e-Jurnal STIE Pasaman (Sekolah Tinggi Ilmu Ekonomi)
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A MICRO BUSINESS DEVELOPMENT MODEL THAT UTILIZES GREEN INNOVATION ANTECEDENT VARIABLES TO ENHANCE SUSTAINABLE PERFORMANCE IN MSMES LOCATED IN BINTAN REGENCY
No full textThe aims of this research is to know, understand, and test the influence and interrelationship of the antecedent factors of green innovation on sustainable performance. This type of research is verifiable descriptive research. This research was conducted on 364 marine-based MSMEs in Bintan Regency. Data collection was carried out using a questionnaire with a Likert scale ranging from 1 (strongly disagree) to 5 (strongly agree). The conceptual model is presented in Figure 1 and verified using the PLS (Partial Least Square) method with SmartPLS 3.0 software. The results of the study show that first, there is a positive and significant relationship between technological capabilities and green innovation. Organizations with strong technological capabilities are better able to adopt environmentally friendly practices, which support more efficient product and process development. Second, CSR has a positive influence on green innovation. Companies that are active in CSR practices tend to be more open to innovations that support sustainability. However, not all CSR initiatives contribute significantly, especially if they are not grounded in a sincere commitment to sustainability. Third, green innovations have been proven to have a positive and significant effect on sustainable performance. Organizations that implement green innovation not only meet environmental demands but also improve operational efficiency and reputation. However, the success of green innovation must be integrated with the overall business strategy to achieve maximum impact. Fourth, the effect of moderation of environmental dynamics is not significant on sustainable performance. This indicates that external changes may not be strong enough to affect the relationship between green innovation and sustainable performance, and many organizations have not fully adapted to those dynamic
ANALYSIS OF UNCERTAINTY DURING THE COVID-19 PANDEMIC ON NIM, ROA, NPL, AND BOPO AT RURAL BANKS
No full textThis study analyzes the effect of uncertainty due to the Covid-19 pandemic on the financial performance of conventional BPRs in Bali during the period 2016-2023. This research is important because it can provide insight into how strong BPR banks are in facing the crisis. Analysis of NIM, ROA, NPL, and BOPO, can understand the bank's ability to maintain profitability and operational efficiency amid economic uncertainty. Uncertainty is measured through the standard deviation of assets, funding, and loan growth as independent variables, while financial performance is evaluated using the NIM, ROA, NPL, and BOPO ratios as dependent variables. The research method used is quantitative with multiple regression method, the research sample was 66 BPR in Bali and the data analysis technique used multiple regression with SPSS 27.00 software with four equations. The results of the study show that H1, H2, H3, H4, H10, and H11 do not meet the hypothesis, while H5, H6, H7, H8, H9, and H12 meet the hypothesis. In hypotheses H1, H2, H3 and H4, the independent variable, namely the standard deviation of assets, has a significant positive effect on the dependent variables NIM and ROA, and a negative effect on the dependent variables NPL and BOPO. Furthermore, in H10 and H11, the independent variable does not affect the dependent variable, which means that the standard deviation of loan growth does not affect ROA and NPL. In H5, H6, H7, H8, H9, and H12, the hypothesis shows that the standard deviation of funding has a significant negative effect on NIM and ROA, and a significant positive effect on NPL and BOPO. In addition, the standard deviation of loan growth has a significant negative effect on NIM and a significant positive effect on BOPO.
Keywords: Uncertainty, Standard Deviation of Assets, Standard Deviation of Funding, Standard Deviation of Loan Growth, NIM, ROA, NPL, BOPO, BP
STRATEGY TO IMPROVE THE ROLE AND EXISTENCE OF INSURANCE SHARIAH AT PT. ALLIANZ LIFE INDONESIA INSURANCE MEDAN BRANCH
No full textThis study aims to analyze how the strategy in increasing the role and existence of sharia insurance in PT Asuransi Allianz life Indonesia Medan branch. In this study using a descriptive qualitative approach. The approach used by the researcher is an empirical approach model. Primary data sources consist of informants such as employees of PT. Asuransi Allianz life Indonesia. Secondary data sources are taken from various book references, scientific journals, and written reports obtained from various references as a theoretical basis. Data were collected using observation, interview, and documentation techniques. By using SWOT analysis it can be concluded that PT Asuransi Allianz Life Indonesia has strengths (Strength) namely a wide marketing network (national and international), weaknesses (Weakness) namely that there are several leaders in terms of supervision of their agents are not optimal, also has opportunities (Opportunities) namely cooperation with sharia financial institutions, and has challenges (Threats) namely the entry of new competitors in the insurance industry. The results of this study indicate that the role of sharia insurance at this time is very much needed to prepare for future benefits, the role of insurance is also a form of worship of a Muslim to Allah SWT. Meanwhile, the way for sharia insurance to continue to exist is by educating the market through various communication media to explain the existence of sharia insurance, its advantages, benefits and cleanliness from public doubts. And for companies to develop products sustainably such as innovating sharia insurance products, improving human resources (HR), company service quality management, promotional strategies, cooperation with other institutions.
