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Journal The Winners
Published by Universitas Bina Nusantara
ISSN : 1412121     EISSN : 25412388     DOI : -
Core Subject : Social,
Social Sciences
Arjuna Subject : -
Articles 672 Documents
 32   33   34   35   36 
The Effect of Perceived Usefulness and Perceived Easiness towards Behavioral Intention to Use Fintech by Indonesian MSMEs Astri Wening Perwitasari
The Winners Vol. 23 No. 1 (2022): The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v23i1.7078

Abstract

The research aimed to test how are Micro Small Medium Enterprise (MSMEs) acceptance towards financial technology  fintech). The number of MSME that using fintech is still need to be maximized. MSMEs were chosen as research object due to their numerous contribution in gross domestic product (GDP). Therefore, it was considered important to understand MSME’s notion to use fintech in their business operation, which is wellknown that financial technology could give a lot of services which may improve MSMEs performance. The research adopted the technology acceptance model (TAM) theory to determine the effect of the variable perceived of usefulness and perceived ease of use on behavioral intention to use fintech services by MSME entrepreneurs. Technology acceptance model had been the most widely  applied model to measure and analyze a technology's use and acceptance. The descriptive quantitative research was applied. The analysis using multiple linear regression tests on 60 respondents. Respondents were managers of MSMEs who use financial technology services in their business operations in any form. Classical assumption testing was carried out to meet the requirements of multiple linear regression analysis. The data met the criteria for multiple linear regression. The results reveal that perceived of usefulness and perceived ease of use variables simultaneously affect the behavioral intention to use financial technology services. Partially, perceived of usefulness affects behavioral intention to use, as well as the perceived ease of use affects behavioral intention to use financial technology services. 
The Role of Digital Loyalty Program towards Customer Loyalty through a Measure of Satisfaction Roymon Panjaitan
The Winners Vol. 22 No. 2 (2021): The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v22i2.7082

Abstract

The research aimed to explore the importance of loyalty programs to customer satisfaction and loyalty in digital business in Indonesia. The concept of theoretical development of the resource-advantage theory of competition and service-dominant logic was used for the development of research findings. Lazada, one of the e-commerce platforms, offered digital loyalty programs such as points store, loyalty store, e-coupon, e-newsletter, and flash sale. Thus data collection was distributed through an online questionnaire to Lazada customers, with a sample size of 384 respondents. Data testing with linear regression analysis was conducted to test the variables of the Lazada digital loyalty program on customer loyalty mediated customer satisfaction. The results shows that in digital loyalty program variables, the program features contribute positively directly and have the success of mediated customer satisfaction in the digital loyalty program. More products that offer customer-oriented technology feature innovation will increase customer loyalty amidst dynamic marketing capabilities in digital business innovation change, which gives impact to managers.
Improving Employee Engagement of Muhammadiyah Teachers with Organizational Trust, Distributive Justice, and Psychological Empowerment Cut Rifatmi Fadhilaini; Heru Kurnianto Tjahjono; Susanto Susanto
The Winners Vol. 22 No. 2 (2021): The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v22i2.7085

Abstract

The research aimed to look at the factors that significantly influence the teacher’s engagement, especially the factors of organizational trust and distributive justice. In addition, the research was to see the moderating effect of psychological empowerment in the influence of organizational trust on employee involvement and between distributive justice on employee engagement using the hierarchical regression analysis method. The research implemented simple random sampling technique and obtained 150 respondents, who were teachers at Muhammadiyah schools spread across five schools in Kotagede District, Yogyakarta, Indonesia. The results show that organizational trust has a significant effect on employee engagement, while distributive justice does not significantly affect employee engagement. In addition to these factors, psychological empowerment is shown to have a quasi-moderating effect in the effect of organizational trust on employee engagement. Since the analysis is limited to only five Muhammadiyah schools in Kotagede, Yogyakarta, the results cannot generalized. In addition, the COVID-19 pandemic only makes the questionnaires possible via online. Since younger teachers start to dominate, future research is suggested to have a further analysis on different generations (X, Y, and Z).
Factors Affecting Online Donation Intention in Donation-based Crowdfunding Irantha Hendrika Kenang; Gladys Gosal
The Winners Vol. 22 No. 2 (2021): The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v22i2.7101

