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The Adoption of Cardless Cash Withdrawal Using Extended UTAUT Model Napitupulu, Stevani Monica; Eko Ruddy Cahyadi
Indonesian Journal of Business and Entrepreneurship Vol. 10 No. 2 (2024): IJBE, Vol. 10 No. 2, May 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.2.329

Abstract

Background: Digital transformation became one of the strategies in the banking industry to keep up with changes in consumer behavior. Cardless Cash Withdrawal (CCW) was one of the bank innovations for digital transformation, where customers could withdraw cash at Automated Teller Machines (ATMs) without bringing or using a debit card.Purpose: This study aimed to find factors influencing the behavioral intention and use behavior of CCW in Jabodetabek with the extended Unified Theory of Acceptance and Use of Technology (UTAUT) model. Design/methodology/approach: This study used a non-probability sampling method to sample 155 mobile banking users from Jabodetabek who aware of CCW. The results which were processed using Structural Equation Model with Partial Least Square (SEM-PLS) showed that (insert the findings)Findings/Result: Performance expectancy and facilitating conditions positively and significantly affected the behavioral intention of using CCW. Meanwhile, the factors that had a positive and significant effect on the use behavior of CCW were facilitating conditions and behavioral intention.Conclusion: External factors has a stronger impact when individuals use CCW. Therefore, as long as users have adequate surrounding conditions when withdrawing cash, they are more likely to use CCW.Originality/value (State of the art): This study has adapted the combination of variables for extended UTAUT with different research objects compared to previous studies. Earlier research examined mobile and internet banking (Martins et al. 2014; Oliveira et al. 2014), while this study focuses on services provided in mobile banking. Previous research by Ye et al. (2020) combined the UTAUT model with perceived risk and individual intention to examine their influence on behavioral intention and attitude towards using new transportation modes in China. However, this study integrates perceived risk with the UTAUT model to examine the acceptance factors of cardless cash withdrawal features in Jabodetabek based on behavioral intention and use behavior. Keywords: behavioral, cardless cash withdrawal, mobile banking, SEM-PLS, UTAUT
The Determinants of Behavioral Intention and Use Behavior of QRIS as Digital Payment Method Using Extended UTAUT Model Elvina Dian Paramita; Eko Ruddy Cahyadi
Indonesian Journal of Business and Entrepreneurship Vol. 10 No. 1 (2024): IJBE, Vol. 10 No. 1, January 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.1.132

Abstract

The development of QR code payment services by various fintech companies in Indonesia prompted Bank Indonesia to issue a Quick Response Indonesian Standard (QRIS) to support transactions that were safer, easier, faster, and more efficient. This study aimed to analyze the consumer preferences and factors that influenced their intention and use behavior when using QRIS in the Jabodetabek area. The extended Unified Theory of Acceptance and Use of Technology (UTAUT) model was employed to analyze these aspects. This research was conducted from March 2023 until May 2023. Online questionnaires were distributed to 198 respondents who were users of e-wallets or mobile banking and knew about the QRIS feature. Then, the collected data were analyzed using Structural Equation Modelling – Partial Least Square (SEM-PLS). The findings revealed that perceived risk, performance expectancy, social influence, and effort expectancy had a significant positive effect on the behavioral intention to use QRIS. Meanwhile, QRIS usage behavior was positively influenced by both behavioral intentions and facilitating conditions. The priority strategy that could be implemented to enhance the adoption of QRIS was by educating the role of QRIS in reducing payment risks. Keywords: extended UTAUT, fintech adoption, QR code payment, QRIS, SEM-PLS
Key Success Factors of Startup in Business Incubation at Business Incubator IPB University Iqlima Fairuz Syifa; Cahyadi, Eko Ruddy; Anggraeni, Elisa
Indonesian Journal of Business and Entrepreneurship Vol. 10 No. 2 (2024): IJBE, Vol. 10 No. 2, May 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.2.246

Abstract

Background: Nowadays startups are no longer a thing. Startups are mushrooming and attracting much attention both nationally and internationally. Business incubation activities are essential for startups, because many startups that have yet to have time to develop but have to stop running their operations. Purpose: This study aims to analyze the success of startups in business incubation and the key success factors of startups in business incubation at the IPB University Business Incubator. Design/methodology/approach: They use the quantitative comparison method and interpretive structural modelling (ISM).Findings/Result: The results showed that the incubation program can increase sales, production capacity, and the number of employees. In the ISM analysis results, dependent factors include startup selection, commercialization process, product excellence, and implementation capacity. Connecting factors include innovative capacity, monitoring, team management, startup resources, internal startup culture, innovation ecosystem, communication, and information technology. Business incubator technical support and startup founder leadership are independent factors. Network capacity and business intelligence are the most influential. Conclusion: Thus, the IPB University Business Incubator effectively improves startup performance, and the key success factors in accelerating startup growth are network capacity and business intelligence.Originality/value (State of the art): This is the first time anyone has used the ISM method to illustrate the relationship between these factors and analyze the impact of business incubation on participants. Keywords: business incubators, business ecosystem, ISM, key success factors, startups growth
Analisis Risiko Operasional Jalan Tol Jagorawi PT Jasa Marga (Persero) Tbk Satriaputri, Dwinapriyanti; Cahyadi, Eko Ruddy
Jurnal Manajemen dan Organisasi Vol. 6 No. 3 (2015): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (493.127 KB) | DOI: 10.29244/jmo.v6i3.12612

