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All Journal Jurnal Keuangan dan Perbankan Jurnal Akuntansi Multiparadigma EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Akuntansi : Kajian Ilmiah Akuntansi (JAK) AKRUAL: Jurnal Akuntansi Jurnal Riset Akuntansi dan Keuangan Primanomics : Jurnal Ekonomi & Bisnis JURNAL PENDIDIKAN TAMBUSAI Journal on Education Gorontalo Development Review Research In Management and Accounting (RIMA) Business and Finance Journal Jurnal Aplikasi Akuntansi Jurnal Review Pendidikan dan Pengajaran (JRPP) Tonika: Jurnal Penelitian dan Pengkajian Seni EconBank : Journal Economics and Banking Jurnal Akuntansi Bisnis Journal of Enterprise and Development (JED) Ilomata International Journal of Tax and Accounting Reviu Akuntansi dan Bisnis Indonesia Jurnal Performa : Jurnal Manajemen dan Start-up Bisnis Jurnal E-Bis: Ekonomi Bisnis Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) Perspektif Akuntansi JURNAL LENTERA AKUNTANSI Bima Journal : Business, Management and Accounting Journal Journal of Education Research BIP'S : Jurnal Bisnis Perspektif COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat SENGKUNI Journal (Social Science and Humanities Studies) Jurnal Akuntansi AKUNESA Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Inkubis: Jurnal Ekonomi dan Bisnis Journal Research of Social Science, Economics, and Management Eduvest - Journal of Universal Studies Innovative: Journal Of Social Science Research Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Research In Management and Accounting (RIMA)
Cliff Kohardinata
Universitas Ciputra
Aerospace Engineering Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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Analysis of Word of Mouth and Social Media Marketing on Purchase Decisions with Brand Awareness as Intervening Variable at Mitrakuli.Id Suryanto, Dicky Tanzila; Kohardinata, Cliff
Journal Research of Social Science, Economics, and Management Vol. 5 No. 1 (2025): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i1.962

Abstract

Abstract. Indonesia is experiencing significant development in the infrastructure sector with a projected construction market growth of 5.48% by 2025. This trend is driving the increasing demand for project tool leasing as a cost and time efficient solution for small to medium-sized contractors. PT. Mitra Kuli Indonesia (Mitrakuli.id) is a newcomer in the project equipment rental business in East Java, especially Malang City. However, as a new brand, the company faces challenges in building a loyal customer base. Sales data shows revenue instability, which is allegedly caused by increased competition in the industry. Competitors fall into two categories: legacy companies that rely on Word Of Mouth (WOM) and new companies that leverage digital marketing. Previous studies have shown that Word Of Mouth plays a significant role in building customer trust, while digital marketing allows new companies to reach a wider audience and increase customer engagement. With so many competitors, Mitrakuli.id need to increase Brand Awareness to stay competitive. This study aims to analyze the influence of Word Of Mouth and Social Media Marketing on the decision to purchase project equipment rental services, with Brand Awareness as an intervening variable. The results of the research are expected to provide strategic insights for the industry in designing marketing strategies that are more effective and relevant to current market conditions.
DO WE NEED P2P BETWEEN BANK THIRD PARTY FUNDS AND BANK CREDIT? Kohardinata, Cliff; Widianingsih, Luky Patricia
Research In Management and Accounting (RIMA) Vol. 6 No. 1 (2023): June
Publisher : Fakultas Bisnis Universitas Katolik Widya Mandala Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33508/rima.v6i1.4654

Abstract

The main objective of this study is to obtain empirical evidence on the role of peer-to-peer (P2P) lending mediation in bridging the relationship between banking third party funds and bank credit in provinces with fewer branch offices or limited banking services. The test used is path analysis involving 33 provinces in Indonesia in the period from January to July 2022. The main results of this study show that third party funds in provinces with fewer banking branch offices have no effect on bank credit, but P2P lending can mediate the relationship between banking third party funds and bank credit in provinces with fewer banking branch offices. The additional results of this study indicate that banking third party funds in provinces with a greater number of bank branch offices have a positive effect on bank credit. The novelty of this research is that the researchers introduced the P2P lending mediating variable based on financial technology (FinTech) as a solution for provinces with limited access and exposure to banking to be able to bridge the distribution of third-party funds to debtors, thereby increase financial inclusion.
EFEK SUBSTITUSI PERTUMBUHAN PINJAMAN PEER-TO-PEER (P2P) TERHADAP PERTUMBUHAN KREDIT BANK KONVENSIONAL DI INDONESIA Kohardinata, Cliff; Widianingsih, Luky Patricia
JURNAL LENTERA AKUNTANSI Vol. 8 No. 1 (2023): JURNAL LENTERA AKUNTANSI, MEI 2023
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrakt.v8i1.735

