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All Journal Jurnal Ekonomi : Journal of Economic Jurnal Keuangan dan Perbankan WIDYAKALA JOURNAL International Research Journal of Business Studies (E-Journal) Jurnal Pengabdian Masyarakat AbdiMas Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Ilmiah Manajemen Kesatuan Jurnal Cafetaria International Journal of Business, Law, and Education Golden Ratio of Finance Management Journal of Management and Digital Business Journal of Innovative and Creativity
Sapto Jumono
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Social Sciences Other

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Consumer behavior in e-Commercce: The role of ease, security, and price in purchase decisions on Tokopedia Tirta, Yonathan Harun; Jumono, Sapto; Abddurahman, Abddurahman; Jatmiko, Jatmiko
Journal of Management and Digital Business Vol. 4 No. 3 (2024): Journal of Management and Digital Business
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jmdb.v4i3.1296

Abstract

This study examines the influence of perceived price, perceived security, and perceived ease of use on consumer purchase decisions on the Tokopedia application. This quantitative study uses an online survey distributed via Google Forms, targeting 100 respondents who are new and active Tokopedia users in the East Cengkareng area. The data were analyzed using multiple linear regression. The findings suggest that perceived ease of use, perceived security, and perceived price significantly affect consumer purchase decisions on the Tokopedia platform. This research contributes to understanding how key factors like convenience, security, and pricing perceptions shape online consumer behavior in e-commerce platforms, specifically Tokopedia. The study's results provide insights for e-commerce businesses, particularly Tokopedia, to enhance user experience by focusing on ease of use, improving security measures, and offering competitive pricing to influence purchasing decisions effectively.
The Analysis of Typology Klaassen on Deposits and Credits at Regional Development Banks in Java and Bali Mala, Chajar Matari Fath; Jumono, Sapto
WIDYAKALA JOURNAL : JOURNAL OF PEMBANGUNAN JAYA UNIVERSITY Vol 12, No 1 (2025): Urban Lifestyle and Urban Development
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat UPJ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36262/widyakala.v12i1.1201

Abstract

The purpose of this study is to examine RDB (Regional Development Bank) performance in 6 provinces: Bali, DKI Jakarta, West Java and Banten, Central Java, East Java, and Yogyakarta from 2012 to 2022 using the Klaassen  Typology for evaluating banks by credit-to-deposit ratios and growth against provincial averages. Although regional development banks (RDBs) are crucial for regional economic development, previous studies have not provided a comparative framework to understand the disparity of credit and deposit growth between RDBs in different provinces. The result shows strong credit growth of Bank Bali without consistent, good credit management in Bank DKI while the deposits are not managed well, then Bank Jabar-Banten, which maintained the market share but lack of deposit strategy, while Bank Jateng still outperformed in most provincial growth, albeit at times, the growth is fluctuant, happened to Bank Jatim that shows inconsistent performance only to recover in recent years, and Bank DIY still achieved strong credit while poor in deposit. This study also suggests expanding the lending portfolios, looking for niche market opportunities, adopting financial technology, and having better credit distribution employments in line with regional economic growth along with better consumer education programs to improve the RDB performance. The results also help fill a research gap in structured performance evaluation for RDBs, and they help elucidate the need for tailored banking strategies that effectively sustain financial stability at the regional level.
Evaluating Financial Health in Indonesia's Infrastructure Sector: The Impact of Capital Structure, Liquidity, and Firm Size Simanungkalit, Royhisar Martahan; Anugrah, Faisal; Jumono, Sapto; Adhikara, Muhammad Fachruddin Arrozi; Munandar, Agus; Suharna, Jaka
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1059

Abstract

This study analyzes the effect of capital structure, liquidity, and company size on financial performance. In this study, there are three independent variables, namely capital structure as measured by DER, liquidity as measured by Current Ratio, and company size as measured by total assets, and one dependent variable, namely financial performance as measured by ROA. The object of this research is infrastructure sector companies listed on the Indonesia Stock Exchange from 2021 to 2023 using secondary data, namely the companies' financial statements. The sampling technique in this study used a purposive sampling technique, with the number of samples obtained being 32 companies for 3 years, making a total of 96 sample data points. This study uses multiple linear regression analysis methods by conducting hypothesis testing to see its effect on financial performance. The results showed that the capital structure and liquidity variables negatively affected financial performance, while the company size variable did not affect the company's financial performance. This research can also be a consideration for companies to optimize capital structure management and increase company liquidity. The combination of debt and equity will be able to maximize profitability. Decisions regarding the use of debt must consider the risks that may arise as well as the potential return on investment. Thus, the company can improve its financial performance and provide positive signals to investors.
Credit Risk Management via Capital Adequacy: Insights on Stability from Indonesia Regional Banks Mala, Chajar Matari Fath; Jumono, Sapto
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3175

