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Wati, Lela Nurlaela
Universitas Teknologi Muhammadiyah Jakarta, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Neuroscience Social Sciences Transportation Other

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Membangun Loyalitas Nasabah di Era Digital: Peran Strategi Pemasaran Digital dan Kualitas Layanan Terhadap Kepercayaan Nasabah BNI Kantor Cabang Usu Medan Harros Marson Simanjuntak; Ginta Ginting; Lela Nurlaela
Journal of Accounting and Finance Management Vol. 6 No. 5 (2025): Journal of Accounting and Finance Management (November - December 2025)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i5.2818

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh strategi pemasaran digital dan kualitas layanan terhadap loyalitas nasabah dengan kepercayaan sebagai variabel intervening pada BNI Kantor Cabang USU Medan. Latar belakang penelitian ini didasari oleh pentingnya membangun loyalitas nasabah di tengah persaingan perbankan digital yang semakin ketat dan dinamis. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik analisis SmartPLS berbasis Partial Least Square (PLS). Jumlah responden dalam penelitian ini sebanyak 240 nasabah yang diperoleh melalui metode purposive sampling. Hasil penelitian menunjukkan bahwa Kepercayaan (Y) berpengaruh positif terhadap Loyalitas Nasabah (Z), dengan nilai koefisien jalur (kolom Original Sample) 0.476, dan nilai P-Values = 0.00. Kualitas Layanan (X2) berpengaruh positif terhadap kepercayaan (Y), dengan nilai koefisien jalur (kolom Original Sample) 0.475, dan nilai P-Values = 0.00. Kualitas Layanan (X2) berpengaruh positif terhadap loyalitas nasabah (Z), dengan nilai koefisien jalur (kolom Original Sample) 0.397, dan nilai P-Values = 0.00. Strategi pemasaran (X1) berpengaruh positif terhadap kepercayaan (Y), dengan nilai koefisien jalur (kolom Original Sample) 0.407, dan signifikan dengan nilai P-Values = 0.00. Strategi pemasaran (X1) berpengaruh positif terhadap loyalitas nasabah (Z), dengan nilai koefisien jalur (kolom Original Sample) 0.525, dan nilai P-Values = 0.00. Kepercayaan (Y) signifikan memediasi hubungan antara kualitas layanan (X2) melalui loyalitas nasabah dengan nilai koefisien jalur (kolom original Sampel) 0.226, dan signifikan dengan nilai p-Values= 0.001. Kepercayaan (Y) signifikan memediasi hubungan antara strategi pemasaran (X1) melalui loyalitas nasabah dengan nilai koefisien jalur (kolom original Sampel) 0.194, dan signifikan dengan nilai p-Values= 0.004.
Financial Distress Analysis: Cigarette Companies on Idx, Pandemic & Excise Tax Impact (2019-2023) Ifan Muhamad Lutfan; Lela Nurlela Wati; Agus Zainul Arifin
Journal of Management Economic and Financial Vol. 3 No. 4 (2025): Special Issue
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jmef.v3i4.154

Abstract

The policy of increasing tobacco excise taxes, implemented gradually in recent years, has created challenges for companies. Since 2019, various challenges have emerged, especially due to the COVID-19 pandemic that affected the whole world and the government's policy of increasing tobacco excise taxes. This study aims to analyze the condition of financial distress in cigarette companies listed on the Indonesia Stock Exchange during the period 2019 to 2023, as well as identify the influence of external factors in the form of an increase in excise rates and the COVID-19 pandemic on the level of distress risk. This research method is quantitative with a descriptive and associative approach. The research sample consisted of four cigarette companies, namely PT HM Sampoerna Tbk (HMSP), PT Gudang Garam Tbk (GGRM), PT Wismilak Inti Makmur Tbk (WIIM), and PT Bentoel Internasional Investama Tbk (RMBA). The results showed that HMSP and WIIM were consistently in a healthy financial condition according to all three models, while GGRM was volatile but relatively stable. In contrast, RMBA shows a score that indicates a distressed condition almost every year. The study concludes that external factors have a significant contribution to the risk of bankruptcy of cigarette companies. Predictive models can be used as an early detection tool against declining corporate financial health.
FACTORS DETERMINING THE DECISION TO USE SHARIA FINANCIAL PRODUCTS IN THE DIGITAL ERA Febriyanthi, Hesty; Wati, Lela Nurlaela; Soma, Abdul Mukti
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 10 No. 3 (2026): Volume 10, Nomor 3, June 2026
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v10i3.54795

