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Miharni Tjokrosaputro
Universitas Tarumanagara, Jakarta
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Materials Science & Nanotechnology Social Sciences Other

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Kinerja perbankan BPR sebelum dan selama masa pandemi Covid-19 Calvina Calvina; Miharni Tjokrosaputro
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 7 No 5 (2023): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v7i5.26506

Abstract

During the Covid-19 pandemic, many economic sectors experienced significant disruption. This also has an impact on the banking sector, including BPR which are financial institutions that play a key role in supporting economic growth at the local level by providing banking services to the MSME sector. The purpose of this study was to examine the influence of Covid-19 on the financial performance of rural banks by determining whether there were differences before and during Covid-19. Quantitative research with a descriptive approach was employed for this study. The data used is secondary data derived from the publication of financial reports which can be accessed via the Financial Services Authority website with the data period 2018-2021. The financial performance ratios used are Capital Adequacy Ratio (CAR), Return on Assets (ROA), Return on Equity (ROE), Operational Income Operating Cost (BOPO), Net Interest Margin (NIM), Non-Performing Loan (NPL), Earning Assets Quality (KAP), Loan to Deposit Ratio (LDR), Cash ratio, and Current Ratio (CR). The data were processed using the Paired sample t-test and Wilcoxon signed-rank test using the EViews 12 application. The findings of this study show that bank performance from LDR has significant differences, while the performance of CAR, ROA, ROE, BOPO, NIM, NPL, KAP, Cash ratio, and CR did not exhibit significant differences before and during the pandemic. Banyak sektor ekonomi mengalami gangguan yang signifikan selama masa pandemi Covid-19. Hal ini juga berdampak pada sektor perbankan, termasuk BPR yang merupakan lembaga keuangan yang berperan penting dalam mendukung pertumbuhan ekonomi di tingkat lokal dengan menyediakan layanan perbankan kepada sektor UMKM. Penelitian ini bertujuan untuk meneliti apakah Covid-19 berdampak terhadap kinerja keuangan perbankan Bank Perkreditan Rakyat dengan membandingkan kinerja BPR sebelum dan selama pandemi. Jenis penelitian merupakan penelitian kuantitatif dengan pendekatan deskriptif. Data yang digunakan merupakan data sekunder yang berasal dari publikasi laporan keuangan yang dapat diakses melalui situs web Otoritas Jasa Keuangan dengan periode data tahun 2018-2021. Ada beberapa rasio kinerja keuangan yang digunakan antara lain Capital Adequacy Ratio (CAR), Return on Assets (ROA), Return on Equity (ROE), Operating Income Operating Cost (BOPO), Net Interest Margin (NIM), Non Performing Loan (NPL), Earning Assets Quality (KAP), Loan to Deposit Ratio (LDR), Cash Ratio, dan Current Ratio (CR). Data diolah dengan t-test paired sample dan tes ranking Wilcoxon dengan menggunakan aplikasi EViews 12. Penelitian ini menyimpulkan bahwa kinerja bank dari LDR mengalami perbedaan signifikan, sementara kinerja CAR, ROA, ROE, BOPO, NIM, NPL, KAP, Cash ratio, dan CR tidak mengalami perbedaan signifikan sebelum dan selama terjadinya pandemi.
Peran citra perusahaan dalam memediasi pengaruh kualitas pelayanan, kepercayaan nasabah, dan kepuasan nasabah terhadap loyalitas nasabah BPR Arifin Arifin; Miharni Tjokrosaputro
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 7 No 5 (2023): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v7i5.26514

