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Analisis Peran Elemen Marketing Mix Jasa Terhadap Keputusan Menggunakan Jasa Perbankan pada BSI Wilayah Pekalongan Emira Imania Utami; Amron Amron; Dwi Eko Waluyo; Pradana Jati Kusuma
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i8.12389

Abstract

This research examines the influence of the process, people, and physical evidence elements on consumers' purchasing decisions at Bank Syariah Indonesia in the City and Regency of Pekalongan. A quantitative approach was applied using data collected from 108 respondents, which were analyzed using SmartPLS through the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results reveal that all three service marketing mix components exert a positive and significant impact on purchasing decisions. Notably, the process element emerges as the most dominant factor in shaping customers' buying choices. These results highlight the importance of optimizing service processes to enhance customer decision-making. This study contributes theoretically to the marketing management literature regarding consumer behavior in the Islamic banking industry, as well as practically to Bank Syariah Indonesia in developing marketing strategies and optimizing digital-based services.
PENGARUH LITERASI KEUANGAN, LITERASI DIGITAL DAN PERSEPSI RISIKO TERHADAP PENGGUNAAN MOBILE BANKING DI KALANGAN MAHASISWA SEMARANG Vania Puspita Sari; Dwi Eko Waluyo; Dian Prawitasari; Diana Puspitasari
OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol 10 No 1 (2025): OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Universitas Pasundan

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Abstract

Kemajuan teknologi telah banyak mengubah sistem transaksi keuangan, termasuk munculnya mobile banking—platform digital yang memungkinkan pengguna melakukan aktivitas keuangan secara mudah memakai smartphone. Riset ini mengkaji pengaruh literasi keuangan, literasi digital, dan persepsi risiko pada penggunaan mobile banking pada mahasiswa di Kota Semarang. Tujuan penelitain untuk mengetahui pengaruh literasi keuangan, literasi digital dan persepsi risiko terhadap penggunaan mobile banking di kalangan mahasiswa semarang. Dengan menggunakan metode deskriptif kuantitatif, data dikumpulkan melalui kuesioner online yang disebarkan via Google Forms dengan skala Likert 5 poin. Teknik pengambilan sampel yang diterapkan yakni purposive sampling dan menghasilkan 272 respon valid. Data dianalisis memakai SPSS versi 25 melalui metode regresi linear berganda. Hasil riset memaparkan bahwasannya literasi keuangan, literasi digital, serta persepsi risiko memiliki pengaruh positif serta signifikan pada penggunaan mobile banking, dengan literasi keuangan sebagai faktor yang paling berpengaruh. Secara bersama-sama, ketiga variabel tersebut menjelaskan 88% variasi penggunaan mobile banking, sementara 12% sisanya dipengaruhi oleh faktor lain yang tidak diriset pada studi ini. Saran pada penelitian berikutnya sampel penelitian lebih dari satu daerah dan bisa menambahkan jumlah variabel seperti, harapan kinerja, nilai pribadi dan kepercayaan, kemudahan dalam bertransaksi, dan efektivitas finansial mandiri yang menjadi faktor untuk mempengaruhi penggunaan mobile banking.
A Mediation Analysis of Work Engagement in the Relationship between Transformational Leadership, Organizational Culture, and OCB Irvan Wijaya; Sih Darmi Astuti; Dwi Eko Waluyo; Amalia Nur Chasanah
Jurnal Telekomunikasi dan Informatika Lbh. 3 Àir. 2 (2025): International Journal Of Accounting, Management, And Economics Research (IJAME
Publisher : Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro

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Abstract

Human resources are the most important and determining assets in an organization. Human resources who are competent, highly motivated and able to work well are the resources needed by the company. Organizational citizenship behavior (OCB) is a concrete form of an employee in every company or organization to lighten the workload of other colleagues, without forgetting the main work that must be done by that individual. Many factors influence OCB, including work engagement, leadership and organizational culture. This research aims to examine the influence of Work Engagement, Leadership and Organizational Culture variables on OCB in PT Fajarmas Murni employees. The population used in this research were all employees of PT Fajarmas Murni who had worked for at least 2 years. The sample in this study was 164 respondents. Data was collected using a survey method using a questionnaire. This research uses Structural Equation Modeling (SEM) data analysis techniques which are operated using the SmartPLS 3 program. The results of the research show that Organizational Culture and Work Engagement have a significant effect on OCB, while transformational leadership has no significant effect and Transformational Leadership has a significant effect on Work Engagement while Organizational Culture does not have a significant effect on work engagement.
Analisis Peran Elemen Marketing Mix Jasa Terhadap Keputusan Menggunakan Jasa Perbankan pada BSI Wilayah Pekalongan Emira Imania Utami; Amron Amron; Dwi Eko Waluyo; Pradana Jati Kusuma
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i8.12389

