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All Journal Jurnal Logistik Indonesia Majalah Ilmiah Bijak International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Komunitas: Jurnal Pengabidian Kepada Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Ilomata International Journal of Social Science JAMBIS : Jurnal Administrasi Bisnis
Cundo Harimurti
Institut Ilmu Sosial Dan Manajemen STIAMI
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Risk Analysis of MSME and MSM Credit by Economic Sectors Cundo Harimurti
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.5951

Abstract

This study aims to analyse the credit risk of the Micro, Small, Medium Enterprises and Micro Small Medium sector by economic sector during the Covid-19 Pandemic. Time series research data for the period 2011-2020 from Indonesian Banking Statistics With the secondary data analysis method, it is known that the average non-performing loan for MSMEs and MSM for a period of 10 years according to the wholesale and retail sector is IDR 14.062 trillion, Construction of IDR 3.244 trillion, Processing Industry of IDR 2.908 trillion, Agriculture, Hunting and Forestry of IDR 2.040 trillion, Real Estate, Rental Business, and Corporate Services are amounting to IDR 1.334 trillion, Transportation, Warehousing and Communication of IDR 1.145 trillion, Social, Cultural, Entertainment and Other Personal Services of IDR 1.089 trillion, Accommodation, Food and Beverage of IDR 904 billion, Mining and Quarrying of Rp. 431 billion, Financial Intermediaries IDR 303 billion, Fisheries of IDR 190 billion, Health Services and Social Activities of IDR 127 billion, Electricity, Gas, and Water of IDR 78 billion, Education Services of IDR 52 billion, Individual Services Serving Households of IDR 44 billion. One of the reasons for the increase in non-performing loans for MSMEs and MSMs is the weak economic activity resulting from the COVID-19 pandemic, which has triggered a decrease in credit demand and has pushed up non-performing loans due to the decline in the ability to pay from MSME and MKM actors.
Analysis Of Internal Factors Affecting the Net Interest Margin of Conventional National Private Banks Cundo Harimurti
Majalah Ilmiah Bijak Vol 19, No 2: September 2022
Publisher : Institut Ilmu Sosial dan Manajemen STIAMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31334/bijak.v19i2.2540

Abstract

This study analyses the influence of size, capital adequacy ratio, Operating Costs and Operating Income, Loan to Deposit Ratio, and Loan to Asset Ratio on the Net Interest Margin of Conventional National Private Banks. The sample in this study is 37 conventional national private banks based on Indonesia Banking Statistics 2021. Data analysis with multiple linear regression analysis with secondary data during 2012-2021. The results of the study found that size has a significant negative effect on Net Interest Margin. The capital adequacy ratio has a significant positive impact on Net Interest Margin. Operating Expenses and Operating Income have an insignificant effect on Net Interest Margin. Loan to Deposit Ratio has a significant positive impact on Net Interest Margin. Loan to Asset Ratio has a significant positive effect on Net Interest Margin.
PENGARUH KUALITAS PRODUK DAN PROMOSI PADA MARKETPLACE SHOPEE TERHADAP KEPUTUSAN PEMBELIAN DI SHOPEE (STUDI KASUS PADA KARYAWAN BNI DIVISI CONTACT CENTER SUDIRMAN JAKARTA Meilinda Torihoran; Cundo Harimurti
JAMBIS : Jurnal Administrasi Bisnis Vol 2, No 4: Agustus 2022
Publisher : JAMBIS : Jurnal Administrasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31334/jambis.v2i4.2524

