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All Journal Bisman (Bisnis dan Manajemen): The Journal of Business and Management JIMEK Jurnal Entitas Ekonomi dan Bisnis
Xenia Irene Sandy Landjang
Universitas Cenderawasih
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The use of E-Payment Method and Its Influences on Student’s Payment Transaction Method in Jayapura City Indra Eka Wardana Toii; Xenia Irene Sandy Landjang; Rizka Cintya Edwar; Alfani Laura Harikedua; Nur Mila Sari
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 1 (2025): Maret : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i1.5960

Abstract

The purpose of this study is to describe the perspective of students in Jayapura city using the e-payment method in every payment transaction. The method used in this study is a quantitative method. The respondents selected were students who were carrying out lecture activities in Jayapura city. The results of the study found and concluded that the e-payment method is a new breakthrough in payment transactions that affect students who carry out lecture activities in Jayapura city. With the e-payment method, students in Jayapura city can make non-cash payment transactions and can reduce the use of cash as a means of payment. The results of this study indicate that the e-payment and payment transaction variables show valid and reliable results. The coefficient of determination value of the research results shows the ability of the e-payment variable in its influence on payment transactions by 57% and the rest are variables not discussed in this study. The results of the regression equation Y = 3.491 + 0.786X show a positive direction coefficient result from e-payment on payment transactions and the hypothesis results show positive and significant results of e-payment on student payment transactions in Jayapura city, in the sense that with the existence of the e-payment payment method, students in Jayapura are much freer and much more motivated to make purchases in this case referring to payment transaction activities that are more in line with a practical lifestyle.
Pengaruh Kualitas Pelayanan dan Persepsi Harga Terhadap Loyalitas Konsumen KFC Kota Sorong Yuni Riskita Mangopo; Rizka Cintya Edwar; Xenia Irene Sandy Landjang; Lisa Gresti Sella Damanik
Jurnal Entitas Ekonomi dan Bisnis Vol. 2 No. 1 (2026): APRIL
Publisher : PT Mara Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64465/jeeb.v2i1.71

Abstract

Tujuan dari penelitian ini adalah untuk mengkaji bagaimana kualitas pelayanan dan pandangan konsumen terhadap harga dapat berkontribusi terhadap loyalitas pelanggan pada gerai KFC yang berada di Kota Sorong. Loyalitas pelanggan merupakan tujuan terpenting dalam merencanakan pemasaran strategis dan landasan fundamental untuk mengembangkan keunggulan kompetitif yang berkelanjutan. Penelitian ini menerapkan pendekatan kuantitatif dengan melibatkan 140 pelanggan KFC Kota Sorong sebagai sampel, yang diperoleh melalui pengisian kuesioner. Pengolahan data dilakukan melalui metode regresi linear berganda dengan memanfaatkan aplikasi SPSS versi 20 sebagai alat bantu analisis. Temuan penelitian ini menunjukkan bahwa kualitas pelayanan dan persepsi terhadap harga memiliki dampak yang positif dan signifikan terhadap tingkat loyalitas pelanggan, penelitian ini juga mengindikasikan bahwa pandangan mengenai harga yang positif terhadap haraga produk yang ditawarkan oleh KFC Kota Sorong semakin membaik, maka akan meningkat pula loyalitas pelanggannya. Oleh sebab itu, faktor-faktor tersebut berperan penting terhadap sikap positif dan loyalitas pelanggan terhadap merek KFC di Kota Sorong.
Analisis Solvabilitas Terhadap Kinerja Keuangan Pada Seabank Tahun 2022-2024 Xenia Irene Sandy Landjang; Yuni Riskita Mangopo; Indra Eka Wardana Toii
Bisman (Bisnis dan Manajemen): The Journal of Business and Management Vol. 8 No. 3 (2025): November 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Islam Majapahit, Jawa Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/bisman.v8i3.4406

Abstract

This study aims to analyze the financial performance of Seabank Indonesia, the leading digital bank in Indonesia (Databooks, 2025), through solvency ratios, namely Capital Adequacy Ratio (CAR), Debt to Assets Ratio (DAR), and Debt to Equity Ratio (DER) during the period of 2022-2024. Secondary data from financial reports were processed using a quantitative descriptive approach, supported by trend analysis and comparative analysis to assess Seabank’s financial performance. The results indicate a declining trend in CAR from 39.67% to 30.80%, indicating a reduced ability to bear risks. Meanwhile, DAR and DER significantly increased in 2024, reflecting a high reliance on debt financing and an unbalanced capital structure. This condition raises financial risk and demands strategies for capital strengthening and stricter debt control. The study recommends that Seabank evaluate capital strategies, control debt growth, strengthen equity, and implement effective risk management to maintain long-term financial stability.
Co-Authors Alfani Laura Harikedua Indra Eka Wardana Toii Lisa Gresti Sella Damanik Nur Mila Sari Rizka Cintya Edwar Toii, Indra Eka Wardana Yuni Riskita Mangopo