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<![CDATA[INTERPRETASI KEPERCAYAAN DEBITUR KKM CENTRAL SANTOSA FINANCE CABANG SURABAYA ]]>
<![CDATA[Izaak, Wilma Cordelia]]>;
<![CDATA[Rini, Hesty Prima]]>
<![CDATA[ BISMA: Jurnal Bisnis dan Manajemen Vol 13 No 2 (2019) ]]>
Publisher : <![CDATA[Jurusan Manajemen Fakultas Ekonomi dan Bisnis ]]>
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DOI: 10.19184/bisma.v13i2.9583
<![CDATA[The purpose of this study is to analyze and interpret the effect of perceived quality and perceived value on consumer satisfaction and loyalty. The research sample was taken using a purposive sampling technique with the sample consisting of 67 debtors of motorbike ownership credit at the Central Santosa Finance Surabaya. The research data were analyzed using Partial Least Square (PLS) method. The results showed that perceived quality had a significant positive effect on loyalty through satisfaction, and perceived value had a significant positive effect on loyalty, both directly and indirectly through satisfaction. However, perceived quality did not have a direct effect on loyalty. These results implied that the company should continuously improve its service quality to maintain customer trust, satisfaction, and loyalty. Keywords: loyalty, perceived quality, perceived value, satisfaction.]]>
<![CDATA[PENGUATAN UMKM MELALUI PENERAPAN SERVICESCAPE MODEL UNTUK MENINGKATKAN JANGKAUAN PEMASARAN DI KECAMATAN SAWAHAN SURABAYA ]]>
<![CDATA[Izaak, Wilma Cordelia]]>;
<![CDATA[Azizah, Nurul]]>;
<![CDATA[Kriswibowo, Arimurti]]>
<![CDATA[ Jurnal Bisnis Indonesia 2020: Jurnal Bisnis Indonesia Edisi Khusus Pengabdian Masyarakat ]]>
Publisher : <![CDATA[Program Studi Ilmu Administrasi Bisnis ]]>
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<![CDATA[Abstract Community service activities carried out by the Community Service Team in the Sawahan Sub-District of Surabaya aim to provide knowledge about the application of the servicecape model for umkm actors as a marketing strategy and provide skills to MSME owners in shaping the consumer mindset through the pattern of perceived sacrifice with the main objective being to increase marketing reach. The direct benefit of this community service activity is as additional knowledge, skills and experience to MSME owners related to the application of the servicescape model in increasing marketing reach. The expected benefit of derivatives is that the application of the servicescape model as a marketing strategy can increase the sales turnover of MSME owners and be able to prosper the community in the Sawahan District of Surabaya. Community service activities are carried out in the form of training by providing material and practice of applying the servicescape model as a marketing strategy. The target audience for this community service activity is the owners of MSMEs in Sawahan District, amounting to 50 people. The method of activities used in community service is the method of lecture, question and answer, discussion and practice. Evaluation of activities in community service is an aspect of continuous knowledge and skills. Keywords: MSME; Servicescape; Perceived Sacrifice; Marketing Abstrak Kegiatan pengabdian kepada masyarakat yang dilaksanakan oleh Tim Pengabdian Kepada Masyarakat di Kecamatan Sawahan Surabaya bertujuan untuk memberikan pengetahuan tentang penerapan model servicescape bagi para pelaku umkm sebagai strategi pemasaran dan memberikan keterampilan kepada pemilik UMKM dalam membentuk mindset konsumen melalui pola perceived sacrifice dengan tujuan utama adalah untuk meningkatkan jangkauan pemasaran. Manfaat langsung dari kegiatan pengabdian kepada masyarakat ini ialah sebagai tambahan pengetahuan, keterampilan dan pengalaman kepada pemi- lik UMKM terkait dengan penerapan model servicescape dalam meningkatkan jangkauan pemasaran. Manfaat turunan yang diharapkan adalah dengan adanya penerapan model servicescape sebagai strategi pemasaran dapat meningkatkan omzet penjualan pemilik UMKM dan mampu untuk mensejahterakan masyarakat di Kecamatan Sawahan Surabaya. Kegiatan pengabdian kepada masyarakat ini dilaksanakan dalam bentuk pelatihan dengan pemberian materi dan praktik penerapan model servicescape sebagai strategi pemasaran. Khalayak sasaran dari kegiatan pengabdian kepada masyarakat ini adalah pemilik UMKM di Kecamatan Sawahan berjumlah 50 orang. Metode kegiatan yang digunakan dalam pengabdian kepada masyarakat ini adalah metode ceramah, tanya jawab, diskusi dan praktik. Evaluasi kegiatan dalam pengabdian masyarakat ini adalah aspek pengetahuan dan keterampilan yang berkesinambungan. Kata Kunci: UMKM; Servicescape; Perceived Sacrifice; Pemasaran]]>
