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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Multidisiplin Sahombu Multifinance
Araujo, Delia Iria Magno de
Unknown Affiliation
Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

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Effect Of Green Marketing And Brand Image On Purchase Decision Of Aqua Gallon With Customer Loyalty As A Mediating Variable Araujo, Delia Iria Magno de; Ximenes, Elias; Mujanah, Siti; Halik, Abdul
Jurnal Multidisiplin Sahombu Vol. 5 No. 01 (2025): Jurnal Multidisiplin Sahombu (2025)
Publisher : Sean Institute

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This study aims to analyze the influence of brand image and green marketing on purchasing decisions for Aqua Galon products with consumer loyalty as a mediating variable. This study is an explanatory research type, sampling using nonprobability sampling techniques. Data were taken by distributing questionnaires directly to 100 respondents of consumers of AQUA gallon packaging products in Jabodetabek. Data were collected through a survey of Aqua consumers and analyzed using the Structural Equation Modeling (SEM) method. The results of the study indicate that brand image has a very significant and positive influence on purchasing decisions and consumer loyalty. Green marketing also has a significant effect on consumer loyalty, but its impact on purchasing decisions is relatively small compared to brand image. In addition, consumer loyalty does not have a significant effect on purchasing decisions and does not act as a mediating variable between brand image and purchasing decisions or between green marketing and purchasing decisions. These findings indicate that to improve purchasing decisions, companies need to focus more on improving brand image, while green marketing strategies can be used to build consumer loyalty. This conclusion provides important implications for companies in designing effective marketing strategies to strengthen brand positions in the market and increase consumer loyalty without expecting loyalty to directly drive purchasing decisions.
Analysis of the Effect of Profitability, Solvency, and Activity Ratios on Firm Value in Conventional Banks in Indonesia During the 2021–2024 Period Araujo, Delia Iria Magno de; Pandin, Maria Yovia R; Kusmaningtyas, Amiartuti
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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This study aims to analyze the effect of profitability, solvency, and activity ratios on firm value in conventional banks listed on the Indonesia Stock Exchange (IDX) during the 2021–2024 period. The financial ratios examined include Return on Assets (ROA), Return on Equity (ROE), and Debt to Equity Ratio (DER), while firm value is measured using stock prices. The research employs a quantitative approach with multiple linear regression analysis, supported by SPSS version 27. Data were collected from audited annual reports of 15 conventional banks selected through purposive sampling. The results indicate that ROA, ROE, and DER have a significant simultaneous and partial influence on stock prices. The regression model passes all classical assumption tests and demonstrates an R² value of 0.68, meaning 68% of the variation in stock prices can be explained by the three financial ratios. These findings highlight the importance of financial performance as a determinant of firm value in the banking sector.
PERCEIVED USEFULNESS WITHIN THE TECHNOLOGY ACCEPTANCE MODEL FRAMEWORK AND FINTECH ADOPTION: AN INTEGRATED REVIEW OF FINDINGS FROM DEVELOPING COUNTRIES Araujo, Delia Iria Magno De; Nabir, Abdul Muhaemin; Jainuddin; Ranawati, Tri
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 9 No 2 (2025): IJEBAR: Vol. 9 Issue 2, June 2025
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

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This study aims to analyze the role of perceived usefulness in influencing the adoption of financial technology (fintech) using the Technology Acceptance Model (TAM) framework, by integrating findings from literature reviews across various developing countries. As fintech implementation continues to expand as a tool for promoting financial inclusion, understanding the determinants of technology adoption becomes increasingly crucial, especially in countries with varying levels of technological penetration. This research adopts a systematic literature review method of scholarly articles published between 2019 and 2024 to identify patterns, trends, and contextual variables that mediate or moderate the influence of perceived usefulness on fintech adoption intentions and behaviors. The findings reveal that perceived usefulness is a primary determinant in the adoption of fintech in most developing countries. However, its influence is often mediated by external factors such as digital literacy levels, trust in the system, technological infrastructure, and national regulatory frameworks. These results offer theoretical contributions to the expansion of the TAM in cross-cultural contexts and practical implications for policymakers and fintech providers in designing more context-specific and locally responsive adoption strategies.
THE INFLUENCE OF COMPETENCE AND PROFESSIONAL ETHICS OF AUDITORS ON AUDIT QUALITY AT THE ADMINISTRATIVE AND FINANCIAL COURT (TRIBUNAL DE CONTAS TIMOR-LESTE) Guterres, Alexandre de sousa; Araujo, Delia Iria Magno de; Ximenes, Elias; Godinho , Justina Gilberta
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.216

Abstract

This study aimed to test and analyze the impact of Auditor Competence (X1) and Auditor Professional Ethics (X2) on Audit Quality (Y) at the Tribunal de Contas Timor-Leste. The research questions focused on determining the extent to which competence (X1) and professional ethics (X2) influence audit quality (Y). The population of the study consisted of all 50 staff members of the Tribunal de Contas, with data collected using a census method through questionnaires. Multiple linear regression analysis, T-tests, and SPSS version 21 were used for statistical analysis. The multiple linear regression equation obtained was Y = -2.006 + 0.536 + 0.321 + e, with a determination coefficient (R²) of 0.329, indicating that 32.9% of the variance in audit quality was explained by the two independent variables, while the remaining 67.1% was influenced by other factors not examined. The T-test results showed that Auditor Competence (X1) had a T-statistic value of 2.429, which was greater than the T-table value of 1.677, with a significance level of 0.019, meaning that it had a positive but insignificant effect on audit quality. On the other hand, Auditor Professional Ethics (X2) had a T-statistic value of 2.930, exceeding the T-table value of 1.677, with a significance level of 0.003, indicating a positive and significant effect on audit quality. Therefore, while competence was not a major determinant, professional ethics significantly contributed to audit quality at the Tribunal de Contas.
Co-Authors Abdul Halik Amiartuti Kusmaningtyas Godinho , Justina Gilberta Guterres, Alexandre de Sousa Jainuddin Nabir, Abdul Muhaemin Pandin, Maria Yovia R Ranawati, Tri Siti Mujanah Ximenes, Elias