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All Journal Jesocin : Journal of Jabar Economic Society Networking Forum Jesocin : Journal of Economics, Accounting, Business, Management, Engineering and Society
Sri Rochani Mulyani
Universitas Sangga Buana YPKP, Bandung, 40124, Indonesia
Religion Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Library & Information Science Social Sciences

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articel INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS Rama Tresnadi; Sri Rochani Mulyani; Zaenal Aripin
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

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Abstract

Background: The central role of interest rates in macroeconomics cannot be overstated. Interest rates not only influence the economic landscape but also affect consumer spending, investment, and borrowing. Among these, consumer loan demand and bank profitability are two areas significantly impacted by fluctuations in interest rates. Banks adjust their lending practices, and consumers' borrowing behavior shifts according to the prevailing rates, which ultimately influences economic stability. Understanding these dynamics is crucial for both financial institutions and policymakers to craft effective strategies. Aims: This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions. Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity. Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered. Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.
DIGITAL TRUST AND CUSTOMER RELATIONSHIP RESILIENCE IN SMALL ENTERPRISES: A CONCEPTUAL ANALYSIS Sri Rochani Mulyani; Nyoman Dwika Ayu Amrita
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

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Abstract

This conceptual paper develops an integrative framework for digital trust and customer relationship resilience in micro, small, and medium enterprises (MSMEs). Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial-ecosystem literature, the paper explains how transparency, privacy awareness, service reliability, communication quality, and relationship recovery can be organized into practical managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The analysis proposes a staged cycle of diagnosis, experimentation, evidence review, governance, and resource reconfiguration. It further identifies implications for owner-managers, support institutions, and future empirical research. The framework emphasizes that capability development should be proportionate to enterprise constraints and evaluated through decision quality, learning, resilience, and business outcomes rather than adoption indicators alone.
articel INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS Rama Tresnadi; Sri Rochani Mulyani; Zaenal Aripin
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Background: The central role of interest rates in macroeconomics cannot be overstated. Interest rates not only influence the economic landscape but also affect consumer spending, investment, and borrowing. Among these, consumer loan demand and bank profitability are two areas significantly impacted by fluctuations in interest rates. Banks adjust their lending practices, and consumers' borrowing behavior shifts according to the prevailing rates, which ultimately influences economic stability. Understanding these dynamics is crucial for both financial institutions and policymakers to craft effective strategies. Aims: This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions. Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity. Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered. Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.
DIGITAL TRUST AND CUSTOMER RELATIONSHIP RESILIENCE IN SMALL ENTERPRISES: A CONCEPTUAL ANALYSIS Sri Rochani Mulyani; Nyoman Dwika Ayu Amrita
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 12 (2024): Jesocin - November
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This conceptual paper develops an integrative framework for digital trust and customer relationship resilience in micro, small, and medium enterprises (MSMEs). Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial-ecosystem literature, the paper explains how transparency, privacy awareness, service reliability, communication quality, and relationship recovery can be organized into practical managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The analysis proposes a staged cycle of diagnosis, experimentation, evidence review, governance, and resource reconfiguration. It further identifies implications for owner-managers, support institutions, and future empirical research. The framework emphasizes that capability development should be proportionate to enterprise constraints and evaluated through decision quality, learning, resilience, and business outcomes rather than adoption indicators alone.
FINANCIAL DECISION CAPABILITY AND SUSTAINABLE MSME GROWTH: AN INTEGRATIVE FRAMEWORK FOR LIQUIDITY, RISK, AND LEARNING Ijang Faisal; Sri Rochani Mulyani
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 2 (2025): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

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Abstract

This conceptual paper develops an integrative framework for financial decision capability and sustainable MSME growth in micro, small, and medium enterprises (MSMEs). It synthesizes established literature on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial ecosystems. The analysis explains how cash-flow visibility, financing discipline, risk assessment, investment prioritization, and learning-based financial control can be organized into proportionate managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The framework proposes diagnosis, capability mapping, bounded experimentation, evidence review, governance, resource reconfiguration, and learning retention as a cumulative cycle. Implications are developed for owner-managers, support institutions, and future empirical research.
FINANCIAL DECISION CAPABILITY AND SUSTAINABLE MSME GROWTH: AN INTEGRATIVE FRAMEWORK FOR LIQUIDITY, RISK, AND LEARNING Ijang Faisal; Sri Rochani Mulyani
Journal of Jabar Economic Society Networking Forum Vol. 2 No. 2 (2025): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This conceptual paper develops an integrative framework for financial decision capability and sustainable MSME growth in micro, small, and medium enterprises (MSMEs). It synthesizes established literature on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, resilience, and entrepreneurial ecosystems. The analysis explains how cash-flow visibility, financing discipline, risk assessment, investment prioritization, and learning-based financial control can be organized into proportionate managerial routines. No primary survey, interview, experimental, or statistical data are claimed. The framework proposes diagnosis, capability mapping, bounded experimentation, evidence review, governance, resource reconfiguration, and learning retention as a cumulative cycle. Implications are developed for owner-managers, support institutions, and future empirical research.
Co-Authors Ijang Faisal Nyoman Dwika Ayu Amrita Rama Tresnadi Zaenal Aripin