JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi).
Based on Decree No. 28 / E / KPT / 2019 concerning the Ranking of Scientific Journal Accreditation Period V in 2019 by the Director General of Research and Development of the Ministry of Research, Technology and Higher Education. JMBI UNSRAT has been accredited by SINTA 5. This accreditation is valid for 5 years (2018 - 2022). And has been in Re-Accreditation and based on SK No. 36 / E / KPT / 2019 starting from Vol. 6 number 2 from 2019 onwards (2022) becomes SINTA 4.
Magister Manajemen Program Pasca Sarjana Universitas Sam Ratulangi Manado
PENGARUH TASK-TECHNOLOGY FIT (TTF) DAN INFORMATION SYSTEM SUCCESS MODEL (ISSM) TERHADAP EFISIENSI KINERJA PELAPORAN KEUANGAN DENGAN KEPUASAN PENGGUNA SEBAGAI VARIABEL INTERVENING
Accounting Information Systems (AIS) play an important role in reducing the risk of poor decision-making and promoting efficient managerial performance through the provision of reliable, relevant, timely, complete, and understandable data. One AIS widely used is the ICSO accounting software developed by PT XYZ to support accounting needs ranging from general to detailed levels. However, in several organizations, problems are still found in the form of mismatches between the system and task requirements as well as low user satisfaction, raising the question of whether ICSO truly improves financial management efficiency or merely serves as an information tool. This study integrates the Task–Technology Fit (TTF) approach and the Information System Success Model (ISSM) into a single model with several hypotheses testing the effects of task characteristics, technology characteristics, system quality, information quality, and service quality on task–technology fit, user satisfaction, and the efficiency of financial reporting performance. Data were collected through questionnaires distributed to ICSO users and analyzed using SEM–PLS with SmartPLS 4. The results show that Task Characteristics and Technology Characteristics have a significant effect on TTF; TTF and Information Quality have a significant effect on User Satisfaction; while System Quality and Service Quality are not significant. User Satisfaction has a strong effect on Financial Reporting Performance Efficiency and mediates the effects of TTF and Information Quality on efficiency. These findings indicate that ICSO truly provides added value when its technological functions are aligned with task requirements, produce high-quality information, and generate user satisfaction. Keywords: Accounting Information Systems, User Satisfaction, Financial Reporting Efficiency, Task–Technology Fit, Information System Success Model, ICSO.
THE JOKOWI ERA: DID HE DELIVER WHAT HE PROMISE?
Comparative quantitative approach utilized to evaluate Indonesia's financial performance in manufacturing, mining, and infrastructure sectors from 2014 to 2022 from PCT POV. Utilizing secondary data from audited financial statements, the study finds that the manufacturing sector indicated stagnant performance. The final research sample consists of 103 manufacturing, 31 mining, and 23 infrastructure companies. Three analysis stages involved: Descriptive statistics, calculating the mean values each financial sector. Paired-sample t-tests (within-firm comparisons) evaluating a one-tailed hypothesis that performance in 2022 is higher than in 2014. Lastly, the test results interpretation follows standard significance testing procedures (1%, 5%, and 10% significance level) using STATA, In contrast, the mining sector showed significant improvement in asset utilization, liquidity, and profitability, confirming the hypothesis of progress. On the contrary, the infrastructure sector displayed declines in asset turnover and profitability, leading to the rejection of the hypothesis regarding its progress. Factors like foreign investment and operational challenges in the manufacturing and infrastructure sectors are discussed.
PENGARUH LIMITED TIME OFFER, DISKON, DAN INFLUENCER MARKETING TERHADAP IMPULSIVE BUYING PADA PLATFORM TIKTOK SHOP: PERAN MEDIASI HEDONIC MOTIVATION
Perkembangan social commerce melalui TikTok Shop telah memengaruhi perilaku belanja Generasi Z yang responsif terhadap berbagai strategi pemasaran digital. Penelitian ini bertujuan menganalisis pengaruh limited time offer, diskon, dan influencer marketing terhadap impulsive buying dengan hedonic motivation sebagai variabel mediasi pada Generasi Z pengguna TikTok Shop di Kota Manado. Penelitian menggunakan pendekatan kuantitatif melalui survei terhadap 154 responden yang dipilih dengan teknik purposive sampling. Analisis data dilakukan menggunakan metode Structural Equation Modeling–Partial Least Square (SEM-PLS). Hasil penelitian menunjukkan bahwa diskon dan influencer marketing berpengaruh positif terhadap hedonic motivation, sedangkan limited time offer tidak berpengaruh signifikan. Diskon dan hedonic motivation berpengaruh positif terhadap impulsive buying, sementara limited time offer dan influencer marketing tidak berpengaruh signifikan. Selain itu, hedonic motivation memediasi pengaruh diskon dan influencer marketing terhadap impulsive buying, tetapi tidak memediasi pengaruh limited time offer.
