MBIA

Impact of Agricultural Productivity on Small Farmers' Financial Wellbeing: The Role of Microfinance

2024-12-02T09:27:36+00:00

This study aims to explore the impact of agricultural productivity on farmers' financial wellbeing in Indonesia and the moderating role of microfinance in this relationship. The findings reveal that microfinance has a significant positive impact on farmers' financial wellbeing. Access to microfinance services allows farmers to obtain the necessary credit to invest in high-quality agricultural inputs, such as seeds, fertilizers, and modern equipment, which, in turn, enhances agricultural productivity and farmers' income. Additionally, increased agricultural productivity is significantly positively correlated with financial wellbeing. Higher productivity leads to greater crop yields and increased income from the sale of agricultural products. However, the study also finds that microfinance does not significantly moderate the relationship between agricultural productivity and financial wellbeing. This indicates that while microfinance contributes directly to financial wellbeing, it does not substantially enhance the effect of agricultural productivity on financial outcomes. Other factors, such as market access, infrastructure, and training, may play a more significant role in influencing this relationship.

Tourist Revisit Intention: The Role of Destination Image, Satisfaction and Quality

2024-12-10T07:18:44+00:00

Tourist revisit intention is a key indicator of loyalty that benefits the sustainability of destinations. This study examines the impact of destination image, satisfaction, and quality on revisit intention, focusing on Ambon Island. Using a quantitative approach, we collected data from 151 university students through purposive sampling. Multiple regression analysis revealed that all three variables significantly influence revisit intention, with destination image creating memorable experiences, satisfaction enhancing loyalty, and quality improving overall tourist experiences. The study highlights the need for strategic promotion, improved services, and upgraded infrastructure to boost repeat visits. While limited by its time-specific and location-specific scope, the findings offer valuable insights for enhancing Ambon’s tourism sustainability and long-term development. Future research should expand variables and contexts to provide broader applicability.

Keywords: Destination Image, Destination Satisfaction, Destination Quality, Tourist Revisit Intention

Abstrak

Niat wistawan berkunjung kembali adalah indikator utama loyalitas wisatan yang akan menguntungkan keberlanjutan suatu destinasi wisata. Penelitian ini mengkaji dampak citra, kepuasan, dan kualitas destinasi wisata terhadap niat berkunjung kembali wisatawan di Pulau Ambon. Dengan menggunakan pendekatan kuantitatif, data dikumpulkan dari 151 sampel mahasiswa yang ditentukan dengan metode purposive sampling. Analisis regresi berganda mengungkapkan bahwa ketiga variabel tersebut secara signifikan memengaruhi niat kunjungan kembali, dengan citra destinasi menciptakan pengalaman yang tak terlupakan, kepuasan meningkatkan loyalitas, dan kualitas meningkatkan pengalaman wisatawan secara keseluruhan. Studi ini menyoroti perlunya promosi strategis, peningkatan layanan, dan peningkatan infrastruktur untuk meningkatkan kunjungan berulang. Meskipun dibatasi oleh ruang lingkup khusus waktu dan lokasi, temuan ini menawarkan wawasan berharga untuk meningkatkan keberlanjutan dan pengembangan jangka panjang pariwisata di kota Ambon. Penelitian di masa depan harus memperluas variabel dan konteks untuk memberikan penerapan yang lebih luas.

Kata Kunci : Citra, Kepuasan, Kualitas, Daerah Wisata, Kunjungan.

Komite Manajemen Resiko: Peran Corporate Governance dan Kepemilikan Institusional

2024-12-11T05:45:48+00:00

The main activity of banks as financial intermediary institutions whose main source of income is interest income, which results from funding activities and providing credit to customers, is very high risk. Banks as agents of trust must be managed with the principle of prudence (prudential banking) because they have very high risks and the potential for systemic risk, especially in Indonesia's banking industry and general economic conditions. This study aims to examine the role of corporate governance, which is proxied by the variables of the board of commissioners, independent commissioners, and auditor reputation and institutional ownership in forming a risk management committee. This study uses an explanatory quantitative method with secondary data and multiple linear regression tests. The sample used in the study was 52 obtained from 4 state-owned banks and nine national private commercial banks with total assets above 100 trillion listed on the IDX in the 2019-2022 observation period. The study results showed that the proportion of independent commissioners and auditor reputation (BigFour) encourage the existence of a risk management committee in the company. Meanwhile, the size of the board of commissioners and institutional ownership are independent of the existence of a risk management committee in the company.

Keywords: Board of Commissioners, Independent Commissioners, Big Four, Institutional Ownership.

