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THE EFFECT OF PERCEIVED EASE OF USE ON INTENTION TO USE ON BANK SYARIAH INDONESIA MOBILE BANKING USERS IS MEDIATED BY E-TRUST AND RELIGIOSITY AS MODERATORS Dennis Shabri Alfani; Agung Yuniarto M.S; Radityo Putro Handrito
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 3 No. 4 (2023): August
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v3i4.1024

Abstract

The increase in smartphone users has driven customer demand for mobile banking services, so that many banks have offered innovative banking services to expand the reach of their customers who have accounts or those who do not have bank accounts. Banking is developing the use of mobile banking as a demand to meet the increasing transaction needs of individuals and companies. This is supported by advances in technology, especially cellular telecommunication. Research on "The Influence of Perceived Ease of Use on Behavioral Intention is mediated by E-Trust and Religiosity as moderators of Bank Syariah Indonesia mobile banking users" using a quantitative approach. This study explains the influence between Perceived ease of use on behavioral intention with religiosity and trust as mediating variables. This study uses the PLS analysis technique. Based on the findings of this study, it has been found that religiosity as measured by belief, experiential, considering the benefit of using a product, and carrying out activities in accordance with Islamic teachings is confirmed not to affect customer confidence in the intention to use BSI Mobile. The results of this study also show that perceived ease of use has a significant or important impact on behavioral intention through e-trust. The impact of e-trust mediation is complete mediation. When the perceived ease of use offered by BSI is assessed as lacking by the user, the user will not use the application. Therefore it is bridged by the mediating effect of the e-trust variable. In this case BSI must be able to guarantee all the security and personal data of customers, maintain the credibility of the company and reach and realize the positive expectations of its users for BSI Mobile. Perceived Ease of Use on Behavioral Intention through E-Trust. E-Trust has a partial mediation role on the effect of Perceived ease of use on behavioral intention. It means, perceived ease of use can influence behavioral intention directly or indirectly through trust. Banking mobile banking application providers need to improve strategies in increasing customer trust in BSI Mobile so that there will be continuous use of the application system.
Analysis of the Effect of Financial Performance Before and After the Implementation of the Harmonization of Tax Regulations Negara, Noor Adi Sukma; Handrito, Radityo Putro
Jurnal Management Risiko dan Keuangan Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.3.09

Abstract

The objective of this research is to analyze the effects of financial performance based on the aspects of liquidity (current ratio), activity (receivable turnover and inventory turnover), solvability (debt-to-equity ratio and return on equity), and profitability (operating profit margin and net profit margin) before and after the application of Tax Regulation Harmonization Law (UU HPP) in cigarette subsector companies listed on the IDX. This quantitative study uses secondary data in the form of the financial statements of five companies from 2021 to 2022 published in the Indonesia Stock Exchange. The results of the statistical descriptive analysis performed in IBM SPSS version 24 indicate that the aspects of liquidity (current ratio), activity (receivable turnover and inventory turnover), solvability (debt-to-equity ratio and return on equity), and profitability (operating profit margin and net profit margin) have no significant impact after the application of the Tax Regulation Harmonization Law (UU HPP).
Strategic Business Plan Development for A Sawn Timber Trading Company: An Internal-External Analysis and Investment Feasibility Approach Kurnianto, Anton; Handrito, Radityo Putro
Jurnal Kewirausahaan dan Inovasi Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jki.2025.04.4.02

Abstract

The sawn timber market, especially on Java, holds significant potential as the island is the center of the manufacturing industry with high demand for sawn timber products. This condition has driven PD Terus Jaya, a trading company specializing in sawn timber, to expand its business as a supplier of sawn timber for various needs. This qualitative descriptive study aims to formulate an appropriate business plan for the company. The company’s internal and external conditions were examined in-depth, including its challenges and potential. The data was collected through three methods: interviews, observations, and document studies. The BMC analysis was used as a foundational guide to formulate relevant strategies for product/service, marketing, operations, organization, and finance plannings. The results indicate that PD Terus Jaya is feasible for development based on the five analyzed investment feasibility criteria. The company is advised to promptly implement the formulated business plan to strengthen its position as a sawn timber supplier.
Business Feasibility Analysis to Enhance the Competitiveness through a Business Development Strategy Ghossa, Inez Shabrina; Handrito, Radityo Putro
Jurnal Kewirausahaan dan Inovasi Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jki.2025.04.4.04