<![CDATA[PENGARUH KESIAPAN UNTUK BERUBAH DAN PROACTIVE BEHAVIOR TERHADAP KINERJA ]]>
<![CDATA[Kustini, Kustini]]>;
<![CDATA[Izaak, Wilma Cordelia]]>;
<![CDATA[Rini, Hesty Prima]]>
<![CDATA[ BISMA: Jurnal Bisnis dan Manajemen Vol 14 No 3 (2020) ]]>
Publisher : <![CDATA[Jurusan Manajemen Fakultas Ekonomi dan Bisnis ]]>
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DOI: 10.19184/bisma.v14i3.15251
<![CDATA[This study aims to analyze the effect of readiness to change on employee performance through proactive behaviour. The readiness to change will lead to proactive behaviour in implementing the Financial Budget System (SIGARKU), which will impact employee performance. This study used the census sampling technique. The sample consisted of 80 lecturers and education staff of UPN "Veteran" East Java as the SIGARKU implementers. Data were analyzed using Structural Equation Modeling with Partial Least Square approach. Results of this study indicate that readiness to change has a direct effect on performance. Readiness to change has a positive effect on proactive behaviour, and proactive behaviour positively affects performance. However, proactive behaviour does not mediate the effect of readiness to change on performance. Keywords: performance, proactive behaviour, readiness to change, SIGARKU]]>
<![CDATA[ANALISIS TINGKAT PERSEPSI KONSUMEN PADA MINAT PENGGUNAAN KARTU E-MONEY ]]>
<![CDATA[Nuruni Ika Kusuma Wardhani]]>;
<![CDATA[Wilma Cordelia Izaak]]>;
<![CDATA[Lifia Hardiyani]]>
<![CDATA[ Procuratio : Jurnal Ilmiah Manajemen Vol 8 No 2 (2020): Procuratio : Jurnal Ilmiah Manajemen ]]>
Publisher : <![CDATA[Institut Bisnis dan Teknologi Pelita Indonesia ]]>
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<![CDATA[The emergence of e-money cards as a development of financial technology has not been welcomed by the public. Evidenced by the low level of use of e-money cards. When compared to server-based electronic money, card-based electronic money users are only 1/3 of server-based electronic money users. This phenomenon occurs as a result of many perceptions from the public, especially those who actively use it, such as how useful e-money cards are, whether e-money offers a lot of conveniences, and about the risks that will arise from the use of e-money. The purpose of this study is to look at the effect of perceived benefits, perceived convenience and perceived risk on the interest in using chip-based electronic money cards. The method used is non-probability sampling with purposive sampling technique producing a total sample of 80 respondents. The data analysis technique used is Partial Least Square (PLS). The results showed the better the perception of the benefits and perceptions of the ease of a user towards Mandiri E-Money electronic money cards, the interest in using them will also increase. Vice versa. Unlike the risk perception, it does not in any way affect the intention in using the Mandiri E-Money electronic money card. Munculnya kartu e-money sebagai perkembangan dari finansial teknologi ternyata masih belum disambut dengan baik oleh masyarakat. Terbukti dengan rendahnya tingkat penggunaan kartu e-money. Jika dibandingkan dengan uang elektronik berbasis server, pengguna uang elektronik berbasis kartu hanya 1/3 dari pengguna uang elektronik berbasis server. Fenomena ini terjadi sebagai akibat dari banyaknya persepsi dari masyarakat terutama yang aktif menggunakannya seperti seberapa bermanfaat kartu e-money, apakah e-money menawarkan banyak kemudahan, dan mengenai resiko-risiko yang akan ditimbulkan dari penggunaan e-money. Tujuan dari penelitian ini adalah untuk melihatpengaruh persepsi manfaat, persepsi kemudahan dan persepsi risiko terhadap minat penggunaan kartu uang elektronik berbasis chip. Metode yang digunakan yaitu non-probability sampling dengan teknik pengambilan sampel purposive sampling menghasilkan jumlah sampel sebesar 80 responden. Teknik analisis data yang digunakan adalah Partial Least Square (PLS). Hasil penelitian menunjukkan semakin baik persepsi manfaat dan persepsi kemudahaan seorang pengguna terhadap kartu uang elektronik E-Money Mandiri maka minat dalam menggunakan juga akan semakin meningkat. Begitu pula sebaliknya. Berbeda dengan persepsi risikoyang sama sekali tidak mempengaruhi minat penggunaan kartu uang elektronik E-Money Mandiri.]]>
