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Loan Restructuring, Human Capital and Digital towards MSME Performance in the COVID-19 Pandemic 2019冠状病毒病大流行背景下,贷款重组、人力资本和数字化促进中小微企业绩效
Pub Date : 2021-12-31 DOI: 10.21776/ub.apmba.2021.010.02.5
I. Purnamawati, G. A. Yuniarta
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引用次数: 5
Modelling Online Purchase Behavior from Consumer Decision Model Perspective 基于消费者决策模型的在线购买行为建模
Pub Date : 2021-12-31 DOI: 10.21776/ub.apmba.2021.010.02.6
Ni Luh Putu Indiani, Ni Made Ayu Purnami
Despite the significant growth of internet users in Indonesia, the use of the internet for online shopping is still quite low, which hinders the potential for e-commerce growth in Indonesia. This fact raises interest in analyzing factors that influence online shopping intention among Indonesians. Based on consumer decision model, this study developed an online purchase decision model using an integrative approach that includes factors of marketing stimuli, environmental influence, and consumer concern altogether. This integrative model is aimed to get a more comprehensive picture of online purchase behavior, as previous studies analyzed this object using only one or two of these three factors. A survey was conducted to collect data using questionnaire as the instrument. Respondents were consumers who have bought retail products online in the most recent month. Respondents were taken from five cities in Indonesia with the highest online shopping penetration: Jakarta, Surabaya, Medan, Bandung, and Makassar. This study received 115 valid samples. Data were analyzed using Partial Least Square. The results showed that website quality, eWOM, and perceived benefit significantly influence online purchase intention through the mediation of trust. Practical implications are discussed further.
尽管印度尼西亚的互联网用户显著增长,但使用互联网进行网上购物的比例仍然很低,这阻碍了印度尼西亚电子商务增长的潜力。这一事实引起了人们对分析影响印尼人网上购物意愿的因素的兴趣。本研究在消费者决策模型的基础上,采用整合的方法,建立了一个包括营销刺激、环境影响和消费者关注因素的在线购买决策模型。这个综合模型的目的是得到一个更全面的在线购买行为的画面,因为以前的研究只使用这三个因素中的一个或两个来分析这个对象。以问卷调查为工具进行调查,收集数据。受访者是最近一个月在网上购买过零售产品的消费者。受访者来自印度尼西亚网上购物普及率最高的五个城市:雅加达、泗水、棉兰、万隆和望加锡。本研究共收到115份有效样本。数据分析采用偏最小二乘法。结果表明,网站质量、网络口碑和感知利益通过信任的中介显著影响网络购买意愿。进一步讨论了实际影响。
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引用次数: 1
Analysıs Of External Factors Affectıng Non Performıng Fınance (Npf) Sharıa Banks In Indonesıa (Perıod 2009 Q1-2018 Q4) Analysıs外部因素Affectıng非Performıng Fınance (Npf) Sharıa银行在Indonesıa (Perıod 2009年第一季度-2018年第四季度)
Pub Date : 2021-08-31 DOI: 10.21776/ub.apmba.2021.010.01.5
Yahya Muqorrobin, A. Rahman, S. Maharani
The high ratio of problematic financing or Non-Performing Finance (NPF) at Islamic banks is a phenomenon that needs attention because it is one indicator to assess the soundness of Islamic banks. The causative factors could be two-way, first, the internal factors in Islamic banking itself; the principle of prudence in channeling financing; and second, external factors. Economic data indicated a slowdown in global economic growth became a negative sentiment on the financial markets; one of the consequences was the weakening of the customer ability to meet their obligations would be increasing the ratio of problem financing (NPF). The purpose of this study is to analyze and identify the relationship between macro variables Gross Domestic Product (GDP), exchange rate, and inflation with NPF at Sharia Banks in Indonesia 2009: Q1 to 2018: Q4. This research is a quantitative study with the data analysis method used Auto-regressive Distributed Lag (ARDL) to analyze the relationship between independent variables on the dependent variable in the long term and short term. The result is that GDP has a negative and significant effect on NPF both in the long term and short term. In comparison, the exchange rate and inflation have a positive and significant effect on the NPF in the short run but have no significant effect in the long run.
