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The Influence of Financial Literacy, Attitude toward Debt, Risk Perception, and Religiosity on Financial Satisfaction (Study on Bank Employees in East Java) 金融素养、债务态度、风险认知和宗教信仰对金融满意度的影响(对东爪哇银行员工的研究)
Pub Date : 2023-10-12 DOI: 10.24123/jeb.v4i3.5944
Risna Wijayanti, Sindy Eka Yulianti Cahyaningtyas, Niken Wahyu Ismayanti
Purpose: to contribute to further research on the conceptualization of financial satisfaction as a specific individual satisfaction domain based on subjective behavioral studies using a judgment approach. Financial Satisfaction is mostly studied based on standard economic theory which uses an objective approach in determining individual satisfaction with their financial conditions such as income, socio-demography, socio-capital, and socio-economy. This research examines several subjective variables in the form of judgment and examines the integrated relationship between these variables such as financial literacy, risk perception, attitudes toward debt, and religiosity. Method: The sample for this research was 100 bank employees in East Java using a random sampling method. The analysis technique used is SEM PLS. Result: The results show that financial literacy influences financial satisfaction among bank employees in East Java. Likewise, attitudes toward debt and religiosity also show an influence on financial satisfaction. Meanwhile, risk perception has no effect on financial satisfaction among bank employees in East Java.
目的:在主观行为研究的基础上,运用判断方法进一步研究财务满意度作为一个特定的个人满意度领域的概念化。财务满意度的研究主要基于标准的经济理论,它使用客观的方法来确定个人对其财务状况的满意度,如收入、社会人口、社会资本和社会经济。本研究以判断的形式考察了几个主观变量,并考察了这些变量之间的综合关系,如金融素养、风险认知、对债务的态度和宗教信仰。 方法:采用随机抽样方法,以东爪哇100名银行员工为研究对象。使用的分析技术是SEM PLS。结果:东爪哇地区银行员工财务素养对财务满意度有显著影响。同样,对债务和宗教信仰的态度也对财务满意度有影响。同时,风险认知对东爪哇银行员工的财务满意度没有影响。
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 Method: The sample for this research was 100 bank employees in East Java using a random sampling method. The analysis technique used is SEM PLS. 
 Result: The results show that financial literacy influences financial satisfaction among bank employees in East Java. Likewise, attitudes toward debt and religiosity also show an influence on financial satisfaction. Meanwhile, risk perception has no effect on financial satisfaction among bank employees in East Java.","PeriodicalId":53091,"journal":{"name":"IJEBD International Journal of Entrepreneurship and Business Development","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136012978","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}
引用次数: 0
Optimizing Customer Segments of SMEs by Transforming Business Model Canvas 转型商业模式,优化中小企业客户群
Pub Date : 2023-10-10 DOI: 10.24123/jeb.v4i3.5712
None Herald Galingga Wira Shenta
This research examines the business model canvas in developing customer segments through e-commerce channels for Small and Medium Enterprises (SMEs). SMEs are expected to be sustained by reviewing their business model canvas (BMC) and finding the most potential block of BMC to be developed so that the SMEs could keep contributing to the growth of the Gross Domestic Product. However, not all SMEs have qualified managerial and technical skills to determine their potential. The BMC analysis helps SMEs to unlock their potential value. This study uses a qualitative approach by assisting one of the SMEs from Jakarta, Indonesia. The tools used to analyze are; Business Model Canvas, Porter's Five Forces, VRIO analysis, and SWOT analysis The results of the new mapping of the business model canvas by updating certain parts of the business model canvas impact increasing market access for SMEs. They can open a new paradigm for increasing SME market access, which can be done by changing one of the components of the business model canvas.
