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ITA RAHMAWATI
UNIVERSITAS KH. A. WAHAB HASBULLAH
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Public Health Social Sciences Veterinary Other

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THE The Influence Of Discounts, Promotions And Consumer Trust On Purchase Decisions On Shopee Application Users (Student Study Of Management Faculty Of Economics Kh.A.Wahab Hasbullah University Jombang) Ita Rahmawati; Lailatus Sa’adah; Liweul Wilayah
International Journal of Business and Quality Research Vol. 1 No. 04 (2023): October - December, International Journal of Business and Quality Research (IJ
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v1i04.514

Abstract

Banyaknya pengguna internet khususnya di Indonesia memberikan peluang atau kesempatan yang besar bagi para pelaku bisnis untuk menciptakan belanja online. Penelitian ini bertujuan untuk mengetahui pengaruh promosi diskon, dan kepercayaan konsumen serta promosi terhadap keputusan pembelian. Populasi dalam penelitian ini adalah mahasiswa manajemen Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah Jombang menggunakan Shopee. Metode penelitian kuantitatif digunakan dalam penelitian ini. Sumber data yang digunakan adalah data primer. Pengumpulan data dilakukan dengan menyebarkan kuesioner kepada 140 responden. Pada penelitian ini teknik analisis yang digunakan adalah regresi linier berganda dengan bantuan software SPSS versi 26.0. Dari hasil penelitian ini terungkap bahwa variabel discount, promosi dan kepercayaan konsumen secara simultan dan parsial berpengaruh signifikan terhadap keputusan pembelian shoser mahasiswa manajemen Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah. Dari penelitian ini variabel yang paling dominan adalah promosi sebesar 5,975%.Abstrak The large number of internet users, especially in Indonesia, provides a great opportunity or opportunity for business people to create online shopping. This study aims to determine the effect of promotional discounts, and consumer trust and promotions on purchasing decisions. The population in this study were management students at the Faculty of Economics, University of KH. A. Wahab Hasbullah Jombang uses Shopee. Quantitative research method used in this study. The data source used is primary data. Data was collected by distributing questionnaires to 140 respondents. In this study, the analysis technique applied was multiple linear regression with the help of SPSS version 26.0 software. From the results of this study, it was revealed that the variables of discount, promotion and consumer trust simultaneously and partially have a significant effect on the purchase decision of Shopee users for management students at the Faculty of Economics, KH University. A. Wahab Hasbullah. From this study the most dominant variable is promotion.
STUDI EVALUATIF ATAS KINERJA KEUANGAN PERUSAHAAN ASURANSI PT LIPPO GENERAL INSURANCE TBK DENGAN PENDEKATAN EARLY WARNING SYSTEM Andri Tiansyah; Ita Rahmawati
E-Jurnal Manajemen Vol. 14 No. 8 (2025)
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJMUNUD.2025.v14.i8.p04