Abstract

As one of the busiest toll roads in Indonesia, Jagorawi is exposed to various operational risks.  The purposes of this research are to analyze operational risks of Jagorawi toll road and to determine the effectiverisk reduction strategies. Cause and effect diagrams are employed to identify and classify these  risks. Then risk priorities are quantified by applying Failure Mode Effect Analysis (FMEA). Finally, in order to determine prioritized strategies, Analytical Hierarchy Process is applied. The results indicate that the main risk is the traffic risk. The most prioritized risk reduction strategies are educating both the toll road users and surrounding inhabitants. This is then needs to be followed by developing the instrastructure, investing human resource quality, automating gate, and improving the service and safety.Keywords : AHP, FMEA, cause-effect, operational risk, toll road
Manajemen Mutu dan Kesiapan UMKM Alas Kaki/Kulit dan Konveksi Bogor Menghadapi Masyarakat Ekonomi ASEAN 2015 nazlifah, siti; cahyadi, eko ruddy; andrianto, m syaefudin
Jurnal Manajemen dan Organisasi Vol. 7 No. 2 (2016): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (497.689 KB) | DOI: 10.29244/jmo.v7i2.16675

Abstract

The implementation of the ASEAN Economic Community (AEC) requires Bogor footwear/leather and convection Small Medium Enterprises (SMEs) meet the market’s standards and needs. The research aims to identify the characteristics of SMEs and the quality perception of quality management system, analyze the readiness of SMEs to face the AEC and the influence of the quality management system on the readiness of SMEs to face the AEC. The data from Bogor SMEs sevices used, then followed by snowball sampling method. The data analyses used are descriptive analysis, T-test and logistic regression analysis. The result showed that convection SMEs compare to  footwear/leather SMEs is more prepared in general, marketing and production/operation aspects. Educational level of business owner and the legal entity significantly affect the SMEs readiness facing AEC. The business owners have not implemented the quality management well, especially on the principle of system approach to management and the facts-based decision making, although these two principles are significantly affect the readiness of SMEs to face AEC 2015.
Strategi Adaptasi UMKM Kuliner Pada Masa Pandemi Covid-19 (Studi Kasus: Rumah Makan Haji Masduki, Pekalongan) Risda Arofahtiani; Eko Ruddy Cahyadi
Jurnal Aplikasi Bisnis dan Manajemen Vol. 8 No. 2 (2022): JABM Vol. 8 No. 2, Mei 2022
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.8.2.458

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The Covid-19 pandemic has forced culinary business to adapt their strategies in order to keep continuous operation. Haji Masduki Restaurant is one example of the MSMEs that are much impacted by the pandemic and struggle to be survive. This study aims to formulate an adaptation strategy for the Haji Masduki Restaurant during the Covid-19 pandemic. Adaptation strategies can be implemented by Rumah Makan Haji Masduki by identifying strengths, weaknesses, opportunities and threats to be able to maintain and develop a business in the pandemic. The method used in this study is an analysis of the internal environment and the external environment, then an alternative strategy is made using a SWOT analysis and the best strategy is selected using the Analythical Hierarchy Process (AHP). The results of this study are the adaptation strategy with the highest score is to maintain and improve product and service innovation with an AHP method. Thus, Haji Masduki Restaurant can focus on increasing product innovation and restaurant services. Keywords: adaptation strategy, AHP, covid-19 pandemic, MSME, SWOT analysis
Faktor-faktor yang Memengaruhi Minat Mahasiswa Mengikuti Program Sinergi (S1-S2) Sekolah Pascasarjana IPB Hariyadi, Effi; Cahyadi, Eko Ruddy; Slamet, Alim Setiawan
Jurnal Aplikasi Bisnis dan Manajemen Vol. 8 No. 3 (2022): JABM Vol. 8 No. 3, September 2022
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.8.3.996

