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HOW PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, SECURITY AND LIFESTYLE AFFECT MSMEs’ ADOPTION OF QRIS? Rahmah, Aiza Nur; Ilham, Ilham; Sari, Nilam Anggar
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 12, No 2 (2025): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v12i2.7123

Abstract

PURPOSE - This research explores the impact of perceived usefulness, perceived ease of use, security, and lifestyle on the adoption of the Quick Response Code Indonesian Standard (QRIS) by micro, small, and medium enterprises (MSMEs) in Tenggarong City.METHODOLOGY - Employing an associative approach, the study analyzes quantitative data from 100 respondents using SPSS version 26 for Windows. The methodology incorporates multiple linear regression analysis, classical hypothesis testing, and coefficient of determination.FINDING - The findings reveal that perceived usefulness, perceived ease of use, security, and lifestyle significantly and positively affect the decision to adopt QRIS, both separately and together. Notably, perceived usefulness is identified as the most significant factor, indicating that users primarily evaluate the advantages of QRIS before reaching a decision. Additionally, this study reinforces the Technology Acceptance Model (TAM) in the context of Indonesian MSMEs, highlighting that perceived usefulness and ease of use are crucial factors in technology adoption, alongside other considerations like security and lifestyle.
ANALISIS POLA KONSUMSI PANGAN DAERAH PERKOTAAN DAN PEDESAAN SERTA KETERKAITANNYA DENGAN KARAKTERISTIK SOSIAL EKONOMI DI PROVINSI KALIMANTAN TIMUR Sari, Nilam Anggar
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 16 No 2 (2016)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v16i2.347

Abstract

This study aimed to analyze the interaction of socio economic characteristics in influencing patterns of food consumption by the typology of the area (rural and urban) and educational level of household head how the response changes in food consumption of households as a result of changes in prices and income (elasticity) that occurred in East Kalimantan Province.The analytical method used is descriptive and econometric analysis uses data Susenas 2015 with Linear Approximation of Almost Ideal Demand System models (LA / AIDS) were estimated by the Seemingly Unrelated Regression (SUR) through the procedure of Generalized Least Square (GLS). The author conducted data aggregation to overcome bias selectivity using instrumental variables to address the simultanity bias price, quality effect and quantity premium. It also conducted a restriction symmetry, homogenity and adding-up in order to function in accordance with the theory of demand.In general, commodity prices have a significant effect on the level of consumption of commodity groups, although there are some variables that are not significant. Revenues proxy for general expenses are all significantly influence the level of consumption of food commodity groups. Generally, socio economic characteristics influence significantly affect the level of consumption, although there are some that are not significant. In general, the age of  household head and the number of families does not significantly influence the level of household consumption. All commodity groups in general are normal goods and almost all commodity groups included in the category of necessities goods, except food groups of vegetables / fruits and cigarette groups are considered as luxury goods.Keywords: LA-AIDS,  Elasticity, Rural, Urban, Socio Economic Characteristic
Ketahanan Pangan Tingkat Rumah Tangga Perkotaan Dan Pedesaan Di Kabupaten Kutai Kartanegara Sari, Nilam Anggar
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 17 No 1 (2017)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v17i1.411

Abstract

Since household food security is one of the goals of economic, social and cultural development programs in Kutai Kartanegara, it is important to estimate the level of household food security. This estimation is done through various indices such as Aggregate Household Food Security Index (AHFSI). This index was first proposed by the FAO. Using this index, the present article tries to estimate the level of household food security in district Kutai Kartanegara 2015 are differentiated by urban and rural. The magnitude of the AHFSI index for 2015 is 65.67, where in urban areas it reaches 65.17 and in rural areas reaches 65.94. This means that in terms of household energy consumption on average, household food security within and relatively not much different. Since AHFSI is between 65 - 75, households in Kutai Kartanegara are on average included in the low AHFSI category, both in urban and rural areas. Households in Kutai Kartanegara in 2015 are categorized as follows: 48.59 percent are food-resistant households, 18.49 percent of vulnerable households, 1.28 percent of poor households, and 15.64 percent of food insecurity households with access to both physical and low economic access to adequate food. Percentage of food insecure households in urban areas that is more food resistant than rural areas. This is because households in urban areas have relatively good physical access and economic access compared to rural households. Keywords: Household Food Security, AHFSI, Urban, Rural
Pengaruh Shopping Lifestyle Dan Fashion Involvement Terhadap Impulse Buying Behavior Pada “Butik Kanabini” Di Tenggarong Sari, Nilam Anggar; Indrawati, Faridha
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 18 No 2 (2018)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v18i2.536