Abstrak

Kegiatan utama bank sebagai lembaga intermediasi keuangan yang sumber pendapatan utama adalah pendapatan bunga yang merupakan hasil dari kegiatan pendanaan dan pemberian kredit kepada nasabah, maka memiliki risiko yang sangat tinggi. Bank sebagai agent of trust, bank harus dikelola dengan prinsip kehati-hatian (prudential banking), dikarenakan memiliki risiko yang sangat tinggi dan berpotensi risiko sistemik, khususnya di industri perbankan dan tidak terkecuali kondisi perekonomian Indonesia pada umumnya. Tujuan dari penelitian ini adalah untuk menguji peran corporate governance, yang diproksi dengan variabel dewan komisaris, komisaris independen dan reputasi auditor serta kepemilikan institusional dalam pembentukan komite manajemen risiko. Penelitian ini menggunakan metode kuantitatif eksplanatif dengan data sekunder danmenggunakan uji regresi linear berganda. Sampel yang digunakan dalam penentilian sebanyak 52 diperoleh dari 4 bank persero milik pemerintah dan 9 bank umum swasta nasional yang memiliki toal aset di atas 100 triliun yang terdaftar di BEI dalam periode pengamatan 2019-2022. Hasil peneltian diperoleh bahwa, proporsi komisaris independen dan reputasi auditor (BigFour) mendorong keberadaan komite manajemen risiko. Sedangkan ukuran dewan komisaris dan kepemilikan institusional tidak mempengaruhi keberadaan komite manajemen risiko.

Kata kunci: Dewan Komisaris, Komisaris Indpenden, BigFour, Kepemilikan Institusional.

Faktor yang Menciptakan Keputusan Pembelian Online pada Bukalapak

2024-12-28T18:01:36+00:00

The large number of companies offering online sales has resulted in very tight online business competition. Based on the Top Brand Index online buying and selling in 2021-2023, purchases at Bukalapak tended to decline from 9.5% in 2021 to 8.1% in 2022 and even lower to 4.7% in 2023, so that through this study we will analyze the influence of social media, trust and perceived benefits on online purchasing decisions at Bukalapak in Semarang City. The population of this study is consumers who buy products online at Bukalapak. The type of data used is primary data. The data collection method uses a questionnaire. While the analysis technique used is multiple regression analysis. The results of the analysis show that social media has been shown to have a positive and significant effect on purchasing decisions. trust has been shown to have a positive and significant effect on purchasing decisions. perceived benefits have been shown to have a positive and significant effect on purchasing decisions. Based on simultaneous tests, it shows that social media, trust, and perceived benefits have an effect on purchasing decisions together. And the coefficient of determination value shows that the influence of social media, trust, and perceived benefits on purchasing decisions is 75.2% while the remaining 24.8% is influenced by other factors outside this study.

Keywords: Social Media, Trust, Perceived Benefits, Purchase Decisions.

Abstrak

Banyaknya perusahaan yang menawarkan penjualan secara online mengakibatkan persaingan bisnis online menjadi sangat ketat. Berdasarkan Top Brand Index jual beli online tahun 2021 – 2023 pembelian di Bukalapak cenderung menurun dari 9,5% tahun 2021 menjadi 8,1% tahun 2022 dan bahkan lebih rendah lagi menjadi 4,7% pada tahun 2023, sehingga melalui penelitian ini akan menganalisis pengaruh media sosial, kepercayaan dan persepsi manfaat terhadap keputusan pembelian online pada Bukalapak di Kota Semarang. Populasi penelitian ini adalah konsumen yang membeli produk secara online di Bukalapak. Jenis data yang digunakan adalah data primer, metode pengumpulan data menggunakan kuesioner. Sedangkan teknik analisis yang digunakan adalah analisis regresi berganda. Hasil analisis menunjukkan bahwa media sosial terbukti berpengaruh positif dan signifikan terhadap keputusan pembelian. kepercayaan terbukti berpengaruh positif dan signifikan terhadap keputusan pembelian. persepsi manfaat terbukti berpengaruh positif dan signifikan terhadap keputusan pembelian. Berdasarkan uji simultan menunjukkan media sosial, kepercayaan, dan persepsi manfaat berpengaruh terhadap keputusan pembelian secara bersama-sama. Dan nilai koefisien determinasi menunjukkan bahwa pengaruh media sosial, kepercayaan, dan persepsi manfaat terhadap keputusan pembelian adalah sebesar 75,2% sedangkan sisanya 24,8% dipengaruhi oleh faktor lain diluar penelitian ini.

Kata kunci: Media sosial, Kepercayaan, Persepsi Manfaat, Keputusan Pembelian