Publication Search

This study aims to analyze the influence of the lifestyle of credit relationship managers (RMs) and the potential for fraud on the occurrence of non-performing loans in the banking sector. Relationship managers are the spearheads of credit distribution, interacting directly with customers, so their behavior, lifestyle, and integrity have a significant impact on the quality of a bank's credit portfolio. This study uses a qualitative descriptive method with a systematic literature review approach, reviewing various recent studies related to bank employee lifestyles, factors driving fraud, and their correlation with non-performing loans. The results indicate that a consumptive lifestyle disproportionate to income can increase the risk of fraudulent behavior, such as manipulation of credit analysis or collusion with customers, which ultimately results in an increase in non-performing loans. Furthermore, weak internal control systems, pressure to achieve credit targets, and moral hazard exacerbate this risk. A lifestyle that prioritizes social symbols and self-image can also encourage employees to engage in deviant behavior to maintain this lifestyle. Several studies have shown that RMs trapped in a hedonistic lifestyle are more vulnerable to conflicts of interest and violations of professional ethics. Meanwhile, the potential for fraud in banking practices is also influenced by employees' weak personal financial literacy, as well as limited training in risk management and ongoing work ethics. In an organizational context, a work culture oriented toward achieving targets without regard for the quality of credit analysis has the potential to create a work climate that is permissive of irregularities. This study recommends strengthening a culture of integrity through the establishment of a firm code of ethics, technology-based supervision (such as an AI-based fraud detection system), and regular training on a healthy financial lifestyle and risk management for RMs.

This study examines the influence of store atmosphere, service quality, word of mouth (WOM), and price perception on consumer purchasing decisions at Cahya Busana's Canggu branch, a local Balinese MSME specializing in high-quality traditional Balinese clothing for men, women, and children. With an increasing demand for traditional attire, understanding the factors that influence consumer decisions is vital for business growth. The study targeted consumers who had purchased traditional clothing at the Canggu branch, using non-probability sampling to select 110 respondents. The data analysis was conducted through multiple linear regression, assisted by SPSS software, to evaluate the relationship between the independent variables (store atmosphere, service quality, WOM, and price perception) and the dependent variable (consumer purchase decisions). The findings indicate that all four factors—store atmosphere, service quality, WOM, and price perception—positively and significantly impact consumers’ purchasing decisions. Specifically, a pleasant store atmosphere, high-quality service, positive word-of-mouth recommendations, and favorable price perception were found to enhance consumers' likelihood of purchasing traditional Balinese clothing. The results suggest that MSMEs, particularly in the traditional clothing sector, can leverage these factors to boost consumer confidence and drive sales. This study contributes valuable insights for businesses aiming to improve their purchasing processes by focusing on these key variables to increase consumer satisfaction and decision-making. By understanding these influences, Cahya Busana and similar businesses can optimize their strategies to attract and retain customers, ultimately improving their market position.

This study aims to examine the relationship between a company's value (firm value) and three key variables: environmental performance, capital structure, and management ownership. The research focuses on companies listed on the Indonesia Stock Exchange during the period from 2022 to 2024. The objective is to understand how these internal and external factors contribute to shaping a company’s market valuation and overall financial health. Using a panel data regression analysis with a fixed effect model, the study provides empirical evidence based on secondary data drawn from company financial reports and sustainability disclosures. The results indicate that capital structure, measured by the proportion of debt to equity, has a significant negative impact on firm value. In contrast, both environmental performance and the proportion of shares owned by management have a positive and significant effect on firm value. These findings suggest that while excessive debt may erode investor confidence and reduce a firm's valuation, strong environmental commitments and management ownership foster positive perceptions in the eyes of stakeholders, including investors and customers. Theoretically, this research supports stakeholder and agency theories by highlighting how internal governance and ethical responsibility play a role in corporate success. Pragmatically, the results offer important insights for companies, especially in emerging markets like Indonesia, to align sustainability and ownership strategies with financial management to boost firm value. Companies are encouraged to optimize their capital structures, strengthen their environmental reporting practices, and promote management ownership as a way to align interests and enhance long-term performance. Overall, this study contributes to the literature on corporate governance and sustainability by providing current, context-specific evidence relevant to stakeholders in the Indonesian capital market.

