MSMEs have a great number of important roles in the economy of a country and should be developed and empowered. The main thing needed in the effort to boost the performance of MSME is support in terms of business funding. The impact of microfinance should be optimized through the appropriate strategies of all parties involved. Through appropriate microfinance strategies, MSMEs are expected to experience significant growth. The purpose of this research is to identify factors influencing access of micro finance and, impact of micro financing and to formulate strategy in optimizing microfinance for MSMEs in Bogor Regency. The primary data obtained from the owners of MSMEs of bag and footwear industries was were analyzed using logistic regression and rank test marked Wilcoxon. The primary data from the experts were analyzed using AHP method. The results showed that the factors that influence access to microfinance are monthly profits, total assets and savings access. Microfinance has a positive impact on almost all aspects of MSME performance. The right strategy to optimize microfinance is the CSR partnership financing program. Keywords: AHP, micro financing, MSMEs, Wilcoxon
{"title":"Micro Financing Optimalization Strategy for MSMEs Development (Case Study at Kabupaten Bogor, Indonesia)","authors":"Ana Yuliana Jasuni, M. Firdaus, B. Sanim","doi":"10.17358/IJBE.4.2.161","DOIUrl":"https://doi.org/10.17358/IJBE.4.2.161","url":null,"abstract":"MSMEs have a great number of important roles in the economy of a country and should be developed and empowered. The main thing needed in the effort to boost the performance of MSME is support in terms of business funding. The impact of microfinance should be optimized through the appropriate strategies of all parties involved. Through appropriate microfinance strategies, MSMEs are expected to experience significant growth. The purpose of this research is to identify factors influencing access of micro finance and, impact of micro financing and to formulate strategy in optimizing microfinance for MSMEs in Bogor Regency. The primary data obtained from the owners of MSMEs of bag and footwear industries was were analyzed using logistic regression and rank test marked Wilcoxon. The primary data from the experts were analyzed using AHP method. The results showed that the factors that influence access to microfinance are monthly profits, total assets and savings access. Microfinance has a positive impact on almost all aspects of MSME performance. The right strategy to optimize microfinance is the CSR partnership financing program. Keywords: AHP, micro financing, MSMEs, Wilcoxon","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"4 1","pages":"161-161"},"PeriodicalIF":0.0,"publicationDate":"2018-05-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87975250","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Putri Ramadhani Saragih, J. Effendi, I. T. Saptono
Sharia banking has been arising for 26 years in Indonesia. Its market share is still lower than 5%. Study about sharia banking’s market share is always an interesting observation. Mudharabah savings as one of the third party fund has a significant role to improve market share by low cost fund type. The objectives of this study are to analyze mudharabah savings elasticity, significant independent factor to it and initial market share improvement strategies. The methods used to combine vector error correction model (VECM) and business model canvas (BMC). This research concludes that conventional bank rates and sharia bank outlets have a relationship with mudharabah contract savings demand. Furthermore, mudharabah savings has a substitute relationship with conventional saving by negative cross elasticity. The results are combined with business model canvas (BMC) to describe mudharabah saving business model as a managerial action to explain initial strategies of mudharabah saving. BMC arranged by choosing conventional bank rates as value proposition focus and sharia bank outlets as key resources focus.Keywords: demand elasticity, mudharabah savings, business model canvas (BMC), sharia banking, initial strategies
