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Showing 362 articles found for "Expected"

The Role of Service Innovation and Service Quality in Improving Customer Satisfaction

Firmansyah, Destya Salsabila, Firmansyah, Yayan
Abstract: This research had the objective to determine the impact of innovation on service and service quality on customer satisfaction at the Baleendah Customer Service Unit of PT PLN (Persero). A causal quantitative method was employed.… mployed. A sample of 125 respondents, all of whom had experienced service innovation, was selected for this study. The analysis was conducted using SmartPLS software, employing validity, reliability, and hypothesis tests to examine the data. The findings of this research indicate that the service innovation variable has a significant direct impact on the expected variable with a value of 0.036. Additionally, both service innovation and service quality significantly influence the customer satisfaction variable at the Baleendah Customer Service Unit of PT PLN (Persero), with an indirect effect of 0.173.

Digital Payment Usage and Financial Management Behavior: Evidence from Management Students at FEB UNM

Anwar
Abstract: The rapid development of financial technology has transformed the way university students conduct daily financial transactions. Digital payment systems offer convenience, speed, and accessibility; however, their use may… also influence students’ financial management behavior. This study aims to analyze the relationship between digital payment usage and financial management behavior among Management students at the Faculty of Economics and Business, Universitas Negeri Makassar (FEB UNM). The study focuses on how the frequency, ease of use, perceived usefulness, and security of digital payment services contribute to students’ ability to manage expenses, control spending, plan budgets, and make financial decisions. This research employs a quantitative approach by collecting data through questionnaires distributed to Management students. The data are analyzed to identify the influence of digital payment usage on students’ financial behavior. The findings are expected to provide empirical evidence that digital payment usage can affect students’ financial habits, particularly in terms of spending control, budgeting discipline, and transaction awareness. This study contributes to the literature on digital finance and student financial behavior by highlighting the importance of responsible digital payment adoption. Practically, the results may provide insights for universities, students, and financial service providers in promoting financial literacy and healthier financial management practices in the digital era.

The Effect of Product Placement and Brand Awareness on Purchase Intention With Brand Image As a Moderating Variable

Nuraulia, Willma Petir, Asnawi, Nur
Abstract: This study aims to analyze the influence of product placement and brand awareness on purchase intention, with brand image as a moderating variable among Korean drama viewers in Malang City. This study uses a quantitative… approach with an associative research type. The sampling technique used purposive sampling with a total of 140 respondents who have watched Korean dramas and seen Kopiko products in Korean dramas. Data collection was conducted through an online questionnaire using a five-point Likert scale, while data analysis used the Structural Equation Modeling (SEM) method based on Partial Least Square (PLS) with the help of SmartPLS. The results show that product placement and brand awareness have a positive and significant effect on purchase intention. In addition, brand image is able to moderate the relationship between product placement and purchase intention, but is unable to moderate the relationship between brand awareness and purchase intention. The results of this study indicate that Kopiko product placement in Korean dramas and high brand awareness can increase consumer purchasing interest. This study is expected to be a reference for companies in developing marketing strategies through entertainment media and building a positive brand image to increase consumer purchase intention.

The Effect Of The Utaut3 Construct On The Interest Of MSMEs In Using The Bank Syariah Indonesia QRIS Payment System With Trust, And Ease Of Use As A Mediation Variable

Nurdin, Prabu, Soetjipto, Budi Eko, Churiyah, Madziatul
Abstract: The development of financial technology has encouraged the transformation of the digital payment system in Indonesia, one of which is through the implementation of the Quick Response Code Indonesian Standard (QRIS) developed… oped by Bank Indonesia to integrate various QR code-based payment services. This payment system is expected to be able to improve transaction efficiency, speed up the payment process, and expand financial inclusion for Micro, Small, and Medium Enterprises (MSMEs). However, the adoption rate of digital payment technology in the MSME sector still faces various challenges, both related to technological aspects, user psychological factors, and the influence of the social environment. This study aims to systematically examine the influence of constructs in the Unified Theory of Acceptance and Use of Technology (UTAUT3) on the interest of MSMEs in using the QRIS payment system at Bank Syariah Indonesia with trust and perceived ease of use as mediation variables. The research method used is Systematic Literature Review (SLR) with the PRISMA approach to identify, select, and analyze relevant scientific articles in the 2020–2025 period. The literature search process produced 2,395 articles from a database of reputable scientific journals, then an elimination process was carried out based on inclusion and exclusion criteria so that 71 articles were obtained that were eligible for further analysis. The study stages were carried out systematically through the process of identification, screening, feasibility assessment, and determination of final articles. The results of the study show that the main constructs in the technology acceptance model such as performance expectancy, effort expectancy, social influence, and facilitating conditions have an important influence on interest in using digital payment technology. In addition, additional factors such as trust and perceived ease of use have been proven to act as mediating variables that strengthen the relationship between technology construct and the intention to use QRIS by MSME actors. Trust in system security and ease of use of technology are crucial factors in increasing user confidence in digital payment services, especially in the context of Islamic banking-based financial services. The findings of this study provide a theoretical contribution to the development of a digital payment technology acceptance model based on UTAUT3 and provide practical implications for financial institutions and regulators in increasing the adoption of QRIS among MSME actors. The next research is suggested to develop an empirical model with a quantitative approach to test the relationship between variables more comprehensively in the context of the digital economy in Indonesia.

