Journal of Business & Banking

Sistem pembayaran QRIS sebagai upaya pengembangan UMKM di kota Ambon

2024-01-30T16:35:16+00:00

This study aims to examine the effect of using the QRIS payment system on MSME development in Ambon City through Theory of Acceptance Model. It uses the sample from all MSME culinary delights in Ambon City, taken based on the determined criteria such as meeting the criteria are 45 SMEs. The data were analyzed using multiple linear regression, which was processed by the SPSS version 21. The result shows that partially Perceived Usefulness and Perceived ease of use have a significant influence on the development of MSMEs in Ambon City. The more useful QRIS is, the more MSMEs will develop, as well as the easier it is to use QRIS, so it will be easy for business actors to adapt and their businesses will develop. It practically implies that MSMEs in Ambon City are getting more and more aware that the perceived usefulness and perceived ease of use available in the QRIS are able to encourage business development. Apart from that, Bank Indonesia as the promoter of QRIS implementation for MSMEs needs to monitor entrepreneurs using QRIS so that they can answer any obstacles they still face. Theoretically, it also implies that this research provides a new area of research not only limited to interest in using it but directly towards the application of new technology and its influence on the development of MSMEs.

Essential Drivers of Customer Satisfaction in using Shopee Apps: A Perspective of Logistic Service Dimensions

2024-01-25T11:48:43+00:00

This study was motivated by authors’ curiosity to study Shoppe as a booming e-commerce
company, while logistics services are critical for Shopee’s success in term of satisfying
its customers. This study aims to examine how factors of logistic dimensions affect
customer satisfaction of Shoppe and is basic research. The authors applied a correlational
research type with a quantitative approach. The primary data were obtained directly from
respondents by distributing a questionnaire. They were analyzed using SEM approach
and Analysis of Moment Structures (AMOS) software. The results show that of 7
hypotheses are supported. All factors of logistics dimensions: availability, delivery time,
shipping cost, delivery reliability, product quality and condition, consumer complaint
and return policy, and information quality affect customer satisfaction. This implies that
Shoppe must make its stocks available, ensure its delivery time on time, pay attention
on its shipping cost, ensure the delivery of goods is in accordance with the conditions
applied, the product packaging during shipping is not damaged, a simple return policy,
provide information that meets expectations to satisfy its consumers. The present study
can shed light on the logistics services dimensions that align with customer expectations
in the e-commerce industry. Understanding these crucial logistics dimensions can enable
Shopee to better tailor their logistics operations to meet and exceed customer needs,
ultimately resulting in satisfaction.

Peran Servant Leadership pada Organizational Citizenship Behavior dengan Mediasi Job Satisfaction

2024-01-18T11:28:11+00:00

This study aims to determine the effect of servant leadership and perceived organizational support on organizational citizenship behavior through job satisfaction of PERUMDAM Tirta Projotamansari Bantul Yogyakarta emplo-yees. This research is quantitative, and primary data in the form of filling out questionnaires were taken with a census technique on 55 respondents. The data were collected through a direct survey, and then, processed using multiple linear regression analysis using SPSS version 23 and sobel test using daniel soper calculator. The results showed that servant leadership has a significant positive effect on job satisfaction, job satisfaction has a significant positive effect on organizational citizenship behavior, and job satisfaction mediates the effect of servant leadership on organizational citizenship behavior. Companies can improve the implementation of servant leadership which is still low among employees so that it can strengthen employee job satisfaction and contribute to organizational citizenship behavior.

Halal Tourism in West Sumatera: a Bibliometric Study

2023-11-09T11:41:00+00:00

West sumatera is a halal tourism destination in Indonesia. It was acknowledged by Global Muslim Travel Index in 2016. All stakeholders have given more intention to this halal tourism. Beyond the strengthening district regulation on it, the studies on halal tourism in West Sumatera have been increasing every year. This study aims to map the research about halal tourism in West Sumatera. Bibliometric approach was conducted to map the different studies on this topic. By using Publich or Perish, the data were taken from Google Scholar database. Several keywords were used to do it, i.e. halal tourism in West Sumatera, Islamic tourism in West Sumatera, wisata halal di Sumatera Barat and wisata Sariah di Sumatera Barat. The metadata were described by tables and graphs. Again it is also visualized by VOSViewer to find the research cluster on the topic and trend of relationship among the keywords. The study found that the research on Islamic tourism in West Sumatera is still limited. It only found 35 journal articles or proceeding in tens of years. The theme is also limited on description of the opportunity and challenges and stakeholders perception about Islamic tourism in West Sumatera.

Unlocking the Potential of Continue Intention to Use of MyBCA between Generations

2024-03-26T03:13:24+00:00

BCA has just unveiled a brand-new digital platform called myBCA. Although myBCA provides more services overall than mobile BCA, users are hesitant to transfer over due to concerns about security. The myBCA app's rating in the Google Play Store is still 3.7 stars. This situation is emblematic of common challenges encountered in the digital landscape, where the introduction of new technologies often meets with user resistance, especially when security and usability concerns arise. The acceptance and continuance of using new technology are explained by TCT. There are three primary factors—e-service quality, perceived ease of use, and perceived risk—that affect how new technology is accepted. This research uses primary data involving 250 respondents. The data were analysed using structural equation models. The results showed that e-service quality and perceived ease of use have a significant and positive effect on user satisfaction. Yet, e-service quality directly has no significant effect on continued intention to use. Perceived risk has a negative impact on user satisfaction, both directly and indirectly, on continued intention to use. User satisfaction is able to mediate the influence of e-service quality, perceived ease of use, and perceived risk on continued intention to use the MyBCA app. Perceived ease of use is more sensitive to Gen Y and Gen Z, while perceived risk is more sensitive to Gen Y. The implication of this study suggest that companies should prioritize e-service quality and perceived ease of use while developing new technology.

