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Analysis Of Innovation Attributes Towards Adoption Interest Of Syariah Bank E-Channel Facilities Euis Widiati; Budi Suharjo; Diah Krisnatuti
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 2 (2020): .
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v12i2.7130

Abstract

The growth of sharia banking in Indonesia which is considered slow. This study aims to analyse communication and attributes of innovation as well as the level of awareness, interest and desire of consumers in adopting e-channel of sharia banks. The data were obtained from 150 respondents selected by convenience sampling with the criteria of customers who have savings accounts both in conventional and sharia banks, and who have one of the e-channel facilities in conventional bank. The data were analysed using PLS. This study is a type of quantitative research. Respondents were taken from the entire population of conventional and sharia bank customers in Jabodetabek (Greater Jakarta). The data were obtained by face-to-face interviews using questionnaire tools. The results suggested that respondents are generally aware of the existence of e-channel facilities of sharia banks. Respondents' interest in e-channel is influenced by the strengthening of awareness regarding the benefits offered. The respondents' high interest continues to the next stage, which is the interest in using e-channels.
ANALISIS DESKRIPTIF ATAS LITERASI KEUANGAN PADA KELOMPOK TANI Minto Yuwono; Budi Suharjo; Bunasor Sanim; Rita Nurmalina
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 1 No 3 (2017)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.057 KB) | DOI: 10.24034/j25485024.y2017.v1.i3.2400

Abstract

Rendahnya tingkat keuangan inklusif Indonesia disebabkan oleh rendahnya tingkat keuangan inklusif dari 62% masyarakat Indonesia, dimana mayoritas bekerja pada sektor informal (diantaranya adalah petani). Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis secara deskriptif tingkat pengetahuan petani terkait keuangan atau literasi keuangan yang memungkinkan individu untuk membuat keputusan efektif. Penelitian dilakukan dengan menggunakan Structural Equation Modelling (SEM). Lokasi penelitian meliputi beberapa sentra pertanian di pulau Jawa meliputi 3 Provinsi  yakni meliputi Jawa Barat, Jawa Tengah dan Jawa Timur. Dalam mengelola keuangan baru sebagian kecil petani yang menggunakan lembaga keuangan baik untuk menyimpan maupun meminjam.  Untuk peminjaman dana dalam jumlah tertentu dan bersifat mendadak petani lebih mengandalkan pinjam dari teman atau keluarga/famili. Tidak lebih dari 6% petani yang merencanakan pengeluaran rumah tangga dan menjalankannya secara konsisten. Pada penelitian ini juga didapatkan bahwa terdapat hubungan yang significant dan positif antara pengetahuan terhadap lembaga keuangan dengan tingkat penggunaan produk lembaga keuangan. Semakin tinggi tingkat pengetahuan petani terhadap lembaga keuangan maka semakin tinggi pula tingkat penggunaan produk lembaga keuangan.
FACTORS AFFECTING DESIRE TO BUY ENVIRONMENTAL FRIENDLY PRODUCTS Judianto Hasan; Hartoyo .; Ujang Sumarwan; Budi Suharjo
Journal of Management and Business Vol 11, No 2 (2012): SEPTEMBER 2012
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (10040.468 KB) | DOI: 10.24123/jmb.v11i2.212

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This research examines factors which are mentioned in various literatures to have influence on desire to buy environmental friendly products. The factors are perceived attributes, personal characteristics and external factors. In this study the factors are put into a model which follows through awareness, interest and desire to buy and was also further analyze. Analysis was carried out using Structural Equation Modelling. This research found that external factor have influenced the desire to buy environmental friendly product. This factor is much more important than that of personal characteristic and perceived attributes.
Analisis Marketing Pharmaceutical Dalam Keputusan Dokter Meresepkan Kategori Obat Sri Hartono, Ujang Sumarwan, Budi Suharjo, Hartoyo
Jurnal Manajemen Vol. 18 No. 2 (2014): June 2014
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v18i2.505

