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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

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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

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Purpose – This study aims to analyze differences in the financial performance of cigarette subsector companies before and after the implementation of the Tax Regulation Harmonization Law (UU HPP), based on liquidity, activity, solvency, and profitability ratios.     Design/methodology/approach – This quantitative study uses secondary data from the financial statements of five cigarette subsector companies listed on the Indonesia Stock Exchange for the 2021–2022 period. Financial performance was evaluated using the current ratio, receivable turnover, inventory turnover, debt-to-equity ratio, return on equity, operating profit margin, and net profit margin. Data were analyzed using descriptive statistics with IBM SPSS version 24.   Findings – The results indicate that the implementation of the Tax Regulation Harmonization Law (UU HPP) does not lead to significant changes in liquidity, activity, solvency, or profitability. None of the examined financial ratios show a statistically significant difference before and after the enactment of the regulation.   Originality/value  – This study provides empirical evidence on the short-term financial impact of the Tax Regulation Harmonization Law (UU HPP) on Indonesia’s cigarette subsector, contributing to the literature on taxation policy and corporate financial performance.
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

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Purpose – This study aims to formulate an appropriate business plan for PD Terus Jaya to strengthen its competitiveness and support business expansion as a supplier of sawn timber products in response to increasing market opportunities. Design/Methodology/Approach – This study employs a qualitative descriptive approach. Data were collected through interviews, observations, and document studies. The company’s internal and external conditions were analyzed, and the Business Model Canvas (BMC) was applied as a foundation for developing strategies related to product/service, marketing, operations, organization, and financial planning. Findings – The results indicate that PD Terus Jaya is feasible for business development based on five analyzed investment feasibility criteria. The formulated business plan is recommended for immediate implementation to strengthen the company’s position as a sawn timber supplier and to take advantage of growing market demand. Originality/Value This research provides value by applying the Business Model Canvas to formulate an integrated business plan for a sawn timber trading company, offering strategic guidance that supports feasible investment decisions and sustainable business expansion.
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

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Purpose – This study aims to analyze the business feasibility of Putri Jaya Motor Go Solution to improve competitiveness and develop a more structured business plan in response to increasing competition in the motorcycle spare parts market. Design/Methodology/Approach – The results indicate that the proposed service model is financially feasible, generating promising profits with relatively low risk. The implementation of digital-based services, particularly WhatsApp ordering and direct delivery, can help overcome promotional limitations, improve service differentiation, and enhance operational efficiency. Findings – This study provides practical insights into how small businesses in the motorcycle spare parts sector can adopt digital-based service innovations and customer-oriented strategies to strengthen competitiveness. The findings offer a business development reference for MSMEs seeking sustainable growth through technology utilization and improved service models. Originality/Value This research provides value by assessing the feasibility of an innovative WhatsApp-based ordering and delivery model, offering practical insights into how small repair and spare parts businesses can leverage technology to enhance service quality, efficiency, and long-term competitiveness.
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

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  Purpose – This study aims to examine the effect of customer satisfaction on the loyalty of Samsung smartphone users in Indonesia, with brand trust as a mediating variable and alternative attractiveness as a moderating variable.    Design/methodology/approach – This study employs an explanatory research design to investigate the causal relationships among customer satisfaction, brand trust, alternative attractiveness, and customer loyalty. Using a purposive sampling technique, data were collected from 321 Samsung smartphone users aged at least 17 years. The proposed research model was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 to evaluate the direct, indirect, and moderating effects.   Findings – The results indicate that customer satisfaction has a positive and significant direct effect on both brand trust and customer loyalty. Brand trust also has a positive and significant effect on customer loyalty and mediates the relationship between customer satisfaction and loyalty. However, alternative attractiveness does not significantly moderate the relationship between brand trust and customer loyalty. These findings suggest that satisfied customers who develop strong trust in the Samsung brand tend to remain loyal despite the availability of competing smartphone brands.   Originality/value – This study contributes to the customer loyalty literature by integrating mediation and moderation mechanisms to explain loyalty formation in the smartphone industry. It highlights the mediating role of brand trust and demonstrates that alternative attractiveness does not weaken the relationship between brand trust and loyalty, providing practical insights for smartphone manufacturers seeking to strengthen long-term customer retention.
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

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  Purpose – This study aims to examine the effects of social media marketing, celebrity endorser, and brand identity on the brand image of Skintific skincare among Millennials and Generation Z consumers.   Design/methodology/approach –  This study employs a quantitative explanatory research design. The sample consists of 410 respondents from Millennials and Generation Z aged at least 18 years who are familiar with the Skintific brand and have accessed related information, regardless of purchase experience. Respondents were selected using a non-probability purposive sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics 29.   Findings – The results indicate that social media marketing does not have a significant effect on brand image, while celebrity endorser and brand identity have positive and significant effects on brand image. These findings suggest that consumer perception of Skintific is more strongly shaped by brand identity consistency and celebrity endorsement than by general social media marketing activities.   Originality/value – This study offers originality by simultaneously examining social media marketing, celebrity endorsers, and brand identity as predictors of brand image specifically for Skintific, a rapidly growing skincare brand. The findings provide valuable insights by revealing which elements meaningfully shape brand image, guiding companies in designing more effective branding strategies.
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

