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Kebijakan Lindung Nilai (Hedging) pada Perusahaan untuk Menjamin Kinerja Perusahaan Muftiasa, Afdol; Wibowo, Lili Adi; Hurriyati, Ratih; Rahayu, Agus
Akuntansi: Jurnal Akuntansi Integratif Vol. 9 No. 1 (2023): Volume 9 Nomor 1 April 2023
Publisher : Prodi Akuntansi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29080/jai.v9i1.1234

Abstract

Risk fluctuations, including such changes in interest rates, exchange rates, and commodity prices, have a negative impact on business performance and can be mitigated by hedging. Derivative instruments are the preferred method for hedging. Internal hedging calculations take into account size, growth prospects, financial distress, leverage, and liquidity. This study's goal is to examine the variables that influence the hedging decisions of businesses. This study employs a descriptive qualitative methodology. The most influential factors in determining a company's hedging strategy are its size and growth prospects, according to the research. The greatest effect comes from the company's size and growth potential in order to influence the company's hedging policies. Other factors such as leverage, liquidity, financial distress, market depth risk are not so dominant in influencing the company's hedging decisions. However, several variables or factors that are not the dominant factor will be important according to the industry or line of business of each company.Recommendations for further research can be carried out by analyzing the company's external factors that influence hedging decisions.
Educational empowerment for marketing staff: Linking customer relationship orientation, digital banking, and R&D cooperation in Bank BJB Megantara, Khandinar Shidik; Hurriyati, Ratih; Hendrayati, Heny; Sultan, Mokhamad Adib
Educenter : Jurnal Ilmiah Pendidikan Vol. 4 No. 2 (2025): Educenter: Jurnal Ilmiah Pendidikan
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/educenter.v4i2.1870

Abstract

This study investigates how Customer Relationship Orientation (CRO) and Digital Banking Orientation (DBO) influence Marketing Performance (MP) in Bank BJB, with Marketing Research and Development Cooperation (MRDC) as a moderating variable. Distinct from prior studies, this research introduces an educational perspective emphasizing how marketing staff empowerment through education, digital literacy, and continuous learning strengthens organizational adaptability and competence. Using a quantitative explanatory method, data were collected from 316 marketing personnel proportionally selected from 1,762 employees across Bank BJB’s regional branches. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that both CRO and DBO significantly enhance marketing performance, demonstrating that customer-focused and digitally adaptive strategies are essential for sustaining competitiveness in the banking sector. Moreover, MRDC strengthens these relationships by facilitating the translation of customer insights and technological innovation into more effective marketing strategies. The findings suggest that education-based empowerment, including training in digital banking systems, customer analytics, and R&D collaboration, is vital to develop marketing competence. Therefore, organizational learning and educational interventions should be institutionalized to foster innovation, responsiveness, and long-term performance in the banking sector.
Educational empowerment for marketing staff: Linking customer relationship orientation, digital banking, and R&D cooperation in Bank BJB Megantara, Khandinar Shidik; Hurriyati, Ratih; Hendrayati, Heny; Sultan, Mokhamad Adib
Educenter : Jurnal Ilmiah Pendidikan Vol. 4 No. 2 (2025): Educenter: Jurnal Ilmiah Pendidikan
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/educenter.v4i2.1870

Abstract

This study investigates how Customer Relationship Orientation (CRO) and Digital Banking Orientation (DBO) influence Marketing Performance (MP) in Bank BJB, with Marketing Research and Development Cooperation (MRDC) as a moderating variable. Distinct from prior studies, this research introduces an educational perspective emphasizing how marketing staff empowerment through education, digital literacy, and continuous learning strengthens organizational adaptability and competence. Using a quantitative explanatory method, data were collected from 316 marketing personnel proportionally selected from 1,762 employees across Bank BJB’s regional branches. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that both CRO and DBO significantly enhance marketing performance, demonstrating that customer-focused and digitally adaptive strategies are essential for sustaining competitiveness in the banking sector. Moreover, MRDC strengthens these relationships by facilitating the translation of customer insights and technological innovation into more effective marketing strategies. The findings suggest that education-based empowerment, including training in digital banking systems, customer analytics, and R&D collaboration, is vital to develop marketing competence. Therefore, organizational learning and educational interventions should be institutionalized to foster innovation, responsiveness, and long-term performance in the banking sector.
Confirmatory Factor Analysis: User Behavior M-Commerce Gamification Service in Indonesia Rakhmanita, Ani; Hurriyati, Ratih; Gaffar, Vanessa; Adi wibowo, Lili
JOIV : International Journal on Informatics Visualization Vol 6, No 2 (2022)
Publisher : Society of Visual Informatics