Abstract

This study examines the impact of Islamic financial literacy, sharia compliance, returns, customer risk profiles, digitalization and social factors, and religiosity on the decision to use Islamic financial products in Islamic banking. This study employed a quantitative methodology, including a sample of 302 productive-age respondents with bank accounts in DKI Jakarta. Data analysis was conducted using multiple regression with SmartPLS. The results show that Islamic financial literacy, customer risk profiles, digitalization and social factors, and religiosity have a positive influence on the decision to use Islamic financial products. Conversely, sharia compliance and returns do not have a significant effect. These findings theoretically enhance the literature on consumer behavior and Islamic finance by illustrating that value-based elements, especially religiosity, exert a more significant influence than economic concerns in the decision to utilize Islamic financial products. The research findings suggest that Islamic banking, regulators, educational institutions, and religious organizations should collaborate to enhance Islamic financial literacy programs, expedite the transition to digital services, and formulate marketing strategies that highlight Islamic values and religiosity to promote the adoption of Islamic financial products. This study develops a model that includes financial, behavioral, technological, and religiosity characteristics to elucidate the decision to utilize Islamic financial products, contrasting with previous research that predominantly emphasized economic considerations. This study illustrates that religiosity exerts a more significant impact than financial returns and views of Islamic compliance, offering a novel viewpoint on value-driven decision-making within the Islamic banking sector.
Beyond Exposure: Advertising and Celebrity Endorsers Influence Brand Awareness and Purchase Decisions Maharini Rahsilaputeri; Lela Nurlaela Wati; Momon Momon; Zulfa Tazkia Anbiya
Agregat: Jurnal Ekonomi dan Bisnis Vol. 10 No. 1 (2026)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol10.i1/23294

Abstract

This study analyzes the influence of advertising and celebrity endorsers on purchasing decisions through brand awareness. Using a quantitative approach with 260 respondents and SEM-PLS for data analysis. The results show that advertising increases consumer awareness of the brand and encourages them to purchase Marina hand & body lotion. Celebrity endorsers have a positive effect on brand awareness but do not directly influence purchasing decisions. However, brand awareness mediates the influence of celebrity endorsers on purchasing decisions. Celebrity endorsers do not have a direct impact on purchasing decisions, but have a positive impact through brand awareness. These findings support the AIDA model, source credibility theory, and the importance of brand awareness in promotions. Companies should create advertisements that attract attention, spark interest, foster desire, and drive action, emphasizing brand identity for easy recognition. Advertising evaluations should focus on boosting brand awareness, not just sales. When using celebrity endorsers, companies should choose trustworthy, expert, and attractive figures who reinforce brand memory. The novelty of this research lies in positioning brand awareness as the main mediator between advertisements and celebrity endorsers on purchasing decisions within the hand & body lotion context with second order confirmatory approach
How Significant Are Training and Certification in Shaping Indonesian Migrant Workers’ Long-Term Careers? Yunus Riansyah; Lela Nurlaela Wati; Rita Yuni Mulyanti
Inclusive Society and Sustainability Studies Vol. 5 No. 2 (2025): December Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/issues.v5i2.3128

Abstract

This study investigates the effectiveness of competency certification in supporting the career continuity of Indonesian Migrant Workers (IMWs) in host countries. Mandated by Law No. 18 of 2017, competency certification is a prerequisite for placement, on the assumption that it ensures the quality and competitiveness of Indonesian labor. However, many IMWs continue to experience repatriation due to perceived incompetence. This research employed a qualitative case study approach through in-depth interviews with eight informants, three informal-sector IMWs in Taiwan, and five officials from BP3MI/KP2MI across various regions, supplemented by a focus group discussion with two policy experts. Thematic analysis using NVivo 12 identified five key themes: (1) challenges of varying standards, costs, and limited access; (2) the need for international recognition; (3) the role of government and private actors in monitoring and support; (4) certification as a driver of competitiveness and employment opportunities; and (5) certification as a legal safeguard and instrument of quality standardization. The findings show that certification positively influences IMWs’ entry into the international labor market and enhances their confidence. However, its long-term impact remains limited due to the absence of global recognition, misalignment between training curricula and workplace demands, and weak post-placement support. These results align with the Theory of Attitude and Behavior and the Theory of Planned Behavior, indicating that training fosters positive attitudes and social norms, yet sustained professional behavior is hindered by low perceived behavioral control caused by structural barriers. The study recommends harmonizing certification standards with destination countries, improving the relevance of training curricula, and strengthening institutional support after placement. Ultimately, competency certification must be complemented by continuous learning systems to effectively enhance IMWs’ quality and career sustainability.
The Effect of ESG Disclosure, Green Investment, and Board Gender Diversity on Corporate Reputation Razaq, Muhammad; Wati, Lela Nurlaela
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/7wtfqq19

