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ONLINE CUSTOMER EXPERIENCE FOR DIGITAL BANKING CUSTOMERS: RECONFIRMATION OF INFORMATION SYSTEM SUCCESS MODEL Maskur, Ali; Nawatmi, Sri; Santoso, Ignatius Hari
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i2.20605

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The rapid transformation of the banking industry, driven by advancements in digital technology, has reshaped how banks deliver services and interact with customers. This study investigates the impact of system quality, information quality, and service quality on online customer experience and customer loyalty in the digital banking context. Using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method, data was collected from 95 respondents who have actively used mobile banking services for over three years. The findings reveal that system quality and information quality significantly influence customer loyalty and online customer experience, while service quality does not have a direct effect on customer loyalty. Similarly, system quality does not significantly affect online customer experience unless paired with other quality dimensions. These results highlight the evolving priorities of digital banking customers, who value efficient, secure, and intuitive platforms over traditional service interactions. The study emphasizes the importance of integrating high system and information quality with personalized and responsive service to enhance the overall customer experience. This research provides theoretical and practical insights for banking institutions aiming to strengthen their digital strategies and foster sustainable customer loyalty in the competitive landscape of digital banking. Keywords: System Quality; Information Quality; Service Quality; Customer Loyalty; Online Customer Experience
PREDICTIVE VOLATILITY MODELS ON JKSE AND FIVE STOCK INDEX FROM DEVELOPED COUNTRIES Nawatmi, Sri; Santosa, Agus Budi; Maskur, Ali; Sudiyatno, Bambang
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7 No 1 (2023): IJEBAR, VOL. 07 ISSUE 01, MARCH 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i1.7347

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The global economy in 2021-2022 tends to slow down due to the Covid-19 pandemic, followed by the Russian invasion of Ukraine, which further weakens global economic conditions. This study aims to determine alternative predictive models for the JKSE and five developed country stock price indices (Singapore's FTSE, China's SSEC, Japan's Nikkei225, England's FTSE, and America's DowJones) during a time of slowing world economy (January 2021 – September 2022). The results of the study show that the JKSE shows lower volatility than the other five developed countries with a stock price index that tends to increase. The stock price indices for the five developed countries have high volatility and tend to decrease for China and Japan, while the stock price indices for Singapore, England and America tend to increase. An alternative predictive volatility model for JKSE stock returns is GARCH (1.1), Singapore's FTSE is ARCH (1), China's SSEC is ARCH (1), Japan's Nikkei 225 is GARCH (1.2) while the UK's FTSE100 and America's DowJones are EGARCH (1,1). These results indicate that FTSE and DowJones stock returns have a leverage effect where good news causes less volatility than bad news. When there is volatility in stock returns, especially FTSE100 and DowJones, business risk increases. This can cause stock investors to move their funds to countries with low investment risk
THE ROLE OF GOLD AS SAVE HAVEN OR DIVERSIFIER INVESMENT IN INDONESIA Nawatmi, Sri; Santosa, Agus Budi; Nusantara, Agung
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 2 (2024): IJEBAR, VOL. 08 ISSUE 02, JUNE 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i2.13955

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This research is based on the phenomenon of increasing gold transactions in the early 2020 pandemic as an alternative investment. This study aims to answer whether gold acts more as an alternative investment tool or as a diversifier, or is it still relevant as a hedging tool or a safe haven. This study will explore a number of main variables, namely: gold prices, investment interest rates, liquid stock prices, exchange rates and consumer price levels. The data analysis is time-series data with a time span of January 2018 to October 2020. The analytical method used is pairwise correlation and cross-correlation. The results showed, through pairwise correlation analysis, it can be concluded that the gold price variable is more worthy of being called a good store of value or safe haven than its role as an alternative investment or diversification. On the other hand, based on a cross-correlation analysis involving time-lag, the gold price expectation variable for next year has a strong complementarity with the expected investment interest rate variable as well as the expected exchange rate variable. Meanwhile, the relationship between the expected gold price variable and the expected liquid stock price variable, which is often used as an investment tool indicator, has a very strong substitution or diversification relationship.
PENGARUH KEPUASAN KERJA DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN PT. DARYA VARIA LABORATORIA TBK - SEMARANG Putri, Almira Amara; Nawatmi, Sri
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 1 (2024): Edisi Januari - April 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i1.3839

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Penelitian ini bertujuan untuk mengetahui pengaruh kepuasan kerja dan motivasi kerja terhadap kinerja karyawan di PT. Darya Varia Laboratoria Tbk – Semarang. Jumlah sampel yang digunakan sebanyak 114 responden dengan menggunakan metode sensus. Teknik sampel kuesioner menggunakan skala Likert. Variabel independen yang dipilih adalah kepuasan kerja dan motivasi kerja, sedangkan variabel dependennya adalah kinerja karyawan. Teknik analisis yang digunakan adalah analisis regresi linier berganda. Data diolah menggunakan aplikasi SPSS 26. Dari hasil penelitian menunjukkan hasil bahwasannya kepuasan kerja dan motivasi kerja berpengaruh positif terhadap kinerja karyawan. Variabel yang paling mempengaruhi kinerja karyawan adalah variable kepuasan kerja.
Pengaruh Lingkungan Kerja, Disiplin Kerja dan Kepuasan Kerja Terhadap Kinerja Karyawan Choeroh, Nikmatul; Nawatmi, Sri
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1563

