Garuda - Garba Rujukan Digital

Analisis Strategi Pemasaran pada Efektivitas Penjualan Produk Kredit Perbankan di PT BPR Bhakti Daya Ekonomi KPO Pakem Hidayat, Rafli Putra; Setyaning, Alldila Nadhira Ayu
Community Engagement and Emergence Journal (CEEJ) Vol. 6 No. 4 (2025): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v6i4.8783

Penelitian ini bertujuan untuk menganalisis strategi pemasaran langsung yang diterapkan oleh PT BPR Bhakti Daya Ekonomi KPO Pakem dalam meningkatkan efektivitas penjualan produk kredit perbankan. Pendekatan penelitian yang digunakan adalah kualitatif deskriptif, dengan metode pengumpulan data berupa observasi partisipatif dan wawancara mendalam. Hasil penelitian menunjukkan bahwa strategi pemasaran langsung berbasis hubungan sangat efektif dalam membangun kepercayaan dan memperkuat hubungan antara Account Officer dan calon nasabah. Faktor pendukung utama keberhasilan strategi ini meliputi relasi sosial yang kuat di tingkat komunitas dan penggunaan teknologi digital (BIANCA) untuk monitoring aktivitas pemasaran. Namun, tantangan yang dihadapi antara lain adalah tingkat penolakan yang tinggi, kompetisi dari bank umum dengan program Kredit Usaha Rakyat (KUR), dan kesenjangan kompetensi di antara Account Officer baru. Penelitian ini merekomendasikan pengembangan strategi hybrid yang mengintegrasikan metode pemasaran langsung dengan digital marketing untuk memperluas jangkauan pasar. Selain itu, penguatan pelatihan SDM dan pemanfaatan data analitis untuk targeting pasar dinilai penting dalam meningkatkan efektivitas pemasaran ke depan.

Pengaruh Persepsi Pengguna E-Wallet terhadap Pembelian Impulsif: Peran Mediasi Kepuasan dan Kesenangan Sultoni, Nofa Ardhan; Setyaning, Alldila Nadhira Ayu
Studi Akuntansi, Keuangan, dan Manajemen Vol. 5 No. 2 (2025): Oktober
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v5i2.5561

Purpose: This study aims to determine the influence of interactivity perception, risk perception, visual appeal, and subjective norms on impulse purchase behavior, with satisfaction and perception of pleasure as intervening variables in e-wallet users in Indonesia. Methodology/approach: The approach used in this study is a quantitative approach. The data collection technique was by distributing online questionnaires to 300 respondents using Google Form. The sampling technique used a non-probability sampling technique using the purposive sampling method which was then processed using structural equation modeling SEM (Structural Equation Modeling) using the PLS program. Results/findings: This study found that the perception of interactivity, visual appeal, and subjective norms had a positive and significant effect on satisfaction and perception of pleasure. On the other hand, risk perception has a negative and significant effect on both. In addition, satisfaction and perception of pleasure also have a positive and significant effect on impulse buying behavior. Conclusions: Overall, the study confirms that both cognitive (satisfaction) and affective (enjoyment) responses play a crucial mediating role in transforming external stimuli into impulsive purchase decisions. The findings strengthen the application of the S-O-R framework in the digital financial context and provide both theoretical enrichment and managerial implications. Limitations: The limited number of respondents and the variables used were limited to perceived interactivity, perceived risk, visual appeal, subjective norms, satisfaction, and perceived enjoyment. Contribution: This study contributes to policymaking for e-wallet service providers in designing more effective marketing strategies focused on user experience.

Trust on a Swipe: Exploring the Role of Impulsiveness and Virtual Transactions in Purchasing Intentions Setyaning, Alldila Nadhira Ayu
Formosa Journal of Multidisciplinary Research Vol. 3 No. 10 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v3i10.11492

This study aims to analyze the impact of virtual transaction systems and impulsive buying on trust and how this trust influences the purchasing intentions among Indonesian consumers. Using a quantitative approach and SEM-PLS analysis with 247 respondents, the research findings indicate that virtual transaction systems and impulsive buying both have a positive and significant impact on trust. Moreover, trust is shown to positively and significantly affect purchasing intentions. Additionally, trust is found to mediate the relationship between virtual transaction systems and purchasing intentions, as well as the relationship between impulsive buying and purchasing intentions. The results provide valuable insights for e-commerce platforms to refine their payment options and customer engagement strategies to build a more trustworthy and seamless shopping experience.