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30630/joiv.6.2.848

Abstract

Gamification of marketing is a fast-growing phenomenon and an innovation for mobile marketing. Gamification is a strategy for increasing the attractiveness of mobile consumers to encourage increased shopping behavior, loyalty, engagement, and product advocacy. Understanding the factors behind the use of gamification services in m-commerce is very interesting, and no one has done any research. This study investigates the theory of self-determination (competence, autonomy, and relatedness) and extrinsic motivation as a predictor of the use of m-commerce gamification services. Data was collected from 400 respondents who had experienced using gamification services on m-commerce. The data was then included in the analysis. Analysis of the data using confirmatory factor analysis to determine the dominant factors of gamification service users. The benefits of factor analysis confirm the dominant factors that motivate users of gamification services in m-commerce. Researchers use AMOS 18 for Windows software to assist in the data processing. The results show that extrinsic motivation is the dominant factor that motivates users of gamification services. This finding provides insight for m-commerce companies and game designers to improve gamification mechanisms based on virtual points to motivate users to be more active and continue using gamification services. For the next research, it is possible to validate the construct by using other theoretical approaches, such as adding flow theory to measure the motivational factors of gamification service users. The research object can use other applications, such as gamification services in health, education, and banking applications.
Personal Branding of Lecturers and Word of Mouth: Effective Education Strategy in Increasing the Attractiveness of Entrepreneurship Study Program and Reputation of Pelita Bangsa University Harisandi, Prasetyo; Hurriyati, Ratih; Gaffar, Vanessa; Adi Wibowo, Lili; Yanti, Pitri; Yusriani, Sri; Purwanto, Purwanto
IJORER : International Journal of Recent Educational Research Vol. 6 No. 3 (2025): May
Publisher : Faculty of Teacher Training and Education Muhammadiyah University of Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46245/ijorer.v6i3.813

Abstract

Objective: This study is to evaluate the influence of lecturers' personal branding and community conversations on the attractiveness of the Entrepreneurship Study Program and the reputation of Pelita Bangsa University. Method: The sample surveyed was 150 students of the Pelita Bangsa University Entrepreneurship Study Program. With the help of the SmartPLS program, research data were collected from filling out questionnaires and analyzed quantitatively using the SEM PLS analysis technique. Results: This study shows that (1) Personal branding of lecturers has a significant effect on the attractiveness of study programs, (2) positive WOM increases the attractiveness of study programs, (3) Personal branding of lecturers does not have a significant direct effect on university reputation, (4) WOM has a significant effect on university reputation, (5) The attractiveness of study programs functions as a mediator that connects personal branding of lecturers and WOM with university reputation. Novelty: This study creates an integrative model that links lecturer personal branding, word of mouth (WOM), study program attractiveness, and university reputation. Unlike previous studies that addressed each of these factors separately, this study emphasizes that lecturer image and WOM do not directly improve university reputation. In addition, this study incorporates the concept of academic marketing into higher education, which was previously used more in business studies. This opens new eyes.
The Role of FOMO on Netflix Subscription Intention Damayanti, Fenny; Hurriyati, Ratih; Disman, Disman; Hendrayati, Heny; Pamuji Aminullah, Zakariya
IJORER : International Journal of Recent Educational Research Vol. 7 No. 1 (2026): January
Publisher : Faculty of Teacher Training and Education Muhammadiyah University of Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46245/ijorer.v7i1.1215

Abstract

Objective: This study examines the influence of Fear of Missing Out (FOMO) on Generation Z university students' Netflix subscription intention. The research is motivated by the increasing reliance of students on streaming platforms for entertainment, cultural exposure, and informal learning, alongside heightened psychological pressures associated with digital connectivity. Method: A quantitative explanatory approach was employed using online questionnaires distributed to 385 university students aged 18–24 who actively use Netflix. Out of 400 questionnaires distributed, 385 were returned and deemed valid (response rate: 96.25%). Non-probability purposive sampling was applied. Data analysis included descriptive statistics, reliability and validity testing (HTMT criterion for discriminant validity), and hypothesis testing using Partial Least Squares Structural Equation Modeling (PLS-SEM) with bootstrapping. Results: Students exhibited moderate-to-high FOMO levels (M = 3.87, SD = 0.92) and predominantly high subscription intentions (M = 4.12, SD = 0.78) on a 5-point Likert scale. FOMO had a significant positive effect on subscription intention (β = 0.432, p < 0.001), explaining 43.2% of the variance. Perceived usefulness, social influence, and digital literacy were measured as contextual variables but not incorporated into the structural model. The remaining 56.8% of unexplained variance indicates that other psychological, social, and technological factors warrant future investigation. Novelty: This study provides empirical evidence that FOMO is a significant predictor of streaming platform adoption among Generation Z. The findings offer practical implications for platform providers and educational institutions to develop targeted interventions addressing psychological drivers and digital literacy competencies relevant to subscription behavior in higher education contexts.
CREATING EXPERIENCE VALUE TO BUILD STUDENT SATISFACTION IN HIGHER EDUCATION Muji Gunarto; Ratih Hurriyati
Dinasti International Journal of Education Management And Social Science Vol. 1 No. 3 (2020): Dinasti International Journal of Education Management and Social Science (Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijemss.v1i3.166

