Jurnal Online Manajemen ELPEI

The Influence of Service Quality and Trust on the Satisfaction of BPJS Outpatient Patients Through the Reputation of RSUD Regional La Mappapenning in Bone Regency

2025-11-19T12:29:21+00:00

The purpose of this study is to (1) analyze the effect of service quality on outpatient satisfaction at La Mapapenning Regional Hospital Bone Regency (2) analyze the effect of trust on outpatient satisfaction at La Mapapenning Regional Hospital Bone Regency (3) analyze the effect of service quality on the reputation of La Mapapenning Regional Hospital Bone Regency (4) analyze the effect of trust on the reputation of La Mapapenning Regional Hospital Bone Regency (5) analyze the effect of BPJS outpatient satisfaction on the reputation of La Mappenning Regional Hospital, Bone Regency (6) analyze the effect of service quality on outpatient satisfaction through the reputation of La Mapapenning Regional Hospital Bone Regency (7) analyze the effect of trust on outpatient satisfaction through the reputation of La Mapapenning Regional Hospital Bone Regency. The population in this study were all outpatients at La Mappapenning Regional Hospital with a sample of 150 respondents based on the results of the Slovin formula. The analysis method used in this study uses smart PLS testing, descriptive analysis, and hypothesis testing. The results of this study indicate that (1) Service quality has a positive and significant effect on patient satisfaction (2) Trust has a positive and significant effect on patient satisfaction (3) Service quality has a positive and significant effect on hospital reputation (4) Trust has a positive and significant effect on hospital reputation (5) Patient satisfaction has a positive and significant effect on hospital reputation (6) Service quality has a positive and significant effect on patient satisfaction through hospital reputation (7) Trust has a positive and significant effect on patient satisfaction through hospital reputation.

The Influence of Positive and Negative Reasons on Generation Z Consumers’ Attitudes and Purchase Intentions in Online Shopping: A Comparative Study of Search Goods and Experience Goods

2026-02-20T15:36:46+00:00

This study aims to analyze the influence of positive reasons (reasons for) and negative reasons (reasons against) on attitudes and purchase intentions among Generation Z online shoppers using the Behavioural Reasoning Theory (BRT) framework. The study also compares how these reasons operate across different product categories, namely search goods and experience goods. Data were collected through a survey of 200 Gen Z respondents who actively engage in online shopping. The data were analyzed using Partial Least Square–Structural Equation Modeling (PLS-SEM). The results indicate that positive reasons have a positive and significant effect on attitude, with a path coefficient of 0.607, making it the strongest determinant of consumer attitude. Negative reasons also significantly influence attitude, although with a much weaker effect (β = 0.090). Furthermore, attitude significantly and strongly affects purchase intention, with a path coefficient of 0.709. The R-square results show that 43.1% of the variance in attitude is explained by positive and negative reasons, while 50.3% of the variance in purchase intention is explained by attitude. These findings support BRT’s central proposition that reasons serve as rational explanations that shape attitudes before influencing behavioral intentions. Comparative analysis between search goods and experience goods further suggests that positive reasons remain the dominant factor across both product types. Overall, this research confirms that Behavioural Reasoning Theory is an appropriate framework to understand Gen Z’s decision-making processes in online shopping and provides practical implications for e-commerce businesses to strengthen reasons for in digital marketing strategies.

The Influence of Brand Image, Price Value, and Perceived Usefulness on Subscription Intention to Spotify Premium

2026-01-17T01:50:06+00:00

The accelerating expansion of digital music streaming platforms has prompted firms to better understand the determinants of consumers’ subscription decisions. This study seeks to examine the influence of brand image, price value, and perceived usefulness on users’ intentions to subscribe to Spotify Premium. A quantitative research design was adopted, with data collected through questionnaires administered to Spotify users. The relationships among the variables were analyzed using the Partial Least Squares (PLS) technique. The findings reveal that brand image, price value, and perceived usefulness exert a positive and significant impact on subscription intention. These results indicate that a favorable brand image, a perceived balance between price and benefits, as well as the functional usefulness and convenience of the service are critical drivers in encouraging consumers to subscribe. The study’s implications are expected to offer practical insights for Spotify in formulating more effective marketing strategies, particularly in enhancing brand image, implementing competitive pricing schemes, and continuously improving service quality and features. Furthermore, this research is anticipated to contribute to the broader body of academic literature in marketing and consumer behavior.

