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The impact of green finance on profitability with credit risk as an intervening variable Afifah Afifah; Erna Listiana; Wendy Wendy; Mustarudin Mustarudin; Giriati Giriati
International Journal of Applied Finance and Business Studies Vol. 11 No. 3 (2023): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i3.170

Abstract

Sustainable Development Goals (SDGs) have become a global concern and have touched various industrial sectors. Through the application of green finance in the financial industry, green credit is provided by banks to support the sustainability of business projects based on environmental sustainability as determined in the Sustainability in the Sustainable Business Activity Category (KKUB) by OJK. On the other hand, as profit-oriented companies, banks need to consider how it impacts credit risk and banking profitability. Using credit risk as an intervening variable, this study seeks to establish the correlation between green finance and profitability of banks listed on the Indonesia Stock Exchange. This research uses the path analysis method and a quantitative study using the financial statements of banks that apply green finance for 2018-2022. The result shows that green lending (green finance) positively affects credit risk and negatively impacts bank profitability. Other result shows that credit risk can mediate the development of green lending on profitability.
The effect of operating capacity and leverage on financial stability: Testing the interaction of coporate governance Amanda Dwi Damayanti; Erna Listiana; Wendy Wendy; Mustarudin Mustarudin; Uray Ndaru Mustika
International Journal of Applied Finance and Business Studies Vol. 11 No. 3 (2023): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i3.192

Abstract

Financial stability is a picture of the unstable financial condition of a company that can allocate its financial resources to prevent interference with the financial system. This study examines the influence of leverage variables and operational capacity on corporate financial stability in the property and real estate industries, with corporate governance factors as moderation. The data used is the annual Property and Real Estate Companies report on the Indonesian Stock Exchange for 2018-2022. The study involved 91 companies as a population, and 22 samples were taken over a five-year analysis period. Data analysis using panel data regression with E-Views 12 as software. Financial stability is affected positively and significantly by Operational Capacity, while Corporate Governance and Financial Stability are affected negatively and significantly by Leverage. That can explain the importance of financial stability in a company so that it can continue to survive and thrive. This research aims to give readers and stakeholders insight into Financial Stability in the real estate sector, thus minimizing the risk of financial difficulties in a company. Further research needs to add relevant variables and expand research objects.
Does task technology fit, social influence, and habit impact on actual usage of mobile banking in Indonesia? Rafisya Arinda Pramesti; Nur Afifah; Erna Listiana; Wenny Pebrianti; Ana Fitriana
Jurnal Mantik Vol. 7 No. 3 (2023): November: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v7i3.4404

Abstract

Currently, technological developments are increasingly rapid due to digitalisation. Digitalisation has caused several phenomena that encourage community activities, including the cashless society phenomenon. The implementation of mobile banking in cashless transactions in the cashless society phenomenon is driven by several factors. This research was conducted to determine the influence of task technology fit, social influence, and habit on cashless behavioural intention and impacts on actual usage of BNI Mobile Banking in Indonesia. This research adopts the UTAUT 2 and Task Technology Fit model theories. This research is a quantitative research with 236 respondents. The research measurement model was analysed using Structural Equation Modeling (SEM) and the AMOS 22 statistical tool. The findings of this study show that task technology fit, social influence, and habit all positively impact people's intention to implement cashless behaviour, which positively impacts the actual usage of BNI Mobile Banking. Cashless behavioural intention can also mediate task technology fit, social influence and habit on actual usage of BNI Mobile Banking. Through digital and mobile banking solutions, this research supports the marketing strategy of the banking industry to turn Indonesia towards a cashless society by 2030.
The influence of brand ambassador, country of origin, and brand credibility on purchase intention of Some By Mi products in Indonesia moderated by consumer ethnocentrism Via Rozania; Nur Afifah; Erna Listiana; Ahmad Shalahuddin; Hasanudin Hasanudin
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.381

