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All Journal Jurnal Ekonomi : Journal of Economic Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Manajemen Strategi dan Aplikasi Bisnis Jurnal Manajemen BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW (IJOSPL) Journal of Comprehensive Science Jurnal Ilmu Manajemen & Ekonomika Jurnal Keuangan dan Perbankan Cerdika: Jurnal Ilmiah Indonesia Jurnal Global Ilmiah Jurnal Inovasi Global Journal of Accounting, Management and Islamic Economics
Whony Rofianto
STIE Indonesia Banking School
Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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TASK TECHNOLOGY DAN TECHNOLOGY CHARACTERISTICS; TRANSFORMASI MOBILE BANKING BANK MANDIRI FITUR NEW RELEASE LIVIN' BY MANDIRI DAN PENGARUHNYA TERHADAP KEPUASAN SERTA PENGGUNAAN BERKELANJUTAN PADA NASABAH BANK MANDIRI Safira Safira; Whony Rofianto
Journal of Accounting, Management and Islamic Economics Vol. 1 No. 1 (2023): Journal of Accounting, Management, And Islamic Economics, Volume 01, No. 01, Ju
Publisher : Ibs Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jamie.v1i1.437

Abstract

The rapid development of information technolagy has brought changes to ttte financial industry, especially the banking industry with the emergence of mobile banking whiclt rs defihed as a sysfem where cusfomers can conduct banking transactians ihrough applications on smartphones anytime and anywhere. Through this research by developing further research on cantinuance intention in using mobile banking and adding self-efficacy towards mobile banking users with the concept af tasklechnalogy fit (TTF) whictt will explain the relationship between technotogy characteristics and task technology, the purpase of this study is to analyze the effect of tasktechnology fit on customer satisfactian and sustainable use af mobite banking users. Empirical data in this study were collected through surveys that vvere distributecl online via qttestionnaires to Bank Itlandiri customers domiciled rn Jabodetabek who had used the Livin' by lMandiri application for at least 6 months with a tatal sample data of 81 respondents. This research method uses fhe PIS-SEM (Partiall-easf Square Structural Equatian Model) approach ta measure the estimation of the measurement mode! and the estimation of the structural model. The results showed that there was a positive relatianship between technalogy characteristics and tasklechnology fit, and task'-technology fit proved ta have a positive effect on perceived useft//ness and perceived usefulness proved to have a positive effect on satisfaction ancl continuance intention. lVleanwhile, the positive effect of task technology on task-technology fit and the effect of se{f-efficacy an continuance intention has not been proven in this study.
FAKTOR PEMBENTUK PRODUCT ATTITUDE SERTA DAMPAKNYA TERHADAP PURCHASE INTENTION: PENELITIAN PADA MINAT BELI UPCYCLED PRODUCT Fachry Ali Muzakki; Whony Rofianto
Journal of Accounting, Management and Islamic Economics Vol. 1 No. 2 (2023): Journal of Accounting, Management, And Islamic Economics, Volume 01, No. 02, De
Publisher : Ibs Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jamie.v1i2.472

Abstract

The increase in population is the main factor in increasing the amount of waste. This condition, if there is no effort to handle good waste management, will cause environmental pollution. The emergence of the waste problem in DKI Jakarta is thought to be inseparable from various factors, including a lack of knowledge about the environment and low social factors.This study used a descriptive research design approach with empirical data collected through a sample online survey of millennials in Jabodetabek. The empirical data is then processed using the Structural Equation Modeling approach to test a number of proposed hypotheses. The results of the conclusions of this study are as follows: Green Value has a significant positive effect on Product Attitude,Functional Value has a significant influence on Product Attitude, Emotional Value has a significant positive effect on Product Attitude, Aesthetic Value has a significant positive effect on Product Attitude.Social Value has a significant positive effect on Product Attitude,Self Expressive Value has a significant positive effect on Product Attitude,Product Attitude has a significant positive effect on Purchase Intention.
ANALISIS PENGARUH TASK TECHNOLOGY FIT DAN SATISFACTION TERHADAP CONTINUANCE INTENTION: TELAAH PADA NASABAH LIVIN’ MANDIRI SE- JABODETABEK Rini Afriani Sinaga; Whony Rofianto
Journal of Accounting, Management and Islamic Economics Vol. 2 No. 1 (2024): Journal of Accounting, Management, And Islamic Economics, Volume 02, No. 01, Ju
Publisher : Ibs Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jamie.v2i1.546