{"title":"Initial Identification of Mudharabah Savings Market Share Improvement Strategies in Indonesia","authors":"Putri Ramadhani Saragih, J. Effendi, I. T. Saptono","doi":"10.17358/IJBE.4.2.141","DOIUrl":"https://doi.org/10.17358/IJBE.4.2.141","url":null,"abstract":"Sharia banking has been arising for 26 years in Indonesia. Its market share is still lower than 5%. Study about sharia banking’s market share is always an interesting observation. Mudharabah savings as one of the third party fund has a significant role to improve market share by low cost fund type. The objectives of this study are to analyze mudharabah savings elasticity, significant independent factor to it and initial market share improvement strategies. The methods used to combine vector error correction model (VECM) and business model canvas (BMC). This research concludes that conventional bank rates and sharia bank outlets have a relationship with mudharabah contract savings demand. Furthermore, mudharabah savings has a substitute relationship with conventional saving by negative cross elasticity. The results are combined with business model canvas (BMC) to describe mudharabah saving business model as a managerial action to explain initial strategies of mudharabah saving. BMC arranged by choosing conventional bank rates as value proposition focus and sharia bank outlets as key resources focus.Keywords: demand elasticity, mudharabah savings, business model canvas (BMC), sharia banking, initial strategies","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"27 1","pages":"141-141"},"PeriodicalIF":0.0,"publicationDate":"2018-05-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81661296","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Most handphones in Indonesia and Malaysia are imported from other countries such as from America, Europe, China, and South Korea. The enhancement of global brands has reduced local brand preferences. This research aims to clarify the consumers’ perception towards brands of handphones in Indonesia and Malaysia by conducting comparative studies in both countries and examining the effects of product attributes and brand image on brand preference. Questionnaire surveys were conducted to 200 respondents from Indonesia & Malaysia. The data were analyzed by the descriptive analysis, Semantic Differential Scale Analysis, ANOVA test, and Structural Equation Modelling Partial Least Square (SEM-PLS). It has been clarified that there are differences in preferences between consumers in Indonesia and Malaysia in terms of product attributes. Thus, the results of this research give benefits to the market expansion and product development in both countries. Keywords: brand preference, consumers’ perception, country of origin, brand, structural equation modeling
{"title":"A Comparative Study on Indonesian and Malaysian Consumers’ Perception and Preference Towards Handphones From China, South Korea, America, and Europe","authors":"Silvia Andik, Jono M. Munandar, M. Najib","doi":"10.17358/IJBE.4.2.130","DOIUrl":"https://doi.org/10.17358/IJBE.4.2.130","url":null,"abstract":"Most handphones in Indonesia and Malaysia are imported from other countries such as from America, Europe, China, and South Korea. The enhancement of global brands has reduced local brand preferences. This research aims to clarify the consumers’ perception towards brands of handphones in Indonesia and Malaysia by conducting comparative studies in both countries and examining the effects of product attributes and brand image on brand preference. Questionnaire surveys were conducted to 200 respondents from Indonesia & Malaysia. The data were analyzed by the descriptive analysis, Semantic Differential Scale Analysis, ANOVA test, and Structural Equation Modelling Partial Least Square (SEM-PLS). It has been clarified that there are differences in preferences between consumers in Indonesia and Malaysia in terms of product attributes. Thus, the results of this research give benefits to the market expansion and product development in both countries. Keywords: brand preference, consumers’ perception, country of origin, brand, structural equation modeling","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"8 1","pages":"130-130"},"PeriodicalIF":0.0,"publicationDate":"2018-05-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82199488","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
A growing number of online motorcycle taxi is impacting a greater competition in its business to the extent that a business partner of the motorcycle taxi contributes a significant portion in the business. The purpose of this journal was to observe the influence of satisfaction level on partner loyalty in online taxi-motor application company in Bekasi city. The levels of satisfaction and loyalty of the business partner were measured by using CSI and CLI methods. 125 business partners, operating in Bekasi, became the respondents in this analysis based on Slovin method with 10% error margin. SEM methods were utilized to analyze the influence of the business partner characteristics on the level of satisfaction and the impact of level of satisfaction on business partner loyalty. In addition, IPA was used to analyze the significant attributes of business partner's level of satisfaction. CSI and CLI findings show that the business partners are within the satisfactory level and high loyalty towards its current partnership. SEM analysis reveals that there is a strong influence between the level of partner's satisfaction and loyalty. Better provision of trip rates has become a significant indicator for business partner during the partnership process which was examined by IPA method. Keywords: online transportation, satisfaction index, loyalty index, IPA, CSI
