Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK最新文献_第9页

MEASURING CUSTOMER TRUST THROUGH DIGITAL TRANSFORMATION OF BANKING AS A COMPETITIVE ADVANTAGE 通过银行数字化转型作为竞争优势衡量客户信任

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-08-31 DOI: 10.26418/jebik.v11i2.51986

P. Pristiyono, J. Juliana, Y. Prayoga

{"title":"MEASURING CUSTOMER TRUST THROUGH DIGITAL TRANSFORMATION OF BANKING AS A COMPETITIVE ADVANTAGE","authors":"P. Pristiyono, J. Juliana, Y. Prayoga","doi":"10.26418/jebik.v11i2.51986","DOIUrl":"https://doi.org/10.26418/jebik.v11i2.51986","url":null,"abstract":"The financial and banking industry has implemented digitalization as a marketing weapon and realized industry 4.0. The purpose of this study was to determine the extent of the implementation of banking digitalization in the expansion areas. The population of this research is the customers registered at Bank Sinar Mas Rantauprapat in 2021 as many as 1445 people. Research using multivariate data should use the number of samples in the survey as many as 200 samples with purposive sampling technique. Smart PLS data analysis through the stages of convergent validity, discriminant, composite reliability, Cronbach's alpha and R-square. The results show that customer trust is very important in the business practice of the financial or banking industry, this is because customer trust is the most effective weapon in the banking service industry based on digital transformation as banking services will be able to increase customer satisfaction and even loyalty and attract new customers. Digital transformation in the banking world is an important phenomenon as access to the realization of customer-company interactions through information and communication technology, making it easier for companies to win the competition and become a competitive advantage for banking.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"59 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90257934","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

AN ANALYSIS OF DETERMINANTS OF E-COMMERCE-BASED ACCOUNTING INFORMATION SYSTEMS ADOPTION ON THE PERFORMANCE OF MILLENNIAL MSME IN MEDAN CITY 基于电子商务的会计信息系统采用对中城市千禧一代中小企业绩效的影响因素分析

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-08-31 DOI: 10.26418/jebik.v11i2.53465

D. Syah, Abigail El Karen

{"title":"AN ANALYSIS OF DETERMINANTS OF E-COMMERCE-BASED ACCOUNTING INFORMATION SYSTEMS ADOPTION ON THE PERFORMANCE OF MILLENNIAL MSME IN MEDAN CITY","authors":"D. Syah, Abigail El Karen","doi":"10.26418/jebik.v11i2.53465","DOIUrl":"https://doi.org/10.26418/jebik.v11i2.53465","url":null,"abstract":"This study aims to determine the effect of perceived usefulness, perceived ease of use, attitude toward using, and behavioral intention to use the service of e-commerce-based accounting information systems on Millennial MSME performance. The population in this research were all Millennial MSME actors in Medan City. The research sample comprised 46 respondents from this population using the purposive sampling method. According to the findings of this research, perceived usefulness has a positive and significant effect on MSMEs' performance, perceived ease of use has no significant effect on MSMEs' performance, attitude toward using has no significant effect on MSMEs' performance, and behavioral intention to use has no significant effect on MSMEs' performance. However, perceived usefulness, perceived ease of use, attitude toward using, and behavioral intention to use all significantly impact MSMEs' performance. This research highlights the effectiveness of MSME technology acceptance in adopting e-commerce and provides an overview of the condition of MSMEs amid technological advances, as well as empirical evidence to carry out further guidance for MSME actors.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"35 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79607605","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

ADAPTATION OF THE STATE UNIVERSITY-LEGAL ENTITY’S EMPLOYEES ON WORK PATTERN CHANGES DURING COVID-19 PANDEMIC 新冠肺炎大流行期间州立大学法人员工工作模式变化的适应

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-08-31 DOI: 10.26418/jebik.v11i2.54441

