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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Ilmiah Mahasiswa Ekonomi Manajemen IJBE (Integrated Journal of Business and Economics) Syntax Literate: Jurnal Ilmiah Indonesia JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) Bisma: Jurnal Bisnis dan Manajemen JRB-Jurnal Riset Bisnis Jurnal Hilirisasi IPTEKS (JHI) Buletin Ilmiah Nagari Membangun Jurnal STIE Semarang (Edisi Elektronik) Ekonis : Jurnal Ekonomi dan Bisnis JRTI (Jurnal Riset Tindakan Indonesia) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Manajemen Sistem Informasi Jurnal MEBIS (Manajemen dan Bisnis) Jurnal Teknologi Dan Sistem Informasi Bisnis Jurnal Informatika Ekonomi Bisnis Enrichment : Journal of Management Business Preneur : Jurnal Ilmu Administrasi Bisnis Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Journal of Social Research COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Accounting and Finance Management (JAFM) Journal of Business Studies and Management Review Journal Publicuho Inovbiz: Jurnal Inovasi Bisnis Seri Manajemen, Investasi dan Kewirausahaan Economica: Journal of Economic and Economic Education
Verinita, Verinita
Andalas University
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A Study on Housing Affordability Problems Among Working Households in Phnom Penh, Cambodia Menghoung, Seng; Noer, Melinda; Verinita, Verinita
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v10i4.58711

Abstract

Phnom Penh’s housing affordability crisis, driven by rapid urbanization and income inequality, disproportionately affects working households, with 78.8% earning ≤ $1,200/month. This study identifies key affordability barriers and evaluates policy solutions to bridge the gap between income and housing costs. A quantitative survey of 151 households analyzed via descriptive statistics, factor analysis (KMO = 0.896), and PIR metrics. Five critical barriers emerged: policy gaps, financial constraints, market dynamics, limited awareness, and alternative preferences. The PIR revealed severe unaffordability (PIR > 5), with only homes priced ≤ $32,400 deemed accessible. Respondents strongly supported low-interest loans (<5%), affordable housing quotas (20%), and financial literacy programs. The study advocates for enforced policy interventions, developer mandates, and multi-sector collaboration, offering a replicable framework for rapidly urbanizing contexts. Findings align with global affordability strategies while addressing Cambodia-specific gaps in policy implementation and financial accessibility.
Faktor-faktor yang Memengaruhi Adopsi Mobile Banking pada Generasi Milenial (Survey pada Nasabah BNI Kantor Wilayah 02) Sartivana, Riri; Verinita Verinita; Dessy Kurnia Sari
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 7 No. 1 (2025): Jurnal Ekonomi Manajemen Sistem Informasi (September-Oktober 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v7i1.6262

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi adopsi mobile banking di kalangan generasi milenial, dengan studi kasus pada pengguna aplikasi Wondr oleh Bank Negara Indonesia (BNI) di Kantor Wilayah 02. Model penelitian ini mengadopsi kerangka Technology Acceptance Model (TAM) yang diperluas, dengan variabel utama yaitu Perceived Usefulness, Perceived Ease of Use, Perceived Risk, Personal Innovativeness, Attitude, dan Intention to Use. Pendekatan kuantitatif digunakan melalui penyebaran kuesioner kepada nasabah generasi milenial, dan data dianalisis menggunakan metode Partial Least Squares (PLS). Hasil penelitian menunjukkan bahwa Perceived Usefulness, Perceived Ease of Use, dan Personal Innovativeness berpengaruh positif terhadap Attitude dan Intention to Use, sementara Perceived Risk menunjukkan pengaruh negatif. Temuan ini memberikan implikasi strategis bagi perbankan, khususnya BNI, dalam merancang strategi digital marketing yang lebih adaptif dan responsif terhadap karakteristik milenial.
PENGARUH LIFESTYLE DAN LOCAL FOOD TERHADAP PEMILIHAN DESTINASI WISATA DI KOTA BUKITTINGGI Suci Agusti Wulandari; Verinita; Suziana
Journal Publicuho Vol. 8 No. 3 (2025): August - October - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v8i3.834

