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<![CDATA[Analisis Risiko Kredit Likuiditas dan Tingkat Suku Bunga Terhadap Profitabilitas Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Tahun 2019-2023 ]]>
<![CDATA[Guntama, Resta]]>;
<![CDATA[Lestari, Winda Rika]]>
<![CDATA[ GEMA : Jurnal Gentiaras Manajemen dan Akuntansi Vol 16 No 2 (2024): GEMA: Jurnal Gentiaras Manajemen dan Akuntansi ]]>
Publisher : <![CDATA[Lembaga Penelitian, dan Pengabdian Kepada Masyarakat (LPPM) STIE GENTIARAS Bandar Lampung dan berkolaborasi dengan Ikatan Akuntan Indonesia Kompartemen Akuntan Pendidik (IAI KAPd) ]]>
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DOI: 10.47768/gema.v16i2.202406
<![CDATA[Salah satu indikator untuk melihat baik atau buruk kinerja suatu bank dapat dilihat dari analisis profitabilitasnya. Profitabilitas merupakan rasio keuntungan untuk mengukur seberapa besar tingkat keuntungan yang diperoleh perusahaan. Kriteria yang ditetapkan Bank Indonesia mengenai tingkat kesehatan faktor earning yaitu ROA > 1,5%. Faktor yang dapat mempengaruhi profitabilitas suatu bank yaitu Non Performing Loan (NPL). Financing to Deposit Ratio (FDR) dan BI Rate. Hasil analisis Risiko Kredit (NPL) terjadi pengaruh negatif dan signifikan terhadap Return On Asset (ROA). Secara Parsial, Financing to Deposit Ratio (FDR) tidak berpengaruh terhadap Return On Asset (ROA). Suku Bunga (BI Rate) tidak berpengaruh positif dan signifikan terhadap Return On Asset (ROA).]]>
<![CDATA[KUALITAS E-SERVICE: DAMPAKNYA PADA KEPUASAN DAN LOYALITAS PELANGGAN (STUDI KASUS M-BANKING BANK BRI BANDAR LAMPUNG) ]]>
<![CDATA[Farisi, Salman Al]]>;
<![CDATA[Lestari, Winda Rika]]>
<![CDATA[ JURNAL ILMIAH EDUNOMIKA Vol 8, No 4 (2024): EDUNOMIKA ]]>
Publisher : <![CDATA[ITB AAS Indonesia Surakarta ]]>
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DOI: 10.29040/jie.v8i4.15489
<![CDATA[This research aims to determine the influence of E-Service Quality on customer satisfaction and its impact on Customer Loyalty of Bank BRI Mobile Banking (m-banking) users in Bandar Lampung. The type of research used is associative with a quantitative approach. The population in this research is BRI Bank customers who use the BRImo application. The type of sampling used in this research is a nonprobability sampling method using a purposive sampling technique. The data analysis method used is Smart PLS 4.0 analysis. The research results show that; 1) Customer Satisfaction is not positively influenced by Efficiency; 2) Customer Satisfaction is not positively influenced by Pulfilmment; 3) Customer Satisfaction is positively influenced by Privacy; 4) Customer Satisfaction is positively influenced by Responsiveness; 5) Customer Satisfaction is not positively influenced by Contact; 6) Customer Satisfaction is not positively influenced by Website Design; and 7) Customer satisfaction has a positive influence on customer loyalty. Keywords : E-Service Quality, Customer Loyalty, Customer Satisfaction]]>
<![CDATA[PENGEMBANGAN UMKM BERBASIS DIGITAL DI METRO TIMUR PROVINSI LAMPUNG ]]>
<![CDATA[Fionita, Ita]]>;
<![CDATA[Pranyoto, Edi]]>;
<![CDATA[Susanti]]>;
<![CDATA[Winda Rika Lestari]]>;
<![CDATA[Albert, Albert]]>
<![CDATA[ Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 1 No. 4 (2024): Desember ]]>
Publisher : <![CDATA[Yayasan Nuraini Ibrahim Mandiri ]]>
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DOI: 10.70248/jpmebd.v1i4.1892
<![CDATA[Permasalahan dan kesulitan yang dihadapi oleh UMKM yaitu pemasaran produk yang masih dilakukan secara langsung dan konvensional tanpa menggunakan digitalisasi, sehingga membatasi ruang lingkup pemasaran. Selain itu, kurangnya Standar Operasional Prosedur (SOP) yang jelas membuat proses bisnis menjadi kurang terstruktur dan efisien. Metodologi yang digunakan meliputi pelatihan penerapan pemasaran digital melalui blog dan media sosial, serta pengembangan laporan keuangan menggunakan Excel. Selain itu, SOP disusun untuk meningkatkan efisiensi operasional. Hasil pengabdian menunjukkan peningkatan signifikan dalam jangkauan pasar, struktur operasional, dan manajemen keuangan. Upaya pemasaran digital, terutama melalui media sosial dan pengembangan situs web, meningkatkan visibilitas merek dan keterlibatan pelanggan. Implementasi SOP dan alat manajemen keuangan berkontribusi pada operasi bisnis yang lebih terorganisir dan menguntungkan. Hasil ini menegaskan pentingnya transformasi digital dan praktik bisnis yang terstruktur dalam meningkatkan keberlanjutan dan daya saing UMKM.]]>