Weko Heryanto, A. Sukmawati, Aida Vitayala Sjafri

{"title":"ADAPTATION OF THE STATE UNIVERSITY-LEGAL ENTITY’S EMPLOYEES ON WORK PATTERN CHANGES DURING COVID-19 PANDEMIC","authors":"Weko Heryanto, A. Sukmawati, Aida Vitayala Sjafri","doi":"10.26418/jebik.v11i2.54441","DOIUrl":"https://doi.org/10.26418/jebik.v11i2.54441","url":null,"abstract":"The COVID-19 pandemic phenomenon is causing increased stimulus to digital acceleration, and organizational work patterns change, thus creating a new work way for X University employees. Human resources management should keep on striving to retain employees as an essential asset. The purpose of this research is to analyze supporting factors and strategize to improve the adaptability of the education supporting staff of X University in changing situations as a result of the COVID-19 pandemic. The number of respondents who filled in the online questionnaire and were selected by using a purposive sampling method was 297 respondents. The data analysis tool used in this study is Structural Equation Modeling-Partial Least Square (SEM-PLS). The research found that engaging leadership, human resources management practice and job demands had no direct effect on work engagement. Job resources and personal resources had a direct effect on work engagement. Engaging leadership, human resources management practice, job demands, and job resources had no direct effect on performance. Personal resources and work engagement had a direct effect on performance. Work engagement was able to become a mediator for job resources and personal resources towards performance.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"78 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79216636","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

LESS INCLUSIVE GROWTH IN INDONESIA? THE UNINTENDED CONSEQUENCES OF INTERNET PENETRATION 印尼的包容性增长减弱?互联网渗透带来的意想不到的后果

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-08-31 DOI: 10.26418/jebik.v11i2.53871

Hidsal Jamil

{"title":"LESS INCLUSIVE GROWTH IN INDONESIA? THE UNINTENDED CONSEQUENCES OF INTERNET PENETRATION","authors":"Hidsal Jamil","doi":"10.26418/jebik.v11i2.53871","DOIUrl":"https://doi.org/10.26418/jebik.v11i2.53871","url":null,"abstract":"Separate studies on the impact of internet penetration on growth and per capita income levels, inequality, and poverty levels are still being discussed. Using data from 33 Indonesian provinces between 2008 and 2020, this paper investigates whether internet penetration modulates economic growth by reducing inequality and poverty. The Two-Way Fixed Effect (TWFE) econometric model was used. Two findings can be concluded from this paper. First, Indonesia's economic growth remains less inclusive, as evidenced by rising per capita income, which tends to reduce poverty but not income inequality. Second, Indonesia's economic growth tends to be less inclusive as an unintended consequence of internet penetration. Although it strengthens the effect on poverty reduction, on the other hand, the interaction of economic growth with internet penetration tends to exacerbate income inequality. Based on these findings, the study suggests that the government should improve advanced ICT skills and lower barriers to internet adoption, particularly for the less fortunate. The internet is expected to become a tool to achieve inclusive growth through expanding a newly established middle class instead of simply the economic transformation of the poor into non-poor households under this policy.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"20 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81926559","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2

DOES ENTREPRENEURSHIP EDUCATION MATTER FOR ISLAMIC HIGHER EDUCATION STUDENTS’ ENTREPRENEURIAL READINESS? 创业教育对伊斯兰高等教育学生的创业准备有影响吗?

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-08-31 DOI: 10.26418/jebik.v11i2.55092

