International Journal of Business, Technology and Organizational Behavior (IJBTOB)

Determinants of Mobile Banking Adoption Among Customers of Agricultural Development Bank

Kyei Kwabena — 2023-08-29

The study sought to analyse the determinants of mobile banking adoption among bank customers of Agricultural Development Bank. Explanatory design of quantitative approach was used. A simple random sampling technique was used to select 420 respondents of which 380 successfully responded yielding a 90% response rate. Questionnaire was the main data collection instrument used and the data collected are analyzed using Structural Equation Modeling. The study found that communication, pursuance, perceived risk, perceived usefulness and transaction speed as the significant determinants of mobile banking adoption. In addition, respondents identify poor internet connectivity and high service charges as the main challenges associated with mobile banking. Therefore, it is recommended that Agricultural Development Bank should ensure speed and cost efficiency in its mobile banking service. Furthermore, mobile banking departments activities need to be closely supervised and audited in evaluating the developments, expansions and challenges of services rendering.

The Influence of Brand Image, Service Quality and Price Perception on Intervention to Repurchase Mulia Metal Gallery 24 With Customer Satisfaction as An Intervening Variable (Gallery 24 Regional Central Java)

Muhammad Tarmuji — 2023-08-29

This study aims to determine and explain the influence of brand image, service quality and price perceptions on repurchase intention with customer satisfaction as the intervening variable. This research is a quantitative study with Galeri 24 customers in the Central Java region as the population. The sample of this research is 160 respondents from Gallery 24 customers in the Central Java Region with a non-probability sampling technique. The data sources for this research are primary and secondary data. The data analysis method uses SEM-PLS with SmartPLS version 3.2.0 software. (1) The results of the study show that brand image, service quality and price perceptions have a significant positive effect on customer satisfaction. (2) Customer satisfaction and price perceptions have a positive and significant impact on repurchase intention. (3) Brand Image and Service Quality have no direct effect on repurchase intention. (4) Customer satisfaction has a positive and significant effect in mediating brand image, service quality and price perceptions on repurchase intention

Keywords: Brand Image, Service Quality, Perceived Price and Repurchase Intention

The Influence of Online Customer Review, Customer Rating, and Viral Marketing on Purchase Decisions in Generation Z at Tokopedia

Aida Faradilla Kamal — 2023-08-29

Tokopedia is the most visited e-commerce platform in Indonesia. But now there is a problem because Tokopedia is still below its competitors in purchasing decisions for generation Z. So the problem formulation in this study is whether customer reviews, customer ratings, and viral marketing influence purchasing decisions. This study has the objective of knowing, proving, and analyzing the influence of customer reviews, customer ratings, and viral marketing on purchasing decisions. The population in this study is generation Z consumers who have made purchases at Tokopedia in Jakarta. The sample used was 100 respondents, with quantitative data types and non-probability sampling methods (purposive sampling). The analysis technique uses Partial Least Square (PLS) with SmartPLS 3.0 software. The results of this study indicate that the variables customer review, customer rating, and viral marketing have a positive and significant impact on purchasing decisions. This study obtained the result that the customer review variable had the highest influence on the t-statistic test, which was 49.2%.

Keywords:customer reviews, customer ratings, viral marketing,purchase decision, e-commerce

Analysis of the Influence of Corporate Social Responsibility, Profitability, Leverage and Activity on Energy Sector Company Value

Mohamad Katami Aji Saputra — 2023-08-29

This study aims to determine the effect of Corporate Social Responsibility proxied with CSR funds, Profitability proxied with Return On Asset (ROA), Leverage proxied by Debt to equity Ratio (DER) and Activity proxied by Inventory Turnover (ITO) toward Firm Value proxied by Price to Book Value (PBV). Population in this study are energy companies listed on Indonesia Stock Exchange (IDX) 2017-2021. The technique of determination of the sample using the method of purposive sampling and obtained 37 sector energy companies with a research period of five years. Hypothesis testing in this research using Data Panel Regression Analysis with E-Views 12.0 program and significance level of 5%. The result of the research shows that (1) corporate social responsibility (CSR funds) no significant effect on firm value (PBV), (2) profitability (ROA) has a significant positive effect on firm value (PBV), (3) Leverage (DER) has significant positive effect on firm value (PBV), (4) activity (ITO) no significant effect on firm value (PBV).

Keywords: corporate social responsibility, profitability, leverage, activity and firm value

An Inquiry to the Working Environment Inclusivity among LQBTQ Members: A Multi-Level Mixed Design Models

Bhrendelyn B. Navales — 2023-08-29

Social identities are significant in many facets of life since they aid in self-definition and influence how people interact with one another. Today's workforce needs more diversity and complete inclusion, despite apparent corporate backing and indications of advancement. Similarly, despite a rising commercial case for inclusiveness, the LGBTQ+ group has not seen significant advancements in the workplace. Therefore, this study aimed to ascertain whether LGBTQ employees in Cavite now work in an inclusive atmosphere. In order to investigate and comprehend the workplace acceptance of LGBTQ employees, the study used a mixed research approach. Most of the volunteers were between the ages of 25 and 34, single, recent graduates of a trade school, and served for two to three years at work. This suggested that older millennials made up the majority of the participants. The majority of participants agreed that they felt an inclusive work environment facilitated their professional development. The majority of the literature emphasizes management's dominance and commitment to advancement as key reasons why LGBTQ employees stay at their place of employment. In addition, the multilevel analysis with parallel segments for understanding the working environment among LGBTQ members serves as a framework for developing strategies for the inclusion and diversity of LGBTQ employees in the workplace. It was revealed that the inclusion of LGBTQ members in the workplace had no discernible dynamic effect on their profile. Hence, the study recommends strategies to further foster workplace inclusion.

Keywords: gender, LGBT, inclusivity, social identity, workplace, mixed design

Analysis Of Profitability Performance In Sharia Commercial Banks Period 2018 – 2022

Olfat Rayfadil Nabawi — 2023-08-29

Abstract

This study aims to analyze the factors influencing the profitability ratio of Islamic Commercial Banks during the period 2018-2022. The research method used in this study is panel regression analysis. The data utilized is panel data comprising several Islamic commercial banks registered with the Indonesian Financial Services Authority (OJK) over the five-year period. The dependent variable in this research is the profitability ratio, measured by return on assets (ROA). The independent variables include factors believed to affect profitability, such as liquidity, capital adequacy, and non-performing financing. The analysis results indicate that liquidity, capital adequacy, and non-performing financing do not have a significant impact on profitability. This study contributes to the understanding of the factors influencing the profitability of Islamic commercial banks in Indonesia. The findings can be utilized by bank management and regulators to improve financial performance and identify crucial factors for optimizing the profitability of Islamic commercial banks.

Keywords: profitability, sharia commercial banks, liquidity, capital, non-performing financing.