Abstract

This study investigates how ESG disclosure, green investment, and board gender diversity influence corporate reputation within Indonesia's manufacturing industry. The research draws on secondary data sourced from the annual and sustainability reports of companies listed on the Indonesia Stock Exchange between 2018 and 2024. A sample of 68 companies yielding 476 total observations was analyzed using binary logistic regression with the Maximum Likelihood approach, processed through EViews 12.The findings reveal that ESG disclosure and board gender diversity both positively and significantly affect corporate reputation, indicating that greater ESG transparency and a more gender-inclusive boardroom improve how stakeholders perceive a company. Green Investment, however, showed no significant impact on reputation — a result that may stem from insufficient disclosure, delayed outcomes, and inconsistent practices among companies. The study concludes that to build a stronger corporate reputation, companies should prioritize improving the quality of their ESG disclosure and adopt more inclusive governance structures.    
The Role of Capital Expenditure Allocation in Mediating Regional Financial Performance on Regional Economic Growth Aceh Province Fajrialshah Amarul Haq; Lela Nurlaela Wati; Meita Istianda
Journal of Social Entrepreneurship Theory and Practice Vol. 2 No. 1 (2023): July
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/jsetp.v2i1.1593

Abstract

This study aims to examine the role of capital expenditure in mediating the relationship between regional financial performance and economic growth in Aceh Province. The data source for this research uses secondary data sources from the Ministry of Finance and the Central Bureau of Statistics. Respondents in this study were local governments in Aceh with a total of 24 provincial, district, and city governments for 12 years from 2011-2022 period. The results of the analysis show that regional financial performance, as represented by the independence ratio, effectiveness ratio, efficiency ratio, harmony ratio, and personnel expenditure ratio, simultaneously has a positive and significant effect on capital expenditure. Meanwhile, the direct effect of capital expenditure allocation and regional financial performance is represented by the independence ratio, effectiveness ratio, efficiency ratio, harmony ratio, and personnel expenditure ratio, which simultaneously have a positive and significant effect on economic growth. This study found that the mediation of capital expenditure allocation on regional financial performance in Aceh province does not affect economic growth. Capital expenditure which is expected to be able to bridge regional financial performance indicators on economic growth, has not yet affected Aceh province.
PERAN BRAND IMAGE DALAM MEMEDIASI LIVE STREAMING DAN BUNDLING TERHADAP IMPULSIVE BUYING DI TIKTOK SHOP Nanda Devira Fitriyanthi; Bono Prambudi; Lela Nurlaela Wati
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 2 (2026): Edisi Mei - Agustus 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i2.7674

Abstract

Penelitian ini bertujuan mengkaji peran brand image dalam memediasi pengaruh live streaming dan product bundling terhadap impulsive buying pada kosmetik lokal di TikTok Shop. Metode penelitian ini menggunakan metode kuantitatif dengan pendekatan kausalitas dengan survey melaui kuesioner. Populasi penelitian ini adalah konsumen yang pernah membeli dan menggunakan produk kosmetik lokal melalui TikTok Shop. Teknik sampling yang diterapkan adalah purposive sampling dengan jumlah responden sebanyak 248 orang terdiri dari 230 Wanita dan 18 Pria. Instrumen penelitian berupa kuesioer dengan skala likert 1-6, yang di uji validitas dan reliabilitas. Analisis dilakukan menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan live streaming dan product bundling berpengaruh signifikan terhadap brand image. Live streaming berpengaruh signifikan terhadap impulsive buying. Namun demikian product bundling dan brand image tidak berpengaruh secara langsung terhadap impulsive buying. Temuan ini juga mengungkapkan bahwa live streaming dan product bundling tidak berpengaruh terhadap impulsive buying melalui brand image. Penelitian ini hanya diambil dari wilayah DKI Jakarta dengan jumlah 248 responden, sehingga hasil penelitian belum dapat digeneralisasikan untuk populasi yang lebih luas di Indonesia atau wilayah. Temuan ini memberikan rekomendasi praktis bagi pelaku e-commerce di Indonesia untuk memaksimalkan live streaming dan product bundling sebagai strategi langsung dalam mendorong impulsive buying, tanpa bergantung pada brand image sebagai mediator. Pemasar disarankan fokus pada interaksi real-time dan penawaran bundling menarik untuk meningkatkan penjualan impulsif secara efektif.
DETERMINATION OF MARKETING WORKFORCE PRODUCTIVITY THROUGH WORK ENGAGEMENT Rosidin, Beni Hermawan; Wati, Lela Nurlela; Lutfi, Mohamad
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 10 No. 4 (2026): Volume 10, Nomor 4, August 2026
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v10i4.57514