Abstract

Abstract :This research is meant to find out the influence of shopping lifestyle and fashion involvement to the impulse buying behavior. The population is the customers who have ever purchased  clothes at Kanakbini Boutique Tenggarong. The sample collection technique has been done by using sampling purposive and 75 people have been selected as samples. The analysis has been done by using multiple linear regressions. The result of the research shows that shopping lifestyle have influence to the impulse buying of the fashion product at Kanakbini Boutique. Partially, Fashion Involvement has no significant effect to Impulse buying behavior of Kanakbini Boutique . Meanwhile, the variable which has dominant influence to the impulse buying is shopping lifestyle because its partial coefficient determination is the biggest when it is compared to other variables. The analysis using the coefficient of determination shopping lifestyle and fashion involvement simultaneously variable influence on impulsive buying by 29.3 % while the remaining 70.7% is the influence of other variables not examined in this study such as quality of service, brand, discount, display, hedonic shopping value, etc.Keywords: Impulse Buying Behaviour, Fashion Involvement, Shopping Lifestyle
Pengaruh Motivasi Kerja Dan Kepuasan Kerja Terhadap Komitmen Organisasi Pada Hotel Grand Fatma Tenggarong Sari, Nilam Anggar; Isma, Siti Zulfa
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 18 No 1 (2018)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v18i1.554

Abstract

Abstract :The purpose of this study is to analyze the effect of work motivation and job satisfaction on organizational commitment. Objects in this study are work motivation, job satisfaction and organizational commitment. The research was conducted at Grand Fatma Hotel Tengarong. The population in this research is 48 employees with sampling using census approach. The data were collected by observation, interview and questionnaire. Analyzer used is multiple linear regression. The result of this research is, partially, work motivation and job satisfaction has positive and significant effect to organizational commitment. The analysis using the coefficient of determination work motivation and job satisfaction simultaneously variable influence on organizational commitment by 75.2 % while the remaining 24.8 % is the influence of other variables not examined in this study such as compensation and work competition. Meanwhile, the variable which has dominant influence to the organizational commitment is job satisfaction because its partial coefficient determination is the biggest when it is compared to other variables. Keywords: work motivation, job satisfaction, organizational commitment
Pengaruh Lingkungan Kerja Dan Motivasi Kerja Terhadap Semangat Kerja Karyawan PT.Telkom Tenggarong Sari, Nilam Anggar
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 19 No 1 (2019)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v19i1.595

Abstract

Abstract :The purpose of this study is to analyze the effect of work motivation and work environtment on work spirit. The research was conducted at PT.Telkom Tenggarong. The population in this research is 43 employees with sampling using census approach. The data were collected by observation, interview and questionnaire. Analyzer used is multiple linear regressions. The result of this research is, partially and simultaneously, work motivation and work environtment has positive and significant effect to work spirit. The analysis using the coefficient of determination work motivation and work environtment simultaneously variable influence on work spirit by 71,1 % while the remaining 28.9 % is the influence of other variables not examined in this study such as compensation and leadership styleMeanwhile, the variable which has dominant influence to the work spirit is work environtment because its partial coefficient determination is the biggest when it is compared to other variables. Keywords: Work Motivation, Job Satisfaction, Organizational Commitment
Analisis Strategi Pemasaran Jasa Pembiayaan Pada PT Federal International Finance (FIF) Cabang Tenggarong Sari, Nilam Anggar; Susanti, Susy
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 19 No 2 (2019)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v19i2.722

Abstract

Abstract :               The purpose of this study was to formulate the right marketing strategy for FIF Tenggarong Branch in the face of business competition using SWOT analysis. Respondents in this study amounted to 33 people consisting of 28 customers and 5 employees.The results of this study indicate that (1) Based on the calculation of (Strenght) - (Weaknesses), the internal value of the factor is 0.476 which means that the FIF Tenggarong Branch has greater strength than weakness, (2) Based on Opportunities - (Threats) obtained external factors of 1,569 which means that FIF Tenggarong Branch has a greater chance of threats, (3) Based on the SWOT matrix obtained the position / strategy of FIF Tenggarong Branch is currently in an aggressive strategy position (Growth oriented strategy) located in quadrant I where this position is a very favorable position for the Tenggarong Branch of FIF in managing the strengths and opportunities owned, in terms of internal and external.The strategy that must be implemented is to support an aggressive growth policy (Growth Oriented Strategy). Keywords: marketing strategy, SWOT analysis
Pengaruh Budaya Organisasi Dan Kepuasan Kerja Terhadap Turnover Intentions Karyawan Pada PT.Niagamas Gemilang Di Kecamatan Loa Kulu Kabupaten Kutai Kartanegara Sari, Nilam Anggar; Angelina, Rina; Idham, Idham
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 20 No 1 (2020)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v20i1.762

