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p-Index From 2021 - 2026
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All Journal Journal of Business and Management Inaba Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Muhammad Ricky Syahputra Hendri
Universitas Trilogi
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Factors Influencing the Decision to Choose a Private University in Jakarta Muhammad Ricky Syahputra Hendri
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 2 (2026): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i2.3830

Abstract

This research aims to analyze the influence of tuition fees, reference groups, facilities, and brand image on the decision to choose a private university in Jakarta. Using a quantitative approach, an online survey was conducted with 100 first-semester students at a private university in Jakarta. The data were analyzed using Structural Equation Modeling (SEM) with a Partial Least Squares (PLS) approach. The results indicate that tuition fees and brand image have a positive and significant influence on the decision to choose a private university. Conversely, reference groups and facilities were not proven to have a direct significant influence. However, brand image was found to have a full mediating role between reference groups and the decision to choose, and a partial mediating role between tuition fees and the decision to choose. This study concludes that prospective students in Jakarta prioritize financial factors and brand reputation over social recommendations and physical facilities when selecting a university.
Analysis of Factors Influencing Generation X's Interest In Using Digital Banks (A Case Study on Seabank Digital Bank) Muhammad Ricky Syahputra Hendri
Journal of Business and Management Inaba Vol. 5 No. 2 (2026): Volume 5 Number 2, August 2026
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/pgs0bg91

Abstract

The swift evolution of information technology has accelerated the banking industry's transition into the Fourth Industrial Revolution, necessitating extensive digital adaptations and the rise of digital banking platforms. While most marketing research on digital banking predominantly focuses on younger demographics (Millennials and Generation Z), this research fills a critical empirical gap by targeting Generation X (ages 45–60) in Jakarta. This segment possesses stable purchasing power but exhibits a cautious tendency in adopting new technology. Utilizing SeaBank as the primary case study, this research employs a retrospective approach to evaluate the initial determinants that drove the existing Generation X users to adopt the platform. Employing a quantitative methodology with purposive sampling, data was gathered from 100 existing SeaBank consumers belonging to Generation X. The analysis, executed via Structural Equation Modeling-Partial Least Squares (SEM-PLS), reveals that Security and Ease of Use exert a positive and significant impact on both Trust and Consumer Interest. Conversely, Promotion has a positive but non-significant effect. Furthermore, Trust acts as a partial mediator between Security and Interest, as well as between Ease of Use and Interest, but fails to mediate the relationship between Promotion and Interest. These findings provide practical insights for digital banks to prioritize cybersecurity infrastructure and intuitive application interfaces rather than short-term marketing incentives to successfully trigger trust and interest among Generation X.
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