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All Journal JURNAL SAINS PEMASARAN INDONESIA Diponegoro Journal of Management Jurnal Ilmiah Ekonomi Islam EKONOMIS : Journal of Economics and Business Jurnal Organisasi Dan Manajemen Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan DIJB (Diponegoro International Journal of Business) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) International Journal of Economics Development Research (IJEDR) Indicators : Journal of Economic and Business Asian Management and Business Review Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Proceeding of the International Conference on Family Business and Entrepreneurship (ICFBF) Industrial Research Workshop and National Seminar Journal of International Conference Proceedings e-Jurnal Apresiasi Ekonomi Research Horizon Economic and Business Horizon
I Made Sukresna
Departemen Manajemen Fakultas Ekonomika Dan Bisnis Universitas Diponegoro
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Social Sciences Other

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Journal : Research Horizon

 1 
Utilization of Digital Banking Services for Generation Z Economic Sustainability Abdillah, Aris; Basuki, Hari; Santoso, Wibowo Iman; Sukresna, I Made; Indriani, Farida
Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.4.2024.298

Abstract

Digitalization in banking has changed the way banks operate and interact with their customers. Starting with the emergence of ATM machines, then developing into internet banking and mobile banking, and now comes with various e-wallet and fintech applications that offer convenience in transactions. Generation Z as digital native really benefits from this development because they can easily take advantage of the digital services provided by banks to support their transactions. Even so, not many Gen-Z realize the importance of utilizing banking products for their future (both for investment and protection) because they tend to have impulsive consumption behaviour. Many factors cause a lack of awareness of the need to do investment and to have protection, one of which is their low financial literacy. This article aims to identify and analyse the benefits of digital banking services in three main aspects: transactions, savings, investment, and protection. With a focus on generation Z in Indonesia, this article will discuss how these services can support future economic sustainability. This article was prepared using a literature study method by analysing previous scientific articles that discussed the topic of digital banking and its implications for economic growth and financial stability from the perception of Generation Z.
Potential For Financing New Renewable Energy Solar Energy in Supporting Green Banking Rahman, Yuwanda; Syarifudin, Faiz; Mardiyah, Meicicho; Sukresna, I Made
Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.4.2024.310

Abstract

Indonesia, with great potential in the use of solar energy due to its position at the equator, has significant opportunities in developing the renewable energy sector. This journal will explore the potential of solar energy financing in supporting green banking initiatives in Indonesia. Through an analysis of government policies, economic benefits and environmental impacts, this journal and journal highlights how solar energy can contribute to sustainable development and carbon emission reduction. The banking sector has a key role in providing various financing products for solar energy projects. These products include green investment loans, People's Business Loans for small and medium enterprises and the issuance of green bonds. Solar energy financing is not only profitable from an environmental perspective but also offers portfolio diversification and improved bank image. The journal identifies key challenges in the implementation of solar energy financing, such as high initial costs and lack of public understanding as well as offering solutions such as education and attractive financing schemes. By harnessing the potential of solar energy, banks in Indonesia can support the transition to a green economy and contribute to climate change mitigation.
The Effect of Price Perception, Product Reviews, and Product Appearance on Purchasing Decisions Rijal, Khusnur; Sukresna, I Made
Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.4.2024.318

Abstract

In 2023 Shopee will be the marketplace with the most visitors in Indonesia (January-December 2023). In that period Shopee recorded around 2.3 billion visits, far surpassing its competitors. Shopee not only wants to create a better life through technology, but also has a mission to address environmental issues and support environmental sustainability. This research aims to determine price perceptions, product reviews and product appearance on purchasing decisions through trust as an intervening variable, with a focus on Shopee consumers in Pekalongan City. The sampling technique used non-probability sampling technique with 120 respondents who met the criteria. The data analysis technique in this research is Structural Equation Modelling (SEM) which is measured through AMOS (Analysis of Moment Structure) tools or applications. The results of this research show that price perceptions, product reviews, and product appearance significantly influence purchasing decisions through trust as an intervening variable for Shopee consumers in Pekalongan City. These findings emphasize the importance of increasing perceived price appropriateness, obtaining good product reviews, and presenting consumers with an attractive product appearance to strengthen trust and influence purchasing decisions.
Customer Interest in Saving with Easy Mobile Banking to Support Green Marketing Ekaputri, Alya Maherka; Dani, Akhmad Nur; Sukresna, I Made; Indriani, Farida
Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.4.2024.330