Abstract

The mobile banking application is an efficient and effective online banking service. However, the use of mobile banking services is still quite limited. One of the contributing factors is the technological task of the mobile banking application that does not meet customer expectations. Thus, this study aims to examine and analyze the relationship between task technology fit and satisfaction in increasing the intention to continue using the Livin' Mandiri mobile banking application. The data in this study were collected from an online survey (questionnaire) taken from the Jabodetabek area. The author uses the PLS-SEM approach in processing data from 96 Bank Mandiri customer respondents. The results of hypothesis testing show that perceived usefulness has not proven to have a positive effect on satisfaction and attitude has not proven to have a positive effect on continuance intention. Meanwhile, the significant results include: task technology fit has a positive effect on perceived usefulness, perceived value has a positive effect on satisfaction, perceived usefulness has a positive effect on continuance intention, perceived usefulness has a positive effect on attitude, and finally satisfaction has a positive effect on continuance intention.
Co-Creation Experience of Indonesian Gen Z in Mobile Commerce Muhammad Iqbal Firdaus; Cynthia A. Utama; Gita Gayatri; Whony Rofianto
Jurnal Manajemen Vol. 29 No. 1 (2025): February 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v29i1.2424

Abstract

Anchoring on the value of co-creation theories and stimulus-organism-response (S-O-R), the purpose of the study is to examine co-creation experience among Gen Z. First, the study aims to investigate the role of mobile commerce quality in driving Gen Z co-creation experience. Second, it seeks to understand the impact of a positive co-creation experience on the likelihood of engaging in E-WOM. An online survey was designed to collect 679 responses using purposive sampling from mobile commerce users. The data was analysed using PLS-SEM to test the hypotheses. The results demonstrate that mobile commerce quality and personal traits contribute to increased co-creation experience. In addition, the results indicate that E-WOM is determined by learning, personal, and hedonic experiences, which are influenced by content quality, visual appeal, social interaction, and propensity to interact online. The research provides insights for mobile commerce managers into increasing co-creation experience as the source of competitive advantage.
Pengaruh Kemudahan Akses, Strategi Penjualan, dan Fitur Kredit Digital terhadap Perilaku Pembelian Impulsif Melalui Emosi Positif (Studi pada Generasi Milenial dan Gen Z Pengguna Shopee) Aprialy Angelica; Antyo Pracoyo; Batara Simatupang; Whony Rofianto
Jurnal Global Ilmiah Vol. 3 No. 7 (2026): Jurnal Global Ilmiah
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/jgi.v3i7.357