Abstract

This research examines the influence of the process, people, and physical evidence elements on consumers' purchasing decisions at Bank Syariah Indonesia in the City and Regency of Pekalongan. A quantitative approach was applied using data collected from 108 respondents, which were analyzed using SmartPLS through the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results reveal that all three service marketing mix components exert a positive and significant impact on purchasing decisions. Notably, the process element emerges as the most dominant factor in shaping customers' buying choices. These results highlight the importance of optimizing service processes to enhance customer decision-making. This study contributes theoretically to the marketing management literature regarding consumer behavior in the Islamic banking industry, as well as practically to Bank Syariah Indonesia in developing marketing strategies and optimizing digital-based services.
Pengaruh Bias Perilaku Terhadap Keputusan Investasi Trader Aktif Generasi Z Di Indonesia Dengan Persepsi Risiko Sebagai Variabel Mediasi Anisya Dwi Deviyanti; Vicky Oktavia; Dwi Eko Waluyo; Pradana Jati Kusuma
JEMAP Vol 9, No 1: April 2026
Publisher : Universitas Katolik Soegijapranata, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24167/jemap.v9i1.15242

Abstract

This study aims to examine and analyze the influence of behavioral biases consisting of Overconfidence Bias, Disposition Effect, and Herding Bias on investment decisions, with risk perception as a mediating variable. The focus of this research is on Generation Z active investors in Indonesia who exhibit intensive trading characteristics in the capital market. This study employs a quantitative approach using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method through SmartPLS software. Data were collected from 165 respondents through an online questionnaire using purposive sampling technique.The results indicate that Overconfidence Bias (0.290), Disposition Effect (0.409), and Herding Bias (0.267) have a positive and significant effect on risk perception. Furthermore, risk perception is proven to have a highly dominant positive effect on investment decisions (0.734) with an effect size (f²) value of 1.167, categorized as a large effect. The mediation test confirms that risk perception plays a significant mediating role for all behavioral biases toward investment decisions, where Disposition Effect records the largest indirect effect (0.300). Overall, the research model demonstrates moderate predictive power with an Adjusted R-Square value of 0.521 for investment decisions. These findings emphasize that the psychological mechanisms of young investors in processing risk serve as the primary determinant driving their investment activities amid market volatility.
PENGARUH INTELECTUAL CAPITAL TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN SUB SEKTOR INDUSTRI MAKANAN DAN MINUMAN Galih Sephiani Rafika Duri; Dian Prawitasari; Dwi Eko Waluyo; Diana Puspitasari
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/nk124t23

Abstract

Industri makanan dan minuman di Indonesia terus menunjukkan pertumbuhan positif setelah pandemi, sehingga perusahaan harus memaksimalkan aset fisik dan non-fisik untuk mempertahankan performa finansial. Kajian ini dimaksudkan untuk mengevaluasi dampak Intellectual Capital, yang mencakup Value Added Capital Coefficient (VACA), Value Added Human Capital Coefficient (VAHU), dan Structural Capital Value Added (STVA), terhadap performa finansial yang diukur melalui Return on Asset (ROA) di perusahaan subsektor makanan dan minuman yang tercatat di Bursa Efek Indonesia dari tahun 2020 hingga 2024. Populasi penelitian meliputi semua perusahaan subsektor makanan dan minuman di BEI, dengan sampel sebanyak 26 perusahaan yang dipilih melalui teknik purposive sampling selama lima tahun pengamatan, menghasilkan 130 data laporan keuangan. Penelitian ini menerapkan metode kuantitatif dengan data sekunder dari laporan keuangan tahunan, dianalisis menggunakan regresi linear berganda dengan bantuan software EViews 13, serta didasarkan pada teori Stakeholder dan Knowledge-Based Theory. Temuan penelitian mengungkapkan bahwa Value Added Capital Employed (VACA) dan Structural Capital Value Added (STVA) memiliki pengaruh positif dan signifikan terhadap performa finansial, sementara Value Added Human Capital (VAHU) tidak menunjukkan pengaruh yang signifikan. Untuk penelitian lanjutan, disarankan untuk menambah indikator profitabilitas, memperbesar ukuran sampel, dan memperpanjang jangka waktu pengamatan.
RETURN ON ASSET SEBAGAI PEMEDIASI HUBUNGAN ANTARA CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN DAN DEBT TO EQUITY RATIO TERHADAP NILAI PERUSAHAAN PADA SEKTOR PERBANKAN YESHA NU'MA ARULA PUTRI; Dwi Eko Waluyo
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 14 No. 2 (2025): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v14i2.3124