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This study aims to analyze the interest of undergraduate students in the Synergy Program of the Graduate School of IPB (SPs IPB) based on the Theory of Planned Behavior (TPB). This study uses a sampling technique with a non-probability sampling method involving 389 active undergraduate student respondents with several parameters distributed through an online questionnaire. The data was then processed by analysis of the Structural Equation Modeling- Partial Square Least (SEM-PLS) using Smart PLS version 3 with reflective indicator measurements. The results of the research based on the TPB theory showed that all the variables in the TPB, namely the attitude variable, subjective norm and perception of control had a significant effect on increasing respondents' interest in participating in the SPs IPB synergy program. Furthermore, the results of the SEM-PLS analysis show that of the three TPB variables, the subjective norm variable has the highest influence on student interest compared to other variables. The subjective norm variable in this study was formed from several external factors, namely the dimensions of parents, dimensions of lecturers and dimensions of students. Thus, SPs IPB can increase the input of the synergy program participants by optimizing the three TPB variables, especially from the subjective norm variable through the role of parents in the form of providing information, fellow students in the form of delivering word of mouth information and lecturers in the form of providing recommendations. Keywords: intention, sinergy program SPs, sem pls, theory of planned behavior
Persaingan Platform Digital Layanan Pesan-Antar Makanan di Provinsi DKI Jakarta Fadilla Liska Octaviani; Eko Ruddy Cahyadi
Jurnal Aplikasi Bisnis dan Manajemen Vol. 8 No. 3 (2022): JABM Vol. 8 No. 3, September 2022
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.8.3.973

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The food delivery service industry, namely GoFood, GrabFood, and Shopee Food, is currently experiencing increasingly fierce competition. The performance has triggered an increase in the use of digital platforms due to the availability of various choices for consumers, thus requiring companies to provide superior service attributes compared to their competitors. This study aims to identify consumer and service quality attributes that need to be improved and maintained, positioning GoFood, GrabFood, and Shopee Food in the food delivery service industry. The sample of this study was 407 people who live or live in the DKI Jakarta Province. The method of determining the selection was non-probability sampling with the type of convenience sampling—processed with descriptive analysis, CSI, IPA, and biplot. The results of this study indicate that the three companies have almost indistinguishable consumer segmentation and service quality. The majority of consumers are women aged 15-24 years. Based on CSI's calculation of, the service quality of the three companies as a whole are at a satisfactory level. The results of the IPA analysis show that the price variables for GoFood and GrabFood, as well as the operating system on Shopee Food, are essential to improve. Based on the biplot analysis, GoFood emphasizes the legal aspect of the driver, GrabFood on the service process by implementing health protocol standards, and Shopee Food with affordable service prices. Keywords: biplot, competitive, CSI, food delivery services, IPA
Perbandingan Kepuasan Pelanggan Terhadap Kualitas Layanan Logistik Pada JNE dan J&T Express di Jabodetabek Fairuz Zalfa Shaumi; Cahyadi, Eko Ruddy
Jurnal Aplikasi Bisnis dan Manajemen Vol. 8 No. 3 (2022): JABM Vol. 8 No. 3, September 2022
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.8.3.939

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The e-commerce transactions incrase along with the increation need of logistic delivery service, causes logistic companies such as J&T and JNE compete. As a result, the goals of this study are as follows: (1) to identify the usage behavior JNE and J&T Express in Jabodetabek, (2) to analyze the level of logistic service quality attributes on perception of JNE and J&T Express user around Jabodetabek, (3) to analyze the satisfaction of both JNE and J&T Express logistic service quality, and (4) to analyze the priority of logistic quality service improvement in JNE and J&T Express. This research used descriptive analysis, IPA, CSI, radar chart, and independent sample t test. Total of 407 respondent obtained by convenience sampling. From the eighteen attributes, important services are the condition of package received safe and undamaged, company provides tracking service (web tracking), accuracy of finding the delivery destination address, the accuracy between delivery time and estimation time, guarantees for lost package. JNE has more attribute to be improved, it is in accordance with JNE’s lower CSI value compared to J&t Express causes JNE needs more effort for the improvement. Keywords: CSI, customer satisfaction, delivery service, IPA, logistic quality service
Pengaruh Logistics Service Quality Terhadap Customer Satisfaction dan Customer Loyalty Pada Pengguna JNE dan J&T Express di Jabodetabek : The Effect of Logistics Service Quality on Customer Satisfaction and Customer Loyalty on JNE And J&T Express Users in Jabodetabek Khairi, Lukluk Ilmatul; Cahyadi, Eko Ruddy
Jurnal Aplikasi Bisnis dan Manajemen Vol. 9 No. 2 (2023): JABM Vol. 9 No. 2, Mei 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.2.671