Abstract

Penelitian ini dilatarbelakangi oleh pesatnya perkembangan e-commerce di Indonesia yang mendorong perubahan perilaku konsumsi, khususnya meningkatnya pembelian impulsif pada generasi Milenial dan Gen Z. Kemudahan akses aplikasi, strategi penjualan, serta fitur kredit digital seperti Paylater menjadi stimulus utama dalam memengaruhi perilaku konsumen. Penelitian ini bertujuan untuk menganalisis pengaruh kemudahan akses, strategi penjualan, dan fitur kredit digital terhadap pembelian impulsif melalui emosi positif pada pengguna Shopee. Metode yang digunakan adalah pendekatan kuantitatif dengan desain eksplanatori melalui survei kuesioner kepada responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan SEM-PLS. Hasil penelitian menunjukkan bahwa kemudahan akses dan strategi penjualan berpengaruh signifikan terhadap emosi positif, sementara fitur kredit digital tidak berpengaruh signifikan terhadap emosi positif. Selain itu, fitur kredit digital terbukti berpengaruh signifikan terhadap pembelian impulsif, sedangkan variabel lainnya tidak berpengaruh langsung. Emosi positif juga tidak berperan signifikan dalam mendorong pembelian impulsif. Kesimpulan penelitian ini menunjukkan bahwa faktor fungsional seperti kemudahan sistem dan fleksibilitas pembayaran lebih dominan dibandingkan faktor emosional dalam memengaruhi perilaku pembelian impulsif pada e-commerce.
The Influence of Government Support and Innovative Work Behaviour on Customer Relationship Management and its Implications on Marketing Result: A Study at PT BPRS Bhakti Sumekar Sumenep Inggit Mawarsih Puspita Sari; Whony Rofianto; Enny Haryanti; Antyo Pracoyo
Jurnal Global Ilmiah Vol. 3 No. 7 (2026): Jurnal Global Ilmiah
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/jgi.v3i7.362

Abstract

Despite the critical role of regional government owned Islamic Rural Banks (Bank Perekonomian Rakyat Syariah/BPRS) in advancing local financial inclusion, empirical understanding of how government support shapes innovative organizational behavior and, through it, customer relationship management quality and marketing performance remains limited. This study examined the influence of Government Support on Individual and Organizational Innovative Work Behaviour (IWB), the subsequent effects of both IWB dimensions on four Customer Relationship Management (CRM) components: Customer Orientation, CRM Organization, CRM Knowledge Management, and Technology-Based CRM, and the implications of these CRM dimensions for Marketing Result. A quantitative explanatory design was adopted, with data collected from 129 purposively sampled employees and analyzed by Partial Least Squares-Structural Equation Modeling (PLS-SEM). The findings reveal that Government Support positively and significantly influences both Individual and Organizational IWB, with the latter demonstrating stronger downstream effects on all CRM dimensions. Among the CRM components, Customer Orientation and Technology-Based CRM emerged as the most consequential pathways to improved Marketing Result, with the model explaining a substantial proportion of variance in the outcome variable. These results establish Government Support as a strategic institutional resource that catalyzes innovative work behaviour, and identify Technology-Based CRM as the most effective mechanism for enhancing marketing performance in government-owned BPRS. The study extends the model of Nicolescu and Ripa (2024) by incorporating Government Support as an upstream antecedent, offering theoretical contributions to the CRM and innovation literature and practical implications for regional governments and banking regulators.
Analisis Faktor-Faktor yang Berpengaruh terhadap Niat Penggunaan Mobile Banking oleh Nasabah Bank Papua Januaria Jane; Whony Rofianto; Nuri Wulandari; Batara Maju Simatupang
Cerdika: Jurnal Ilmiah Indonesia Vol. 6 No. 6 (2026): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v6i6.3319

Abstract

Transformasi digital perbankan menuntut lembaga keuangan untuk mengadopsi teknologi guna meningkatkan efisiensi dan inklusi keuangan. Namun, tingkat adopsi layanan mobile banking masih belum optimal, khususnya di wilayah Papua. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi niat penggunaan mobile banking oleh nasabah Bank Papua. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 160 responden pengguna layanan mobile banking Bank Papua. Data dianalisis menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) melalui aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa kompatibilitas, persepsi kemudahan penggunaan, persepsi kegunaan, kepercayaan, dan persepsi keamanan berpengaruh positif dan signifikan terhadap niat penggunaan mobile banking. Sebaliknya, literasi digital hanya berpengaruh terhadap persepsi kemudahan penggunaan, dan norma subjektif tidak menunjukkan pengaruh signifikan terhadap persepsi kegunaan maupun niat penggunaan. Temuan ini menunjukkan bahwa keputusan nasabah untuk menggunakan mobile banking lebih dipengaruhi oleh persepsi individu terhadap manfaat, kemudahan, dan keamanan layanan, serta kepercayaan terhadap sistem, daripada dorongan sosial. Implikasi dari hasil ini mengarah pada pentingnya penguatan fitur layanan yang sesuai dengan kebutuhan pengguna serta peningkatan strategi edukasi dan keamanan digital. Penelitian ini memberikan kontribusi empiris dalam pengembangan teori adopsi teknologi di sektor perbankan daerah.
Pengaruh Kualitas Layanan, Kualitas Produk, dan Promosi Produk Terhadap Minat Pengajuan Kredit Nasabah dengan Kepercayaan Nasabah Sebagai Pemoderasi pada PT. BPD Papua Cabang Serui Ari Naomi Bilong; Batara M. Simatupang; Hayu S. Prabowo; Whony Rofianto
Jurnal Inovasi Global Vol. 4 No. 6 (2026): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v4i6.548

