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All Journal Jurnal Ekonomi Manajemen Sistem Informasi Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Economics and Management Research
Lelo Sintani
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Understanding Internet Banking Motivations among Customers: A Study of Banking Marketing Management Lelo Sintani; Fauzan Manafi AlBar; Eka Hendrayani; Ayurisya Dominata; Pandu Adi Cakranegara
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 4 (2022): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i4.7070

Abstract

This business study aimed to discuss the motivation of bank customers to choose Internet Banking. We believe that customers choose internet banking for various reasons and motivations, so most bank service users switch to the Internet service system. We do the proof and discussion by obtaining supporting data from various sources of data information such as books and other scientific data. Before completing the discussion, it goes through an in-depth analysis process and accurate data hypotheses to get a valid answer. Based on the study and discussion, we can conclude that the motivation of customers to choose internet bank services includes convenience, cost-effective, flexible transactions, and following the technological era where services are getting more accessible, cheaper, and faster. It is hoped that this will be important for further studies. 
The Effect of Product Quality on Repurchase Intention Mediated by Word of Mouth Variable in Traditional Dayak Cuisine Restaurants in Palangka Raya City Susanto, Rizky Bagus; Lelo Sintani; Noorjaya Nahan; Luluk Tri Harinie
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 6 (2025): Jurnal Ekonomi Manajemen Sistem Informasi (Juli - Agustus 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i6.5936

Abstract

This study explore the effect of Product Quality on Repurchase Intention, mediated by Word of Mouth, in traditional Dayak cuisine restaurants in Palangka Raya City. The research aims to analyze how product quality influences customer satisfaction and the likelihood of repeat visits. Employing a quantitative descriptive method, data was collected from customers of Kedai Om Nun and Rumah Makan Samba using a structured questionnaire. The findings reveal that product quality significantly affects repurchase intention, both directly and indirectly through word of mouth. High-quality products lead to positive consumer experiences, fostering word-of-mouth promotion that encourages repeat purchases. These results suggest that maintaining product quality is essential for enhancing customer loyalty and satisfaction in the culinary sector.
Marketing Improvement Strategy For Laku Pandai Agents At Bank Kalteng, Pangkalan Bun Branch Yuantayanto, Yuantayanto; Usup Riassy Christa; Lelo Sintani
International Journal of Economics and Management Research Vol. 5 No. 1 (2026): April: International Journal of Economics and Management Research
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v5i1.661

Abstract

The development of digitalization has contributed to progress in Indonesia’s banking sector, making banking services more flexible and widely accessible to a society with increasingly dynamic needs. A 2021 survey conducted by the Secretariat of the National Council for Financial Inclusion (S-DNKI) showed that 83.60% of adults had recognized and used financial products and services. Despite the growth of agents and bank account ownership, challenges arise regarding the readiness of Laku Pandai agents in marketing available products due to suboptimal understanding and use of digital tools, as well as limited marketing capabilities. Therefore, effective marketing strategies for Laku Pandai agents are needed to generate maximum impact, such as expanding agent outreach to better reach communities in various regions. This study employs a library research method, which involves collecting existing literature, followed by reading, recording, and processing the data. The research was conducted on Laku Pandai agents partnered with the Regional Development Bank of Central Kalimantan, Pangkalan Bun Branch. The conclusion of this study, titled “Marketing Strategy Enhancement for Laku Pandai Agents at the Central Kalimantan Development Bank, Pangkalan Bun Branch,” identifies three key strategies for improving the marketing of Laku Pandai agents in Pangkalan Bun: opening additional sub-branch offices, strengthening agents’ understanding of products and the use of the Betang Mobile application, and enhancing both direct and digital-based promotional activities to ensure wider dissemination of promotional information and potentially increase new account openings
The Effectiveness of "Laku Pandai" Agent Implementation on Service Development at Bank Kalteng, Pangkalan Bun Branch Yuantayanto, Yuantayanto; Usup Riassy Christa; Lelo Sintani; Luluk Tri Harinie
International Journal of Economics and Management Research Vol. 5 No. 1 (2026): April: International Journal of Economics and Management Research
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v5i1.813