The Role of Influencers, Electronic Word of Mouth (E-WOM), and Live Streaming on Cosmetic Purchase Decisions on the Shopee Application

2025-09-10T07:30:18+00:00

This study aims to examine the influence of influencers, Electronic Word of Mouth (E-WOM), and live streaming on purchasing decisions for cosmetic products on the Shopee app. The research method used is quantitative with purposive sampling technique involving 158 respondents from Makassar City who have previously purchased cosmetics through Shopee. Data were collected through a questionnaire and analyzed using SPSS version 26 through validity tests, reliability tests, and multiple linear regression. The results show that all three variables influencers, E-WOM, and live streaming have a positive and significant effect on purchasing decisions, both partially and simultaneously. Among the three, live streaming has the largest impact. This is because consumers feel more confident when they can see live product demonstrations, interact with sellers in real-time, and receive special promotions during the live broadcast. Meanwhile, E-WOM also plays an important role, as consumers tend to consider reviews and the experiences of other users before making a purchase. Influencers have a smaller effect compared to the other two variables, as not all consumers feel personally connected to recommendations from influencers. Overall, these three variables can explain 63.5% of the variance in purchasing decisions. Therefore, a good combination of influencers, E-WOM, and live streaming will increase consumer trust and willingness to purchase the product, ultimately boosting sales and customer loyalty.

The Influence of Transactional Leadership, Communication, and Workload on Turnover Intention through Job Satisfaction as an Intervening Variable at PT XYZ Palopo Branch

2025-11-16T06:06:32+00:00

The purpose of this study was to analyze the influence of transactional leadership, communication, and workload on job satisfaction and their implications for turnover intention among Account Officers (AO) at PT XYZ Palopo Branch. The sample in this study consisted of all Account Officers at PT XYZ Palopo Branch, with a total of 194 respondents. The analytical methods used in this study were smart PLS testing, descriptive analysis, and hypothesis testing.

The results of the study indicate that: (1) Transactional leadership has a negative but insignificant effect on turnover intention; (2) Transactional leadership has a positive but insignificant effect on job satisfaction; (3) Communication has a positive but insignificant effect on turnover intention; (4) Communication has a positive and significant effect on job satisfaction; (5) Workload has a positive and significant effect on turnover intention; (6) Workload has a negative but insignificant effect on job satisfaction; (7) Job satisfaction has a negative and significant effect on turnover intention; (8) Job satisfaction does not mediate the effect of workload on turnover intention; (9) Job satisfaction does not mediate the effect of transactional leadership on turnover intention; and (10) Job satisfaction significantly mediates the effect of communication on turnover intention in a negative direction.

The Influence of Transformational Leadership, Employee Engagement, and Job Satisfaction on Employee Loyalty at SMPIT Assalaam Pekalongan

2026-02-09T07:29:17+00:00

This study aims to analyze the influence of transformational leadership, employee engagement, and job satisfaction on employee loyalty at SMPIT Assalaam Pekalongan. The research employs a quantitative approach using a survey method. Data were collected from 30 respondents who are employees of SMPIT Assalaam Pekalongan through a Likert-scale questionnaire. The data analysis technique used was multiple linear regression with the assistance of SPSS software.

The results indicate that partially, transformational leadership and employee engagement do not have a significant effect on employee loyalty, while job satisfaction has a positive and significant effect on employee loyalty. However, the simultaneous test shows that transformational leadership, employee engagement, and job satisfaction collectively have a significant effect on employee loyalty. The coefficient of determination demonstrates that the research model is able to explain a substantial proportion of the variance in employee loyalty.

These findings confirm that job satisfaction is the dominant factor in shaping employee loyalty, particularly within the context of educational organizations, while transformational leadership and employee engagement function as collective supporting factors. This study is expected to provide practical contributions to human resource management in educational institutions.

