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All Journal JURNAL MUTIARA AKUNTANSI REMIK : Riset dan E-Jurnal Manajemen Informatika Komputer International Journal of Business, Law, and Education Indonesian Journal of Islamic Economics and Business Jurnal Visi Pengabdian Kepada Masyarakat Jurnal Akuntansi Keuangan dan Bisnis KOMMAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomi dan Bisnis (JEB) Pareto : Jurnal Riset Manajemen dan Bisnis West Science Interdisciplinary Studies West Science Interdisciplinary Studies International Journal of Social and Education (INJOSEDU)
Kristiurman Jaya Mendrofa
Universitas Nias Raya
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Neuroscience Social Sciences Other

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Financial Risk, Corporate Governance, And Financial Performance: An Empirical Study On Bank Indonesia Marselino Wau; Jhon Firman Fau; Kristiurman Jaya Mendrofa; Zaitul
Jurnal Akuntansi Keuangan dan Bisnis Vol 16 No 2 (2023): Jurnal AKuntansi Keuangan dan Bisnis
Publisher : Politeknik Caltex Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35143/jakb.v16i2.6139

Abstract

This study explores the interplay of financial risk and corporate governance on Bank Indonesia's performance. Data from 19 Exchange-listed Indonesian banks' 2020-2022 reports were analyzed via variable and PLS-SEM methods. Credit risk impact was found minor, while market risk significantly influenced performance. Managerial ownership positively affected, while public ownership had substantial impact. Thus, governance disclosure affects bank performance. Managing market risks and enhancing ownership practices is crucial. Findings suggest revising credit risk assessment for indirect performance betterment. Improving governance and addressing market risk can elevate banking performance. Insights guide the sector in enhancing performance determinants, informed by this study. Keywords: Financial Risk, Corporate Governance, and Financial Performance.
E-COMMERCE APPLICATION DEVELOPMENT WITH SECURE PAYMENT METHOD INTEGRATION Bekti Utomo; Jaya Mendrofa, Kristiurman; Judijanto, Loso
INTERNATIONAL JOURNAL OF SOCIAL AND EDUCATION Vol. 1 No. 6 (2024): September
Publisher : Pondok Pesantren Baitul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research discusses the development of e-commerce applications with the integration of secure payment methods. The focus of this literature is to analyze the various approaches and technologies used to ensure secure financial transactions in e-commerce platforms. In the current digital era, payment security is an important factor that influences user trust and comfort. Through a study of various literature sources and previous research, we found that encryption technology, tokenization, and compliance with industry standards such as PCI-DSS (Payment Card Industry Data Security Standard) play a key role in preventing fraud and protecting customer data. Additionally, diversification of payment methods to include credit/debit cards, e-wallets, and bank transfers, not only enhances security but also provides more flexibility for users. This research also highlights the importance of regular evaluations and audits to keep systems up-to-date with the latest threats. The conclusion of this study confirms that the integration of secure payment methods not only increases the level of customer trust and loyalty but also becomes a critical business strategy for the long-term sustainability of e-commerce platforms.
Efektivitas Dana Perimbangan dan Pendapatan Asli Daerah Terhadap Pertumbuhan Ekonomi di Provinsi Sumatera Barat Wau, Marselino; Mendrofa , Kristiurman Jaya
JURNAL MUTIARA AKUNTANSI Vol. 7 No. 2 (2022): Jurnal Mutiara Akuntansi
Publisher : UNIVERSITAS SARI MUTIARA INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51544/jma.v7i2.3523

Abstract

Kondisi perekonomian Sumatera Barat periode 2011-2018 biasa-biasa saja dan tidak pernah mengalami pertumbuhan ekonomi tertinggi dari semua pemerintah provinsi yang ada di pulau Sumatera.  Tujuan penelitian ini untuk menganalisis pengaruh dana perimbangan dan pendapatan asli daerah terhadap pertumbuhan ekonomi. Jenis penelitian ex post facto dengan objek penelitian adalah Kabupaten/Kota di Provinsi Sumatera Barat. Analisis data menguji hipotesis menggunakan regresi data panel dan regresi variable mediasi. Hasil penelitian mengungkapkan dana perimbangan, pendapatan asli daerah,  berpengaruh positif signifikan terhadap pertumbuhan ekonomi.
The Effect of Green Marketing, Sustainable Market Research, and Consumer Engagement on Brand Loyalty and Consumer Legitimacy in MSMEs in Indonesia Mendrofa, Kristiurman Jaya
International Journal of Business, Law, and Education Vol. 5 No. 1 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i1.491