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Faktor-Faktor yang diduga mempengaruhi dokter untuk meresepkan obat berdasarkan katagori obat (generik, branded generic dan paten) sebagai berikut Pasien Kondisi, Dianosis pasien, Marketing Mix, Pengaruh industri Farmasi, Peraturan, kondisi pasien, pengetahuan dan Motifikasi dokter.
Car Sharing in Marketing Alexander Joseph Ibnu Wibowo; Ujang Sumarwan; Budi Suharjo; Megawati Simanjuntak
Jurnal Manajemen Indonesia Vol 22 No 2 (2022): Jurnal Manajemen Indonesia
Publisher : Fakultas Ekonomi dan Bisnis, Telkom University.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/jmi.v22i2.4291

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The objective of this article is to explore several studies on Car Sharing (CS) in the marketing discipline. A total of 1,251 articles was collected from several journals in the Q1 Schimago category. Of these number 165 articles were chosen for research goals. A detailed investigation reduced this amount to 50 articles. The content analysis technique is applied by examining some key aspects, such as theme, authorship, research type, scope, and research design. The results of this study show that top-class journals have not published many articles about CS in the marketing discipline, but this does show an upward trend. Most articles are empirical papers. In general, the findings show a shift in the focus of CS studies in the marketing discipline over time. Keywords—Online transportation; Sharing economy; Car sharing; Marketing; Content analysis
Pola Faktor Keragaman pada Respons Dikrit Fitri Nurjanah; Budi Suharjo; Hadi Sumarno
Jambura Journal of Mathematics Vol 5, No 1: February 2023
Publisher : Department of Mathematics, Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1700.194 KB) | DOI: 10.34312/jjom.v5i1.15556

Abstract

In social research, respondents are usually given several questions or indicators for assessment. Responses between respondents may differ even if the same questions or indicators are given. This is one of the causes of the diversity of responses. The diversity of responses is one of the factors that cause response bias in conducting social research. The diversity of responses can come from differences in the thought processes of each respondent. There are three main aspects in the thought process, namely cognition, affection, and conation. This paper aims to analyze the source of the diversity of responses in the aspects of cognition, affection, and conation. The first thing to do in this research is to design a questionnaire by developing indicators into three aspects (cognition, affection, and conation). The study involved 100 respondents using OVO with a purposive sampling method. Respondents assess indicators of aspects of cognition, affection, and conation. The assessment options given are discrete assessments 1-5 with a description of the assessment adjusted to the indicators. Then, the respondent's assessment data were analyzed by calculating the standard deviation, analysis of variance, further test (Tukey HSD) and the distribution of the assessment of each indicator. The main result obtained is that there are three consecutive indicators with the largest standard deviation values in each aspect. These indicators are the source of the diversity of responses in aspects of cognition, affection, and conation. The results of the analysis also show that the conation aspect is the most diverse aspect with the largest standard deviation value. This research is useful as a reference for making social research questionnaires in measuring aspects related to cognition, affection, and conation.
Particularity and universality: The role of religious and nationality values in the formation of political values of university students Diah Kusumawati; Rachma Ida; Budi Suharjo
Masyarakat, Kebudayaan dan Politik Vol. 36 No. 2 (2023): Masyarakat, Kebudayaan dan Politik
Publisher : Faculty of Social and Political Science, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/mkp.V36I22023.260-277

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The discourse of Islamism in Indonesia in the last ten years has been closely associated with the term radical Islam. In previous studies among students, this term has been often contrasted with nationality values concerning democracy, tolerance, and support for the Unitary State of Indonesian Republic (Known as NKRI). This study aimed to find the particularity and universality of individual political values among university students. This research argued that religious and nationality values become part of individual political values. This research used a quantitative method involving 208 respondents of university students at a state university. The data were analysed using cluster and discriminant analysis to identify the discursive conditions of university students. This research generated three clusters. Cluster 1 is the political tolerant, social media savvy of politics, financially unsatisfied. Cluster 2 is the non-political religious. Cluster 3 is the political religious enthusiast, social media savvy of politics. The three clusters have diversities in terms of interest in politics, the use of social media for political issues and activities, and religious values. However, the three clusters have similarities in nationality values. This research also shows that there is a relationship between political values and the faculty; a correlation between political values with political figures and political parties.
PENERAPAN MODEL PERSAMAAN STRUKTURAL UNTUK EVALUASI KUALITAS KINERJA BIMBINGAN KONSELING SMA NEGERI 1 DRAMAGA Akmal Taufik; Budi Suharjo; Hadi Sumarno; N. K. Kutha Ardana; Abdur Rohman; Ali Kusnanto; Paian Sianturi
MILANG Journal of Mathematics and Its Applications Vol. 20 No. 1 (2024): MILANG Journal of Mathematics and Its Applications
Publisher : Dept. of Mathematics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/milang.20.1.31-42

