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Switching Behavior of Banks' Customers: Does It Exist? 银行客户的转换行为:它存在吗?
Pub Date : 2024-02-29 DOI: 10.26487/hebr.v7i3.5260
Rizky Utami, Hermita Arif, A. Habbe, Faisal Abdullah
Ideally, Indonesia with the largest Muslim population in the world is able to optimize its potential to become the prominent global player in Islamic finance industry. Unexpectedly, Indonesia is ranked at 9th position of global Islamic banking market. Despite the strong support from both government and society, it is ironic that the market share of Islamic bank in Indonesia has just reached 7.09% in 2022, far below its conventional counterpart, in its three decades of age. Employing descriptive quantitative approach, this study examines the presence of switching behavior of society in Indonesia by addressing why the impact of switching behavior has small impact on the market share improvement in the context of Indonesia. A total of 128 respondents were filling the questionnaire based on purposive random sampling fulfilling the criteria of being customer of both Islamic and conventional bank as well as currently working. 
作为世界上穆斯林人口最多的国家,印尼最好能够充分发挥自身潜力,成为全球伊斯兰金融业的佼佼者。令人意想不到的是,印尼在全球伊斯兰银行市场中排名第九。尽管得到了政府和社会的大力支持,但具有讽刺意味的是,2022 年印尼伊斯兰银行的市场份额才刚刚达到 7.09%,远远低于成立三十年的传统银行。本研究采用描述性定量方法,研究了印尼社会中存在的转换行为,探讨了为什么转换行为对印尼市场份额的提高影响较小。通过有目的的随机抽样,共有 128 名受访者填写了调查问卷,这些受访者均符合伊斯兰银行和传统银行的客户以及目前正在工作的条件。
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引用次数: 0
Communication is The Key to Promote Organizational Citizenship Behavior During Restructuring Organization 在组织重组过程中,沟通是促进组织公民行为的关键
Pub Date : 2024-02-29 DOI: 10.26487/hebr.v7i3.5259
Iskandar Arifin, Syamsul Rijal, Anhar Januar Malik
This research was conducted with the aim of answering phenomena, both the factual conditions of the business environment and the results of previous research so that it is beneficial for organizations to adopt the best policies for their organization. Apart from that, conceptually, this research is expected to contribute to the development of knowledge related to restructuring and employee organizational citizenship behavior related to communication. Moreover, the mediating effect of communication on the organization restructuring and organization citizenship behavior are examined through a quantitative technique. The data comes from companies that operate in the manufacturing sector and have undergone restructuring. Data from a sample of 72 emplyees were used to examine the hypothesized models. Results show that communication fully mediated the relationship between organizational restructuring and organizational citizenship behavior.
开展本研究的目的是回答各种现象,既包括商业环境的实际情况,也包括以往的研究成果,从而有利于各组织采取最适合本组织的政策。除此以外,从概念上讲,本研究有望促进与沟通有关的重组和员工组织公民行为相关知识的发展。此外,本研究还通过定量技术研究了沟通对组织结构调整和组织公民行为的中介效应。数据来自于制造业中进行重组的公司。72 名员工的样本数据被用来检验假设模型。结果表明,沟通在组织结构调整与组织公民行为之间起到了完全的中介作用。
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引用次数: 0
Transformation of SMEs: Strengthening Entrepreneurship and Product Innovation as Key Drivers of Business Evolution 中小企业转型:加强创业精神和产品创新,将其作为企业发展的关键驱动力
Pub Date : 2024-02-20 DOI: 10.26487/hebr.v7i3.5239
Bahtiar Herman, Shahid Bashir, Khaerunnisa Nur Fatimah Syahnur, Haslindah Haslindah, Y. Absah
The important role of Small and Medium Enterprises (SMEs) in driving economic growth requires a deep understanding of the factors that influence their performance. The number of samples in this study was 175 respondents, processed using the Structural Equation Modeling (SEM) method through the AMOS (Analysis of Moment Structure) program. This research explores the dynamics of entrepreneurial competence and product innovation as the main determinants of SME success. In the context of SMEs that have survived for two years in Gowa Regency, South Sulawesi, this research reveals that increasing entrepreneurial competence has a positive impact on business performance. Simultaneously, effective product innovation is proven to make a significant contribution to superior business outcomes. This study also highlights the mediating role of the market environment, demonstrating its influence on the relationship between entrepreneurial competence, product innovation, and business performance. These findings provide valuable insights for policy makers, educators and business actors who aim to increase the competitiveness and adaptability of SMEs amidst rapid business change.