The effect of financial literacy on financial inclusion, social capital, and cognition on beginner and experienced investor

2024-05-06T08:21:13+00:00

This study examines how financial literacy affects financial inclusion, social capital, and cognition in stock investors. Prospective investors or investors can manage per-sonal finances in the future. This research involves many samples with cross-sectional data. This research consists of the independent variables, financial literacy, and the dependent variables consist of financial inclusion, social capital, and cognition. The dependent variable of financial inclusion consists of access, quality, usage, and welfare; social capital consists of the dimensions of collective action, bonding, bridging and trust, and cognition. The independent variable of financial literacy consists of the dimensions of skill, behavior, knowledge, and attitude. The collected respondents were taken from 165 respondents, and they were analyzed using the structural equation modeling. After processing the data, it shows that the effect of financial literacy and cognition on financial inclusion is supported, and financial literacy on social capital cognition is supported. Meanwhile, social capital towards inclusion literacy needs to be supported. Based on the results, stock investors must be more careful in choosing investment products/institutions to avoid fraud.

Peranan pertumbuhan ekonomi dalam memediasi faktor-faktor yang mempengaruhi indeks pembangunan manusia

2024-05-08T02:32:06+00:00

Provincial HDI data in 2022 shows striking disparities between regions. This figure shows the uneven economic development in Indonesia. An analysis of factors that can influence HDI is needed. This research aims to analyze the influence of regional finan-cial performance and capital expenditure on HDI with economic growth as an inter-vening variable. The sample used in this research was 34 provinces that met the research criteria. The variables used in this research are regional financial performance, capital expenditure, economic growth, and HDI. Financial performance and capital expenditure are exogenous variables, economic growth is an intervening variable, and HDI is an endogenous variable. The method used to analyze the relationship between variables is SEM PLS. The test results show that financial performance, capital expenditure and economic growth directly have a positive significant effect on HDI. The results of this test have the implication that to improve the quality of life of the population, attention is needed to improve financial performance, capital expenditure and economic growth in each region. The other test results showed that economic growth was able to mediate the effect of capital expenditure on HDI but was not able to mediate the effect of financial performance on HDI.

Determinan stabilitas perbankan di Indonesia: Pendekatan makro dan mikro prudensial

2024-06-21T07:51:45+00:00

Banks have a very important role in the economy. Not only as financial intermediaries. They have also played a big role in the effectiveness of monetary policy. Therefore, bank stability is very important. This research aims to determine the influence of micro-prudential variables represented by CAR, NPL, and LDR variables, as well as the influence of macro-prudential variables represented by the Rupiah exchange rate variable against USD, inflation, interest rates, and IHSG, on bank stability in Indonesia, both in the short and long term. Using the vector error correction model (VECM) analysis technique, this research provides results that microprudential variables and macroprudential variables are both proven to have an influence on banking stability in Indonesia. Micro-prudential indicators such as CAR and LDR have been proven to have a positive effect on banking stability. Meanwhile, NPLs have a negative effect on banking stability. Likewise for macro-prudential indicators: the exchange rate and inflation have a negative effect on financial system stability. Meanwhile, interest rates and IHSG have a positive effect on banking stability. The impact of surprises or shocks that occur in micro-prudential and macro-prudential variables on banking stability is permanent. The implication of the findings in this research is that Bank Indonesia and the Financial Services Authority have a very large role in achieving banking stability in Indonesia.

Social media vlogs and e-wom on man-made tourism destination: Insights from Indonesia

2024-06-28T08:51:37+00:00

The use of social media Vlogs and WOM has not been thoroughly researched to stimu-late the intention to visit tourist destinations, especially man-made destinations. Howev-er, social media is currently an effective promotion and branding tool. The purpose of this study is to test whether e-WOM and social media vlogs have an impact on interest in visiting tourist destinations, whether social media vlogs have an impact on e-WOM, and whether e-WOM can be a moderating variable. The object of research is tourists who have visited man-made destinations in Indonesia, with a total of 414 respondents. Data collection is done through an online survey using Google Forms. Structural Equation Modeling (SEM) was used to analyze all hypotheses using SmartPLS 4.0 statistical software. The findings showed that social media vlogs and eWOM effectively drive in-tention to visit artificial tourism destinations, with eWOM positively moderating the relationship between social media vlogs and intention to visit. These results make a sig-nificant contribution to tourism theory and practice in formulating the most appropriate marketing promotion strategy for man-made tourism destinations today.

Human resources accounting optimization: A conceptual pathway to improve financial performance

2024-07-10T02:09:29+00:00

This research discussed HRA’s impact on a company’s financial performance. Human Resource Accounting (HRA) is measured by using 16 indicators, while financial performance uses 4 indicators, which consist of return on assets (ROA), return on equity (ROE), firm size, and leverage ratio. The analytical method used is binary logistic regression. The result shows that none of the HRA indicators affect ROA, while the other three are still affected by HRA indicators. Employment report indicators and other employee benefits in HRA indexes significantly affect ROE. Human resource policy, human resource development fund, and superannuation fund affect firm size the most. The last leverage ratio is significantly affected by human resource policy. This research has implications for manufacturing companies to increase information transparency for investors in the capital market through the sustainability disclosure of periodical HRA reports. Meanwhile, it is recommended that the government take action to encourage HRA disclosure for public companies in Indonesia by making the standards and regulations needed.