<![CDATA[PENGGUNAAN MEDIA SOSIAL BRANDING PRIBADI SEBAGAI MEDIA PEMBELAJARAN DALAM MENGEMBANGKAN KETERAMPILAN AKADEMIK TERHADAP PEMBELAJARAN INDEPENDEN DI ERA DIGITAL ]]>
<![CDATA[Nurul Azizah]]>;
<![CDATA[Wilma Cordelia Izaak]]>
<![CDATA[ Procuratio : Jurnal Ilmiah Manajemen Vol 8 No 4 (2020): Procuratio : Jurnal Ilmiah Manajemen ]]>
Publisher : <![CDATA[Institut Bisnis dan Teknologi Pelita Indonesia ]]>
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DOI: 10.35145/procuratio.v8i4.798
<![CDATA[The existence of social media is increasingly being used by various organizations to attract consumers, especially teenagers. As a form of balance in the use of social media, universities should also optimize its use to improve student academic skills. Higher education institutions are required to be able to carry out an effective learning model. Market changes require higher education institutions to have capability in innovation and responsiveness in making students able to compete so as to create quality graduates. In preparing quality students, it is influenced by the knowledge of independent learning that will be created, resulting in an increase in student activity and personal branding as capable students in the digital era. The purpose of this study was to see how much influence the personal psychology factor (personal five trait) has on the use of social media in creating personal branding and learning models in response to the objectives of independent learning and independent universities. The questionnaire was given to students who were in the university environment using purposive sampling technique and obtained 146 respondents. Reliability and validity are measured through the average variation and Cronbach's alpha analysis. The analysis uses the SEM model structure with SmartPLS which is used to test the relationship between variables. The results of the correlation test obtained scores that are all significant, the highest value on the correlation of learning media to personal branding, meaning that the personal formation of students is strongly influenced by the learning media provided. The lowest hypothesis value is found in the correlation test of learning media to social media usage, meaning that learning media has a relatively low effect on the use of social media by students. Eksistensi social media semakin banyak di gunakan berbagai organisasi untuk menarik para konsumennya, khususnya bagi remaja. Sebagai bentuk keseimbangan pengunaan social media sudah seharusnya perguruan tinggi juga mengoptimalkan penggunaannya untuk meningkatkan skill akademik mahasiswa. Institusi pendidikan tinggi dituntut untuk mampu melakukan model pembelajaran yang efektif. Perubahan pasar menuntut institusi pendidikan tinggi untuk memiliki kepabilitas dalam inovasi dan ketanggapan dalam membuat mahasiswa untuk dapat bersaing sehingga menciptakan lulusan yang berkualitas. Dalam mempersiapkan mahasiswa yang berkualitas dipengaruhi oleh pengetahuan tentang belajar merdeka yang akan diciptakan sehingga menghasilkan peningkatan pada keaktifan mahasiswa dan personal branding sebagai mahasiswa yang mumpuni di era digital. Tujuan penelitian ini adalah untuk melihat seberapa besar pengaruh faktor psyocology personal (personal five trait) terhadap pemanfaatan sosial media dalam menciptakan personal branding dan model pembelajaran dalam merespon tujuan pembelajaran merdeka dan universitas merdeka. Kuesioner diberikan kepada mahasiswa yang berada pada lingkungan universitas dengan menggunakan teknik sampling purposive sampling diperoleh sejumlah 146 responden. Reliabilitas dan validitas diukur melalui rata – rata variasi dan analisis Cronbach’s alpha, Analisis menggunakan struktur model SEM dengan smartPLS yang digunakan untuk menguji hubungan antar variabel. Hasil uji korelasi diperoleh nilai yang seluruhnya signfikan, nilai tertinggi pada korelasi media pembelajaran terhadap personal branding, artinya pada pembentukan personal mahasiswa sangat dipengaruhi oleh media pembelajaran yang diberikan. Nilai hipotesis terendah terdapat pada uji korelasi media pembelajaran terhadap social media usage, artinya media pembelajaran berpengaruh relative rendah terhadap penggunaan social media oleh mahasiswa.]]>
<![CDATA[DETERMINAN LOYALITAS NASABAH KPR PT.BANK MANDIRI, TBK CABANG SURABAYA ]]>