伊斯兰银行的不良贷款比率(NPF)过高是衡量伊斯兰银行健全性的指标之一,因此值得关注。造成这种情况的因素可能是双向的,首先是伊斯兰银行业本身的内部因素;审慎引导融资的原则;第二,外部因素。经济数据显示,全球经济增长放缓成为金融市场的负面情绪;其后果之一是削弱了客户履行其义务的能力,这将增加问题融资的比率。本研究的目的是分析和确定宏观变量国内生产总值(GDP)、汇率和通货膨胀与印尼伊斯兰教银行NPF之间的关系,2009年第一季度至2018年第四季度。本研究是一项定量研究,采用自回归分布滞后(ARDL)的数据分析方法,分析自变量对因变量长期和短期的关系。结果表明,无论从长期还是短期来看,GDP对国民生产总值都具有显著的负向影响。相比之下,汇率和通货膨胀在短期内对NPF有显著的正向影响,但在长期内没有显著的影响。
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引用次数: 2
Guest Satisfaction on Star Hotel Preparedness In New Normal Era of Covid-19 新型冠状病毒肺炎新常态下星级酒店宾客满意度研究
Pub Date : 2021-08-31 DOI: 10.21776/ub.apmba.2021.010.01.2
E. Ervina, Riza Taufiq, Anwari Masatip
Implementing health protocols is one of the hotel industry's survival strategies in response to the Covid-19 pandemic. Although many studies have examined the importance of management strategies in dealing with disasters in the context of the Covid-19, there has been no study analyse the level of guest satisfaction on the preparedness of star hotels during the 'New Normal Era in Bandung, West Java. This research was conducted to evaluate guest satisfaction on star hotels' preparedness by collecting data from guests who had stayed during the pandemic. Importance-Performance Analysis (IPA) by sampling 100 respondents was used to assess guest satisfaction with performance, especially within the star hotel section, then dividing the results into four quadrants (Priority, Maintain, Low priority, and Excessive) and Guest satisfaction determine by using Customer Satisfaction Index (CSI). IPA analysis results show most of hotel section have implemented the preparedness health protocol that exceeds guests' expectations. Measurement of the guest satisfaction index shows guests are very satisfied with star hotels' preparedness in reducing the risk of the Covid-19 pandemic. However, star-hotels still need improve the preparedness by adapting and innovating service through technology.
实施健康协议是酒店业应对Covid-19大流行的生存策略之一。尽管许多研究都考察了在新冠疫情背景下管理策略在应对灾害方面的重要性,但还没有研究分析西爪哇万隆“新常态”时期星级酒店的客人满意度。这项研究是通过收集大流行期间入住的客人的数据来评估客人对星级酒店准备工作的满意度。重要性-绩效分析(IPA)通过抽样100名受访者来评估客户对绩效的满意度,特别是在星级酒店部分,然后将结果分为四个象限(优先,维持,低优先和过度),并通过使用客户满意度指数(CSI)来确定客户满意度。IPA分析结果显示,大部分酒店部门实施的准备健康协议超出了客人的期望。客人满意度指数的测量显示,客人对星级酒店在降低Covid-19大流行风险方面的准备工作非常满意。然而,星级酒店仍然需要通过技术调整和创新服务来完善准备工作。
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引用次数: 6
Determinants of Intention of Using Mortgage in Financing Home Ownership in Surabaya 泗水住房抵押贷款意向的决定因素
Pub Date : 2021-08-31 DOI: 10.21776/ub.apmba.2021.010.01.4
Njo Anastasia, Lidya Priskila Thiosalim, Mariana Ing Malelak
Expensive prices of houses compels an individual to make a purchase through a third party. This study aims to test the determinants of intention to use mortgage in financing home ownership in Surabaya. The sample was selected using purposive sampling form the population of Surabaya citizens who intended to use home ownership mortgage (Kredit Pemilikan Rumah, KPR). The data was analyzed is SmartPLS. This study finds that subjective norms, perceived behavioral control, knowledge of mortgage, and religiosity significantly affects the intention to use mortgage. Furthermore, attitude, however, does not affect it. The result of this study benefits bankers so that they are able to actively inform consumers about their mortgage products, to raise consumer’s intention to use them. Consumers will also be able to choose mortgage products that suit them best, and they can have a sense of security and convenience during the loan term.