本研究考察了通过电子商务渠道为中小企业(SMEs)开发客户群的商业模式画布。中小企业希望通过检讨其商业模式画布(BMC)并找到最具潜力的BMC区块来发展,从而使中小企业能够继续为国内生产总值的增长做出贡献。然而,并非所有中小企业都具备确定其潜力的合格管理和技术技能。BMC分析帮助中小企业释放潜在价值 本研究采用定性方法,协助印尼雅加达的中小企业之一。用于分析的工具有;商业模式画布、波特五力、VRIO分析和SWOT分析 通过更新业务模型画布的某些部分,对业务模型画布进行新映射的结果影响了中小型企业的市场准入。它们可以为增加中小企业市场准入开辟一个新的范例,这可以通过更改业务模型画布的一个组件来实现。
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 This study uses a qualitative approach by assisting one of the SMEs from Jakarta, Indonesia. The tools used to analyze are; Business Model Canvas, Porter's Five Forces, VRIO analysis, and SWOT analysis
 The results of the new mapping of the business model canvas by updating certain parts of the business model canvas impact increasing market access for SMEs. They can open a new paradigm for increasing SME market access, which can be done by changing one of the components of the business model canvas.","PeriodicalId":53091,"journal":{"name":"IJEBD International Journal of Entrepreneurship and Business Development","volume":"34 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136353076","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}
引用次数: 0
Application Failure Mode Effect Analysis for Risk Management in New Costumer Acceptance Project in Garment Industry with approaching Project Management Body of Knowledge 基于项目管理知识体系的服装行业新客户验收项目风险管理应用失效模式效应分析
Pub Date : 2023-10-06 DOI: 10.24123/jeb.v4i3.5726
Diah Rahmawati, A.A.N. Perwira Redi
Purpose: This research aims to identify risks at the time of fulfillment of the requirements set by the customer and determine their mitigation. Method: In order to achieve the goal, researchers use the PMBOK approach that focuses on risk management by creating WBS and RBS. From the existing risks assessed using the FMEA method by conducting a survey to get the S, O and D values then calculating the RPN. Result: the highest RPN value in this study is 330 at risk 5.2. The understanding of PIC system and procedures in making the system, based on the result of brainstorming is decided that the mitigation is recruiting employee who is experienced in applying BSCI and factory evaluation audits due to the unavailability of employees who will become PIC compliance.
目的:本研究旨在识别在满足客户设定的需求时的风险,并确定其缓解措施。 & # x0D;方法:为了实现目标,研究人员使用PMBOK方法,通过创建WBS和RBS来关注风险管理。利用FMEA方法对现有风险进行评估,通过调查得到S、O和D值,然后计算RPN。& # x0D;& # x0D;结果:本研究RPN最高值为330,风险5.2。根据头脑风暴的结果,对PIC系统和程序的理解决定,由于无法获得将成为PIC合规的员工,因此缓解措施是招聘在应用BSCI和工厂评估审核方面有经验的员工。
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 Method: In order to achieve the goal, researchers use the PMBOK approach that focuses on risk management by creating WBS and RBS. From the existing risks assessed using the FMEA method by conducting a survey to get the S, O and D values then calculating the RPN. 
 
 Result: the highest RPN value in this study is 330 at risk 5.2. The understanding of PIC system and procedures in making the system, based on the result of brainstorming is decided that the mitigation is recruiting employee who is experienced in applying BSCI and factory evaluation audits due to the unavailability of employees who will become PIC compliance.","PeriodicalId":53091,"journal":{"name":"IJEBD International Journal of Entrepreneurship and Business Development","volume":"19 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135350595","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}
引用次数: 0
The Effect of Online Customer Reviews on Purchase Intention With Customer Trust as A Variable in Purchase Decision on Sociolla Consumers 在线顾客评论对社会消费者购买意愿的影响,顾客信任为购买决策变量
Pub Date : 2023-10-06 DOI: 10.24123/jeb.v4i3.5764
Christina Kelly Tanuwijaya, Lena Ellitan, Robertus Sigit Haribowo Lukito
Purpose: This study aims to analyze the effect of Online Customer Reviews on purchase intention with customer trust as a purchasing decision variable for Sociolla consumers. Method: This research is using the Non Probability Sampling method with Purposive Sampling. The sample used in this study was 250 respondents with characteristics; Men and women aged 17 years and over, know and have an account on the Sociolla website, and have also shopped at Sociolla in the last 3 months. Data was collected by distributing questionnaires and using the SEM-PLS Software 4.0 analysis technique for analysis. Results: The results of this study indicate that Online Customer Reviews has a positive influence on customer trust on the Sociolla website, customer trust has a positive influence on consumer buying interest to shop online, and Online Customer Reviews has a positive influence on consumer buying interest through customer trust to shop on line.
