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All Journal STI Policy and Management Journal MABIS: Manajemen dan Bisnis Jurnal Manajemen dan Kewirausahaan
Dewi Saraswati
Universitas Prasetiya Mulya
Economics, Econometrics & Finance Social Sciences

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Structural Equation Model: Intention To Use Mobile Banking of Bottom of Pyramid Customer Dian Kusumaningrum; Dewi Savitri Saraswati; Seprianus Seprianus
STI Policy and Management Journal Vol 4, No 1 (2019): STI Policy and Management
Publisher : Center for Science and Technology Development Studies, Indonesian Institute of Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1554.868 KB) | DOI: 10.14203/STIPM.2019.156

Abstract

The economy is shifting into the digital economy and to overcome it, the banking industry competes through innovation and digital strategy. Smartphone-based mobile banking is the key component of the digital strategy with 70% of the banks agree to focus their strategy on mass customer segment (PWC, 2017).The purposes of the study are to identify the predicting factors influencing the intention to use mobile banking and empirically validate a model explaining the behavioral intention to use it, especially on the Bottom of Pyramid (BOP) segment. The model used was Structural Equation Model (SEM) based on Partial Least Square (PLS). The data used for developing the model was based on a survey to 100 BOP households.The results of this study show that the variables that have the highest significant effect on BOP’s customer intention to use mobile banking are involuntary barriers, followed by perceived risk, and attitude. This result can be further used by researchers and mobile banking providers to evaluate the existing mobile banking services to improve its contribution in providing better market penetration and more appropriate financial services for BOP and ultimately financial inclusion in Indonesia.Keywords: Mobile Banking, Intention, Structural Equation Model
INDUSTRIAL VALUE CHAIN IN INDONESIA’S SME CREATIVE BUSINESS: AN EXPLORATION RESEARCH Ivan Evander Subagyo; Dewi Savitri Saraswati; Teddy Trilaksono
Journal of Management and Business Vol 18, No 1 (2019): MARCH 2019
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (347.116 KB) | DOI: 10.24123/jmb.v18i1.410

Abstract

The creative industry is currently growing very rapidly in developing countries. This is indicated by various government policies to increase the competitiveness of this industry. Value chains are needed to gain the competitive advantage within this industry at every additional step of the chain. However, there is no comprehensive research on the creative industry value chain in developing countries, such as Indonesia, especially in small and medium enterprises (SMEs). This study attempts to explore the concept of industrial chain values to narrow the gaps that exists in the literature. The research method used is a qualitative approach through semi-structured interviews and observations of 11 SMEs consisting of 5 creative business sub-sectors, namely the culinary, fashion, craft, photography, and visual communication design sectors. The results of this study indicate that, in creative industries, co- creation is the differentiator on the value chain activities, especially those that offer customization. Meanwhile, the use of social media is also considered as an important value chain activities that must be used to effectively communicate the value of the business. The results of this study can be used by stakeholders in Indonesian SMEs as a reference for formulating competitiveness strategies for this creative industry.
CLUSTER ANALYSIS OF FINANCIAL BEHAVIORS AND PREFERENCES AMONG THE BOTTOM OF THE PYRAMID GROUP Dewi Saraswati; Dian Kusumaningrum
Jurnal Manajemen dan Kewirausahaan Vol. 21 No. 1 (2019): MARCH 2019
Publisher : Management Study Program, Faculty of Business and Economics, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (628.577 KB) | DOI: 10.9744/jmk.21.1.51-63

Abstract

This study investigates the financial behavior and preferences of the bottom of the pyramid (BOP) group, and thus, contributes to the financial inclusion demand-side literature. A survey of 100 households was conducted. A cluster analysis was used to analyze the data and portray the characteristics of the BOP. Further analysis was conducted using chi-square and ANOVA tests. The results reveal three sub-groups within the BOP which consists of the very low, low, and medium. Financial behaviors are found to be indifferent among the sub-groups, except for savings allocations and financial planning. Households with a better economic condition are found to have a higher attention to use banking services. The financial literacy category indicates different attitudes in conducting long-term financial planning and service preferences. This result implies that financial literacy and adequate financial products are beneficial towards the financial inclusion of the BOP group.
Co-Authors Dian Kusumaningrum Ivan Evander Subagyo SATRIYAS ILYAS Seprianus Seprianus Teddy Trilaksono