{"title":"Factors Affecting Satisfaction and Loyalty of Online Taxi-Motor Partners","authors":"Luvy Mayanda, H. Wijayanto, I. Muflikhati","doi":"10.17358/IJBE.4.2.207","DOIUrl":"https://doi.org/10.17358/IJBE.4.2.207","url":null,"abstract":"A growing number of online motorcycle taxi is impacting a greater competition in its business to the extent that a business partner of the motorcycle taxi contributes a significant portion in the business. The purpose of this journal was to observe the influence of satisfaction level on partner loyalty in online taxi-motor application company in Bekasi city. The levels of satisfaction and loyalty of the business partner were measured by using CSI and CLI methods. 125 business partners, operating in Bekasi, became the respondents in this analysis based on Slovin method with 10% error margin. SEM methods were utilized to analyze the influence of the business partner characteristics on the level of satisfaction and the impact of level of satisfaction on business partner loyalty. In addition, IPA was used to analyze the significant attributes of business partner's level of satisfaction. CSI and CLI findings show that the business partners are within the satisfactory level and high loyalty towards its current partnership. SEM analysis reveals that there is a strong influence between the level of partner's satisfaction and loyalty. Better provision of trip rates has become a significant indicator for business partner during the partnership process which was examined by IPA method. Keywords: online transportation, satisfaction index, loyalty index, IPA, CSI","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"17 1","pages":"207-207"},"PeriodicalIF":0.0,"publicationDate":"2018-05-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78768356","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The Developing of Micro, Small and Medium Enterprises (MSMEs) in Indonesia could not be separated from the support of banking system in bank credit disbursement to MSMEs sector. Mandiri Sharia Bank (BSM) is one of the sharia banks that had disbursed sharia micro financing (micro credit). The objective of this research was to analyze the influence of religiosity, pricing and corporate image toward the attitude and the intention to use sharia micro financing. This research, hopefully, could give recommendations of marketing strategies to increase the number of debtors to use sharia micro financing (micro credit). This research used 150 respondents that had been chosen purposively with some criteria, such as entrepreneurs (prospective customers) who have a company in MSMEs sector but they have never experienced using sharia micro financing. The data were analyzed using SEM with SmartPLS3 software. This is a quantitative research using a descriptive approach. The data of respondents were collected by face-to-face interview using a questionnaire tool. The result showed that pricing and corporate image through the attitude provided significant influence on the intention to use sharia micro financing. Meanwhile, the religiosity and corporate image provide insignificant influence on the intention to use sharia micro financing. The fixed pricing and good corporate image would increase the attitude and the intention to use sharia micro financial services.Keywords: MSMEs, SEM, intention to use, pricing, sharia micro financing
印尼中小微企业的发展离不开银行系统对中小微企业信贷支付的支持。Mandiri Sharia Bank (BSM)是开展伊斯兰小额贷款的伊斯兰银行之一。本研究的目的是分析宗教信仰、价格和企业形象对使用伊斯兰教小额融资的态度和意愿的影响。希望本研究可以提供营销策略建议，以增加债务人使用伊斯兰小额信贷(小额信贷)的人数。这项研究使用了150名受访者，这些受访者是根据某些标准有意选择的，例如在中小微企业领域拥有公司但从未使用过伊斯兰教小额融资的企业家(潜在客户)。用SmartPLS3软件对数据进行扫描电镜分析。这是一项使用描述性方法的定量研究。采用问卷调查工具进行面对面访谈，收集被调查者的数据。结果表明，定价和企业形象通过态度对使用伊斯兰小额融资的意愿产生显著影响。同时，宗教信仰和企业形象对伊斯兰小额融资意愿的影响不显著。固定的定价和良好的企业形象会增加使用伊斯兰小额金融服务的态度和意愿。关键词:中小微企业，SEM，使用意向，定价，伊斯兰小额融资
