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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Penelitian Pendidikan IPA (JPPIPA) AFRE Accounting Financial Review JURNAL PENDIDIKAN TAMBUSAI Jurnal Riset Bisnis dan Manajemen Jurnal Ners Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang Ministrate: Jurnal Birokrasi dan Pemerintahan Daerah jurnal syntax admiration Jurnal Pengabdian kepada Masyarakat Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Kriez Academy KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society Jesocin : Journal of Jabar Economic Society Networking Forum Jesocin : Journal of Economics, Accounting, Business, Management, Engineering and Society Jurnal Audit, Pajak, Akuntansi Publik IPSSJ
Zaenal Aripin
Univeristas Sangga Buana Bandung
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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THE EFFECT OF TRUST AND SERVICE QUALITY ON THE SAVINGS DECISIONS OF MILLENNIALS AND ITS IMPLICATIONS FOR STRENGTHENING THE DIGITALIZATION STRATEGY OF RURAL CREDIT BANKS IN WEST JAVA Aripin, Zaenal; Suteja, Jaja
Jurnal Riset Bisnis dan Manajemen Vol. 19 No. 1 (2026): February Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v19i1.34217

Abstract

This study investigates what compels millennial customers in West Java to save with Rural Banks (Bank Perekonomian Rakyat). By analyzing data from nearly 200 respondents, the research isolates the comparative impact of institutional trust versus service quality on financial decision-making. The results offer a compelling strategic insight: while trust is a fundamental baseline, service quality is the dominant driver, wielding a significantly stronger influence on saving behavior. Specifically, millennials prioritize reliability and digital convenience over traditional reputation alone. Together, these two factors account for 58% of a customer's decision to save. For Rural Banks, the managerial implication is clear. To capture this demographic, institutions must evolve beyond legacy relationships and aggressively enhance digital capabilities and transparency. Long-term competitiveness relies on blending the integrity of community banking with the seamless efficiency of modern service.
SUSTAINABLE PACKAGING SOLUTIONS AND INNOVATION Aripin, Zaenal; Budi Raharja , Arif; Ayu Amrita , Nyoman Dwika
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 2 No. 12 (2025): Kisa Institute : December 2025
Publisher : PT. Kreatif Indonesia Satu

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Abstract

Background: The global packaging industry faces mounting pressure from environmental degradation, stricter regulatory frameworks, and rising stakeholder expectations regarding sustainability. Conventional packaging practices, heavily reliant on single-use plastics and non-recyclable materials, contribute significantly to pollution, resource depletion, and carbon emissions. The COVID-19 pandemic further exposed vulnerabilities in packaging supply chains while simultaneously accelerating consumer awareness of environmental responsibility. As a result, organizations must urgently innovate toward sustainable packaging solutions that balance ecological performance with economic viability and operational efficiency. Aims: This study investigates the drivers, implementation approaches, barriers, and performance outcomes of sustainable packaging innovation across manufacturing and retail organizations in Southeast Asia, with a focus on developing an evidence-based framework for practitioners and policymakers. Method: A mixed-methods design was employed, combining a quantitative survey of 312 senior managers across Southeast Asia (response rate 26%) using 87 validated Likert-scale items, and qualitative case studies from 28 cross-sector organizations through 94 semi-structured interviews averaging 75 minutes each, supplemented by direct observation and document analysis. Quantitative data were analyzed using multivariate regression and correlation techniques (e.g., r = 0.67 for the communication variable); qualitative data underwent systematic thematic coding with triangulation. Results: Findings reveal that 78% of organizations initiated sustainable packaging transformation within the last three years, driven primarily by regulatory compliance (72%) and market demands for eco-friendly products (68%). Phased implementation approaches supported by change management practices — with a budget allocation of 15–20% — achieved success rates of 71–83%. Organizations adopting sustainable packaging reported an average 34% reduction in material waste (range 18–67%), a 28% improvement in customer satisfaction, a 22% increase in brand equity scores, and an 18% reduction in long-term packaging costs. Organizational resistance (68%) emerged as the primary barrier, effectively mitigated through early stakeholder involvement (+140%) and comprehensive employee training programs (+165%). Contribution: This study develops an evidence-based framework for advancing sustainable packaging capabilities, offering actionable insights for industry practitioners, organizational leaders, and environmental policymakers navigating the circular economy transition in Southeast Asia.  
Co-Authors Achmad Noerkhaerin Putra Adang Haryaman Adi Suroso Agusiady, R. Ricky Alfian, Achmad Anggraeni, Vilma Dewi Aristanto, Eko Asep Gunawan Astrid Altaira Chandra Ayu Amrita , Nyoman Dwika Ayu Amrita, Nyoman Dwika Bambang Susanto Budi Raharja , Arif Budi Raharja, Arif Debie K. R. Kalalo Dendi Nugraha Dianvayani, Giska Didin Saepudin Dunya, Muhamad Abi Dwika Ayu Amrita, Nyoman Endang Fatmawati Endang Ruchiyat Enung Susilawati Erdi Maulana Ermeila, Sri Erwan Komara Etty Sofia Mariati Asnar Faisal, Ijang Fakhry Amin Farida Yulianty Farida Yuliaty Fatmasari, Raden Roro Fitriana Fitriana Fitriana Fitriana Fitriana Fitrianti, Nida Garnida Fransiska Carmelia Subeno Gjosphink Putra Umar Sakka Gulo, Nurdelima Haddan Dongoran Harto Necsen Linelejan Herry Achmad Buchory Ijang Faisal Indri Damayanti Indri Damayanti Jaja Suteja Kosasih Kosasih KOSASIH KOSASIH, KOSASIH Lili Adi Wibowo M. Syafarudin Mahaputra Mahaputra, M. Syafarudin Marasabessy, Maharani Regita Mariati Asnar, Etty Sofia Matriadi, Faisal Maya Ariyanti Muhammad Syahrul Hidayat Mulyani , Sri Rochani mulyani, sri rochani Nia Riana Nida Garnida Fitrianti Novianha Pynatih, Ngurah Made Nugraha, Ramlan Indra Nugroho, Taufan Padma Hanuun, Nazhira Nindya Padma Negara, M. Rizqi Palittin, Normayanti Prihat Assih Raden Roro Fatmasari Redjeki, Finny Riana, Nia Ricky Agusiady Rukhiyat Syahidin Rulia, Rulia Ryan Aldiansyah Akbar Saepudin, Didin Salsabila, Unik Hanifah Sikki, Nurhaeni Sitanggang, Erikson Sjoraida , Diah Fatma Sri Ermeila Sri Rochani Mulyani Suganda, Uce Karna Sugeng Haryanto Sunardi Sunardi Sunarjo Sunarjo Supriatna, Ucu SUSANTI Syahidin, Rukhiyat Syarif Hidayatullah Taufik Zulfikar Tekat Sukomardojo Tresnadi, Rama Ucu Supriatna Vip Paramarta Vip Paramarta Vip Paramarta Wawan Ichwanudin Wawan Ichwanudin Widjajanti Utoyo Y. Ony Djogo Yolistina, Anggun Yulianty, Farida