Abstract

The research aimed to determine factors affecting online donation intention of Generation Y, particularly in donation-based crowdfunding in Indonesia. Applying a quantitative method, the research used a combination of Theory of Planned Behavior (Attitude, Subjective Norms, Perceived Behavioral Control), Social Presence Theory, and S-O-R Theory (Website Quality, Transaction Convenience, Perceived Credibility). The research used purposive sampling with total of 118  respondents. The result of the analysis suggests that millennials’ intention to donate is significantly affected by the  perceived credibility of the crowdfunding platform. This is mainly due to online transaction, hence the donors are concerned about whether their donation is going to be distributed properly. Subsequently, the perceived credibility of crowdfunding platform is significantly affected by social presence, website quality, and transaction convenience, which support previous research related to Social Presence Theory and S-O-R Theory. Meanwhile, attitude, subjective norms, and perceived behavioral control have no significant impact on intention to donate, which may be due to several issues such as trust and security issues considering the donation is conducted through online. The crowdfunding platforms and fundraisers in Indonesia are expected to have guidelines about important aspects that may affect individual’s intention to donate in crowdfunding platform.
The Outbreak of COVID-19 and Islamic Stock Market Responses in Indonesia Rianda Rizky Permata; Budi Purwanto; Wita Juwita Ermawati
The Winners Vol. 22 No. 2 (2021): The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v22i2.7104

Abstract

The research intended to analyze the overreaction phenomenon in Islamic stocks due to COVID-19 as well as the influencing factors by utilizing different test methods and cross-sectional regression. The research employed data on the daily stock prices from August 9th, 2019 to October 26th, 2020 on the Jakarta Islamic Index (JII) and the stocks utilized during the period of events. The sample of the research utilized seven events related to COVID-19. The findings reveals that the announcement of COVID-19 transmission and lockdown (Event 2) causes overreaction in winner stocks. Meanwhile, the overreaction phenomenon of loser stock is due to the announcement of the United States fiscal stimulus (Event 5) and the announcement of the PSBB (Event 6). Furthermore, the new normal announcement event (Event 7) triggers overreaction in the winner and loser stocks. The results indicate that Islamic stocks continue to have several transactions which are prohibited by the Fatwa DSN MUI in the short term. In this case, the variables that impact the overreaction phenomenon are shown to be substantially and negatively linked to leverage and market capitalization, while trading volume significantly influences and has a positive correlation with the overreaction phenomenon.
Analisis Kinerja Kontrak Berjangka Komoditi pada Tokyo Grain Exchange – Jepang Tomy G. Soemapradja
The Winners Vol. 6 No. 1 (2005): The Winners Vol. 6 No. 1 2005
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v6i1.483

Abstract

Futures contract is one of derivative instruments in which its value depends on underlying asset’s price fluctuation in the future. At the beginning, the futures contracts were traded with hedging motive, but now they are traded with speculative motive also. As an agricultural nation, finally, Indonesia has a commodity futures exchange (BBJ) by the end of 2000. Low volume of transactions and less futures alternative on BBJ made Tokyo Grain Exchange (TGE) as the object of this research. The statistical test concluded: The average rate of return of futures portfolio model is greater than average of forex trading of USD, and the risk of futures portfolio model is greater than forex trading of USD.
Internet Marketing: Solusi Bagi Pengusaha Bermodal Kecil A. Cahyadi
The Winners Vol. 6 No. 1 (2005): The Winners Vol. 6 No. 1 2005
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v6i1.484

Abstract

Marketing is an integral part of any businesses who based its existence on profit. In its history marketing strategy has evolved several times into a strategy focusing more and more towards consumers needs. One of the marketing strategies that is currently being highlighted is Internet Marketing. This article tries to identify the advantage and weaknesses of Internet marketing and based on this fact recommends the most approriate internet promotion tools for e-enteprenuers with limited budget. At the end, article expresses some possibilities on Internet marketing adoption by Small and Medium Scale Enteprenuers in Indonesia.
Mengartikulasikan Tabel Input-Output dan Kerangka Analisisnya Budi Cahyono; Bagus Sumargo
The Winners Vol. 6 No. 1 (2005): The Winners Vol. 6 No. 1 2005
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v6i1.485

Abstract

Input -Output (I-O) table can be used to analyse economic projection and present some service and good transactions in production activities, final demand, and bruto added value (BAV). I-O table can help to analyse government policy, such as impact analysis to output, bruto added value, and worker needed.
Strategi Komunikasi Menjual Telepon Selular Donny B. U.
The Winners Vol. 6 No. 1 (2005): The Winners Vol. 6 No. 1 2005
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v6i1.525

Abstract

Article discusses communication strategy that is done by celullar operator in Indonesia. The unique of the communication strategy in celullar phone service business becomes one of key factors, not only in competing market share but also mind share of product user and celullar service that is still in high-tech category.
Mengukur Manfaat Ekonomis Sistem Aplikasi Monitoring ATM dengan Metode Information Economics: Studi Kasus PT Bank XYZ Tbk Viany Utamy Thjin; Hudiarto Hudiarto; Intan Puspita
The Winners Vol. 6 No. 1 (2005): The Winners Vol. 6 No. 1 2005
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v6i1.526

Abstract

Research discusses information economics method to measure the economic benefit from information technology application. Research with information economics method is applied on Gasper Vantage, ATM monitoring application system that is used by XYZ Bank Company. The Gasper Vantage is applied to increase the ATM availability and to give a better service to customer. From the research, the Gasper Vantage can be useby XYZ Bank Company and also increasing the company competitive advantage.

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