{"title":"The Effects of Religiousity, Pricing and Corporate Image on The Attitude and The Intention to Use Sharia Micro Financing","authors":"Zuliyanti Shabrina, L. Yuliati, M. Simanjuntak","doi":"10.17358/IJBE.4.2.197","DOIUrl":"https://doi.org/10.17358/IJBE.4.2.197","url":null,"abstract":"The Developing of Micro, Small and Medium Enterprises (MSMEs) in Indonesia could not be separated from the support of banking system in bank credit disbursement to MSMEs sector. Mandiri Sharia Bank (BSM) is one of the sharia banks that had disbursed sharia micro financing (micro credit). The objective of this research was to analyze the influence of religiosity, pricing and corporate image toward the attitude and the intention to use sharia micro financing. This research, hopefully, could give recommendations of marketing strategies to increase the number of debtors to use sharia micro financing (micro credit). This research used 150 respondents that had been chosen purposively with some criteria, such as entrepreneurs (prospective customers) who have a company in MSMEs sector but they have never experienced using sharia micro financing. The data were analyzed using SEM with SmartPLS3 software. This is a quantitative research using a descriptive approach. The data of respondents were collected by face-to-face interview using a questionnaire tool. The result showed that pricing and corporate image through the attitude provided significant influence on the intention to use sharia micro financing. Meanwhile, the religiosity and corporate image provide insignificant influence on the intention to use sharia micro financing. The fixed pricing and good corporate image would increase the attitude and the intention to use sharia micro financial services.Keywords: MSMEs, SEM, intention to use, pricing, sharia micro financing","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"33 1","pages":"197-197"},"PeriodicalIF":0.0,"publicationDate":"2018-05-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76988260","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Customer experience can be developed through good database management, and this is an important thing to do in the era of tough retail banking competition especially in the personal loan market competition. Through good database management, banks can understand the transaction pattern and customer behavior in each bank service’s contact point. This research aimed at identifying the personal loans correspondence between socioeconomic variables and top up transaction by using the secondary data from one of Indonesian retail banking. The research method used the correspondence analysis and regression. The result of the research showed that the socioeconomic factors that influenced the debtors to top up personal loans at the confidence level of 5% (0.05) included Age, Marital Status, Dependent Number, Living Status, Education, Region, Job Type, Work Length, Salary, Debt Burdened Ratio (DBR), Credit Tenure, and Credit Limit, and only Gender had no effect on personal loan top up. The socioeconomic factors that were close correspondence with the personal loan top up transactions included bachelor degree, State-Owned Enterprises and goverment civil servant employee, income starting from Rp 5 million, credit period starting from 4 years, dan credit limit starting from Rp 50 million. The findings in this study are expected to be useful for marketers of the banks in developing personal loan products and also in preparing a more targeted marketing strategy so that it becomes more effective and efficient for the banks. In addition, the expected implication is that the customer experience will be better because the product developed will be more customer centric. Keywords: bank, correspondence analysis, personal loans, regression, top up
{"title":"Correspondence Analysis of Indonesian Retail Banking Personal Loans Top Up","authors":"Andrie Agustino, U. Sumarwan, B. Sartono","doi":"10.17358/IJBE.4.1.37","DOIUrl":"https://doi.org/10.17358/IJBE.4.1.37","url":null,"abstract":"Customer experience can be developed through good database management, and this is an important thing to do in the era of tough retail banking competition especially in the personal loan market competition. Through good database management, banks can understand the transaction pattern and customer behavior in each bank service’s contact point. This research aimed at identifying the personal loans correspondence between socioeconomic variables and top up transaction by using the secondary data from one of Indonesian retail banking. The research method used the correspondence analysis and regression. The result of the research showed that the socioeconomic factors that influenced the debtors to top up personal loans at the confidence level of 5% (0.05) included Age, Marital Status, Dependent Number, Living Status, Education, Region, Job Type, Work Length, Salary, Debt Burdened Ratio (DBR), Credit Tenure, and Credit Limit, and only Gender had no effect on personal loan top up. The socioeconomic factors that were close correspondence with the personal loan top up transactions included bachelor degree, State-Owned Enterprises and goverment civil servant employee, income starting from Rp 5 million, credit period starting from 4 years, dan credit limit starting from Rp 50 million. The findings in this