<![CDATA[Wilma Cordelia Izaak]]>
<![CDATA[ Jurnal MEBIS (Manajemen dan Bisnis) Vol 3 No 1 (2018): July 2018 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis (Gedung B) │UPN "Veteran" Jawa Timur ]]>
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DOI: 10.33005/mebis.v3i1.17
<![CDATA[The purpose of this study was to determine the influence of perceived quality as well as perceived value of consumers, or in this case the consumers of house mortgages over their satisfaction and loyalty. The respondents being analyzed are the consumers of house mortgages in one government bank located in Surabaya. The tool used for analyzing is the Partial Least Square model obtained through the software SmartPLS version 2.0.M3. To sum up, the result of the hypothetical analyzes shows that both perceived quality and perceived value have no indirect influence over loyalty through satisfaction. The lack of influence that perceived value as well as perceived quality indirectly and directly over loyalty can be explained as a growing phenomenon. This phenomenon sees the tendency for consumers of mortgage to choose bank with the best environment’s house as their place of living (and not as an investment), and also the availability of guarantee for their mortagages in long terms.]]>
<![CDATA[Implications of The Application of Flipped Classroom Learning Media to Self-efficacy and Student Learning Participant ]]>
<![CDATA[Hesty Prima Rini]]>;
<![CDATA[Wilma Cordelia Izaak]]>
<![CDATA[ Journal of Economics, Business, and Government Challenges Vol 1 No 2 (2018): Journal of Economics, Business, and Government Challenges ]]>
Publisher : <![CDATA[Universitas Pembangunan Nasional "Veteran" Jawa Timur ]]>
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DOI: 10.33005/ebgc.v1i2.14
<![CDATA[The importance of learning activeness of UPN Veteran Jawa Timur management program students in the success of the learning process, one of which is influenced by internal factors inherent in students (talents, interests, and IQ), one of which is shown by the level of self-efficacy. This study aims to analyze the implications of application of flipped class room learning media to increase self-efficacy and student learning activities. This research uses quasi experiment or pseudo experiment with one-group-pretest-posttest design model, where the research will be conducted in two cycles of assessment that is the first cycle in the period before the learning process "Interactive Classroom Activities" and "Explicit Instruction Methods" after seven initial meetings before Midtest and after Midtest. This research process is done cyclically as suggested by Kemmis & McTaggart (1988) with respect to plan, implementation, monitoring, and reflection. Test reliability is done by technique test-retest (repeat measurement). The population in this study are all students of Management Faculty of Economics and Business UPN Veteran Jawa Timur. The sample in this research is student of UPN Veteran Jawa Timur Management class of 2015-2016 as experiment class with number of 30 people. Based on the classroom action research conducted by the influence of self-efficacy on student activity, the effect of using flipped classroom learning media on self-efficacy in two different cycles proved to have positive but not significant effect. Second, the influence of the use of flipped classroom learning media visually proved to have a positive and significant impact on student activeness.]]>
<![CDATA[Social Media Marketing and TOE Framework Exploration in Digital Micro or Small and Medium Enterprises ]]>
<![CDATA[Wilma Cordelia Izaak]]>;
<![CDATA[Theodora Cicelia Khristi]]>;
<![CDATA[Nuruni Ika Kusumawardhani]]>
<![CDATA[ Journal of Economics, Business, and Government Challenges Vol 5 No 1 (2022): Journal of Economics, Business, and Government Challenges ]]>
Publisher : <![CDATA[Universitas Pembangunan Nasional "Veteran" Jawa Timur ]]>
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DOI: 10.33005/ebgc.v5i1.210