Analysis of The Effect International Prices, Exchange Rates, Non-Tarif Measures, and Import Volume On The Export Value Of Indonesian Cloves (Hs:0907) To India

Jonathan, Krisna Adi, Oktafia, Renny
Abstract: This study aims to analyze the influence of international prices, the rupiah–rupee exchange rate, non-tariff measures, and India’s import volume on the export value of Indonesian cloves to India. The research utilizes secondary… s secondary data for the period 2015–2024. The analytical method employed is the Autoregressive Distributed Lag (ARDL) model to examine both short-run and long-run relationships, complemented by stationarity tests, cointegration tests, ECM estimation, and diagnostic and stability tests. The results show that international prices have a positive and significant effect on Indonesia’s clove export value, consistent with export-supply theory which states that higher global prices increase export incentives. The rupiah–rupee exchange rate displays a positive but insignificant relationship, indicating that exchange rate volatility is not sufficiently strong to influence changes in export value. Non-tariff measures, including SPS and TBT standards, are found to have a significant effect, reflecting the role of regulations in increasing compliance costs while simultaneously enhancing Indian consumer confidence in the quality of Indonesian cloves. India’s import volume also has a significant influence, showing that India’s domestic demand remains a major driver of Indonesia’s export value during the study period. This study is expected to provide insights for policymakers and industry players in strengthening trade strategies, particularly in enhancing the competitiveness of Indonesian clove exports through quality improvements, exchange rate stability, and compliance with non-tariff standards.

The Role of Strategy Agility as a Mediation Variable is Reviewed with Human Capital and Absorptive Capacity in Influencing the Performance of PT Bank Sumut Kampung Lalang Branch Office

Simbolon, Rudi Ardi Anugrah, Absah, Yeni, Lumbanraja, Prihatin
Abstract: This study aims to analyze the role of strategy agility as a mediating variable in the relationship between human capital, absorptive capacity, and performance of PT Bank Sumut Kampung Lalang Branch Office. The method used… ed was a quantitative approach with data collection through questionnaires distributed to 49 respondents. The results of the study show that human capital and absorptive capacity have a positive and significant effect on company performance. In addition, human capital and absorptive capacity also have a positive effect on strategic agility. Strategy agility has been proven to be able to mediate the relationship between human capital and absorptive capacity to company performance. These findings emphasize the importance of human resource management and the organization's ability to absorb new knowledge to improve performance in the competitive banking industry. This research is expected to provide insight for management in formulating more effective strategies to improve the Company's performance.

Analysis of Production Optimization Strategy to Increase The Capacity of Kamumu Kimpul Chips at UD. Sona Gunungsitoli Idanoi

Harefa, Yantonius, Kakisina, Sophia Molinda, Gea, Jeliswan Berkat Iman Jaya, Mendrofa, Martha Surya Dinata
Abstract: The fast food industry continues to grow as the public's need for practical products, including Kamumu Kimpul chips, increases. However, small business actors such as UD. Sona in Gunungsitoli Idanoi faces obstacles in production… oduction due to the use of traditional methods, limited equipment, and lack of optimal management. This condition has an impact on delays in meeting demand, increasing production costs, and declining competitiveness. Therefore, a production optimization strategy is needed to improve product capacity, efficiency, and quality. This study aims to analyze the production optimization strategy implemented by UD. Sona, formulate a capacity building strategy, as well as identify obstacles and solutions that can be done. The results of the research are expected to be practically useful for business actors in production management, as well as make a theoretical contribution to the development of production management science in MSMEs. The research method uses a descriptive qualitative approach. Data was obtained through interviews with owners, employees, and customers, supplemented by observation and documentation. Data analysis is carried out through reduction, presentation, and inductive conclusions, so as to be able to describe the real conditions of the business and develop the right optimization strategy. The results of the study show that UD. Sona has made efforts such as setting up production flows and scheduling planning. However, limited machinery, unstable supply of raw materials, and marketing that has not been maximized are still obstacles. Consumers rate the product as good quality, but its availability has not been consistent. Suggested strategies include the implementation of lean production, improvement of inventory management, and the use of production technology