目的:本研究旨在以顾客信任为购买决策变量,分析网上顾客评论对社会消费者购买意愿的影响。 方法:本研究采用目的性抽样的非概率抽样方法。本研究使用的样本为250名具有特征的受访者;17岁及以上的男性和女性,了解并拥有Sociolla网站的帐户,并在过去3个月内曾在Sociolla购物。通过发放问卷收集数据,采用SEM-PLS Software 4.0分析技术进行分析。 结果:本研究结果表明,网上顾客评论对Sociolla网站的顾客信任有正向影响,顾客信任对消费者网上购物的购买兴趣有正向影响,网上顾客评论通过顾客信任对消费者网上购物的购买兴趣有正向影响。
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 Results: The results of this study indicate that Online Customer Reviews has a positive influence on customer trust on the Sociolla website, customer trust has a positive influence on consumer buying interest to shop online, and Online Customer Reviews has a positive influence on consumer buying interest through customer trust to shop on line.","PeriodicalId":53091,"journal":{"name":"IJEBD International Journal of Entrepreneurship and Business Development","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135350598","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}
引用次数: 0
The Decision Factors in Online Food Delivery Services Selection during the COVID-19 Pandemic COVID-19大流行期间在线外卖服务选择的决策因素
Pub Date : 2023-09-30 DOI: 10.17687/jeb.v11i2.936
Afifah Hanim Md Pazil, Nurfarhana Amran, Kasmaruddin Che Hussin
An infectious disease known as Coronavirus disease 2019 (COVID-19) has caused a worldwide health disaster. This issue also significantly impacted the world economy, including Malaysia. The government encourages business operators to shift to online business services to control the spread of the COVID-19 virus. This has caused most businesses, especially the food industry, to change their strategy by operating their company on online platforms. This research investigated the decision factors in online food delivery service selection, specifically amidst the COVID-19 outbreak in Malaysia. To achieve the study’s objective; descriptive analysis, reliability analysis, correlation analysis and multiple linear regression analysis were applied. Safety, time, convenience and price value were the four factors examined. The result discovered that safety, time and price value significantly influence the selection of online food delivery services amidst the COVID-19 pandemic in Malaysia. Among those variables, time was the strongest explanatory factor. The findings of this study may assist the food distribution companies in Malaysia to improve and enhance their service quality to cater to various consumers’ preferences.
一种被称为2019冠状病毒病(COVID-19)的传染病已经造成了一场全球性的卫生灾难。这个问题也严重影响了包括马来西亚在内的世界经济。政府鼓励经营者转向网上商业服务,以控制新冠病毒的传播。这导致大多数企业,尤其是食品行业,通过在线平台运营公司来改变他们的战略。本研究调查了在线外卖服务选择的决策因素,特别是在马来西亚COVID-19爆发期间。达到研究的目的;采用描述性分析、信度分析、相关分析和多元线性回归分析。安全性、时间、便利性和价格价值是考察的四个因素。结果发现,在马来西亚新冠肺炎疫情期间,安全性、时间和价格价值显著影响在线外卖服务的选择。在这些变量中,时间是最强的解释因素。本研究的结果可以帮助马来西亚的食品配送公司改善和提高他们的服务质量,以迎合不同消费者的偏好。
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引用次数: 0
Working Capital Management And Firms’ Profitability In Emerging Markets: The Case Of Nigeria Listed Consumer Goods Companies 营运资本管理与新兴市场企业盈利能力:以尼日利亚消费品上市公司为例
Pub Date : 2023-09-30 DOI: 10.17687/jeb.v11i2.1063
Taophic Olarewaju Bakare, Almustapha Alhaji Aliyu, Abdulfatai Olanrewaju Nurudeen, Kamoru Segun Fakunmoju
Detrimental impact of various global financial crises on manufacturing enterprises' ability to meet their financial obligations as well as recover money from customers has rendered numerous businesses inoperable. This study examined working capital management and firms’ profitability in emerging market, Nigeria listed consumer goods companies for the period 2011-2021. Data were extracted from the financial statement of the sampled companies with the use of purposeful sampling technique. Using the GMM estimator technique, the finding revealed that account payable has positive and statistically significant effect on return on equity while cash conversion circle has negative and insignificant effect at 5% level of significant respectively. The study concluded that accounts payable was found to increase the likelihood of profitability. Therefore, governments should make efforts to provide adequate infrastructure, such as a constant and stable electricity supply, a good road network, and a rail system, to facilitate cost-effective production and the movement of goods.