The Impact of Supportive Study Climate, Positive Emotion, and Psychological Capital on Academic Performance of Yogyakarta Students: Mediated by Student Engagement Darmawan, Rifky Budi; Setyaning, Alldila Nadhira Ayu
Formosa Journal of Multidisciplinary Research Vol. 3 No. 10 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v3i10.11677

This study aimed to investigate the influence of a supportive study climate, positive emotion, and PsyCap on academic performance, mediated by student engagement among university students around the Special Region of Yogyakarta. This research is a quantitative study. The population in this study was 120 students around the Special Region of Yogyakarta. The data collection technique used was convenience sampling, with a final sample of 100 respondents. Data was collected through the distribution of questionnaires and the analysis tool used was SmartPLS 4.0. The result of this study explain that supportive study climate has no direct or indirect influence on academic performance, Positive emotions and PsyCap have no direct influence but have an indirect influence on academic performance, and Student engagement has a direct influence on academic performance.

Empowering Local Tailors with E-Catalog Creation and Digital Marketing: a Case Study from SMEs at Demak Nahda, Katiya; Setyaning, Alldila Nadhira Ayu
Asian Journal of Community Services Vol. 3 No. 2 (2024): February 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajcs.v3i2.7672

This program is designed to boost the digital prowess of tailors in the Semarang-Demak toll area, mentored by PT PPSD. Focused on e-catalog creation and digital marketing, it aims to sharpen their online marketing and cataloging skills. The goal is to widen their market presence, increase sales, and adapt to evolving digital trends. The initiative includes foundational training in e-catalog tools and digital marketing tactics, along with practical social media promotion strategies. Interactive workshops and mentorship sessions further reinforce this learning. By fostering collaboration between PT PPSD, the tailors, and our support team, we are not just driving immediate sales growth; we are equipping these artisans with enduring skills to thrive in today's competitive marketplace.

Participatory Strategies for Empowering Indonesian Migrant Worker Unions in Kuala Lumpur, Malaysia: Improving Welfare and Rights Setyaning, Alldila Nadhira Ayu; Nursyamsiah, Siti
Asian Journal of Community Services Vol. 3 No. 9 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajcs.v3i9.11465

Indonesian migrant workers in Malaysia face various challenges, including legal uncertainty, discrimination, and unsafe working conditions. The presence of a union plays a crucial role in providing protection, advocacy, and support for these workers. This study aims to empower Indonesian migrant worker unions in Malaysia through a participatory approach that involves the workers themselves in the decision-making process and program development. The outcomes are the enhancement insight of the capacity and capability of Indonesian migrant worker unions in Malaysia in advocating for and protecting migrant workers' rights, encourage active participation of migrant workers in union activities and decision-making processes, development empowerment programs based on the real needs of migrant workers, and increasing migrant workers' awareness of their rights and available protection mechanisms.

Pengaruh Persepsi Pengguna E-Wallet terhadap Pembelian Impulsif: Peran Mediasi Kepuasan dan Kesenangan Sultoni, Nofa Ardhan; Setyaning, Alldila Nadhira Ayu
Studi Akuntansi, Keuangan, dan Manajemen Vol 5 No 2 (2025): Oktober
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v5i2.5561

Purpose: This study aims to determine the influence of interactivity perception, risk perception, visual appeal, and subjective norms on impulse purchase behavior, with satisfaction and perception of pleasure as intervening variables in e-wallet users in Indonesia. Methodology/approach: The approach used in this study is a quantitative approach. The data collection technique was by distributing online questionnaires to 300 respondents using Google Form. The sampling technique used a non-probability sampling technique using the purposive sampling method which was then processed using structural equation modeling SEM (Structural Equation Modeling) using the PLS program. Results/findings: This study found that the perception of interactivity, visual appeal, and subjective norms had a positive and significant effect on satisfaction and perception of pleasure. On the other hand, risk perception has a negative and significant effect on both. In addition, satisfaction and perception of pleasure also have a positive and significant effect on impulse buying behavior. Conclusions: Overall, the study confirms that both cognitive (satisfaction) and affective (enjoyment) responses play a crucial mediating role in transforming external stimuli into impulsive purchase decisions. The findings strengthen the application of the S-O-R framework in the digital financial context and provide both theoretical enrichment and managerial implications. Limitations: The limited number of respondents and the variables used were limited to perceived interactivity, perceived risk, visual appeal, subjective norms, satisfaction, and perceived enjoyment. Contribution: This study contributes to policymaking for e-wallet service providers in designing more effective marketing strategies focused on user experience.

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