study are expected to be useful for marketers of the banks in developing personal loan products and also in preparing a more targeted marketing strategy so that it becomes more effective and efficient for the banks. In addition, the expected implication is that the customer experience will be better because the product developed will be more customer centric. Keywords: bank, correspondence analysis, personal loans, regression, top up","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"31 1","pages":"37-37"},"PeriodicalIF":0.0,"publicationDate":"2018-01-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90835835","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The aim of the research was to analyze the relationship between the social capital and innovation performance of agribusiness in Regency Bogor. The sample of the research was set as purposive sampling. There were 38 respondents involved from the nine districts. By the criteria, the entrepreneurs are also the owners of the agribusiness MSMEs and have been running their company for two years minimally. The data were analyzed by Sequal Equation Modeling Partial Least Square (SEM-PLS) method with SMART PLS 3.2.4. Based on the results, the majority of agribusiness MSMEs in Bogor Regency produce local and traditional products and have 1 to 5 employees. They earn money less than 100 million rupiahs annually, and most of them are categorized as the entrepreneurs of the micro and small enterprises. Social norm gives influence on innovation performance significantly, and it is reflected by providing aid to each other, having access to aids and willingness to share any information. The entrepreneurs of the agribusiness MSMEs possessing social norm will increase their innovation performance. Willingness to provide aid is the indicator to contribute significantly to social norm. Social network also gives effects significantly on innovation performance. Social network is reflected by network size, multiplexity and network constraints. The larger the network size, the wider important information related to the enterprises; therefore, it will increase opportunity to innovate. The height of multiplexity and network constraints will reduce the chance to innovate. Multiplexity is the highest indicator contributing to social network whereas trust variable does not give contribution significantly to innovation performance of the agribusiness MSMEs. Keywords: MSMEs, social capital, agribusiness, innovation performance
{"title":"The Effect of Social Capital on the Innovation Performance of the Small-Middle Scaled Enterprises of Agribusiness in Bogor Regency","authors":"Sugara Mursid, S. Suharno, W. B. Priatna","doi":"10.17358/IJBE.4.1.22","DOIUrl":"https://doi.org/10.17358/IJBE.4.1.22","url":null,"abstract":"The aim of the research was to analyze the relationship between the social capital and innovation performance of agribusiness in Regency Bogor. The sample of the research was set as purposive sampling. There were 38 respondents involved from the nine districts. By the criteria, the entrepreneurs are also the owners of the agribusiness MSMEs and have been running their company for two years minimally. The data were analyzed by Sequal Equation Modeling Partial Least Square (SEM-PLS) method with SMART PLS 3.2.4. Based on the results, the majority of agribusiness MSMEs in Bogor Regency produce local and traditional products and have 1 to 5 employees. They earn money less than 100 million rupiahs annually, and most of them are categorized as the entrepreneurs of the micro and small enterprises. Social norm gives influence on innovation performance significantly, and it is reflected by providing aid to each other, having access to aids and willingness to share any information. The entrepreneurs of the agribusiness MSMEs possessing social norm will increase their innovation performance. Willingness to provide aid is the indicator to contribute significantly to social norm. Social network also gives effects significantly on innovation performance. Social network is reflected by network size, multiplexity and network constraints. The larger the network size, the wider important information related to the enterprises; therefore, it will increase opportunity to innovate. The height of multiplexity and network constraints will reduce the chance to innovate. Multiplexity is the highest indicator contributing to social network whereas trust variable does not give contribution significantly to innovation performance of the agribusiness MSMEs. Keywords: MSMEs, social capital, agribusiness, innovation performance","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"47 1","pages":"22-22"},"PeriodicalIF":0.0,"publicationDate":"2018-01-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90672035","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The