In the rapidly evolving digital era, data breaches have emerged as a serious threat, particularly in the e-commerce sector which handles vast amounts of customers’ personal data. The protection of personal data has therefore become a crucial issue, requiring effective regulation to ensure digital privacy. In response to this growing concern, Indonesia enacted the Personal Data Protection Law (UU PDP) in 2022 as a significant step toward strengthening digital privacy and security. This study aims to evaluate the effectiveness of the 2022 PDP Law in addressing customer data breach incidents on e-commerce platforms in Indonesia. Using a qualitative approach and case study method, this research analyzes several high-profile data breach cases involving major e-commerce companies in the country. The findings indicate that, although the PDP Law has established a clear legal framework regarding the obligations of reporting and managing data breaches, its implementation still faces multiple challenges. Some companies have not fully complied with the legal timeframes for notifying users, and there is a general lack of transparency in how data breach incidents are managed. These shortcomings reveal a gap between the regulatory framework and practical enforcement in the field. Furthermore, the study highlights the limited public awareness and the insufficient preparedness of some companies in responding to data security incidents in accordance with the law. As a result, the rights of consumers to be informed and protected are not always upheld effectively. This research recommends stronger supervision by relevant authorities to ensure stricter enforcement of the PDP Law. It also underscores the need for ongoing education and intensive training for e-commerce companies to enhance their capacity to prevent, detect, and respond to data breaches in compliance with the legal standards. By reinforcing regulatory implementation and organizational readiness, Indonesia can better safeguard digital consumer rights in the growing e-commerce landscape.

This study aims to analyze the level of customer satisfaction with the services provided at Meazza Futsal Denpasar. Using a descriptive quantitative approach with survey methods, the research involved 100 consumers as the population, all of whom also constituted the sample through accidental sampling. Data collection was carried out using two instruments: a closed-ended questionnaire with five answer choices and an interview guide. The questionnaire was distributed to 100 respondents who were willing to participate. The data were then analyzed using a quantitative descriptive technique with percentage calculations. The results showed that customer satisfaction levels in terms of service quality at Meazza Futsal Denpasar are generally categorized as very satisfied. Specifically, the satisfaction indicators included reliability (52%), responsiveness (42%), assurance (48%), and empathy (50%), with reliability and empathy being the highest contributors to satisfaction. These findings indicate that customers perceive the services provided by Meazza Futsal as meeting or exceeding expectations across most service dimensions. The implication of this study is that the management of Meazza Futsal should continue maintaining the quality of its services while also seeking opportunities for improvement, especially in areas such as responsiveness, to ensure consistent customer satisfaction. Overall, this research reinforces the importance of regular service evaluation and customer feedback in maintaining a competitive advantage in the sports service industry. In addition, this study can serve as a valuable reference for other similar businesses aiming to enhance their service quality. Future researchers are encouraged to examine broader variables such as pricing strategy, facility maintenance, and customer engagement to obtain a more comprehensive understanding of factors influencing customer satisfaction in the sports service sector.

The purpose of the study was to determine the effect of brand image and promotion on customer loyalty at Split Espresso Coffee Shop, Blitar City. The research method chosen was quantitative descriptive, with a research sample of 100 respondents. Sampling used a purposive sampling technique that met the criteria as Split Espresso Coffee Shop customers in Blitar City who had visited twice or more. The results of the study showed that the brand image variable had a significant value of 0.000 <0.05, which means that partially brand image had an effect on customer loyalty, the promotion variable had a significant value of 0.707> 0.05, and partially promotion had no effect on customer loyalty. The results of the simultaneous test of significant value 0.000 <0.05, which means that all variables simultaneously affect customer loyalty at Split Espresso Coffee Shop, Blitar City.