PERANCANGAN MODEL BISNIS STARTUP APLIKASI DIGITAL UNTUK PENGELOLAAN DAN PROMOSI COFFEE SHOP DI KOTA JEMBER DENGAN MENGGUNAKAN METODE LEAN STARTUP DAN SERVICE DESIGN
The rapid development of digital technology has encouraged business actors to improve operational efficiency, promotion, and customer experience through application-based services. However, coffee shops in Jember City still face various challenges, including limited promotional reach, low customer loyalty, the absence of integrated reservation systems, and minimal service personalization. This study aims to design a business model and a digital application prototype for coffee shops by applying the Lean Canvas framework, the Lean Startup approach through the Build–Measure–Learn cycle, and service design using the Double Diamond framework at the Define, Develop, and Deliver stages. The findings indicate that coffee shop managers require features for transaction recording, inventory management, promotion, customer loyalty programs, reservations, financial reporting, and business performance analysis, while customers need access to coffee shop catalogs, promotional information, personalized recommendations, rewards, convenient reservation features, and interactive feedback. The prototype was evaluated using the System Usability Scale (SUS) with two user groups, resulting in scores of 89 for customers and 88 for managers, which fall into the A+ (Excellent), Acceptable, and Promoter categories. These results demonstrate high usability and indicate strong potential for implementing the application to support the digitalization of the local coffee shop ecosystem in Jember City. Keywords: Startup Business Model, Digital Application, Coffee Shop, Lean Startup, Service Design
ANALISIS PENERAPAN PRESENSI SISTEM INFORMASI KEPEGAWAIAN NASIONAL DAN KOMPENSASI TERHADAP KINERJA PNS MELALUI DISIPLIN KERJA SEBAGAI VARIABEL MEDIASI
This study aims to analyze the effect of the implementation of the National Civil Service Information System (SIMPEGNAS) and compensation on the performance of Civil Servants (PNS) in the Regional Secretariat of South Minahasa Regency, with work discipline as a mediation variable. The study used a quantitative approach through a survey of 159 civil servants and analyzed using Partial Least Square–Structural Equation Modeling. The results of the study show that the implementation of SIMPEGNAS and compensation has a positive and significant effect on the performance of civil servants. In addition, work discipline has been proven to play a role as a mediating variable that positively and significantly mediates the influence of the implementation of SIMPEGNAS and compensation on the performance of civil servants.
PENGARUH BRAND GESTALT DAN SELF-PLACE CONGRUITY TERHADAP KEPUTUSAN BERKUNJUNG KEMBALI GEN Z DI MANADO BAY YANG DIMEDIASI VARIABEL NIAT BERKUNJUNG
The development of urban culinary destinations has intensified competition in attracting visitors, particularly among Generation Z, who tend to be critical and experience-oriented consumers. This study aims to analyze the influence of brand gestalt and self-place congruity on Generation Z’s revisit decisions at culinary destinations in Manado Bay, with visit intention acting as a mediating variable. This research employed a quantitative approach using a survey method targeting Generation Z visitors who had previously visited the area. Data were collected through questionnaires and analyzed using structural model analysis to examine the relationships among the research variables. The results indicate that brand gestalt and self-place congruity have a positive effect on visit intention. Furthermore, visit intention significantly influences revisit decisions. Visit intention also plays a mediating role in the relationship between brand gestalt and self-place congruity and revisit decisions. These findings suggest that a holistic perception of a destination and the congruence between visitors’ self-image and the destination image can enhance visitor loyalty.
PENGARUH E-SERVICE QUALITY DAN E-TRUST TERHADAP KEPUASAN NASABAH PENGGUNA WONDR BY BNI MELALUI CITRA BANK SEBAGAI VARIABEL INTERVENING
This study aims to examine the influence of e-service quality and e-trust on customer satisfaction, as well as their impact on bank image, and the effect of bank image on customer satisfaction among users of the Wondr by BNI. The research adopts a quantitative approach using a survey method by distributing questionnaires to 100 respondents who are customers of Wondr by BNI. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) technique through the SmartPLS software. The findings reveal that the independent variables analyzed, namely e-service quality and e-trust, have a positive and significant direct effect on both customer satisfaction and bank image. Furthermore, bank image also shows a positive and significant direct influence on customer satisfaction. These results indicate that the effectiveness of electronic service quality and the level of customer trust in the Wondr by BNI application significantly contribute to building a favorable bank image and improving customer satisfaction. This research is expected to provide academic contributions to the development of digital service marketing studies and offer practical recommendations for Bank BNI in enhancing service quality and strengthening customer trust through improvements in digital banking features and security.
PENGARUH WLB DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN DIMEDIASI OLEH KEPUASAN KERJA PADA BANK SWASTA”
Pesatnya revolusi industri yang secara langsung merubah tananan pola dalam bekerja telah berkembang cukup signifikan. Aspek bisnis menjadi salah satu aspek yang memiliki perubahan yang sangat signifikan yang menyebabkan perubahan operasional bisnis dan perubahan perilaku . Perbankan menjadi salah satu industri yang harus beradaptasi dengan cepat karena perubahan konsumen yang senantiasa berubah dari waktu ke waktu yang dikarenakan perubahan dominasi generasi konsumen dan berimbas para perubahan perilaku konsumen. Penelitian ini merupakan penelitian kuantitatif deskriptif yang melibatkan 190 responden, yaitu karyawan Perbankan Swasta di Jakarta, yang dipilih melalui teknik purposive sampling. Pengukuran data dilakukan menggunakan skala Likert 1-5, dengan pengolahan data menggunakan metode Structural Equation Model (SEM) menggunakan perangkat lunak AMOS versi 22. Penelitian ini bertujuan untuk mengungkap pengaruh Work Life Balance dan Motivasi Kerja terhadap Kinerja Karyawan dengan Kepuasan Kerja sebagai variabel mediasi. Hasil dari penelitian ini mengungkapkan bahwa Work Life Balance tidak berpengaruh terhadap Kinerja Karyawan, Work Life Balance berpengaruh positif terhadap Kepuasan Kerja, Motivasi Kerja berpengaruh positif terhadap Kepuasan Kerja, Motivasi Kerja tidak berpengaruh terhadap Kinerja Karyawan, Kepuasan Kerja tidak berpengaruh terhadap Kinerja Karyawan, Kepuasan Kerja tidak memediasi pengaruh Work Life Balance terhadap Kinerja Karyawan, Motivasi Kerja tidak memediasi pengaruh Work Life Balance terhadap Kinerja Karyawan. Menanggapi hal tersebut, hasil dari penelitian ini mengungkap pentingnya implementasi Work Life Balance serta Kepuasan Kerja untuk dapat meningkatkan level Kepuasan Kerja karyawan sehingga dapat membuat perusahaan Perbankan Swasta dapat menjadi lebih kompetitif dan mampu bersaing dengan perusahaan Perbankan Swasta lainnya bahkan perusahaan Perbankan milik Negara.