<![CDATA[This study aims to determine the function and role of digital MSMEs stands for Micro or Small-Medium Enterprises using TOE exploration during the Covid-19 pandemic. The Covid-19 pandemic has made the majority of the economic sector, especially MSMEs, decline. The majority of MSMEs actors cannot develop and many ended up in bankruptcy. This is what makes MSMEs business actors change the function and role of digital MSMEs during the COVID-19 pandemic with a sales strategy through a digitalization scheme. The digitization scheme is by utilizing a market place (intermediary) and using social media as a marketing technique. In addition, digital MSMEs actors must be able to synergize with consumers in marketing products and services. Thus the digital MSMEs development scheme can be an alternative to save business actors in the midst of the Covid-19 pandemic. This article uses the literature study method by elaborating various literatures on the development of digital MSMEs. This article argues that the development of digital MSMEs has become an alternative to saving as well as developing the functions and roles of digital MSMEs during the COVID-19 pandemic.]]>
<![CDATA[The Role of Servicescape and Perceived Sacrifice on Loyalty Intentions University Students ]]>
<![CDATA[Wilma Cordelia Izaak]]>;
<![CDATA[Ronggo Alit]]>
<![CDATA[ Nusantara Science and Technology Proceedings 4th International Seminar of Research Month ]]>
Publisher : <![CDATA[Future Science ]]>
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DOI: 10.11594/nstp.2019.0406
<![CDATA[This research aims to examine the important role of the servicescape on the level of commitment of college students to complete their lectures at their university. This research also tries to explain how perceived sacrifice in moderating servicescape towards intention to be loyal from new state university students. By using Partial Least Square analysis, the results are expected to be able to show the role of the servicescape towards the intention to be loyal to students and with student’s perceived sacrifice able to strengthen or weaken student judgment to servicescape. This research is only carried out in a limited scope, where the population is students of 2016 until 2018 so that they can still pass the disposition stage or switch to different decisions during their study so that the focus of the research is students of class 2016 until students of class 2018 who are still actively recorded on the main data of the faculty. The main reason for this population selection is to get measurable results whether there is a relationship to the assessment of servicescape with loyalty intentions, with the moderator variables of student’s perceived sacrifice. The results of this research are expected to be able to provide a new choice that enriches the process of developing service marketing in good university governance for higher education and the learning process for all parties. Within the examination among research variables, it was found that servicescape and perceived sacrifice have a significant effect on the implementation of student loyalty intentions. The results of this study can be used as a reference for the improvement of good university government construction management using a sustainable servicescape approach among students.]]>
<![CDATA[Marketing Mix and Community Product Purchase Behavior During Covid-19 Pandemic in Surabaya ]]>
<![CDATA[Nanik Hariyana]]>;
<![CDATA[Wilma Cordelia Izaak]]>
<![CDATA[ Nusantara Science and Technology Proceedings 4th Economics, Business, and Government Challenges 2021 ]]>
Publisher : <![CDATA[Future Science ]]>
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DOI: 10.11594/nstp.2022.2303
<![CDATA[During stable times, firms will generally aim to create reliable B2B relationships that provide increased efficiency and profitability. However, tumultuous times, such as the time during a major pandemic, cause many significant disruptions in both internal and external environmental domains. Thus, we argue that it is critical during this time to reevaluate the company's business relationships as a whole. While long-term partnerships are great for handling incremental changes during stable times, disruptive environmental changes may require managers to consider disruptive changes to their businesses. A pandemic may also present opportunities for establishing new relationships as there may be other partners/suppliers who are better equipped to help the company address urgent short-term needs and to capitalize on significant long-term opportunities. In this paper, we design a new relationship audit template to help B2B firms weather the immediate crisis at hand and position themselves more strategically for the future. We explore this idea about the coronavirus outbreak, introduce the idea of a B2B crisis relationship audit, and offer potential steps forward for firms.]]>