Abstract

This study investigates the moderating role of Capital Adequacy Ratio on the relationship between Non-Performing Loans and core banking indicators Lerner Index, market share of loans, market share of deposits, technical efficiency, scale efficiency, and interest rate spread across two categories of Indonesian Regional Development Banks: undercapitalized (Category-1) and well-capitalized (Category-2). Using quarterly panel data from 24 Indonesian Regional Development Banks for the period 2012–2022 and estimated with Generalized Least Squares, the results show that Capital Adequacy Ratio significantly moderates the effect of Lerner Index, market share of deposits, and interest rate spread on Non-Performing Loans, strengthening risk absorption capacity in Category-2 banks. However, Capital Adequacy Ratio does not effectively mitigate risks arising from aggressive loan growth, particularly in Category-1 banks. Additionally, technical efficiency and scale efficiency reduce Non-Performing Loans only when capital buffers are adequate. These findings suggest that Capital Adequacy Ratio affects the risk–return trade-off differently across bank types, highlighting the importance of tailored regulatory frameworks and reinforcing the notion that capital adequacy must be supported by strong governance and operational efficiency to effectively manage credit risk.
INCOME DIVERSIFICATION, PROFITABILITY, AND RISK IN ISLAMIC BANKING IN INDONESIA Mala, Chajar Matari Fath; Jumono, Sapto; Lastro, Windarko; Iskandar, Yusuf
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.266

Abstract

This study investigates the factors that affect income diversification and the associated risk in Indonesian Islamic banking. Panel regression is used to examine the correlation between risk factors, including primary operating revenue, fee-based income, internal and external factors, and the profitability of Islamic banks. Panel regression analysis has been conducted on the data from 2012-2016 to determine the factors that affect profitability and risk. The results show that pretax profit, after-tax profit as a proportion of total assets, and after-tax profit as a percentage of total equity react differently to income diversification. According to the findings, an increase in profit before taxes can be expected as the number and diversity of a company's revenue streams continue to expand. This indicates that the financial health of Islamic banks improves when they have access to many revenue streams. Furthermore, the standard deviation of baseline income shows that diversifying sources of income has little effect on internal risk.
Pengaruh E-Wom, Information Adoption, Brand Image Terhadap Purchase Intention Pada Produk Skincare Glad2glow Di Shopee Anisya Suwardi; Sapto Jumono
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.3562

Abstract

Penelitian ini bertujuan untuk menganalisi pengaruh electronic word of mouth (e-wom), information adoption, dan brand image terhadap pengaruh purchase intention konsumen terhadap produk skincare Glad2Glow di platform Shopee. Latar belakang penelitian ini didasari oleh meningkatnya kesadaran konsumen terhadap perawatan kulit serta peran ulasan digital dalam pengambilan keputusan pembelian. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner online kepada 120 responden berusia 17-30 tahun yang berdomisili di Jakarta dan pernah melihat produk skincare Glad2Glow di Shopee. Analisis data menggunakan metode Structural Equation Modeling (SEM) dengan software SmartPLS. Hasil penelitian menunjukkan bahwa e- wom berpengaruh positif signifikan terhadap information adoption dan purchase intention, information adoption berpengaruh positif terhadap purchase intention, brand image juga berpengaruh positif terhadap pucrchase intention, serta information adoption memediasi hubungan antara e-wom dan purchase intention. Implikasi dari penelitian ini menunjukkan pentingnya strategi digital marketing yang berfokus pada kualitas e-wom, keakuratan informasi produk, serta penguatan brand image untuk meningkatkan minat beli konsumen.
Co-Authors Abddurahman, Abddurahman Abdurahman Abdurrahman Adhikara, Muhammad Fachruddin Arrozi Agus Munandar, Agus Angela, Michelle Anhar, Febri Anisya Suwardi Anugrah, Faisal DB Hakim, DB Hakim Dedi Budiman Hakim Eka Bertuah Erliza Noor Fadli, Jul Aidil Fathmala, Chajar Matari Imanuel Madea Sakti Jatmiko Jatmiko Kristina , Desi Laksono Trisnantoro LIA AMALIA M Firdaus, M Firdaus Mala, Chajar Matari Fath MF. Arrozi Adhikara Rahayu, Nurjannah Endah Royhisar Martahan Simanungkalit SL Hastirin Djulijanti SL Hastirin Djulijanti Solly Aryza Sri Handayani Sugiyanto - Suharna, Jaka TATI NURHAYATI Tirta, Yonathan Harun Windarko Windarko Yusuf Iskandar