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This research is to determine the influence of the work environment, work discipline and job satisfaction on employee performance (Study at the Population and Civil Registration Service). The type of data used is primary. With a population of 124 employees, 95 respondents were obtained after applying the purposive sampling method with the Solvin formula, with an assessment using a Likert scale. The data analysis technique uses Multiple Linear Regression. From the results of hypothesis testing on employee performance, it is known that the work environment and work discipline have a positive effect on employee performance, while job satisfaction has no effect on employee performance. The coefficient of determination (R Square) is 0.758, which means that 75.8% of the variation of all independent variables (work environment, work discipline, and job satisfaction) can explain the dependent variable (employee performance), while the remaining 24.2% is explained by the variable free and not included in this study.
Income Inequality – Empirical Study of 34 Provinces in Indonesia Setiawan, Mulyo Budi; Nawatmi, Sri; Nusantara, Agung
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1677

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This research aims to find out what variables determine income inequality in 34 provinces in Indonesia 2018 - 2021. The method used in this research is pooling data or panel data. There are 3 models available in panel data, namely the PLS (pooled Least Square) model, FEM (Fixed Effect Model) and REM (Random Effect Model). Before analyzing, the first step is to determine the best model from the 3 models. The Chow test results show that the best model between PLS and FEM is FEM. To determine which model should be chosen between FEM and REM, the Hausman test is used, and the better model is FEM. Therefore, in this study FEM was used to estimate income inequality in 34 provinces in Indonesia. The estimation results show that of the 3 independent variables used in the estimation, only the HDI variable (human development index) influences income inequality in 34 provinces in Indonesia with a negative sign. Other variables, GRDP per capita and open unemployment rate do not affect income inequality.
Identification of the Economic Crisis in Indonesia 2019-2022 Nusantara, Agung; Nawatmi, Sri
Untag Business and Accounting Review Vol 1, No 2: October 2022
Publisher : Faculty of Economics and Business UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/ubar.v1i2.3349

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This paper aims to to identify when the economic crisis in Indonesia occurred by basing itself on the formulation of The National Bureau of Economic Research, as the economic research authority in the United States, which is used as a reference for many countries including the United Nations. The Holdrick-Prescot Expectation Model is use as model with a de-trending approach that describes the information contained in the data without involving other data that might contribute to the movement of the data. the results of identification using the Gordon model and the Hodrick-Prescott method, it can be seen that the identification of crises is more accurate when using the definition applied by the NBER. Through the definition of the NBER crisis, it can be seen that Indonesia has experienced a decline in actual GDP compared to its trend value since 2019, Q4, which of course indicates the onset of an economic crisis.
Do Economic Factors Dominate Happiness: A Comparison of Western and Eastern Cultures Nusantara, Agung; Nawatmi, Sri
Untag Business and Accounting Review Vol 2, No 2: October 2023
Publisher : Faculty of Economics and Business UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/ubar.v2i2.4450

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This article explores the factors influencing happiness levels and compares them within the contexts of Western and Eastern cultures. It particularly examines the role of income in shaping happiness, with a focus on Western cultures, often associated with materialism, and Eastern cultures, frequently linked to spirituality. The analysis reveals four significant determinants of happiness: economic achievement, social support, health, and the freedom to make choices. While income, measured by per capita GDP growth, contributes to happiness, globally, freedom of choice and social support exert a more substantial influence. This holds true when comparing Europe and North America to Asia (excluding the Middle East) and when contrasting Western and Eastern cultures. The study underscores the significance of social and political factors in achieving happiness, emphasizing the need for prioritizing their development. Furthermore, it challenges the notion that Western cultures are solely materialistic and Eastern cultures entirely spiritual, highlighting the intricacies of cultural differences. In sum, these findings emphasize the need for more comprehensive and diverse research to understand variations within specific cultural and ethnic contexts.
PENGARUH INFLASI, SUKU BUNGA, DAN NILAI TUKAR RUPIAH TERHADAP HARGA SAHAM INFOBANK15 (PERIODE 2018 – 2022) Yuanitasari, Annastasia Anisah; Sri Nawatmi
Kompak :Jurnal Ilmiah Komputerisasi Akuntansi Vol. 17 No. 1 (2024): Jurnal Ilmiah Komputer Akuntansi (KOMPAK)
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/kompak.v17i1.1946

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Stock market can be fluctuate and uncontrolled depends on many internal and external factors. The fluctuation itself can bring impact to capital market entities and the economy. This study focused for investigate the effects of inflation, interest rate, and domestic exchange rate on INFOBANK15 price stock during the 2018 – 2022 periods. This study collects data from Indonesia Stock Exchange which can be downloaded from idx.co.id. A quantitative approach to analyze the data and using SPSS as the tools. The result indicate that inflation has no effect to price stock, interest rate and exchange rates gives negative effect to stock prices.
Pengaruh Motivasi Kerja dan Kompensasi Terhadap Kinerja Karyawan PT.Tiki Jalur Nugraha Ekakurir di Kantor Cabang Utama Semarang Adinda Putri Hermansya; Sri Nawatmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.3113

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This research aims to determine the effect of work motivation and compensation on employee performance. This research was conducted at PT Tiki Jalur Nugraha Ekakurir using employees from several departments as samples, with a total sample of 101 employees. The research results show that work motivation has a positive effect on employee performance. Meanwhile, compensation has a negative effect on employee performance. In this research, the most influential variable is the work motivation variable.