Abstract

Higher education products or services received by students are experiential values. The purpose of this study is how to create the values of student experience so that student satisfaction arises. Higher education should now focus on students by creating strong ties with students and alumni. This research was conducted with a survey confirmatory approach. The survey was conducted at 32 universities in South Sumatra Province, Indonesia with a total sample of 357 students. The sampling technique used was stratified random sampling and data analysis using structural equation modeling (SEM) analysis. The results showed that the values of experience in HE were formed through increased co-creation in HE, where students were directly involved in various campus activities. High co-creation shows that there is a stronger attachment of students to HE and higher value of student experience. Co-creation does not directly affect student satisfaction, but it does indirectly affect experience value. If the value of experience is higher, student satisfaction will also be higher.
ANALYSIS OF E-CRM, E-MARKETING ON CUSTOMER LOYALTY WITH INTERVENING VARIABLES OF CUSTOMER SATISFACTION AT PT. INDOFOOD CBP SUKSES MAKMUR Tbk. Yuliati Yuliati; Ratih Hurriyati; Moch. Adieb Sultan
Dinasti International Journal of Education Management And Social Science Vol. 2 No. 6 (2021): Dinasti International Journal of Education Management and Social Science (Augus
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijemss.v2i6.997

Abstract

The purpose of this study was to determine the effect of E-CRM and E-Marketing on customer loyalty and intervening satisfaction of consumers of PT. Indofood. In this study, the authors use Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach to answer research problems related to the effect of E-CRM and E-Marketing on customer loyalty with the intervening variable of customer satisfaction. This study indicates that based on the results of hypothesis testing, E-CRM affects customer loyalty with the intervening variable of customer satisfaction, as well as the results of testing the hypothesis that E-Marketing affects customer loyalty with the intervening variable of customer satisfaction.
Peta Jalan Pendidikan Pariwisata di Indonesia (Konsep, Permasalahan dan Solusi) Kartika, Titing; Yusuf, Syamsu; Hurriyati, Ratih; Hendrayati, Heny
Jurnal Ilmiah Pariwisata Vol 26 No 3 (2021): Jurnal Ilmiah Pariwisata
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat, Institut Pariwisata Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30647/jip.v26i3.1517

Abstract

Tourism in Indonesia is a new field of science in the academic field. After the official recognition of tourism as a science in 2008, there was a significant development of tourism education in Indonesia at both the high school and university levels. However, in its implementation there are still some obstacles in the implementation of this education, both in terms of human resources (HR), teaching facilities, curriculum, as well as the absorption of graduates in related fields as well as synchronization with industry. The methodology used in this research is descriptive qualitative. Data processing is based on literature and document studies regarding the development of tourism education nationally and globally. Other data collection was also carried out through interviews with tourism education providers. The results showed that solving the existing problems required efforts and commitment from across sectors such as government, industry, academia, and society. Thus the current road map for tourism education is not only seen as a science but can also make a real contribution, namely improving the welfare of the community. Keywords: Tourism Education, Community Welfare, Road Maps, Tourism, Education
Implementation of Blue Ocean Strategy in Facing Business Competition: A Startup Case Study of Lapangbola.Com Hermawan, Adam; Hurriyati, Ratih; Hendrayati, Heny; Sultan, Mokh Adib
Jurnal Manajemen Bisnis Vol. 15 No. 1: March 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v15i1.20486