<![CDATA[Perancangan Aplikasi Bank Sampah Berbasis Website Untuk Kampus Bebas Sampah ]]>
<![CDATA[Marzuki, Marzuki]]>;
<![CDATA[Hasibuan, MS]]>;
<![CDATA[W, Dika Tondo]]>;
<![CDATA[Rizal, Ruki]]>;
<![CDATA[Lestari, Winda Rika]]>
<![CDATA[ Journal of Digital Literacy and Volunteering Vol. 2 No. 1 (2024): January ]]>
Publisher : <![CDATA[Puslitbang Akademi Relawan TIK Indonesia ]]>
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DOI: 10.57119/litdig.v2i1.77
<![CDATA[Waste management on campus has become increasingly crucial in addressing global challenges related to the waste crisis. This research outlines the implementation of a web-based Waste Bank Application at IIB Darmajaya Campus as a strategic step towards achieving the vision of a Zero-Waste Campus. The application is designed to enhance the campus community's participation in waste management through the use of information technology approaches. The research methodology involves application development and impact analysis. The research results indicate that the Waste Bank Application successfully increased awareness and participation of the campus community in waste sorting and recycling. The implementation of a reward point system in the application also proved effective in providing incentives for members, motivating them to contribute more actively. Through effectiveness evaluation, this study concludes that the web-based Waste Bank Application can be a key instrument in realizing a Zero-Waste Campus. These findings make a significant contribution to the literature on community-based waste management and offer practical insights for other educational institutions looking to adopt a similar approach. Policy recommendations and further development strategies are also proposed to support the sustainability of the Zero-Waste Campus program in the future.]]>
<![CDATA[Traveloka Booking Technology and Customer Satisfaction at Hotel Sahid Using TAM Model ]]>
<![CDATA[Ardila, Fidha Citra]]>;
<![CDATA[Wibasuri, Anggalia]]>;
<![CDATA[Lestari, Winda Rika]]>
<![CDATA[ Jurnal Akuntansi, Keuangan, dan Manajemen Vol. 6 No. 2 (2025): Maret ]]>
Publisher : <![CDATA[Penerbit Goodwood ]]>
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DOI: 10.35912/jakman.v6i2.4105
<![CDATA[Purpose: This study aims to test how factors in the Technology Acceptance Model (TAM) affect customer satisfaction at Sahid Hotel Bandar Lampung. Methodology: The data source used was primary. Data were collected through a questionnaire randomly distributed to 100 respondents using probability sampling techniques. Data analysis was performed using structural equation Modelling (SEM) with the help of the Smart-PLS application. Results: The results revealed that Perceived Usefulness (PU) had a positive effect on Traveloka’s Attitude Toward Using (ATUs). Perceived Ease of Use (PEOU) has a positive effect on Traveloka’s Attitude Toward Using (ATUs). Enjoyment has a positive effect on Traveloka’s Attitude Toward Using (ATU). Perceived Ease of Use (PEOU) has a positive effect on Traveloka’s Perceived Usefulness (PU). Conclusion: Attitude Toward Using (ATU) has a positive effect on Traveloka’s Behavioural Intention to Use (BI). Behavioural Intention to Use (BI) has a positive effect on customer satisfaction. Perceived Usefulness (PU) has a positive effect on customer satisfaction. Perceived Ease of Use (PEOU) has a positive effect on customer satisfaction. Limitations: To use a larger sample and be able to cover all elements of the population in a balanced manner so that the results of the study can better reflect the actual circumstances and the results can be generalized more broadly. Contribution: Hotel Sahid Bandar Lampung needs to optimize services to consumers. The service is optimized by ensuring security and comfort when transacting on Traveloka.]]>
<![CDATA[Personality Traits, Emotional Intelligence, Love Of Money, Financial Self-Efficacy, And Lifestyle On Financial Behavior ]]>
<![CDATA[Lestari, Winda Rika]]>;
<![CDATA[Triandini, Khofifah]]>;
<![CDATA[Saputra, Richard]]>;
<![CDATA[Putri, Reisa Dyasvaro Zulanda]]>