ANALISIS CUSTOMER PERSONA DAN KEBUTUHAN PENGGUNA UNTUK PAYMENT INTEGRATOR DI INDONESIA: SEBUAH PENDEKATAN DESIGN THINKING”
Along with the exponential growth of Indonesia’s digital economy, the need for efficient and user-centered payment solutions has become increasingly crucial for business actors (merchants). This study aims to comprehensively map the landscape of merchant needs in Indonesia related to payment integrator services, a field that is often dominated by technology-driven approaches rather than user-centered ones. Using a qualitative approach adapted from the early stages of the Design Thinking methodology (Empathize and Define), this study conducted in-depth interviews with five business entities from diverse sectors, including Internet Service Providers (ISPs), property management, and banking. The results identify three fundamentally different customer personas based on their primary decision drivers: (1) Cost-Driven Users, who prioritize the lowest transaction fees (MDR); (2) Quality & Risk-Driven Users, who emphasize system reliability, security, and regulatory compliance; and (3) Liquidity-Driven Users, who are highly sensitive to fund disbursement speed (settlement). Further analysis reveals universal pain points such as high costs and slow settlement, as well as desired gains such as payment channel flexibility and trust in service providers. These findings provide a strategic foundation for financial technology product developers to design sharper and more relevant value propositions that align with actual market needs, moving beyond standard feature offerings and creating sustainable competitive advantages. Keywords: Customer Persona, User Needs, Payment Gateway, Financial Technology, Design Thinking, Case Study, B2B Marketing.
HUBUNGAN PERSEPSI HARGA DAN KUALITAS PRODUK TERHADAP KEPUASAN PELANGGAN: STUDI STATISTIK PADA CRYSTAL LIM
The demand for premium crystal products with both spiritual and aesthetic value has increased in recent years, particularly through social media. However, limited research has examined the factors that drive customer satisfaction in the context of spiritual-premium products. This study aims to assess the influence of price perception and product quality perception on customer satisfaction with Crystal Lim, a premium crystal business in Indonesia. A quantitative cross-sectional survey was conducted with 100 respondents who had purchased Crystal Lim products within the past 12 months. Data were collected through an online questionnaire and analyzed using multiple linear regression. The results show that price perception (β = 0.314; p = 0.002) and product quality perception (β = 0.283; p < 0.001) significantly affect customer satisfaction. The regression model explains 22.6% of the variance in customer satisfaction (R² = 0.226; F(2,97) = 14.165; p < 0.001).
PERAN KEMAMPUAN DIGITAL DALAM MEMEDIASI PENGARUH TRANSFORMASI DIGITAL TERHADAP LITERASI DIGITAL: STUDI KOMPARATIF KARYAWAN PROYEK DAN NON-PROYEK PT WASKITA KARYA (PERSERO) TBK
Digital transformation has become an important strategy in improving organizational competitiveness, including in the construction industry. However, its success greatly depends on the readiness of human resources to utilize technology effectively. This study aims to analyze the role of digital capabilities in mediating the influence of digital transformation on employee digital literacy, as well as to examine differences in these patterns of influence between project and non-project employees at PT Waskita Karya (Persero) Tbk. This study uses a quantitative approach with a survey method of 280 respondents consisting of project and non-project employees. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) and Multi-Group Analysis (MGA). The results show that digital transformation has a positive and significant effect on employees' digital capabilities and digital literacy. Digital competence was found to play a partial mediating role in the relationship between digital transformation and digital literacy. Comparative analysis revealed differences in the patterns of influence between project and non-project employees. This study concludes that the impact of digital transformation on digital literacy works through the mechanism of digital competence and is influenced by the work context. These findings have implications for the development of more contextual strategies for improving digital competence in construction organizations. Keywords: Construction Industry, Digital Capabilities, Digital Literacy, Digital Transformation, Mediator.
REAKSI PASAR MODAL TERHADAP PENGUMUMAN TARIF TRUMP UNTUK INDONESIA PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DALAM INDEKS LQ45
This study aims to analyze the capital market reaction to events before and after the announcement of the 32% US tariff on Indonesia on manufacturing companies listed on the LQ45 index. Market reaction is measured through Abnormal Return and Trading Volume Activity with a quantitative approach using the Event Study method. The sample was determined using purposive sampling, with a sample size of six manufacturing companies listed on the LQ45 index for the period May-July 2025. The testing was conducted using a paired sample t-test and Wilcoxon signed rank test with an observation period of 7 days before and 7 days after the announcement. The results showed that there was no significant difference in abnormal return or trading volume activity before and after the tariff announcement. Thus, the announcement of a 32% tariff by the United States on Indonesia did not cause a significant reaction in the Indonesian capital market
PORTFOLIO SELECTION DOW JONES DAN MARKOWITZ DENGAN PEMILIHAN SAHAM BENJAMIN GRAHAM DAN APLIKASINYA DI BEI PERIODE 2018-2023
In this study, the authors compare stock portfolios created using the Dow Jones and Markowitz methodologies, which rely on stock recommendations from Benjamin Graham. The aim is to examine whether portfolios following these methods can outperform Indonesia's main stock market indices, the Jakarta Composite Index (JCI) and IDX30, over the period 2018 to 2023. The stock selection process uses Graham's rule by targeting companies whose earnings-to-price ratio is twice the yield on AAA-rated bonds (in this study using the Bank Indonesia (BI) rate averaged over 5 years from 2018 to 2023) and whose debt is less than its book value. The Dow Jones portfolio consists of 30 equally weighted stocks selected from eligible issuers, and the Markowitz portfolio is constructed following the mean-variance approach and Lagrangian function to obtain 14 stocks. This study examines both portfolios using weekly returns, standard deviations, and Sharpe ratios and examines whether they outperform the Jakarta Composite Index and IDX30. It can be seen that both portfolios outperform the index in terms of risk-adjusted returns, which are 0.32% per week for the Dow Jones portfolio and 0.42% per week for the Markowitz portfolio compared to the IHSG of 0.07% per week and the IDX30 of -0.01% per week.
