e-Jurnal STIE Pasaman (Sekolah Tinggi Ilmu Ekonomi)
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THE ROLE OF DEMOGRAPHIC FACTORS MODERATING THE LEVEL OF DIGITAL LITERACY ON ONLINE LENDING BEHAVIOR
No full textThe aim of this study to explore the role of demographic factors moderating the level of digital literacy on online lending behavior. This study use a purposive sampling technique and the sample elements of the object are selected based on certain considerations and criteria, namely micro and small business actors on this study. Data was collected using survey techniques with a total of 100 respondents. The proposed model of this study are using descriptive analysis and SEM PLS in order to obtain the information about digital literacy on the online lending behavior of the Padang community moderated by demographic factors. The results of this study show that the majority of respondents are dominated by productive age who have high intensity in utilizing peer-to-peer lending (P2P lending) information technology. This study also shows the significance of financial literacy in influencing financial behavior, and the demographic factors are significantly able to moderate financial literacy on financial behavior. The study results also show that it is important for future researchers to make risk preferences and social environment a relevant approach in measuring individual financial behavior related to building a positive and wise perspective in using peer-to- peer lending (P2P lending).
Keywords: Digital literacy, demographic factors, financial behavior, online lendin
FACTORS AFFECTING WILLINGNESS TO LENDFINTECH BASED ON PEER TO PEER LENDING WITH THE LEVEL OF PLATFORM TRUST AS AN INTERVENING VARIABLE
No full textFintech P2P Lending was introduced in Indonesia in 2015 and along with technological advances, the P2P Lending industry experienced rapid development. This P2P Lending service connects lenders with borrowers to agree on lending and borrowing transactions. The aim of this research is to analyze the factors that influence the willingness to lend to fintech based on peer to peer lending with the level of trust in the platform as an intervening variable.The population from data collected from the Financial Services Authority Statistics is 158,366 bank accounts. Determining the sample using the Slovin technique, from the calculation results it was obtained that there were 99 rounded up to 100 samples who had been lenders from P2P lending platforms. The research results show that regulatory protection has a positive (0.265) and significant (0.001 < 0.05) effect on trust in the platform. Security guarant ees have a positive (0.584) and significant (0.000 < 0.05) effect on trust in the platform. Regulatory protection has a positive (0.203) and significant (0.030 < 0.05) effect on willingness to lend. Security guarantees have a positive (0.256) and significant (0.039< 0.05) effect on willingness to lend. Trust in the platform has a positive (0.388) and significant (0.004< 0.05) effect on willingness to lend. Regulatory protection has a significant effect (0.040< 0.05) on willingness to lend mediated by trust in the platform. Security guarantees have a significant effect (0.008< 0.05) on willingness to lend mediated by trust in the platform.Keywords: Regulatory Protection, Security Guarantee, Platform Trust, Willingness To Len
THE INFLUENCE OF THE KOREAN WAVE ON THE PURCHASE INTEREST OF SOUTH KOREAN CULINARY PRODUCTS WITH FOOD VLOGGERS AS A MODERATING VARIABLE
No full textKorean Wave is very popular in Indonesia so it is not surprising that it has many fans in Indonesia. The popularity of the Korean Wave has had an impact on the further development of South Korean culinary products. This is also supported by various reviews by several food vloggers which ultimately encourage consumer buying interest. This research aims to examine the influence of the Korean wave on interest in purchasing South Korean culinary products, and food vloggers as a moderating variable on the influence of the Korean wave on interest in purchasing South Korean culinary products. To obtain data, a sample of 100 respondents was taken representing Generation Y or millennials and Z in Salatiga City using the Purposive Sampling technique. The analytical tools used are simple regression analysis and Moderated Regression Analysis. The research results show that the Korean Wave has a positive effect on interest in buying South Korean culinary products. Apart from that, Food Vlogger strengthens the positive influence of the Korean Wave on interest in buying South Korean culinary products
STRATEGY TO ENHANCE THE COMPETENCIES OF CIVIL SERVANTS AT THE REGIONAL REVENUE AGENCY OFFICE OF BEKASI CITY
