses a kunitative research method, and sampling is carried out with a purposive sampling approach. This study involved 100 active FE UST students. Data collection was carried out through a questionnaire distributed through a google form with a likert scale of 1-5. Data validity and reliability tests, classical assumption tests, multiple linear regression tests, and hypothesis tests were carried out using the SPSS Ver 25 statistical tool. The results of the study show that partially, the financial literacy of FE UST students has a positive and significant effect on their decision to use QRIS; the ease of use of QRIS has a positive and significant effect on their decision to use QRIS; and the perception of risk negatively affects their decisions. Simultaneously, this shows that financial literacy, ease of use, and risk perception positively and significantly influence QRIS decisions.

The Effect Of Service Quality, Place And Promotion On Purchasing Decisions For Yamaha N-Max Motorbikes At Ksm Nanga Pinoh Melawi Regency

2025-05-30T15:12:31+00:00

This study aims to analyze the effect of service quality, location, and promotion on purchasing decisions. Data collection was conducted through questionnaires, and to ensure the accuracy and reliability of the questionnaires, two test tools were used, namely validity test and reliability test. In the analysis, multiple linear regression was used to evaluate the relationship between the dependent variable (purchase decision) and independent factors (service quality, location, and promotion). The results showed that location, advertising, and service quality all had a significant impact on consumers purchasing decisions. With a significance level of 0.000 and a calculated F-value of 504.080, the F-test shows that together these independent factors have a major influence on purchasing decisions. The value of the coefficient of determination (R2) indicates that the three independent variables can explain 94.0% of the variance of the purchase decision. The study emphasizes the importance of service quality, location, and promotion in shaping customer behavior, as well as providing valuable insights for companies looking to improve their marketing strategies.

The Effect Of Service Quality And Price On Purchasing Decisions For Honda Genio Motorbikes At PT Nusantara Surya Sakti In Kubu Raya

2025-05-31T08:16:24+00:00

This study aims to determine whether there is a relationship between quality and price on purchasing decisions. With a data collection strategy using a questionnaire and a sample size of 100 respondents, this study uses an associative methodology. Respondents are consumers who buy Honda Genio Motorbikes aged 17-50 years. The statistical methods used in the analysis include: multiple linear regression, correlation coefficient and determination, simultaneous test (F test), and partial test (t test). The data were linear, normally distributed, and showed no signs of multicollinearity; these findings were confirmed by the standard assumption tests. The variables have a strong relationship with each other, as indicated by the correlation value of 0.842. Based on the coefficient of determination (R2) value, the variables included in this study contributed 71.0% to the purchase decision, while the remaining 29% was influenced by other factors not included in this study. The study shows that service quality and price have a significant influence on purchasing decisions.

Improving Higher Education Performance Through Strategic Collaboration And Intellectual Capital: A Path To Competitive Advantage

2025-05-31T08:37:16+00:00

This research aims to explore how strategic collaboration and intellectual capital can improve higher education performance and achieve competitive advantage. The main objective of this study is to identify the relationship between strategic collaboration, intellectual capital, and the performance of higher education institutions, as well as how these three elements can be used synergistically to achieve competitive advantage. The research method used is a quantitative approach with the population of all private universities (PTS) in the LLDikti II Region, which totals 197 private universities. The data analysis technique uses the Structural Equation Models (SEM) approach with the help of the SmartPLS program package. The results of the study show that strategic collaboration has a positive and significant impact on higher education performance. In addition, intellectual capital was also found to contribute significantly to improving the performance of the institution. The combination of strategic collaboration and intellectual capital resulted in a greater improvement in higher education performance compared to each element separately. These results show that institutions that adopt a collaborative approach and manage their intellectual capital will tend to have better performance and are able to compete more effectively in the global education market. Based on these findings, the study recommends that higher education institutions should increase their collaborative efforts, both inside and outside the institution, as well as invest in the development and management of intellectual capital.