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan, kualitas produk, promosi produk, dan kepercayaan (trust) terhadap minat pengajuan kredit nasabah pada PT. BPD Papua Cabang Serui. Jenis penelitian yang digunakan adalah penelitian kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini adalah seluruh nasabah kredit PT. BPD Papua Cabang Serui dengan jumlah responden sebanyak 400 orang. Pengumpulan data dilakukan melalui penyebaran kuesioner menggunakan skala Likert 1–6. Teknik analisis data yang digunakan adalah analisis regresi linier berganda dengan bantuan program SPSS. Hasil penelitian menunjukkan bahwa kualitas layanan, kualitas produk, promosi produk, dan kepercayaan nasabah berpengaruh positif dan signifikan terhadap minat pengajuan kredit nasabah. Di antara variabel tersebut, kepercayaan (trust) memiliki pengaruh paling dominan terhadap minat pengajuan kredit. Temuan ini menunjukkan bahwa semakin tinggi tingkat kepercayaan nasabah terhadap bank, semakin besar pula minat mereka untuk mengajukan kredit. Oleh karena itu, pihak manajemen bank perlu memperkuat strategi pelayanan, memperbaiki kualitas produk, meningkatkan efektivitas promosi, serta membangun kepercayaan nasabah secara berkelanjutan.
Analisis Faktor-Faktor yang Berpengaruh Terhadap Niat Membeli Kendaraan Listrik di Kabupaten Mimika Susi Susanti Margadewi; Whony Rofianto; Batara Maju Simatupang; Fermico Karambut
Journal of Comprehensive Science Vol. 5 No. 6 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i6.4192

Abstract

Pemanasan global dan peningkatan emisi gas rumah kaca mendorong perlunya transisi dari transportasi berbahan bakar fosil menuju mobilitas rendah emisi, termasuk kendaraan listrik. Namun, adopsi kendaraan listrik di wilayah berkembang masih menghadapi berbagai kendala, seperti keterbatasan infrastruktur, persepsi harga, pengetahuan konsumen, dan sikap masyarakat. Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi niat membeli kendaraan listrik di Kabupaten Mimika dengan menggunakan pendekatan Extended Technology Acceptance Model. Penelitian ini menggunakan desain kuantitatif eksplanatori dengan data primer yang dikumpulkan melalui kuesioner daring. Sampel penelitian berjumlah 122 responden yang berdomisili di Kabupaten Mimika, berusia di atas 17 tahun, memiliki kendaraan berbahan bakar minyak, dan belum pernah membeli kendaraan listrik. Analisis data dilakukan menggunakan Partial Least Squares Structural Equation Modeling melalui SmartPLS. Hasil penelitian menunjukkan bahwa dari tiga belas hipotesis pengaruh langsung, hanya empat hipotesis yang terbukti signifikan. Persepsi kemudahan penggunaan berpengaruh terhadap persepsi kegunaan, persepsi kegunaan berpengaruh terhadap sikap, pengetahuan kendaraan listrik berpengaruh terhadap sikap, dan sikap berpengaruh terhadap niat membeli. Sebaliknya, persepsi kemudahan penggunaan, persepsi kegunaan, pengetahuan kendaraan listrik, ketersediaan infrastruktur, pengetahuan lingkungan, persepsi harga, dan persepsi nilai tidak berpengaruh langsung terhadap niat membeli. Kesimpulannya, niat membeli kendaraan listrik di Kabupaten Mimika terutama dibentuk oleh sikap positif konsumen, sehingga strategi edukasi, pengalaman langsung, dan penguatan kepercayaan publik perlu ditingkatkan.
Perilaku Generasi Z terhadap Pinjaman Online: Studi Kualitatif Mengenai Kebutuhan Finansial Jangka Pendek, Gaya Hidup, Literasi Keuangan, Promosi, Persepsi Risiko, dan Status Sosial Arie Kurniawati; Nuri Wulandari; Whony Rofianto; Batara Simatupang
Jurnal Keuangan dan Perbankan Vol. 22 No. 01 (2025): Jurnal Keuangan Dan Perbankan, Volume 22, No.1, Desember 2025
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jkp.v22i01.913