Abstract

Healing from the Covid-19 pandemic and increasingly fierce competition in the banking industry. BPR has faced challenges in retaining its customers in the face of increased competition from other banks. Therefore, it is important to understand the factors that can affect customer loyalty. This study aims to examine the role of corporate image in mediating service quality, customer trust, and customer satisfaction on BPR customer loyalty. This type of research is descriptive with a cross-sectional research approach. This study used a survey method, by collecting data by distributing questionnaires online. The population in this study were BPR customers using 192 BPR customers as respondents. This study used a non-probability sampling technique with a convenience sampling method. The data obtained were analyzed using SmartPLS software version 3.3.9 which was carried out by testing the outer model analysis and inner model analysis. This study shows that Service Quality, Customer Trust, and Customer Satisfaction have a significant and positive effect on Corporate Image and Customer Loyalty, then Service Quality, Customer Trust, and Customer Satisfaction have an indirect and significant positive effect on Customer Loyalty through Corporate Image as a mediating variable. Penyembuhan dari masa pandemi Covid-19 dan persaingan yang semakin ketat di industri perbankan. BPR menghadapi tantangan dalam mempertahankan nasabah mereka dalam menghadapi persaingan yang meningkat dengan bank-bank lain. Oleh karena itu, penting untuk memahami faktor-faktor yang dapat memengaruhi loyalitas nasabah. Penelitian ini bertujuan untuk menguji peran citra perusahaan dalam memediasi kualitas pelayanan, kepercayaan nasabah, dan kepuasan nasabah terhadap loyalitas nasabah BPR. Jenis penelitian ini adalah deskriptif dengan pendekatan penelitian cross-sectional. Penelitian ini menggunakan metode survei, dengan pengumpulan data penyebaran kuesioner secara daring. Populasi dalam penelitian ini adalah nasabah BPR dengan menggunakan 192 nasabah BPR sebagai responden. Penelitian ini menggunakan teknik non-probability sampling dengan metode convenience sampling. Data yang diperoleh dianalisis menggunakan software SmartPLS versi 3.3.9 yang dilakukan dengan pengujian outer model analysis dan inner model analysis. Penelitian ini menunjukkan bahwa kualitas pelayanan, kepercayaan nasabah, dan kepuasan nasabah berpengaruh secara signifikan dan positif terhadap citra perusahaan dan loyalitas nasabah, lalu kualitas pelayanan, kepercayaan nasabah, dan kepuasan nasabah secara tidak langsung dan signifikan positif terhadap loyalitas nasabah melalui citra perusahaan sebagai variabel mediasi.
Pengaruh social media marketing dan corporate social responsibility terhadap brand image dan word-of-mouth dengan mediasi brand trust: Studi pada perusahaan telekomunikasi Indonesia Elisha Sanjaya; Miharni Tjokrosaputro
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 10 No 3 (2026): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v10i3.37571

Abstract

The development of technology encourages companies to build stronger relationships with consumers through effective communication activities, including corporate social responsibility (CSR) and social media marketing. This study aims to analyze the influence of CSR and social media marketing on brand trust as a mediating variable, as well as on brand image and WOM. The research employed a quantitative approach using the PLS-SEM analysis. The findings indicate that CSR and social media marketing significantly affect brand trust, and brand trust itself is proven to have a significant impact on brand image and WOM. However, neither CSR and social media marketing has a direct significant effect on brand image or WOM. The key finding of this research is the mediating role of brand trust, which significantly strengthens the relationship between CSR and social media marketing with brand image and WOM. Theoretically, these results align with Relationship Marketing Theory, which positions trust as a fundamental element in establishing long-term relationships between companies and consumers. Perkembangan teknologi mendorong perusahaan untuk membangun hubungan yang lebih kuat dengan konsumen melalui kegiatan komunikasi yang efektif di mana di dalamnya termasuk CSR dan social media marketing. Penelitian ini bertujuan untuk menganalisis pengaruh CSR dan social media marketing terhadap brand trust sebagai mediasi, brand image serta WOM. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik analisis PLS-SEM. Hasil penelitian menunjukkan bahwa CSR dan social media marketing berpengaruh signifikan terhadap brand trust dan brand trust sendiri terbukti berpengaruh signifikan terhadap brand image dan WOM. Namun, baik CSR maupun social media marketingtidak memberikan pengaruh langsung yang signifikan terhadap brand image maupun WOM. Temuan dari penelitian ini adalah peran mediasi brand trust yang secara signifikan memperkuat hubungan CSR dan social media marketing terhadap brand image serta WOM. Secara teoritis, hasil penelitian selaras dengan Relationship Marketing Theory yang menempatkan kepercayaan sebagai elemen fundamental dalam hubungan jangka panjang antara perusahaan dan konsumen.
LOCAL FASHION PURCHASE INTENTION: THE ROLE OF ATTRACTIVENESS, TRUSTWORTHINESS AND EXPERTISE OF INFLUENCERS Adelia Angelina Benya Cham; Miharni Tjokrosaputro
International Journal of Application on Economics and Business Vol. 2 No. 3 (2024): Agustus 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i3.50-62

