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Financial Technology in Indonesia: Effect of Risk on Financial Performance in Peer-To-Peer Lending
Full text linkThis study aims to acquire empirical evidence related to the effect of risk on financial performance in peer-to-peer lending in Indonesia. By exploring the financial statements throughout 2019-2020. The test uses a panel data regression model, the Common Effect Model as the selected estimation regression model. Financial risk is measured by Operating Income Operating Expenses (BOPO), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Capital Adequacy Ratio (CAR). In contrast, financial performance is measured by Return on Assets (ROA) and Return on Equity (ROE). The results of this study showed that the solvency risk projected by DAR, DER, and CAR had proven to influence the profitability of peer-to-peer lending in Indonesia projected by both ROA and ROE
Mood Management as Mediator in Consumer Motivation and Impulsive Buying Relationship
Full text linkThis study aims to test the relationship between consumer motivation and impulsive buying and the role of mood management as a mediator in the relationship between consumer motivation and impulsive buying. This study aims to determine the effect of hedonic motivation, cool motivation, socialization motivation on mood management and impulsive buying, especially for clothing products. Researchers used quantitative methods by collecting data through a questionnaire. The sample in this study were women who were at least 17 years old as many as 200 people. The finding of this research is that hedonic motivation, cool motivation, socialization motivation had a significant effect on mood management and impulsive buying. Hedonic motivation and socialization motivation have a significant effect on mood management, while cool motivation has no significant effect on mood management. Mood management has a significant effect on impulsive buying. Marketers need to study consumer motivation to increase sales through impulsive buying because consumer motivation and mood greatly influence purchasing decisions. Marketers need to pay attention to their marketing strategies to match the motivation of consumers who are the target market.
 
Assessment of The Role of Human Resources in The Mediation of Possible Divergences of Ideas Among Multigeneration (Baby Boomers, X, Y, and Z)
Full text linkIn the current labour market with the increasingly technological and competitive situations, generations and their differences are being studied extensively in diverse cultures. Today, companies have about three to five generations working in the same teams and with different hierarchies. Faced with this scenario, companies benefit from different ideas and concepts, due to the fact that everyone can add their thoughts and references. Still, there are conflicts among people of different ages (and generations) who diverge their concepts when making a decision or arriving at a common agreement within the organisation. In this sense, the aim of this study is to identify the perceptions of the work team within company “A” concerning intergenerational coexistence and hierarchies at work. As well as this, it is crucial to understand what the principal characteristics of each generation are, the possible divergences between them in the labour market, and the importance of Human resources as a mediation between those conflicts. This study was characterized by exploratory research. The research strategy used a questionnaire with both open and closed questions. A group of 113 participants of employees of the company ‘A’ responded to the questionnaire from their own perspective regarding conflicts in the workplace due to the range of ages (and generational gaps). The results gave a clear idea that each generation regards their preference to work or avoid working with some different generations on their team and their reasoning. Another interesting result of this project was the perspective of what the Human Resources sector can do to minimise those conflicts
Factors Influencing Behavior to Reducing Household Food Waste in Indonesia
Full text linkThe introduction of the determining factor is presumed to be powerful medium to promote a powerful intrusion into household waste management in Indonesia. This study expands the variables theory of planned behavior, the theory of interpersonal characteristics, and a complete model of environmental behavior by using intentions, attitudes, subjective norms, perceived behavioral control, habits, emotions. The sample in this study found 132 people, data processed using SEM Amos version 24. Statistical results and discussion showed that significant factors for behavior to reduce food waste were intentions, habits, attitudes, and perceived behavioral control. And that habits play an essential role in this research, so it is necessary to focus on the importance of the practice to get rid of addictions and be worth emphasizing
Keywords: food waste, theory planned behavior, habit
Capital Market Reaction to Several Announcements Related to COVID-19 Vaccine in LQ-45 Index
Full text linkCOVID-19 has caused many losses to stock markets worldwide, including in Indonesia. All industrial sectors' stock prices have declined significantly from December 2019 to May 2020. Due to the pandemic, the COVID-19 vaccine brings hope and optimism to the country's economy, which will cause a reaction in the capital market. This study aims to test is there any market reaction to several cases related to the COVID-19 vaccine. Those events are: the government received the first dose Covid-19 vaccine, the government canceled the paid individual vaccination program, and COVID-19 vaccination has penetrated more than 100 million people. This study was measured by abnormal return and trading volume activity within two different periods, i.e., a day before (D-1) to a day after (t-1) and three days before (t-3) to three days after (t+3) of each event. This research was conducted on companies listed on LQ-45 that were determined using the purposive sampling technique and will be analyzed using a one-sample Kolmogorov Smirnov test, Paired sample t-test, and Wilcoxon signed-rank test. This study indicates a capital market reaction to all the cases related to the COVID-19 vaccine researched in this study, which causes changes in abnormal returns and a significant increase in volume after the announcement
Analysis of the Commercial Bank Performance in Indonesia and China