PENGARUH E-COMMERCE ADOPTION, DAN INNOVATION TERHADAP BUSINESS PERFORMANCE YANG DIMEDIASI OLEH TRUST (STUDI KASUS: PERUSAHAAN KELUARGA DI INDONESIA)
The internet has revolutionized how people shop and interact with businesses. This transformation has created significant opportunities for small and medium-sized enterprises (SMEs), including family businesses, to enhance their business performance. Some strategic actions that business owners can take include adopting e-commerce to keep up with technological developments and fostering innovation to stay relevant in a rapidly changing environment. Moreover, innovation has been proven to improve business performance through developing goods and offerings that more effectively address consumer demands, increasing process efficiency, and opening new opportunities for business model development. The urgency of this research lies in the fact that family businesses—one of the most dominant business forms in Indonesia—face major challenges in adapting to these changes. The goal of this investigation is to address this shortfall by analyzing the impact of adopting e-commerce and innovation on improving business performance, as well as assessing the role of trust as a mediating variable. The study employs the Structural Equation Modelling (SEM) method based on Partial Least Squares (PLS) to analyze responses from 62 participants who met the research criteria. The research indicates a beneficial link between e-commerce, innovation, and overall business success. Additionally, the study identifies a positive influence of e-commerce on trust. On the other hand, the outcomes suggest no notable positive link between trust and business performance, and trust doesn't mediate the connection between e-commerce and business performance.
DETERMINATION OF FIRM VALUE: THE ROLE OF FINANCIAL FLEXIBILITY, FIRM SIZE, AND CAPITAL STRUCTURE IN FOOD AND BEVERAGE ISSUERS LISTED ON THE INDONESIA STOCK EXCHANGE (IDX)
A company's value is an important indicator that reflects performance and influences investor interest. This study aims to examine the influence of financial flexibility, firm size, and capital structure on the value of companies in the food and beverage subsector listed on the Indonesia Stock Exchange (IDX) during 2021-2023. The purposive sampling method was used to select 10 companies as a sample, and the data obtained from the annual reports as well as financial statements were statistically analyzed to determine the significance and direction of influence of the variables. The results show that the size of the company has a positive and significant effect on the value of the company; financial flexibility shows a non-significant negative influence; and capital structure has a positive influence that is also not significant. The study's conclusion is that while firm size plays an important role in increasing a company's value, financial flexibility and capital structure may not have a major impact. This research enriches understanding of financial management practices in the emerging market food and beverage sector and offers valuable insights for stakeholders in investment decision-making.
UTILIZING GREEN MARKETING TO ENHANCE AWARENESS AND UNIQUENESS IN USED COOKING OIL PROCESSING BUSINESSES
Rising household consumption of cooking oil in Indonesia has increased the volume of used cooking oil waste, which poses environmental risks but also creates opportunities for circular-economy ventures. Dolmin, a business that collects used cooking oil and upcycles it into aromatherapy candles, still faces unstructured marketing efforts and consumer skepticism regarding the safety, cleanliness, and credibility of products derived from waste materials. This study develops a sustainability-based green marketing strategy to strengthen environmental education, brand identity, and economic value creation for Dolmin by integrating the Segmenting–Targeting–Positioning (STP) framework, Value Proposition Design (VPD), and the Business Model Canvas (BMC). Using a qualitative single- case study approach, data were gathered through in-depth interviews, participant observation, and documentation over the research period and analyzed thematically through the lens of STP, VPD, and BMC. The results propose a strategic positioning of Dolmin as an environmental education agent, emphasizing transparent communication from collection to processing and upcycling to reduce perceptions of greenwashing and build trust. The primary market segment is identified as women aged 25–40 with an interest in sustainable lifestyles, supported by secondary targets such as homemakers and business partners, and a value proposition combining sustainability, aesthetics, and social meaning. Practical recommendations include activating digital channels (Instagram and TikTok), strengthening storytelling, improving aesthetic product design, expanding variants and interactive features, and scaling partnerships with restaurants, schools, communities, and influencers. Overall, the integrated strategy offers an implementable business development roadmap and provides practical insights for similar waste-management enterprises promoting responsible consumption and production.
PERAN MODERASI DIVERSITAS GENDER DALAM HUBUNGAN TATA KELOLA DAN KINERJA KEUANGAN BANK DI INDONESIA (2020–2024)
ABSTRAK. Penelitian ini dilatarbelakangi oleh fenomena fluktuasi profitabilitas sektor perbankan Indonesia pasca-pandemi, di mana rata-rata Return on Assets (ROA) menurun dari 1,72% (2020) menjadi 1,26% (2023). Kondisi ini memicu urgensi untuk mengevaluasi efektivitas mekanisme Good Corporate Governance (GCG) dan menguji peran strategis diversitas gender (DG) sebagai variabel yang memoderasi hubungan antara tata kelola dan kinerja keuangan. Penelitian kuantitatif ini menggunakan data panel sekunder dari 38 bank umum yang terdaftar di Bursa Efek Indonesia (BEI) dengan periode observasi 2020–2024. Analisis regresi data panel Random Effect Model (REM) dan Moderated Regression Analysis (MRA) digunakan untuk menguji hipotesis. Hasil uji parsial menunjukkan bahwa Dewan Komisaris Independen dan Ukuran Perusahaan berpengaruh signifikan positif terhadap ROA, sedangkan Dewan Direksi, Komite Audit, dan Kepemilikan Institusional tidak signifikan.
PENGARUH PENGEMBANGAN KARIR, LINGKUNGAN KERJA DAN BEBAN KERJA TERHADAP SEMANGAT KERJA KARYAWAN YANG DIMODERASI OLEH MOTIVASI KERJA DI CV HARAPAN BARU SULUT
The purpose of this study is to determine the direct influence of career development, work environment and workload on employee work motivation and work spirit. The influence of career development, work environment and workload on employee work spirit through work motivation at CV Harapan Baru Sulut. This study is a quantitative study with an associative approach. The sample used a saturated sample with a total of 47 respondents. The results of the study indicate that: career development has a significant effect on work motivation, the work environment does not have a significant effect on work motivation, workload has a significant effect on motivation, career development does not have a significant effect on work spirit, the work environment does not have a significant effect on work spirit, workload has a significant effect on work spirit, work motivation does not have a significant effect on work spirit, career development through work motivation does not have a significant effect on work spirit, the work environment through work motivation does not have a significant effect on work spirit and workload through work motivation does not have a significant effect on work spirit at CV. Harapan Baru Sulut.