The Role of Viral Marketing, Live Streaming, and e-WOM on Purchasing Decisions in Live Streaming E-Commerce

2026-01-16T10:20:23+00:00

This study aims to analyze the influence of viral marketing, live streaming, and electronic word of mouth (e-WOM) on purchasing decisions on live streaming-based e-commerce platforms. The study used a quantitative explanatory approach with a survey method of consumers who had made purchases through live streaming commerce. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to test the measurement model and structural model. The test results showed that all research indicators met the validity and reliability criteria. Empirical findings revealed that viral marketing and e-WOM had a positive and significant influence on purchasing decisions, while live streaming did not have a significant direct influence. Viral marketing acts as an initial trigger that increases consumer awareness and interest through social information dissemination. Meanwhile, e-WOM is the most dominant factor in influencing purchasing decisions because it functions as a form of social validation that can reduce risk perception and increase consumer trust. Live streaming plays a more active role as a means of consumer interaction and engagement that has an indirect impact on purchasing decisions, thus requiring the support of other factors such as trust and credible consumer reviews. In conclusion, an effective digital marketing strategy for live streaming commerce needs to focus on creating viral content and strengthening positive e-WOM, with live streaming being used as a supporting tool to increase engagement and overall marketing effectiveness.

The Role of Organizational Regulatory Clarity and Transformational Leadership in Shaping Employee Work Discipline: A Logical and Verificative Approach

2026-01-13T06:29:31+00:00

This study aims to analyze the role of organizational regulatory clarity and transformational leadership in shaping employee work discipline using a logical approach through the Systematic Literature Review (SLR) method. Employee work discipline is a fundamental element in maintaining organizational effectiveness, stability, and sustainability. However, in practice, work discipline is often influenced by unclear internal regulations and weak leadership roles in instilling organizational values and norms. The research method involves a systematic review of reputable national and international journal articles as well as academic books relevant to organizational regulation, transformational leadership, and employee work discipline. The SLR process includes identification, selection, quality assessment, and synthesis of the literature based on a rational and systematic logical framework. The findings indicate that organizational regulatory clarity serves as a normative foundation that provides behavioral certainty and enhances employee compliance, while transformational leadership plays a critical role in internalizing disciplinary values through role modeling, motivation, and inspiration. The integration of these two factors is proven to strengthen sustainable employee work discipline. This study concludes that work discipline is shaped not only by formal rules but also by leadership quality that effectively translates regulations into meaningful work behavior.

Optimization of Financial Literacy, Business Capital, and Financial Management on the Sustainability of Culinary MSMEs in Sorong City, Southwest Papua Province

2026-01-15T00:35:19+00:00

This study aims to determine the influence of financial literacy, business capital, and financial management on the sustainability of culinary MSMEs in Sorong City, both partially and simultaneously. This study used a quantitative approach with a sample of 100 culinary MSMEs. The sampling technique used purposive sampling, while data analysis was conducted using multiple linear regression using SPSS. The results showed that partially, business capital and financial management had a positive and significant effect on MSME sustainability, while financial literacy had no significant effect. Simultaneously, these three variables significantly influenced MSME sustainability, with a coefficient of determination of 80.2%, meaning the model was able to explain 80.2% of business sustainability, while the remainder was influenced by other variables outside this study. The findings of this study indicate that the sustainability of culinary MSMEs in Sorong City is determined more by capital capacity and the quality of financial management than by theoretical financial literacy. Therefore, increasing access to capital, practice-based financial management training, and mentoring programs are key to strengthening the resilience and growth of MSMEs.

Keywords: Financial Literacy, Business Capital, Financial Management, Sustainability of MSMEs.

Mekanisme Afektif di Balik Impulsive Buying dalam Gim Mobile: Peran Perceived Enjoyment pada Mobile Legends: Bang Bang

2026-01-20T02:48:29+00:00

The rapid expansion of mobile games with freemium business models has increased the need to understand the psychological mechanisms underlying impulsive buying behavior. This study examines the affective pathway driving impulsive in-game purchases by analyzing the effects of aesthetic quality, competitive drive, user experience, and perceived scarcity on impulsive buying, with perceived enjoyment as a mediating variable. Using a quantitative explanatory approach, data were collected from 216 active Mobile Legends: Bang Bang players in Indonesia who had previously made in-game purchases. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).