Abstract

The entertainment industry is prevalent worldwide, one of which is Indonesia. This represents the existence of a wave of Korean culture or what is usually called the Korean Wave. Products from South Korea have become one of the attractions for fans of Korean culture in Indonesia in recent years due to the increasing popularity of the Korean Wave. One example is beauty products or cosmetics from South Korea. This research aims to determine the influence of brand ambassador, country of origin, and brand credibility on purchase intention for Some By Mi products in Indonesia moderated by consumer ethnocentrism. This research is a type of quantitative research. Data collection was carried out by distributing questionnaires to 210 respondents. The sampling technique in this research used nonprobability sampling with purposive sampling type. The analysis technique used in this research is structural equation modeling (SEM) using the AMOS 24 statistical tool. The research results show that brand ambassador, country of origin, and brand credibility positively and significantly affect purchase intention. Meanwhile, consumer ethnocentrism as a moderator negatively and significantly influences purchase intention. This research can contribute to business people responding to consumer preferences with diverse ethnocentric backgrounds.
The influence of cafe atmosphere, food quality and product variety on revisit intention with customer satisfaction as a mediation variable in CW Coffee West Kalimantan Muhammad Jerry Alessandro; Syahbandi Syahbandi; Erna Listiana; Barkah Barkah; Titik Rosnani
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.382

Abstract

This research examines the influence of cafe atmosphere, food quality, and product variety on revisit intention, with customer satisfaction as a mediating variable at CW Coffee West Kalimantan. Coffee is a drink that is highly sought after and consumed throughout the world. In 2020, total coffee consumption throughout the world is estimated to reach around 167 million kg. In Indonesia, data shows an increasing trend in coffee consumption, with significant growth over the last seven years, having an impact on the growth of the coffee industry in this country. One of the striking coffee shops in West Kalimantan is CW Coffee. The popularity graph shows that CW Coffee dominates compared to other competitors. CW Coffee is a local brand that started in Pontianak City, and has developed in the West Kalimantan area. In the face of increasingly fierce competition in this industry, this research aims to understand the factors that influence revisit intention at CW Coffee. Several factors that can influence revisit intention include cafe atmosphere, food quality, product variety, and customer satisfaction. In this case, customer satisfaction is considered as a mediating factor that connects these factors with revisit intention. This research uses quantitative methods and focuses on cause-and-effect relationships between variables. Data was collected through a questionnaire with a 5 point likert scale, and the research sample consisted of 220 respondents who were CW Coffee consumers. Data analysis uses Structural Equation Modeling (SEM) with AMOS 24 statistical tools. The results of this research are expected to provide deeper insight into the factors that influence consumers repurchase intentions at CW Coffee, which in turn can help companies improve their marketing strategies and service to customers.
Customer experience and brand image on loyalty through customer satisfaction of Erigo consumers Angelika Firdaus; Titik Rosnani; Erna Listiana; Harry Setiawan; Ana Fitriana
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.386

Abstract

The increasing number of competitors emerging in the market compete to create various product variants and increasingly unique marketing strategies to be liked by consumers, especially in the fashion industry. This research will examine the extent of the influence of customer experience and brand image on customer loyalty through customer satisfaction among Erigo consumers in Indonesia. This type of research is quantitative research with the population in this study being the entire population of Indonesia who use Erigo-branded clothing. The sample in this study is Erigo branded-clothing consumers who have purchased Erigo-branded clothing at least two times and are aged over 18 years. The sampling technique used in this study is nonprobability sampling of 234 respondents. In this study, customer experience and brand image are the independent variables. The intervening variable is customer satisfaction, which is connected to the primary independent variable towards the dependent variable, customer loyalty. The results reveal that customer experience and brand image positively impact on customer loyalty though only the former has significant impact. Besides, both customer experience and brand image have positive and significant influence on customer satisfaction while customer satisfaction is positively and significantly corelated with customer loyalty. The existance of customer satisfaction as the mediating variable even strengthen this impact. Overall, the more experience customers get from purchasing Erigo’s products and the higher brand image Erigo build, the more satisfied and loyal the customers will be.
The influence of fear of missing out (FoMO) and hedonism on online impulse buying in Generation Z Shopee users with subjective norm and attitude as mediation variables Salwa Rana Deliana; Nur Afifah; Erna Listiana; Ahmad Shalahuddin; Hasanudin Hasanudin
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.392