中小企业(SMEs)在推动经济增长方面发挥着重要作用,因此需要深入了解影响其业绩的因素。本研究的样本数量为 175 个,通过 AMOS(矩结构分析)程序使用结构方程建模(SEM)方法进行处理。本研究探讨了作为中小企业成功主要决定因素的创业能力和产品创新的动态变化。以南苏拉威西省戈瓦县(Gowa Regency)已存活两年的中小企业为背景,本研究揭示了创业能力的提高对企业绩效的积极影响。同时,有效的产品创新也被证明对卓越的业务成果有重大贡献。本研究还强调了市场环境的中介作用,证明了市场环境对创业能力、产品创新和企业绩效之间关系的影响。这些发现为政策制定者、教育工作者和企业参与者提供了宝贵的见解,他们的目标是在快速的商业变革中提高中小企业的竞争力和适应性。
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引用次数: 0
How Financial Literacy, Financial Attitudes and Personality Affect MSMe Management Behavior? Case in Bengkulu 金融知识、金融态度和个性如何影响微型企业的管理行为?明古鲁案例
Pub Date : 2024-01-14 DOI: 10.26487/hebr.v7i3.5126
Dwi Abdul Aziz, Intan Zoraya
MSMEs often ignore the importance of financial management, especially the implementation of appropriate financial management and accounting standards. As a result, financial management becomes a problem for them. Microbusiness actors often don't know much about accounting, and their education also influences their knowledge. This research aims to determine the influence of financial literacy, financial management, financial attitudes and personality on financial management behavior among MSMEs in Bengkulu City. The population of this research is MSME entrepreneurs in Bengkulu. In taking samples using a sampling technique, namely 101 samples. The research results show that financial literacy influences financial management behavior, financial attitudes and personality by 0.428. In addition, the R Square value of 0.851 shows that Financial literacy (X1), Financial Attitude (X2), and Personality (X3) influence Financial Management Behavior (Y) by 85.1%. Independent variables outside the model influence the remaining 14.9%.
中小微企业往往忽视财务管理的重要性,特别是执行适当的财务管理和会计标准。因此,财务管理成为他们的难题。小微企业行为者往往对会计知识知之甚少,他们所受的教育也影响了他们对会计知识的了解。本研究旨在确定财务知识、财务管理、财务态度和个性对明古鲁市中小微企业财务管理行为的影响。研究对象为明古鲁市的中小微企业主。采用抽样技术抽取样本,即 101 个样本。研究结果表明,财务知识对财务管理行为、财务态度和个性的影响为 0.428。此外,0.851 的 R Square 值表明,金融素养(X1)、金融态度(X2)和个性(X3)对金融管理行为(Y)的影响为 85.1%。模型之外的独立变量对其余 14.9%的变量产生影响。
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引用次数: 0
The Role of Entrepreneurial Culture in Improving the Performance of Micro, Small and Medium Enterprises in Yogyakarta 创业文化在提高日惹中小微型企业绩效中的作用
Pub Date : 2024-01-10 DOI: 10.26487/hebr.v7i3.5172
F. Fasiha, Erwin Erwin, Uci Musdalifah
This research aims to explore the influence of entrepreneurial culture on the performance of micro, small and medium enterprises (MSMEs. This research uses quantitative research. The population in this research is MSME actors in Yogyakarta. Sampling uses purposive sampling, resulting that the sample for this research is 101. The data is analyzed using analysis regression. The results of this research show that entrepreneurial culture has an influence on business performance. The results of this research contribute to business actors paying attention to entrepreneurial culture in order to improve business performance. In addition, this research from a theoretical aspect becomes an additional reference regarding the relationship between entrepreneurial culture and performance business for MSMEs
本研究旨在探讨创业文化对中小微型企业绩效的影响。本研究采用定量研究方法。研究对象为日惹的中小微企业参与者。抽样采用目的性抽样,因此本研究的样本为 101 个。数据采用回归分析法进行分析。研究结果表明,创业文化对企业绩效有影响。本研究的结果有助于企业行为者关注企业文化,以提高企业绩效。此外,本研究从理论方面为中小微企业提供了有关创业文化与企业绩效之间关系的更多参考。