昂贵的房价迫使个人通过第三方购买。本研究的目的是测试意向的决定因素使用抵押贷款融资住房所有权在泗水。样本是使用有目的的抽样从泗水居民谁打算使用住房所有权抵押贷款(信贷Pemilikan Rumah, KPR)的人口中选择的。数据分析采用SmartPLS。本研究发现,主观规范、感知行为控制、抵押知识和宗教信仰对抵押使用意愿有显著影响。此外,态度不影响它。这项研究的结果有利于银行家,使他们能够积极地告知消费者有关他们的抵押贷款产品,以提高消费者的使用意愿。消费者也可以选择最适合自己的按揭产品,在贷款期间有安全感和便利性。
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引用次数: 0
When Satisfaction Is Not Enough to Build a Word of Mouth and Repurchase Intention 当满意不足以建立口碑和再次购买意愿时
Pub Date : 2021-08-31 DOI: 10.21776/ub.apmba.2021.010.01.1
I. E. T. Kusuma, Ni Nengah Wida Yasmari, A. Agung, Nengah Landra
This study aims to measure the impact of service quality on word of mouth (WOM) and repurchase intention mediated by customer satisfaction. Design/methodology/approach: This cross-sectional study was conducted in all branches of Bank BPD Bali in Bali involving 91 Western Union customers at Bank BPD Bali as respondents. The research hypothesis was tested using a second order model processed by Structural Equation Modeling (SEM) analysis techniques with PLS software. Findings: Satisfaction has "tired" itself as a mediating buffer of quality of service to build loyalty or intention to buy back and word of mouth positive. The evidence shows, service quality has a positive and significant effect on word of mouth and repurchase intention, but satisfaction fails to mediate the effect of service quality on word of mouth and repurchase intention. Customer satisfaction does not affect word of mouth and repurchase intention Practical/implications: Service quality programs must be able to consider other effects besides satisfaction to build word of mouth and repurchase intention. Satisfaction is dynamic and difficult to maintain when competition is getting tougher.
本研究旨在测量服务品质对口碑(口碑)和顾客满意介导的再购买意愿的影响。设计/方法/方法:本横断面研究在巴厘岛BPD银行的所有分行进行,涉及91名西联汇款巴厘岛银行的客户作为受访者。利用PLS软件对结构方程建模(SEM)分析技术处理的二阶模型对研究假设进行了检验。研究发现:满意度本身具有“累”的中介缓冲作用,对服务质量建立忠诚或购买意愿和口碑的正向影响。研究结果表明,服务质量对口碑和再购买意愿有显著的正向影响,但满意度不能中介服务质量对口碑和再购买意愿的影响。实践/启示:服务质量方案必须能够考虑满意度之外的其他影响,以建立口碑和再购买意愿。当竞争越来越激烈时,满意度是动态的,很难维持。
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引用次数: 0
The Role of Leadership and Decision-Making under Crisis: A bibliometric analysis and scientific evolution from 1962 to 2020 危机下领导与决策的作用:1962 - 2020年文献计量学分析与科学演进
Pub Date : 2021-08-31 DOI: 10.21776/ub.apmba.2021.010.01.3
Harry Patria
The unprecedented importance of leadership and decision-making under recent pandemic and economic crises boosts the development of this research domain. This study shed light on the published works of leadership and decision-making under crises which have had the greatest contribution and evolutionary scientific paths over the decades, which are: (1) inspect the scientific anatomy of earlier works and their main structures; (2) scrutinize the scientific trends and the evolutionary path, and (3) recognize theoretical and practical implications. This study generates its analysis based on R programming language with a package of ‘bibliometrix’ (a) multidimensional data analysis, (b) intellectual structure and network analysis, (c) conceptual structure and factorial analysis, (d) strategic diagrams and evolution maps, and (e) historical citation network and research collaboration across the world. From this bibliometric study covering 692 articles published in the academic journal from 1962 to 2020, the findings open up an opportunity of how leaders overcome plausible crises by making the right decision through organizational resources, technological capability, people management. Subsequently, the findings can explain the way decisions are made so that prevent the potential crisis in the stage of planning and lessening the harm in the stage of crisis intervention. For theoretical contributions, it appears that future research needs to explore the emerging themes of data mining, artificial intelligence, information system, and information management. In the era of the COVID-19 pandemic, healthcare and crisis management are likely to be addressed by unleashing cutting-edge digital technology such as Artificial Intelligence (AI), Machine Learning (ML), and Internet of Things (IoT).
