Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici <p><span class="s1">JOURNAL GICI is a financial and business journal that presents various research results based on both qualitative and quantitative approaches and is published periodically semi-annually (twice a year) in June and December, with certain themes selected according to current issues. hotly discussed in public (top issue). The topics raised revolve around financial and business issues such as Accounting, finance, management, Business Etc</span></p> en-US hersusilo72@gmail.com (Herman Susilo) firmansar@gmail.com (Firman Sari) Sat, 30 Dec 2023 11:10:38 +0700 OJS 3.3.0.11 http://blogs.law.harvard.edu/tech/rss 60 PELAYANAN KREDIT MULTIGUNA (KMG) TERHADAP CUSTOMER SATISFACTION PADA PT. BANK DKI KANTOR CABANG PEMBANTU DEWI SARTIKA https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/190 <p><em>This study aims to determine the problems or obstacles that result in a decrease in multipurpose loan applications (KMG) and determine strategies to increase the number of multipurpose loan customers at PT Bank DKI KCP Dewi Sartika. The strategy used in increasing the number of customers is a marketing strategy. The research method used in this study is a qualitative method using a type of descriptive research. Data collection method is carried out by conducting field documentation and interviews. The obstacle or problem found at Bank DKI KCP Dewi Sartika is the lack of employee service for multipurpose loan applications which resulted in a decrease in multipurpose loan applications. The resolution strategy to face the problems that occur is to carry out digital marketing strategies and carry out policies, namely Bank DKI KCP Dewi Sartika to improve services on multipurpose loans. The results showed that multipurpose loan disbursement increased from January 2021 to December 2021 to January 2022 to December 2022 with a percentage of 88% and affected services which also increased. </em></p> <p><em>&nbsp;</em></p> Putri Amanda Puspitasari, Prasetio Ariwibowo, Tri Anita Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/190 Sat, 30 Dec 2023 00:00:00 +0700 PENGARUH PERSEPSI DUKUNGAN PERUSAHAAN, SUPERVISOR, KELUARGA DAN TEMAN TERHADAP SELF ESTEEM DAN SELF EFFICACY PARA TENAGA PEMASAR DI PERUSAHAAN PEMBIAYAAN https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/191 <p><em>The aim of this research is to determine the strength of several perceived support variables that influence the self-esteem and self-efficacy of marketers. This research is important, because marketers are the backbone of finance companies. As a marketer, you must have high self-confidence. With the job characteristics of having to deal directly with consumers through the process of persuading, influencing and convincing consumers amidst intense competition from competing companies, a marketer must be able to convince himself before convincing others. Referring to the breathe-edu.co.uk page, self-confidence is formed by self-efficacy and self-esteem. Using a quantitative approach with a survey method of 168 marketers from 42 finance companies in East Jakarta and Bekasi, which were then analyzed using a Structural Equation Model (SEM) approach based on Partial Least Square (PLS). After carrying out a measurement model test (outer model analysis) and a structural model test (inner model analysis), the conclusion is that perception of friends and family support has a significant effect on the self-esteem and self-efficacy of marketers. Perception of supervisor support has a less significant effect on the self-esteem and self-efficacy of marketers. Perception of company support has a significant effect on the self-esteem of marketers but has a less significant effect on the self-efficacy of marketers.</em></p> Damaruci Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/191 Sat, 30 Dec 2023 00:00:00 +0700 PENGARUH RELIGIUSITAS DAN LITERASI KEUANGAN SYARIAH TERHADAP MINAT MENABUNG DI BANK SYARIAH INDONESIA (BSI) PADA MAHASISWA EKONOMI SYARIAH (IAI Nasional Laa Roiba Bogor) https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/192 <p><em>The purpose of this study is to discuss and determine the influence of religiosity and Indonesian Sharia financial literacy (BSI) on IAI Nasional Sharia economics students Laa Roiba Bogor. This research method uses a descriptive method with a quantitative approach with as many as 161 students with Regression analysis tools, The data collection technique used is by direct observation by making observations at the Sharia Economics Study Program of IAI Nasional Laa Roiba Bogor. The