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引用次数: 0
Financial Confidence in Financial Satisfaction Through Financial Behavior for Ciputra School of Business Makassar Students 望加锡Ciputra商学院学生金融行为对金融满意度的金融信心
Pub Date : 2022-10-31 DOI: 10.26487/hebr.v6i2.3958
Aldrichnan Aprilio Chandra, Felysia Manggala, Richard Purnama, Yuyun Karystin Meilisa Suade, Nurfadilah
Financial literacy can lead to financial satisfaction (Henager & Anong, 2014). However, the majority of educated people are less content (Grable, J. E., Britt, S., & Cantrell, J., 2007). A person with greater financial literacy is more likely to excercise caution when making financial decisions and, therefore, less likely to feel confidence with their finances. This is also supported by studies by Hira, Fawslow, and Mugenda (cited in Robb & Woodyard, 2011). This study aims to empirically test the causal relationship of financial confidence and financial satisfaction use in relation to financial behavior. This study is an explanatory study aimed at discovering and explaining the causal relationship between variables (Sujarweni, 2019). The results of the study partially indicate a significant effect of financial satisfaction on financial behavior. Financial satisfaction has a positive relationship with financial behavior, Thus, it is concluded that hypothesis 1 is supported and tested by data (received) that financial satisfaction has a positive effect on financial behavior.
金融知识可以导致财务满意度(Henager & Anong, 2014)。然而,大多数受过教育的人不太满足(Grable, J. E., Britt, S., & Cantrell, J., 2007)。一个拥有更高财务知识的人在做财务决定时更有可能谨慎行事,因此,对自己的财务状况不太可能有信心。这也得到了Hira, Fawslow和Mugenda的研究的支持(引用于Robb & Woodyard, 2011)。本研究旨在实证检验财务信心与财务满意使用对财务行为的因果关系。本研究是一项解释性研究,旨在发现和解释变量之间的因果关系(Sujarweni, 2019)。本研究结果部分显示财务满意度对财务行为有显著影响。财务满意度与财务行为之间存在正相关关系,因此,假设1得到了(收到的)数据的支持和检验,即财务满意度对财务行为具有正影响。
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引用次数: 1
FINANCIAL TECHNOLOGY AND DEMOGRAPHIC FACTORS ON WELFARE ANALYSIS 金融科技与人口因素对福利的影响分析
Pub Date : 2022-07-05 DOI: 10.26487/hebr.v6i1.3290
Grisvia Agustin, M. Abbas, I. Dwiputri, L. Prastiwi
Financial technology is very useful in facilitating financial transactions worldwide. It was created to make getting funds and managing finances easier, which can improve people’s welfare. However, it also poses a threat in the form of loans from financial technology lending companies that are not licensed and illegally operate so that customers can be bound by huge interest rates and terrorized by debt collectors. Therefore, this study aims to analyze literacy about financial technology and demographic factors that affect welfare. The analysis results show that most respondents are still ignorant or do not understand the benefits of fin-tech for improving their welfare, and the respondents’ welfare is only affected by age. Although 92% of respondents have savings, these savings do not use fin-tech. Fin-tech is still seen as something that plunges like a shark loan trap, so most respondents still avoid fin-tech for their financial management. Respondents still do not use fin-tech optimally and urgently need education and socialization related to fin-tech.
