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Journal : Economic Reviews Journal

Pengaruh Kualitas E-Layanan Mobile Banking terhadap Kepuasan Nasabah dalam Menciptakan Loyalitas dan Word of Mouth William Kennedy; Patrick Kevin Aritonang
Economic Reviews Journal Vol. 4 No. 4 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i4.887

Abstract

The digital era has brought significant changes in the banking sector, driven by advances in information technology and widespread internet penetration. These technological advances also pose competitive challenges that require banks to continuously innovate and improve service quality. One such innovation is mobile banking. The implementation of digital technology such as mobile banking is crucial for banks to maintain business sustainability, maintain relevance, and increase customer satisfaction and loyalty in this digital era. The purpose of this study is to analyze the effect of mobile banking e-service quality on customer satisfaction and the impact of customer satisfaction on loyalty and word of mouth (WOM). This study uses a quantitative approach with a survey method by distributing questionnaires to 148 mobile banking users aged 17-44 years and having used mobile banking for at least 3 months in the Jakarta area. This study uses a Structural Equation Model (SEM) data analysis method based on Partial Least Squares (PLS). The results show that the quality of mobile banking e-services consisting of reliability, privacy/security, web design, and customer service has a significant effect on customer satisfaction. Meanwhile, customer satisfaction in using mobile banking e-services has a significant effect on loyalty and WOM. These findings indicate that good quality mobile banking e-services can increase customer satisfaction and have an impact on creating loyalty and positive WOM.
The Influence of Liquidity Ratio (CR), Solvency Ratio (DAR), Activity Ratio (ITO), Board Gender Diversity (BGD), and Independent Commissioner Composition (KI) on Profitability (NPM) of Non-Financial Companies on the Kompas 100 Index Soliatun; Kevin Aritonang, Patrick
Economic Reviews Journal Vol. 5 No. 1 (2026): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v5i1.1077

Abstract

This study aims to analyze the effect of Liquidity (Current Ratio/CR), Solvency (Debt to Asset Ratio/DAR), Activity (Inventory Turnover/ITO), Board Gender Diversity (BGD), and Independent Commissioner Composition (KI) on Profitability (Net Profit Margin/NPM) in non-financial companies listed on the Kompas100 Index in 2024, with an observation period of 2021-2024. In an era of economic uncertainty and increasingly fierce business competition, optimizing company value is crucial, where profitability is a key indicator of financial performance that reflects operational efficiency and investment attractiveness. This study adopts a quantitative approach using secondary data from the annual financial reports of non-financial companies in the Kompas100 Index for the 2021-2024 period obtained from the Indonesia Stock Exchange (IDX). Research observations were selected using a purposive sampling technique based on certain criteria adjusted to the variables being tested, including companies that publish complete financial reports and have female board directors and independent commissioners. This study uses unbalanced panel data with an observation period of 2021–2024. The analytical method used is panel data regression with the Pooled Least Squares (OLS) approach in the Eviews application. The results of this study are expected to provide empirical understanding of the influence of financial ratios (CR, DAR, ITO) and corporate governance aspects (BGD, and KI Composition) on profitability (NPM). Specifically, this study will examine whether CR, ITO, and BGD have a positive effect, while DAR and KI have a negative effect on NPM.