The findings indicate that aesthetic quality, competitive drive, user experience, and perceived scarcity have positive and significant effects on perceived enjoyment, with user experience and competitive drive emerging as the strongest predictors. Perceived enjoyment also has a strong positive effect on impulsive buying behavior, confirming its role as a key affective driver of spontaneous purchasing decisions. The study extends the Stimulus–Organism–Response framework and provides practical insights for sustainable mobile game monetization strategies.

The Effect of Compensation and Work Environment on Employee Performance Through Job Satisfication as an Intervening Variable at Al Mubarak Cendekia Islamic School

2026-02-14T02:30:06+00:00

This study aims to analyze the influence of compensation and work environment on employee performance through job satisfaction as an intervening variable at Al Mubarak Cendekia Islamic School. This study uses a quantitative approach with a survey method. Data was obtained through the distribution of questionnaires to employees of Al Mubarak Cendekia Islamic School. Data analysis was carried out using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method with the help of SmartPLS 4 software to test the direct and indirect relationships between the research variables. The results of the study show that (1) Compensation has a positive and significant effect on employee performance at Al Mubarak Cendekia Islamic School. (2) The work environment has a positive and insignificant effect on employee performance at Al Mubarak Cendekia Islamic School. (3) Job satisfaction has a positive and significant effect on employee performance at Al Mubarak Cendekia Islamic School. (4) Compensation has a positive and significant effect on job satisfaction at Al Mubarak Scholar Islamic School. (5) The work environment has a positive and significant effect on job satisfaction at Al Mubarak Cendekia Islamic School. (6) Compensation has a positive and significant effect on employee performance through job satisfaction at Al Mubarak Cendekia Islamic School. (7) The work environment has a positive and significant effect on employee performance through job satisfaction at Al Mubarak Cendekia Islamic School.

Keywords : Compensation, Work Environment, Employee Performance, Job Satisfaction.

The Influence of Supervision on the Improvement of Performance Quality at the Dinas Pendidikan Kabupaten Sorong, Southwest Papua Province

2026-01-15T00:46:22+00:00

This research aims to analyze the influence of supervision on the performance quality of the Sorong Regenc Education Office, Southwest Papua Province. The research employs a quantitative method involving 58 respondents as the sample. Data collection is carried out using a questionnaire technique. The data analysis utilizes a simple linear regression test. The results of the study show that supervision has a positive but non-significant impact on performance quality. This is evidenced by the obtained significance value. Nevertheless, the role of supervision still contributes to improving the performance quality in the Sorong Regency Education Office, Southwest Papua Province

The Role of Shared Leadership in Project Success: The Mediating Effects of Knowledge Sharing and Perceived Cohesion and the Moderating Role of Trust

2026-02-21T18:06:36+00:00

This study examines the effect of shared leadership on project success, highlighting the mediating roles of knowledge sharing and team cohesion, as well as the moderating role of trust within the team. Data were collected from 53 respondents through an online survey to analyze their experiences in dynamic project environments, particularly in the information technology sector. The analytical method employed was Structural Equation Modeling–Partial Least Squares (SEM-PLS) to process the data and test the relationships among variables.

The findings indicate that shared leadership has a positive effect on project success, as it enhances team involvement and encourages more collaborative decision-making. However, knowledge sharing and team cohesion do not function as significant mediators in this relationship. Based on these results, the study suggests that although shared leadership can strengthen team dynamics, other factors such as communication effectiveness and project implementation strategies exert a greater influence on project success. Therefore, project leaders should focus on developing shared leadership models while ensuring effective communication and team coordination mechanisms to optimize project outcomes.