No full textThe Regional Revenue Agency of Bekasi City, a government body providing public services, exhibits a competency gap between the civil servants' (ASN) current skills and those required by the organization. This study aims to identify the factors causing this gap and develop strategies to enhance ASN competencies at the agency. Employing a qualitative descriptive approach, the research utilized interviews, observations, and literature review. The analysis, based on theories by Zwell and West, identified Belief, Skills, Experience, Personality Characteristics, Motivation, Emotional Issues, Intellectual Abilities, and Creativity as key competency factors. The findings indicate that the primary gaps are in Skills, Employee Characteristics, and Intellectual Abilities. In contrast, Belief, Experience, Motivation, Emotional Issues, and Creativity are strengths supporting competency improvement. Based on these insights, the study proposes a competency enhancement strategy for the Bekasi City Regional Revenue Office. This includes redesigning job competency standards, conducting competency assessments, allocating budget for competency development, implementing educational and training programs, and evaluating the effectiveness of these initiatives in improving competencies. Keywords: Competence, Human Resources, Strateg
THE INFLUENCE OF INCOME AND FINANCIAL LITERACY ON INVESTMENT DECISION THROUGH FINANCIAL BEHAVIOR AS A MODERATING VARIABLE
No full textThis study aims to discover the influence of income and financial literacy on investment decisions through financial behavior as a moderating variable for Bank Nagari Muara Labuh Branch customers. The sample in this study were customers of Bank Nagari with a total of 100 samples. The data analysis method uses moderated regression analysis The results are based on the research and hypothesis testing that has been done, the results of the study can obtain that income has a positive and significant effect on Investment Decisions at Bank Nagari Muara Labuh Branch. Financial Literacy positively and significantly affects Investment Decisions at Bank Nagari Muara Labuh Branch. Income positively and significantly affects Investment Decisions through Financial Behavior at Bank Nagari Muara Labuh Branch. Financial Literacy positively and significantly affects Financial Behavior Decisions at Bank Nagari Muara Labuh Branch. This research contributes to financial institutions to create policies to improve customer investment decisions. For the government, this research contributes to making policies in setting regional minimum wages Keywords: Income, Financial Literacy, Investment Decisions, Financial Behavio
THE INFLUENCE OF SERVICE QUALITY AND DESTINATION IMAGE ON INTEREST IN REVISITING VISITOR SATISFACTION AS A MEDIATION VARIABLE
No full textThis research aims to prove the influence of service quality and destination image on interest in revisiting visitor satisfaction as a mediating variable in a case study at the Gandoriah Pariaman Beach tourist attraction. This research uses a quantitative approach. The population in this study is all people who have visited the Gandoriah Pariaman Beach tourist attraction with a sample size of 100 respondents. Samples were taken using a purposive sampling technique. The results of this research were assisted by SPSS 26 and Smart-PLS 3. The results of this research can be concluded that the variables of service quality and visitor satisfaction have a positive effect on interest in revisiting, service quality has a positive impact on visitor satisfaction, and the destination image variable has no effect on interest in returning to visit. and visitor satisfaction. Another result is that the visitor satisfaction variable mediates the relationship between service quality and interest in revisiting and visitor satisfaction does not mediate the relationship between destination image and interest in reviewing.Keywords: Service Quality, Destination Image, Visitor Satisfaction, Intention to Revisi
THE IMPACT OF AVAILABILITY BIAS AND REPRESENTATIVE BIAS ON INVESTMENT DECISIONS AND PERFORMANCE: THE ROLE OF FOMO AS AN INTERVENING VARIABLE
No full textThis research starts at the root of the problem of investor irrationality in the capital market. A series of studies in the last decade show that investors tend to behave irrationally, and phenomena or anomalies are repeatedly found in the capital market or financial markets that are not in line with standard/traditional finance theory or conventional/orthodox economics theory. This research aims to determine the impact of availability bias, representative bias, and fear of missing out (FOMO) on investment decisions and investment performance, and to find out that FOMO can act as a mediating variable between these relationships. The population in this study were all investors who traded in the Indonesian capital market through brokerage houses in several cities in Indonesia, and the sample size was 116 respondents, using a purposive sampling technique. The data used is primary data, data collection techniques use questionnaires. Structural Equation Modeling (SEM) data analysis technique with the SmartPLS analysis tool. The research results show that availability bias has a positive and significant impact on investment decisions and investment performance. Representative bias has a negative and insignificant impact on investment decisions, but representative bias has a positive and significant impact on investment performance. FOMO has a positive and significant impact on investment decisions and investment performance. Availability bias and representative bias have a positive and significant impact on FOMO. FOMO partially mediates the relationship between availability bias towards investment decisions and investment performance, then representative bias towards investment performance, but FOMO fully mediates the relationship between representative bias towards investment decisions. The results of this research would contribute to the development of knowledge about behavioral finance and have theoretical and policy implications for Indonesian retail investors. Keywords: Availability Bias, Representative Bias, Fear of Missing Out (FOMO), Investment Decisions, and Investment Performanc
