International Journal of Applied Business and International Management (IJABIM)
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Credit Restructuring Policy and Its Impact on Banking Financial Performance: Case Study at Bank in Papua
Full text linkThe COVID-19 pandemic significantly disrupted global economies, including Indonesia's banking sector, compelling banks to implement credit restructuring policies to support struggling businesses. This study examines the impact of Bank Papua's credit restructuring policy on debtor businesses and the bank's financial performance across three periods: before, during, and after the COVID-19 pandemic. Key performance indicators analyzed include LDR, ROA, NIM, and NPL. This study uses a Paired Sample T-test for data analysis. The findings show that the credit restructuring policy during COVID-19 had no significant impact on Bank Papua's financial performance, as all hypotheses (H1–H4) were rejected. The LDR remained stable, indicating effective liquidity management despite economic challenges. ROA showed no significant changes, reflecting steady profitability despite business disruptions. NIM experienced minor fluctuations during the pandemic due to adjustments for restructured loans but stabilized post-pandemic. Although NPL levels increased due to debtors' financial struggles, they remained within acceptable regulatory limits, demonstrating effective credit risk management. Overall, the restructuring policy provided relief to debtors but had minimal impact on the bank's financial indicators, highlighting the importance of balancing debtor support with maintaining financial stability during economic crises
The Effect of Shopping Lifestyle, Hedonic Shopping Motivation, and Sales Promotion on Impulsive Buying Among Gen Z Consumers on E-Commerce
Full text linkIn the current digital age, characterized by rapid technological advancement, a multitude of platforms have emerged that offer a plethora of features One such platform is TikTok. However, over time, it has been utilized as a cost-effective and time-efficient means of promotion. Subsequently, TikTok launched TikTok Shop, enabling users to directly purchase products from the application. This study sets out to examine the phenomenon of impulsive buying on the TikTok Shop platform, focusing in particular on the case of Generation Z (Gen Z) consumers in Bekasi who tend to make impulse purchases through TikTok Shop. The sample was selected using the method of purposive sampling, with 100 respondents. The results of the t-test suggest that shopping lifestyle and sales promotion exert a positive and significant influence on impulsive buying. However, hedonic shopping motivation is found to be a non-significant predictor of this behavior. The lack of significance in the influence of hedonic shopping motivation may be attributed to the fact that consumers are primarily influenced by other practical factors. Consequently, further in-depth research is required by other researchers to explore impulsive buying which is influenced by various factors, including economic factors and the services offered
Smartphone Usage and Academic Performance of Management Science Students in an Emerging Economy
Full text linkSmartphone usage among students in tertiary institutions, particularly management sciences students, has generated concerns due to its potential negative effects on their academic performance and overall well-being. While smartphones are known to improve students' academic outcomes, their excessive use can lead to distractions and a decline in academic achievement, especially in developing economies. This study investigates the impact of smartphone usage on the academic performance of students in selected universities in southeast Nigeria. A cross-sectional survey was conducted among 300-level management science students at three public universities, with data collected through 221 valid questionnaires. The study found that students' academic performance is positively influenced by the perceived ease of use, usefulness, and enjoyment of smartphones. However, excessive use, particularly for non-academic purposes, negatively affects performance by causing distractions, addiction, and superficial learning. This study concludes that while smartphones can be a valuable academic tool, excessive usage for non-academic activities can hinder students’ academic performance. Effective management of smartphone use is essential for academic success
The Mediation Role of Career Calling: Family-Supportive Supervisor Behaviors (FSSBs) and Life Satisfaction
Full text linkOne of the police's duties is to serve and protect the community despite facing various obstacles such as superior support and career calling which can ultimately determine life satisfaction. Therefore, this study aims to analyze the impact of Family-Supportive Supervisor Behaviors (FSSBs) on police officers' life satisfaction and career calling and to assess career calling as a mediator in this relationship. The population in this study were police personnel working in North Maluku province. Purposive sampling was used to select the sample of this study. A total of 132 samples were lower and middle-level officers involved in this study. The analytical tool used to test the hypothesis in this study was hierarchical regression. Based on the results of the hypothesis testing, it was shown that career calling fully mediated the relationship between FSSBs and life satisfaction. The results confirm that FSSBs significantly enhance police officers' life satisfaction and career calling. Career calling also positively influences life satisfaction and fully mediates the relationship between supervisory support and life satisfaction. These findings highlight the importance of supportive leadership in fostering career development and overall well-being among police personnel
Assessing the Impact of Microfinancing on Economic Growth in Papua Province: An Analysis of KUR and UMi Programs (2019-2022)
Full text linkCredit plays a vital role in supporting economic growth by aligning with development priorities to promote equitable outcomes. The People's Business Credit (KUR) and Ultra Microfinancing (UMi) programs are government initiatives designed to support Micro, Small, and Medium Enterprises (MSMEs) in Papua by providing financing for working capital and investment. Although the distribution of KUR and UMi in Papua has shown consistent annual growth, their contribution at the national level remains relatively small. This study examines the impact of these programs on economic growth in Papua Province from 2019 to 2022 using quantitative analysis and panel data regression. Findings reveal that KUR distribution, while significantly increased in Jayapura City, has a minimal impact on economic growth, as indicated by an R-squared value of 0.0058. The statistically insignificant coefficients for KUR and UMi suggest their limited contribution to economic development. External factors such as infrastructure and government support are likely more influential, underscoring the need to enhance program accessibility and explore broader determinants of Papua's economic growth. Recommendations include enhancing program accessibility and exploring other variables influencing Papua's economic dynamics
