EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis

Increasing University Students Intentional Use Of QRIS E-Payment

Herman Paleni — 2025-05-11

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

Risya Hidayani Pratiwi — 2025-05-30

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

Kharisma Azmi Yoningsih — 2025-05-30

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

Rifky Widodo — 2025-05-30

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

Siti Salamah — 2025-05-30

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

Desniawaty Desniawaty — 2025-05-30

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

Heru Prawira — 2025-05-30

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

Fikriansyah Fikriansyah — 2025-05-31

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

Irsan Aras — 2025-05-31

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

Ricky Ramadhan — 2025-05-31

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

Rezki Orientani — 2025-06-10

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

Novita Uki Hutami — 2025-06-10

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

Septana Wulandari — 2025-06-10

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.