各种全球金融危机对制造业企业履行其财务义务以及从客户那里收回资金的能力造成了不利影响,使许多企业无法经营。本研究考察了2011-2021年期间尼日利亚新兴市场上市消费品公司的营运资本管理和公司盈利能力。数据是从使用有目的的抽样技术的抽样公司的财务报表中提取的。运用GMM估计技术,发现应付账款对净资产收益率具有正的、统计学显著的影响,而现金转换周期分别在5%显著水平上具有负的、不显著的影响。研究得出的结论是,应付账款增加了盈利的可能性。因此,政府应努力提供充足的基础设施,如持续稳定的电力供应、良好的道路网络和铁路系统,以促进具有成本效益的生产和货物流动。
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引用次数: 0
Factors Influencing Customer Satisfaction In Using J&T Express Service Delivery During Covid-19 Pandemic In Malaysia 影响马来西亚新冠肺炎疫情期间使用捷运服务客户满意度的因素
Pub Date : 2023-09-30 DOI: 10.17687/jeb.v11i2.933
Nurul Nahwal Amini Jaafar, Yuhanis Mohamed Noor, Afifah Hanim Md Pazil
On April 1, 2022, Malaysia transitioned from the Covid-19 pandemic's epidemic phase. The shift to the endemic phase, which allows Malaysians to resume a nearly normal life after two years of fighting the pandemic, is a strategy for exiting the situation. It has produced some unanticipated disruptions, exacerbated some pre-existing trends, and compelled us to make some adjustments to our way of life. Even after COVID-19 is no longer a public health threat, some of these modifications most likely will not disappear. Many of these changes, like the expansion of delivery options for customers and businesses, will be advantageous. Access to goods and services could be made simpler, which could raise everyone's standard of living. In Malaysia, the government urges to utilize the online services and delivery services such as J&T Express. J&T Express is well-known for providing logistical services, particularly in the areas of parcel and document delivery. The purpose of this study was to look into the factors that influence customer satisfaction, such as price, reliability, and responsiveness, when using J&T Express Service Delivery during the COVID-19 Pandemic in Malaysia. These factors are critical since customers are likely to remain satisfied till services become more enticing. The analysis was carried out using the Statistical Package for Social Science Software version 26 and an online survey questionnaire distributed to 150 respondents (SPSS 26). Descriptive analysis and multiple linear regression analysis were used to analyze the data. This study proves that responsiveness variable is the most influential factor influencing customer satisfaction in using J&T Express delivery service during the COVID-19 pandemic among customers in Malaysia. Therefore, J&T Express Delivery need to pay attention on the responsiveness element to ensure the quality of services provided to customers that can boost customer satisfaction.
2022年4月1日,马来西亚从新冠肺炎大流行阶段过渡。进入流行病阶段,使马来西亚人在与流行病作了两年的斗争后恢复了几乎正常的生活,这是一种摆脱这种局面的战略。它产生了一些意想不到的破坏,加剧了一些已经存在的趋势,并迫使我们对我们的生活方式做出一些调整。即使在COVID-19不再构成公共卫生威胁之后,其中一些修改很可能不会消失。其中许多变化,比如为客户和企业提供更多送货选择,都将是有利的。获得商品和服务可以变得更简单,这可以提高每个人的生活水平。在马来西亚,政府敦促利用在线服务和快递服务,如J&T Express。美国运通公司以提供物流服务而闻名,尤其是在包裹和文件递送方面。本研究的目的是研究在马来西亚COVID-19大流行期间使用J&T快递服务交付时影响客户满意度的因素,如价格、可靠性和响应能力。这些因素是至关重要的,因为客户可能会保持满意,直到服务变得更加诱人。使用社会科学软件版本26的统计软件包和分发给150名受访者的在线调查问卷(SPSS 26)进行分析。采用描述性分析和多元线性回归分析对数据进行分析。本研究证明响应性变量是影响马来西亚客户在COVID-19大流行期间使用J&T快递服务的客户满意度的最大因素。因此,强生快递需要重视响应性要素,以确保提供给客户的服务质量,从而提高客户满意度。
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引用次数: 0
Issues and Suggestions on RMB Internationalization 人民币国际化的问题与建议
Pub Date : 2023-09-30 DOI: 10.17687/jeb.v11i2.1050
Xiangfu Meng, None Mohd Zulkifli Muhammad, Ahmad Ridhuwan Abdullah, Nurhaiza Nordin
Renminbi (RMB) is the official currency of China, issued and controlled by the People's Bank of China (PBOC). This study analyzes the current problems of RMB internationalization and puts forward suggestions through the status statement of RMB internationalization. This study finds that RMB internationalization has issues of a low level of internationalization, an underdeveloped financial system, and a need for supporting policies for RMB internationalization. In response to the above problems, the research suggests improving China's financial market and increasing openness, increasing policy support to promote RMB internationalization, and developing RMB internationalization cooperation projects.