Abstract

Research aims: This study discusses the specific blue ocean strategy employed by lapangbola.com to emerge successful in the business competition.Design/Methodology/Approach: This study employed a descriptive qualitative methodology, utilizing interviews with relevant individuals (Operations and Marketing managers) from lapangbola.com. The analysis was conducted using the Blue Ocean Strategy, employing a strategy canvas, a four-step framework, and a six-step framework for data gathering.Research findings: A business competition strategy employs a blue ocean strategy approach that originates from business innovation, encompassing product development, operational enhancements, and the utilization of efficient digital marketing channels.Theoretical Contribution/Originality: This research serves as valuable information for decision-makers, particularly in startup firms, seeking to enhance their business growth by adopting a blue ocean strategy approach. The successful implementation of this technique by lapangbola.com, a startup business in the sports industry, further exemplifies its effectiveness.Practitioners/Policy Implications: Startup companies or businesses in the digital industry might employ a blue ocean strategy, characterized by a rigorous, flexible, and inventive approach, to analyze the market and formulate an effective formula for company development.Research Limitations/Implications: The limitations of this research are found in the secondary data (literature studies) used, this is because not many businesses have consciously implemented blue ocean strategy simultaneously using canvas strategies, 4-step frameworks and 6-step frameworks. More in-depth analysis is needed on the implementation of the blue ocean business strategy that will be carried out at each startup.
Co-Authors Aam Rachmat Mulyana Abdul Yusuf Adam Hermawan Adib Sultan, Adib Adieb Sultan, Moch. Afdol Muftiasa Aghnia Fadilah, Ratu Agus Rahayu Agustini, Kamelia Ahmad Gunawan Ahmad Kamaludin Al Qorni, Alfi W Alfy, Riadh Alia Zulfah Fahriyyah, Alia Alifya Putri Maharani Sondra Allya Roosallyn Assyofa Amalia Madi, Riski Andar Danova L. Goeltom Andar Danova Lastaripar Goeltom Andre Suryaningprang Andrey Satwika Yogaswara Andriani, Nukeu Novia Anggitasari, Siti Rafi Anggraeni, Tuti Ani Rakhmanita Annisa Megaswara Ardelia Azhar Arifianti Ari Riswanto, Ari Arifianti, Ardelia Azhar Aripin, Arip Nur Arlin Ferlina Mochamad Trenggana Arlin Ferlina Mochmad Trenggana Arry Widodo Arus Reka Prasetia Asaretkha Adjane Annisawati Asep Kurniawan Asep Munawar Asimah, Vincent Kweku Awalludin, Dudi Aynie, Rahmi Qurrota Ayuningtyas Yuli Hapsari Ayus Ahmad Yusuf Bambang Widjadjanta Bambang Widjadjanta Bambang Widjajanta Bambang Widjajanta Bambang Widjajanta, Bambang Bayu Indra Setia Budi Harto Budi Prakoso, Budi Budi Prasetiyo, Budi Chaerunnisa Chaerunnisa Chaerunnisa Chairul Furqon, Chairul Chatarina Umbul Wahyuni Christianingrum D. Disman Damayanti, Fenny Dani Dagustani Depy Muhamad Pauzy Deri Prayudi Destri Mailinda Tianingrum Dewi Mayangsari Dinda Helisa Dirgantari, Dwi Puspo Dirgantari, Puspo Disman Disman Disman Disman Disman Disman Disman, Disman Edi Firdaus Effendy, Femmy Ekarini, Mira Indriyulia Eko Susanto Elvira Azis Elyusufi, Abdul Muhaimin Emi Amelia Emi Amelia Engga Jalaludin Erik Syawal Alghifari ERNAWATI Erni Martini Fahmi, Radiyul Fairuz Rifqi Abdurahman Faizal Fardhani Sigarlaki Faizal, Yopa Fajar Gumelar Maulana Fajar Ramadhan Fathurrohman, Firdaus Femmy Effendy Femmy Effendy Ferry Arfiansyah Filda Rahmiati Firdausi Sulaksana, Ratu Dintha Insyani Zukhruf Firman Hidayat Firman Hidayat Firmansyah, Haidar Al Fardan Fitria Ashafira