The Effect Of Promotion And Location On The Purchase Decision Of Honda New Vario 150 CBS Motorcycle At PT Tunas Dwipa Matra Melawi Regency

2025-05-31T08:42:58+00:00

This study aims to identify the effect of promotion and location on the purchase decision of Honda New Vario 150 CBS motorcycle at PT Tunas Dwipa Matra, Melawi Regency. This study adopts associative approach with purposive sampling method. A total of 100 respondents who had bought a Honda New Vario 150 CBS motorcycle at PT Tunas Dwipa Matra became part of this research sample. Data analysis was conducted using multiple linear regression through SPSS software version 25. The testing process in this study includes validity, reliability, normality, linearity, and multicollinearity. Hypothesis testing is done by using simultaneous test (F test) and Partial Test (t test). Based on the results of hypothesis testing, both simultaneously (F test) and partially (T test), it can be concluded that promotion and location together have a significant positive impact on purchasing decisions. In addition, both also show an independently positive and significant influence on the purchase decision.

Analysis Of The 7P Marketing Mix At Panorama Hejo, Sentul

2025-06-10T09:27:32+00:00

Tourism from 2021 to 2023 has continued to show growth in West Java, particularly in the Bogor Regency/City area. The increasing competition in the tourism industry demands that stakeholders be able to compete by focusing on the marketing mix. Panorama Hejo is a new nature tourism attraction and accommodation in the Sentul area, established in 2023. The urgency of this research to help identify the overall 7Ps and how to develop them to make the destination more attractive to tourists. This is particularly relevant due to several complaints found in Google Reviews from tourists who have previously visited Panorama Hejo in Bogor. Therefore, this study is expected to identify the 7Ps marketing mix according to both stakeholders and tourists, assess the potential for development, and provide recommendations for improvement for Panorama Hejo. The research was conducted through field observations and interviews with stakeholders and tourists who were able to provide information regarding the marketing mix of Panorama Hejo.

Sustainable Ecotourism In Keranggan Village: Economic, Socio-Cultural, And Environmental Insights

2025-06-10T09:30:40+00:00

Ecotourism development is considering as a part of implementation of sustainable tourism development that emphasizes on community empowerment for achieving the equality of economic growth, socio-cultural improvement, and environment sustainability. This study aims to analyze the economic, socio-cultural, and environmental impacts on the management of Keranggan Village Ecotourism. The researchers conduct quantitative research by collecting primary data with questionnaires on 100 tourism workers in Keranggan Recency that uses the analysis technique of Structural Equation Model- Partial Least Square (SEM-PLS) 4.0. Based on hipotesis test, economic factors are not the most important, meanwhile socio cultural and environmental factors are the main factors for the sustainability of community based ecotourism. In order to achieve the sustainability, it is necessary to increase the infrastruktur for educating and training as well as empowering the community.

Model Of Adoption And Sustainability Of E-Wallet Use Of Dana, OVO, And Gopay In Surakarta City: A Technology Acceptance Model Approach

2025-06-10T09:33:20+00:00

The rapid development of technology in Indonesia has brought great changes in many aspects of life, one of which is financial technology. The rapid advancement of technology can help many sectors, one of which is the Indonesian financial industry. This study aims to evaluate the structural model of adoption of e-wallet use by utilizing the Technology Acceptance Model theory among the people of Surakarta City. The research method used is quantitative through questionnaire distribution. The sampling technique used was purposive sampling, and the data was examined through the Partial Least Squares (PLS) method in Structural Equation Modeling (SEM) analysis. The results of the study explained that the structural model developed in this study is feasible to be used as an instrument for measuring the factors that influence a person to adopt an e-wallet.

Improving Efficiency In Small Construction Projects: A Project Management Body Of Knowledge Approach

2025-06-24T07:28:31+00:00

Indonesia’s construction sector relies on foreign investment and meeting international standards for quality, safety, and sustainability, which boosts competitiveness in large-scale infrastructure. This study examines CV. PPA, a construction company in East Java, focusing on the Type 48 housing project. Using the Project Management Body of Knowledge (PMBOK) framework, specifically in Project Scope Management and Project Integration Management, the research identifies key inefficiencies in scope definition, resource allocation, and activity integration. Data were gathered through interviews with the company’s Director and other employees, analyzed with PMBOK, and used to propose project improvements and derive lessons for future initiatives. Findings highlight practical insights to enhance CV. PPA’s project efficiency and offer recommendations for other companies within Indonesia's construction sector, emphasizing structured project management to achieve sustainable growth.

