e-Jurnal STIE Pasaman (Sekolah Tinggi Ilmu Ekonomi)
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ANALYSIS OF INCREASING CREDIT ACCOUNTS, DPK AND BANKING FRAUD ON E-KYC PROVIDER BUSINESS GROWTH: OJK REGULATORY SANDBOX AS MODERATION
No full textFollowing the issuance of OJK Regulation (POJK) Number 13 of 2018 concerning Digital Financial Innovation in the Financial Services Sector, Digital Financial Innovation (IKD) has continued to increase since 2018. To strengthen IKD, OJK issued SEOJK No. 21/SEOJK.02/2019 concerning Implementation of the Regulatory Sandbox for Digital Financial Innovation Organizers.This research aims to analyze the influence of the development of the banking industry, which is proxied through an increase in the number of credit accounts and third party funds (DPK), as well as an increase in fraud cases, on the business growth of E -KYC (electronic-know-your-customer) providers in the 2019-2023. Through a causality approach and multiple linear regression analysis, this study produces empirical findings about the factors that influence E-KYC business growth. Furthermore, this research also explores the role of the OJK regulatory sandbox as a moderating variable in this relationship.The research results found that the growth of credit accounts, the growth of Third Party Fund (DPK) accounts had a positive effect on the business growth of E-KYC providers and the regulatory sandbox as a moderating variable strengthened the positive effect.Keywords: Electronic Know Your Customer, Credit Accounts, Third-Party Funds, Banking Fraud, Regulatory Sandbo
THE INFLUENCE OF CAPITAL ADEQUACY AND GOVERNANCE ON FINANCIAL PERFORMANCE WITH LIQUIDITY AS A MEDIATOR IN BPR IN EAST JAVA
No full textThis research aims to determine the relationship between capital adequacy and the implementation of governance on BPR performance with liquidity as a mediating variable. In scientific research, quantitative research is applied, with the resulting numerical data being analyzed statistically. The data used are regional data, namely the Capital Adelqulacy Ratio (CAR), the results of assessments of governance implementation, Loan to Delposit Ratio (LDR) and Ratio on Assets (ROA) of BPRs in East Java in the time period from January 2017 to December 2023. This research is carried out Inferential statistical analysis method. The ultimate data analysis process uses techniquesSEM (Structural Equation Modelling) PLS (Partial Last Squularel) and carried out through 2 (dula) models, namely the pengukuran model (outer model) and the struktural model (inner model). The research results show that capital abundance has a significant effect on BPR financial performance and BPR liquidity. The implementation of governance has had a significant positive impact on the company's financial performance but has not had a significant impact on BPR liquidity. The results of the research show that liquidity does not play a significant role as a mediator between governance and financial performance in the BPR context.Keywords: Good Corporate Governance, Liquidity, Capital Adequacy, Implementation of Governance, Financial Performanc
THE EFFECT OF PRICE DISCOUNT, BONUS PACK AND INSTORE DISPLAY ON IMPLUSE BUYING (CASE STUDY AT SUZUYA MALL MARELAN)
No full textModern retail stores are currently competing to provide the best service to attract more customers. One example is Suzuya Mall. Promotions are carried out for all products offered with various methods, such as price discounts, bonus packs and instore displays. The purpose of this study was to analyze the effect of price discounts, bonus packs, instore displays on impulse buying. On consumers at Suzuya Mall Marelan. Using a sample of 100 respondents and obtained using the Slovin Technique. With the data collection used in this study is a questionnaire. The results of the study showed that the price discount variable (X1) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.014 (a=0.05). The bonus pack variable (X2) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.000 (a=0.05). The in-store display variable (X3) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.025 (a=0.05). price discount, bonus pack and in-store display have a simultaneous effect on impulse buying decisions at Suzuya Mall with a p-value of 0.000 (a=0.05).Keywords: price discount, in-store bonus pack and display on impulse buyin
TAPPING INTO ENGAGEMENT: THE ROLE OF CONTENT STRATEGIES IN BOOSTING LOYALTY AND WORD-OF-MOUTH FOR E-WALLETS
