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CREDIT RISK MANAGEMENT CONTROL ON SME SEGMENT: STUDY CASE OF XYZ BANK BRANCH SURABAYA Mayasari, Ludmila; Harianto, Eric; Mas’ud, Riduan; Albazi, Uzair; Nursaid, Nursaid
Jurnal Aplikasi Manajemen Vol. 20 No. 2 (2022)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.02.17

Abstract

The study is conducted to explain the suitability of credit risk control management to minimize the non-performing loans at XYZ Bank Branch Surabaya as stipulated by the Basel Accord Committee in Financial Services Authority Regulation No. 18/PJOK.03/2016 about the Implementation of Risk Management for Commercial Banks. Based on the Basel III guidelines, credit risk management includes seven mechanisms. The seven mechanisms are the policy framework, credit risk rating framework, credit risk limits, credit risk modeling, credit risk mitigation, credit audits, and loan review mechanisms. The study uses a qualitative study by the case study approach. The results showed that the control of credit risk management implemented by Bank XYZ Surabaya Branch to minimize non-performing loans to individual debtors in the SME segment had not run effectively. It was primarily about the evaluation of credit risk, which led to the emergence of a new set of risks such as errors in credit risk evaluation, target market losses and ineffective allocation of loan funds, and inadequate strategies for collecting net credit to customers. The study also provides several recommendations for credit risk management as the strategy to reduce the risk of lending to individual debtors in the SME segment at XYZ Bank Branch Surabaya.
PARENTS' DECISIONS IN CHOOSING K-12 EDUCATION DURING THE COVID-19 PANDEMIC: AN EXPLORATORY FACTOR ANALYSIS Harianto, Eric; Tambunan, Damelina; Dewi, Liliana; Dinata, Yuwono Marta
Jurnal Aplikasi Manajemen Vol. 20 No. 4 (2022)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.04.04

Abstract

The Covid-19 pandemic has had a major impact on K-12 schools. Therefore it is very important to examine the factors that shape parents' decisions in choosing K-12 education for their children so that schools can meet parents' expectations. As a result, student enrolment in K-12 schools can be increased. This study aims to determine the factors that shape parents' decisions in choosing kindergarten, elementary, junior high, and high school (K-12) education levels for their children in the new normal era. The object of research is the Citra Blessing School in Surabaya. The method used is a quantitative research method. Data collection in this study using questionnaire research. The population is 1,142 parents from K-12. Sampling using a random sampling technique. 797 parents were used as the sample. The analytical method used is exploratory factor analysis (EFA) with the help of the SPSS application. As a result, there is 1 factor that is not appropriate from the 27 initial factors, so 26 factors are used as a factor for parents' decision-making in choosing K-12 education. These 26 factors form 4 new factors, namely 1. Service and Ambience Excellence; 2. Student Competence; 3. Learning Management System, and 4. School Reputation. This finding becomes a reference for improving the performance of K-12 in Surabaya. In particular, so that the quality of education, the quality of alumni, student admissions, and student enrolment can be improved. It is in order to maintain the continuity of schools, especially K12 schools in the New Normal period. It is a reference for K-12 students to use flip classrooms or blended learning as learning methods during the teaching and learning process. In addition, it motivates K-12 to take part in competitions, thereby increasing the school's academic achievement.
EXPLAINING THE ROLE OF SERVICE QUALITY AND CUSTOMER VALUE ON CUSTOMER SATISFACTION Cahyono, Tri; Herdinata, Christian; Harianto, Eric; Olasode, Tikristini
Jurnal Aplikasi Manajemen Vol. 21 No. 1 (2023)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2023.021.1.09

Abstract

The interest of this study is how to maintain service quality to achieve customer satisfaction. This study is expected to provide an understanding of the effect of service quality and customer value on customer satisfaction and its indicators. This study analyzes the factors influencing customer satisfaction in the aviation training and education industry. The studies were on service quality, customer value, and customer satisfaction. This research is descriptive and quantitative and focuses on analyzing factors that influence customer satisfaction with a survey method approach using a questionnaire. The population in this study were alumni of Merpati Training Centre students who had completed the initial FOO and Engineering education held by Merpati Training Centre. The study was conducted on 86 respondents with a non-random sampling technique using purposive sampling. The results of the study showed that the service quality has a significant effect on customer value, the service quality has a significant effect on customer satisfaction, the customer value has a significant effect on customer satisfaction, and the service quality has a significant effect on customer satisfaction through the intervening customer value. It showed that maintaining good relationships with customers, in this case, students, and improving the service quality provided will impact the customer value obtained by students. Ultimately the expected customer satisfaction is achieved in the aviation training and education industry. If the service quality, customer value, and customer satisfaction are met as expected, it will impact increasing the number of customers and growing in the future.
ASSESSING THE EFFECT OF ONLINE LEARNING SERVICE QUALITY ON CUSTOMER RETENTION THROUGH CUSTOMER SATISFACTION AS MEDIATION VARIABLE IN THE CULINARY STUDY PROGRAM BACHELOR DEGREE DURING THE COVID-19 PANDEMIC Leoparjo, Fabiola; Harianto, Eric; Mas’ud, Riduan; Ilyas, Gunawan Bata; Hasanah, Yulia Nur
Jurnal Aplikasi Manajemen Vol. 21 No. 2 (2023)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2023.021.02.20

