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All Journal Journal of Business & Banking Ekomaks : Jurnal Ilmu Ekonomi, Manajemen, dan Akuntansi Jurnal Daya Mas : Media Komunikasi dan Informasi Hasil Pengabdian dan Pemberdayaan Masyarakat JAMER Literasi: Jurnal Pengabdian Masyarakat dan Inovasi International Journal of Business and Quality Research
Mintarti Indartini
Management Study Program, Faculty Of Economics, Universitas Merdeka Madiun, Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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

Abstract

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

Abstract

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
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): October 2025 - April 2026
Publisher : Universitas Hayam Wuruk Perbanas

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

Abstract

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
Co-Authors Ahadiati Rohmatiah Ahadiati Rohmatiah Amikul Pricilia Maswati Dewi Arini Wildaniyati Budiarti Choirum Rindah Istiqaroh Deani Puspa Rolanda Dian Pratiwi Dian Pratiwi Dina Nur Halisa Djuwitawati Ratnaningtyas Dyah Yuni Lestari Endang Edi Rahayu Hafizh Reyhan Yafi Handaru Agnyana Hartirini Warnaningtyas, Hartirini Hasna Aqilah Junila Putri Henry Windrianto Darmoko Jefri Dwi Herdiyansyah Michael Trisna Putra ML Endang Edi Rahayu MOHAMMAD SOFYAN Muhammad Imron Mutmainah Mutmainah . Novy Rachma novy rachma herawati Nurharibnnu Wibisono Okky Pramudya Wardana Very Bangun Sulistyo Wibisono, Nurharibnu Widya Purnamasari