Abstract

Marketing workforce productivity has become an important organizational concern, particularly in increasingly competitive and digitally driven markets. This study aims to examine the effects of motivation, organizational climate, transformational leadership, and digital competence on the productivity of the marketing workforce, with work engagement as a mediating variable. A quantitative explanatory study was conducted among 223 marketing personnel of PT MKSA using a cross-sectional approach and proportionate stratified random sampling. Data were collected through a structured questionnaire using a five-point Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The findings indicate that transformational leadership and digital competence positively influence work engagement, while motivation and organizational climate do not have significant effects. Regarding marketing workforce productivity, organizational climate and digital competence have significant positive effects, whereas motivation, transformational leadership, and work engagement do not. Furthermore, work engagement does not significantly mediate the relationships among motivation, organizational climate, transformational leadership, digital competence, and marketing workforce productivity. These findings indicate that factors contributing to employees' psychological engagement do not necessarily translate into measurable productivity outcomes. The study contributes to the Job Demands–Resources perspective by demonstrating that organizational and personal resources may operate differently across psychological and productivity outcomes. In practice, organizations should strengthen organizational climate and digital competence while integrating leadership development, digital capabilities, sales competencies, customer relationship management, and supportive work systems to improve the marketing workforce's productivity.
BEYOND ICT INFRASTRUCTURE: DIGITAL ADAPTATION AND THE SELECTIVE ROLE OF TRANSFORMATIONAL LEADERSHIP IN TEACHER PROFESSIONALISM Farhan, Farhan; Mulyanti, Rita Yuni; Wati, Lela Nurlaela; Lutfi, Mohamad
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 10 No. 4 (2026): Volume 10, Nomor 4, August 2026
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v10i4.58315