Abstract

Penelitian ini mengeksplorasi perilaku keuangan Generasi Z (Gen Z) di Indonesia, khususnya dalam penggunaan layanan pinjaman online. Permasalahan utama yang diidentifikasi adalah meningkatnya ketergantungan Gen Z pada platform pinjaman digital, yang menimbulkan kekhawatiran terhadap kerentanan finansial dan risiko utang. Gen Z, sebagai kelompok demografi yang tumbuh di era digital, sangat terbuka terhadap inovasi teknologi dan produk keuangan digital, sehingga lebih rentan terhadap peluang sekaligus risiko. Pendekatan kualitatif deskriptif digunakan melalui wawancara mendalam semi-terstruktur dengan individu berusia 17–28 tahun yang pernah atau sedang menggunakan layanan pinjaman online. Analisis difokuskan pada pengalaman, persepsi, dan motivasi mereka dalam mengambil keputusan keuangan. Hasil penelitian menunjukkan bahwa kebutuhan keuangan jangka pendek yang mendesak, pola gaya hidup konsumtif, serta kemudahan dan kecepatan akses pinjaman online menjadi faktor utama yang membentuk perilaku pinjaman Gen Z. Selain itu, paparan promosi semakin mendorong adopsi pinjaman, sementara rendahnya literasi keuangan meningkatkan kerentanan terhadap risiko finansial dan penumpukan utang. Temuan ini memberikan kontribusi teoretis terhadap pemahaman perilaku keuangan Gen Z di era digital. Secara praktis, penelitian ini menawarkan wawasan bagi regulator, penyedia layanan keuangan, dan pendidik untuk merancang strategi perlindungan konsumen, literasi keuangan digital, dan kampanye pinjaman bertanggung jawab yang lebih relevan bagi generasi muda.
Co-Authors Aditya Tri Nugroho Agus Purwanto Andriani, Meta Antyo Pracoyo Aprialy Angelica Ari Naomi Bilong Arie Kurniawati Batara M. Simatupang Batara Maju Simatupang Batara Simatupang Betari Gendis Wulandari Brilyan Wicaksono Cynthia A. Utama Denok Sunarsi Desta Atasyah Kornelys Enny Haryanti Erric Wijaya, Erric Fachry Ali Muzakki Fermico Karambut Gita Gayatri Hayu S. Prabowo Inggit Mawarsih Puspita Sari Januaria Jane Kahpi, Heri Sapari Lovita Fillyand Marissa Grace Haque Muhammad Iqbal Firdaus Muhammad Rifkhansyah Nuri Wulandari Paulina Paulina Pratami, Annisa Sekar Putriya, Anna Riana Rachdiaz Judha D Rakhmanto Satriowilakmo Rianto, Agustinar Merdekawati Rini Afriani Sinaga Sabrina, Manda Safira Safira Surachman Surjaatmadja Susi Susanti Margadewi Wasi Bagasworo Wulandari, Betari Gendis