The Influence of Financial Literacy and Lifestyle on Financial Behavior of Generation Z in Makassar City in 2024

Ramli, Anwar, Aslam, Annisa Paramaswary, Anwar, Indah Lestari
Abstract: This study aims to analyze the influence of financial literacy on financial behavior and the influence of financial literacy on financial behavior with lifestyle as a moderating variable in generation Z in Makassar City… in 2024. This research method uses a descriptive quantitative approach, which aims to analyze the influence of financial literacy and lifestyle on the financial behavior of generation Z in Makassar City in 2024. The variables analyzed are Financial Literacy, Lifestyle, and Financial Behavior. The data used in this study are primary data in the form of questionnaires and secondary data in the form of financial data. The population in this study is all generation Z in Makassar City. The sample of this study is generation Z in Makassar City with an age range of 18-27 years. The results of the study indicate that Financial Literacy has a significant influence on Financial Behavior in Generation Z in Makassar City. Thus, it is expected to provide practical recommendations for generation Z in managing finances and assist local government policies in improving financial literacy among youth. In addition, this research will be published in the form of a Sinta-accredited national journal to provide deeper insight into how financial literacy and lifestyle influence the financial behavior of Generation Z in Makassar.

Optimization of Teak Wood Raw Material Inventory Using The EOQ Method at UD Gemilang, Gunungsitoli City

Hulu, Ronald Berkat Yustin, Mendrofa, Martha Surya Dinata, Kakisina, Sophia Molinda, Gea, Jeliswan Berkat Iman Jaya
Abstract: This study highlights the problem of managing teak wood raw materials in the form of boards at UD Gemilang, Gunungsitoli City. The company often experiences shortages or excess inventory due to a conventional ordering system… stem that is not based on optimal demand calculations. This inefficiency causes wasteful costs and disrupts the smooth production process. The main objective of this study is to analyze current inventory management and apply the EOQ (Economic Order Quantity) method to determine the optimal order quantity, as well as evaluate its impact on cost efficiency and production operations. The EOQ method is expected to be a systematic and rational solution for managing inventory more efficiently. This study uses a descriptive quantitative approach. Data were collected through direct interviews with business owners and documentation of raw material purchasing and usage reports for 2024. The analysis was conducted using the EOQ formula to calculate the optimal order quantity, ordering costs, storage costs, safety stock, reorder point, and total inventory cost (TIC). The analysis results show that the optimal order quantity for teak wood raw materials is 282 boards, with an ordering frequency of 6 times a year. This number is more efficient than the actual ordering system which is carried out monthly without a fixed calculation. The recommended safety stock is 22 boards, with a Reorder Point (ROP) of 36 boards. The implementation of the EOQ method successfully reduced total inventory costs from Rp6,768,000 to Rp3,496,800.

Analysis of Human Resource Planning in Facing Challenges in The Digital Era at State Vocational School 2 Gunungsitoli, Gunungsitoli City

Mendrofa, Jepi Masa, Zega, Yamolala, Gulo, Heniwati, Waruwu, Robin Markus Putra
Abstract: This study aims to analyze human resource (HR) management planning, identify obstacles, and formulate efforts to support the digitalization of school management. The study used a qualitative descriptive approach with in-depth… depth interviews, observation, and documentation techniques with the principal, vice principal, teachers, and administrative staff. The results showed that HR planning at SMK Negeri 2 Gunungsitoli was carried out through three main steps: (1) needs analysis and preparation of technology-based teacher formation, (2) competency mapping and identification of information and communication technology (ICT) training needs, and (3) empowerment of teachers and staff through workshops, mentoring, and discussion forums. Obstacles faced included limited digital literacy among teachers and staff, unequal network access, and resistance to changes in technology-based learning methods. Efforts made by the school included providing digital literacy training, optimizing available devices and networks, utilizing offline learning applications, and creating a work culture that is adaptive to innovation. This study concluded that targeted HR planning, infrastructure support, and continuous competency development are important factors in realizing effective digital transformation in schools. These findings are expected to be useful for SMK Negeri 2 Gunungsitoli, other educational institutions, and further researchers in developing digitalization strategies for school management.