WHAT INFLUENCE BUYING IMPULSIVENESS AND COMPULSIVE BEHAVIOUR? STUDY FROM GEN Z ONLINE STREAMERS AT JAVA ISLAND
Influence is a word that means in moving a person to do something. The existence of the influence of social information that develops in the world of technology is rapidly accompanied by the influence of social norms that develop among the community to form a mindset that leads to customer behaviour in making purchase decisions. In this study, online buying behaviour was examined as a mediating variable that leads to more simultaneous and stronger compulsive buying among customers. This study involved 126 respondents who actively watched and made purchases through the TikTok and Shopee live streaming methods. The data was processed using Smart-PLS and it was found that there was a positive and significant relationship between information social influence (ISI) and Normative Social Influence (NSI) affecting the mediating variable Online Buying Impulsiveness (OBI). However, NSI does not have a significant effect on dependent variable Compulsive Buying, in contrast to a significant ISI, which affects CB directly. These findings reinforce previous research on the role of Online Buying Behaviour as a mediating variable.
PENGARUH RISIKO GEOPOLITIK, KEPEMILIKAN INSTITUSIONAL, DAN UKURAN PERUSAHAAN TERHADAP KINERJA KEUANGAN INDUSTRI PERBANKAN PERIODE 2020-2024
ABSTRACT: The banking industry plays a strategic role in the capital market because it reflects the stability of the financial sector and is an important indicator of national economic conditions. This study aims to analyze the influence of geopolitical risk, institutional ownership, and company size on the financial performance of the banking industry in the 2020–2024 period. The research data uses annual panel data with a sample of 47 companies as the cross-section dimension and the 2020–2024 period as the time series dimension. The sampling technique was purposive sampling with the criteria of companies being listed and actively traded, having complete financial reports, and being considered fairly healthy with ROA ≥ 0.5%, resulting in a total of 28 observations. The research method uses a quantitative approach with panel data regression analysis. The results show that geopolitical risk, institutional ownership, and company size simultaneously influence the financial performance of the banking industry. Partially, company size has a positive and significant effect on company performance, while geopolitical risk and institutional ownership have a negative and insignificant effect on company performance in the banking industry.
AN EXTENDED TPB MODEL OF GREEN HOUSING PURCHASE INTENTION: EVIDENCE FROM INDONESIA’S URBAN HOUSING MARKET
Green housing purchase intention is an important issue in sustainable urban development in Indonesia. This study examines the determinants of green housing purchase intention by extending the Theory of Planned Behaviour (TPB). The model incorporates environmental concern, perceived value, reasonable price, and green product attributes to represent behavioural and economic factors influencing consumer decisions. A quantitative survey was conducted among 286 urban respondents, and the data were analysed using multiple regression. The results indicate that purchase attitude is the strongest predictor of purchase intention. Perceived value and environmental concern have significant positive effects, while perceived behavioural control shows a weaker influence. Subjective norms and reasonable price are not significant. In addition, green product attributes significantly influence purchase attitude, highlighting tangible environmental features shaping consumer perceptions. These findings emphasize the importance of strengthening consumer attitudes and perceived value to encourage green housing adoption.
ANALISIS SIMULASI PREDIKSI CUSTOMER CHURN E-COMMERCE MENGGUNAKAN ALGORITMA RANDOM FOREST BERBASIS DATA SINTETIS
Tingkat customer churn yang tinggi menjadi tantangan kritis bagi industri e-commerce di Indonesia dengan potensi kerugian mencapai miliaran rupiah per tahun. Penelitian ini bertujuan untuk mengimplementasikan sistem prediksi churn pelanggan sebagai proof-of-conceptmenggunakan algoritma machine learning. Mengingat keterbatasan akses data privat e-commerce, penelitian ini menggunakan pendekatan metodologis dengan dataset sintetis yang terdiri dari 1000 data pelanggan dan 9 fitur utama meliputi tenure, monthly spending, total transactions, support tickets, dan last purchase days. Tiga algoritma machine learning diimplementasikan yaitu Logistic Regression, Decision Tree, dan Random Forest untuk melakukan klasifikasi prediksi churn. Hasil penelitian menunjukkan bahwa Random Forest memberikan performa yang paling stabil dengan akurasi sebesar 87.5%, precision 86%, recall 87%, dan F1-score 86%. Penurunan performa dibandingkan model deterministik menunjukkan bahwa model diuji pada kondisi data yang lebih realistis dan tidak mengalami overfitting terhadap aturan generatif.
PENGARUH ELECTRONIC WORD OF MOUTH (E-WOM), DIGITAL MARKETING, DAN KEPERCAYAAN KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN DENGAN CITRA MEREK SEBAGAI MEDIASI PADA KLINIK KECANTIKAN ZAP MANADO
This study aims to analyze the effect of Electronic Word of Mouth (E-WOM), digital marketing, and consumer trust on purchasing decisions, with brand image as a mediating variable at ZAP Beauty Clinic Manado. This research employs a quantitative approach using a survey method through questionnaires distributed to consumers. The data were analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM). The results indicate that E-WOM, digital marketing, and consumer trust have a positive and significant effect on both brand image and purchasing decisions. Furthermore, brand image significantly influences purchasing decisions and serves as a mediating variable in the relationship between E-WOM, digital marketing, consumer trust, and purchasing decisions. These findings highlight the importance of digital marketing strategies, online consumer reviews, and trust-building in enhancing brand image and encouraging purchasing decisions. This study contributes to the development of marketing literature and provides practical implications for the beauty clinic industry in designing effective digital marketing strategies in the digital era.