Abstract

This study aims to analyze the significance of influence between display design, trust, and easy on customer interest in using mobile banking to support green marketing. The problem is increasing in QRIS transaction volumes in Central Java in 2023 by 301.70%, in addiction mobile banking has an impact on increasing e-commerce transactions by 10.66%. This can reflect the wishes of customers with bank operations at all times using fully digital. A drastic increase will have an impact on the continuity of banking operations and risks. The data used are primary data using questionnaires. The population in 8this study is all banking customers who use mobile banking. Sample in research is all customers domiciled in Semarang, with the age of over 20 years old who use mobile banking with purposive sampling techniques. The analysis model of multiple linear regression analysis test is processed SPSS 25.00. The results of and discussion show that design, trust, and convenience simultaneously have a significant effect on customer interest in using mobile banking in supporting green marketing. While convenience partially has a significant effect on customer interest in using mobile baking in supporting green marketing.
Transforming MSMEs Towards Sustainable Growth: A Study of Economic Empowerment Dinata, Amet Candra; Octavian, Yayan; Sukresna, I Made; Mahfudz
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.410

Abstract

Empowering the regional economy as an economic foundation through the development of Micro, Small and Medium Enterprises (MSMEs) play a strategic role in promoting inclusive and sustainable economic growth at the regional level. This research aims to examine the success of MSMEs in Pasar Badung and analyze MSME development strategies to enhance local economic empowerment. The study employs a descriptive approach to analyze workforce trends in MSMEs during the 2020-2023 period, with data collection through in-depth interviews with MSME actors and relevant stakeholders. The findings reveal that MSMEs in Pasar Badung face various challenges in their development, including resource limitations, restricted market access, and resistance to change. Nevertheless, through strengthening human resource capacity and implementing appropriate marketing strategies, MSME actors can overcome these challenges and achieve sustainable growth. This research contributes to understanding the significance of MSMEs in strengthening local economies and regional development. The study also emphasizes the urgency of empowerment policies and programs that can drive MSME growth and improve community welfare.
The Effect of Digital Payments on Financial Inclusion in Rural West Java Nagara, Agung Satya; Sukaryono, Adilaksana; Sukresna, I Made
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.417

Abstract

In today's digital era, financial inclusion is one of the main challenges, especially in rural areas of Indonesia, which still face limited access to financial services. With only 70.13% of the rural population financially included, many people remain dependent on the informal sector, which often falls short of meeting optimal financial needs. Amid these challenges, digital payment technology emerges as a promising solution to bridge the financial access gap. This study examines the impact of digital payments on financial inclusion in rural West Java, using a quantitative survey method through questionnaires distributed to digital payment users. The analysis results indicate that the use of e-wallets and QR payments significantly increases community access to financial products and services. This research provides valuable insights for policymakers and stakeholders in designing more effective strategies to enhance financial inclusion in rural areas, thereby promoting economic growth and overall community well-being.
Designing an Optimal Education and Training Model for Relationship Managers in the Digital Era Hidayat, Dayu Nur; Restiandi, Andri; Sukresna, I Made
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.450

Abstract

The development of digital technology and changes in consumer behavior have encouraged the banking sector, including Bank Rakyat Indonesia (BRI), to adapt by improving the quality of human resources (HR In this context, it is important to design an optimal education and training model for BRI employees, especially RM Briguna, to be able to compete in the digital era. This study aims to evaluate the education and training needs of BRI Briguna RM in the digital era and and design a model that aligns with the specific characteristics and needs of workers, particularly in the eastern region of Indonesia. The method used in this study is a qualitative approach through literature studies, which includes an analysis of various education and training models applied in the banking sector, as well as a review of best practices in HR development. The results of the study indicate that effective training models include competency-based training, on-the-job training, e-learning, blended learning, and gamification. Each model has advantages and limitations that need to be considered in its design. Evaluation of existing training programs indicates the need for adjustments to the curriculum and methods to ensure relevance to industry needs and current technological developments. The optimal education and training model must be flexible, innovative, and in accordance with the specific needs of employees. Investment in HR development and partnerships with educational institutions will be the key to BRI's success in facing challenges in the digital era. By implementing the right model, BRI can build a competent and adaptive workforce, especially RM Briguna in the eastern region of Indonesia, ready to contribute to the company's progress.
Digital Banking for Empowerment: How Technology Shapes the Financial Behavior of Millennials Kurniawan, Novan; Satyarini, Yuane; Sukresna, I Made; Mahfudz
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.451

Abstract

This study investigates the impact of digital banking on the financial behavior of millennials. Utilizing a literature review methodology, the research compiles and analyzes findings from various studies exploring the relationship between digital banking services and millennials' financial management practices. The results indicate that digital banking significantly enhances accessibility to financial services, encouraging millennials to engage more actively in budgeting, saving, and investing. Furthermore, factors such as convenience, security, and financial literacy play critical roles in the adoption of these technologies. The contribution of this research lies in providing valuable insights for financial institutions to tailor products and services that meet the needs of the younger generation, while emphasizing the importance of financial education to maximize the benefits of digital banking.
Marketing Relations Performance Behavior in Value Chain Based Credit Initiative Utomo, Bagus Satrio; Widoningrum, Luluk Nastiti; Raharjo, Susilo Toto; Sukresna, I Made
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.458