Abstract

The purpose of this study was to determine the effect of Product Quality and Promotion on Purchase Decisions. The theory used in this study refers to the opinion of Kotler (2009: 188) which states that purchase decisions are consumers'willingness to buy a product or not. This research was conducted using quantitative methods through the distribution of questionnaires. The sample consisted of 56 respondents who were selected from a population of 56 individuals using the saturated sampling method. The results of data analysis using partial and multiple linear regression analysis with the help of SPSS version 25 show that partially product quality has a positive and significant effect on purchasing decisions with a value of 63.5%, and promotions also has a positive and significant effect on purchasing decisions with a value of 36.5%. The F test proves that the Product Quality and Promotion variables simultaneously have a positive and significant effect on Purchase Decisions with an fcount value of 48.75, greater than ftable (3.17). In addition, the positive and significant influence can also be seen from the value of the determinant coefficient, i.e. 64.8%, with the remaining 35.2% influenced by other variables not examined in this study
PENGARUH CUSTOMER EXPERIENCE DAN KEPUASAN PELANGGAN PELANGGAN TERHADAP LOYALITAS PELANGGAN SMARTFREN Mega Hernawan; Cundo Harimurti
JAMBIS : Jurnal Administrasi Bisnis Vol 2, No 1: Februari 2022
Publisher : JAMBIS : Jurnal Administrasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31334/jambis.v2i1.2462

Abstract

The purpose of this study was to determine the effect of customer experience and customer satisfaction on customer loyalty to Smartfren. The theory used in this study refers to the opinion of Sheth (Harumi, 2016: 118), which states that, "Customer loyalty is a customer's commitment to a brand, store or supplier, based on a very positive attitude and is reflected in consistent repeat purchases. Loyal customers are individuals who make repeat purchases from the same company, telling other potential customers through word of mouth.” This research was conducted using quantitative methods through the distribution of questionnaires. The population was 60,000 members of Smartfren Community with a sample of 140 respondents. The results of the F-test conducted using SPSS version 26.0 show that Customer Experience and Customer Satisfaction variables simultaneously have a positive and significant influence on Customer Satisfaction. This is evidenced by the fcount value of 78.202, which is greater than the ftable value of 3.06. The positive and significant effect is also evidenced by the value of the determinant of the coefficient of 53.3%.
Product Quality, Price, and Frontline Service Quality as Drivers of Consumer Purchase Decisions: Evidence from Indonesia Farouk Ismail Zain; Cundo Harimurti
Majalah Ilmiah Bijak Vol. 23 No. 1: March 2026
Publisher : Institut Ilmu Sosial dan Manajemen STIAMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31334/qf9r7h12

Abstract

The increasing demand for office supplies in Jakarta, particularly products related to document storage, has created a highly competitive market where consumers are faced with numerous brand alternatives. This study aims to analyze the influence of product quality, price, and Sales Promotion Girl (SPG) service quality on consumer purchasing decisions for Daiichi products at Gramedia Bookstores in Jakarta. A quantitative research design was employed, with a sample of 240 respondents selected using a simple random sampling technique. Data were collected through questionnaires using a five-point Likert scale and analyzed with multiple linear regression using SPSS 26. The results indicate that SPG service quality exerts the most dominant influence on purchasing decisions (β = 0.681; R² = 0.464), followed by price (β = 0.543; R² = 0.294), while product quality shows a weaker but still significant effect (β = 0.353; R² = 0.125). Simultaneously, the three independent variables explain 48.4% of the variance in purchasing decisions. These findings suggest that while product attributes and competitive pricing are important, personalized service through SPGs plays a more critical role in shaping consumer behavior in retail office supply markets. From a managerial perspective, this study highlights the importance of investing in SPG training and communication skills, alongside adaptive pricing strategies, to enhance consumer trust and drive purchase decisions. From a theoretical standpoint, the findings enrich consumer behavior literature by emphasizing the strategic role of frontline service quality in influencing purchase decisions.   
Co-Authors Aziza Leila Komala Farouk Ismail Zain Fino Wahyudi Abdul I Nyoman Purnaya Islah, Khikmatul Laode Sabaruddin Mega Hernawan Meilinda Torihoran Miroslaw Matyja MOHAMMAD SOFYAN Mohammad Sofyan Pandoyo Pandoyo Pandoyo Pandoyo Resista Vikaliana Resista Vikaliana Tiffany Dwi Januarny Vikaliana, Resista Wardoyo Wicaksono Yuli Evitha Yuli Evitha