Abstract

The increase in the number of e-commerce users has led to the trend of online shopping becoming popular among Indonesians during the COVID-19 pandemic. Logistics provider services have an important role in the development of an e-commerce. JNE and J&T Express are logistics industry companies in Indonesia. This study aims to analyze the influence of logistics service quality on customer satisfaction and customer loyalty among JNE and J&T Express users in Jabodetabek. The data in this study were obtained through primary data and secondary data. The data analysis used was the Independent Sample T-Test and SEM-AMOS analysis with a sample of 407 respondents. The sampling technique is a non-probability sampling method with the type of convenience sampling. The results of the Different Test analysis show that 17 of the 27 indicators provide positive and significant t-count values. It can be concluded that the performance level of J&T Express is better and superior compared to JNE. The managerial implication in this study is that the quality aspect of order fulfillment is a top priority because it has the greatest influence among other aspects. The quality aspect of order fulfillment that is important to improve is the condition of the package when it is received safely and undamaged and the company's consistency in maintaining the package properly. The results of this study indicate that logistics service quality has a positive and significant effect on customer satisfaction and customer loyalty. Keywords: customer satisfaction, service quality, loyalty, SEM AMOS, logistics service
Co-Authors . Syaiful abdul basith Abdul Basith Abu Abdullah Aida Vitayala S Hubeis Ajie, Firman Tri Alfatiani, Nitra Alim Setiawan Alim Setiawan Slamet Aminah, Mimin Andi Nurmala Suardi Anggraini Sukmawati Anggraini, Elisa Ani Suryani Aprilia Kusumastuti Aprilia Kusumastuti Aprilia Kusumastuti arif febryanto Asep Korlan Dedi Ash-Shidiqie, Azkia Yasna Nadhratuzzaman Asri Delmayuni Azahra, Revina Novri Azizah, Aisyah Nur Azmar, Zahirah Bagus Sartono Bianca Fayza Putri Rostandi Budi Purwanto Daisy, Armah Kemi Dewi, Ani Rahayuni Ratna Dian Verawati Panjaitan Dina Yuniar Doni Yusri Dzaki, Muhammad Faza Dzikrina Fikrotus Salma Eksita Mariz Ramadhinta Elisa Anggraeni Elisa Anggraeni Elisa Anggraeni, Elisa Elvina Dian Paramita Fabian, Haikal Fadhlur Rahim Azmi Fadilla Liska Octaviani Fairuz Zalfa Shaumi Faqih Udin Faqih Udin dan Jono M. Munandar Meivita Amelia Fety Nurlia Muzayanah Fitri Yutika Fitri Yutika frans frans Furqon Syarief Hidayatulloh Ghassani Adisa Nuramalina Gumay, Wim Zembladimi Harahap, Fahrur Rozi Hariyadi, Effi Hartrisari Hardjomidjojo Haslinda Musa Hendri Tanjung Heti Mulyati Imran Yusuf Iqlima Fairuz Syifa irmansyah, Rio F Juan Rizal Sa’ari Khairi, Lukluk Ilmatul Khairul Ikhwan Kinda Rizki Kinda Rizki Widianti Latisya, Putri Lestari, Lucia Dyah Lima, Felyona de Lisa Rosiana M. Azka Kesuma Wardana Ma'mun Sarma Manalu, Joy Pangeranto Matoati, Rindang Meidy Rachmalia Merry Mita Moy Mokhamad Syaefudin Andrianto Muhamad Fadili, Muhamad Fadili Muhammad Ismail Mulyati , Heti Musa Hubeis Nadya Megawati Rachman Napitupulu, Stevani Monica nazlifah, siti Norman, Nurrahmi Nur Aulia Nuris Maulina Ulfah Nurul Hidayati Nurul Hidayati Pipin Supinah Pramulya, Bagus Prasatya, Fauzan Anggi Prima Zanellia, Quisty Putro, Andika Dwi PWK, Dennis Saputra Qurrata Aini Ratih Dwi Amalia Restutiani, Meila Rosanty Reza Ahda Sabiila Rinaldo, Rico Risda Arofahtiani Satriaputri, Dwinapriyanti Setiadi Djohar Sihombing, Maruli Tua Silmi Tsurayya, Silmi Slamet, Alim Setiawan Slamet, Alim Setiwan Sodik, Aris Surahman Surahman Syaiful Bachri Syamsidar Syamsidar Syamsidar Syamsidar Syamsidar Syamsidar Syarifah, Ramzani Lutfi Tjahja Muhandri Tri Puspita Ningrum Trian Miftakul Rohman Trisnojuwono, Adi Trista Fristovana Widjanarko, Moreno Verli Widyastutik Wini - Trilaksani Yandra Arkeman Yanti Nuraeni Muflikh Yefni Widria Yunus Triyonggo, Yunus Zahir Syah, Zahir Zahran, Hasna Imaratuz