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Bimbingan konseling (BK) pada jenjang pendidikan SMA memiliki peran penting dalam memberikan layanan konsultasi akademik maupun non akademik kepada para siswa. Oleh karenanya, kemampuan dan kepribadian guru BK, serta fasilitas penunjang yang memadai sangat diperlukan. Penelitian ini bertujuan membangun model empiris untuk mengevaluasi kinerja layanan BK berbasis kepuasan siswa, terhadap faktor-faktor yang memengaruhi kualitas kinerja BK SMA Negeri 1 Dramaga. Penelitian ini melibatkan 125 siswa dengan cara mengisi kuesioner secara online. Pendugaan parameter model dilakukan menggunakan Structural Equation Model (SEM). Tingkat kepuasan siswa secara keseluruhan terhadap layanan BK sebesar 94%. Kemampuan Guru BK dan program kerja konsultasi memiliki peran dominan dalam memengaruhi kepuasan. Layanan informasi BK berpengaruh positif terhadap kepuasan, sedangkan faktor kepribadian, fasilitas ruang diskusi, dan program kerja klasikal berpengaruh negatif terhadap kepuasan siswa. Upaya untuk meningkatkan kualitas kinerja BK SMA Negeri 1 Dramaga diprioritaskan melalui peningkatan kinerja program kerja klasikal dengan memperbaiki kualitas penyampaian informasi seputar perguruan tinggi.
The The Effect of E-Service Quality Through Customer Satisfaction and Customer Trust on Customer Loyalty of Klikindomaret Users Dayinta Fitriani Agritika; Hartoyo; Budi Suharjo
Indonesian Journal of Business and Entrepreneurship (IJBE) Vol. 10 No. 1 (2024): IJBE, Vol. 10 No. 1, January 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.1.203

Abstract

A change in consumer behavior that increasingly uses digital systems in shopping encourages companies to implement an omnichannel sales system, as well as Indomaret. Meanwhile, the increasing number of retailers adopting the online system will lead to the emergence of competition between sellers, so customer loyalty has an important role. In running a business online, service quality is known to influence customer satisfaction and customer shopping behavior. This study aims to analyze the effect of e-service quality on customer loyalty in using Klik Indomaret. This research was conducted on 350 respondents who had used Klik Indomaret for the last six months and were domiciled in Jabodetabek. Data was collected using a snowball sampling technique with a questionnaire distributed online. The method used in this research is structural equation modeling (SEM). The results of the study show that e-service quality has a significant direct effect on customer satisfaction and trust. Furthermore, customer satisfaction also has a significant direct effect on customer trust. Increasing customer satisfaction and trust will also increase customer loyalty in shopping through Klik Indomaret. Managerial implications that can be applied by companies to increase customer loyalty include improving KlikIndomaret's e-service quality so that customer satisfaction and trust in e-commerce increase. In addition, the majority of KlikIndomaret's customers are Generation Z and millennials, so information and promotions will be delivered more effectively through message services and social media by using digital marketing. Keywords: customer loyalty, customer satisfaction, customer trust, e-service quality, SEM
Service Model Loyalty for School Yearbook Production at PT XYZ Luni Aulia Safwani; Hartoyo; Budi Suharjo
Indonesian Journal of Business and Entrepreneurship (IJBE) Vol. 10 No. 3 (2024): IJBE, Vol. 10 No. 3, September 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.3.518