The Effect Of Supervision And Standard Operational Procedures (SOP) On Employee Performance With Work Discipline As An Intervening Variable

2025-06-24T07:31:59+00:00

The goals of the organization are not only dependent on technology, but more dependent on the human resources who carry out their work. The ability to provide optimal work results to meet the needs of the organization as a whole is a contribution to employee performance. Having employees who have good performance and quality is the hope of every leader in order to achieve the goals of the organization. This study aims to test and analyze the effect of supervision and Standard Operating Procedures (SOP) on employee performance with work discipline as an intervening variable in the Nursing section of the Kalisat Regional Hospital. The population used in this study were all employees in the Nursing section of the Kalisat Regional Hospital and the sample size was 130 respondents. The method of analysis and hypothesis testing uses variance-based SEM testing or Partial Least Square (SEM-PLS) with the WARP-PLS program. The results showed that supervision has a positive and significant effect on employee performance and work discipline. Standard Operating Procedures (SOPs) have a positive and significant effect on work discipline but are not significant to employee performance. Work discipline has a positive and significant effect on employee performance. Supervision and Standard Operating Procedures (SOP) have a positive and significant effect on employee performance with work discipline as an intervening variable.

The Role Of Customer Satisfaction As A Mediation Of The Influence Of Celebrity Endorsement And Brand Image On Customer Loyalty Of Kopi Kapal Api In West Bandung

2025-06-24T07:39:39+00:00

This research aims to analyze the influence of celebrity endorsement and brand image on customer satisfaction which is mediated by the satisfaction of Kapal Api coffee customers in West Bandung. The type of research used in this research is quantitative. The population in this study were consumers who made repeated purchases of Kapal Api coffee. Meanwhile, the number of samples taken was 100 respondents using purposive sampling technique. This research uses analytical tools in the form of validity tests, reliability tests, classical assumption tests, multiple regression tests using SPSS version 25 tools and the Sobel test. The results of this research are 1) celebrity endorsement has a positive effect on customer loyalty 2) brand image has a positive effect on customer loyalty 3) celebrity endorsement has a positive effect on customer satisfaction 4) brand image has a positive effect on customer satisfaction 5) customer loyalty has a positive effect on satisfaction customers 6) customer satisfaction can mediate the influence of celebrity endorsement on customer loyalty 7) customer satisfaction can mediate the influence of brand image on customer loyalty.

Achieving Pro-Environmental Attitudes Through Integration Of Entrepreneurial Values In Professional Teacher Education Students

2025-06-25T02:49:44+00:00

Increased exploitation of nature and environmental damage are the sources of problems of biodiversity population in Indonesia. This phenomenon occurs with the role of integration of modern entrepreneurial values based on desires through pro-environmental education of Teacher Professional Education (PPG) students in Indonesia. This study aims to analyze the effect of integration of green entrepreneurial values through entrepreneurial organizations as mediation on pro-environmental behavior. The research approach used is a quantitative survey with a nonprobability sampling data collection method on 104 teacher professional education (PPG) students in Indonesia. Path model analysis using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results of the study showed a significant effect except for green leadership and green power management resources on pro-environmental behavior. In addition, the mediation of green entrepreneurial orientation also had an insignificant effect. These findings emphasize the urgency of the approach to integrating entrepreneurial values to increase pro-environmental behavior in teacher professional education (PPG) students as prospective professional teachers.

The Effect Of Transfer Pricing, Foreign Ownership, And Capital Intensity On Tax Avoidance

2025-06-24T07:51:11+00:00

This research is crucial due to the need to understand the influence of capital intensity, foreign ownership, and transfer pricing on tax evasion practices in non-cyclical consumer sector companies listed on the IDX during the 2021–2023 period. Given the substantial contribution of this sector to the economy, evaluating how these companies manage their tax responsibilities is highly relevant. The study employs a quantitative approach using panel data regression, alongside estimation techniques such as the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM). To ensure the model's accuracy, the coefficient of determination test is applied. The findings reveal that transfer pricing has a significant impact on tax evasion, while foreign ownership and capital intensity do not show a notable influence. However, when considered simultaneously, all three variables affect tax evasion. These results provide valuable insights for policymakers aiming to mitigate tax evasion practices and offer an empirical contribution to the existing taxation literature.