Digitalization has been a key catalyst for change in the global business landscape, driving the transformation of companies' strategies, organizational structures, and operational models. For small and medium enterprises (SMEs), digital technology opens up great opportunities to expand market reach and compete in the international arena more effectively. Technologies such as e-commerce, social media, big data analytics, and cloud-based platforms enable SMEs to break through geographical boundaries, facilitate access to global customers, and accelerate product distribution and marketing processes. This paper explores the current academic literature that discusses the influence of digital technology on the internationalization of SMEs. A total of five relevant studies were analyzed to identify common patterns, challenges, and successful strategies in the use of digital technology. The results of the study show that the adoption of digitalization not only improves operational cost efficiency, but also encourages business model innovation, such as digital platform-based marketing, cross-border virtual collaboration, and the development of a more adaptive global business ecosystem. In addition, the ability to utilize digital technology gives SMEs a competitive advantage through access to real-time market information, personalization of offers, and more targeted branding strategies. However, the research also found obstacles, such as limited human resources, technological infrastructure, and digital literacy among SMEs. Therefore, synergy is needed between business actors, the government, and academia to support the acceleration of digital technology adoption through training, mentoring, and policies that support innovation. The paper also highlights future research opportunities, such as the integration of artificial intelligence (AI) technologies, automation, and blockchain in supporting the global expansion of SMEs. These findings are expected to be a strategic reference in designing sustainable internationalization policies in the digital era.

Distribution is the process of moving, managing, and storing goods from suppliers to customers in the supply chain. This process includes not only the delivery of raw materials from suppliers to manufacturers, but also the distribution of finished products to the end consumer. Distribution plays an important role in a company's profitability because it affects operational costs, delivery efficiency, and perceived value by customers. Successful well-managed distribution will increase customer satisfaction and strengthen the company's competitiveness in the market. PT. XYZ is one of the LPG distributors that provides 3 kg cylinders. This company serves a variety of consumers, ranging from households, small businesses, to retailers, with a coverage of distribution areas in Serang City. The distribution process is carried out based on sales orders and needs in 14 bases, where each base has a different level of demand according to consumer needs. However, PT. XYZ faces obstacles in achieving the optimal level of service, where the average service level only reaches 97.40%. An imbalance between inventory and demand at the base often leads to an oversupply or understock, resulting in backorders on some demands. This condition has a negative impact on customer satisfaction and overall distribution effectiveness. To overcome this problem, PT. XYZ developed a distribution dashboard by applying the Distribution Requirements Planning (DRP) method. Through this approach, distribution planning becomes more systematic, base needs can be met appropriately, and stocks can be managed more effectively. This dashboard also supports delivery scheduling and more coordinated marketing activities. The results of the implementation of the DRP dashboard in 2023 show a significant increase with a service level that has successfully reached 99%, minimizing backorders, and increasing customer trust and satisfaction.

The insurance business in an insurance company offers insurance products owned by insurance companies. There are many transactions such as the purchase of insurance products and the application of disbursement of insurance benefits to customers, so that disputes occur in the reports generated every month and this does not become effective and time-efficient as needed. This study aims to evaluate the effectiveness of a website-based real-time insurance transaction reporting monitoring system. This research method involves the development of a web-based system designed to monitor and report insurance transactions directly, as well as the evaluation of system performance using quantitative and qualitative approaches. The research stages include needs analysis, system design and development, implementation, and system testing and evaluation in insurance companies. The results of the study show that a website-based system can facilitate evaluation Monitoring the results of reports on ongoing transactions, so that reports every month can be formed digitally through the system that has been created.  

The digital revolution has transformed retail industry into a new era full of opportunities through e-commerce but also presenting challenges in online furniture sales. Due to their inability to precisely measure and see furniture in their spaces, many customers are hesitant to make purchases. Augmented Reality (AR) offers solutions through realistic visualizations, but it’s costly and has a lot of accessibility problems. WebAR solves these issues by delivering AR features directly on mobile browsers without requiring additional apps. This study investigates the impact of WebAR innovation on e-commerce furniture by examining the roles of interactivity (IN), vividness (VI), augmentation (AU), customization (CT), and ease of access (EA) on purchase intention (PI), mediated by spatial presence (SP), decision comfort (DC), and satisfaction (SF). Using the Stimulus-Organism-Response (SOR) model, data from 100 respondents were analyzed with the PLS-SEM algorithm using SmartPLS 4.0. The findings tell us that WebAR significantly enhances consumers’s shopping experience and ultimately boosts purchase intention.