Abstract

Product marketing activities through social media influencers are a marketing program that is being widely used, based on statistical data released by Statista in September 2023, showing that the market share of Influencer Marketing globally has increased quite rapidly from 2016-2023. This research aimed to test the influence of attractiveness, trustworthiness, and expertise as the credibility of social media influencers and its impact on the purchase intention of local fashion brand. The sample for this research was collected through a questionnaire distributed on online applications such as Instagram, Line, and Whatsapp, using both purposive sampling and non-probability sampling techniques. The collected sample comprised 238 valid respondents who met the criteria of being local fashion brand consumers and following or having at least seen influencer marketing local fashion brand products on social media, including Bella Clarissa @bellacrls_, Sashfir @sashfir_, Shavira Wangsamulia @shav_ira, Melle @mellexmicheline, Laura Siburian @laurasiburian, and Kezia Aletheia @keziaaletheia. The data obtained were then processed using the Structural Equation Model (SEM) method via the SMART-PLS 4.0 application. The research result indicates that trustworthiness and expertise have positive and significant influence on purchase intention of local fashion brand. In contrast, attractiveness has a positive and insignificant effect on local fashion brand purchase intention.
FACTORS INFLUENCING REVISIT INTENTION IN AQUARIUM ATTRACTION: THE MEDIATING ROLE OF TOURIST SATISFACTION Vannie Setiady; Miharni Tjokrosaputro
International Journal of Application on Economics and Business Vol. 4 No. 2 (2026): May 2026
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v4i2.516-526

Abstract

The rapid growth of the tourism sector has increased expectations for destinations that are not only easy to access but also able to offer meaningful and memorable experiences. However, aquarium attractions have recently experienced a decline in visitor numbers, suggesting the need to better understand what drives tourists to return. This study explores the role of novelty seeking and memorable tourist experiences in shaping revisit intention, with tourist satisfaction acting as a mediating factor in the context of aquarium attractions. Using a quantitative descriptive method through purposive sampling, the data were gathered via an online questionnaire, resulting in 241 valid responses out of 248 collected. The data were analyzed using PLS-SEM by using SmartPLS 4. The findings show that novelty seeking, memorable tourist experiences, and tourist satisfaction all have a positive and significant effect on revisit intention. In addition, both novelty seeking and memorable experiences significantly enhance tourist satisfaction, which in turn strengthens revisit intention. Overall, the results suggest that while visitors’ expectations are generally met, providing more engaging, interactive, and educational experiences remains essential for maintaining satisfaction and encouraging repeat visits to aquarium attractions.
PERCEIVED CONVENIENCE AND VALUE AS DRIVERS OF COFFEE APPS’ PURCHASE INTENTION: THE ROLE OF TRUST AS A MEDIATOR Yiu Yiu Shinta; Miharni Tjokrosaputro
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol. 9 No. 2 (2025): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v9i2.37039