Full text linkThe purpose of this study is to compare the impact of capital structure on commercial banks' performance in Indonesia and China. The study chose 13 commercial banks from Indonesia and 12 banks from China for the period of 5 years, from 2015 to 2019. The study deployed a data panel regression analysis to analyze the secondary data that was obtained from the financial statements of these commercial banks. In this study, ROA and ROE are the measures used for Bank Performance. Four dependent variables: loan to deposit ratio, debt to asset ratio, capital adequacy and asset size are the independent variables. The results showed that LTD, AS and DTA have positive significant influences on ROA, while DTA and CAR have positive significant relationship on ROE in the study of Indonesian banks. Only AS have negative significant impact on both ROA and ROE, DTA and CAR have positive significant impact on ROA, while LTD has significant relationship on ROE in the study of commercial banks in China
Effect of Consumer Perception on The Purchase Decision of Children's Football Clothing Products: (Case Study on Shopee at Yuro Sport Store)
Full text linkBusiness competition is getting tougher day by day for both small and large-scale businesses. And the Covid-19 pandemic has also greatly impacted the decline in sales, including the Yuro Sport Store which sells online at Shopee. The owner of the Yuro Sport Store wants to know whether there is a relationship that affects consumer perceptions of the decision to purchase children's soccer clothes at the Yuro Sport Store. By examining consumer perception variables consisting of sensation, organization, and implementation dimensions as well as purchasing decision variables consisting of product choices, brand choices, dealer choices, purchase amounts, purchase timings, and payment methods, researchers used the Pearson correlation test to determine the relationship between the two variables. And the results show the relationship between consumer perceptions of purchasing decisions. Researchers also propose development strategies, including designing attractive product photos on the main display and adding new product lines
Study on the Development and Use of E-commerce in the Special Region of Yogyakarta with De Lone and Mc. Lean IS Success Model
Full text linkThe high growth of e-commerce in Indonesia is influenced by several things. Because of changes in people's behavior and the advancement of the quality of information and the quality of services. This includes the Special Region of Yogyakarta (DIY), which is one of the areas with the highest level of e-commerce service users in Indonesia.
This research was conducted to study the development and use of e-commerce in the Special Region of Yogyakarta (DIY). This needs to be done because even though DIY is one of the areas with the highest level of e-commerce service users in Indonesia, the level of e-commerce business activity in Indonesia, especially DIY, is still relatively new, so there are still many shortcomings in its implementation.
Researchers use e-commerce metrics suggested by DeLone and Mc.Lean (2004) as the foundation of the instrument. Research data processing using Smart Partial Least Square (Smart-PLS) 3.0. The analytical model used in this study is a structural equation model (SEM) and inductive analysis using goodness of fit model (inner model) research which serves to determine the suitability of a model used in this study.
From the data processing that has been done, there are 2 independent variables that have no significant effect on the dependent variable. From this finding it is expected that companies engaged in e-commerce services can focus on achieving net benefits by paying attention to several variables that have a significant influence. The findings of this study also support several previous studies that have been tested previously
Interaction and Interrelation in Social Enterprise Between Entrepreneurship and Social Issues
Full text linkSocial enterprises have gained attention in recent decades. Many universities, private institutions, and government agencies promote social enterprises to solve social problems and create social value. Social entrepreneurship can be materialized in two ways: one from social issues to entrepreneurship and the other from entrepreneurship to social issues. The process from social issues to entrepreneurship is mainly concerned with assisting individuals, disadvantaged groups, or communities in addressing social issues in relation to establishing social enterprises. The process from entrepreneurship to social issues leads existing enterprises or entrepreneurs to explore social issues that may reveal economic opportunities and create social enterprises. This study focuses on these two types of social entrepreneurship and attempts to determine differences between the entrepreneurship and business model, characteristics and entrepreneurial spirits, and social impact. This study employs comprehensive thinking, collation, and analysis of different management patterns and content patterns of social enterprises to understand the different entrepreneurial styles. This study found that social enterprises created from social issues to entrepreneurship were more concerned with other people's problems. Their funding appeared less reliant on earning and repayment. The resources were more diverse. Such social enterprises might focus their care on people or communities they missioned to help and not practice profit or surplus distribution to shareholders. On the contrary, social enterprises from entrepreneurship to social issues were inspired by their own issues. A large part of such social enterprises' funding might be from earnings or repayment. Such social enterprises might involve fewer volunteers, make less use of free services, focus on exchanges of products or services for repayment, and distribute profit or surplus to shareholders
The Phenomenon of MSMEs Performance in Magelang City During the Pandemic COVID-19
Full text linkMicro, Small, and Medium Enterprises (MSMEs) have a fundamental role in the regional economy as well as the national economy. This study aims to provide empirical evidence regarding the performance variability of MSMEs during the COVID-19 pandemic. The research population is all MSMEs in Magelang City. The research sample was 7,924 MSMEs obtained through purposive sampling. This study uses descriptive statistical analysis. The results and discussion show that the City of Magelang, from an economic perspective, has a fairly stable economic condition from 2015 to 2019. However, the COVID-19 pandemic in 2020 put the economy of Magelang City in a recession phase. Nevertheless, the competitiveness of Magelang City in 2020 has increased compared to 2019. The analysis of the variability of the performance of MSMEs shows that the South Magelang District has the lowest turnover of MSMEs. Central Magelang Subdistrict has the highest MSME turnover value. South Magelang Subdistrict has the highest average turnover of MSME compared to the average turnover of MSME in North Magelang and Central Magelang Districts