Stanss Levynna Hermien Verronica Joyce Lapian
IMPLEMENTATION OF HUMAN RESOURCE MANAGEMENT STRATEGY AT THE INVESTMENT AND ONE-STOP INTEGRATED SERVICE OFFICE FOR THE OPTIMIZATION OF REGIONAL ORIGINAL REVENUE
This study seeks to examine human resource management (HRM) strategies for enhancing local own-source revenue (PAD) at the Investment and One-Stop Integrated Service Office (DPMPTSP) in Sorong Regency, West Papua Province. Using a descriptive qualitative method, data were gathered through in-depth interviews, direct observation, and documentation involving civil servants (ASN) within the DPMPTSP context. The results show that effective coaching, training, and optimal compensation from leadership are key factors in improving the competence, motivation, and performance of civil servants, which positively impacts PAD growth. However, constraints remain, such as lack of transparency in task allocation, suboptimal compensation, and leadership styles that are less participative and innovative. The main recommendations are to increase the frequency of training and benchmarking, refine the reward and compensation system, and strengthen leadership capacity to encourage concrete contributions from civil servants to PAD enhancement. The study also emphasizes the significance of innovation in human resource management and the application of information technology to enhance organizational effectiveness. The study's limitations encompass data subjectivity and a restricted respondent pool. The findings are expected to provide both theoretical and practical contributions for developing HRM strategies in the public sector, especially in the context of improving local government revenue.
CORRELATION OF ORGANIZATIONAL COMMITMENT, WORK MOTIVATION, AND EMPLOYEE PERFORMANCE: CASE STUDY AT THE DEPARTMENT OF COMMUNICATION, INFORMATICS, STATISTICS, AND ENCRYPTION, SOUTHWEST PAPUA PROVINCE
This study aims to analyze the correlation between organizational commitment, work motivation, and employee performance at the Department of Communication, Informatics, Statistics, and Encryption of Southwest Papua Province. The research employs a quantitative approach using a survey method involving 43 employees as respondents. Data were collected through questionnaires and analyzed using statistical software. The results indicate that both organizational commitment and work motivation have a positive and significant relationship with employee performance, both partially and simultaneously. These findings highlight the importance of strengthening organizational commitment and work motivation to enhance employee performance in newly established regional government agencies. The study recommends strategies for improving internal communication, fostering commitment, and enhancing work motivation to achieve optimal organizational goals.
PERAN TRANSFORMASI DIGITAL DALAM MEMEDIASI KEPEMIMPINAN DIGITAL DAN KOMPETENSI TEKNOLOGI TERHADAP KINERJA PEGAWAI DI BADAN PUSAT STATISTIK KOTA MANADO
This study aims to examine the role of digital transformation in mediating the relationship between digital leadership and technological competence and employee performance at the Centra Statistics Agency (BPS) in Manado. This study uses a quantitative research design, with 33 employees of the Manado City Statistics Agency (BPS) serving as the research subjects. The data collection process used a saturated sampling technique, which means that every member of the population, without exception, was included in the research sample; data were collected by distributing questionnaires. The data were analyzed using Structural Equation Modeling (SEM) with SmartPLS 3.0. The results of this study indicate that Digital Leadership does not have a direct effect on Employee Performance. However, trough the mediation of Digital Transformation, Digital Leadership has a significant effect on Employee Performance. Meanwhile, technological competence whether directly through the mediation of digital transformation has a significant impact on employee performance. The results indicate that digital transformation has been shown to play a crucial role in optimizing technological competence to drive improvements in employee performance. Similarly, digital transformation has also been shown to play a crucial role in optimizing digital leadership to drive improvements ini employee performance.
INOVASI MODEL BISNIS BERKELANJUTAN DENGAN PENDEKATAN DESIGN THINKING: STUDI KASUS RITEL FESYEN KECIL ZAHRAZIZA.MFO
Zahraziza.mfo is a small Muslim fashion retailer in Surabaya that has experienced a decline in performance since 2023 despite its transition to digital sales channels. An internal business model analysis revealed misalignments between several Business Model Canvas elements namely customer segments, value proposition, channels, key activities, and key resources with post-pandemic changes in consumer behavior. This study aims to redesign Zahraziza.mfo’s business model to become more adaptive and sustainable through a Design Thinking approach. The research employs interviews, observations, and the five stages of Design Thinking, empathize, define, ideate, prototype, and test to explore customer needs and validate proposed solutions. The results are embodied in a sustainable business model prototype that focuses transformation on key leverage points of the model, specifically the value proposition, customer relationships, and channels. The prototype generates four strategic solution clusters: strengthening digital experience and trust, developing a sustainable capsule collection, implementing gradual circular economy initiatives, and refining brand identity. These solutions are designed to realign the firm’s value creation logic with customer needs and meanings. The redesigned business model is considered more aligned with internal capabilities, market expectations, and sustainability principles, thereby providing a design framework that is aligned with Zahraziza.mfo’s long-term competitiveness and performance goals. Keyword: Design Thinking, Business Model Innovation, Sustainable Business Model Innovation, Fashion Retail, Small Medium Enterprise.
PENGARUH LOKASI, HARGA, DAN KUALITAS PRODUK TERHADAP KEPUASAN KONSUMEN MELALUI NIAT BELI KONSUMEN SEBAGAI VARIABEL MEDIASI PADA CAFÉ KEDAI GARASI INSPIRASI DI LANGOWAN
ABSTRACT This study aims to analyze the influence of location, price, and product quality on customer satisfaction through purchase intention as a mediating variable at Café Kedai Garasi Inspirasi in Langowan. This study used a quantitative method with a sample of 100 respondents. Data analysis was conducted using SEM-PLS with SmartPLS software. The results showed that location and product quality did not significantly affect purchase intention, while price had a positive and significant effect on purchase intention. Purchase intention had a positive and significant effect on customer satisfaction. In mediation testing, only price significantly affected customer satisfaction through purchase intention. The conclusion of this study indicates that price is the most dominant factor in increasing purchase intention and customer satisfaction at Café Kedai Garasi Inspirasi in Langowan. Keywords: Location, Price, Product Quality, Purchase Intention, Customer Satisfaction, SEM-PLS
THE ROLE OF LEADERSHIP, COMPETENCE AND WORK MOTIVATION IN IMPROVING EMPLOYEE PERFORMANCE AT THE DEPARTMENT IN SOUTHWEST PAPUA
This study analyzes the influence of leadership and competence on employee performance, with work motivation as an intervening variable at the Department of Manpower, Transmigration, Energy, and Mineral Resources of Southwest Papua Province. The study utilizes a quantitative methodology, involving 43 civil servants chosen via purposive sampling. Data were collected using questionnaires and analyzed by multiple linear regression, path analysis, and the Sobel test. The findings indicate that leadership and competence significantly affect both work motivation and employee performance. Furthermore, work motivation is proven to significantly mediate the influence of leadership and competence on employee performance. These findings underscore the necessity of enhancing leadership quality, augmenting employee competence, and fortifying work motivation to elevate employee performance within regional government agencies. The practical implication of this research provides a reference for formulating effective human resource management policies in the public sector.