<![CDATA[ International Journal of Artificial Intelligence Research Vol 7, No 1.1 (2023) ]]>
Publisher : <![CDATA[Universitas Dharma Wacana ]]>
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DOI: 10.29099/ijair.v7i1.1.1111
<![CDATA[This research aims to determine the influence of personality traits, emotional intelligence, love of money, financial self-efficacy, and lifestyle on financial behavior. The type of research used is associative with a quantitative approach. The population in this study were students. The type of sampling used in this research is a nonprobability sampling method using snowball sampling and purposive sampling techniques. The data analysis method used is multiple linear regression analysis. The research results show that personality traits, emotional intelligence, love of money, financial self-efficacy and lifestyle have a significant positive effect on financial behavior. These results indicate that students who have good personality traits, good emotional intelligence, a high level of love of money, a good life style will have good financial behavior too. Furthermore, the higher a person's self-efficacy, the more responsible that person will be for their financial behavior.]]>
<![CDATA[OVERVIEW OF THE PLANNING DOCUMENT STRUCTURE AS A TOOL FOR LOCAL GOVERNMENT PERFORMANCE MEASUREMENT AND RISK MANAGEMENT ]]>
<![CDATA[Erafat, Yasiir]]>;
<![CDATA[Lestari, Winda Rika]]>
<![CDATA[ International Journal of Artificial Intelligence Research Vol 8, No 1.1 (2024) ]]>
Publisher : <![CDATA[Universitas Dharma Wacana ]]>
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DOI: 10.29099/ijair.v8i1.1.1353
<![CDATA[Local governments have a noble role in providing direct services felt by the community regarding basic needs such as civil registration services for primary and secondary education, health care, etc. by paying attention to the synchronization of policies at the central and provincial government levels. To ensure the effectiveness of the execution of these functions, local governments should adopt a performance management and risk management approach as formulated in applicable laws and regulations to improve the quality of strategic management in line with the principles of good governance. Based on these matters, by taking into account the applicable laws and regulations and taking into account the span of control of local government organizations, it is very necessary to identify detailed activities and/or end products documented in the annual planning document, especially at the Regional Apparatus Organization (OPD) level, detailed activities and/or end products describe in detail the sub-activities and sub-activity indicators, the identification and documentation can improve the quality of the OPD annual planning document as a living document, because it is not only used as a basis for measuring performance, but also as an input in identifying and analyzing risks at the operational level in achieving performance objectives at the sub-activity level, and can be used as an input in ensuring the cascade preparation of performance agreements from both the strategic level and the operational level. The methodology of this research uses a descriptive qualitative approach focusing on the Statute Approach and the Conceptual Approach]]>
<![CDATA[Pengaruh Atribut Produk, Persepsi Nilai Dan Pengalaman Konsumen Terhadap Keputusan Pembelian Apple Iphone Di Bandar Lampung ]]>
<![CDATA[Meizary, Ary]]>;
<![CDATA[Lestari, Winda Rika]]>
<![CDATA[ Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 1 (2024): Article Research Volume 7 Number 1, January 2024 ]]>
Publisher : <![CDATA[LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga ]]>
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DOI: 10.36778/jesya.v7i1.1461