Abstract

This quantitative study explores the relationship between online learning service quality, customer satisfaction, and customer retention in the Culinary Study Program during the Covid-19 pandemic. Using data from 217 students in a private university, specifically in Surabaya. The analysis employed in this study is Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationship between the research variables, including the measurement model (outer model) for validity and reliability testing, and the structural model (inner model) for hypothesis testing and mediation analysis. The research reveals a significant direct effect of online learning service quality on customer satisfaction. Higher levels of service quality positively impact customer satisfaction, aligning with previous research in e-learning contexts. Additionally, the study establishes a significant indirect effect of online learning service quality on customer retention through customer satisfaction as a mediation variable. Higher customer satisfaction levels lead to increased customer retention in the Culinary Study Program. These findings offer insights for educational institutions to enhance service quality and customer satisfaction, focusing on dimensions such as content, system functionality, and interaction quality. Implementing strategies to prioritize student satisfaction can improve online learning effectiveness during challenging times like the Covid-19 pandemic. Overall, this study contributes to the knowledge of online learning service quality, customer satisfaction, and customer retention, emphasizing the importance of high-quality online learning experiences for student satisfaction and retention in the Culinary Study Program during the Covid-19 pandemic.
DOES DIGITAL MARKETING BASED ON BRAND IMAGE AND BRAND TRUST AFFECT PURCHASE DECISIONS IN THE FASHION INDUSTRY 4.0? Ilmi, Sayyidah Hafidhatul; Harianto, Eric; Mas’ud, Riduan; Azizurrohman, Muhammad
Jurnal Aplikasi Manajemen Vol. 21 No. 3 (2023)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2023.021.03.01

Abstract

Factors forming purchasing decisions are important for companies to analyze to be sustainable in rapid technological developments. The rapid development of technology is followed by e-commerce in Indonesia, which results in increasingly fierce competition between competitors. This study aims to analyze and examine the impact of digital marketing on brand trust and brand image that influence the purchase decision of Mirrorplus.id products. Data collection uses quantitative methods by distributing questionnaire to Mirrorplus.id consumers. The study was conducted from July 2021 to January 2022. The sampling technique used purposive sampling with several criteria and 139 respondents. The data analysis technique used SEM-PLS with the help of SmartPLS 3.2.9. The results of the study yield several conclu­sions, namely, digital marketing has a significant and positive effect on brand image and brand trust, brand image does not have a significant but positive effect on purchasing decisions, and brand trust has a significant and positive effect on purchasing decisions. The implication that will be carried out is to carry out a market penetration and product development strategy. Market penetration can be done by adding promotion and marketing costs to Mirror­plus.id digital media. Some steps can be taken are collaborating with several influencers, where influencers can spread the Mirrorplus.id brand by explain­ing product functions and values.
THE PHENOMENON OF DISCOMFORT TOWARD ORGANIZATIONAL CHANGE MODERATED BY EMPOWERING LEADERSHIP Harianto, Eric; Teofilus, Teofilus; Wahyudono, Denny Bernardus Kurnia; Menny, Alviano Herbert; Azizurrohman, Muhammad
Jurnal Aplikasi Manajemen Vol. 21 No. 4 (2023)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2023.021.04.01

