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Diseminasi Pengelolaan Keuangan Rumah Tangga: Perencanaan Pensiun Farida Komalasari; Eko Ganiarto
ACADEMICS IN ACTION Journal of Community Empowerment Vol 2, No 2 (2020)
Publisher : President University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33021/aia.v2i2.1065

This community empowerment activity is intended to improve people awareness in financial household management, especially in retirement planning. By doing a good retirement planning, it is expected that people will have a good quality of life during their retirement. This activity is also intended to increase households’ financial literacy. This activity was done at Sunday, 3 November 2019 at 4-6pm, participated by 18 members of Komunitas Ibu RT 09 RW 03 Kelurahan Dukuh Kecamatan Kramat Jati Jakarta Timur. Lecturing, true or fals, guided teaching, question & answer, simulation and discusion were used along this activity. All participants were actively following the all program, from the beginning to the end of session. Questions and opinions from participants show their awareness on the importance of retirement planning. At the end of session, the participants agreed that having a good retirement planning before entering the retirement period is important. Retirement planning is needed to reach a good wealth during the retirement. The problem is that they do not have an enough knowledge to make a good retirement planning. Therefore, a guidance and help are needed to increase their financial literacy, especially in composing a retirement plan. Some topics that could be delivered to them in the future are introducing investment instruments and selecting a Financial Institution Pension Fund.

DETERMINANT FACTORS OF INDONESIAN MILLENNIALS’ REVISIT INTENTION: A CASE OF LABUAN BAJO Farida Komalasari; Eko Ganiarto
FIRM Journal of Management Studies Vol 4, No 2 (2019): FIRM JOURNAL OF MANAGEMENT STUDIES
Publisher : President University

In an effort to increase the number of foreign tourists to Indonesia, the government has set Labuan Bajo as one of the four priority tourist destinations, in addition to Lake Toba, Borobudur and Mandalika. Of the four priority areas, Labuan Bajo is the region with the least number of tourist visits, even though Labuan Bajo has its own uniqueness with its Komodo (giant lizard). Therefore a study of the determinants of revisit to Labuan Bajo, especially for millennial groups, is needed. The main purpose of this study is to determine the determinants factors of the revisit intention of the Indonesian millenials to Labuan Bajo. This research is a quantitative study by interviewing 155 respondents of millennial visitors to Labuan Bajo, who were selected by snowball sampling. The research data was processed and analyzed using the SEM (Stuctural Equation Model) model. The results of the study show that new experiences, new knowledge (push factors), historical values, local values and travelling values (pull factors) influence the destination satisfaction. Furthermore, the destination satisfaction affected the revisit intention to Labuan Bajo.Keywords: push factors, pull factors, tourist satisfaction, revisit intention, Labuan Bajo

FACTORS INFLUENCING INDONESIAN MILLENIALS’ TRAVEL DECISION: A CASE OF BANGKOK Farida Komalasari; Eko Ganiarto
FIRM Journal of Management Studies Vol 5, No 2 (2020): FIRM JOURNAL OF MANAGEMENT STUDIES
Publisher : President University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33021/firm.v5i2.1029

The number of Indonesian millenials visiting Bangkok is increase year by year. There must be a strong reason, why Indonesian millenials decide to visit Bangkok. This research aims to find out the factors influencing Indonesian millenials’ travel decision to visit Bangkok. The push and pull travel motivations theory are used to develop the research framework. A quantitative research with primary data collected by using a questionnaire is done. The data analysis used in this research is linear regression. There are two models, multiple linear regression and simple linear regression. A multiple linear regression is used to find out the factors of traveler satisfaction, while a simple linear regression is used to find out the influence of traveler satisfaction toward travel decision. The result shows that there are five push factors and five pull factors influencing traveler satisfaction, and at the end, traveler satisfaction influences travel decision. The five push factor are knowledge and culture, friendship, social status, sightseeing, and new experience. Meanwhile the five pull factors are local values, destinations features, historical values, cultural values, and outdoor attraction. Relaxation, as a part of push factor, does not influence traveler satisfaction.Keywords: Push and Pull Travel Motivations, Traveler Satisfaction, Travel Decision,Indonesian Millenial, Bangkok

NOVICE INVESTOR BEHAVIOR IN INDONESIA STOCK EXCHANGE: A COMPARATIVE STUDY BEFORE AND DURING COVID-19 PANDEMIC Eko Ganiarto; Farida Komalasari; Lucia Elshadai Lastria Monita Manik
FIRM Journal of Management Studies Vol 6, No 1 (2021): FIRM JOURNAL of MANAGEMENT STUDIES
Publisher : President University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33021/firm.v6i1.1441