Abstract

Peer-to-peer (P2P) platforms have developed rapidly in the financial industry in Indonesia. The rapid P2P Platform influences the banking sector in Indonesia so that it is important to examine the effect of P2P loan growth on banking credit growth from various perspectives to gain a deeper understanding. This study aims to examine the effect of peer-to-peer (P2P) loan growth on the credit growth performance of conventional banks in Indonesia from July 2019 to March 2020 using data from 33 provinces in Indonesia. The results of this study indicate that P2P loan growth has a significant negative effect on overall banking credit growth.Key words: P2P, peer-to-peer, Fintech, Banking Credit, Loan
Pengaruh Fasilitas Kredit dan Pendampingan Avalis Terhadap Kinerja Usaha Penggemukkan Domba di Kabupaten Tegal Purwananti, Verra Okti; Kohardinata, Cliff; Santoso, Wiliam
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 10 (2025): COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v4i10.2950

Abstract

Penelitian ini bertujuan untuk menguji pengaruh fasilitas kredit dan pendampingan terhadap kinerja usaha penggemukkan domba. Penelitian menggunakan metode non-probability sampling dengan pengambilan sampel menggunakan teknik sampling jenuh yang melibatkan 34 peternak domba yang menerima kredit usaha rakyat (KUR) dari Bank Jawa Barat dan Banten dan beberapa bank lain di Kabupaten Tegal. Data dikumpulkan melalui kuesioner dengan skala likert 5 poin dan dianalisis menggunakan teknik analisis regresi linier berganda. Hasil penelitian menunjukkan fasilitas kredit berpengaruh signifikan terhadap kinerja usaha penggemukkan domba. Temuan lain menunjukkan bahwa pendampingan usaha tidak berpengaruh signifikan terhadap kinerja usaha penggemukkan domba.
Is There God in Postmodern Accounting? Patricia Widianingsih, Luky; Kohardinata , Cliff
Journal of Education Research Vol. 4 No. 3 (2023)
Publisher : Perkumpulan Pengelola Jurnal PAUD Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37985/jer.v4i3.448

Abstract

The postmodern ethos is pervasive in various aspects including education, accounting in particular. This is certainly a challenge for the practice of education as what is ultimately given to students. The purpose of this study is to reflect on how accounting students interpret several terminologies that are closely related to their professional world in the postmodern world. The research site was conducted during the learning process of the Management Accounting course. The participants involved were nine students. The reflection session is carried out in the last two weeks before the end of the semester. The results of the students' reflections were analyzed reflectively by the researcher. The expressed and implied meanings of their reflection stories are fully understood, including how they express and convey them in front of other class participants. Researchers make memos, note important meanings, categorize them to compile findings and present them as a final synthesis of meaningful findings. This process is like the spiral data analysis for a qualitative study. The findings found that the students have tried to integrate their faith and beliefs in God’s sovereignty in the search for worldly knowledge accounting. The findings of this study indicate that during the challenges of the postmodern world, the students who participated in this study were still able to show traces of their spiritual and religious meaning expressions in looking at several issues that are closely related to the reality of their future profession.
Literasi Keuangan dari Drama Korea: Studi Netnografi Atas Konstruksi Nilai Widianingsih, Luky Patricia; Kohardinata, Cliff
Journal of Education Research Vol. 5 No. 1 (2024)
Publisher : Perkumpulan Pengelola Jurnal PAUD Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37985/jer.v5i1.844