THE INFLUENCE OF WORK MOTIVATION, MASTERY OF INFORMATION TECHNOLOGY AND COMPETENCY ON EMPLOYEE PERFORMANCE AT THE OFFICE OF THE MINISTRY OF RELIGION, PASAMAN
No full textThis research aims to examine the influence of Work Motivation, Mastery of Information Technology and Competence on Employee Performance at the Pasaman Regency Ministry of Religion Office. The population in this study were employees of the Ministry of Religion of Pasaman Regency, consisting of 38 people. This research sample used the Saturated Sampling technique. This research was analyzed using multiple linear regression. The results of the research show that work motivation has no significant effect on employee performance at the Pasaman Regency Ministry of Religion Office with a significance value of 0.112. Mastery of Information Technology partially has a significant effect on Employee Performance at the Pasaman Regency Ministry of Religion Office with a significance value of 0.001 and Competency has a significant effect on Employee Performance at the Pasaman Regency Ministry of Religion Office with a significance value of 0.004. Simultaneously, Work Motivation, Mastery of Information Technology and Competency have a significant effect on Employee Performance at the Pasaman Regency Ministry of Religion Office with a significance value of 0.000. From the Coefficient of Determination Test Results (R2), a value of 0.556 was obtained, meaning that Work Motivation, Mastery of Information Technology and Competency were able to contribute 55.6% to Employee Performance at the Pasaman Regency Ministry of Religion Office. Keywords: Work Motivation, Mastery of Information Technology, Competency and Performance
THE IMPACT OF GREEN MARKETING AND LIFESTYLE ON PURCHASE INTENTION IN UNIQLO INDONESIA WITH CONSUMER BEHAVIOR AS INTERVENING VARIABLE
No full textWith the fast fashion industry experiencing rapid growth in Indonesia, the effectiveness of green marketing strategies employed by major players such as UNIQLO Indonesia has become a critical concern. This study aims to investigate the impact of green marketing and lifestyle on purchase intention within the context of UNIQLO Indonesia's fast fashion industry, with a focus on understanding consumer behavior as an intervening variable. To achieve this, the study utilizes a mixed-methods approach, incorporating surveys and interviews to gather data. The data analysis employs statistical and analytical techniques to examine the relationships between variables, while also utilizing an Industrial Organizational (I/O) model to formulate effective strategies. By employing these methods, the study seeks to provide a comprehensive understanding of the interplay between green marketing, lifestyle, consumer behavior, and purchase intention in the specific context of UNIQLO Indonesia. The expected results of this study include valuable insights into the alignment between UNIQLO Indonesia's green marketing strategies and consumer behaviors. It is anticipated that the findings will offer actionable recommendations to strengthen the brand's sustainability efforts and enhance its market competitiveness. By understanding the mediating role of consumer behavior and developing targeted marketing campaigns, UNIQLO Indonesia can enhance the effectiveness of its green marketing initiatives, ultimately contributing to a more sustainable and competitive position within the Indonesian fast fashion industry. Keywords: Green Marketing, Lifestyle, Consumer Behavior, Purchase Intention, Strategie
ANALYSIS OF FACTORS INFLUENCING THE DECISION TO USE MOBILE BANKING IN CUSTOMERS OF BANK BRI SEMARANG SUDIARTO BRANCH
No full textABSTRACTTechnology is advancing quickly, reshaping communication, payment systems, and the economy. Mobile banking, in particular, has the potential to revolutionize banking services by enabling customers to perform transactions independently. This research investigates the factors that influence the use of mobile banking among customers of PT Bank Rakyat Indonesia (Persero) Tbk at the Semarang Sudiarto Branch. The study targets active users of the BriMO Mobile Banking application, which serves 49,000 customers at this branch. A simple random sampling method was used to select 100 respondents, without considering population strata. Results show that mobile banking performance positively affects usage decisions, with a coefficient of 0.818 and a significance of 0.001 (H1 accepted). In contrast, mobile banking transaction costs negatively impact usage decisions, with a coefficient of -0.159 and significance of 0.014 (H4 accepted). Additionally, the decision to use mobile banking is positively associated with usage levels, indicated by a coefficient of 0.434 and significance of 0.001 (H5 accepted). However, ease of use (H2 rejected) and security trust (H3 rejected) do not significantly influence usage decisions, with significance values of 0.150 and 0.325, respectively.Keywords: Mobile Banking Performance, Ease of Use, Mobile Banking Security Trust, Mobile banking transaction costs, Decision to Use