Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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The Effect of Sharia Financial Literacy and Risk Perception on the Intention to Use Shopee Paylater in Generation Z with Religiosity as a Moderating Variable (A Study on UIN Alauddin Makassar Students)
Get PDFThis study aims to analyze the influence of Sharia financial literacy and risk perception on the intention to use Shopee PayLater among Generation Z students at UIN Alauddin Makassar, as well as to evaluate the role of religiosity as a moderating variable in this relationship. A quantitative approach using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method was employed. The sample consisted of 210 respondents, determined based on Hair’s conservative sample size approach. Data were collected through a questionnaire covering the variables of Sharia financial literacy, risk perception, intention to use, and religiosity. The results showed that Sharia financial literacy had no significant effect on the intention to use Shopee PayLater. In contrast, risk perception had a significant negative effect, indicating that the higher the risk perception, the lower the intention to use the service. The interaction between religiosity and Sharia financial literacy, as well as between religiosity and risk perception, did not show a significant moderating effect on the intention to use Shopee PayLater. Therefore, religiosity does not moderate the relationship between Sharia financial literacy or risk perception and the intention to use Shopee PayLater. This study provides theoretical contributions to the development and deeper understanding of Sharia financial literacy, risk perception, intention to use, and religiosity in the context of using PayLater-based digital financial services
Analysis of Service Quality and Customer Satisfaction Among Maxim Online Transportation Service Users in Jabodetabek Using Servqual Dimensions
Get PDFThis study aims to analyze the influence of SERVQUAL dimensions and price on customer satisfaction among users of Maxim's online transportation services in the Greater Jakarta area (Jabodetabek). The results indicate that the dimensions of assurance, reliability, and responsiveness have a positive and significant impact on perceived service quality. In contrast, empathy and tangibles do not show significant influence. Additionally, price has a positive and significant effect on customer satisfaction, while overall perceived service quality does not significantly affect satisfaction. These findings suggest that users prioritize reliability, responsiveness, and competitive pricing over physical facilities or personal attention. The implications of this research offer guidance for online transportation companies to focus service improvement strategies on the aspects that most strongly drive customer satisfaction and loyalty
Faktor-Faktor Penentu Efisiensi Operasional Perbankan di Indonesia
No full textThis study aims to determine the factors that affect the operating efficiency of banking in Indonesia. This study uses the Pane Datal method. The data used during the period 2019-2023 were obtained from the Indonesia Stock Exchange. The dependent variable used in this study is operating efficiency. While the independent variables are credit risk, return on assets, return on equity, equity to asset ratio, deposit to liability ratio, total expense ratio, bank size, equity to liability ratio and ratio of loans loss provisions to net interest income. The results of this study indicate that return on assets has a positive effect on operating efficiency, while return on equity and loans loss provisions to net interest income have a negative effect on operating efficiency of banking in Indonesia and the credit risk ratio, equity to asset ratio, deposit to liability ratio, total expense ratio, bank size and equity to liability ratio do not affect operating efficiency of banking in Indonesia. It is hoped that the results of this study can be used by investors to determine the factors of operating efficiency of banking in Indonesia
Effects of Responsiveness, Professionalism, Informativeness, and Personalization on Purchase Intentions Via Product Trust in Skintific Shopee Livestream
Get PDFThe popularity of live streaming features in the e-commerce industry is steadily increasing and has become one of the most favored marketing strategies, as it facilitates two-way communication between streamers and consumers. Through this interaction, consumers not only receive product information but also develop perceptions, enhance trust, and eventually form purchase intentions. This study aims to examine how communication elements in live streaming influence consumer trust in products and their intentions to make continuous purchases. The theoretical framework employed in this research is the Stimulus Organism Response (S-O-R) Theory. A quantitative research method was applied using purposive sampling, involving 186 respondents who had purchased Skintific products through Shopee’s live streaming feature. Data were collected through an online questionnaire distributed via Google Forms and analyzed using SPSS and Partial Least Square Structural Equation Modeling (PLS-SEM). This study investigated six main variables: responsiveness, professionalism, informativeness, personalization, product trust, and continuous purchase intention. The results revealed that responsiveness, professionalism, and informativeness had positive effects on product trust. Furthermore, product trust was found to have a significant and positive impact on continuous purchase intention. Conversely, personalization did not show a meaningful effect on either product trust or purchase intention
Influence of Capital Structure, Liquidity, and Profitability on Firm Value with Dividend Policy as an Intervening Variable in Manufacturing Companies Listed on the Indonesia Stock Exchange
Get PDFThis study aims to address this gap by analyzing the effect of capital structure, liquidity, and profitability on firm value, with dividend policy as a mediating variable, focusing on manufacturing companies listed on the IDX in 2023 and 2024. This quantitative study uses secondary data from the Indonesia Stock Exchange and official company websites. The data consist of financial statements from manufacturing companies listed on the IDX during 2023–2024. Samples were selected through purposive sampling with these criteria: listed during 2023–2024, distributed dividends, and had accessible financial reports. Based on the analysis of manufacturing companies listed on the Indonesia Stock Exchange in 2023–2024, capital structure, liquidity, and profitability each significantly affect dividend policy, where sound capital structure, strong liquidity, and high profitability support greater dividend distribution. Liquidity and profitability also have a direct positive impact on firm value, while capital structure negatively affects it due to financial risk. Dividend policy significantly enhances firm value by signaling stability to investors. Furthermore, dividend policy mediates the relationship between liquidity and firm value, but it does not mediate the effects of capital structure or profitability on firm value