No full textThe development of digital payment systems in Indonesia has significantly accelerated the adoption of digital wallets, with GoPay emerging as one of the leading players. Amid intense competition, social media content strategy has become crucial in driving consumer engagement, which subsequently influences word-of-mouth (WOM) and customer loyalty. This study aims to examine the effects of content appeal (infotainment, relational, and remunerative), content vividness, and content interactivity on WOM and customer loyalty, with consumer engagement serving as a mediating variable. A quantitative approach was employed through a survey of 230 active GoPay users who follow the official Instagram account @GoPayIndonesia and had interacted with its content in the past three months. The data were analyzed using Partial Least Squares - Structural Equation Modeling (PLS-SEM). The results reveal that six out of seven proposed hypotheses are statistically significant. Infotainment content, remunerative content, content vividness, and content interactivity all positively influence consumer engagement. Among these, content vividness exerts the strongest effect on engagement. Conversely, relational content was not statistically significant, although it was descriptively appreciated by respondents. Furthermore, consumer engagement was found to be a significant mediator in the relationship between content characteristics and both WOM and customer loyalty. This research contributes empirical insights to the field of digital marketing literature and offers strategic recommendations for digital wallet brands to enhance the effectiveness of their social media content strategies
THE INFLUENCE OF PRODUCT INNOVATION AND SERVICE LEVEL AGREEMENTS ON B2B CUSTOMER SATISFACTION IN FORMING LOYALTY TO TELECOMMUNICATIONS PRODUCTS
No full textThe objectives of this study are to analyze the influence of product innovation and service level agreements (SLA) on B2B customer satisfaction in shaping loyalty toward telecommunications products. Using a quantitative approach, data were collected through surveys of customers of PT SME, with a total of 240 respondents representing companies from various industries. The analysis was conducted using Structural Equation Modeling (SEM) to examine the relationships between variables. The findings indicate that product innovation has a positive and significant impact on customer satisfaction, ultimately enhancing customer loyalty. Furthermore, service level agreements also positively affect both customer satisfaction and loyalty, demonstrating that the clarity and consistency of SLA contribute to maintaining customer trust. The implications of this study highlight the importance of continuous product innovation strategies and the improvement of service standards in the telecommunications industry to enhance customer retention and business competitiveness
ANALYSIS OF COMPENSATION SUITABILITY, INDIVIDUAL MORALITY, ETHICAL CULTURE, AND INTERNAL CONTROL ON FINANCIAL REPORTING FRAUD
No full textThis research aims to empirically analyses the compensation suitability, individual morality, ethical culture, and internal control on financial reporting fraud of accounting students in Padang. The sampling technique in this study is purposive sampling and data was collected by distributing questionnaire to accounting and finance students who had studied at least in the sixth semester on several university in Padang. This study uses the Gone Theory as a basis to examining the factors that cause fraudulent behavior towards financial statements. The Gone theory is a refinement of the triangle fraud theory, in which the two theories reveal the reasons a person commits an act of fraud. The Fraud Triangle Theory is a theory which explains three factors that causes of fraud that are Pressure, Opportunity, and Rationalization By using the multiple regression test, the results show that individual morality and internal control have a significant effect on financial reporting fraud, while suitability compensation and ethical culture have no significant effect on financial reporting fraud.Keywords: financial reporting fraud, compensation suitability, individual morality, ethicalculture, and internal contro
THE VARIOUS FACTORS THROUGH EMPLOYEE JOB SATISFACTION AND EMPLOYEE PERFORMANCE AT THE INDONESIA’S NATIONAL ZAKAT AGENCY (BAZNAS), BOGOR CITY
No full textThe Indonesia's National Zakat Agency (BAZNAS) is the only agency to collect or distribute zakat, alms and donations at the national level that is recognized by the State. Due to the heavy task of BAZNAS to achieve a goal in the Zakat Infaq and Shodaqoh Collection institution. Employee performance plays a very important role because employee performance also affects the success or failure of a Zakat collection process in Indonesia. This study aims to analyze the respective influences of various factors, as Compensation, Organizational Culture, and Organizational Motivation on Employees Job Satisfaction of the Indonesia's National Zakat Agency (BAZNAS), Bogor City. Then, analyze the respective influences of Compensation, Organizational Culture, Organizational Motivation, and Employees Job Satisfaction on Employees Performance of the Indonesia's National Zakat Agency (BAZNAS), Bogor City and also analyze the influence each of Compensation, Organizational Culture, and Organizational Motivation on Employee Performance through Employee Job Satisfaction of the Indonesia's National Zakat Agency (BAZNAS), Bogor City. This research is a kind of causality, also prominent as an explanatory study conducted to identify the extent and nature of causal relationships with quantitative analysis approach. The sample consists of 100 respondents selected using a questionnaire. Data analysis was