results of the study were found that (1) Religiosity had a positive and significant effect on Student Saving Interest, (2) Islamic Financial Literacy had a positive and significant effect on Student Saving Interest, (3) There was a simultaneous influence between Religiosity (X1) and Islamic Financial Literacy (X2) with Regression obtained the value of the coefficient of determination (R2) of the independent variable with the dependent variable was 0.758 (75.8%), This means that the amount of contribution of the independent variable to the dependent variable is 75.8% and the remaining 24.2% (100% - 75.8% = 24.2% comes from other variables or factors that have not been studied in this study. Based on the Model Summary table, the value of relationship strength (R) is obtained. </em></p> Santi, Bakti Toni Endaryono, Agung Prasetyo, Luluh Abdilah Kurniawan Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/192 Sat, 30 Dec 2023 00:00:00 +0700 PENGARUH KUALITAS PRODUK, HARGA, PROMOSI DAN CITRA MEREK TERHADAP KEPUTUSAN PEMBELIAN TEH CELUP SARIWANGI DI KOTA BOGOR https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/193 <p><em>Tea is one of the refreshing drinks that is very popular among the people of Indonesia and even the world. The purpose of this study was to determine and analyze the effect of product quality, price, promotion and brand image on purchasing decisions for SariWangi brand products in Bogor City. The results of the regression test showed that 62,10% of the purchasing decision factors could be explained by product quality, price, promotion and brand image while the remaining 37,90% were explained by other factors not examined in this study. While the results of the F test show that simultaneously the variables of product quality, price, promotion and brand image simultaneously have a positive and significant effect on purchasing decisions. The results of the t test show that the product quality, promotion, brand image variable so partially these three variables have a positive effect and significantly to the decision to purchase Teh Celup Sariwangi products in Bogor City. The price variable has no positive and significant effect on the decision to purchase Teh Celup Sariwangi products in Bogor City. The dominant variable influencing the purchasing decision of The Celup Sariwangi products in Bogor City is product quality.</em></p> Eko Wahyu Widayat, Nurhasna Rahmawati Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/193 Sat, 30 Dec 2023 00:00:00 +0700 PENGARUH PROFESIONALISME, PENGETAHUAN TENTANG PENGELOLAAN KEUANGAN, DAN INTENSITAS PEMBINAAN DANA TERHADAP KUALITAS KEUANGAN DI KAMPUNG PASIR BAGADEU https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/194 <p><em>The purpose of this study was to determine and analyze the influence of professionalism, knowledge of financial management, and the intensity of fundraising on financial quality in Kampung Pasir Bagadeu. The type of research used is explanatory research with the research method of collecting data using a questionnaire. The data analysis model used is multiple linear regression analysis. Sample selection was done by purposive sampling. The sample is 100 respondents, using multiple linear regression analysis. </em><em>The results of the Determination Coefficient Test show that the independent variables in the form of professionalism, financial management and fund management jointly affect the dependent variable of financial quality reaching 84.8% while the remaining 15.2% is influenced by other variables not included in this study, for example environment, land tax payment order, financial socialization, fund security and so on. While the F test shows that the independent variables consisting of professionalism, financial management and fund management simultaneously have a significant effect on financial quality with the results of the analysis Fcount = (371.401) &gt; Ftable = (2.70). The results of the t test show that the variable professionalism (19.416), financial management (5.054), fundraising (5.481) where ttable (1.668) means that partially these variables have a significant effect on financial quality in Kampung Pasir Bagadeu.