Abstract

The growing competition in the motorcycle spare parts market pushes small businesses to keep innovating if they want to survive and expand. Without clear strategies, many risk stagnation or losing ground to competitors. This study explores the business feasibility of Putri Jaya Motor Go Solution as a way to boost competitiveness and design a more structured business plan. The store, located in the Karangduren Village market, offers spare parts from multiple brands but continues to face challenges such as limited promotion, lack of service differentiation, and operational inefficiencies. To overcome these issues, a new service model is introduced that allows customers to order via WhatsApp and receive direct delivery. Using descriptive qualitative methods through observation and document analysis, the research finds that the model is financially feasible, generating promising profits with relatively low risk. The findings highlight practical lessons for small businesses in adopting digital-based services and stress the role of technology and customer-oriented strategies in driving long-term growth.
Examining Alternative Attractiveness Effects on Brand Trust-Loyalty Relationship in Samsung Users Prabawa, Dewa Made Surya; Handrito, Radityo Putro
Jurnal Manajemen Pemasaran dan Perilaku Konsumen Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmppk.2025.04.1.14

Abstract

The Indonesian smartphone market has a promising future, but intense competition has led to a decline in Samsung's market share and brand index. Other attractive brands, such as Apple and Chinese-made smartphones, have contributed to this decline. To maintain success, customer loyalty is crucial. The objective of this research is to identify the effects of customer satisfaction on the loyalty of Samsung smartphone users in Indonesia through the mediation of brand trust and the moderation of alternative attractiveness. This explanatory research elucidates the causal relationship between its variables through hypothesis testing. Using purposive sampling technique with the criteria of Samsung smartphone user with the minimum age of seventeen years, 321 people were selected as the respondents. The results of the data analysis performed in SEM PLS 4.0 suggest that customer satisfaction directly has a significant influence on the formation of brand trust and loyalty, and that brand trust directly and significantly affects loyalty. Furthermore, customer satisfaction significantly influences loyalty through brand trust, while alternative attractiveness does not significantly moderate the relationship between brand trust and loyalty. This finding indicates that Samsung customers who trust the brand due to satisfaction are less likely to be attracted to alternative smartphone brands.
Skincare Branding Strategy: Social Media Marketing, Celebrity Endorsers, and Brand Identity Angela Evlyn; Handrito, Radityo Putro
Jurnal Manajemen Pemasaran dan Perilaku Konsumen Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmppk.2025.04.2.18

Abstract

The objective of this quantitative explanatory research is to identify the effects of social media marketing, celebrity endorser, and brand identity on the brand image of Skintific skincare. Using non-probability sampling method and purposive sampling technique, 410 Millennials and Generation Z with the minimum age of 18 years who know about the skincare brand and have accessed information about it, irrespective of whether they purchase the product, were selected as the respondents. The acquired data was analyzed through multiple linear regression in SPSS 29. The results demonstrate that social media marketing does not influence the brand image, that celebrity endorser positively and significantly affects the brand image, and that brand identity positively and significantly influences the brand image.
The Effect Of E-Service Quality on Repurchase Intention With E-Customer Satisfaction as An Intervening Variable Putranto, Ahnaf Raka; Handrito, Radityo Putro
Jurnal Manajemen Pemasaran dan Perilaku Konsumen Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmppk.2025.04.3.10

Abstract

The objective of this research is to assess the effects of e-service quality on the repurchase intention of Tokopedia e-commerce users in Jawa with e-customer satisfaction as the intervening variable. In this explanatory study, hypotheses related to various variables were tested to determine any causal relationship. The data was harvested via online questionnaires distributed to 312 respondents and was examined through Partial Least Squares in Smart PLS 4.0. The results suggest that e-service quality significantly influences repurchase intention, that e-service quality significantly affects e-customer satisfaction, and that e-customer satisfaction mediates the impacts of e-service quality on the repurchase intention of Tokopedia e-commerce users in Jawa.
Investigating Repurchase Intention Through Perceived Value and Pricing Sensitivity Ismatullah, Azka Dani; Handrito, Radityo Putro
Jurnal Manajemen Pemasaran dan Perilaku Konsumen Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmppk.2025.04.4.06

Abstract

The increasing competition in the digital game store industry, driven by technological advancements, encourages companies to develop effective marketing strategies by first understanding the factors that influence user loyalty. This explanatory quantitative study aims to analyze and explain the effect of perceived value on repurchase intention among digital game store users in Indonesia, with price sensitivity as a moderating variable. The sample was selected using a non-probability sampling method with purposive sampling technique, acquiring 222 respondents. The respondents were users of Steam and/or Epic Games Store, residing in Indonesia, aged at least 18 years, and had made purchases through these platforms. The data were analyzed through hierarchical regression analysis using IBM SPSS version 26. The results show that perceived value has a positive and significant effect on repurchase intention. However, price sensitivity does not significantly affect repurchase intention, and it does not moderate the effect of perceived value on repurchase intention.