Analysis of Loan Growth in the Digital Loan Feature of Digital Banking Products at PT Bank Negara Indonesia (Persero) Tbk Makassar Branch

2026-02-20T16:32:31+00:00

The development of loans in the Digital Loan feature of digital banking products at PT. Bank Negara Indonesia (Persero) Tbk Makassar Branch serves as the main basis for writing this thesis. The data taken is from the entire population from 2019 to 2023. As a sample data, this research uses a descriptive quantitative approach. The data source consists of secondary data, which was then analyzed using trend analysis. The results show that the standards set by Bank Indonesia indicate that the average value of online or digital loans in the Digital Loan feature of PT. Bank BNI Makassar Branch, Makassar City Branch for the period 2019-2023 is rated as healthy, with an average of 21%, indicating a fairly good performance in managing loans within banking aspects.

Analysis of the Effect of the Rice Subsidy Program on the Stability of Food Supply and Prices in Sorong City

2026-01-20T01:37:38+00:00

This study aims to analyze the effect of the rice subsidy program on the stabilization of food supply and prices in Sorong City. Most previous studies on the effectiveness of rice subsidies and food price stabilization policies have been conducted in regions such as Java, Sumatra, and Sulawesi. This research offers a novel contribution by examining the implementation of rice subsidies in Sorong City, an area characterized by distinct geographical and logistical conditions. Distribution patterns, transportation costs, and infrastructure limitations in Southwest Papua generate findings that differ from those identified in other regions.

The study employs a qualitative approach combining literature review and field data. Data were collected through interviews with the Food Security Agency, rice distributors, and beneficiary communities, as well as through an analysis of policy documents related to food subsidies.

The results indicate that the rice subsidy program plays a significant role in maintaining price stability and ensuring the availability of staple food supplies. However, its effectiveness is still influenced by distribution mechanisms, transparency, and the accuracy of targeting beneficiaries. Improvements in data management systems and distribution monitoring are necessary to enhance the efficiency and fairness of program implementation in the field.

This study focuses exclusively on Sorong City as the research location. Although it provides an in-depth overview of rice subsidy implementation in this area, the findings cannot be fully generalized to other districts or municipalities in Southwest Papua or other regions of Eastern Indonesia with different logistical characteristics.

The Influence of Work Discipline and Work Environment on Employee Performance at the Dinas Lingkungan Hidup, Kehutanan dan Pertanahan Provinsi Papua Barat Daya

2026-01-27T03:52:00+00:00

This study aims to understand in-depth how work discipline and the work environment influence employee performance at the Environment, Forestry, and Land Agency of Southwest Papua Province. A qualitative research approach was used to explore employee perceptions, experiences, and actual practices through semi-structured interviews and participant observation. The results indicate that work discipline positively contributes to task effectiveness, while a conducive work environment strengthens motivation and collaboration among employees. These findings are relevant to theories of work motivation and organizational culture and have implications for the development of human resource management.

The Influence of Performance Allowances on Employee Performance at the Dinas Lingkungan Hidup Kota Sorong

2026-02-01T05:29:53+00:00

The formulation of the problem raised in this title is how performance allowances influence employee performance in the Sorong City Environmental Service. The above problem is solved by gathering data from various subjects using the populist and statistical methods, as well as a study tool based on observation and consensus. Research can also be carried out according to predetermined procedures using administrative working hours and the above grid. Results of the Study Summarized in the First and Second Benefits with Positive Significance for Employee Performance with a Minimum of Around 0.767.

Management Strategy in the Implementation of Electronic Medical Records at the Regional Health Laboratory Unit (UPT Laboratorium Kesehatan Daerah) of Nunukan Regency

2026-02-20T16:00:42+00:00

This study aims to analyze and describe the management strategies applied by the Regional Health Laboratory UPT of Nunukan Regency in the planning, implementation, and management of Electronic Medical Records (EMR). In addition, this study seeks to identify and analyze the main obstacles encountered in EMR implementation from a strategic management perspective, as well as to describe the strategies used by management to manage or overcome these obstacles, which are then formulated into strategic recommendations for optimizing EMR implementation.

This research uses a qualitative approach with a descriptive case study design. This approach was chosen to obtain an in-depth understanding of management strategies and the obstacles faced in EMR implementation at the Regional Health Laboratory UPT of Nunukan Regency, while considering the unique geographical context and resource limitations in the region.

