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MACROECONOMIC LINKAGE OF CONSUMER CONFIDENCE IN INDONESIA Jagat Prirayani
Jurnal BPPK : Badan Pendidikan dan Pelatihan Keuangan Vol 9 No 1 (2016): Jurnal BPPK (printed version)
Publisher : Badan Pendidikan dan Pelatihan Keuangan - Kementerian Keuangan Republik Indonesia

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Abstract

Study ini meneliti mengenai hubungan makroekonomi kepercayaan konsumen di Indonesia, yaitu untuk mengetahui apakah kepercayaan konsumen dapat dijelaskan oleh variabel makroekonomi dimasa lalu serta memiliki kemampuan prediksi terhadap kondisi ekonomi Indonesia dimasa depan. Studi ini dilakukan dengan menggunakan variabel makroekonomi meliputi indeks kepercayaan konsumen (CCI), Inflasi , pertumbuhan GDP, Nilai tukar , BI rate dan harga saham gabungan dengan periode bulanan selama januari 2001-Desember 2015. Data diolah dengan menggunakan metode Vector Autoregression (VAR). Hasil penelitian menunjukkan bahwa tanpa menganggap variabel lain konstan, CCI terkointegrasi dengan inflasi dan harga saham. Hasil juga menunjukkan adanya kausalitas CCI terhadap inflasi, BI rate dan harga saham. Namun saat selluruh variabel berinteraksi bersama sama hanya hubungan kausallitas CCI pada lag 2 tehadap BI rate yang tetap bertahan . Model menunjukkan bahwa kepercayaan konsumen di Indonesia tidak mampu dijelaskan oleh variabel macroekonomi dimasa lalu namun memiliki kemampuan prediksi terhadap perubahan BI rate dimasa depan . Akan tetapi besarnya kon
Improving Competitive Advantage from Costumer Perspective: Strategic Approaches in Indonesia’s Telecom Sector Bo, Liu; Damayanti, Sylviana Maya; Jagat Prirayani
Jurnal Manajemen Bisnis Vol. 12 No. 2 (2025): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v12i2.1163

Abstract

This study examines Smartfren’s market position, competitive advantage, and growth prospects amid Telkomsel’s market dominance. It employs primary survey data from users and professionals and secondary industry reports, analyzed through a quantitative approach and Porter’s Five Forces framework. The findings reveal Telkomsel’s superiority in market share, network coverage, and technological innovation, while Smartfren offers stronger value in pricing and economic appeal. High industry rivalry, strong buyer power, and rising digital substitutes push both providers to innovate continuously. The study offers strategic insights for telecom firms and policymakers, and recommends broader sampling, inclusion of more operators, longitudinal analysis, and further research on consumer behavior and digital ecosystems.
Strategic Transition From High-Yield to Lifestyle Banking: A Data-Driven Feature Prioritization Framework For Krom Bank Andi Hendra Putra Ganesha; Jagat Prirayani
International Journal of Economics and Management Research Vol. 3 No. 2 (2024): August: International Journal of Economics and Management Research
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v3i2.654

Abstract

This research addresses the strategic challenge facing Krom Bank as it transitions from a high-yield savings model to a comprehensive lifestyle banking ecosystem in Indonesia's competitive digital banking landscape. Using a quantitative research design, the study surveyed 281 respondents (100 KROM users and 181 non-KROM users) to identify consumer preferences and prioritize feature development to achieve sustainable competitive advantage. The research framework integrated UTAUT (Unified Theory of Acceptance and Use of Technology) constructs, along with a gap analysis, spider chart analysis, and strategic scoring across 12 dimensions. All measurement constructs demonstrated acceptable-to-good reliability, with the confirming sample adequacy. This research validates Krom Bank’s strategic transition from a high-yield niche to a comprehensive lifestyle ecosystem. The primary solution identifies Transport Payment Integration as the optimal "Daily Anchor" to convert passive savers into active transactors. Concurrently, gap analysis mandates a critical secondary solution: overhauling Customer Service and Security infrastructure to close fundamental trust deficits. Synthesized via the Strategy Diamond framework, the roadmap prioritizes stabilizing trust before anchoring daily habits, ultimately evolving Krom’s economic logic from high-cost deposit dependency to a sustainable, transaction-led model.