</em></p> Tita Lestari, Yumartono Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/194 Sat, 30 Dec 2023 00:00:00 +0700 PENGARUH BRAND AMBASSADOR DAN BRAND AWARENESS TERHADAP MINAT BELI DI TOKOPEDIA (STUDI KASUS MAHASISWA UNIVERSITAS SURAPATI) https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/195 <p><em>The development of online commerce has become a phenomenon in the economy of a country that is expected to have a positive impact on the prosperity of digital economic equality in Indonesia. Especially when the Covid-19 pandemic occurred, the trend of online shopping became the main choice of consumers. Tokopedia is one of the online malls in Indonesia that carries the marketplace and online mall business model. The analysis model used is multiple linear regression analysis. Sample selection is done by accidental sampling. The sample amounted to 100 respondents, using multiple linear regression analysis. The results of the regression test showed that 49.5% of buying interest factors could be explained by brand ambassadors and brand awareness while the remaining 50.5% were explained by other factors not studied in this study. While the results of the F test show that simultaneously the variables of brand ambassador and brand awareness simultaneously have a positive and significant effect on buying interest. The results of the T test show that the brand ambassador variable shows that the results of the analysis do not have a positive and significant effect. then brand awareness partially has a positive and significant effect on buying interest in Tokopedia for Surapati University students. </em></p> Nizmah Chalifah, Herman Susilo Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/195 Sat, 30 Dec 2023 00:00:00 +0700 PENGARUH MOTIVASI TERHADAP KINERJA KARYAWAN PADA PT. ELFRIDA PLASTIK INDUSTRI Tbk. https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/196 <p>Tujuan penelitian ini adalah untuk membahas dan mengetahui pengaruh motivasi terhadap kinerja karyawan pada PT Efrida Plastik Industri. Metode yang digunakan dalam penelitian ini adalah metode deskriptif dengan pendekatan kuantitatif. Teknik pengambilan data menggunakan Teknik observasi dan wawancara, analisis yang digunakan adalag dengan analisis regresi sederhana. Hasil penelitian Hasil analisis kolerasi diperoleh koefisien determinasi (R2) sebesar 0,849 yang berarti hubungan – hubungan variabel bebas motivasi (X) terhadap kinerja karyawan (Y) pada PT Elfrida Plastik Industri Tbk.</p> <p><em>&nbsp;</em></p> Sukoari Rahardjo Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/196 Sat, 30 Dec 2023 00:00:00 +0700 ANALISIS MANAJEMEN STRATEGI DALAM MENGHADAPI PERSAINGAN BISNIS PADA ERAFONE METROPOLITAN MALL CILEUNGSI BOGOR https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/197 <p><em>The purpose of this study is to find out and analyze the influence of professionalism, the amount of competition in similar fields is certainly not easy to maintain the position of Erafone that has been attached to society. Coupled with technological advances that develop with online commerce, it becomes a challenge to retain consumers to come and visit Erafone stores. The purpose of this study is to find out and analyze what strategies are suitable for Erafone Metropolitan Mall Cileungsi Bogor. The research used is qualitative research using descriptive analysis or analysis conducted by presenting or describing data through questionnaires and interviews. With 4 respondents. The method used in this research method is QSPM (Quantitative Strategy Planning Matrix), which is a method to determine the priority of alternative strategies obtained from SWOT analysis (Strength, Weakness, Opportunity, Threat). The data analysis used is IFE Matrix analysis, EFE Matrix, IE Matrix, SWOT Matrix and QSPM Matrix. Based on the results obtained from the IFE matrix is a total score of 2.72 and the EFE Matrix of 2.85 puts Erafone Metropolitan Mall Cileungsi Bogor in the position of quadrant V is Hold and Maintan, namely by carrying out market penetration and product development.</em></p> Elza Aditya, Nurul Fadhilah Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/197 Sat, 30 Dec 2023 00:00:00 +0700 ANALISIS STRATEGI BISNIS WIFI.ID PADA PT. TELEKOMUNIKASI Tbk. WILAYAH TELKOM BOGOR https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/198 <p>Sebagai negara berkembang dengan jumlah penduduk Indonesia yang mencapai 270 juta lebih membuat Indonesia menjadi negara dengan tingkat penggunaan internet yang tinggi. Peningkatan permintaan penggunaan layanan internet di masyarakat Indonesia dimanfaatkan dengan baik oleh pihak PT. Telkom Indonesia (Persero) Tbk (Telkom) untuk memenuhi kebutuhan dan permintaan masyarakat Indonesia. PT. Telkom menyediakan berbagai fasilitas komunikasi untuk memenuhi kebutuhan masyarakat dalam sektor telekomunikasi menyediakan layanan yang beragam (<em>multi service</em>) bagi pelanggannya yaitu layanan suara (telepon), data (internet), dan gambar (IP-TV).