Abstract

Sektor usaha kopi yang menggunakan aplikasi pada bisnisnya di negara Indonesia mengalami peningkatan cukup signifikan seiring perubahan gaya hidup masyarakat dengan meningkatnya minat masyarakat untuk mengkonsumsi kopi. Studi ini bertujuan untuk mengkaji secara mendalam pengaruh dari perceived value dan perceived convenience pada purchase intention. Studi ini meneliti lebih jauh peran variabel trust sebagai mediasi pada pengguna aplikasi kopi. Studi ini mengambil pendekatan kuantitatif. Pengambilan data dilakukan dengan membagikan kuesioner melalui google form. Sampel diperoleh melalui metode purposive sampling dengan non-probability sebagai pendekatan sampling. Dari total 221 responden yang berhasil dikumpulkan, sebanyak 10 responden tidak memenuhi kriteria penelitian, sehingga tersisa 211 responden yang layak untuk dianalisis lebih lanjut menggunakan metode PLS-SEM. Hasil penelaahan memperlihatkan hasil dimana  perceived convenience, value dan trust terbukti memberi pengaruh positif signifikan terhadap variabel purchase intention. Variabel perceived convenience dan perceived value juga berpengaruh positif secara signifikan pada trust. Analisis tersebut lebih lanjut menegaskan bahwa kepercayaan memediasi secara parsial pengaruh perceived convenience dan perceived value terhadap purchase intention, karena baik pengaruh langsung maupun tidak langsung terbukti signifikan secara statistik. Hasil tersebut mengindikasikan bahwa trust memegang peranan penting dalam memperkuat hubungan antara perceived convenience dan perceived value pada   purchase intention pada aplikasi kopi. Implikasi penelitian ini memberikan wawasan bagi industri kopi berbasis aplikasi untuk mengoptimalkan kemudahan penggunaan, nilai yang dirasakan, serta membangun kepercayaan konsumen guna meningkatkan efektivitas strategi pemasaran dan mendorong niat pembelian.   The coffee industry that uses application in Indonesia has experienced significant growth, driven by rising coffee consumption and changing societal lifestyles. The purpose of this study is to examine in depth the role of perceived convenience and perceived value on purchase intention among coffee app users, especially using trust as the only mediating variable. As a quantitative research, data for this research were gathered by Google Forms questionnaires distribution. Samples were obtained through purposive sampling using a non-probability sampling approach. Of the total 221 respondents successfully collected, 10 respondents did not meet the research criteria, leaving 211 respondents eligible for further analysis using the PLS-SEM. The findings indicate that perceived value, along with perceived convenience and trust, positively influences purchase intention. Furthermore, perceived convenience and value were found to positively shape consumer trust. The analysis further confirms that trust partially mediates the effects of perceived convenience and perceived value on purchase intention, as both the direct and indirect effects are statistically significant. So, these results emphasize the pivotal role of trust as a mechanism that strengthens the translation of convenience and value perceptions into purchase intention within the context of coffee applications. This study provides an understanding for marketers on the effectiveness of, and more effective marketing strategies for, coffee applications. The implications of this study provide insights for application-based coffee industries to optimize the convenience of the user, perceived value, and the development of consumer trust in order to boost the effectiveness of marketing approaches and encourage purchase intention.
HOW SOCIAL MEDIA, EMOTIONAL ATTACHMENT, AND DESTINATION IMAGE DRIVE MUSEUM’S VISIT INTENTION: THE ROLE OF INFLUENCER CREDIBILITY AT MOJA MUSEUM Miharni Tjokrosaputro; Haris Maupa; Rorlen Rorlen
Jurnal Manajemen dan Kewirausahaan Vol. 28 No. 1 (2026): MARCH 2026
Publisher : Management Study Program, Faculty of Business and Economics, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/jmk.28.1.65-77

Abstract

Nowadays, as museums are increasingly promoted as attractive tourist destinations, digital marketing plays an essential role in attracting more visitors, especially through social media and influencer engagement. This research examined how social media marketing (SMM) and influencer credibility shaped visit intention to Moja Museum by assessing the mediating roles of emotional attachment and destination image. A descriptive quantitative approach was applied, and data were collected from 247 purposively selected respondents exposed to Moja Museum’s social media content. The findings showed that influencer credibility significantly enhanced emotional attachment and destination image, but did not directly influence visit intention. Emotional attachment and destination image served as mediators in this pathway. Conversely, SMM directly and significantly affected both destination image and visit intention, although destination image did not mediate the latter. These results contributed to the advancement of Source Credibility Theory in museum tourism by highlighting affective and cognitive mechanisms behind visitor behavior. From a practical perspective, the study suggested that credible influencers fostered emotional bonds and positive perceptions, while well-crafted social media campaigns directly encouraged visit intentions.
Co-Authors Adelia Angelina Benya Cham Agung Nugroho Arifin Arifin Axel Wibawa Calvina Calvina Catherine Catherine Christian Ponarwan Dina Karli Elisha Sanjaya Fannylian Lau Haris Maupa Henny Henny Herlina Budiono Heryanto Heryanto Ivan Naufaldi Jonnardi Lerbin Aritonang Lucas Kevin Marcella Steffi Rorlen Rorlen Stella Febriani Sumi Sumi Tubagus Muhammad Farhan Urbanus Ura Weruin Vannie Setiady Yiu Yiu Shinta