Abstract

The Branchless Banking Program for Financial Inclusion, locally known as Laku Pandai, is an initiative by the Financial Services Authority (OJK) aimed at expanding access to banking services for unbanked populations, particularly in remote areas. Given Central Kalimantan’s vast geographical characteristics and limited banking infrastructure, the implementation of Laku Pandai serves as a strategic solution to support financial inclusion. The objectives of this study are: 1) To evaluate the effectiveness of Laku Pandai agent implementation at Bank Kalteng, Pangkalan Bun Branch, and 2) To determine whether customers and agents have derived optimal benefits from the presence of these agents. This study employs a qualitative method with a descriptive approach. Data were collected through in-depth interviews with Laku Pandai agents, customers, and bank officials, supplemented by field observations and documentation. Data analysis followed the Miles and Huberman model, encompassing data reduction, data display, and conclusion drawing. The results indicate that the implementation of Laku Pandai agents at Bank Kalteng, Pangkalan Bun Branch, has generally been effective in improving access to and the quality of banking services for the community. The presence of agents facilitates financial transactions, saves time and costs, and enhances customer convenience. Nevertheless, the program's effectiveness still faces challenges such as network limitations, technological infrastructure, and agent liquidity constraints. This study concludes that while the Laku Pandai program contributes positively to increasing financial inclusion, it requires operational strengthening and support to ensure better and more optimal implementation.
STRATEGI OPTIMALISASI PENGELOLAAN SUMBER DAYA MANUSIA (SDM) PETUGAS KESEHATAN HEWAN DALAM PELAYANAN PUBLIK DI KABUPATEN LAMANDAU Juliper Silalahi; Luluk Tri Harinie; Achmad Syamsudin; Lelo Sintani
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 2 (2026): Edisi Mei - Agustus 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i2.7715

Abstract

Penelitian ini dilatarbelakangi oleh tingginya tantangan geografis, keterbatasan personel, dan kesenjangan kompetensi teknis dalam pelayanan kesehatan hewan di Kabupaten Lamandau yang menuntut perbaikan tata kelola. Tujuan utama penelitian ini adalah menganalisis strategi optimalisasi pengelolaan sumber daya manusia (SDM) petugas kesehatan hewan pada Dinas Pertanian dan Perikanan Kabupaten Lamandau. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus. Pengumpulan data dilakukan melalui observasi partisipan, wawancara mendalam bersama informan kunci, dan analisis dokumen pendukung. Data kemudian dianalisis melalui dua tahapan utama, yakni Analisis Tematik Refleksif untuk menggali kondisi faktual dan Sintesis Matriks SWOT/TOWS untuk memformulasikan strategi. Hasil penelitian menemukan bahwa SDM dinas memiliki kekuatan utama pada etos kerja altruistik dan solidaritas tinggi yang ditopang oleh keberhasilan transisi status kepegawaian (P3K). Meski demikian, efektivitas pelayanan masih terhambat oleh minimnya latar belakang pendidikan medik veteriner, beban kerja lintas wilayah, serta buruknya prasarana kendaraan operasional. Melalui analisis TOWS, dirumuskan strategi penguatan melalui kemitraan swasta (CSR) serta perumusan regulasi kerja yang lebih protektif. Kesimpulannya, kualitas pelayanan publik dapat dicapai secara berkelanjutan jika instansi menerapkan standardisasi sertifikasi kompetensi, membatasi jam operasional darurat, serta meremajakan fasilitas logistik petugas.
Co-Authors Achmad Syamsudin Ayurisya Dominata Cakranegara, Pandu Adi Eka Hendrayani Fauzan Manafi Albar Juliper Silalahi Luluk Tri Harinie Noorjaya Nahan Susanto, Rizky Bagus Usup Riassy Christa Yuantayanto, Yuantayanto