Green Accounting And Material Flow Cost Accounting (MFCA) For The Sustainable Development Of Palm Oil Companies In Indonesia

2025-06-25T03:46:18+00:00

The MFCA concept is anticipated to introduce a new approach in supporting the achievement of the SDGs, particularly in the environmental sector. This study aims to explore the impact of implementing green accounting and material flow cost accounting on the sustainable development of oil palm plantation companies in Indonesia. The data analysis method employed is multiple linear regression. The findings indicate that both green accounting and material flow cost accounting (MFCA) have a positive and significant influence on the sustainable development of palm oil plantation companies in Indonesia. Companies that incorporate green accounting into their financial reporting not only gain public trust but also enhance their ability to operate sustainably. This highlights that aligning corporate growth with environmental stewardship can significantly contribute to long-term business sustainability. Consequently, stakeholders should advocate for companies to prioritize environmental protection and social responsibility alongside profitability.

The Influence Of Occupational Health And Safety (K3) On Employee Performance With Job Satisfaction As An Intervening Variable

2025-06-24T07:56:56+00:00

The success of human resource management is reflected in the performance of employees who are able to fulfill their responsibilities very well, so that the company can achieve the predetermined targets. The study aimed to determine and analyze the effect of Occupational Safety Health (K3) on employee performance with job satisfaction as an intervening variable study at PT Rolas Nusantara Medika Jember Regency. This research uses quantitative methods. The population studied in this study were employees of PT Rolas Nusantara Medika at 2 Hospitals, 5 Clinics and Head Office offices in Jember Regency, totaling 260 people and sampling using purposive sampling method. The analysis technique used SEM-PLS analysis with the help of Warp-PLS software. The results showed that Occupational Health and Safety (K3) had a positive and significant effect on job satisfaction and employee performance. Job satisfaction has a positive and significant effect on employee performance. Occupational Health and Safety (OHS) and organizational culture have a positive and significant effect on employee performance through job satisfaction.

The Effect Of Financial Technology, Financial Inclusion, And Innovation On MSME Performance Financial Literacy As Moderation

2025-06-24T08:00:03+00:00

The purpose of this study is to examine the relationship of financial literacy in Magelang district with the in fluence of fintech, innovation and finalcial inclusion on the performance of micro, small and medium enterprises (MSMEs). Data from 84 participants were used, which were then analyzed using IBM SPSS version 23. Small and medium enterprise (MSME) participants in the service, trade, and manufacturing sectors of Magelang district were surveyed for this study. Using purposive sampling as its data research technique, this study utilized quantitative methodology. The researcher collected data by having participants fill out an online survey using Google Forms. The analysis approach used SPSS and MRA. The results obtained show that financial technology and inclusion have a significant positive effect, while innovation is not significant. Financial literacy strengthens business performance related to fintech and innovation, but not financial inclusion. While future researchers can explore additional factors that can be reviewed to see the implications of the goal to strengthen the competitiveness of MSMEs in Magelang District.

Factors Influencing Village Government Resistance To Sub-District Head Policy In The Establishment Of Inter-Village Cooperation Body In Huruna Sub-District, South Nias Regency

2025-06-25T03:26:17+00:00

The objectives to be achieved in this study are to determine the resistance of the Village Government to the Camat policy and to analyze the factors that influence the resistance of the Village Government to the Camat policy in the formation of the Inter-Village Cooperation Agency in Huruna District, South Nias Regency. The type of research used in this study is qualitative research. The sampling technique uses purposive sampling and the main informants in this study are the sub-district head, village secretary, BPD chairman and members, treasurer and the kaur. And additional informants are people who can provide additional information as a complement to the analysis and discussion and qualitative research. The additional informants in this study are several community leaders, village officials and sub-district officials. Data collection techniques use observation, documentation and interviews. From the results of the study, it was obtained that in regional autonomy, there is no cooperation between villages in government affairs and community interests, because each village only takes care of its village and its citizens. Regarding human resources and capacity, there is no cooperation between villages in planning and managing village development. And there is no cooperation between villages in collaborating to create an effort to improve the village economy. The policy implemented by the Sub-district Head has supervised Siforoasi Village and other villages in Huruna District by facilitating the preparation of village regulations, providing guidance, supervision, facilitation, and consultation on the implementation of village administration. As well as evaluating the implementation of village government. The Sub-district Head encourages community participation between villages in sub-district development planning, evaluating community empowerment activities between villages.

