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Integrated Liquidity and Risk Management Strategy as a Driver of Bank Efficiency: A SEM-PLS Study on BRI Amelia, Ratih; Amin Hou; Muhammad Fathoni; Dini Vientiany
Journal of Finance Integration and Business Independence Vol. 1 No. 2 (2025): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v1i2.44

Abstract

This study seeks to examine the impact of bank liquidity on bank efficiency, utilizing risk management quality as a mediating variable at Bank Rakyat Indonesia in 2024. The study challenge arises from the significance of liquidity stability and efficient risk management in enhancing banking operating efficiency, particularly at BRI, which operates on a CASA-based funding model and possesses the largest credit portfolio in Indonesia. This research employs a quantitative methodology with an explanatory framework, utilizing secondary data derived from BRI's 2024 financial statements and evaluated through Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings indicate that bank liquidity exerts a positive and significant influence on both risk management quality and bank efficiency, whereas risk management quality positively and significantly impacts efficiency. Also, RMQ has been shown to partially mediate the influence of liquidity on efficiency. These results show that good risk management and high liquidity are two important things that can help BRI's operations run more smoothly and make more money. This study suggests that integrated liquidity enhancement and risk management methods must be perpetually fortified to sustain bank performance and competitiveness in the evolving financial sector
Memahami Persepsi Konsumen terhadap Shrinkflation pada Produk FMCG Understanding Consumer Perceptions of Shrinkflation in FMCG Products Amelia, Ratih; Sabaruddin Chaniago, Muhammad Fathoni, Adi Harianto, Amin Hou,
YUME : Journal of Management Vol 9, No 1
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v9i1.10671

Abstract

Penelitian ini menganalisis pengaruh shrinkflation dan perceived price fairness terhadap customer satisfaction dan switching intention dengan consumer trust sebagai variabel mediasi. Menggunakan pendekatan kuantitatif dan analisis SEM-PLS, penelitian ini melibatkan 150 responden yang pernah membeli produk FMCG yang mengalami shrinkflation. Hasil penelitian menunjukkan bahwa seluruh pengaruh langsung signifikan, di mana shrinkflation dan perceived price fairness terbukti menurunkan kepercayaan dan kepuasan konsumen sekaligus meningkatkan switching intention. Consumer trust memiliki pengaruh paling kuat terutama terhadap switching intention, menegaskan perannya sebagai fondasi hubungan jangka panjang konsumen–merek. Hasil mediasi menunjukkan bahwa perceived price fairness berpengaruh tidak langsung secara signifikan terhadap customer satisfaction dan switching intention melalui consumer trust, sementara shrinkflation hanya berpengaruh tidak langsung secara signifikan terhadap switching intention melalui trust. Temuan ini menegaskan pentingnya transparansi dan keadilan harga dalam mempertahankan kepercayaan konsumen, terutama pada kondisi inflasi ketika shrinkflation menjadi strategi umum produsen FMCG. Kata Kunci: shrinkflation; perceived price fairness; consumer trust; customer satisfaction; switching intention