Utari Evy Cahyani, Siswanto Masruri, S. M. Hanafi

{"title":"DOES ENTREPRENEURSHIP EDUCATION MATTER FOR ISLAMIC HIGHER EDUCATION STUDENTS’ ENTREPRENEURIAL READINESS?","authors":"Utari Evy Cahyani, Siswanto Masruri, S. M. Hanafi","doi":"10.26418/jebik.v11i2.55092","DOIUrl":"https://doi.org/10.26418/jebik.v11i2.55092","url":null,"abstract":"This research examines the empirical linkages among entrepreneurship education, entrepreneurial mindset, entrepreneurial skill, and entrepreneurial readiness of Islamic higher education students in Indonesia. This research also highlights the intervening role of an entrepreneurial mindset and entrepreneurial skills in the linkages between entrepreneurship education and entrepreneurial readiness. This study is based on social cognitive theory. The article is a quantitative research using a survey method. Data were collected using an online questionnaire with a sample of 310 Islamic college students in Indonesia. The data were analyzed using PLS-SEM to identify hypotheses. The results indicate that entrepreneurship education improves the entrepreneurial mindset and entrepreneurial skills. Surprisingly, entrepreneurship education has no direct effect on entrepreneurial readiness. Although entrepreneurship education indirectly affects entrepreneurial readiness, intervened by an entrepreneurial mindset and entrepreneurship skills. The results showed that the entrepreneurial mindset and entrepreneurship skills determine entrepreneurial readiness. The findings of this study are essential for Islamic higher education to provide entrepreneurship education that aims to develop an entrepreneurial mindset and improve entrepreneurship skills.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"138 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86274978","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

INDONESIA'S FOREIGN DEBT DEVELOPMENT AND MACROECONOMIC VARIABLES 印尼外债发展与宏观经济变量

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-08-31 DOI: 10.26418/jebik.v11i2.52744

H. Malini, Yufita Efie Seinna, R. Rustam

引用次数: 3

THE PREFERENCES FOR HOUSING LOAN DEMAND IN INDONESIA BEFORE AND AFTER THE LOAN-TO-VALUE POLICY CHANGE 贷款价值比政策变化前后印尼住房贷款需求偏好

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-08-31 DOI: 10.26418/jebik.v11i2.52888

Fitri Juniwati Ayuningtyas

{"title":"THE PREFERENCES FOR HOUSING LOAN DEMAND IN INDONESIA BEFORE AND AFTER THE LOAN-TO-VALUE POLICY CHANGE","authors":"Fitri Juniwati Ayuningtyas","doi":"10.26418/jebik.v11i2.52888","DOIUrl":"https://doi.org/10.26418/jebik.v11i2.52888","url":null,"abstract":"The high price of houses causes a person to not be able to buy a home. The way that someone can own a house is by taking advantage of the credit offers provided by the bank. A mcroprudential policy needed that aims to overcome financial system instability, one of which is the policy on easing the loan-to-value (LTV) ratio for housing loans (KPR). The adjustment of LTV ratio aims to increase the potential demand for property, especially housing and household appliances, in line with an increase in the incomes of the lower middle class, and to control risks in the property sector. This study analyzes the impact of savings, loan interest rates, property sector NPLs, and the number of housing loans before and after a LTV policy revision. The data analysis used the Paired t-test, Wilcoxon signed-rank test, and multiple linear regression. The study results showed that there were differences between savings, loan interest rates, property sector NPLs, and the number of mortgages before and after a LTV policy change. Savings and NPLs in the property sector have no impact on the demand for housing loans while loan interest rates and LTV policy significantly affect the demand for housing loans.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90961613","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

GOVERNMENT SPENDING AND REGIONAL ECONOMIC GROWTH: THE MEDIATING EFFECT OF HUMAN DEVELOPMENT INDEX 政府支出与区域经济增长:人类发展指数的中介作用

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-08-31 DOI: 10.26418/jebik.v11i2.52229

Handaru Edit Sasongko, Puji Wibowo

{"title":"GOVERNMENT SPENDING AND REGIONAL ECONOMIC GROWTH: THE MEDIATING EFFECT OF HUMAN DEVELOPMENT INDEX","authors":"Handaru Edit Sasongko, Puji Wibowo","doi":"10.26418/jebik.v11i2.52229","DOIUrl":"https://doi.org/10.26418/jebik.v11i2.52229","url":null,"abstract":"The dynamic of local government spending on education, health care, and infrastructure in the region shows an interesting phenomenon in the last decade. Despite the fact that budget expenditures of sub national governments have grown substantially, the pace of the human development index and the rate of economic growth have provided us different pictures. This study aims to analyze the impact of the three spending groups on the quality of human development and economic growth in Indonesia. This research used purposive sampling method to obtain data from as many as 464 districts/cities that were observed during the 2016-2018 period. Based on panel analysis, there was evidence that health spending had a positive effect on the human development index and community welfare. By contrast, spending on education and infrastructure did not have a good effect on these two development indicators. Based on the Sobel test, only health spending had a positive indirect effect on economic growth through the quality of human development. Meanwhile, education spending did not have a significant effect on economic growth, either directly or indirectly. Future research may develop another measurement for insfrastructure spending to provide better proxy.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"5 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89864699","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

