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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Jurnal Pijar : Studi Manajemen dan Bisnis Priviet Social Sciences Journal
Akbar, Tri Sanatha Wahyu
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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MENILAI DAYA TARIK PROGRAM STUDI BAHASA JEPANG: PENGARUH KUALITAS PENDIDIKAN DAN BRAND IMAGE TERHADAP NIAT PENDAFTARAN MAHASISWA DI UNIVERSITAS WIDYATAMA Akbar, Tri Sanatha Wahyu
Jurnal Pijar Vol 3 No 2 (2025): Jurnal Pijar : Studi Manajemen dan Bisnis
Publisher : PT Naureen Digital Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65096/pmb.v3i2.1717

Abstract

This study aims to assess the quality of education in the Japanese Language Diploma Program (D3) at Universitas Widyatama, evaluate the program's brand image, and analyze the impact of both quality of education and brand image on prospective students' intention to enroll in the program. The research employs a descriptive-analytical and verificative approach. The descriptive aspect seeks to illustrate how the quality of education and brand image influence prospective students' interest in enrolling, while the verificative aspect examines the direct effect of education quality and brand image on the enrollment intentions of third-year high school (SMA/SMK) students. Data were collected through a survey with a sample of 100 respondents, comprising third-year high school/ vocational school students and alumni who had been exposed to promotional efforts by the UTama Marketing Bureau and the Japanese Language Program. The results of the F-test indicate that both education quality and brand image have a significant combined impact on prospective students' enrollment intentions for the D3 Japanese Language Program at Universitas Widyatama, with an R-Square coefficient of 0.281, or 28.1%. This means that education quality and brand image together explain 28.1% of the variability in students' intention to enroll, while the remaining 71.9% is influenced by other factors not covered in this study, such as social, economic, or personal preferences. The findings provide insight into the factors influencing prospective students' decisions to choose the D3 Japanese Language Program at Universitas Widyatama. Keywords: Brand image, Education Quality, Enrollment Intention.
Digital transformation in the financial system: A comprehensive review of the literature on fintech and financial inclusion Winarni, Riani; Akbar, Tri Sanatha Wahyu
Priviet Social Sciences Journal Vol. 5 No. 8 (2025): August 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i8.479

Abstract

The digital technology revolution has brought a fundamental paradigm shift in the global financial services ecosystem, creating a digital transformation that integrates financial technology (fintech) as a key catalyst for expanding people's access to finance. Indonesia, the country with the largest digital economy in the ASEAN region, faces challenges as well as great opportunities in the implementation of digital transformation of the financial system, where the level of financial inclusion has reached 85.1%, but digital financial literacy has only reached 48%. This study aims to conduct a comprehensive analysis of digital transformation in the financial system through a systematic literature review that covers fintech developments and their impact on financial inclusion, identifies global and national trends, evaluates the effectiveness of fintech models, and develops a conceptual framework for the development of a sustainable fintech ecosystem. This study uses a qualitative approach with the Systematic Literature Review (SLR) method on national and international journal articles for the period 2021-2025 from Google Scholar, with the inclusion criteria of reputable articles that are relevant to the digital transformation of the financial system and financial technology. The analysis shows that fintech has proven effective in increasing financial inclusion for unbankable and underbanked segments through digital lending, mobile banking, e-wallets, and Sharia fintech. Key success factors include adequate technological infrastructure, digital literacy, consumer trust, supportive regulation, and strategic collaboration. Key challenges include regulatory uncertainty, digital divides, cybersecurity, and financial system stability. Digital transformation of the financial system requires proportionate regulation, massive digital infrastructure investment, sustainable literacy programs, robust security frameworks, and multi-stakeholder collaboration to realize an inclusive and sustainable fintech ecosystem.
The impact of consignment-based marketing through middlemen on the economic sustainability of farmers in Pawenang Village, Nagrak Subdistrict, Sukabumi Regency Akbar, Tri Sanatha Wahyu; Winarni, Riani; Raspati, Galih; Yuda, Mulfi Sandi; Nurdiana, Bayu Prastiyo
Priviet Social Sciences Journal Vol. 5 No. 5 (2025): May 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i5.511