Abstract

This study aims to analyse the influence of lifestyle and local food on the selection of Bukittinggi as a tourist destination. The research employs Structural Equation Modelling (SEM) using SmartPLS 4.0 software with a sample of 213 domestic tourists from outside West Sumatra Province and not of Minangkabau ethnicity. The results show that both lifestyle and local food significantly influence the selection of a tourist destination. In other words, a destination is more likely to be chosen when there is alignment between tourists' lifestyles and the destination’s characteristics, along with authentic and accessible local food offerings. Therefore, it is necessary to develop innovative promotional strategies and improve the quality of local food presentation to increase tourist interest in visiting Bukittinggi and recommending it to others.
Co-Authors Ahmad, Faisal Ali Alfitman Alfitman Alfitman Alfitman Amelia Eka Putri Anissa Rianti Nurina Ansofino Ansofino Azman, Heru Aulia Bima Sakti Bintang Rizky Abdullah Majo Saibah Budi Rahmadya Chandra Syahputra Debi Mersah Putra Dessy Kurnia Sari Devi Yulia Rahmi Dhini Denisa Dhini Denisa Dio Ananta Putra Dio Ananta Putra Elsa Felina Effendi, Eri Besra ERI BESRA, ERI Erizal Erizal Esa Riawati Sujana Fadhillah Rizki Irza Fahmy, Rahmi Faisal, Ranny Fitriana Fanessa, Fanessa Fatma Poni Mardiah Fitri, Shafni Florentia Farahrozi Hadi Nasbey Hafiz Rahman Hakimi, Nurul Hardisman Harits, Muhammad Dzakwan El Harry Wahyudi Hartati Hartati Hasra Hijratul Adha Heny Hendrayati Heru Aulia Azman Husnul Khatimah Ika Barokah Suryaningsih Ilham Surya Vendri Indah Pertiwi, Julia Jauharry, Jauharry Jordy Arief Fachreza Khaira Ummah, Kuntum Laksono Trisnantoro Lenggogeni, Sari Lukman Lukman Lukman Lukman Ma'ruf Ma'ruf Marlina, Winny Alna Maruf Maruf Maruf Maruf Maruf Ma’ruf Melani Melani Melinda Noer Menghoung, Seng Meuthia, Meuthia Muhammad Abdul Hadi Muhammad Ilham Oloan Musbatiq Srivani Nazaruddin, Erizal Nelvia Iryani Nopriandi Nopriandi Nur Ari Sufiawan Prastiyo, Anggih Pratama, Mohamad Dito Prima Yulianti Pujangga, Della Sugesti Putri Habibah Rachmi Indrianti Rachmi Indrianti Rahayu, Rita Rahman, Heru Aulia Ranny Fitriana Faisal Ratni Prima Lita Rida Rahim Riko Erlima Putra Rima Semiarty Risma, Puja Saldi, Wardah Awwalin Sanda Patrisia Komalasari Sari Lenggogeni Sari Lenggogeni Sari Surya Sari, Dellani Mutia Sari, Dessy Kurnia Sartivana, Riri Setyawan, Caren Shafni Fitri Sheila Khairana Alandri Suci Agusti Wulandari Sulthan al Thoriq, Muhammad Suryatman Desri Susanto, Arnis Budi Susiana Susiana Suziana Suziana Suziana Suziana, Suziana Syafira, Tama Aulia Syafrizal Syafrizal Syaiful Anwar Syarif Hidayatullah Tedi Hidayat Tessa Desara Triani, Laura Amelia Usman, Nurul Afifah Vera Pujani Wati, Berlian Kurnia Weriantoni, Weriantoni Yanti Yanti Yefrinal Andra Yindrizal, Yindrizal Yomi Dwita Aprilia Yunfajri Rahma Nofiasari