conducted using Smart PLS 3.0. The results indicate that Compensation and Motivation have an insignificant effect on Job Satisfaction. However, Organizational Culture has a significant effect on Job Satisfaction. Additionally, stakeholder satisfaction significantly affects loyalty. Organizational Culture, Motivation, and Job Satisfaction have a significant impact on Performance, whereas Compensation does not have a significant impact. Compensation, Organizational Culture, and Motivation do not have a significant impact on Performance through Job Satisfaction. These conclusions can serve as a basis for improving the quality of human resource development at BAZNAS Bogor City. Keywords: Compensation, Organizational Culture, Employee Job Satisfaction, Employee Performanc
INVENTORY CONTROL OF RAW MATERIALS FOR GUSSET, FR (SOZAI) PRODUCTS USING THE ECONOMIC ORDER QUANTITY METHOD AT PT XYZ
No full textPT XYZ is a national company that produces metal-based automotive components, and one of the products is Gusset, FR (Sozai). The problem that repeatedly occurs in the company is the unstable purchase and use of raw materials for Gusset, FR (Sozai) products, even at certain times the purchase of raw materials exceeds the needs. Therefore, this study aims to determine the number of raw material orders, the total cost of raw material inventory, safety stock and reorder points, and inventory control of raw materials for Gusset, FR (Sozai) products at PT XYZ. The analysis method uses the Economic Order Quantity method. The results showed that the order quantity of JSH590R T 2.0 raw materials was 211,580 units and JSC590R T 1.4 raw materials was 208,600. The calculation of the total inventory cost of JSH590R T 2.0 raw materials and JSC590R T 1.4 raw materials is IDR 38,229,645 each. The safety stock calculation for JSH590R T 2.0 raw materials totaled 49,597 units and a reorder point value of 128,201 units. As for the JSC590R T 1.4 raw material, the safety stock calculation results in 41,054 units and a reorder point value of 115,543 units. Inventory control of JSH590R T 2.0 raw materials and JSC590R T 1.4 raw materials by applying the EOQ method when compared to the company's process results in 32% savings in inventory costs. Thus, the Economic Order Quantity method is said to be able to help the company control its inventory.
Keywords: Raw Material Inventory, Gusset FR (Sozai), Economic Order Quantit
PERFORMANCE IMPROVEMENT: THE PROMINENCE OF EMPLOYEE PROACTIVENESS, GROWTH MINDSET, AND PERCEIVED USEFULNESS (VALID EVIDENCE FROM PT. LITERA MEDIATAMA EMPLOYEES)
No full textPT Litera Mediatama, one of the indie publishers, has successfully negotiated the difficulties posed by the COVID-19 outbreak and its aftermath. Litera Publisher is still very much committed to helping its staff perform better. Through the mediation of perceived usefulness, this research aimed to ascertain the direct and indirect impacts of proactive personality traits and growth mindset on employee performance. All full-time and part-time workers at Litera Publisher were included in the research. One hundred and fifty-five people were surveyed using an online questionnaire; the participants were chosen using a saturation sampling method, often known as a census. The quantitative data that was gathered was evaluated using PLS-SEM analysis with SmartPLS software. Through perceived usefulness as a mediating variable, the findings demonstrated that proactive personality traits and a development mindset significantly impact employee performance, both directly and indirectly. It is anticipated that a qualitative method or a formative indicator model would be considered in future study. Researchers may try it out on other publishers or recruit people from different indie publishing houses in Indonesia to verify the unbiased framework model
ADOPTION OF E-WALLET TECHNOLOGY: ANALYZING INNOVATION DIFFUSION FACTORS
No full textPurpose – To analyze the influence of relative advantage, compatibility, complexity, and trialability on the intention to adopt DANA e-wallet.
Method – Quantitative approach with multiple linear regression analysis. The purposive sampling technique is used in determining the sample. The data collected through the questionnaire were analyzed and processed using SPSS Version 26.
Findings – Simultaneously Diffusion of Innovation has a positive and significant influence on the intention to adopt the DANA e-wallet in East Jakarta. Partially, relative advantage, complexity, and trialability had a positive and significant influence on the intention to adopt DANA e-wallet in East Jakarta, while compatibility had no effect.
Originality/Novelty – Combining Diffusion of Innovation (DOI), such as relative advantage, compatibility, complexity, and trialability, with the intention to adopt.
Implications – Can provide input for companies in designing more effective marketing strategies according to the market's desires, and can contribute to the design of government policies that support the deployment of inclusive financial technology. In addition, it can assist individuals in making the right decision in adopting e-wallets