Abstract:This research is motivated by the importance of building and maintaining customer loyalty at the Botani Bina Rahmah Sharia Rural Financing Bank (BPRS), a financial institution that plays a strategic role in strengthening…
the sharia-based economy and promoting financial inclusion at the micro level. The phenomenon of increasing account openings without a corresponding increase in customer retention indicates challenges in managing long-term relationships with customers. Trust and commitment are believed to be important factors in creating loyalty, but the effectiveness of both is often influenced by the level of customer satisfaction. Therefore, this study was conducted to analyze satisfaction as a mediating variable in the relationship between trust and commitment and customer loyalty. This study aims to analyze: (1) the effect of trust on customer loyalty, (2) the effect of commitment on customer loyalty, (3) the effect of trust on loyalty through customer satisfaction as a mediating variable, and (4) the effect of commitment on loyalty through customer satisfaction as a mediating variable. The research approach used is quantitative with a cross-sectional design. Data were collected by distributing Likert-scale questionnaires to 100 active customer respondents of BPRS Botani Bina Rahmah. Data analysis was carried out using Structural Equation Modeling–Partial Least Squares (SEM–PLS) with the help of SmartPLS software to test the validity and reliability of constructs and the relationships between variables in the structural model. The results of the study indicate that trust has a positive and significant effect on customer loyalty, while commitment does not have a significant direct effect on loyalty. Customer satisfaction is proven to act as a significant mediating variable in the relationship between trust and loyalty, as well as between commitment and loyalty. These findings confirm that BPRS customer loyalty is more influenced by the level of trust and satisfaction built through service quality and conformity to Sharia values. Practically, BPRS management needs to strengthen contract transparency, improve service consistency, and optimize digital channels to strengthen trust, increase satisfaction, and ultimately encourage sustainable customer loyalty.
Abstract:This study aims to analyze the effect of Human Resource Accounting (HRAC) disclosure on firm value, with financial performance as a mediating variable. This quantitative study uses secondary data in the form of annual reports…
ports and sustainability reports from 14 companies during the 2020–2024 period, with a total of 70 observations. HRAC disclosure is measured using the Human Resource Disclosure Index through a content analysis approach. Firm value is proxied by Net Asset Value (NAV) transformed into the natural logarithm, while financial performance is measured using ROA. Data analysis was performed using path analysis with SPSS software, and the Sobel test to examine the role of financial performance as a mediating variable. The results show that HRAC disclosure affects firm financial performance, but does not directly affect firm value. Financial performance is proven to affect firm value in a negative direction. The results of the Sobel test indicate that financial performance plays a significant role as a mediating variable in the relationship between HRAC disclosure and firm value. These findings indicate that HRAC disclosure affects firm value indirectly through financial performance. ASDM disclosure functions as supporting information and additional signals for investors, but is not yet able to become the main determinant in the direct formation of company value.
Abstract:This study examines the effects of Mindset, Togetherness, and Result Oriented on Employee Performance, with Employee Engagement as a mediating variable, in BPR Syariah PNM Mentari. The research is conducted in a micro–Islamic…
Islamic banking context that emphasizes efficiency, service quality, and regulatory compliance, and aims to clarify the contribution of these behavioral and organizational constructs to employee outcomes. A quantitative survey design was used, with data gathered via a structured questionnaire that operationalized the constructs. The data were analyzed using partial least squares structural equation modeling (PLS-SEM) to test direct and indirect relationships. The results reveal that (1) Result Oriented has a positive and significant effect on Employee Performance, confirming that goal clarity and disciplined execution lead to better performance; (2) Mindset does not have a direct effect on performance, but its effect through Employee Engagement is significant, indicating that Mindset influences performance only when employees are engaged; (3) Employee Engagement mediates the effect of Result Oriented on performance, improving execution; and (4) Togetherness has no direct or indirect effect on performance, suggesting that collaboration alone does not drive performance without clear goals and engagement.
Abstract:This study aims to analyze the role of consumer trust in mediating the effects of affiliate marketing and online customer ratings on purchase decisions for fashion products among Shopee users in Surabaya. A quantitative…
approach was used in this research, with data collected through questionnaires from 100 Shopee users in Surabaya. The data analysis was conducted using the Partial Least Squares (PLS) method to examine the direct and mediating relationships between the variables: affiliate marketing, online customer ratings, consumer trust, and purchase decisions. Validity and reliability tests of the instruments were also performed to ensure the accuracy of the variable measurements in this research model.The findings indicate that affiliate marketing does not significantly drive consumer purchase decisions. However, consumer trust plays a key role in mediating the relationship between affiliate marketing and purchase decisions. Without trust, affiliate marketing promotions have limited influence. Additionally, online customer ratings positively influence purchase decisions, and consumer trust is crucial in mediating the relationship between online customer ratings and purchase decisions. Positive ratings from other customers enhance trust in both the product and the seller.