</p> <p>Tujuan dari penelitian ini adalah untuk mengetahui model bisnis Wifi.id saat ini dan menganalisis Strategi Bisnis Wifi.id PT. Telekomunikasi Indonesia Tbk. Wilayah Telkom Bogor. Jenis penelitian yang digunakan adalah penelitian deskriptif kualitatif dengan metode penelitian berupa observasi, wawancara, dan pengumpulan data menggunakan kuesioner. Model analisis data yang digunakan adalah <em>Business Model Canvas </em>(BMC), Analisis Lingkungan Internal-Eksternal, Matriks IE, dan QSPM. Adapun narasumber untuk memperoleh informasi sebanyak 9 orang dan untuk responden kuesioner tersebut berjumlah 3 responden.</p> <p>Hasil dari Model Bisnis Wifi.id saat ini menunjukkan bahwa Wifi.id sudah menerapkan Model Bisnis dengan baik. Pada tahap <em>input </em>menunjukkan hasil Matriks IFE sebesar 2,567 dan Matriks EFE sebesar 3,881. Sehingga, pada Matriks IE menunjukkan bahwa posisi Wifi.id pada Matriks IE berada dalam Sel II dengan kategori <em>Grow and Build</em>. Strategi alternatif yang dihasilkan yaitu Penetrasi Pasar, Pengembangan Pasar, Pengembangan Produk, <em>Merger</em>, dan Akuisisi. Setelah dilakukan perhitungan menggunakan QSPM didapatkan tiga prioritas strategi alternatif untuk Wifi.id. yaitu <em>Merger</em>, Akuisisi, dan Pengembangan Pasar. Dengan melakukan Merger dapat menekan biaya operasi dan juga peluang memperluas pangsa pasar dengan perusahaan yang akan diajak bekerjasama. Selain melakukan <em>merger</em>, perusahaan dapat mengakuisisi perusahaan lain untung meningkatkan pertumbuhan perusahaan. Untuk strategi pengembangan pasar, Wifi.id dapat lebih fokus untuk mengenalkan produk mereka kepada pasar yang lebih luas.</p> Altatit Dianawati, Putri Nabila Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/198 Sat, 30 Dec 2023 00:00:00 +0700 PENGARUH PERPUTARAN PIUTANG DAN PERPUTARAN PERSEDIAAN DENGAN PERPUTARAN KAS SEBAGAI VARIABEL INTERVENING TERHADAP KINERJA KEUANGAN PT. ACE HARDWARE INDONESIA, Tahun 20 https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/200 <p><em>This study aims to determine the effect of receivables turnover and inventory turnover on the company's financial performance with cash turnover as the intervening variable. The study used a quantitative approach with the type of causal associative research. The Data used is the financial data of PT Ace Hardware Indonesia Tbk for the period 2018 to 2022. The data analysis in this study used Partial Least Square – Structural Equation Modeling (PLS – SEM) with STATCAL software updated September 17, 2022. The results showed that inventory turnover significantly affect financial performance directly, but there is no significant variable that affects financial performance through cash turnover</em></p> Judianto Tjahjo Nugroho, Nur Winda Febriyanti Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/200 Sat, 30 Dec 2023 00:00:00 +0700 ANALISIS DAMPAK RISIKO DALAM PENERAPAN SISTEM SENAR DI PT. PJPT SENOPATI https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/199 <p><em>The purpose of this study was to determine and analyze the influence of professionalism, knowledge of financial management, and the intensity of fundraising on financial quality in Kampung Pasir Bagadeu. The type of research used is explanatory research with the research method of collecting data using a questionnaire. The data analysis model used is multiple linear regression analysis. Sample selection was done by purposive sampling. The sample is 100 respondents, using multiple linear regression analysis. </em><em>The results of the Determination Coefficient Test show that the independent variables in the form of professionalism, financial management and fund management jointly affect the dependent variable of financial quality reaching 84.8% while the remaining 15.2% is influenced by other variables not included in this study, for example environment, land tax payment order, financial socialization, fund security and so on. While the F test shows that the independent variables consisting of professionalism, financial management and fund management simultaneously have a significant effect on financial quality with the results of the analysis Fcount = (371.401) &gt; Ftable = (2.70). The results of the t test show that the variable professionalism (19.416), financial management (5.054), fundraising (5.481) where ttable (1.668) means that partially these variables have a significant effect on financial quality in Kampung Pasir Bagadeu.</em></p> Sentot Eko Baskoro, Tresno Dirgahayu Copyright (c) 2023 Jurnal GICI Jurnal Keuangan dan Bisnis https://journal.stiegici.ac.id/index.php/jurnal-gici/article/view/199 Sat, 30 Dec 2023 00:00:00 +0700