DIGITAL ENTREPRENEURSHIP PADA PETANI HORTIKULTURA: PENGARUH KUALITAS PRODUK DAN STRATEGI PEMASARAN TERHADAP PERSEPSI PENDAPATAN PETANI MELALUI PEMANFAATAN MEDIA SOSIAL (STUDI KASUS PETANI DESA AMPRENG KABUPATEN MINAHASA)
This study aims to analyze the effect of product quality and marketing strategy on farmers’ income perception through the mediating role of social media utilization within the context of digital entrepreneurship among horticultural farmers in Ampreng Village, Minahasa Regency. This research employed a quantitative approach with a survey method by distributing questionnaires to 77 respondents. Data were analyzed using path analysis and PROCESS Macro in SPSS. The results show that product quality and marketing strategy have positive and significant effects on social media utilization. In addition, product quality, marketing strategy, and social media utilization positively and significantly influence farmers’ income perception. The mediation test indicates that social media utilization mediates the effects of product quality and marketing strategy on farmers’ income perception. These findings highlight the importance of product quality improvement, effective marketing strategy implementation, and social media optimization as part of digital entrepreneurship practices to strengthen agricultural marketing performance and farmers’ income perception in the digital era.
ANALISIS STRATEGI PEMASARAN UMKM SEMBAKO DI PASAR TRADISIONAL BERSEHATI KOTA MANADO
This study aims to analyze the marketing strategies of grocery SMEs at Bersehati Traditional Market in Manado City based on the 7P marketing mix and relationship marketing approaches. This research was motivated by increasing business competition, the development of modern retail markets, changes in consumer behavior, and the importance of social relationships in traditional market trading activities. The study employed a descriptive qualitative approach to obtain an in-depth understanding of the marketing strategies implemented by grocery SMEs. The research was conducted at Bersehati Traditional Market in Manado City with 20 informants consisting of 5 main and 15 supporting informants. Data collection techniques included observation, interviews, and documentation. Data analysis used the interactive model of Miles, Huberman, and Saldaña, which includes data reduction, data display, and drawing conclusions. Data validity was ensured through source triangulation, technique triangulation, and time triangulation.The results showed that the marketing strategies of grocery SMEs at Bersehati Traditional Market are still dominated by traditional marketing approaches based on social relationships, service quality, product quality, and customer closeness. The aspects of product, price, people, and relationship marketing were found to be important factors in maintaining customer loyalty and business sustainability. In addition, interpersonal relationships, direct communication, and customer trust significantly influence SME marketing activities in traditional markets.This study concludes that the implementation of the 7P marketing mix in grocery SMEs is influenced not only by economic aspects but also by social dimensions and interpersonal relationships between sellers and customers. Therefore, strengthening relationship-based marketing strategies is an important factor in improving the competitiveness and sustainability of grocery SMEs in traditional markets.
PENGARUH KOMITE AUDIT DAN AUDIT INTERNAL TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN PERTAMBAGAN DI BURSA EFEK INDONESIA PERIODE 2021-2024
Abstract. In the high-risk mining industry, effective internal oversight is essential to maintain integrity and enhance financial performance. This study aims to analyze the influence of the audit committee and internal audit on the financial performance of mining companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2024 period. The research employs a quantitative approach using secondary data from 13 companies, selected through purposive sampling. Multiple linear regression was used to assess the impact on financial performance indicators: Return on Assets (ROA) and Return on Equity (ROE). The results show that the audit committee has a moderate positive influence on financial performance, with a coefficient of 0.423, while internal audit has a weak positive effect, with a coefficient of 0.113. The Adjusted R² value of 0.051 indicates that the independent variables explain only a small portion of the variation in financial performance. These findings highlight the need to strengthen internal audit functions and enhance the role of audit committees to improve corporate financial outcomes. Abstrak. Dalam industri pertambangan yang berisiko tinggi, pengawasan internal yang efektif sangat penting untuk menjaga integritas dan meningkatkan kinerja keuangan perusahaan. Penelitian ini bertujuan untuk menganalisis pengaruh komite audit dan audit internal terhadap kinerja keuangan perusahaan pertambangan yang terdaftar di Bursa Efek Indonesia (BEI) pada periode 2021–2024. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan 13 perusahaan, menggunakan teknik purposive sampling. Analisis dilakukan dengan regresi linier berganda terhadap indikator kinerja keuangan berupa Return on Assets (ROA) dan Return on Equity (ROE). Hasil penelitian menunjukkan bahwa komite audit berpengaruh positif sedang terhadap kinerja keuangan dengan koefisien 0,423, sedangkan audit internal memberikan pengaruh positif lemah dengan koefisien 0,113. Nilai Adjusted R² sebesar 0,051 mengindikasikan bahwa variabel bebas hanya menjelaskan sebagian kecil variasi kinerja keuangan. Temuan ini menggarisbawahi pentingnya penguatan fungsi audit internal dan peningkatan efektivitas komite audit dalam mendukung kinerja keuangan perusahaan.