Abstract

 The object of this research was carried out at PT. Niagamas Gemilang is a growing Foreign Investment Company in the field of Oil Palm Plantation with the Manager Mr. Haribuang Senobroto having the address at Sungai Payang Village, Loa Kulu District, Kutai Kartanegara Regency, 17 Rt.10 with a total number of 1,405 employees. The purpose of this study is to Know, Are Organizational Culture Variables and Job Satisfaction Influence Simultaneously Against Turnover Intentions of Employee Employees at PT. Niagamas Gemilang In Loa Kulu Subdistrict, Kutai Kartanegara Regency, To Know, Are Organizational Culture Variables And Job Satisfaction Partially Influence On Turnover Intentions Of Employees At PT. Niagamas Gemilang in Loa Kulu Subdistrict, Kutai Kartanegara Regency and To Know, From the two variables, which variable has the most dominant influence on Turnover Intentions of Employees at PT. Niagamas Gemilang in Loa Kulu District, Kutai Kartanegara Regency.A population of 132 people and a sample of 66 employees.The first hypothesis which states "That, Organizational Culture Variables and Job Satisfaction Influence Simultaneously Against the Desire to Switch Employees at PT. Niagamas Gemilang in Loa Kulu Subdistrict, Kutai Kartanegara Regency "was accepted and proven true. The second hypothesis states that, Organizational Culture Variables Influentially Influence the Desire to Change Employees at PT. Niagamas Gemilang in Loa Kulu Subdistrict, Kutai Kartanegara Regency was accepted and proved to be true. The second hypothesis states "That, Variable Job Satisfaction Partially Influences the Desire to Change Employees at PT. Niagamas Gemilang in Loa Kulu Subdistrict, Kutai Kartanegara Regency "was accepted and proven true. The third hypothesis in this study "That, Organizational Culture variables have the most dominant influence on the desire to move employees at PT. Niagamas Gemilang in Loa Kulu Subdistrict, Kutai Kartanegara Regency "was accepted and proven true. Keywords: Organizational Culture, Job Satisfaction, Turnover Intentions
Pengaruh In-Store Display, Bonus Pack Dan Discount Terhadap Impulse Buying Pada Iwan Swalayan Tenggarong Raharjo, Sugeng; Sari, Nilam Anggar; Sapitri, Reski Nur
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 20 No 2 (2020)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v20i2.807

Abstract

Abstract : This study aims to determine and analyze the magnitude of the influence of In-Store Display, Bonus Pack and Discounts on Impulse Buying at Iwan's swalayan in Tenggarong. Respondents who were involved in this study were 94 respondents, while the method used in this study was probability sampling. Namely in-store displays, bonus packs and discounts with 1 dependent. Data collection was carried out by distributing questionnaires and the method of analysis used in this study was multiple linear regression with the help of the SPSS 25 statistics. Based on the results of testing the first hypothesis regarding the variable in store display, bonus and discount, the effect is received simultaneously. The findings indracle that bonus pack had a partical and significant effect on impulse buying. In store display variables had no significant effect on impulse buying. The second hypothesis regarding the in store display, the results are rejected with the value (t count = -0.752 < t table = 1.987). the third hypothesis regarding the bonus pack, the result is accepted with the value ( t count = 5.257 > t table= 1.987), the fourth hypothesis regarding the discount is rejected with the value (t count = 0.773 < t table = 1.987). The fifth hypothesis regarding the bonus pack has a dominant effect on impulse buying at iwan swalayan was accepted and proven to be true. Keywords: In-Store Display, Bonus Pack, Discount , Impulse Buying
Analisis Dimensi Brand Trust Terhadap Brand Loyalty (Studi Pada Pengguna Simcard Im3 Mahasiswa Febis Unikarta ) Sari, Nilam Anggar; Arifin, Dani
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 21 No 1 (2021)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v21i1.888

Abstract

Abstract: The purposes of the study were analyzing the effect of dimensions of brand trust on brand loyalty both partially and simultaneously. Beside that, to find out the dominant variable in influencing brand loyalty. The analytical tool used was a factor analysis with 75 respondents. Based on the results where the KMO table and Barlett’s test was obtained at 0.887 with a significant value less than 0.05(0,000 ≤ 0, 05). It can be concluded that the dimensions of brand trust have a significant and simultaneous influence on brand loyalty. The result also show the analysis of anti image correlation where each variable gives a contribution to the value of brand loyalty where each variables contributes: brand predictability (X1) 0,905; brand likings (X2) 0,895; brand competence (X3) 0,858; brand reputation (X4) 0,898 and trust in company (X5) 0,92. All these number above 0,5 and sig is far below 0.005 (0,000<0,000). It can be concluded that the dimensions of brand trust have a significant and partial influence on brand loyalty Based on the results of the component matrix analysis brand competence has the most dominant influence on the formation of brand loyalty IM3 brand with the highest correlation value 0,932. Keywords: Brand Trust, Brand Loyalty.