Abstract

Background: Customer loyalty is a crucial aspect in the world of business and marketing, influencing sales, brand reputation, and company profits. The focus on customer loyalty is increasingly becoming a priority for many companies, including PT XYZ, a creative design company specializing in the production of School Yearbooks. Purpose: This research aims to identify the level of satisfaction and loyalty among PT XYZ customers, analyze the influence of marketing mix and service quality on customer satisfaction and loyalty, and formulate managerial implications for enhancing satisfaction and loyalty. Design/methodology/approach: The study involves 200 respondents purposively selected from 373 users of PT XYZ's services. Data collection was done through self-completion by respondents using an online questionnaire via Google Forms. Data analysis was conducted using modeling techniques that explain the relationship between loyalty, customer satisfaction, and the performance of the marketing mix and service quality. The estimation of model coefficients used the SEM-PLS rule. Descriptive analysis results indicate high satisfaction with the final product outcomes, while high loyalty is reflected in repeat purchases and recommendations to others. Findings/Result: The research findings show that all attributes of the marketing mix have a direct impact on customer satisfaction and loyalty. On the other hand, service quality has a direct impact on customer satisfaction but an indirect impact on loyalty, with customer satisfaction acting as a mediator. Conclusion: Managerial implications that can be formulated include improving marketing in Java Island, implementing marketing strategies through social media, maintaining consistency in product quality, enhancing service quality, implementing co-creating processes, and establishing a customer service division. These efforts are expected to address declining revenue and maintain customer loyalty for PT XYZ.Originality/value (state of the art): This study uniquely explores customer satisfaction and loyalty in the niche market of school yearbook production. It integrates the marketing mix and service quality, using SEM-PLS to analyze their impacts. The research fills a gap by providing actionable insights specifically for creative design businesses, offering practical strategies to enhance customer loyalty and business performance. Keywords: consumer loyalty, customer satisfaction, marketing mix, service quality, School Yearbooks
Co-Authors Abdur Rohman Abdur Rohman Agus Maulana Agus Wijaya Soehadi Ahmad Fauzi ahmad yani Aida Vitayala Hubeis Akmal Taufik Alexander Joseph Ibnu Wibowo Alexandi, Muhammad Findi Ali Kusnanto Amiruddin Saleh Andreas Setya Nugraha Ani Suryani Ani Suryani Ardana, N. K. Kutha Ayudya Dhiranty Bunasor Sanim Bunga Ayu Lestari Dadang Sukandar Darwin Kadarisman Dayinta Fitriani Agritika Diah Krisnatuti Diah Kusumawati Dini Agustina Djoko Agus Purwanto Endi Rekarti, Endi Ervina Aprianti Euis Widiati Fitri Nurjanah Gendut Suprayitno Gendut Suprayitno Hadi Sumarno Hadi Sumarno Hartoyo Hartoyo Hartoyo Hartoyo . Hartoyo Hartoyo Hartoyo Hartoyo Heny K Daryanto Herry Purnomo Hidayat, Adhi Nur Indarto Setiawan Irawan, R.Rudy Isbandriyati Mutmainah Istiqlaliyah Muflikhati Istriningsih Jenny Emile Paulina Marpaung Jimmy Rusma Joko Rurianto Judianto Hasan Kirbrandoko Kirbrandoko Lilik Noor Yuliati Luni Aulia Safwani Ma'mun Sarma Maria Tri Rahayu Mastika Wardhani Megawati Simanjuntak Merianti Minto Yuwono Muchlis Ahmady Muhammad Rizki Muhammad Syamsun Muhammad Syamsun Mukhamad Najib Mukhammad Najib Musa Hubeis N. K. Kutha Ardana Naomi Dongoran Nur Hasanah Nur Sokib Nurul Huda Nurwansyah, Alvin Paian Sianturi Palupi, Nurheni Sri R. Rudy Irawan Rachma Ida Ragil Asma Saputra Rangga Jayanti Rantetoding Ririn Wulandari Rita Nurmalina Rita Nurmalis Rizky Amelia Saifullah, Rikza Sapta Raharja Setiadi Djohar Setiadi Djohar Setiadi Djohar Setiadi Djohar Setiawan, Teguh Febrianto Siti Kipdiyah Sitorus, Friska Soselisa, Jack Absalom Sumarlin, Antonius Widyatma Tantri Ryanthi Taufik, Akmal Tuanaya, Syarief Hidayat Ujang Sumarwan Wilson H. Limbong Yudha Heryawan Asnawi Yudhy Kristiawan Yuli Harwani Yulita Veranda Usman Yuwono Minto