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All Journal International Journal of Economics Development Research (IJEDR)
Riswandi, Nairufar Rahmatika
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Economics, Econometrics & Finance Social Sciences

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Contribution of Assurance and Responsiveness to Purchase Decisions: The Significance of Relationship Quality as an Intervening Variable Riswandi, Nairufar Rahmatika; Firdaus, Firdaus; Nurhayati, Nurhayati; Syafaq, Shandya Aissy
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 5 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i4.6311

Abstract

This study examines the impact of assurance and responsiveness on the purchasing decisions of Tokopedia consumers in Semarang, with relationship quality as a mediating variable. In the context of increasingly fierce e-commerce competition, it is important to understand the factors that influence purchasing decisions in order to enhance the customer experience. This type of research is explanatory with a quantitative approach, involving 100 Tokopedia users as respondents. Data was collected through questionnaires and analyzed using SmartPLS 4. The findings show that assurance has a positive and significant impact on purchasing decisions, while responsiveness provides smaller benefits. The quality of relationships has proven to be a significant mediator, strengthening the influence of certainty and responsiveness in the decision-making process. The results of this study emphasize the importance of building trustful relationships with customers to improve service quality and reduce complaints on the Tokopedia platform, which can ultimately enhance customer loyalty. This research provides insights for e-commerce practitioners on strategies to enhance customer relationships through assurance and responsiveness.
Financial Performance and Stock Prices of Top-Asset Conventional Banks Listed on the IDX (2019–2023) Adyatma, Hardiyan; Nurhayati, Nurhayati; Purwanto, Dedik; Riswandi, Nairufar Rahmatika
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 3 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i3.7582

Abstract

This study aims to analyze the effects of Net Interest Margin (NIM), Return on Assets (ROA), and Return on Equity (ROE) on the stock prices of conventional banks with the largest assets listed on the Indonesia Stock Exchange (IDX) during the 2019–2023 period. A total of 18 banks were purposively selected based on their market dominance and the availability of complete data. The research employed a quantitative approach using an explanatory method. A total of 90 annual observations were collected from financial statements published on the official IDX website. Data analysis was performed using SmartPLS software with the Partial Least Squares (PLS) method. The results show that ROA and ROE have a positive but statistically insignificant effect on stock prices—an interesting finding given the traditional importance of these ratios in evaluating financial performance. In contrast, NIM has a positive and statistically significant effect on stock prices, indicating that investors place greater emphasis on how efficiently banks generate net interest income. Together, the three variables account for approximately 41% of the variation in stock prices. These findings provide practical insights for investors and bank managers, highlighting the need to prioritize operational efficiency, which appears to have a greater influence on market perception than conventional profitability measures during the observed period.
Co-Authors Adyatma, Hardiyan Firdaus Firdaus Nurhayati Nurhayati Purwanto, Dedik Syafaq, Shandya Aissy