Abstract

Value Chain Financing (VCF) is a financing approach that leverages financial instruments, practices, and technology to optimize the management of working capital and liquidity throughout the value chain process, involving the parent company, supplier companies, distributors, or agents as end users. By effectively utilizing data, Bank BRI can enhance its financial performance, strengthen its competitive position, and deliver added value to customers. For the marketing staff at Bank BRI in the Jakarta 2 Regional Office, particularly in the context of the retail loan business, this database plays a pivotal role in formulating strategies to improve performance in credit initiatives based on the Value Chain database. In the retail loan sector at Bank BRI, the value chain database significantly contributes to improving efficiency, effectiveness, and service quality. This study adopts a qualitative approach to explore and gain insights into the marketing performance behavior at the Jakarta 2 Regional Office, specifically in relation to the execution of value chain-based credit initiatives. The aim of this research is to examine how the Value Chain Database can enhance the performance of the marketing staff at Bank BRI in the Jakarta 2 Regional Office, enabling them to devise strategies that improve marketing outcomes, supported by value chain-based credit initiatives.
The Impact of Digital Payments on Financial Inclusion in Rural Areas Yuko, Mohammad; Suratin, Mochammad; Mahfudz; Sukresna, I Made
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.459

Abstract

In the modern digital era, achieving financial inclusion remains a significant challenge, particularly in rural areas of Indonesia, where access to financial services is still limited. With only 70.13% of the rural population financially included, a substantial portion of individuals continue to rely on the informal financial sector, which often fails to meet their financial needs effectively. In response to these challenges, digital payment technology has emerged as a viable solution to bridge the gap in financial access. This study investigates the impact of digital payments on financial inclusion in rural East Java, employing a quantitative survey approach through questionnaires administered to digital payment users. The findings reveal that the adoption of e-wallets and QR payments significantly enhances community access to financial products and services. These results offer valuable insights for policymakers and stakeholders in formulating more effective strategies to improve financial inclusion in rural areas, thereby fostering economic growth and enhancing the overall well-being of communities.
Co-Authors Abdillah, Aris Abdulghani, Zaki Abrari, Fuad Aflit Nuryulia Praswati Ahyar Yuniawan Al Caesar, M. Rizky Augusty Tae Ferdinand Azra Rafi Nur Asy'ari Bintoro, Bintoro Chandra Dewi, Maharsiwi Diah Christyawan, Harry Dani, Akhmad Nur Dewi, Ade Puspita Dhikriyah, Laeli Dinata, Amet Candra Dita Monica Sekarini, Dita Monica Edy Rahardja Ekaputri, Alya Maherka Elmer Hafiizh Fernaldi ERIC GUNAWAN Farida Indriani Faturrazaq, Ramadhani Aulia Fernaldi, Elmer Hafiizh Fikri, Raden Muhammad Mukhlis Fitria Ridho Utami Fitriana, Diana Gunawan, Muhammad Arief Gunawan, Vanessa Cahyani Hapsari, Yunita Chandra Hari Basuki Harry Soesanto Hidayat, Dayu Nur Hikami, Syaroful Imroatul Khasanah Intan Shaferi Irawan, M. Felik Ferdy Irfan Affandi Jamhari Jamhari Kurniawan, Novan Laras Dipta Sri Ida Susilowati Mahfudz Mahfudz Mahfudz Mardiyah, Meicicho Muhammad Mirza Maulana Nafisa, Jihan Nagara, Agung Satya Najib, Muhammad Alfiyan Nalal Muna Naufaldy, Iqbal Nazareth, Mega Nugroho, Zahra Dini Octavian, Yayan Oktav, Riyandika Pamungkas, Brian Putra Pangestu MT, M. Adjie Perkasa KS, Nicholas Anggada Pragunadi, Nindita Gabriele Pramudhita, Abimanyu Cahya Primandesera, Andika RA Nur Amalina, RA Nur Rahman, Yuwanda Ratna, Maria Moniqua Restiandi, Andri Rijal, Khusnur Rio Dhani Laksana Riyan Indra Pramana, Riyan Indra Salsabella, Shella Santoso, Wibowo Iman Satyarini, Yuane Selestio, Robby Setiawan, Annisaa Nabhila Simanjuntak, Mariana Simbolon, Nathalia Rouli Sugiharto, J. Sugiono Sugiono Sukaryono, Adilaksana Suratin, Mochammad Susilo Toto Raharjo Sutanto, Inggrid Benedicta Sutopo Sutopo Syarifudin, Faiz Syuhada Sufian Tamara Citra, Tamara Tri Astuti, Atik Rahmawati Utami, Fitria Ridho Utomo, Bagus Satrio Wardhani, Hernita Wisnu Wibawa, Hanasta Toar Widhi Pangestuti, Aisah Widoningrum, Luluk Nastiti Willi Agung Prabowo Yudhistira Riza R Yuko, Mohammad Yunita Budi Rahayu Silintowe