Abstract

Organizational change is an inevitable demand in the era of globalization. These changes can lead to discomfort, which can reduce organizational commitment in each member of the organization. It can happen because everyone in the organization is forced to leave their comfort zone to face new situations. The study was conducted to determine the phenomenon of discomfort in educational organizations that are making changes to the organization and whether this phenomenon influences the work commitment of organizational members. The empowering leadership variable will then moderate the relationship between the two variables. Empowering leadership is a leadership method in which a leader provides opportunities for subordinates to be independent at work (autonomy) and provides development opportunities. This study uses a questionnaire method in data collection and gets 255 respondents from Ciputra school foundations in Indonesia. This study uses SPSS as software in data processing to obtain research results. Based on the results of this study, discomfort does not have a significant impact on respondents who have a high level of commitment but can increase commitment if given empowering leadership. Discomfort cannot have a negative impact on organizational commitment because the majority of respondents' profile factors have strong organizational values, so they have built a commitment to schools. The research results can certainly be implemented by relevant organizations when they want to make organizational changes. Empowering leadership, which has a positive impact on commitment, is useful for accelerating change and keeping members of their organization.
The Role of Experiential Marketing Towards Purchase Intention in Vertical Building Property Mediated by Brand Image and Brand Awareness Raditya, Andreas; Harianto, Eric; Nahar, Faiza Husnayeni
Jurnal Aplikasi Manajemen Vol. 22 No. 1 (2024)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2024.022.01.07

Abstract

The Covid-19 pandemic has caused various behavioral changes in society, especially in business. People's consumption behavior has shifted to the consumption of daily necessities products, so that sales in property have decreased. This study aims to examine the effect of Experiential Marketing on Purchase Intention at the Ciputra International Jakarta Superblock Project. This research uses a quantitative design using SEM-PLS analysis. The population in this study is sales candy data obtained through Instagram booster ads in the Jakarta area of as many as 334 people, which is also determined by the number of saturated samples. The results showed that experiential marketing variables have a significant influence on brand image and brand awareness. Brand image and brand awareness variables have a significant and positive effect on Purchase Intention. In addition, the results of the mediation of Experiential Marketing variables mediated by Brand Image and Brand Awareness variables have a positive and significant effect on Purchase Intention. The implication of this research is that experiential marketing activities (sense, feel, think, act, and relate) are needed to improve brand image and brand awareness so that they can help increase consumer purchase intention in the vertical building property industry.
Designing an Integrated Healthy Food Business Strategy at Griya Sehat Annaba Makassar Using QSPM Irvan Afiat; Fahrul Riza; Eric Harianto
Journal Research of Social Science, Economics, and Management Vol. 4 No. 11 (2025): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v4i11.907

Abstract

The growing public awareness of healthy lifestyles presents a strategic opportunity for complementary therapy service providers to innovate through nutrition-based services. This study aims to identify customer perceptions and preferences regarding the integration of healthy food services into Griya Sehat Annaba Makassar, analyze its strengths and challenges, and formulate optimal implementation strategies. Employing a Quantitative methods approach, primary data were collected through questionnaires from 96 clients and Focus Group Discussion with five key participants, including the owner and therapists. Quantitative data were analyzed using descriptive statistics, validity and reliability testing, and strategic mapping through SWOT, TOWS, and QSPM approaches through Focus Group Discussion. The findings indicate that most clients have a favorable perception and high interest in the healthy food service, with trust in therapists and perceived health benefits serving as key determinants. The prioritized strategy emphasizes the development of personalized therapy-based services and collaboration with local partners. The study contributes theoretically to the development of nutrition-based alternative health service integration through a consumer behavior perspective. It offers a practical strategic model for community-based health service providers and entrepreneurs. It also recommends expanding digital-based services and strengthening human resource training as a means of enhancing the sustainability of the integration system.
Designing Business Development Strategies for XYZ Subsidized Housing Developers in East Java With QSPM Fariza, Rahma; Harianto, Eric
Eduvest - Journal of Universal Studies Vol. 5 No. 6 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i6.51245

Abstract

This study formulates a corporate development plan for XYZ Housing Developer using Management Strategy Theory and the Quantitative Strategic Planning Matrix (QSPM). The objective is to leverage XYZ's unique resources and capabilities to secure a sustainable competitive advantage in the housing industry. The research begins with an analysis of Management Strategy Theory, emphasizing its importance in strategic management. It identifies XYZ's strategic resources, which are crucial for enhancing its market position. QSPM is applied to evaluate and prioritize strategic alternatives based on internal resources and external conditions. The findings highlight that strategies focusing on sustainable construction and customer relationship management are particularly advantageous. Data triangulation through multiple validation methods—expert reviews, stakeholder interviews, and empirical analysis—ensures research reliability and validity. Results show a strong correlation between effective resource utilization and improved business performance, including higher customer satisfaction and market share. This research contributes to the field by showcasing the application of Management Strategy in the housing sector and the effectiveness of QSPM in guiding strategic decisions. The study provides valuable insights for developing sustainable strategies in a competitive market.
Designing a Business Development Strategy Using a Business Model Canvas in the Nickel Mining Industry (Case Study of PT. Indrabakti Mustika, Southeast Sulawesi) Ari, Yufri; Harianto, Eric; Christian, Timotius Febry
Jurnal Locus Penelitian dan Pengabdian Vol. 4 No. 6 (2025): JURNAL LOCUS: Penelitian & Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v4i6.4140