Abstract

Technological advances and the development of digitalization have changed marketing activities by making it easier for consumers to make purchases via e-commerce. The presence of e-commerce makes it easier for Generation Z to make purchases and ends up making online impulse buying. This research aims to determine the influence of fear of missing out (FoMO) and hedonism on online impulse buying of Generation Z consumers using Shopee, mediated by subjective norms and attitude. This research involved 205 people from various regions in Indonesia who were collected online using a purposive sampling technique with a questionnaire. Data were analyzed using Structural Equation Modeling (SEM) AMOS 22. This research shows that FoMO and hedonism positively and significantly effect online impulse buying Generation Z Shopee users. Meanwhile, subjective norms and attitudes mediate the influence of FoMO and hedonism on online impulse buying. This research can contribute to the theory of online impulse buying in consumers in the digital era and for businesses in the digital era to be a reference in knowing how consumer purchasing behavior patterns are on online shopping platforms, especially in e-commerce.
Social media, lifestyle influence, brand awareness mediate Fore Coffee purchase decisions Dwi Adnes Julians Cristianto; Erna Listiana; Nur Afifah; Juniwati Juniwati; Endah Mayasari
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.395

Abstract

This research aims to determine the influence of social media marketing and lifestyle on purchase decisions, with brand awareness as a mediating variable. The methodology used is a causal research design. 225 respondents who are Indonesian consumers of Fore Coffee were given questionnaires to complete in order to gather data. The measurement model and structural model of the research construct being constructed are evaluated and analyzed in this study using Structural Equation Modeling (SEM) analysis with the aid of the statistical tool AMOS 24. In this research, the independent variables are social media marketing and lifestyle, the dependent variable is purchase decision, with brand awareness as the mediating variable. Variables are measured using 5-point Likert scale, where respondents are asked to rate their agreement with statements related to each variable. This study shows that social media marketing, lifestyle and brand awareness significantly influence purchase decisions directly and indirectly through brand awareness.
Do brand image, product quality impact eiger bags repurchase intention? Nurhadi Nurhadi; Ramadania Ramadania; Erna Listiana; Barkah Barkah; Titik Rosnani
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.396

Abstract

The aim of this research is to delve into the dynamics of consumer behaviour and its relationship with brand image, product quality, brand trust, and repurchase intention, focusing on the Eiger brand. The study employs a causal method, collecting data through questionnaires from 227 Eiger product users in Indonesia, utilizing purposive sampling techniques. Data analysis is conducted using Structural Equation Modeling (SEM) and AMOS 24, with measurements of brand image, product quality, brand trust, and repurchase intention variables. The findings indicate that brand image and product quality have a positive and significant impact on repurchase intention, with brand trust acting as a mediator that strengthens this relationship. This research provides valuable insights into understanding the contributions of brand image, product quality, and brand trust in influencing consumer repurchase intentions. Marketing and brand development strategies are recommended to maintain the competitive edge of Eiger in the outdoor equipment market. Research limitations include restricted variables and study subjects, suggesting that future research could expand analyses to external factors and comparisons with key competitors to enhance the understanding of consumer dynamics.
TikTok social media marketing and beauty influencers' impact on skintific purchase decisions through brand awareness Florensia Alika; Erna Listiana; Nur Afifah; Juniwati Juniwati; Endah Mayasari
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.397

Abstract

The beauty industry is currently growing very rapidly, with many new products competing for consumer attention. The objective of this study was to ascertain and examine the impact of TikTok social media marketing, beauty influencers, and brand awareness as mediating variables on the form of Skintific product purchasing decisions. The research method used is quantitative research with explanatory research design. The population of this study consists of all consumers of Skintific brand products. This research uses purposive sampling. Data for this study will be collected through a questionnaire distributed through various social media platforms to people over 17 years old and Skintific products are used and purchased by TikTok social media users in Indonesia. To examine the correlation between factors, this study uses Structural Equation Modeling (SEM) with AMOS 24. The findings of this study indicate that social media marketing and beauty influencers significantly and positively impact purchasing decisions. Brand awareness positively and significantly affects purchasing decisions through social media marketing and beauty influencers.