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Purpose – This study aims to examine the effect of e-service quality on the repurchase intention of Tokopedia e-commerce users in Java, with e-customer satisfaction serving as an intervening variable.   Design/methodology/approach –  This study employs a quantitative explanatory research design to test the causal relationships among e-service quality, e-customer satisfaction, and repurchase intention. Data were collected through online questionnaires from 312 Tokopedia users in Java and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0.   Findings – The results indicate that e-service quality has a positive and significant effect on repurchase intention and e-customer satisfaction. Furthermore, e-customer satisfaction significantly mediates the relationship between e-service quality and repurchase intention. These findings suggest that improving online service quality enhances customer satisfaction, which subsequently encourages repeat purchases.   Originality/value – This study contributes to e-commerce and digital service literature by demonstrating the mediating role of e-customer satisfaction in the relationship between e-service quality and repurchase intention. The findings provide practical implications for e-commerce platforms in improving digital service quality to strengthen customer satisfaction and long-term customer retention.
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

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Purpose –   This study aims to analyze the effect of perceived value on repurchase intention among digital game store users in Indonesia, with price sensitivity as a moderating variable.   Design/methodology/approach –  This research employs a quantitative explanatory design. The sample consists of 222 respondents selected through non-probability purposive sampling, including users of Steam and/or Epic Games Store who are at least 18 years old, reside in Indonesia, and have made purchases on these platforms. Data were analyzed using hierarchical regression analysis with IBM SPSS version 26.   Findings – The results indicate that perceived value has a positive and significant effect on repurchase intention. However, price sensitivity does not have a significant effect on repurchase intention and does not moderate the relationship between perceived value and repurchase intention.   Originality/value – This study contributes to digital consumer behavior literature by examining the role of perceived value and price sensitivity in shaping repurchase intention within digital game distribution platforms.
Formulasi Model Bisnis dan Integrasi Tata Kelola Pemasaran Destinasi sebagai Inisiator Transformasi Ekowisata Desa Ngrayudan Ismail, Taufiq; Irawan, Ari; Pariasa, Imaniar Ilmi; Handrito, Radityo Putro; Barinta, Dunga Dwi
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 4.1 (2025): SPESIAL ISSUE DESEMBER
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar

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Program Pengabdian kepada Masyarakat (PkM) ini dilaksanakan di Desa Ngrayudan, Kabupaten Ngawi, periode Agustus-Oktober 2025 dengan melibatkan 25 pengurus BUMDesa dan Pokdarwis. Program bertujuan memperkuat kapasitas manajerial BUMDesa serta menginisiasi transformasi tata kelola ekowisata berbasis komunitas. Permasalahan utama yang dihadapi adalah rendahnya kemampuan manajerial (pretest rata-rata 46), belum tersedianya prosedur operasional baku, serta lemahnya identitas dan strategi pemasaran destinasi. Kegiatan menggunakan pendekatan Community-Based Participatory (CBP) melalui empat tahapan: asesmen kebutuhan, pelatihan manajerial (model bisnis, keuangan, SOP, pemasaran digital), pendampingan teknis, dan evaluasi menggunakan pre-test dan post-test (skala 0-100). Hasil kegiatan menunjukkan peningkatan signifikan pada pemahaman dan keterampilan pengelola dengan nilai posttest rata-rata 78 (peningkatan 70%), serta terwujudnya empat dokumen SOP (2 diimplementasikan), prototipe website berbasis CMS, logo dan company profile untuk 3 objek wisata, serta tiga paket wisata berbasis potensi lokal (eco-trekking, family camping, agro-edu tourism). Tingkat partisipasi peserta mencapai 96% dengan kepuasan program 4.2/5. Program ini berhasil menegaskan bahwa kombinasi pelatihan praktis, pendampingan lapang, dan kolaborasi masyarakat mampu mendorong kemandirian BUMDesa menuju tata kelola destinasi ekowisata yang berkelanjutan.
Empowering Entrepreneurial Teams through Shared Leadership: Insights from Indonesia's Entrepreneurship Programs Andika; Radityo Putro Handrito; Ana Sofia Aryati
Jurnal Ilmiah Administrasi Publik Vol. 12 No. 1 (2026): Jurnal Ilmiah Administrasi Publik (JIAP)
Publisher : Badan Penerbitan Jurnal (BPJ) FIA-UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jiap.2026.012.01.2

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This study examines the impact of shared leadership on entrepreneurial team performance. Based on Social Exchange Theory (SET), we investigate the role of shared leadership in enhancing team performance through team trust and team creativity as mediators. Data were collected from 71 entrepreneurial teams, consisting of 306 members and 73 supervisors, through a combined online and offline survey. Using Smart PLS 3.0, the aggregate data were analyzed at the team level within a mediation framework. The findings indicate that shared leadership significantly enhances team performance, with trust and creativity playing a partial mediating role. This study contributes to the literature by highlighting team creativity as a new mediator and utilizing dyadic data to reduce bias. The results of this study emphasize the importance of fostering trust and creativity to enhance team effectiveness, offering valuable implications for strengthening entrepreneurship programs in Indonesia and achieving sustainable success