Abstract

This study examines how ICT infrastructure, digital adaptation, digital pedagogical competence, and transformational leadership contribute to junior high school teachers’ professionalism, with particular attention to the selective moderating role of transformational leadership. A sequential explanatory mixed-methods design was employed. Quantitative data were obtained from 342 teachers, of which 301 screened responses were analyzed using partial least squares structural equation modeling (PLS-SEM). The qualitative phase involved eight structured interviews with teachers and school leaders, which were analyzed thematically to explain significant, nonsignificant, and directionally unexpected statistical relationships. The model explained 62.9% of the variance in teacher professionalism. Digital adaptation (β = 0.304, p < 0.001) and transformational leadership (β = 0.328, p < 0.001) had significant positive effects, whereas ICT infrastructure and digital pedagogical competence were not significant predictors. Transformational leadership strengthened the relationship between digital adaptation and professionalism (β = 0.197, p = 0.005), attenuated the relationship between ICT infrastructure and professionalism (β = −0.202, p = 0.006), and did not significantly moderate the relationship between digital pedagogical competence and professionalism. The study’s novelty lies in proposing a selective adaptive-leadership mechanism that demonstrates how leadership can activate teachers’ adaptive capacity, reduce reliance on resource differences, or leave competence-based pathways unchanged, rather than uniformly strengthening all digital antecedents. Practically, the findings support continuous adaptive learning, instructional mentoring, collaborative professional development, and leadership-supported implementation routines. The findings are limited by the cross-sectional self-reported design, incomplete discriminant validity, small interaction effects, a limited number of qualitative participants, and a single urban educational context.
Co-Authors Abdrazakova, Ainur Abdul Malik Zulkarnain Abdul Mukti Soma Abdul Mukti Soma Ade Irma Rismala Agus Zainul Arifin Ahmad Maulana Alexander Bagaswara Ali Fahmi AM Soma Amalia Kusuma Wardini Amalia Kusuma Wardini Amalia Kusuma Wardini Andri Armaenah Andy Dharmalau Arifin, Agus Zainul Arlis Dewi Kuraesin Ayu, Shilfa Bambang Rahardjo Bono Prambudi Bono Prambudi Bono Prambudi Budi Andru Citra Alifia Yulianti Darda, Ahmad Darwis, Hidayat Dayani Okvi Yanto Dharmalau, Andy Dinti Gircela Dwiyana Kartikasari Eko Kusnadi Etty Puji Lestari Evi Adriani Faizul Mubarok Fajrialshah Amarul Haq Farhan Farhan Fariz Saputra, Adi Febrina, Ilza Febriyanthi, Hesty Finna Kurniasih Fitri Selvia Galang Raindo Syahdam Gezer Sowandito Ghofir, Ade Ginta Ginting Gunawan Triwiyono Harri Yuni Rachman Harros Marson Simanjuntak Harry Pambudi Harry Pranajaya Hartono, Muchamat Heike Hakim Hendrian Hendrian, Hendrian Hidayat, Novan Wahyu Ibnu Aditya Karana Ibrahim, Luckman Ifan Muhamad Lutfan Ilhamsyah Ilhamsyah Imam Santoso Intan Wahyuningtias Ira Geraldin Ira Geraldina Ira Geraldina Isprihayadi, Heri Ispriyahadi, Heri Iswari, Andina Iwan Sukmana Kartikasari, Dwiyana Kaylanisa, Sarah Khoirun Nisa Kiagus Muhammad Amin Koesmawan Koesmawan Krisnandono, Diananto Kun Hartawan Adi Satria Kurnia Tri Jayanti Laras Putri Maidina Latif Sholichin Lisa Nurlitasari Lutfan, Ifan Muhamad Lutfi, Mohamad M. Lutfi Maftuchach, Viniyati Maharini - Rahsilaputeri Maharini Rahsilaputeri Mailani, Indah Marlianingrum, Peggy Ratna Martino Wibowo Maudy Rosalina Mega Maharani Meita Istianda Miharto, Elititus Mislia Ambar Sari Mita Apriliasari Moch. Rizal Mohamad Lutfi Momon Momon Momon, Momon Muchamat Hartono Muhammad Arjuna Satriawan Muhammad Syafi'i Mukti Soma Mulyanti, Rita Yuni Nanda Devira Fitriyanthi Nanda Fatimah Azzahra Ngurah Budiartha Wicaksana Nilla Apsary Nong Tatu Parida Norhamida, Hana Novan Wahyu Hidayat Nur Habib Nurul Hudaeini Nurwaidah Octavia Handayani Oki Sudrajat Oktavia Oktavia Pandaya Pandaya Parida, Nong Tatu Patrixia Gliezel Torres Peggy Ratna Marlianingrum Prabawa Eka Soesanta Prambudi, Bono Priyono Joko Alam Priyono Joko Alam Pudi Setiyawan Pusfitalisya Pusfitalisya Ramdany Ramdany, Ramdany Ramilan Ramilan Razaq, Muhammad Reresimi, Meissa Riadi, Refren Riansyah, Yunus Rini Yayuk Priyanti Rini Yayuk Priyati Rizaldy, Mochamad Asmi Rosidin, Beni Hermawan Ruseno, Ndaru Sahraman Hadji Latif Satriawan, Muhammad Arjuna Seprila Putri Firadani Siti Nuraeni Pristiawati Siti Zulaeha Soma, A. Mukti Soma, AM Soma, Mukti Sri Rahayu Suhana Suhana Suhana Suhana Suprapta, Imam Supriatiningsih, Supriatiningsih Supriatininingsih, Supriatiningsih Suryaningsih, Maria Susi Susilawati SUSILAWATI, SUSI Syafardi, Heri Syariffuddin Achmad Tati Rajati Tazqia Amalia Tiena Suhartini Topan Persada Wardini, Amalia Kusuma Wenty Febrianti Wilfried Agusman Yatita Ratu Amanda Yuli, Rama Yunus Riansyah Zaenudin Zaenudin Zulfa Tazkia Anbiya Zulham Efendi