PENGARUH LINGKUNGAN KELUARGA DAN PENDIDIKAN KEWIRAUSAHAAN TERHADAP MINAT BERWIRAUSAHA SISWA SMA (Studi Kasus pada Siswa Kelas XII SMAN Bandarkedungmulyo) 家庭环境和创业教育对高中生企业家兴趣的影响

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-07-30 DOI: 10.32682/jpekbm.v6i1.2555

Ririn Nikmatur Rohmah, Heru Totok Tri Wahono

{"title":"PENGARUH LINGKUNGAN KELUARGA DAN PENDIDIKAN KEWIRAUSAHAAN TERHADAP MINAT BERWIRAUSAHA SISWA SMA (Studi Kasus pada Siswa Kelas XII SMAN Bandarkedungmulyo)","authors":"Ririn Nikmatur Rohmah, Heru Totok Tri Wahono","doi":"10.32682/jpekbm.v6i1.2555","DOIUrl":"https://doi.org/10.32682/jpekbm.v6i1.2555","url":null,"abstract":"Penelitian bertujuan mengetahui pengaruh lingkungan keluarga dan pendidikan kewirausahaan terhadap minat berwirausaha siswa SMAN Bandarkedungmulyo terkhusus kelas XII. Penelitian ini menerapkan metode kuantitatif dengan jumlah populasi sebanyak 223 serta sampel responden sebanyak 69 dengan perhitungan rumus Slovin. Pengumpulan data dilaksanakan melalui cara menyebar angket serta dokumentasi. Masing-masing variable diukur dari pengujian validitas serta reliabilitas. Analisis data dilakukan dengan uji regresi linier berganda dengan aspek uji F, uji t, dan uji determinasi serta memakai uji asumsi klasik yang meliputi uji normalitas, uji multikolinieritas, uji autokorelasi serta uji heterokedastisitas. Hasil dari penelitian ini menunjukkan bahwa lingkungan keluarga berpengaruh positif dan signifikansi terhadap minat berwirausaha siswa kelas XII SMAN Bandarkedungmulyo dengan dibuktikan nilai Sig 0,002 < 0,05. Pendidikan kewirausahaan memiliki pengaruh positif juga signifikansi terhadap minat berwirausaha siswa kelas XII SMAN Bandarkedungmulyo dengan dibuktikan nilai Sig 0,000 < 0,05. Yang berarti lingkungan keluarga serta pendidikan kewirausahaan secara bersamaan bisa memberi pengaruh atas minat berwirausaha siswa kelas XII SMAN Bandarkedungmulyo. Hal ini berarti lingkungan keluarga serta pendidikan kewirausahaan yang baik dan mendukung siswa dalam pelaksanaan pengembangan minat akan mendorong keinginan mereka terhadap kegiatan berwirausaha. Makin baik lingkungan keluarga juga pendidikan kewirausahaan yang dijalankan akan menumbuhkan minat berwirausaha siswa. Namun sebaliknya jika lingkungan keluarga maupun pendidikan kewirausahaan kurang mendukung maka akan rendah pula minat berwirausaha siswa.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"15 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82026523","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

DISIPLIN KERJA SEBAGAI VARIABEL INTERVENING PADA KEPEMIMPINAN DEMOKRATIS DAN KINERJA KARYAWAN PDAM GIRI NAWA TIRTA KABUPATEN PASURUAN 工作纪律作为对民主领导和工作人员nadan GIRI NAWA TIRTA摄政部门工作人员绩效的可变干预

Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK Pub Date : 2022-07-30 DOI: 10.32682/jpekbm.v6i1.2344

Lailiyatul Maulidiyasy Syafa'ah, Setiani Setiani

引用次数: 0