Abstract

Introduction: This study aims to analyze the role of return on assets (ROA) as a mediator in the relationship between capital adequacy ratio (CAR), loan-to-deposit ratio (LDR), non-performing loans (NPL) and debt-to-equity ratio (DER) on the value of banking companies as measured by price to book ratio (PBV). The data used comes from the financial statements of banks listed on the Indonesia Stock Exchange. Methods: The analysis was conducted using the regression method with a mediation testing approach. Results: The results showed that CAR and NPL have a significant negative effect on ROA, while LDR has a significant positive effect on ROA. As for DER, it has no significant effect on ROA. Furthermore, CAR has a significant positive effect on PBV, while LDR, NPL, and DER have no significant effect on PBV. ROA itself has a significant negative effect on PBV, this indicates that increasing profitability does not always increase the value of companies in the banking sector. The mediation test results show that CAR and NPL play a role in increasing firm value through ROA, while LDR and DER do not have a strong enough influence on the relationship.
Co-Authors Adistyana Mardhyatus Sholihah Agus Prayitno Agus Prayitno Alifa Mei Ajeng Rahayu Amalia Nur Chasanah Amalia, Fariza Amron Amron Amron Amron Amron Amron, Amron Ana Kadarningsih Kadarningsih Anggaini, Fitria Anggraini , Fitria Dewi Puspita Anisya Dwi Deviyanti Aprianti Aprianti, Aprianti Aprillia Fananditya Ariati Anomsari Ariati Anomsari Aris Puji Purwatiningsih Asnul Dahar Bin Minghat B. Andini Nugrahaning Widhi Banu, Azlina Batara David Martin Siregar Belladiena, Alfiena Nisa Belzara, Ghea Syahnita Brian Au Batuwael Cahya, Handy Nur Choirunisha, Zalfa Adira Cinantya Paramita Delila Nasywa Ramananda Devi Wahyuni Dewi Agustini Dewi Pergiwati Dian Prawitasari Dian Prawitasari Diana Aqmala Diana Puspitasari Dwi Nurul Izzhati Eli Martohap Sinaga Emira Imania Utami Fakhmi Zakaria Fariza Amalia Fauzi Adi Rafrastara Febriana, Artha Galih Sephiani Rafika Duri Goh, Gerald Guan Gan Handy Nur Cahya Hayu Wikan Kinasih Herlambang, Maulana Yusuf Hernanti, Sania Bunga Pradani Herry Subagyo Herry Subagyo Herry Subagyo Ilyas, Kamal Irvan Wijaya Ismarita Ramayanti Izha Rachma Navila Jumanto Jumanto Kamila Nasywa Putri Klarisa Widiana Pratiwi Krisna Kurniawan Kurniawati, Firlia Ayuk Kusuma, Pradana Jati Lenni Yovita Makhbub Zunaidi Maria Safitri Marselly Dewa Utama Mega Ayu Lestari Mega Tri Candeni Mila Elmeida Mochammad Eric Suryakencana Wibowo Muhammad Alvinnur Budiansyah Muhammad Faraz Alan Albana Muhammad Lukmanul Hakim Nadiyatul Mustaufidah Nisrina Hesi Rahmaningtyas Nohan, Rajendra Nurman Ilham Fadzilah Paramita, Cinantya Perdana, Reza Kresna Pergiwati, Dewi Permatasari, Noviana Putri Pitaloka Andry Kirana Pradana Jati Kusuma Pradana Jati Kusuma Pramudianto, Chori Baskoro Prawitasari, Dian Pulung Nurtantio Andono Purnomo, Ardiansyach Maulana Puspita Azura Diva Rachmalia Puteri Kusuma Dewi Raden Arief Nugroho Rahayu, Alifa Mei Ajeng Ramasamy, Suganthi Respati Wulandari Retno Indah Hernawati Sarah Setyaningrum Sasongko, Teguh Haryo Setiawan, Aries Setyani, Putri Desti Setyo Wahyu Sulistyono Setyo Wahyu Sulistyono Shabira, Azra Salma Sih Darmi Astuti Sih Darmi Astuti Sintaruli Siahaan Siti Fitriyyatul Jamilah Suhita Whini Setyahuni Uci Yuliati udzma, Dyah Safa’atul Ukhti Maylita Haryani Usman Usman Usman Usman v, Amalia Nur Vania Puspita Sari Vicky Oktavia Vicky Oktavia Vicky Oktavia Vincent Didiek Wiet Aryanto Vivia Irvani Wijayanti Wijayanti Wilda Komala Viani Yenny Ernitawati Yenny Ernitawati YESHA NU'MA ARULA PUTRI Zakaria, Fakhmi Zamani, Daffa Ulya