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All Journal Dinasti International Journal of Education Management and Social Science Greenation International Journal of Tourism and Management
Achmad Jaelani
Institut Bisnis dan Komunikasi Swadaya, Jakarta, Indonesia
Economics, Econometrics & Finance Education

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The Influence of Hajj Repayment Savings Programs and Trust on Hajj Fee Payment Decisions (A Study on Leaders at PT. Arminareka Perdana) Wiwi Sobarsari; Achmad Jaelani; Atik Budi Paryanti
Greenation International Journal of Tourism and Management Vol. 4 No. 2 (2026): (GIJTM) Greenation International Journal of Tourism and Management (June - Augu
Publisher : Greenation Research & Yayasan Global Resarch National

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/gijtm.v4i2.899

Abstract

This study aims to analyze the influence of the Hajj Repayment Savings Program and the level of Trust on Hajj Fee Payment Decisions among Leaders at PT. Arminareka Perdana. The background of this research is the phenomenon of long Hajj waiting lists in Indonesia, which necessitates mature financial planning strategies; however, fluctuations in payment commitment at the Leader level persist. This research employs a quantitative associative approach, involving 100 respondents selected through purposive sampling. Data analysis was conducted using Multiple Linear Regression via SPSS software. The results show that, simultaneously, the Hajj Repayment Savings Program and Trust significantly influence Payment Decisions, contributing 17.8%. However, partial t-test results reveal contrasting findings: the Trust variable has a positive and significant effect (Sig. 0.000), while the Hajj Repayment Savings Program does not have a significant individual effect (Sig. 0.445). This indicates that for Leaders, trust in the company's integrity and credibility is the primary driver in financial decision-making compared to the technical savings facilities provided. The research model met normality assumptions through histogram and P-P Plot tests. This study suggests that Hajj travel organizers should focus more on strengthening transparency and relational bonds with partners to increase Hajj fee repayment commitments.
The Moderating Effect of Sustainability Commitment and ESG Disclosure on Corporate Credit Risk: An Analysis of the Banking Industry in Southeast Asia Achmad Jaelani; Atik Budi Paryanti
Dinasti International Journal of Education Management and Social Science Vol. 7 No. 6 (2026): Dinasti International Journal of Education Management and Social Science (Augus
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v7i6.6282

Abstract

This research seeks to examine how the Environmental, Social, and Governance (ESG) Disclosure of debtor firms influences Credit Risk, proxied by the Non-Performing Loan (NPL) ratio, within the Southeast Asian banking sector, as well as to evaluate the moderating function of Bank Sustainability Commitment. Grounded in Signaling Theory and Stakeholder Theory, this quantitative study employs panel data from Southeast Asian listed banks covering the years 2015-2023. The regression analysis on the panel data indicates that debtor firms’ ESG Disclosure exerts a significant positive effect on bank Credit Risk (H1 supported), suggesting that strong ESG transparency signals high management quality, thereby reducing information asymmetry and the likelihood of default. A major finding also shows that Bank Sustainability Commitment significantly and positively moderates this relationship (H2 supported), amplifying the risk-reducing impact of ESG Disclosure. This implies that banks with stronger sustainability integration are more capable of leveraging ESG information for more accurate risk evaluation and mitigation. Theoretically, the study contributes to a deeper understanding of the ESG credit risk pathway by highlighting the importance of the information receiver. From a managerial standpoint, the results recommend that banks strengthen their internal sustainability commitment as a strategic approach to enhance credit risk assessment precision and optimize loan portfolio management.
Co-Authors Atik Budi Paryanti Atik Budi Paryanti Wiwi Sobarsari