aims of this paper were to analyze the customer decision to use internet banking and to anlyze the factors correlated with the intention of internet banking usage at XYZ Bank, Bogor, Indonesia. The theoretical foundation for this study was Theory of Planned Behavior (TPB). TPB is a model that estimates the consumers’ intention to perform a behavior or action. A number of 150 respondents were selected by convenience sampling method using questionnaires with interviews. The data were analyzed using SEM-PLS. The results showed that perceived behavior control had a significant influence on behavioral intention. Respondents who had higher scores of perceived behavior were more likely to have a higher intention of using internet banking. For the managerial implications, the company is expected to provide more user-friendly and attractive facilities for users, so that users can easily do banking transactions without having to queue at either a Bank or ATM counters. Second, the facility with more limit than that exists now can be used as a reference for the company to increase the number of internet banking users, so users can use facilities safely, and desired facilities are available in internet banking. Keywords: behaviour intention, internet banking, SEM-PLS, theory of planned behavior
{"title":"Behavioral Intention Analysis on Internet Banking Usage at Bank XYZ Bogor","authors":"Fitria Annilda, U. Sumarwan, E. H. Nugrahani","doi":"10.17358/IJBE.4.1.64","DOIUrl":"https://doi.org/10.17358/IJBE.4.1.64","url":null,"abstract":"The aims of this paper were to analyze the customer decision to use internet banking and to anlyze the factors correlated with the intention of internet banking usage at XYZ Bank, Bogor, Indonesia. The theoretical foundation for this study was Theory of Planned Behavior (TPB). TPB is a model that estimates the consumers’ intention to perform a behavior or action. A number of 150 respondents were selected by convenience sampling method using questionnaires with interviews. The data were analyzed using SEM-PLS. The results showed that perceived behavior control had a significant influence on behavioral intention. Respondents who had higher scores of perceived behavior were more likely to have a higher intention of using internet banking. For the managerial implications, the company is expected to provide more user-friendly and attractive facilities for users, so that users can easily do banking transactions without having to queue at either a Bank or ATM counters. Second, the facility with more limit than that exists now can be used as a reference for the company to increase the number of internet banking users, so users can use facilities safely, and desired facilities are available in internet banking. Keywords: behaviour intention, internet banking, SEM-PLS, theory of planned behavior","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"263 1","pages":"64-64"},"PeriodicalIF":0.0,"publicationDate":"2018-01-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78883226","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Government’s support for Go Organic program provides a significant effect on the increasing organic land from only 71 thousand hectares in 2010 to 113 thousand hectares in 2014. This is caused by the shifting lifestyle of consumers who are more concerned about health. Rice as one of carbohydrate sources consumed by Indonesian people has an organic variant which is favored by many consumers. This study involved 100 households which were intentionally selected based on their convenience and readiness to be interviewed. This research was also conducted to analyze the comparison of consumer’s attitudes on organic and non-organic rice and to analyze consumer’s willingness to pay (WTP) for organic rice. Fishbein and Contingent Valuation Method were used as an analytical tool to find out the consumers’ attitudes and the maximum values that they are willing to pay. Consumers of non-organic rice had a more positive attitude on non-organic rice compared to organic rice with a WTP value of Rp 20,000 and the potential opportunity value that can be projected for organic rice in Bogor City is IDR291,788,621,400 per month. Keywords: consumer’s attitude, contingent valuation method, fishbein, organic rice, willingness to pay