Investor pemula mempunyai peran penting dalam perekonomian Indonesia. Jumlah investor pemula menunjukkan peningkatan yang signifikan. Mempelajari perilaku para investor pemula merupakan hal yang menarik, mengingat segala aktivitas mereka pada akhirnya akan mempengaruhi investasi dan perekonomian secara keseluruhan. Tujuan studi ini adalah menentukan faktor-faktor apa saja yang mempengaruhi perilaku investasi para investor pemula dan melihat apakah ada perbedaan perilaku berinvestasi para investor pemula antara, baik saat sebelum Ppandemi Ccovid-19 dan selama Ppandemi Ccovid-19. Studi ini merupakan penelitian kuantitatif, yang mengimplementasikan teori perilaku terencana (the theory of planned behavior) dengan mewawancarai 234 investor pemula di Bursa Efek Indonesia sebagai (responden) yang dipilih dengan metode purposive sampling. Variabel yang digunakan meliputi : sikap investor terhadap investasi (attitude toward investment), norma subjektif dalam berinvestasi (subjective norm in investing), dan persepsi pengendalian perilaku dalam berinvestasi (perceived behavioral control in investing) sebagai variabel independen. Sementara niat berinvestasi (investing intention) dan perilaku berinvestasi (investing behavior) sebagai variabel dependen. Data diolah dan dianalisis dengan menggunakan model SEM ( Stuctural Equation Modelling (SEM)). Hasil studi menunjukkan bahwa pada masa Ppandemi Ccovid-19, sikap investor, norma subjektif, dan persepsi pengendalian perilaku, berpengaruh pada niat berinvestasi investor pemula. Sementara pada saat sebelum Ppandemi Ccovid-19, norma subyektif tidak berpengaruh pada niat berinvestasi. Selanjutnya, pada kedua periode tersebut(sebelum dan selama pandemi covid-19), niat berinvestasi mempengaruhi perilaku berinvestasi investor pemula.

The Difference in Perceived Risk by Gender Among Novice Investors: before and during Covid-19 Pandemic Eko Ganiarto; Farida Komalasari
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 6, No. 1, March 2022
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v6i1.73-88

Understanding of risk is very important for investors, especially for novice investors. Their perception about risk, whether for male or female novice investor is interesting to study. Likewise, in the current Covid-19 pandemic situation, analyzing the differences in the perceived risk between the two is interesting also to do, since it determines their investment behavior. At the end, their investment behavior will affect the economic condition. This quantitative study aims to know whether there are any differences in perception of investment risk between male and female novice investors, both before and during the Covid-19 pandemic. Beside that, this study also examines the interaction between gender and other demographic factors (age, education, occupation and income) to differentiate perceived risk, both before and during Covid-19 pandemic. The perceived risk variable used in this study was measured using five statement indicators. Data were obtained from 299 novice investor respondents in the Indonesian Stock Exchange in 2020, then processed and analyzed using the paired t-test for the mean difference method. The results showed that there were differences in perceived risk between male and female investors in the period before the Covid-19 pandemic. Meanwhile, during the Covid-19 pandemic, there was no difference between the two. Beside that there was a difference in perceived risk of male/female between before and during the Covid-19 pandemic. Meanwhile, age and occupation were the factors that differentiate perceived risk, especially before Covid-19 pandemics, while education, and income are not.

The influence of demographic factors on online loan decision Eko Ganiarto
Proceeding of the International Conference on Family Business and Entrepreneurship 2022: Proceeding of 6th International Conference on Family Business and Entrepreneurship
Publisher : President University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33021/icfbe.v3i1.3815

Knowing the factors that influence the decision to use online loan services, especially demographic factors, is very important for online loan service providers. Thus, online loan service providers will be more focused and effective in offering their services to prospective customers. This quantitative study aims to know the influence of demographic factors on online loan decisions. The online loan decision as the dependent variable used in this study was measured by using seven statement indicators. Meanwhile, the demographic factors as independent variables consist of gender, age, education, occupation, and income. Data were obtained from 382 respondents in the Central Java area through online questionnaires, then processed and analyzed using the regression analysis. The results showed that: (1) the influence on using online loans for the female is less than males; (2) The baby boomer generation (oldest age group) has the higher influence on using online loans than other generations; (3) People with SMP/Junior High School education have the higher influence on using online loans compared to other education groups; (4) Housewives have the higher influence on using online loans compared to another occupation group; (5) people who have income between Rp 5,000,000 - Rp 7,499,999 has the higher influence on using online loans compared to other income groups. Thus, online loan service providers must be more selective and focus on marketing their services, using demographic information/data from potential customers, such as male customer, baby boomer generation, housewives, people with SMP education, and People who has income between Rp 5,000,000 – Rp 7,500,000.