Abstract

Asuransi merupakan lembaga keuangan non-bank yang bergerak di bidang jasa dan berperan penting dalam mengantisipasi risiko melalui perlindungan finansial. Di tengah perlambatan pertumbuhan ekonomi nasional, industri asuransi jiwa tetap mencatat pertumbuhan positif. Penelitian ini bertujuan untuk menganalisis kinerja keuangan PT Lippo General Insurance Tbk selama periode 2019–2023 menggunakan pendekatan Early Warning System yang mencakup rasio solvabilitas, profitabilitas, likuiditas, stabilitas premi, dan rasio teknikal. Sampel dipilih berdasarkan ketersediaan laporan keuangan tahunan yang disusun dalam satuan rupiah selama periode tersebut. Analisis data dilakukan secara deskriptif dengan menggunakan rasio-rasio keuangan untuk menilai kinerja perusahaan. Hasil penelitian menunjukkan bahwa tingkat solvabilitas menurun signifikan dengan rasio solvency margin hanya mencapai 28 persen pada Tahun 2023, jauh di bawah standar minimum yang direkomendasikan. Dari sisi profitabilitas, rasio underwriting turun hingga 5 persen, mencerminkan rendahnya efisiensi dalam menghasilkan keuntungan dari premi. Rasio likuiditas tercatat 19 persen, mengindikasikan potensi kendala dalam memenuhi kewajiban jangka pendek. Pendapatan premi mengalami penurunan tajam sebesar -42 persen pada 2021, dan rasio kewajiban teknis menurun ke 65 persen di 2023, menunjukkan kurang optimalnya cadangan dalam menutup kewajiban masa depan. Hasil ini menjadi acuan evaluasi kinerja sesuai peraturan OJK.   Insurance is a non-bank financial institution that plays an important role in managing risk through financial protection. Amid slowing national economic growth, the life insurance industry continues to show positive development. This study analyzes the financial performance of PT Lippo General Insurance Tbk from 2019 to 2023 using the Early Warning System approach, which includes solvency, profitability, liquidity, premium stability, and technical ratios. The sample was selected based on the availability of annual financial reports in rupiah. Descriptive analysis using financial ratios was conducted to evaluate performance. The results show a significant decline in solvency, with the solvency margin ratio at only 28 percent in 2023—far below the recommended minimum. Profitability also weakened, as the underwriting ratio dropped to 5 percent, showing inefficiency in generating premium-based profits. The liquidity ratio stood at 19 percent, suggesting difficulties in meeting short-term obligations. Premium income dropped sharply by 42 percent in 2021, and the technical liability ratio fell to 65 percent in 2023, indicating suboptimal reserves for future claims. These findings can serve as a reference for evaluating financial performance according to OJK regulations.
Analyzing the Driving Factors of Purchase Intention at Ayam Goreng Nelongso Restaurant: A Quantitative Study on Customer Experience and Price Ita Rahmawati; Aldi Kurniawan; Lailatus Sa'adah
INCOME: Innovation of Economics and Management Vol. 5 No. 1 (2025): June
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i1.5858

Abstract

This research was conducted to analyze and determine the influence of customer experience and price on purchase intention at the Ayam Goreng Nelongso restaurant in Jombang. The study employed a quantitative associative method with a causal approach. This causal associative quantitative research aims to assess the extent of the cause-and-effect relationship between customer experience and price on purchase intention. The population targeted in this study includes all customers of the Ayam Goreng Nelongso restaurant, with a sample size of 100 respondents selected through purposive sampling. Data collected via questionnaires were analyzed using statistical tests processed with SPSS version 22. The results of the T-test conducted on both the customer experience and price variables indicate that each significantly influences customers' purchase intention toward the offerings at Ayam Goreng Nelongso. These findings highlight the importance for the restaurant not only to compete on pricing but also to deliver positive sensory and emotional experiences to maintain customer loyalty. Furthermore, the simultaneous test results demonstrate a significant combined effect of customer experience and price on purchase intention, with the F-test showing that the calculated F-value 39.524 > 3.09. Using a significance level of 0.05, the test yielded a p-value of 0.000 > 0.05. The findings confirm that a positive customer experience and fair price perception significantly enhance consumers' intention to purchase.
Co-Authors Ahmad Baihaqiyullah Asazilli Islam Akhmad Taqiyuddin Aldi Kurniawan Andri Tiansyah Bekti Widyaningsih Febri Devita Lisgita Putri Fingky Zulias Tari Hidayatur Rohmah Indah Lestari Setya N Khotim Fadhli Laila Rohmatun Nazila Lailatus Sa'adah Lailatus Sa’adah Lailatus Sa’adah Liweul Wilayah Mahendri, Wisnu Martina Martina Mohammad Ali Rosyid Muhammad Farid Nasrulloh Nasikhatu Rosalina Naufal Dhiyaaulhaq NURUL ISNAINI Tyas Nur’Aini Wahyu Setyo Ningsih