The results show that the Regional Health Laboratory UPT of Nunukan Regency applies adaptive, participatory, and contextual management strategies to address various challenges. The main constraints include limited technological infrastructure (unstable networks, outdated equipment), human resources issues (variability in competencies, resistance to change, lack of training/support), as well as unique geographical and regional resource challenges. Proactive management strategies such as budget advocacy, intensive coordination with the Health Office, personalized approaches to staff, utilization of “technology champions,” and strategic partnerships have successfully mitigated these obstacles, enabling EMR implementation to proceed despite challenging conditions.

The Influence of Leadership, Work Motivation, and Work Discipline on Employee Performance at PT Kontak Perkasa Futures Makassar

2026-02-22T16:40:51+00:00

The purpose of this study is to examine the influence of leadership, work motivation, and work discipline on employee performance at PT Kontak Perkasa Futures Makassar. The sampling method employed was a population sampling (census) approach, in which all 42 employees were selected as respondents. The study utilized both quantitative and qualitative data. Data collection methods included library research and field research. Data processing was conducted using SPSS version 26 to identify independent variables affecting the dependent variable.

The data analysis techniques comprised descriptive analysis and statistical analysis, including multiple linear regression, correlation coefficient, coefficient of determination, t-test, and F-test to determine the significance of each variable’s effect.

The results indicate that partially, leadership has a negative effect on employee performance, while work motivation and work discipline have a positive and significant effect on performance. Simultaneously, leadership, work motivation, and work discipline collectively have a positive and significant influence on employee performance.

The Influence Analysis That Digital Marketing And Brand Image Have On The Purchase Intention Of Sociolla Beauty Stores

2026-02-22T16:57:25+00:00

This study explores the comparative influence of digital marketing and brand image on purchase intention within Indonesia’s beauty e-commerce sector, taking Sociolla as the empirical setting. The research is motivated by growing uncertainty surrounding the behavioural effectiveness of digital marketing among digital-native consumers who increasingly experience advertising fatigue. A quantitative correlational approach was employed, and the data were analysed using a series of statistical procedures, including normality assessment, correlation testing and multiple regression, to evaluate the extent to which each predictor contributes to purchase intention. The findings reveal a clear imbalance in influence. Digital marketing does not demonstrate a significant effect on purchase intention, suggesting that promotional visibility alone is no longer sufficient to encourage behavioural responses. By contrast, brand image shows a strong and meaningful positive influence, highlighting the importance of credibility, authenticity and perceived product safety in shaping cosmetic purchasing decisions. The overall model displays a high explanatory ability, reinforcing the central role of brand-related trust cues in guiding consumer behaviour within high-risk product categories. The study contributes to existing theoretical perspectives by strengthening empirical support for the asymmetric influence model and extending signalling and trust–risk approaches to the context of Indonesian beauty e-commerce. In practical terms, the findings suggest that platforms should give greater emphasis to credibility-building strategies, including authenticity verification and transparent product information, rather than relying heavily on promotional volume. The study concludes that brand image is the dominant factor shaping purchase intention in online beauty product purchases.

The Influence of Gross Profit Margin and Net Profit Margin on Profit Growth at PT Indofood Sukses Makmur Tbk

2026-02-22T17:28:40+00:00

This study aims to analyze the effect of Gross Profit Margin (GPM) and Net Profit Margin (NPM) on profit growth at PT Indofood Sukses Makmur Tbk for the 2020– 2024 period. This research employs a quantitative descriptive approach with acausal associativedesign, using secondarydataobtainedfromthecompany’sannual financial statements published by the Indonesia Stock Exchange. Data analysis was performed using multiple linear regression through the SPSS software to examine both partial and simultaneous effects between variables. The results indicate that GPM has a positive and significant effect on profit growth, while NPM has a positive but not significant effect. Simultaneously, bothvariablesshowa positive yet insignificant effect on profit growth. The coefficient of determination (R²) of 0.686 suggests that 68.6% of the variation in profit growth can be explained by GPM and NPM, with the remaining 31.4%influenced by otherfactorsoutside the model. These findings imply that the efficiency of cost management at the gross profit level plays a more dominant role in increasing profit growth compared to net profit efficiency.