Friliyantie, Deska Galang Putra Nusantara, Galang Putra Gatot Iwan Kurniawan Gilang Bhirawa Noraga Girang Razati Girang Razati, Girang Gusni . Hadi Nasbey Halimah, Helly Siti Hamsani Hamsani Hari Mulyadi, Hari harisandi, Prasetyo Hartati, Ajeng Sri Hartono, Pierdijono Hasan, Pupung Puad Heny Hendrayanti Heny Hendrayati Heny Hendrayati Herdina, Nova Hernandi Sujono Hernandi Sujono Hidayat, Yusuf Murtadlo Hifzhil Rahman Hilda Monoarfa Hilda Monoarfa Hilmi Muttaqien, Hilmi Hilmi, Rafiqi Zul Igus Rahmat Ginanjar Indradewa, Rhian Irawan, Rini Larasati Irna Widiastuti, Irna Isrososiawan, Safroni Ittaqullah, Nurul Iwan Setiawan Jalaludin, Engga Johan, Ahmad Julia Famor Pratami Jumadil Saputra Kamiluddin Kania Widyatami Kartika, Diana Ani Kartika, Titing Kharisma Sumiati Khelvin Aidil Fitriansyah, Khelvin Aidil Kusumah, Echo Perdana L. Lisnawati Lili Adi Wibowo Lili Wibowo Lisnawati Lisnawati M Maghfur, M M Sandi Marta Maisa Azizah Asmara Marcellia Susan Maryani, Dedeh Masharyono Masharyono Maulana, Teguh Nurakmal Maulana, Yono Maulidyna, Risna Medidjati, R. Adam Megantara, Khandinar Shidik Mirza Abdi Khairusy Moch. Adieb Sultan Mochamad Malik Akbar Rohandi Mohamad Faizal Mohamad Reza Nurpratama Mohammad Soni Mokh Adib Sultan Mokh Adib Sultan, Mokh Adib Mokh Adieb Sultan Mokh. Sultan Monoarfa, Hilda Mubdi Mulya Isfahami Muchtar, Muhammad Muhamad Anggi F Muhammad Fatwa F Muhammad Januar Muhammad Muchtar Muji Gunarto Mulyana, Helmi Munir Nur Komarudin Murugesu, Karina Devi Muthalib, Dzulfikri Azis Nabilah Ramadhan Nasrul Ni Putu Nurwita Pratami Ni Putu Nurwita Pratami Wijaya Noor Faizah Mohd Lajin Nugraha Nugraha Nugraha, Rifki Candra Nukeu Novia Andriani Nurpratama, Mohamad Reza Nurul Aziz Pratiwi Nurul Hutami Ningsih Pamuji Aminullah, Zakariya Pangestu, Erry S.R Pramudita Faddila, Syifa Pranadita, Nugraha Prasetyo Harisandi Prasetyo Harisandi Prasetyo Harisandi Prasetyo Hartanto Prihadi, M Dana Primanola Perdananti Pupung Puad Hasan Purnomo Purnomo Purnomo Purwanto Purwanto Puspito Diyah Setiyorini, Heri Puspo Dewi Dirgantara Puspo Dewi Dirgantari Puspo Dewi Dirgantari Puspo Dewi Dirgantari Puspo Dirgantari Putra, Yuda Dharma Putri Fariska Sugestie Rahmayani Ode, Hesty Ramadhan, Didit Ramadhian, M. Arief Rahman Ratu Dintha Insyani Zukhruf Firdausi Sulaksana Ratu Dintha Insyani Zukhruf Firdausi Sulaksana Rd. Dian Herdiana Utama, Rd. Dian Herdiana Rennyta Yusiana Rennyta Yusiana Rennyta Yusiana Resti Indriarti Rina Suprina Rini Andari, Rini Rini Larasati Irawan Rini Utari, Rini Rismayanti, Rosi Rivaldi Arissaputra Romlah Rommy Suleman, Nursaban Santi Sofyani, Santi Saputri, Windy Eka Sarah, Kania Siti SATRIYAS ILYAS Savitri, Citra Senny Luckyardi Sentika, Sarah Setiawan, Rahyuniati Sharifah Zannierah Syed Marzuki Sidiq Idris Azzam, Muhammad Sigarlaki, Faizal Fardhani Sri Astuti Pratminingsih Sugiharto, Nur Aziz Sugiono, Ahmad Suhono Suhono Suhono Suhono Sujono, Hernandi Sukma Nugraha Sukmayana, Dodi Sulastri Sulastri Sulastri, S Sultan, Adib Mokh Sumantri, Dadan Sumaryana , Fitriana Dewi Suryana Suryana Syamsu Yusuf Syamsu Yusuf, Syamsu Syamsul Hadi Senen, Syamsul Hadi Taufik, Erwin Taufiq Rahmat Theresia Gunawan Tiar Lina Situngkir Timilehin Olasoji Olubiyi Tri Haryanto Triyono Adi Tristanto Uus Muhamad Husni Tamyiz Vanessa Gaffar Vanessa Gaffar Vigory Gloriman Manalu Vika Nurpriyanti, Vika Wahyuddin, Nisaa Nursyabanniyah Wendi Andriatna, Wendi Widjadjanta, Bambang Widyatami, Kania Wiyarno Wiyarno Yanti, Pitri Yasir Maulana Yogi Suprayogi Yono Maulana Yosep Hidayat Yulandri, Elsa Yuliarti Maghfira Annahli Yuliati - Yuliati Yuliati Yuliawati, Novi Yuniar Sari Ratna Puri, Yuniar Sari Yunior, Ray Yusriani, Sri Zhixin Li