Abstract

The purpose of this study is to examine how consumer involvement, sustainable market research, and green marketing strategies affect brand loyalty and customer legitimacy in Micro, Small, and Medium-sized Enterprises (MSMEs) in Indonesia. Structural Equation Modelling (SEM) with Partial Least Squares (PLS-SEM) as the analysis approach was used in a quantitative analysis including 238 MSMEs from various industries and geographies. The study's sustainable practices have a strong positive correlation with both customer legitimacy and brand loyalty, according to the findings. The results underline the significance of sustainability in building legitimacy and loyalty among consumers as well as the mediating function that these practices have in influencing consumer views. Actionable insights for MSMEs, policymakers, and researchers are provided by the discussion of the practical and policy implications.
The Influence of Brand Ambassador, User Interface and Free Shipping Program on Purchasing Decisions through Tokopedia E-commerce with Brand Trust as an Intervening Variable Anindya, Annisa; Arslan, Rijal; Mendrofa, Kristiurman Jaya
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.955

Abstract

This study aims to evaluate the influence of Brand Ambassador, User Interface, and Free Shipping Programme on E-Commerce Tokopedia, with Brand Trust acting as an intervening variable. This study employs quantitative approaches and purposive sampling procedures with a sample of 100 respondents. Employing path analysis with Smart PLS version 3 for data analysis. The study's findings demonstrate that brand ambassadors have a favourable and substantial effect on brand trust; nevertheless, their influence on purchasing decisions through Tokopedia is negligible. The user interface has a positive and substantial impact on brand trust and purchasing decisions. The Free Shipping Programme affects brand confidence and purchasing decisions. Brand trust successfully mediates the impact of Brand Ambassador, User Interface, and Free Shipping Programme on purchasing decisions.
Analisis Faktor-faktor yang Mempengaruhi Minat Beli Asuransi Syariah dengan Brand Image sebagai Variabel Intervening Anindya, Annisa; Arslan, Rijal; Jaya Mendrofa, Kristiurman
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/wp1s7052

Abstract

This study aims to assess the impact of Price, Product Suitability, and Service Quality of Sharia General Insurance on Purchase Intention, with Brand Image serving as an intervening variable. A quantitative approach is used in this research, employing accidental sampling, with 125 respondents from the Greater Jakarta area (Jabodetabek) who are already familiar with Sharia General Insurance. The data analysis method applied is path analysis. The results of hypothesis testing, as part of the inner model evaluation, show that the Price and Product Suitability variables do not significantly influence Purchase Intention, either directly or indirectly. In contrast, the Service Quality variable significantly affects Purchase Intention through Brand Image as an intervening variable. Service Quality also significantly influences Brand Image. The Brand Image variable, acting as an intervening variable in this study, is shown to have a significant impact on Purchase Intention. To enhance public interest in Sharia General Insurance in Jabodetabek, companies should focus on strengthening their Brand Image to improve recognition and trust among potential customers. Additionally, service quality should be enhanced by incorporating distinct Sharia characteristics, such as utilizing the Sharia ecosystem to provide added value for consumers.
Co-Authors Amaano Fau Anita Zagoto Annisa Anindya Arslan, Rijal Baziduhu Laia Bekti Utomo Bestari Laia DUHA, AGUSTINUS Fau, Jhon Firman Fau, Yohanna Theresia Venty Ferdinand Tharorogo Wau HAREFA, ARIANUS Harefa, Darmawan Hendri Khuan Hulu, Fatolosa Judijanto, Loso Jurisman Waruwu Kaminudin Telaumbanua Khuan, Hendri Laia , Askarman Lase, ndah Permata Sari Lies Dian Marsa Ndraha Marselino Wau Mas Wiartha, Nyoman Gede Mastawati Ndruru Maswiartha, Nyoman Gede Murnihati Sarumaha Nekky Rahmiyati Ni Desak Made Santi Diwyarthi Novialdi, Andrian Purwoko, Agus Rahmiyati , Nekky Samanoi Halowo Fau Santi Diwyarthi, Ni Desak Made Selfi Yanti Bali Tafonao, Aluiwaauri Telaumbanua, Tatema Timotius Duha Yohanes Dakhi Yonathan Sebastian Laowo Yurmanius Waruwu Zagoto, Impiani Zaitul Zaitul