The Effect Of Information Technology Sophistication, Internal Control, Top Management Support And Innovative Culture On The Quality Of Accounting Information Systems

2025-06-25T03:34:55+00:00

In the digital era, the quality of accounting information systems is an urgent need to support effective decision making. This study aims to analyse the effect of information technology sophistication, internal control, top management support, and innovative culture on the quality of accounting information systems. This research uses a quantitative method with a survey involving 96 respondents from various companies. Data were collected through questionnaires and analysed using SEM-PLS. The results showed that the sophistication of information technology and innovative culture had a significant effect on the quality of accounting information systems. In contrast, internal control and top management support showed no significant effect. In addition, innovative culture cannot mediate the relationship between top management support and accounting information system quality. These findings provide new insights into the importance of implementing modern technology and innovative culture to improve the quality of accounting information. In conclusion, companies need to focus on technological innovation and organisational culture to ensure reliable accounting information systems.

The Influence Of Administrative Service Quality And Campus Infrastructure On Student Satisfaction: The Role Of Student Loyalty As A Mediator

2025-06-25T04:26:15+00:00

Higher education in Indonesia is expanding, but challenges in administrative services and infrastructure affect student satisfaction and loyalty. Politeknik Bumi Akpelni faces significant gaps, with 65% of students dissatisfied with services and 58% with facilities. This study uses primary data from questionnaires and secondary data, with a sample of 499 final-year students selected purposively. Data analysis includes validity and reliability tests, multiple linear regression, F-test, R², t-tests, and Sobel test for mediation analysis on student loyalty. Addressing these issues is crucial to improving student loyalty and the institution’s reputation. Administrative Service Quality has a positive and significant effect on Student Loyalty. Campus Infrastructure has a positive and significant effect on Student Loyalty. Administrative Service Quality has a positive and significant effect on Student Satisfaction. Campus Infrastructure does not have an effect on Student Satisfaction. Student Loyalty has a positive and significant effect on Student Satisfaction. There is a mediating effect of Student Loyalty in mediating the relationship between Administrative Service Quality and Student Satisfaction. There is a mediating effect of Student Loyalty in mediating the relationship between Campus Infrastructure and Student Satisfaction.

The Role Of Customer Financial Statements In Providing Credit At Bank Bengkulu Putri Hijau Sub-Branch Office

2025-06-25T09:31:15+00:00

The purpose of this study is 1) To identify and analyze the role of financial reports in the credit granting process at Bank Bengkulu KCP Putri Hijau, 2) To determine the financial report elements that are of primary concern in credit evaluation at Bank Bengkulu KCP Putri Hijau, 3) To understand and evaluate the relationship between financial reports and credit risk at Bank Bengkulu KCP Putri Hijau. The analytical method used in this study is a qualitative descriptive method using the interactive model of Miles and Huberman.The research findings indicate that financial reports play a key role in credit granting by Bank Bengkulu KCP Putri Hijau. Financial reports provide information about the financial health of customers, portfolio performance, and the level of risk faced, which are used to determine credit policies, resource allocation, and risk management to ensure the bank remains stable and competitive. Some key financial report elements in credit evaluation at Bank Bengkulu KCP Putri Hijau are the items in the income statement such as net operating income and net profit. As for the balance sheet, the focus is on total current assets and total assets. The relationship between financial reports and credit risk at Bank Bengkulu KCP Putri Hijau is analyzed through financial ratios such as Debt Service Coverage Ratio (DSCR), Current Ratio, Net Profit Margin (NPM), and Return on Assets (ROA). These ratios help assess the company's ability to service debt, thereby minimizing credit risk or defaults before credit approval is granted.

Organization Readiness For ICT Implementation In In-House Hotel Booking Systems (Study Case: Zest Hotel Sukajadi)

2025-06-25T09:39:31+00:00

Hotels are increasingly exploring digital transformation by developing in-house booking systems as an alternative to Online Travel Agencies (OTAs). While OTAs enhance market reach and occupancy rates, their high commission fees and limited pricing control impact revenue management. Additionally, technical issues such as data synchronization errors create operational inefficiencies. To mitigate these challenges, some hotels, like Zest Hotel, implement hybrid systems that integrate both OTA and direct booking methods to improve system compatibility and customer engagement. Using qualitative research methods and NVivo for thematic analysis, this study identifies seven key factors influencing ICT adoption in hotels: leadership management, employee competence, organizational culture, structure, resource allocation, strategic alignment, and innovation. Despite limitations in scope, the findings provide a framework for understanding ICT adoption in hotel booking systems. Future research could explore trends such as cybersecurity, artificial intelligence, hotel segmentation, and business sustainability.