THE IMPACT OF WORK DISCIPLINE AND MOTIVATION ON SERVICE PERFORMANCE: WORK ETHIC AS A MODERATOR IN THE AGRICULTURAL OFFICE OF TAMBRAUW REGENCY
This study aims to analyze the influence of work discipline and work motivation on service performance, with work ethic as a moderating variable, among employees at the Department of Agriculture, Tambrauw Regency. A quantitative research methodology was employed to gather data from all 60 employees via questionnaires, interviews, and documentation. The results indicate that both work discipline and motivation have a significant positive effect on service performance, both partially and simultaneously. Moreover, work ethic is found to strengthen the relationship between work discipline and service performance but does not significantly moderate the relationship between work motivation and service performance. The findings highlight that work motivation is the dominant factor affecting service performance. These results suggest that improving service performance at the Department of Agriculture requires a balanced strategy that enhances both work motivation and discipline, supported by strong work ethics. The study recommends the implementation of motivational programs, enforcement of discipline policies, and cultivation of organizational values that foster integrity and responsibility among employees to achieve optimal service quality.
PENGARUH DIGITAL TRUST, ISLAMIC FINANCIAL LITERACY, DAN SERVICE EXPERIENCE TERHADAP KEPUTUSAN PEMBELIAN PADA PRODUK CICIL EMAS DAN GADAI EMAS DI BANK SYARIAH INDONESIA KANTOR CABANG MANADO MANTOS
The increase in gold prices over the past year has contributed to a growing public interest in investment, in line with government policies through the establishment of a Gold Bank. As the first gold bank in Indonesia, Bank Syariah Indonesia provides comprehensive services, ranging from trading and sales to gold custody. In this context, this study aims to analyze the influence of Digital Trust, Islamic Financial Literacy, and Service Experience on purchase decisions for Gold Installment and Gold Pawn products at Bank Syariah Indonesia, Manado Mantos Branch Office. The sample was determined using a purposive sampling technique, with a population of 829 customers, and based on the Slovin formula, 89 respondents were selected as the research sample. This study employed a quantitative approach with analytical techniques including validity testing, reliability testing, classical assumption testing, hypothesis testing, and multiple linear regression analysis. The results indicate that simultaneously, Digital Trust, Islamic Financial Literacy, and Service Experience have a significant effect on purchase decisions. Partially, each of these variables also has a positive and significant influence on purchase decisions. This study contributes theoretically by enriching the literature on consumer behavior in Islamic banking and practically serves as a reference for Bank Syariah Indonesia in enhancing digital trust, Islamic financial literacy, and service experience quality to encourage customers’ purchase decisions for gold products.
PENGARUH REMINDER WHATSAPP TERHADAP KEPATUHAN KONTROL PASIEN DI RUMAH SAKIT SWASTA
Abstract. This study used an analytical observational design with a prospective cohort approach on 174 outpatients at a private hospital in Jakarta from January to March 2026. The analysis results showed that WhatsApp reminders had a significant effect in increasing patient compliance (p = 0.004, RR = 0.727) and were the most dominant factor (p = 0.007, OR = 2.55) compared to education level (p = 0.012) and age (p = 0.012). Meanwhile, gender was found to be insignificant (p = 0.592). The study concluded that WhatsApp-based reminders are a practical, effective, and efficient digital health (mHealth) strategy to improve the quality of healthcare services. Abstrak. Studi ini menggunakan desain observasional analitik dengan pendekatan kohort prospektif terhadap 174 pasien rawat jalan di sebuah rumah sakit swasta di Jakarta dari Januari hingga Maret 2026. Hasil analisis menunjukkan bahwa pengingat WhatsApp memiliki pengaruh signifikan dalam meningkatkan kepatuhan pasien (p = 0.004, RR = 0.727) dan menjadi faktor yang paling dominan (p = 0.007, OR = 2.55) dibandingkan variabel tingkat pendidikan (p = 0.012) dan usia (p = 0.012). Sementara itu, faktor jenis kelamin ditemukan tidak signifikan (p = 0.592). Penelitian menyimpulkan bahwa pengingat berbasis WhatsApp merupakan strategi kesehatan digital (mHealth) yang praktis, efektif, dan efisien untuk meningkatkan mutu pelayanan kesehatan.
MANAJEMEN SUMBER DAYA MANUSIA TENAGA ADMINISTRASI FAKULTAS DALAM MENDUKUNG EFEKTIVITAS LAYANAN AKADEMIK: STUDI KUALITATIF PADA UIN IMAM BONJOL PADANG
The effectiveness of academic services in higher education is shaped not only by administrative procedures but also by the quality of human resource management behind those procedures. This article analyzes human resource management among administrative staff at the Faculty of Adab and Humanities, UIN Imam Bonjol Padang, by positioning document handling as a work context rather than the main object of inquiry. The study employed a descriptive qualitative approach using interviews, observation, and documentation. Informants were selected through purposive and snowball techniques, involving administrative leaders, administrative staff, and service users. Data were analyzed through reduction, display, conclusion drawing, and source triangulation. The findings reveal five core issues: partial mismatch between educational background and job competency requirements, limited continuous technical training, increased administrative workload due to manual work systems, suboptimal work facilities, and the need for competency-based HR planning. The study indicates that administrative service problems should be interpreted as issues of job design, competency development, and organizational support. The article proposes a human resource management model consisting of competency mapping, continuous training, workload redesign, digital work support, and measurable service performance indicators.
THE POWER OF PSYCHOLOGICAL CONGRUENCE IN DRIVING IMPULSE BUYING ON SOCIAL PLATFORMS
This study examined the influence of self-congruence—both consumer–product and consumer–influencer congruence—on online impulse buying intention (OIBI), with consumer confidence as a mediating variable. A total of 239 Indonesian social commerce users participated in the survey, and the data were analyzed using PLS-SEM. The findings showed that both consumer–product and influencer–product congruence significantly affected OIBI, while consumer confidence did not act as a significant mediator. Interestingly, consumer–influencer congruence only influenced impulse buying through confidence, not directly. These results suggested that symbolic fit with influencers and products played a stronger role in impulsive buying than internal confidence.