Abstract

The nickel mining industry plays a crucial role in Indonesia’s economy, particularly in Southeast Sulawesi, which holds one of the largest nickel reserves in the country. PT. Indrabakti Mustika is one of the key mining companies operating in this region. However, the company faces significant challenges, including commodity price fluctuations, intense global competition, and increasing sustainability demands. This study aims to design a business development strategy using the Business Model Canvas (BMC) framework to enhance the company’s competitiveness and sustainability. A descriptive qualitative method with triangulation was employed, involving interviews, questionnaires, and documentation. The research informants included five internal company representatives, one customer, and one benchmarking informant from the Southeast Sulawesi Provincial Department of Energy and Mineral Resources (ESDM). Data were collected through in-depth interviews, field observations, and document analysis. The results indicate that the BMC framework effectively maps the company’s business model, identifies development opportunities, and formulates appropriate strategies. Strategic recommendations include product diversification, operational efficiency, market expansion, sustainability initiatives, and research collaboration, with a strong emphasis on aligning with industry trends such as downstream processing and environmental sustainability. Implementation is advised to be adaptive and data-driven.
Co-Authors Abdurrahman, Gani Adinata, Faris Afiat, Irvan Agung Krisprimandoyo Agustina Nancy Oktavia Aisah, Nurul Akmal, Shofwan Naufal Albazi, Uzair Alkistasari, Intan Alvin Livano Ari, Yufri Arya Asraf Danarkusuma Azizurrohman, Muhammad Bawazir, Fatmah Cholid Benazir Fahim Christian Herdinata Damelina B. Tambunan Danarkusuma, Arya Asraf Daniel Kurniawan Daniel Martomanggolo Wonohadidjojo David Sukardi Kodrat Denny Bernardus Denpharanto Agung Krisprimandoyo Dewi, Nyoman Diah Utari Dinata, Yuwono Martha Dwi Jusnita, Tias Dyah Kusuma Wardhani Dyah Kusuma Wardhani Edmond Rantung Efendi, Usman Eko Wahyudi Endi Sarwoko Eny Soenardi Ermitajani Judi, Tjatur Fabiola Leoparjo Fahrul Riza Fahrul Riza Faiza Husnayeni Nahar Fariza, Rahma Febry, Timotius Helena Sidharta Hilda Yunita Wono Ignatius Ivan Sulaksono Ilmi, Sayyidah Hafidhatul Ilyas, Gunawan Bata Indudewi, Febe Yuanita Ratna Irmawanti, Irmawanti Irvan Afiat Ismirani Saputri Ivan Setiawan J.E. Sutanto J.E. Sutanto Jason Lianto, Timothy Johanes Tanzil Judi, Tjatur Ermitajani Kurniawan, Dedy Arik Lala Setiany Wee Lestari, Ika Mutia Liliana Dewi Limanta, Nicko Lookman, Cienthia Maimunah Johari Mas’ud, Riduan Maureen Nuradhi Mayasari, Ludmila Menny, Alviano Herbert Monica Natalia Muhammad Farich Romdhoni Nursaid Nursaid Nursaid Olasode, Tikristini Pandu Kurniawan, Ocvan Panjaitan, Felix Patrisia Amanda Pascarina Pitaloka, Ratih Dwinanda Raditya, Andreas Rantung, Edmond Riduan Mas'ud Riduan Mas’ud Riduan Mas’ud Romdhoni, Muhammad Farich Sakti Pamungkas, Anggada Salim, Elizabeth Gina Mitayanny Setyawan, Susan Shofwan Naufal Akmal Siregar, Lusyana Sitepu, Rimenda Aminarosa Stevanus Christian Anggrianto Susan Susan Tambunan, Damelia Basauli Tania Susanti Tanjoyo, Catherine Taruna, Johannes Agus Teofilus Teofilus, Teofilus Tiyo Avianto Tri Cahyono Wee, Lala Setiany Wijaya, Patrick Natalion Wijaya, Tarisna Aditya Wijono, Monica Widyati Yuli Kartika Dewi Yulia Nur Hasanah Yusuf Ariyanto Yuwono Marta Dinata Yuwono Martha Dinata