This study aims to examine the influence of service quality dimensions tangibles, reliability, responsiveness, assurance, and empathy on customer satisfaction at Bank BRI Pandanaran Branch in Semarang. The research integrates service quality theory and the Service-Dominant Logic (SDL) approach as its theoretical foundation. Service quality theory assesses how well the services provided meet customer expectations, while SDL emphasizes that service value is co-created through interaction and collaboration between companies and customers. A quantitative method was employed, using a sample of 41 respondents who are offline customers at BRI Pandanaran. Data were analyzed using multiple linear regression. The results show that overall service quality has a positive and significant effect on customer satisfaction. However, the tangibles and reliability dimensions were not statistically significant. In contrast, empathy, assurance, and especially responsiveness showed significant impacts. These findings support the SDL perspective, highlighting that active customer involvement, along with speed and accuracy in service delivery, are crucial elements in value co-creation, which directly influence customer satisfaction in the banking sector

CV. Apris Expressindo is a private company engaged in the construction and distributor of U-PVC frames. In its business process activities, CV. Apris Expressindo still does not utilize technology optimally, so that the transfer of information regarding offers, sales, purchases, product stock, suppliers, customers, and financial reports is still done manually. This causes inefficient business processes including: slow fulfillment of customer orders, product pricing errors between divisions, product marketing that is not optimal, financial reports that cannot be seen and controlled by company leaders. Therefore, it is necessary to implement Enterprise Resource Planning (ERP) which aims to overcome these problems. The methodology used in this study was carried out in several stages, namely, data collection: interviews, observation and literacy studies, business process analysis: activity diagrams and use case diagrams, implementation: installation, configuration and module customization, testing: blackbox and UAT (User Acception Test) . The results of this study indicate that the ERP software that has been selected and implemented, namely the Odoo application, can improve and simplify business process activities and can minimize any problems faced today. It is hoped that with this ERP system business operations can be more effective and efficient so that it is expected to provide more financial benefits for CV Apris Expressindo.

This study aims to determine the effect of Islamic branding and Islamic service quality on customer loyalty at PT Bank Muamalat Indonesia, Tbk, Medan Balai Kota Branch, with customer satisfaction as an intervening variable. This is a quantitative study. Data collection used a questionnaire with a sample size of 100 respondents using a random sampling technique. The obtained data were then processed using SPSS 25. Instrument tests used included validity and reliability tests. The classical assumption tests used included normality, multicollinearity, and heteroscedasticity. Hypothesis testing used t-tests, f-tests, and coefficient of determination tests. Data analysis used path analysis. The results of the first t-test indicate that Islamic branding, Islamic service quality, and customer satisfaction have a positive and significant effect on customer loyalty. The results of the second t-test indicate that Islamic branding and Islamic service quality have a positive and significant effect on customer satisfaction. Customer satisfaction can mediate the relationship between Islamic branding and service quality.

The implementation of Supply Chain Management (SCM) makes many businesses manage information, goods, services and money as good as possible so they can provide fast and high-quality services to customers. Therefore, this study aims to implement SCM in Kopi Bintang Salatiga SMEs to decrease production costs, increase revenue, improve operational efficiency and establish good relationships with customers. This study discusses the SCM process and the added value in Kopi Bintang Salatiga SMEs so in the future Kopi Bintang Salatiga SMEs can have good risk management and increase added value. The data was collected through literature study and interviewing the owner of Kopi Bintang Salatiga SMEs. This study found that weather, natural disasters, fires and coffee pests are the factors with the highest risk in the SCM process of Kopi Bintang Salatiga SMEs. The added value of farmers & post-harvest coffee processors of Kopi Bintang Salatiga Kopi Bintang Salatiga SMEs is already quite high at 99%, while at grade I coffee sales is 71% and grade II is 47% it appears that coffee with grade II has lower added value, so it is needing accuracy of coffee processing at farmers & post-harvest coffee processors so the grade I coffee product is increased.

The retail industry is one of the choices for people to fulfill their needs. With the dynamics of the retail industry that had slumped, one of the local retailers in Yogyakarta, Pamella Supermarket, became the favorite choice of the people of Yogyakarta. One of the Pamella Supermarket branches, Pamella 9 Supermarket Wonosari, is always crowded with customers and its existence absorbs the youth workforce of Gunungkidul area. The existence of competition in this industry requires many supporting factors to survive.  In this study, several important factors are examined, including work motivation, work environment, work experience and employee loyalty. This study aims to analyze the simultaneous influence of work motivation, work environment and work experience on employee loyalty at the Pamella 9 supermarket in Wonosari. The research data was collected from 60 respondents through interviews and questionnaires. To analyze the data obtained, multiple linear regression techniques were used and processed with SPSS version 27.The results showed some important conclusions: first, work motivation did not have a significant influence; second, the work environment had a positive and significant influence; third, work experience also had a positive and significant influence; fourth, overall, work motivation, work environment and work experience had a significant effect on employee loyalty at Pamella 9 Supermarket in Wonosari.