Keywords :Sharia Insurance Strategy, The Role of Sharia Insurance, Allianz Life Indonesia Insuranc
THE INFLUENCE FACTORS EMPLOYEE JOB SATISFACTION ON EMPLOYEE PERFORMANCE IN THE PPKUKM ADMINISTRATIVE CITY OF EAST JAKARTA
No full textThis study analyzed the effect of compensation, work environment, and human resources quality through job satisfaction on employee performance. The research sample was 124 people with simple random sampling. The research approach is a quantitative method. Data collection techniques were carried out by interviews and closed questionnaires with an interval scale of 1 to 5 gradation. The data analysis technique used SmartPLS Ver4.0. The findings of the study showed that compensation and work environment did not have a positive and significant effect on job satisfaction. While the human resources quality had a positive and significant effect on job satisfaction. Compensation and environment also did not have a positive and significant effect on employee performance while the human resources quality had a positive and significant effect on employee performance. Compensation and work environment did not have a positive and significant effect on employee performance through employee job satisfaction while the human resources quality had a positive and significant effect on employee performance through employee job satisfaction
IMPROVING MARKETING PERFORMANCE THROUGH MARKET ORIENTATION AND ENTREPRENEURIAL ORIENTATION WITH PRODUCT INNOVATION AS AN INTERVENING VARIABLE
No full textLangsa City is one of the cities in Aceh Province where the majority of the MSME sector is in trade. The purpose of this study is to analyze the effect of market orientation and entrepreneurial orientation on marketing performance with product innovation as an intervening variable. The population in this study was all MSME actors in Langsa City, with a sample of 97 respondents. The data analysis method uses Structural Equation Modeling, which is based on Partial Least Squares components. The results show that market orientation has a significant effect on product innovation, market orientation has no significant effect on marketing performance, entrepreneurial orientation has a significant effect on product innovation, entrepreneurial orientation has a significant effect on marketing performance, product innovation has no significant effect on marketing performance through product innovation as a variable intervening, and entrepreneurial orientation have no significant effect on marketing performance through product innovation as an intervening variable
GREEN SATISFACTION AND LOYALTY IN THE WEST SUMATERA HOSPITALITY INDUSTRY THROUGH THE ROLE OF GREEN TRUST, WOM AND GREEN IMAGE
No full textFive variables are discussed, namely: Green satisfaction (GS), Green Image (GI), WOM, Loyalty, and Green Trust (GT). The type of research in this study is quantitative causal research. The population of this study were people who had stayed at hotels in West Sumatra. At the same time, the sampling technique used in this research is non-probability sampling. Based on the hypothesis testing proposed, the path analysis technique was used in this study. The first hypothesis is that GT has no significant effect on GS. The second hypothesis is that WOM has a positive impact on GS. The third hypothesis, GI has a substantial effect on GS. The fourth hypothesis, GT is having no significant impact on Loyalty. The fifth hypothesis, WOM has a positive impact on Loyalty. The sixth hypothesis, GI has a positive impact on Loyalty. The seventh hypothesis, GS has a positive impact on Loyalty. The eighth hypothesis, GS is unable to mediate GT on loyalty. The ninth hypothesis, GS is able to mediate the WOM relationship on loyalty. The tenth hypothesis, GS is able to mediate the relationship between GI on loyalty
THE EFFECT OF PRODUCT QUALITY AND AFTER-SALES SERVICE ON CUSTOMER LOYALTY OF XIAOMI SMARTPHONE USERS IN MEDAN CITY