Abstract

The consignment-based marketing system through middlemen (known locally as tengkulak) has long been practiced by farmers in Nagrak District, particularly in Pawenang Village. This system offers certain advantages, such as lower costs, operational simplicity, no need for technological skills, and delegation of distribution responsibilities to middlemen. However, the dominance of middlemen in the agricultural marketing chain leads to a high level of farmer dependency. Middlemen control nearly the entire market, leaving farmers with little to no bargaining power when they sell the middlemen take 10% of the final selling price. Limited market access also prevents farmers from tracking price fluctuations, thus making them vulnerable to price manipulation. Moreover, farmers are charged with the distribution costs. This situation negatively affects farmers’ welfare, with most living under economic hardship, even though agriculture is their primary source of income. This study aims to analyze the impact of the consignment marketing system through middlemen on the economic sustainability of farmers in Pawenang Village. The findings are expected to provide insights into how this system affects farmer independence and offer alternative marketing solutions to reduce dependence on middlemen, thereby improving the competitiveness and sustainability of agricultural enterprises.
Pengaruh Money Attitudes Dan Penggunaan Excessive Social Media Terhadap Pembelian Kompulsif Daring Akbar, Tri Sanatha Wahyu; Raspati, Galih; Yuningsih, Yuyun Yuniati
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 2 (2025): Juni : Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v5i2.1548

Abstract

The rapid development of the digital world and the internet has changed the global marketing landscape from traditional to digital, with social media as the main platform. This study aims to analyze the influence of Money Attitude and Excessive Use of Social Media on Online Compulsive Buying among young people and adults in Sukabumi. This study used a quantitative method with 95 respondents aged 20-40 years, data were collected through questionnaires and analyzed using SPSS 25, including validity and reliability tests, multiple linear regression, t-test, and F-test. The results showed that Money Attitude had a significant positive effect on Online Compulsive Buying. Similarly, Excessive Use of Social Media also had a significant positive effect on Online Compulsive Buying. Simultaneously, Money Attitude and Excessive Use of Social Media significantly influenced Online Compulsive Buying. The implication of this finding is the importance of money attitude education and managing social media use to reduce compulsive buying behavior among young people and adults.
Efek GHRM dan Personal Moral Norm terhadap Employee Green Behavior di Sektor Perbankan Raspati, Galih; Muchsam, Yoki; Yuda, Mulfi Sandi; Maulana, M Afrizal; Yuningsih, Yuyun Yuniati; Akbar, Tri Sanatha Wahyu
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 2 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i2.2579

Abstract

The rapid environmental degradation currently compels governments and organizations to implement effective preventive measures. This study highlights the urgent need for the implementation of Green Human Resource Management (GHRM) practices and Personal Moral Norms in enhancing Employee Green Behavior within the banking sector. As governments adopt policies related to GHRM, Personal Moral Norms, and Employee Green Behavior, banks, as financial institutions, play a strategic role in promoting sustainability. The objective of this research is to analyze the effects of GHRM and Personal Moral Norms on Employee Green Behavior in the banking sector. A quantitative approach was employed, utilizing a descriptive and associative research design, involving 92 employees from the studied bank branch, with a sampling technique using a census method. Data analysis was conducted using validity and reliability tests, as well as multiple regression analysis with the aid of SPSS 24. The results indicate that GHRM and Personal Moral Norms significantly influence Employee Green Behavior, contributing to 97.8% of the variance in environmentally friendly behavior. These findings provide new insights into the importance of integrating Green values into human resource management and underscore the necessity for banks to adopt policies that support environmental sustainability. This research is expected to serve as a reference for banking institutions in formulating more effective strategies to enhance environmental awareness among employees.
Co-Authors Galih Raspati Maulana, M Afrizal Muchsam, Yoki Mulfi Sandi Yuda Nurdiana, Bayu Prastiyo Winarni, Riani Yuningsih, Yuyun Yuniati