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All Journal The IC-BESTS (International Conference on Business, Economics, Technology, and Social Sciences)
Bambang Eko Samiono
Al Azhar University Indonesia

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DETERMINANTS OF COMMUNITY ACTUAL BEHAVIOR IN THE WASTE BANK PROGRAM: THE MEDIATING ROLE OF INTENTION Agnes Azzahra Trisida; Tiara Safira Almadani; Bambang Eko Samiono
IC-BESTS: International Conference on Business, Economics, Technology, and Social Sciences 2026: The IC-BESTS (International Conference on Business, Economics, Technology, and Social Sciences
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/icbests.v1i1.172

Abstract

This study examines the effects of knowledge, attitude, and facilities on community actual behavior in the waste bank program in West Jakarta, with intention as a mediating variable, based on the Theory of Planned Behavior. Waste management remains a critical environmental issue in West Jakarta due to the limited availability of waste bank facilities and low community participation, which contribute to environmental and public health problems. A quantitative approach was employed using survey data collected from 110 waste bank facility users selected through purposive sampling. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that knowledge and attitude do not have a significant direct effect on actual behavior but significantly influence actual behavior indirectly through intention, with attitude emerging as the strongest predictor of intention. In contrast, facilities have a significant direct effect on actual behavior without mediation by intention. Intention also positively and significantly affects actual behavior. These findings suggest that community participation is driven by two complementary pathways, namely an attitudinal cognitive pathway through intention and a structural pathway through facilities. This study recommends improving waste sorting facilities and strengthening community intentions through education simultaneously to support the sustainability of the waste bank program.
CONVENTIONAL TO ISLAMIC BANKING: COMPARING STATE-OWNED AND PRIVATE BANK CUSTOMERS Niken Mahmuda Awali; Rizki Tiara; Bambang Eko Samiono
IC-BESTS: International Conference on Business, Economics, Technology, and Social Sciences 2026: The IC-BESTS (International Conference on Business, Economics, Technology, and Social Sciences
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/icbests.v1i1.197

Abstract

The gap between high Islamic financial literacy and low Islamic banking inclusion in Indonesia remains a critical challenge for the industry. This study analyzes the effects of Islamic Financial Literacy (IFL), Perceived Value (PV), and Perceived Fairness (PF) on Switching Intention with Trust as a mediator, comparing state-owned and private bank customers in Jakarta. Using PLS-SEM and Multi-Group Analysis (MGA) on 200 respondents, the results reveal striking pattern differences. For state-owned bank customers, IFL, PV, and PF positively affect Trust and switching intention, with Trust acting as a partial mediator. Conversely, for private bank customers, only PF affects Trust, while PV directly drives switching intention without Trust mediation. MGA results show significant differences in two paths: IFL to Trust (positive for state-owned, negative for private) and Trust to switching intention (significant for state-owned, non-significant for private). These findings contribute to the literature by showing that the switching mechanism is comprehensive and trust-based for the state-owned segment, but pragmatic and value-based for the private segment. Consequently, Islamic banks require differentiated strategies: emphasizing literacy and fairness for state-owned customers, while highlighting functional benefits and social value for private bank customers.
Co-Authors Agnes Azzahra Trisida Niken Mahmuda Awali Rizki Tiara Tiara Safira Almadani