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Pengaruh Brand Association, Nutrition Label, dan Trust Terhadap Perilaku Pasca Pembelian Produk Cimory Yogurt Okky Pramudya Wardana; Mintarti Indartini; Ahadiati Rohmatiah
JURNAL EKOMAKS Jurnal Ilmu Ekonomi Manajemen dan Akuntansi Vol. 15 No. 1 (2026): Jurnal EKOMAKS
Publisher : Universitas Merdeka Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33319/jeko.v15i1.259

This study aims to analyze the partial and simultaneous influence of brand association, nutrition labels, and trust on the post-purchase behavior of Cimory Yogurt products in the Ngawi District. This type of research is quantitative, with primary data sources covering a sample of 384 respondents. Data was collected through questionnaires and analyzed using multiple linear regression, with data analysis techniques including the t-test, F-test, and the coefficient of determination (R²). The results of the study indicate that partially, brand association, nutrition labels, and trust each have a positive and significant influence on the post-purchase behavior of Cimory Yogurt products in the Ngawi District. Simultaneously, these three variables are also proven to have a significant influence on the post-purchase behavior of Cimory Yogurt products in Ngawi District. These findings indicate that positive brand associations, clear nutritional information, and consumer trust are key factors driving loyalty and repeat purchases.

Market Structure, Conduct, and Performance of Indonesian Banking Industry Mohammad Sofyan; Mintarti Indartini; Amikul Pricilia Maswati Dewi
Journal of Business & Banking Vol 15 No 2 (2025): November (2025) - April (2026)
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414//jbb.v15i02.5591

This study examines the interrelationship between market structure, bank conduct, and financial performance in Indonesia’s commercial banking industry using the Structure–Conduct–Performance (SCP) framework. The analysis focuses on the four largest banks—BCA, BRI, Mandiri, and BNI—over the period 2015–2024, representing a highly concentrated oligopolistic market. Using a balanced panel dataset and fixed-effects regression, this study investigates whether structural dominance, proxied by bank size, influences lending behavior and profitability. The results show that bank size has a positive and significant effect on credit distribution, indicating that larger asset bases enhance intermediation capacity. Credit distribution, in turn, significantly improves profitability as measured by Return on Assets (ROA). However, the direct effect of size on ROA is negative and significant, suggesting the presence of diseconomies of scale. These findings imply that while market structure determines conduct, financial performance is driven more by managerial efficiency and effective credit allocation than by structural dominance alone. The study concludes that the SCP paradigm operates sequentially but not symmetrically in Indonesia’s concentrated banking market. Policy implications emphasize the importance of operational efficiency and credit quality management alongside structural oversight

Pengaruh Aplikasi EBranch Terhadap Efektivitas dan Efisiensi Pelayanan Teller di Bank BCA KCU Kediri Deani Puspa Rolanda; Mintarti Indartini; Mutmainah
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 5 No. 1.1 (2026): SPECIAL ISSUE — AUGUST 2026
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh Aplikasi eBranch (X) terhadap Efektivitas Pelayanan Teller (Y1) dan Efisiensi Pelayanan Teller (Y2) di Bank BCA KCU Kediri, serta menguji peran mediasi Efektivitas Pelayanan Teller. Penelitian ini menggunakan pendekatan kuantitatif asosiatif kausal. Penentuan sampel menggunakan teknik purposive sampling dengan jumlah responden sebesar 100 nasabah aktif. Pengumpulan data dilakukan melalui penyebaran kuesioner, sedangkan analisis data dieksekusi melalui metode analisis Jalur (Path Analysis) dan Uji Sobel. Hasil penelitian menunjukkan bahwa aplikasi eBranch berpengaruh positif dan signifikan terhadap Efektivitas Pelayanan Teller. Namun, aplikasi eBranch terbukti tidak memiliki pengaruh langsung yang signifikan terhadap Efisiensi Pelayanan Teller. Sebaliknya, Efektivitas Pelayanan Teller terbukti berpengaruh positif dan signifikan terhadap Efisiensi Pelayanan Teller. Berdasarkan hasil perhitungan uji Sobel, kesimpulan utama dari penelitian ini mengungkap adanya fenomena mediasi penuh (Full Mediation). Hal ini secara tegas membuktikan bahwa Efektivitas Pelayanan Teller mampu memediasi pengaruh aplikasi eBranch terhadap Efisiensi Pelayanan Teller. Implementasi aplikasi pra-transaksi digital mutlak membutuhkan profesionalisme kecepatan layanan dari petugas konter di lapangan agar efisiensi pemangkasan waktu antrean nasabah dapat tercapai secara maksimal.

Market Structure, Conduct, and Performance of Indonesian Banking Industry Mohammad Sofyan; Mintarti Indartini; Amikul Pricilia Maswati Dewi
Journal of Business & Banking Vol 15 No 2 (2025): Volume 15 Nomor 2
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414//jbb.v15i02.5591

This study examines the interrelationship between market structure, bank conduct, and financial performance in Indonesia’s commercial banking industry using the Structure–Conduct–Performance (SCP) framework. The analysis focuses on the four largest banks—BCA, BRI, Mandiri, and BNI—over the period 2015–2024, representing a highly concentrated oligopolistic market. Using a balanced panel dataset and fixed-effects regression, this study investigates whether structural dominance, proxied by bank size, influences lending behavior and profitability. The results show that bank size has a positive and significant effect on credit distribution, indicating that larger asset bases enhance intermediation capacity. Credit distribution, in turn, significantly improves profitability as measured by Return on Assets (ROA). However, the direct effect of size on ROA is negative and significant, suggesting the presence of diseconomies of scale. These findings imply that while market structure determines conduct, financial performance is driven more by managerial efficiency and effective credit allocation than by structural dominance alone. The study concludes that the SCP paradigm operates sequentially but not symmetrically in Indonesia’s concentrated banking market. Policy implications emphasize the importance of operational efficiency and credit quality management alongside structural oversight

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