人民币(RMB)是中国的官方货币,由中国人民银行发行和控制。本研究通过对人民币国际化现状的阐述,分析当前人民币国际化存在的问题,并提出建议。研究发现,人民币国际化存在着国际化水平不高、金融体系不完善、人民币国际化需要政策支持等问题。针对上述问题,研究建议完善中国金融市场,提高开放程度,加大对人民币国际化的政策支持力度,开展人民币国际化合作项目。
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引用次数: 0
Gig Work in Post Pandemic Times: Does it an Agile Work Structure? 后流行病时代的零工工作:它是一种敏捷的工作结构吗?
Pub Date : 2023-09-30 DOI: 10.17687/jeb.v11i2.1014
Syuhaida Mohamed, Nik Hazimah Nik Mat
Gig economy is known as situations where workers work based on demand or known as ‘online gig work’, or on-demand economy’. The purpose of this paper is to explore the effectiveness of gig work configuration to overcome the post pandemic impacts. Qualitative research design is employed to answer the research question. Data for this study was collected from the online sellers in Malaysia using online interview. The phenomenology approach is adopted to analyses the data with labour context perspectives. Thematic analysis was used to interpret the interview data. The underlying assumption of gig works implementation are explored and lead to the understanding of its effectiveness in terms of providing sustainable income and solving financial difficulties due to the Covid-19 impacts. Findings suggest that most Malaysia gig workers was involved in the gig works due to financial difficulties during pandemic. However, the potential of this flexible work structure outnumbered its challenges, suggesting a huge opportunity for gig works system to be utilized by the people. Findings also discovered the awareness among respondents to equip themselves with communication skills, content writing, information technology, leadership skills and product knowledge. The findings imply that the social support could be geared up to assist the people in dealing with the challenges of this flexible work system realizing its huge potential to minimize the detrimental impacts of the pandemic and uncertain economic conditions.
零工经济被称为工人根据需求工作的情况,也被称为“在线零工”或按需经济。本文的目的是探讨零工工作配置的有效性,以克服疫情后的影响。采用质性研究设计来回答研究问题。本研究的数据是通过在线访谈从马来西亚的在线卖家中收集的。本文采用现象学方法,从劳动语境的角度对数据进行分析。采用主题分析对访谈数据进行解释。对零工实施的基本假设进行了探讨,并对其在提供可持续收入和解决新冠疫情影响下的财务困难方面的有效性进行了理解。调查结果表明,由于大流行期间的经济困难,大多数马来西亚零工工人参与了零工工作。然而,这种灵活的工作结构的潜力超过了它的挑战,这意味着人们利用零工工作制度的巨大机会。调查结果还发现,受访者意识到自己需要掌握沟通技巧、内容写作、信息技术、领导技能和产品知识。研究结果表明,可以调整社会支持,以帮助人们应对这种灵活工作制度的挑战,实现其在最大限度地减少大流行和不确定经济状况的有害影响方面的巨大潜力。
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引用次数: 0
Academic Entrepreneurship: A Systematic Review of Literature 学术创业:文献系统回顾
Pub Date : 2023-09-30 DOI: 10.17687/jeb.v11i2.1100
Qudsia Naseer, Azni Zarina Taha, Haslida Abu Hasan
Academic entrepreneurship has received a lot of attention in the academic community and policy makers (Teixeira & Nogueira, 2016). The underlying objective to present study is to conduct the systematic literature review on academic entrepreneurship and its role in developed and developing countries. Total 365 papers from 1990 to 2016 and 158 papers were published during the 2017 to 2020 in Scopus and Web of Science databases, after considering the inclusion and exclusion criteria, total 146 papers were considered in current study. The findings of present study reveals that the definition of academic entrepreneurship is still unclear and most of the studies are from developed economies and so far, literature in unable to consider the research ambidexterity among the individual faculty members. The findings of present study will facilitate the academicians, researchers, universities, and policymakers in understanding the role and significance of academic entrepreneurship.
学术创业受到了学术界和政策制定者的广泛关注(特谢拉&Nogueira, 2016)。本研究的基本目的是对学术创业及其在发达国家和发展中国家的作用进行系统的文献综述。在Scopus和Web of Science数据库中,1990 - 2016年共发表论文365篇,2017 - 2020年共发表论文158篇,综合考虑纳入和排除标准,本研究共纳入146篇。本研究发现,学术界创业的定义尚不明确,研究大多来自发达经济体,迄今为止,文献未能考虑到教师个体的研究双重性。本文的研究结果将有助于学者、研究者、大学和政策制定者理解学术创业的作用和意义。
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引用次数: 0
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IJEBD International Journal of Entrepreneurship and Business Development
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