Abstract:This research aims to examine and analyze the influence of brand image on the purchasing decisions of students at the Faculty of Economics, Nias University, in the context of online shopping. The background of this study…
stems from the rapid growth of e-commerce in Indonesia, which has significantly changed consumer shopping behavior, particularly among students who are highly adaptive to digital technology. In online shopping situations, where consumers cannot physically assess the product, brand image becomes one of the main factors influencing consumer trust, perceived quality, and confidence in making purchasing decisions. The type of research employed is quantitative research with a survey approach. The study population consisted of 1,959 active students of the Faculty of Economics, Nias University, with a sample of 95 respondents determined using the Slovin formula. Data were collected using a Likert-scale questionnaire covering brand image indicators (strength, favorability, and uniqueness of brand association) as well as purchasing decision indicators (problem recognition, information search, evaluation of alternatives, purchase decision, and post-purchase behavior). The data were analyzed using validity and reliability tests, simple linear regression analysis, t-test, and determination test with the aid of SPSS software. The results of the study indicate that brand image has a positive and significant effect on students' purchasing decisions in online shopping. This finding implies that the stronger the brand image, the higher the tendency of students to make online purchases. Therefore, companies or online businesses need to develop and strengthen their brand image through consistent marketing communication strategies, clear product information, and credible brand reputation to increase consumer loyalty and purchase intention.
Abstract:This study aims to analyze the effect of work engagement on employee performance, to analyze the effect of work environment on employee performance, to analyze the effect of work engagement on employee performance through…
h job satisfaction, and to analyze the effect of work environment on employee performance through job satisfaction. The research method uses a quantitative approach with the population consisting of all employees of PT. Kiat Ananda Group, totaling 80 people. The sample for this study used a census technique, where the entire population was included as the sample. Data processing and analysis were performed using the Partial Least Square (PLS) method with the SmartPLS 3.0 software to test the relationships between variables. The results indicate that work engagement and work environment have a positive effect on employee performance. Moreover, job satisfaction was found to significantly mediate the effects of work engagement and work environment on employee performance. These findings suggest that improving employee performance can be achieved through enhancing work engagement and a conducive work environment, supported by high levels of job satisfaction
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.
Abstract:This study aims to determine the Effect of Raw Material Inventory Management on Work Productivity of PT. KSS (Karunia Sejahtera Sejati) Nias Branch. The research method used is a quantitative approach. The sample in this…
study amounted to 31 respondents. Data collection techniques were carried out through the distribution of questionnaires and documentation. Data analysis techniques used simple linear regression analysis, classical assumption tests, coefficient of determination tests and t-tests with the help of the SPSS version 25 statistical application. The R2 Determination Test that has been carried out obtained the result that the R2 value is 0.620. This shows that the Raw Material Inventory Management variable (X) can explain Work Productivity (Y) by 62%, while the remaining 38% is explained by other factors not covered in this study. Based on the data analysis, it shows that simultaneously the Raw Material Inventory Management variable has a positive and significant effect on Work Productivity with a significance of 0.000 <0.05 and the T-value obtained is 6.877> 1.696 so that it can be concluded that Ha is accepted and has an effect on the dependent variable of Work Productivity (Y). The conclusion of this study is that the Raw Material Inventory Management variable partially or simultaneously has an effect on Work Productivity and it is recommended that PT. KSS (Karunia Sejahtera Sejati) provide increased competency and understanding of employees regarding inventory management that is very necessary so that they are able to carry out their tasks more efficiently and effectively, so that work productivity increases. Periodic training and socialization regarding inventory management and its relationship to work productivity must continue to be carried out.
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.
Abstract:This research is based on the imbalance between demand and supply that often occurs in the consumer goods market in Makassar, which causes price changes and market instability. This study is unique in a local context by…
emphasizing the real interaction between demand and supply as a factor that affects the market balance at the regional level. The purpose of this study is to investigate the impact of demand and supply on the balance of the consumer goods market in Makassar. This study adopts a quantitative approach by using primary data from 250 respondents, consisting of 200 consumers and 50 traders with questions using a five-point Likert scale. Data analysis is carried out with multiple linear regression using SPSS version 25, as well as involving validity testing, reliability and classic assumption testing. Research findings show that the demand and supply variables have a positive and significant effect on the market balance with an Adjusted R² of 0.285. Together, the two variables explain 28.5% variation in market balance. This result shows that the increase in demand and the availability of the supply of consumer goods are the key to maintaining price stability in the local market.