Abstract

Gempuran gelombang Korea melalui sajian konten Dramanya berpotensi menghadirkan konstruksi nilai seperti terkait dengan literasi keuangan. Tujuan penelitian ini adalah untuk mendalami bagaimana Drama Korea mengkonstruksikan literasi keuangan dan bisnis dari masyarakat. Metode penelitian yang digunakan adalah netnografi, suatu studi etnografi berbasis internet dengan pengamatan atas realitas digital pada komunitas online. Analisis data dari dokumentasi tangkapan digital melalui tahapan proses kategorisasi tema dan proses iterasi interpretasi sehingga makna nilai yang terkandung dari realitas virtual tersebut dapat ditemukan. Hasil penelitian mengkonstruksikan bahwa literasi keuangan dipahami sebagai suatu koneksi integrasi dari pengetahuan, keterampilan dan keyakinan seseorang dalam keuangan yang secara sadar kemudian memberikan arah pada sikap dan perilaku mereka dalam mengambil keputusan dan mengelola keuangan dalam balutan kesadaran spiritual dan religius. Makna ini memberikan suatu perspektif yang beyond mengindikasikan bahwa tujuan pengelolaan keuangan tidak hanya demi mencapai suatu pemenuhan kebutuhan akan kesejahteraan materialistik saja, namun juga demi mencapai suatu pemenuhan kesadaran akan perannya sebagai makhluk ciptaan Tuhan.
APAKAH LITERASI KEUANGAN, INKLUSI KEUANGAN, ATAU DANA PIHAK KETIGA PERBANKAN DAPAT MENDUKUNG KREDIT UMKM PERBANKAN? Kohardinata, Cliff
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 1 (2024): Volume 7 No 1 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i1.25177

Abstract

Penelitian ini bertujuan untuk memperoleh hasil pengujian secara empiris mengenai pengaruh literasi keuangan, inklusi keuangan, dana pihak ketiga terhadap kredit UMKM perbankan. Untuk memperoleh pemahaman yang lebih mendalam, peneliti menguji secara bertahap dengan menggunakan 3 model, yaitu: model 1 yang mencerminkan pengaruh literasi keuangan terhadap kredit UMKM perbankan; model 2 yang mencerminkan pengaruh literasi keuangan, inklusi keuangan terhadap kredit UMKM perbankan; model 3 merupakan model pengaruh literasi keuangan, inklusi keuangan, dan dana pihak ketiga terhadap kredit UMKM perbankan. Penelitian ini menggunakan data dari OJK pada tahun 2022 di 33 provinsi dengan menggunakan metode penelitian regresi linier sederhana dan regresi linier berganda. Hasil penelitian pada model 1 menunjukkan bahwa literasi keuangan tidak berpengaruh terhadap kredit UMKM perbankan. Hasil penelitian pada model 2 menunjukkan bahwa literasi keuangan tidak berpengaruh terhadap kredit UMKM perbankan, sedangkan inklusi keuangan berpengaruh signifikan positif terhadap kredit UMKM perbankan. Model 3 menunjukkan bahwa literasi keuangan dan inklusi keuangan tidak berpengaruh signifikan terhadap kredit UMKM perbankan, sebaliknya dana pihak ketiga perbankan berpengaruh signifikan positif terhadap kredit UMKM perbankan.
The Effect of 2024 Presidential Election Announcement on Stock Abnormal Return in Energy and Consumer Non-Cyclical Sectors Sugiono, Janssen Evan; Kohardinata, Cliff
Jurnal Akuntansi Vol 14 No 02 (2026): AKUNESA (Januari 2026)
Publisher : Accounting Study Programme Faculty of Economics and Business Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/akunesa.v14n02.p185-194

Abstract

Major political events often serve as important catalysts for financial markets while simultaneously attracting public attention. A presidential announcement does not only mark leadership transition, but also conveys a strong signal that investors may interpret as a basis for formulating investment strategies, in line with signaling theory. The Indonesia elected president places energy and food downstreaming as key policy priorities; therefore, the energy sector and the consumer non-cyclical sector receive particular attention and are expected to be directly affected by the policy direction. This condition has the potential to shape market expectations and generate differing investor reactions across the two sectors. The aim of this study to examine the effect of the 2024 Presidential announcement and sectoral differences (energy sector and consumer non-cyclical sector) on stock abnormal returns in the energy and consumer non-cyclical sectors listed on the Indonesia Stock Exchange. The method applied is a multiple linear regression approach using data from 155 listed firms over the observation period of 13–27 March 2024. The results show that the presidential announcement has a significant negative effect on abnormal returns, indicating that abnormal returns (market reactions) are lower after the 2024 presidential announcement. This finding suggests that the market had anticipated the political direction prior to the official announcement. In addition, sectoral variable has a significant effect on abnormal returns, indicating that abnormal returns in the consumer non-cyclical sector are higher than those in the energy sector. This finding reflects investor optimism that food downstreaming will be realized more quickly than energy downstreaming, which requires a lengthier process.
Digital Risk Culture and Cyber Resilience Advantage in Indonesian Data Center Providers: Firm Competitive Performance and the Moderating Effect of Organizational Risk Response Habit Permadi, Aditya Dyan; Wiradinata, Trianggoro; Kohardinata, Cliff
Inkubis : Jurnal Ekonomi dan Bisnis Vol. 8 No. 1 (2026): INKUBIS Jurnal Ekonomi Dan Bisnis
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/inkubis.v8i1.149