金融技术在促进全球金融交易方面非常有用。它的创建是为了使获得资金和管理财务更容易,这可以改善人们的福利。然而,它也构成了一种威胁,其形式是来自金融科技借贷公司的贷款,这些公司没有执照,非法经营,从而使客户受到巨额利率的束缚,并受到讨债人的恐吓。因此,本研究旨在分析金融科技素养和影响福利的人口因素。分析结果表明,大多数受访者仍然不了解或不了解金融科技对提高其福利的好处,受访者的福利只受年龄的影响。尽管92%的受访者有存款,但这些存款并不使用金融科技。金融科技仍然被视为像高利贷陷阱一样的东西,所以大多数受访者仍然避免金融科技作为他们的财务管理。受访者仍未充分利用金融科技,迫切需要金融科技相关的教育和社会化。
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引用次数: 0
LOCAL GOVERNMENT BUDGET ORIENTATION: A CRITIQUE OF BUDGET POLICY 地方政府预算取向:对预算政策的批判
Pub Date : 2022-06-30 DOI: 10.26487/hebr.v6i1.3457
M. Mahdalena, A. Andry, Haliah Haliah
This study aims to determine the orientation of the budget in the process of preparing and determining local government budgets. The research was conducted by the local government of Gorontalo City. Habermas’s communicative action theory approach as part of the critical approach was chosen as the method in this research to capture the reality of budget orientation in the preparation and determination of local government budgets. Data collection techniques were carried out through in-depth interviews, observation, and documentation. The informants in this study were from BAPPEDA, members of BANGGAR, and several officials from offices related to regional finance as many as 10 people.This study finds that the act of compromise in the communication pattern of local government administration on budget policies is motivated by political interests. Budget policy decisions are dominated by the power possessed by actors to determine budget priorities. Communication practice is characterized by negotiation and compromise and ignores the value of honesty as a prerequisite for validity to fulfill comprehensive aspects of communication competence (truth, accuracy, honesty). Communication that is built only because of interest as the cause of communicative action is not effective. The results of the study show that the shackles of communication harmony are the basis for consideration for making policy changes by prioritizing rationality to gain legitimacy and trust from the public to government administrators.
本研究旨在确定地方政府预算编制和确定过程中的预算取向。这项研究是由哥伦塔洛市当地政府进行的。本研究选择哈贝马斯的交往行为理论方法作为批判方法的一部分,以捕捉地方政府预算编制和确定中预算导向的现实。数据收集技术是通过深入访谈、观察和记录来进行的。本研究的举报人来自BAPPEDA, BANGGAR成员,以及区域金融相关办公室的几名官员,多达10人。研究发现,地方政府预算政策沟通模式中的妥协行为是由政治利益驱动的。预算政策的决定是由行为者所拥有的决定预算优先次序的权力所主导的。交际实践以协商和妥协为特征,忽视了诚实作为履行交际能力综合方面(真实、准确、诚实)的有效性先决条件的价值。仅仅因为兴趣作为交流行为的原因而建立的交流是无效的。研究结果表明,传播和谐的桎梏是制定政策变化的考虑基础,优先考虑理性,以获得公众对政府管理者的合法性和信任。
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引用次数: 0
The Role of E-Business Adoption Towards Improving Msme Performance in Parepare City 采用电子商务对改善城市中小企业绩效的作用
Pub Date : 2022-02-27 DOI: 10.26487/hebr.v5i3.3403
Anis Anshari Masud, N. Nurfadhilah, Bakhtiar Tijjang, Rustan Ali
This study aims to examine and analyze the effect of integrated information systems, technological innovation, and e-business adoption on improving the performance of MSMEs in the manufacturing sector in Parepare City. The data collection method used a questionnaire that was distributed to 71 business actors using the purposive sampling technique. Members of the population as many as 103 samples consist of business owners and the marketing services. The data were analyzed using SEM from the AMOS version 23 application. The results showed that the integrated information system and technological innovation had a positive and significant impact on improving the performance of MSMEs in Parepare City through the adoption of e-business. Use of e-business as an intervening variable has a positive and significant effect on the performance of MSMEs. The implications of this research are expected to be able to contribute to the progress of research in the scope of management and have an impact on MSME actors, especially MSMEs in Parepare City, both trading and manufacturing, by increasing the ability to implement e-business in business processes that can encourage MSMEs to adapt to information systems that integration and innovation of new technologies. This study uses a theoretical model of Technology, Organization, Environment (TOE), the theory in this study provides support and