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The Influence of Features and Promotions on Wondr Bni Usage With User Satisfaction as Intervening Sri Indayani; Syarida Hafni Sahir; Minda Muliana Br Sebayang
Proceeding of The International Conference on Business and Economics Vol 3 No 1 (2025): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbe-untagsmg.v3i1.2752

Abstract

This research aims to determine the effect of service features and promotions on increasing users of Wondr by BNI services with user satisfaction as an intervening variable. This type of research is quantitative. The population in this study were BNI customers of the Medan Industrial Estate Branch Office who were registered and had used the new digital service application WONDR by BNI. The total population was 16,769 customers with a sample of 391 respondents. Data was collected by questionnaire with a Likert scale, validity testing, reliability and hypothesis testing were carried out using SmartPLS ver 4.0 software. The results show that service features have a significant direct effect on user satisfaction, service features have a direct effect on increasing the number of users, promotion has a direct effect on user satisfaction, promotion has a direct effect on increasing the number of users, user satisfaction has a direct effect on increasing the number of users, service features have an indirect effect on increasing the number of users through user satisfaction as an intervening variable, promotion has an indirect effect on increasing the number of users through user satisfaction as an intervening variable. These findings indicate that user satisfaction plays an important role in strengthening the effect of service features and promotions on increasing the number of service users. Therefore, to sustainably increase the number of users, Wondr by BNI needs to optimize service features that are responsive to user needs and implement promotional strategies that can increase user satisfaction and loyalty.
THE EFFECT OF OWNERSHIP CONCENTRATION, CASH HOLDING ON COMPANY VALUE WITH DIVIDEND PAYOUT RATIO AS AN INTERVENING VARIABLE Septianar Sitorus; Thezar Fiqih Hidayat Hasibuan; Minda Muliana Br Sebayang
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 4 (2025): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i4.715

Abstract

This study aims to determine the effect of Ownership concentration (X1) and Cash holding (X2) on Company Value (Y) which is proxied by the Price earning ratio through the Dividend payout ratio (Z) as an intervening variable. The population used is all Coal sub-sector companies listed on the Indonesia Stock Exchange in 2019-2022. The sample of this study was 9 companies using purposive sampling. The data collection method is the documentation study method, literature method and research gap and is analyzed quantitatively. The data analysis method is Path Analysis with the help of Smart PLS version 3 with the PLS test method consisting of the Outer Model Analysis test, Inner Model Analysis, and Hypothesis Testing. This study concludes that (1) Ownership concentration has a significant positive effect on company value, (2) Cash holding has a significant positive effect on company value, (3) Ownership concentration does not have an effect on the dividend payout ratio, (4) Cash holding has a significant positive effect on the dividend payout ratio, (5) Dividend payout ratio has a significant effect on company value, (6) Ownership concentration does not have an effect on company value through the mediation of dividend payout ratio, (7) Cash holding has a significant positive effect on company value through the mediation of dividend payout ratio.