在最近的流行病和经济危机中,领导和决策的空前重要性推动了这一研究领域的发展。本研究揭示了近几十年来对危机下领导与决策研究贡献最大的已发表著作及其演化的科学路径,主要有:(1)对早期著作及其主要结构进行科学剖析;(2)审视科学趋势和进化路径;(3)认识到理论和实践意义。本研究基于R编程语言,使用“bibliometrix”软件包(a)多维数据分析,(b)智力结构和网络分析,(c)概念结构和析因分析,(d)战略图和演化图,以及(e)全球历史引文网络和研究合作。这项文献计量学研究涵盖了1962年至2020年在学术期刊上发表的692篇文章,研究结果为领导者如何通过组织资源、技术能力、人员管理做出正确决策来克服看似合理的危机提供了一个机会。随后,研究结果可以解释决策的方式,以便在计划阶段预防潜在的危机,并在危机干预阶段减少危害。在理论贡献方面,未来的研究似乎需要探索数据挖掘、人工智能、信息系统和信息管理等新兴主题。在新冠肺炎大流行时代,医疗保健和危机管理很可能通过人工智能(AI)、机器学习(ML)、物联网(IoT)等尖端数字技术得到解决。
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引用次数: 2
Success Of Small-Medıum Mıcro Industrıal Busıness Management Based On Busıness Envıronment, Busıness Management, Creatıvıty And Innovatıon In West Java Provınce Indonesıa 基于Busıness Envıronment、Busıness Management、Creatıvıty和Innovatıon的西爪哇Small-Medıum Mıcro Industrıal Busıness管理的成功Provınce Indonesıa
Pub Date : 2021-08-31 DOI: 10.21776/ub.apmba.2021.010.01.6
Dwi Gemina, S. Harini, Endang Silaningsih
The Micro, Small, and Medium industries (MSMI) have an essential role as a driver of the economy in Indonesia. The sector MSMI opportunities can provide employment that can reduce unemployment and contribute to Gross Domestic Product (GDP). In addition, several types of products from this sector through exports contribute to generating foreign exchange. The objectives of this study: 1) analyze the direct and indirect effects of the business environment and business management on creativity and innovation and business success; 2) analyze the factors driving and inhibiting creativity and innovation; 3) analyze the factors driving and inhibiting business success: survey research methods and forms of descriptive and verification research. The research object of MSMI snack food in West Java Province was 150 respondents. Sampling using technique random sampling is based on areas that have the potential for industrial development (industrial centers) consisting of three areas, namely Bogor, Sukabumi, and Cianjur, which have a large number of  MSMI  with superior products that have potential and become priorities for development. This research used the analysis technique SEM or Structural Equation Modeling. The results show that there are direct and indirect effects of the business environment, business management on creativity and innovation as well as business success; the driving factors for creativity and innovation as well as business success are the business environment and business management.
中小微产业(MSMI)作为印尼经济的驱动力发挥着至关重要的作用。MSMI部门的机会可以提供就业机会,从而减少失业并促进国内生产总值(GDP)。此外,该部门通过出口生产的几种产品有助于产生外汇。本研究的目的是:1)分析商业环境和企业管理对创造力和创新以及企业成功的直接和间接影响;2)分析推动和抑制创造力和创新的因素;3)分析驱动和抑制企业成功的因素:调查研究方法和描述性和验证性研究的形式。西爪哇省MSMI休闲食品的研究对象为150名受访者。采用技术随机抽样的抽样方法,以具有产业发展潜力的地区(产业中心)为基础,由茂物、素甲umi和仙珠三个地区组成,这些地区拥有大量具有潜力和优先发展的优质产品的MSMI。本研究采用了扫描电镜或结构方程模型分析技术。研究结果表明:企业环境、企业管理对企业创造力和创新以及企业成功存在直接和间接的影响;创造和创新以及商业成功的驱动因素是商业环境和商业管理。
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引用次数: 0
Does Liability of Newness Matter for Digital Startup on Early Stage of Organizational Life Cycle? 在组织生命周期的早期阶段,创新责任对数字创业公司有影响吗?