is proven regarding the factors that can affect the use of e-business in terms of technology, organization, and environment.This study aims to examine and analyze the effect of integrated information systems, technological innovation, and e-business adoption on improving the performance of MSMEs in the manufacturing sector in Parepare City. The data collection method used a questionnaire that was distributed to 71 business actors using the purposive sampling technique. Members of the population as many as 103 samples consist of business owners and the marketing services. The data were analyzed using SEM from the AMOS version 23 application. The results showed that the integrated information system and technological innovation had a positive and significant impact on improving the performance of MSMEs in Parepare City through the adoption of e-business. Use of e-business as an intervening variable has a positive and significant effect on the performance of MSMEs. The implications of this research are expected to be able to contribute to the progress of research in the scope of management and have an impact on MSME actors, especially MSMEs in Parepare City, both trading and manufacturing, by increasing the ability to implement e-business in business processes that can encourage MSMEs to adapt to information systems that integration and innovation of new technologies. This study uses a theoretical model of Technology, Organization, Environment (TOE), the theory in this study provides support and is proven regarding the factors that can affect the use of e-business in terms of techno
摘要本研究旨在检视与分析整合资讯系统、科技创新与电子商务应用对柏堤市制造业中小微企业绩效提升之影响。数据收集方法使用了一份问卷,该问卷使用有目的抽样技术分发给71个业务参与者。人口样本多达103个,包括企业主和营销服务人员。使用AMOS版本23应用程序的扫描电镜分析数据。结果表明,综合信息系统和技术创新对pareparecity中小微企业采用电子商务提高绩效具有显著的正向影响。使用电子商务作为中介变量对中小微企业绩效有显著的正向影响。预计本研究的意义能够促进管理领域的研究进展,并对中小微企业参与者产生影响,特别是pareparecity的中小微企业,包括贸易和制造业,通过增加在业务流程中实施电子商务的能力,可以鼓励中小微企业适应集成和创新新技术的信息系统。本研究采用技术、组织、环境(Technology, Organization, Environment, TOE)的理论模型,从技术、组织和环境三个方面对影响电子商务使用的因素提供了理论支持和实证。摘要本研究旨在检视与分析整合资讯系统、科技创新与电子商务应用对柏堤市制造业中小微企业绩效提升之影响。数据收集方法使用了一份问卷,该问卷使用有目的抽样技术分发给71个业务参与者。人口样本多达103个,包括企业主和营销服务人员。使用AMOS版本23应用程序的扫描电镜分析数据。结果表明,综合信息系统和技术创新对pareparecity中小微企业采用电子商务提高绩效具有显著的正向影响。使用电子商务作为中介变量对中小微企业绩效有显著的正向影响。预计本研究的意义能够促进管理领域的研究进展,并对中小微企业参与者产生影响,特别是pareparecity的中小微企业,包括贸易和制造业,通过增加在业务流程中实施电子商务的能力,可以鼓励中小微企业适应集成和创新新技术的信息系统。本研究采用技术、组织、环境(Technology, Organization, Environment, TOE)的理论模型,从技术、组织和环境三个方面对影响电子商务使用的因素提供了理论支持和实证。
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引用次数: 7
E-Tourism, Personal Technology Post-Adoption Behavior and, Sustainable Behavior Intention in Indonesia 印度尼西亚的电子旅游、个人技术采用后行为与可持续行为意愿
Pub Date : 2022-02-27 DOI: 10.26487/hebr.v5i3.3411
Merinda Pandowo, Imelda W. J. Ogi, Claudia Wanda Melati Korompis, Christoffel M. O. Mintardjo
E-tourism's behavior of e-tourism in minimizing the use of natural resources and costs gives birth to sustainable behavior in the form of environmentally friendly tourism and digital technology. This study aims to examine the effects of technology-based post-adoption behavior by tourists that lead to sustainable behavior. Predictors of technology usage using some of the UTAUT2 models. The survey was conducted in Indonesia on respondents in Manado who obtained as many as 100 participants, which were then analyzed using path analysis. The research findings show that the UTAUT 2 model, namely the relationship between hedonic motivation, price value, and habit, affects sustainable behavior mediated by behavior intention. These findings contribute to the development of technology-based marketing and tourism management. Some limitations, as well as implications, are also disclosed in this article.
电子旅游在最大限度地减少自然资源和成本的使用方面的电子旅游行为催生了以环境友好型旅游和数字技术为形式的可持续行为。本研究旨在考察旅游者基于技术的采用后行为对可持续行为的影响。使用一些UTAUT2模型预测技术使用情况。该调查是在印度尼西亚的万纳多对多达100名参与者进行的,然后使用路径分析对其进行分析。研究结果表明,享乐动机、价格价值和习惯之间的UTAUT 2模型影响行为意向介导的可持续行为。这些发现有助于以技术为基础的营销和旅游管理的发展。本文还揭示了一些限制和含义。
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引用次数: 2
期刊
Hasanuddin Economics and Business Review
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