Effective pricing is a key factor in enhancing competitiveness and customer satisfaction in the optical industry. This study aims to analyze the pricing strategy of eyeglass products based on market segmentation at Optik YAR Padang. Market segmentation was conducted by grouping consumers according to demographic, psychographic, and purchasing behavior characteristics. The research employed a quantitative approach using survey questionnaires distributed to customers, and the data were analyzed using cross-tabulation and chi-square tests. The results show significant differences in price preferences among various market segments, particularly based on age, income level, and the purpose of eyeglass use (fashion or vision correction). The findings recommend that Optik YAR implement differentiated pricing strategies tailored to each target segment, such as economic pricing for students and premium pricing for professionals. By applying segmentation-based pricing strategies, the company can improve customer loyalty and sales efficiency.

This study aims to analyze the influence of social media, experiential marketing, and service quality on customer satisfaction with Bloodz distro products in the Jakarta area. This research employs a quantitative method, collecting data through questionnaires distributed to Bloodz distro customers. The collected data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the SmartPLS software. The findings reveal that the three variables— social media, experiential marketing, and service quality—positively and significantly affect customer satisfaction. Among these variables, service quality has the most dominant influence. These findings highlight the importance of integrated marketing strategies, enhanced customer experiences, and improved service quality in increasing customer satisfaction.  

Customer loyalty is a commitment held by individuals or groups to buy or support a product or service again on an ongoing basis. The purpose of this study was to determine the effect of social media marketing and customer experience on customer loyalty in customers of Yong Bengkalis Coffee Shop in Pekanbaru. The population of this study were 14,095 customers and a sample of 99 respondents was obtained using purposive sampling technique. This research uses quantitative methods and descriptive statistics with explanatory research models using SPSS 30.0 tools. The output results of data processing state that partially social media marketing has a significant effect on customer loyalty, customer experience has a significant effect on customer loyalty and simultaneously social media marketing and customer experience have a significant effect on customer loyalty in customers of  Yong Bengkalis Coffee Shop in Pekanbaru.

At Mie Gacoan Jimbaran, there are two payment service units operating under a single queue line, which often leads to customer congestion during peak hours. This study aims to evaluate the most appropriate non-Poisson queueing model, assess the performance of the existing queueing system, and determine the optimal number of cashiers (servers) to enhance service efficiency at Mie Gacoan Jimbaran.The observation was conducted at Mie Gacoan Jimbaran, located in Badung, Bali, on Saturday, November 18, 2023, over a period of one hour and fifteen minutes. Based on the results of the queueing model analysis and system performance evaluation, the customer arrival rate was found to be two persons per minute, with a service rate of three persons per minute. Furthermore, the average number of customers in the system and in the queue was two individuals, respectively. The probability of the cashiers being idle was recorded at 71.28%, with an average customer waiting time of 0.7696 minutes in the queue and 1.1829 minutes within the entire system.

This study aims to identify the factors that influence the interest of Bank Syariah Indonesia (BSI) customers in using the Byond by BSI application, using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) approach. This application is one of the digital innovations developed by BSI to improve digital banking services. The data in this study were obtained from primary data collected directly through a Google Form questionnaire distributed to 290 respondents who are BSI customers and users of the Byond by BSI application. The study employed a non-probability sampling method with purposive sampling technique, where respondents were selected based on specific criteria relevant to the research objectives. Data analysis was conducted through several stages, including descriptive statistics, validity and reliability tests, normality tests, multicollinearity, heteroskedasticity, as well as multiple linear regression analysis and hypothesis testing. Data processing was conducted using SPSS software version 30. The results of the analysis indicate that all variables studied, performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, habit, trust, and perceived risk have a positive and significant influence on behavioral intention or users' interest in continuing to use the Byond by BSI app.