Pub Date : 2021-08-31 DOI: 10.21776/ub.apmba.2021.010.01.7
Agus Harijanto, S. Maarif, H. Puspitawati, J. Affandi
This study aims to test and analyzes the relationship between organizational life cycle characteristics and survivability of a digital startup in the early stage. In establishing new startup and managing early stage, founders have been facing two-fold pages. On one side, the opportunities exploration and exploitation require freedom to acts. On the other side, newly organization faces liability of newness traps that consider organizational formalization and organizational capability. The relationship among aspects is formulated as two-paths mediating roles on the impact of liability of newness and startup survivability. Questionnaires were distributed to 415 respondents in Greater Jakarta City, Indonesia. The study considered Jakarta represented Indonesian digital startup ecosystem. This newly established and still developing startup ecosystem that characterizes the early stages of OLC is considered relevant to the study. The data was analyzed quantitatively using SEM method. The result shows the linkage between the two-paths of mediating role. Since the opportunities are central of mindset for survivability, external legitimacy becomes antecedents of external opportunities as well as reliability and accountability required from organizational formalization and capability. Founders need to understand and translate the impact of liability of newness to establish an appropriate and better organization formalization and organization capability for startup survivability. This study contributes to enrich the early stage of organizational life cycle theory as well as to enhance startup founders’ managerial practices.
本研究旨在检验和分析数字化创业公司早期组织生命周期特征与生存能力之间的关系。在创立新公司和管理早期阶段,创始人一直面临着两页纸。一方面,机会的探索和利用需要行动的自由。另一方面,新组织面临着考虑组织形式化和组织能力的新颖性陷阱的责任。将各方面之间的关系表述为对新颖性责任和创业生存能力影响的双路径中介作用。在印度尼西亚大雅加达市向415名受访者分发了调查问卷。该研究认为雅加达代表了印度尼西亚的数字创业生态系统。这种新建立的、仍在发展的创业生态系统是OLC早期阶段的特征,被认为与这项研究有关。采用扫描电镜(SEM)对数据进行定量分析。结果表明,中介作用的两条路径之间存在联系。由于机会是生存能力的核心,外部合法性成为外部机会以及组织形式化和能力所需的可靠性和问责制的先决条件。创始人需要理解和转化新责任的影响,以建立适当的、更好的组织形式化和组织能力,以提高创业公司的生存能力。本研究既丰富了早期组织生命周期理论,也有助于提高创业公司创始人的管理实践水平。
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引用次数: 0
The Mediating Role of Commitment Organizational Dimensions Between Job Involvement on Employee Performance: A Cross-Sectional Study 承诺组织维度在工作投入对员工绩效的中介作用:一项横断面研究
Pub Date : 2021-04-30 DOI: 10.21776/ub.apmba.2021.009.03.8
Dade Suparna, Juliansyah Noor
Organizations often cite high job involvement as a critical success factor in achieving higher performance, and it is reinforced by three dimensions of engagement. Therefore, this study was performed to evaluate the functions of three dimensions of organizational commitment regarding employee performance and job involvement. This research was performed via a survey of 346 National Private Banks' supervisors and employees in Banten Province, Indonesia. Then, the hypothetical relationship of the collected data was tested by applying the partial least-squares structural equation. Consequently, the results showed that job involvement influenced normative and affective commitment. These two dimensions were also noted to significantly affect employee performance. Finally, the association between employee performance and job involvement was shown to be influenced by affective commitment. On the contrary, normative and continuance commitment did not mediate this relationship. There was also no support for continuance and normative commitments nor the relationship of job involvement with employee performance. Therefore, job involvement improves employee performance through affective commitment. This implies that human resources managers need to through available resources to promote job involvement and the three dimensions of organizational commitment in their employees. Further study is recommended to test the mediating effect on this relationship
组织经常将高度的工作投入作为实现更高绩效的关键成功因素,并且通过三个维度的投入来加强。因此,本研究旨在评估组织承诺的三个维度对员工绩效和工作投入的作用。本研究是通过对印度尼西亚万丹省346家国家私人银行的主管和员工进行调查进行的。然后,利用偏最小二乘结构方程对所收集数据的假设关系进行检验。结果表明,工作投入对规范性承诺和情感性承诺均有影响。这两个维度也显著影响员工绩效。最后,员工绩效与工作投入之间的关系受到情感承诺的影响。相反,规范性承诺和持续性承诺并没有调解这种关系。也没有支持持续和规范性承诺,也没有支持工作投入与员工绩效的关系。因此,工作投入通过情感承诺提高员工绩效。这意味着人力资源管理者需要通过现有的资源来促进员工的工作投入和组织承诺的三个维度。建议进一步的研究来检验这一关系的中介作用
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引用次数: 0
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APMBA Asia Pacific Management and Business Application
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