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All Journal TECHNOBIZ : International Journal of Business
Belinda Mora Siagian
Universitas Sriwijaya
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH KESADARAN ATAS PELAYANAN, KEPRCAYAAN DIRI DAN NORMA SUBJECTIVE TERHADAP NIAT PENGGUNAAN DIGITAL BANKING : THE EFFECT OF SERVICE AWARENESS, SELF-CONFIDENCE AND SUBJECTIVE NORMS ON INTENTION TO USE DIGITAL BANKING Azmii Lathifah; Gita Rahayu; Belinda Mora Siagian
TECHNOBIZ : International Journal of Business Vol. 8 No. 2 (2025): Oktober 2025
Publisher : TECHNOBIZ : International Journal of Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/technobiz.v8i2.917

Abstract

This study aims to examine the influence of service awareness, self-efficacy, and subjective norms on the intention to use digital banking services in Indonesia. The results indicate that all three independent variables have a positive and significant effect on the intention to use digital banking. Service awareness was found to be a significantly positive initial cognitive factor that enhances intention to use digital banking. Self-efficacy also showed a significant positive effect that suggesting that individuals who feel capable of operating digital banking applications are more likely to engage in digital transactions. Likewise, subjective norms were found to have a positive influence on behavior, confirming the role of social pressure and peer support in shaping users’ adoption behavior. These findings reinforce the TPB, TAM, and UTAUT frameworks, suggesting that cognitive, psychological, and social factors interact synergistically to explain the adoption of digital banking. Practically, the results recommend that banks enhance user awareness through targeted education, design onboarding features that strengthen self-efficacy, and leverage social and community-based strategies to encourage the intention to use digital banking services in Indonesia.
ANALISIS DUPONT SYSTEM SEBAGAI ALAT EVALUASI KINERJA DAN DAYA SAING DALAM PERSPEKTIF MANAJEMEN STRATEGIK PADA PT INDOFOOD CBP SUKSES MAKMUR TBK Betharia Efriani; Yana Mustika; Belinda Mora Siagian
TECHNOBIZ : International Journal of Business Vol. 8 No. 2 (2025): Oktober 2025
Publisher : TECHNOBIZ : International Journal of Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/technobiz.v8i2.955

Abstract

Penelitian ini bertujuan untuk mengevaluasi kinerja dan daya saing PT Indofood CBP Sukses Makmur Tbk (ICBP) dalam perspektif manajemen strategik dengan menggunakan pendekatan DuPont System. Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan analisis tren (time-series) terhadap data keuangan periode 2017–2024. Analisis dilakukan dengan mendekomposisi Return on Equity (ROE) menjadi tiga komponen utama, yaitu Net Profit Margin (NPM), Total Asset Turnover (TATO), dan Equity Multiplier (EM), serta mengaitkannya dengan indikator strategik non-keuangan seperti market share, cost per unit (CPU), dan capacity utilization. Hasil penelitian menunjukkan bahwa NPM rata-rata sebesar 12% mencerminkan profitabilitas yang stabil, namun TATO rata-rata 0,49 kali dan ROA 6% menandakan efisiensi aset yang belum optimal. EM sebesar 1,8 kali menunjukkan kebijakan pendanaan yang konservatif. Kombinasi ini menghasilkan ROE rata-rata 10%, masih di bawah benchmark industri sebesar 40%. Secara strategis, hasil analisis DuPont mengindikasikan bahwa peningkatan efisiensi aset, optimalisasi biaya produksi, dan pemanfaatan kapasitas operasi merupakan prioritas utama dalam memperkuat daya saing jangka panjang. Penelitian ini menegaskan relevansi DuPont System sebagai alat diagnosis manajerial yang terintegrasi dalam kerangka Strategic DuPont Framework untuk mendukung pengambilan keputusan strategis berbasis data.
The Role of Environmental, Social, and Governance (ESG) and Strategic Efficiency in Enhancing Financial Performance: Evidence from the Food and Beverage Industry in Indonesia Belinda Mora Siagian; Silvia Tri Handayani; Ratu Aisyah Ratih Primaputri
TECHNOBIZ : International Journal of Business Vol. 9 No. 1 (2026): April 2026
Publisher : TECHNOBIZ : International Journal of Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/technobiz.v9i1.1611

Abstract

This study examines the role of Environmental, Social, and Governance (ESG) and strategic efficiency in influencing financial performance within Indonesia’s food and beverage industry. The research addresses whether sustainability practices and asset utilization contribute to profitability in the short term. Using a quantitative explanatory approach, the study analyzes 50 firm-year observations from 25 listed companies during the 2023–2024 period. Financial performance is proxied by Return on Assets (ROA), while ESG scores represent sustainability commitment and asset turnover reflects strategic efficiency. Multiple linear regression is employed to test the proposed model. The results indicate that ESG demonstrates a positive relationship with ROA at the 10% significance level, suggesting that sustainability practices begin to contribute to corporate profitability. However, asset turnover and firm size do not show significant effects on financial performance. These findings imply that the impact of sustainability on profitability tends to be gradual and requires consistent strategic integration.
Co-Authors Azmii Lathifah Betharia Efriani Gita Rahayu Ratu Aisyah Ratih Primaputri Silvia Tri Handayani Yana Mustika