The Difference in Perceived Risk by Gender Among Novice Investors: before and during Covid-19 Pandemic Eko Ganiarto; Farida Komalasari
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 6, No. 1, March 2022
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v6i1.73-88

Understanding of risk is very important for investors, especially for novice investors. Their perception about risk, whether for male or female novice investor is interesting to study. Likewise, in the current Covid-19 pandemic situation, analyzing the differences in the perceived risk between the two is interesting also to do, since it determines their investment behavior. At the end, their investment behavior will affect the economic condition. This quantitative study aims to know whether there are any differences in perception of investment risk between male and female novice investors, both before and during the Covid-19 pandemic. Beside that, this study also examines the interaction between gender and other demographic factors (age, education, occupation and income) to differentiate perceived risk, both before and during Covid-19 pandemic. The perceived risk variable used in this study was measured using five statement indicators. Data were obtained from 299 novice investor respondents in the Indonesian Stock Exchange in 2020, then processed and analyzed using the paired t-test for the mean difference method. The results showed that there were differences in perceived risk between male and female investors in the period before the Covid-19 pandemic. Meanwhile, during the Covid-19 pandemic, there was no difference between the two. Beside that there was a difference in perceived risk of male/female between before and during the Covid-19 pandemic. Meanwhile, age and occupation were the factors that differentiate perceived risk, especially before Covid-19 pandemics, while education, and income are not.

Analyzing brand identity in the sustainable skincare industry: Study case of Keina Beauty I Gusti Ayu Komang Triana Gyshela; Eko Ganiarto
Review of Management, Accounting, and Business Studies Vol. 6 No. 1 (2025)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/revenue.v6i1.6147

In the competitive beauty industry, effective branding is critical for differentiation and long-term success, especially as consumers increasingly demand sustainable and ethical products. This study examines how Keina Beauty, an eco-friendly skincare brand, can enhance its brand identity to gain a competitive advantage in the beauty industry. The research question focuses on identifying the strategic modifications required to strengthen branding and better align with target customer segments. A qualitative approach was employed, integrating analyses using frameworks such as PESTLE, Porter’s Five Forces, Value Chain, SWOT, Cause and Effect Diagrams, and Business Model Canvas. The results reveal that inconsistent branding, misaligned customer segmentation, and operational inefficiencies are critical challenges facing the company. These findings indicate that the lack of a unified brand identity and strategic digital marketing hampers consumer engagement and market differentiation. The discussion highlights the potential benefits of standardizing visual elements, refining digital and influencer marketing strategies, and enhancing customer service practices to create a coherent and appealing brand image. Conclusively, by implementing targeted strategies to streamline brand elements and improve customer interactions, Keina Beauty can secure sustainable growth and strengthen its market position in a competitive environment.

Determinants of Behavioral Intention and Use Behavior in Islamic Mobile Banking Adoption Chandra Setiawan; Eko Ganiarto; Pandu Adi Cakranegara
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 2 (2026): June 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i2.4492

The rapid growth of digital banking has encouraged Islamic banks to improve mobile banking services, yet the factors driving users’ intention and actual use remain inconsistent across technology adoption studies. This study aims to analyze the determinants of behavioral intention and use behavior in adopting Bank BCA Syariah mobile banking by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) with trust and application quality. A quantitative cross-sectional design was applied using survey data from 139 active BCA Syariah mobile banking users. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) through SmartPLS. The results show that performance expectancy, effort expectancy, social influence, and trust do not significantly affect behavioral intention, with p-values above 0.05. Application quality has a positive and significant effect on behavioral intention (b = 0.406, p = 0.009), while facilitating conditions (b = 0.429, p 0.001) and behavioral intention (b = 0.410, p 0.001) significantly influence use behavior. Behavioral intention also partially mediates the relationship between application quality and use behavior. These findings imply that Islamic mobile banking adoption is driven mainly by application quality and facilitating conditions rather than traditional perception-based adoption factors.

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