The Influence of Competitive Strategy on Export Performance Through Competitive Advantage with Firm Age Moderation in the Indonesian Export Channel (IEC) Community of MSMEs
Full text linkThe global market's increasing dynamism and competitiveness push businesses to expand beyond national borders, aiming to enhance domestic and international competitiveness. This study investigates the influence of competitive strategy on export performance through competitive advantage, moderated by firm age, within the Indonesian Export Channel (IEC) Community of MSMEs. Employing a quantitative descriptive approach, data were analyzed using the SMART PLS statistical method. The findings reveal that competitive strategy significantly enhances competitive advantage, which in turn positively impacts export performance. However, the direct effect of competitive strategy on export performance was found to be negative and insignificant, suggesting that competitive strategy alone is insufficient to drive export success. Firm age significantly moderates the relationship between competitive advantage and export performance, highlighting the importance of considering firm-specific characteristics in strategic planning. This research underscores the need for MSMEs to adopt innovative approaches tailored to market demands, aligning competitive strategies with their competitive advantages to overcome barriers and achieve sustainable growth in export markets
The Influence of Social Media Influencer Endorsement on Purchase Intention with the Mediating Roles of Parasocial Interaction and Possession Envy
Full text linkThis study investigates the impact of social media influencer endorsements on purchase intention while examining the mediating roles of parasocial interaction, possession envy, brand credibility, and brand attractiveness. The research employs surveys targeting social media users experienced in influencer endorsements who regularly purchase influencer-recommended products or services. The sample includes diverse respondents across age groups and demographics. SEM-PLS with SmartPLS software is utilized for data analysis. Findings reveal that social media influencer endorsements significantly enhance purchase intention. Parasocial interaction is identified as a mediator in the relationship between influencer endorsements and purchase intention. However, possession envy does not serve as a mediator for social media interactions' influence on purchase intention. In essence, perceived interactions with influencers and feelings of possession envy play pivotal roles in explaining the link between influencer endorsements and purchase intention. Additionally, brand attractiveness and brand credibility act as intermediaries in the impact of social media interactions on purchase intention. This study contributes valuable insights into the dynamics of influencer marketing and its effects on consumer behavior
Elements of Entrepreneur Competencies and Intention to be Entrepreneurs
Full text linkThis study aims to determine the effect of the elements of entrepreneurial competencies on entrepreneurial intention in two big cities in Indonesia, namely Jakarta and Balikpapan. The population in this study are business people, both entrepreneurs and those who work in creative industries in Jakarta and Balikpapan. The number of respondents in Jakarta and Balikpapan was 305 and 162. The sampling technique used was convenience sampling. This research revealed that certain competencies, such as achievement, personal maturity, and orientation to others, had a partially positive and significant impact on entrepreneurial intention among the respondents in Jakarta. Conversely, competencies like thinking problem solving, influence, and direct and controlling showed no effect. On the other hand, in Balikpapan, respondents' entrepreneurial intention was significantly influenced by achievement competence and thinking and problem-solving, while competencies like personal maturity, influence, direction and control, and orientation to others did not play a role in shaping the intention to become an entrepreneur. The research underscores the potential for refining entrepreneurial competency frameworks based on the specific competencies that influence entrepreneurial intention
Analysis of the Effect Using Financial Ratios, Ownership and Corporate Size on Corporate Value in Food and Beverage Corporate
Full text linkThe food and beverage industry experienced a decline in share prices in the 2018-2020 period. The stock price is an indicator in considering investment steps and is used as a reflection of the corporate's value. This research is causality with the main objective of obtaining empirical evidence related to the impact of several financial ratios, the size of a corporate and ownership factors on the high or low corporate value by using the subjects of the consumer goods sector which experience a significant decline in stock prices every year. The author uses financial ratio analysis, ownership and impact on corporate size in influencing the formation of corporate value. The authors found that financial ratios (liquidity and profitability) form a positive relationship to corporate value in contrast to leverage, managerial ownership, institutions and corporate size which do not show any significant effect on corporate value These findings add empirical evidence to the variables tested on their effect on corporate value. Keywords: Leverage, Liquidity, Profitability, Managerial Ownership, Institutional Ownership, Corporate Size, Corporate Valu
ORGANIZATIONAL CULTURE, WORK MOTIVATION, AND WORK EFFECTIVENESS (CASE STUDY ON HOTELS IN TOMOHON AND TONDANO)
Full text linkThe purpose of this study is to determine the influence of organizational culture and work motivation both partially and simultaneously on the effectiveness of employee work in five hotels in Tomohon And Tondano Cities. For the method used in this study, namely the quantitative method using a sample of 73 employees, and to analyze the data in this study, multiple regression analysis was used. The results found in this study, namely organizational culture and work motivation, both partially and collectively, affect the effectiveness of employee work. Presumably, with the conduct of this study, parties from the five hotels in Tomohon and Tondano Cities can fix the shortcomings that affect the effectiveness of employee work as explained in this study, as well as for subsequent researchers who will conduct research with the same variables and objects as those in this study, not plagiarizing from this study, but rather it only makes this research a reference or reference