The Effect of Live Streaming, Affiliate Marketing, and Fear of Missing Out on Purchasing Decisions at the TikTok Shop in Yogyakarta City
Get PDFThis research was conducted to review the influence of live streaming, affiliate marketing, and fear of missing out on purchasing decisions for TikTok Shop users in Yogyakarta City. This research applies a quantitative approach with multiple linear regression analysis methods. Data was obtained through distributing questionnaires to 100 respondents who had shopping experience at TikTok Shop. Based on the results of the analysis, it was found that partially the live streaming and affiliate marketing variables had a significant effect on purchasing decisions, while the fear of missing out did not show a significant effect. However, the three variables simultaneously proved to have a significant influence on purchasing decisions. A total of 56.9% of the variation in purchasing decisions was explained by the three variables, while the rest was influenced by other factors outside the model. This finding indicates that marketing strategies based on visual content and personalized approaches, such as live streaming and affiliate marketing, are more effective in influencing consumer decisions than emotional pressures such as fear of missing out. Therefore, the results of this research can be taken into consideration for businesses in developing more suitable promotional strategies on the TikTok Shop platform
The Influence of Digital Marketing and Product Quality on Rocket Chicken Consumer Satisfaction Cirebon City
Get PDFPurpose of this study is to investigate how customer satisfaction at Rocket Chicken in Cirebon City is impacted by digital marketing and product quality. A quantitative research approach was employed, with data collected through an online questionnaire (Google Form) distributed to 349 respondents who had purchased Rocket Chicken products at least twice within the past three months. SPSS 25 software was used to help analyze data using multiple linear regression. Results reveal that: (1) Digital marketing has a significant impact on consumer satisfaction (β = 0.37; p < 0.05), especially through advertising on social media and website optimization, although the inaccuracy of promo information needs to be fixed; (2) Product quality has a more dominant influence (β = 0.59; p <0.05) with the main indicators of freshness, presentation, and consistency of taste; (3) Simultaneously, both variables explain 78% of the variation in consumer satisfaction (R² = 0.78). The practical implications of this study emphasize the need for Rocket Chicken to improve the consistency of product quality through strict operational standards, improve digital information management, and optimize interactions on digital platforms. These findings form the basis of a business strategy to increase consumer loyalty and competitiveness in the culinary industry in Cirebon City
Trend Analysis of the Financial Statements of PT Kalbe Farma Tbk (KLBF) (2020–2024)
No full textThis study discusses analyzing financial ratio trends in the form of liquidity, profitability, solvency, and activities at PT Kalbe Farma Tbk during 2020 to 2024. The purpose of the study was to understand the pattern of changes in financial ratios and their implications on the financial performance of companies, given the importance of the pharmaceutical industry after the COVID-19 pandemic occurred. Using a descriptive quantitative approach using secondary data from the company's annual financial statements, trend analysis was carried out using the Least Square method. The results show that PT Kalbe Farma Tbk has good liquidity and activities, but its profitability is still below industry standards and needs attention to its solvency structure. This research is expected to contribute to financial decision-making in the pharmaceutical sector as well as become a reference for investors and academics
The Effect of Opinion Shopping, Company Size, and Financial Performance on Going Concern Audit Opinion in Banking Companies Listed on the Indonesia Stock Exchange (Empirical Study on Banking Companies Listed on the IDX Period 2021-2023)
Get PDFThis research investigates the impact of opinion shopping, firm size, and financial performance on the issuance of going concern audit opinions. A quantitative method is employed, utilizing secondary data derived from annual financial reports published on the official website of the Indonesia Stock Exchange. The study population comprises all banking institutions listed on the Indonesia Stock Exchange between 2021 and 2023, totaling 45 companies. The sample was selected using a purposive sampling technique, resulting in 99 company observations included in the analysis. The data were analyzed using logistic regression, with statistical processing conducted through SPSS (Statistical Product and Service Solutions) version 22. The findings indicate that opinion shopping, firm size, and financial performance have a negative effect on the likelihood of receiving a going concern audit opinion
Strategic Approach to Increase Purchase Interest in Alternative Energy Vehicles in Bogor
Get PDFThis research investigates the influence of product quality, social media marketing, and price perception on consumers' intention to purchase electric vehicles, with brand awareness serving as a mediating factor. Conducted in Bogor City, the study employed a quantitative method involving 385 respondents selected through purposive sampling. Data analysis was performed using SEM-LISREL 8.80. The findings reveal that product quality has a significant impact on both brand awareness (t = 3.48) and purchase intention (t = 3.61). Social media marketing also significantly influences brand awareness (t = 2.02) and purchase intention (t = 4.24), while price perception affects brand awareness (t = 2.36) and purchase intention (t = 3.44). Furthermore, brand awareness mediates the relationship between these variables and purchase intention (t = 4.20). The findings indicate that social media marketing is the most dominant factor affecting purchase intention, highlighting the importance of developing intensive and interactive digital marketing strategies. Practically, companies should focus on enhancing brand awareness and building positive consumer perceptions through social media, supported by high-quality products and competitive pricing, to accelerate electric vehicle adoption in Bogor