<![CDATA[Penelitian ini bertujuan untuk mengetahui dan menjelaskan ; (1) Pengaruh atribut produk (X1) terhadap keputusan pembelian (Y) Apple iPhone di Bandar Lampung, (2) pengaruh persesepsi nilai (X2) terhadap keputusan pembelian (Y) Apple iPhone di Bandar Lampung, (3) pengaruh pengalaman konsumen (X3) terhadap keputusan pembelian (Y) Apple iPhone di Bandar Lampung, (4) pengaruh secara bersamaan atribut produk (X1), persesepsi nilai (X2), pengalaman konsumen (X3) terhadap keputusan pembelian (Y) Apple iPhone di Bandar Lampung. Penelitian ini menggunakan jenis penelitian metode kuantitatifdengan sampel yang digunakan 134 responden yang merupakan pengguna ponsel iPhone di Bandar Lampung.Metode yang digunakan dalam pengumpulan data menggunakan data responden atau kuesioner.Analisis data yang digunakan dalam penelitian ini menggunakan analisis regresi linier berganda. Hasil dari penelitian ini menunjukan bahwa ; (1) atribut produk (X1) tidak berpengaruh terhadap keputusan pembelian (Y)Apple iPhone di Bandar Lampung, (2) persepsi nilai (X2) berpengaruh positif dan signifikan terhadap keputusan pembelian (Y)Apple iPhone di Bandar Lampung, (3) pengalaman konsumen (X3) tidak berpengaruh terhadap keputusan pemebelian (Y) Apple iPhone di Bandar Lampung, (4) atribut produk (X1), persesepsi nilai (X2), pengalaman konsumen (X3) secara simultan berpengaruh positif dan signifikan terhadap keputusan pembelian (Y) Apple iPhone di Bandar Lampung.]]>
<![CDATA[Perancangan Aplikasi Bank Sampah Berbasis Website Untuk Kampus Bebas Sampah ]]>
<![CDATA[Marzuki, Marzuki]]>;
<![CDATA[Hasibuan, MS]]>;
<![CDATA[W, Dika Tondo]]>;
<![CDATA[Rizal, Ruki]]>;
<![CDATA[Lestari, Winda Rika]]>
<![CDATA[ Journal of Digital Literacy and Volunteering Vol. 2 No. 1 (2024): January ]]>
Publisher : <![CDATA[Puslitbang Akademi Relawan TIK Indonesia ]]>
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DOI: 10.57119/litdig.v2i1.77
<![CDATA[Waste management on campus has become increasingly crucial in addressing global challenges related to the waste crisis. This research outlines the implementation of a web-based Waste Bank Application at IIB Darmajaya Campus as a strategic step towards achieving the vision of a Zero-Waste Campus. The application is designed to enhance the campus community's participation in waste management through the use of information technology approaches. The research methodology involves application development and impact analysis. The research results indicate that the Waste Bank Application successfully increased awareness and participation of the campus community in waste sorting and recycling. The implementation of a reward point system in the application also proved effective in providing incentives for members, motivating them to contribute more actively. Through effectiveness evaluation, this study concludes that the web-based Waste Bank Application can be a key instrument in realizing a Zero-Waste Campus. These findings make a significant contribution to the literature on community-based waste management and offer practical insights for other educational institutions looking to adopt a similar approach. Policy recommendations and further development strategies are also proposed to support the sustainability of the Zero-Waste Campus program in the future.]]>
<![CDATA[KUALITAS E-SERVICE: DAMPAKNYA PADA KEPUASAN DAN LOYALITAS PELANGGAN (STUDI KASUS M-BANKING BANK BRI BANDAR LAMPUNG) ]]>
<![CDATA[Farisi, Salman Al]]>;
<![CDATA[Lestari, Winda Rika]]>
<![CDATA[ JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA ]]>
Publisher : <![CDATA[ITB AAS Indonesia Surakarta ]]>
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DOI: 10.29040/jie.v8i4.15489
<![CDATA[This research aims to determine the influence of E-Service Quality on customer satisfaction and its impact on Customer Loyalty of Bank BRI Mobile Banking (m-banking) users in Bandar Lampung. The type of research used is associative with a quantitative approach. The population in this research is BRI Bank customers who use the BRImo application. The type of sampling used in this research is a nonprobability sampling method using a purposive sampling technique. The data analysis method used is Smart PLS 4.0 analysis. The research results show that; 1) Customer Satisfaction is not positively influenced by Efficiency; 2) Customer Satisfaction is not positively influenced by Pulfilmment; 3) Customer Satisfaction is positively influenced by Privacy; 4) Customer Satisfaction is positively influenced by Responsiveness; 5) Customer Satisfaction is not positively influenced by Contact; 6) Customer Satisfaction is not positively influenced by Website Design; and 7) Customer satisfaction has a positive influence on customer loyalty. Keywords : E-Service Quality, Customer Loyalty, Customer Satisfaction]]>