No full textThis research aims to analyze the effect of product quality and after-sales service on customer loyalty among Xiaomi smartphone users in Medan City. The study employed a quantitative explanatory design with purposive sampling, involving 100 respondents who had been using Xiaomi smartphones for at least six months. Data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results demonstrate that both product quality and after-sales service have a significant and positive impact on customer loyalty. However, after-sales service emerged as the dominant factor, as indicated by a higher path coefficient and effect size compared to product quality. This suggests that warranty claims, repair services, availability of spare parts, and responsiveness of customer support are crucial determinants of long-term loyalty in the highly competitive smartphone market. The model explains 57.5% of the variance in customer loyalty, which indicates a moderate to strong predictive power. The findings extend previous research by highlighting the importance of post-purchase services in shaping loyalty, especially in emerging markets. For practitioners, the results provide strategic implications, emphasizing that while product quality should remain a priority, greater investment in after-sales infrastructure and proactive customer engagement will yield stronger loyalty outcomes for Xiaomi in Medan City
THE MEDIATING ROLE OF CHATBOT INITIAL TRUST IN ENHANCING CUSTOMER LOYALTY, ENGAGEMENT, AND USAGE INTENTION
No full textIn the digital era, chatbots have become essential tools for companies to enhance communication efficiency with customers, particularly through popular platforms such as WhatsApp. As the adoption of this technology increases, understanding the factors that shape users initial trust becomes crucial. This study aims to analyze the influence of perceived ease of use, compatibility, performance expectancy, social influence, and perceived risk on initial trust, as well as its impact on chatbot usage intention, customer engagement, customer satisfaction, and customer loyalty. The research model was developed based on an integration of the Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), and Diffusion of Innovation (DOI), using a quantitative approach. A total of 223 respondents participated in a survey distributed to users of banking chatbots via WhatsApp in Indonesia. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that perceived ease of use and social influence have a significant positive effect on initial trust, while compatibility, performance expectancy, and perceived risk do not have a significant effect. However, performance expectancy was found to have a direct and significant influence on chatbot usage intention. Initial trust significantly influences usage intention, customer engagement, customer satisfaction, and customer loyalty. Furthermore, customer satisfaction also has a significant effect on customer loyalty
THE EFFECT OF KNOWLEDGE SHARING, INNOVATIVE BEHAVIOR AND ENTREPRENEURIAL ORIENTATION ON THE PERFORMANCE OF CULINARY INDUSTRY
No full textThis study aims to analyze the effect of knowledge sharing, innovative behavior and entrepreneurial orientation on the performance of culinary industry SMEs in Padang city. The population in this study were all culinary industry SMEs in Padang city with a target sample of culinary SMEs with a total of 155 samples. Data analysis techniques using multiple linear regression analysis. From the results obtained that 1) knowledge sharing has a significant influence on the performance of SMEs culinary industry in Padang city, 2) innovative behavior has a significant influence on the performance of SMEs culinary industry in Padang city and 3) entrepreneurial orientation does not have a significant influence on the performance of SMEs culinary industry in Padang city
ANALYSIS OF INFLATION AND RUPIAH EXCHANGE RATE ON STOCK TRADING VOLUME THROUGH STOCK PRICE AS INTERVENING VARIABLE
No full textThis research examines the effects of inflation and the rupiah exchange rate on stock trading volume, with stock price acting as a mediating variable on BUMN companies listed on the Indonesia Stock Exchange (IDX) from 2017 to 2023. Employing quantitative analysis, the studys population includes all BUMN companies listed on the IDX 2017-2023. A purposive sampling method was applied, yielding a sample of 29 companies. Secondary data were obtained from www.idx.co.id and www.investing.com. The analysis utilized panel data regression through Eviews 12. The results indicate that inflation significantly and positively affects stock prices, while the rupiah exchange rate has a significant negative impact on stock prices. Inflation also significantly and negatively affects stock trading volume, On the other hand, the volume of stock trading is significantly positively impacted by both the rupiah exchange rate and stock price. However, stock prices does not operate as a mediator between the impact the volume of stock trading by inflation and the rupiah exchange rate for BUMN companies listed on the IDX from 2017 to 2023