{"title":"Consumer’s Attitude and Willingness to Pay for Organic Rice","authors":"Qisthy Nur Fathia, R. Nurmalina, M. Simanjuntak","doi":"10.17358/IJBE.4.1.11","DOIUrl":"https://doi.org/10.17358/IJBE.4.1.11","url":null,"abstract":"Government’s support for Go Organic program provides a significant effect on the increasing organic land from only 71 thousand hectares in 2010 to 113 thousand hectares in 2014. This is caused by the shifting lifestyle of consumers who are more concerned about health. Rice as one of carbohydrate sources consumed by Indonesian people has an organic variant which is favored by many consumers. This study involved 100 households which were intentionally selected based on their convenience and readiness to be interviewed. This research was also conducted to analyze the comparison of consumer’s attitudes on organic and non-organic rice and to analyze consumer’s willingness to pay (WTP) for organic rice. Fishbein and Contingent Valuation Method were used as an analytical tool to find out the consumers’ attitudes and the maximum values that they are willing to pay. Consumers of non-organic rice had a more positive attitude on non-organic rice compared to organic rice with a WTP value of Rp 20,000 and the potential opportunity value that can be projected for organic rice in Bogor City is IDR291,788,621,400 per month. Keywords: consumer’s attitude, contingent valuation method, fishbein, organic rice, willingness to pay","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"70 1","pages":"11-11"},"PeriodicalIF":0.0,"publicationDate":"2018-01-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"77322241","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The purpose of this research was to analyze the effect of individual factors, enviromental factors, entrepreneurial behavior on business performance of cassava SMEs agroindustry in Padang. This research was conducted in January-March 2017, and the number of respondents was 53 entrepreneurs. The analysis method used was quantitative analysis using Partial Least Square (PLS) version 2.0. The results showed individual factors have positive and significant effect on entrepreneurial behavior with the influence coefficient 0.430. The most dominant individual factor that reflected entrepreneurial behavior was the experience with the load factor (λ) 0.877. Environmental factors have a positive and significant effect on individual factors with the influence coefficient 0.478. Environmental factors have a positive and significant effect on entrepreneurial behavior with the influence coefficient 0.405. The most dominant environmental factor that affected entrepreneurial behavior was training with the load factor (λ) 0.840. The entrepreneurial behavior factor has a positive and significant effect on business performance with influence coefficient 0.575. The most dominant entrepreneurial behavior that influenced the business performance was the innovativeness with the load factor (λ) 0.774. Keywords: individual factor, environmental factor, entrepreneurial behavior, business performance, partial least square (PLS)
{"title":"The Effect of Individual, Environmental and Entrepreneurial Behavior Factors on Business Performance of Cassava SMEs Agroindustry in Padang City","authors":"R. Amir, B. burhanuddin, W. B. Priatna","doi":"10.17358/IJBE.4.1.1","DOIUrl":"https://doi.org/10.17358/IJBE.4.1.1","url":null,"abstract":"The purpose of this research was to analyze the effect of individual factors, enviromental factors, entrepreneurial behavior on business performance of cassava SMEs agroindustry in Padang. This research was conducted in January-March 2017, and the number of respondents was 53 entrepreneurs. The analysis method used was quantitative analysis using Partial Least Square (PLS) version 2.0. The results showed individual factors have positive and significant effect on entrepreneurial behavior with the influence coefficient 0.430. The most dominant individual factor that reflected entrepreneurial behavior was the experience with the load factor (λ) 0.877. Environmental factors have a positive and significant effect on individual factors with the influence coefficient 0.478. Environmental factors have a positive and significant effect on entrepreneurial behavior with the influence coefficient 0.405. The most dominant environmental factor that affected entrepreneurial behavior was training with the load factor (λ) 0.840. The entrepreneurial behavior factor has a positive and significant effect on business performance with influence coefficient 0.575. The most dominant entrepreneurial behavior that influenced the business performance was the innovativeness with the load factor (λ) 0.774. Keywords: individual factor, environmental factor, entrepreneurial behavior, business performance, partial least square (PLS)","PeriodicalId":15119,"journal":{"name":"Journal of Business and Entrepreneurship","volume":"11 1","pages":"1-1"},"PeriodicalIF":0.0,"publicationDate":"2018-01-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79252364","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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