Abstract

Background: The rapid digitalization of critical infrastructure has increased exposure to cyber threats. While research on cybersecurity governance is growing, the mechanisms linking behavioral cybersecurity culture to sustained resilience, particularly in high-availability digital infrastructure like data centers, are underexplored. This study addresses this gap by exploring how Digital Risk Culture (DRC) drives Sustainable Cybersecurity Transformation (SCT) and generates Cyber Resilience Advantage (CRA), with Organizational Risk Response Habit (ORRH) as a boundary condition. Objective: The study investigates how DRC impacts CRA through SCT and examines the moderating role of ORRH. It uses Resource Advantage Theory to conceptualize DRC as behavioral capital, SCT as an orchestration mechanism aligned with the NIST Cybersecurity Framework, and CRA as a resilience-based outcome. Methods: A quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) tested the hypotheses with data from 125 cybersecurity decision-makers in Indonesian data centers. PLS-SEM was chosen for its predictive modeling capabilities and ability to handle interaction effects. Results: Findings show DRC significantly influences SCT (beta = 0.499, p < 0.001), and SCT strongly enhances CRA (beta = 0.735, p < 0.001). ORRH negatively moderates the DRC-SCT relationship (beta = -0.120), indicating that excessive routinization can weaken adaptive transformation. The model explains 30.5 percent of the variance in SCT and 54.0 percent in CRA. Conclusion: This study highlights that DRC strengthens SCT, which enhances CRA in Indonesian data centers. The non-significant moderating effect of ORRH suggests formal governance mechanisms may counter routine reactivity, offering insights for CIOs and risk managers in fostering resilience-oriented transformation.
Co-Authors Aldo Christian Budiharjo Alexandre Desousa Guterres Alexandre Desousa Guterres Anabella, Tania Adeline Anastasia Filiana Ismawati Anastasia Filliana Ismawati Anastasia, Michelle Bambang Tjahjadi Bella Novyana Christian Herdinata Clarissa Rachmadella Roshidawati Deandra Vidyanata Diana Silaswara Elvina Florensia Evi Thelia Sari Fabian Benediktus Gissella Ezar Heinrich Tunky Helena Sidharta Idelia Idelia Jennifer Jennifer Jennifer Jevan Andreas Talahaturusun Jevan Andreas Talahaturusun Jevan Andreas Talahaturusun Joshua Laurens Kamil Baraja Karen Aurelia Kazia Laturette Kusuma, Meidiahna Kylie Julia Ahmad Laurentia Yuke Elsinta Lieanto, Calvin Timothy Luky Patricia Widianingsih Maria Asumpta Evi Marlina Mega Brilliant Chandra Natalia, Karisma Ni Made Gianti Nicklaus Stanley Nicklaus Stanley Nico Selim Nike Ardiansyah Novita, Rena Novrys Suhardianto Nugroho, Alexander Yonathan Nydia Wirawati Ongkowijoyo, Meliana Kristin Permadi, Aditya Dyan Pian Sopian Purwananti, Verra Okti Puspa Kirana Harwinanda Renata, Madeline Riyan Suwhikno Soetedja, Venny Stanley, Nicklaus Sugiono, Janssen Evan Suryanto, Dicky Tanzila Talahaturusun, Jevan Andreas Trevina, Valisha Trianggoro Wiradinata Vania Caroline Hanjaya Verra Okti Purwananti Wiliam Santoso Wirawan ED Radianto Yopy Junianto