The Effect Of Job Stress And Turnover Intention On Auditor Dysfunctional Behavior With Locus Of Control As A Moderating Variable

2025-06-25T09:46:42+00:00

This research aims to examine the influence of Job Stress and Turnover Intention on Auditor Dysfunctional Behavior with Locus of Control as a Moderating Variable. The research method used is a quantitative method using primary data obtained through distributing questionnaires to respondents, namely External Auditors working at Public Accounting Firms (KAP) in the South Jakarta area. This research data test was processed using SmartPLS version 4.1.The results of this research indicate that Job Stress has a positive and significant effect on Auditor Dysfunctional Behavior, Turnover Intention has a positive and significant effect on Auditor Dysfunctional Behavior, Locus of Control has a positive and significant effect on Auditor Dysfunctional Behavior, Locus of Control is unable to moderate the effect of Job Stress on Auditor Dysfunctional Behavior, and Locus of Control is able to moderate the effect of Turnover Intention on Auditor Dysfunctional Behavior.

The Influence Of Social Media Marketing Effort On Purchase Decisions Mediated By Brand Trust In Shrimp Farmers

2025-06-27T07:24:23+00:00

The aim of this research is to investigate the influence of social media marketing effort on consumer purchase decisions in the plastic geomembrane industry. Apart from that, it is also to test whether brand trust mediates the relationship between social media marketing effort and purchase decisions. Necessary data was gathered from consumers of geomembrane plastic JEMPOL via a quantitative online survey. After obtaining the desired responses, the data was analyzed by the SPSS – Statistical Package for the Social Science and JASP - Jeffreys's Amazing Statistics Program software. The results confirmed the significance of brand trust in predicting purchase decision. Above that, this study provides a good understanding of the consumer behavior of geomembrane plastic JEMPOL and a new perspective in the geomembrane plastic industry.

The Effect of Media Marketing Effort, E-Wom on Apartment Purchase Decision with Information Transparency as moderating variable

2025-06-27T07:28:54+00:00

This study investigates the influence of Social Media Marketing Efforts (SMME), Electronic Word of Mouth (E-WOM), and Information Transparency on apartment purchase decisions. Using a quantitative descriptive approach, data were collected from consumers who had purchased apartments at Barsa City Yogyakarta and analyzed through multiple regression and statistical tests in SPSS. The Macro PROCESS tool was employed to test the moderation hypothesis. The results revealed that SMME and E-WOM significantly and positively impact apartment purchase decisions, emphasizing the importance of social media strategies and consumer recommendations in driving purchases. However, the hypothesis regarding the moderating role of Information Transparency was not supported, indicating that the level of transparency does not alter the influence of SMME and E-WOM on purchase decisions. These findings highlight the critical role of social media marketing and E-WOM in shaping consumer behavior in the property sector, while also suggesting that other factors may better explain the role of Information Transparency.

Customer Satisfaction As A Bridge: The Impact Of Service Quality And Product Diversification On Loyalty

2025-06-27T07:33:02+00:00

This study aims to analyze the influence of product diversity and service quality on customer loyalty through customer satisfaction as an intervening variable in PT. Tirta Sakti Mandiri. The food and beverage (F&B) industry is a vital sector in the economy, offering significant market potential amid increasing competition. Customer loyalty is the key to success; However, the data shows a decline in loyalty due to inadequate product availability and service support. This study uses a quantitative method with the Structural Equation Modeling (SEM-PLS) approach to analyze the relationship between variables. Data was collected through a survey to customers of PT. Tirta Sakti Mandiri, including hotels, villas, cafes, and restaurants in Bali. The results of the study show that product diversity and service quality have a positive and significant influence on customer satisfaction, which in turn increases customer loyalty. Customer satisfaction serves as a mediating variable in the relationship between product diversity and service quality to customer loyalty. This study provides managerial implications for PT. Tirta Sakti Mandiri to increase product diversity and service quality to maintain customer loyalty. With the right strategy, companies can build a sustainable competitive advantage.