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

Analysis of Financial Literacy on Community Investment Decisions (Study in Tanjung Medan Village, Labuhanbatu Regency)

Mulkan Ritonga; Rahma Muti'ah — Tue, 31 Oct 2023 00:00:00 +0000

This study aims to analyze the impact of financial knowledge on individual investment decisions. The tests focus on each indicator to determine which factors most influence individual investment decisions. This study involved 80 respondents residing in Tanjung Medan Village and were identified using a non-probability sampling technique with a purposive sampling design. This study is descriptive and quantitative with primary data collected using questionnaire techniques. The results of the study show that financial literacy indicators, specifically general financial knowledge, lending and saving, investing and risk management, have a positive and significant impact on decision-making. investment decisions, both partially and simultaneously, in which loan and savings indices have the dominant influence. Meanwhile, in the determination coefficient test, financial knowledge has an 89.70% influence on people's investment decisions, the rest is affected by other factors not considered in the study.

Digital Marketing Development Strategy for Sharia Consumer Cooperatives with Business Model Canvas

Tue, 31 Oct 2023 00:00:00 +0000

Globalization has brought increasingly fierce competition for Islamic cooperatives, which threatens their survival in the market. As one of the important business sectors, sharia cooperatives need to develop strategies to remain relevant in various services, including financial services. The purpose of this study is to evaluate the business model and provide alternative recommendations for developing digital marketing with a business model canvas approach. This study uses a qualitative method with a business model canvas approach and the selected sharia cooperative model is the Baiturrahman Mitra Umat Sharia Consumer Cooperative (KKS). The results showed that the Baiturrahman Mitra Umat PSC experienced growth. The strategy that needs to be implemented should focus on growth that improves service, profit, and exploring new opportunities by prioritizing the role of digitalization for the marketing process of cooperative services. This strategy is formulated based on nine elements of the business model canvas, including customer segments, value proposition, distribution channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure.

Keywords:business model canvas, digital marketing, sharia cooperative, marketing strategy

The Influence of Corporate Culture and Compensation on Employees Commitment: The Role Of Satisfaction Work As Variables Intervening

Tue, 31 Oct 2023 00:00:00 +0000

This research aims to analyze the influence of company culture and compensation To Commitment Work Dano Permai Housing Employees: The Role of Satisfaction Work As Variable Intervening . This type of research is quantitative research and the respondents for this research as a sample are Dano Permai Housing in Labuhanbatu Regency with 40 employees . The data analysis method uses Partial Least Square (PLS) with smartPLS software . Research shows that company culture has a positive effect on employee work commitment , compensation has a positive effect on employee work commitment , company culture and compensation have a positive effect on employee work commitment through job satisfaction as an intervening variable

Keywords: Company Culture, Compensation, Work Commitment, Job Satisfaction

The Influence of Job Satisfaction on Organizational Commitment

Hapipuddin Hapipuddin, Zulkifli Musannip Efendi Siregar, Ade Parlaungan Nasution — Tue, 31 Oct 2023 00:00:00 +0000

This research aims to determine the effect of job satisfaction on work commitment. The research method was quantitative research. The sample in this research was 30 teachers. The data was processed using SMART PLS analysis techniques. The research results show that there is an influence between job satisfaction and teacher work commitment. This means that increasing teacher job satisfaction will increase teacher commitment to work. Researchers provide suggestions to further increase teacher work commitment by increasing teacher satisfaction in carrying out their duties.

Keywords: Job Satisfaction, Organizational Commitment

The Influence of Liquidity and Solvability on the Bond Ratings of Indonesia stock exchange : Evidence From the Raw Materials Sector

Rifma Istifariana, Sumilir Sumilir, Yudi Nur Supriadi — Tue, 31 Oct 2023 00:00:00 +0000

Bonds are issued by companies and government agencies seeking capital with long-term debt. Bonds still carry risks for investors, namely the possibility of default, like other financial assets . Bond ratings are one indicator that can be used to measure this risk. Liquidity and sovability ratios can be used as indicators that can assess a company's capacity to pay all short and long term debts on time. The aim of this research is to examine the influence of liquidity ratios and solvency ratios on the bond ratings of basic materials sector companies listed on the Indonesia Stock Exchange. The objects of observation in this research are all public companies in the basic materials sector which are listed on the Indonesia Stock Exchange and whose bonds are rated by PT. Pefindo during the 2017-2021 period. Observations were taken using a purposive sampling technique because they have certain criteria. The method used in this research uses panel data regression analysis techniques with the help of E-Views 12. The research results show that 1) liquidity can be used as a benchmark to influence the rating of a bond and 2) the solvency ratio cannot be used as a benchmark that can influence the rating of a bond.

Key words: bonds; bond ratings; liquidity ratio; solvency ratio; cash ratio; debt to equity ratio

Analysis of Job Embeddedness as Mediation in the Relationship between Work Life Balance on Turnover Intention

Tue, 31 Oct 2023 00:00:00 +0000

This research has the primary aim of delving deeper into the relationship between work-life balance and turnover intention while considering job embeddedness as an intermediary factor. A total of 180 employees participated in this study, which used a quantitative research approach. Data analysis was conducted using the Structural Equation Model (SEM) with the application of the Partial Least Square (PLS) methodology. The research findings highlight that work-life balance significantly influences the likelihood of turnover intention among employees. However, it's important to note that while work-life balance does affect job embeddedness, this effect doesn't directly translate into affecting turnover intention when the mediation of job embeddedness is considered. This research holds substantial significance for organizations as it offers a deeper understanding of strategies to minimize turnover rates, ultimately contributing to the establishment of a robust and sustainable business framework in the long term. This emphasizes the critical role of effective human resource management in achieving these objectives.

Keywords : Work Life Balance, Job Embeddedness, Organizational Commitment, Turnover Intention.