The Influence of Dividend per Share and Earnings per Share on Stock Price at PT Unilever Indonesia Tbk

2026-02-22T17:46:01+00:00

This study aims to determine the influence of Dividend per Share (DPS) and Earnings per Share (EPS) on stock prices at PT Unilever Indonesia Tbk. The research uses quantitative data derived from secondary sources. The analytical methods applied for the 2023 period include multiple linear regression analysis, coefficient of determination, correlation coefficient, t-test, and F-test.

The results of the multiple linear regression analysis produce the equation:

Y = 2,490.13 + 10.95X₁ + 47.86X₂

The correlation coefficient (R) is 0.714, indicating a strong relationship between the independent variables and the stock price. The coefficient of determination (R²) is 0.510, meaning that 51% of the variation in stock prices can be explained by Dividend per Share and Earnings per Share, while the remaining 49% is influenced by other factors outside the model.

Simultaneously, Dividend per Share and Earnings per Share do not have a significant effect on stock prices. Partially, Dividend per Share does not have a positive and significant effect on stock prices, whereas Earnings per Share has a positive and significant effect on stock prices.

Marketing Strategy Analysis of Kredit Usaha Rakyat (KUR) at Bank Mandiri Barru Branch

2026-02-22T18:01:25+00:00

KUR) at Bank Mandiri Barru Branch and to formulate strategies for optimizing credit distribution to MSMEs. This study is crucial for identifying the supporting and inhibiting factors of the bank's strategy in facing local competition. The research method employed a descriptive qualitative approach, with data collection conducted through observation, interviews, and documentation. Data analysis techniques applied the concept of the Marketing Mix (7P) and SWOT Analysis, along with calculations of the IFAS, EFAS, and IE Matrix to determine the strategic position.

The results place Bank Mandiri Barru Branch in the Grow and Build position (Cell II), characterized by a high external response but average internal conditions. The implementation of the Marketing Mix 7P was assessed as effective in product and technology aspects, yet constrained by human resource limitations. Recommended strategies include aggressive market penetration, expansion of the Laku Pandai agent network, and optimization of digital services to increase customer outreach

Strategy for Implementing a Smart Office to Enhance the Effectiveness of Public Services at the Dinas Pendidikan Provinsi Sulawesi Selatan

2026-02-22T18:38:39+00:00

The rapid development of digital technology has encouraged public institutions to reform bureaucratic work systems in order to improve effectiveness, transparency, and accountability. The South Sulawesi Provincial Education Office has implemented a Smart Office system as a digital administrative platform to support the improvement of public service quality. However, the implementation of digital systems does not always run optimally, as it is influenced by organizational readiness, human resource capacity, and the availability of supporting technological infrastructure. This study aims to analyze the strategy for implementing Smart Office and to identify the supporting and inhibiting factors affecting the effectiveness of public services.

This research employs a qualitative approach, with data collected through open-ended interviews conducted via Google Forms and document analysis. A total of 22 informants were involved, including senior officials, structural officers, administrative staff, system operators, school principals, teachers, and education service users. The data were analyzed using thematic analysis based on 40 response variables and supported by policy documents related to Smart Office and the Electronic-Based Government System (SPBE).

The findings indicate that Smart Office implementation contributes to faster administrative processes, improved document traceability, and increased transparency and accountability. Nevertheless, challenges remain in terms of technological infrastructure limitations, digital literacy gaps among employees, and the lack of systematic training and evaluation. Therefore, a sustainable and well-coordinated implementation strategy is required to ensure that digital transformation delivers tangible improvements in public service quality within the education sector.

Digital Transformation of Gold Pawn Services: Consumer Experience in the Application-Based Service Innovation Tring! by Pegadaian

2026-01-23T04:56:15+00:00

This study provides a deeper understanding of how digitalization and service innovation within traditional service institutions are interpreted and experienced by consumers, particularly in the context of gold pawn services through the Tring! by Pegadaian application. The findings indicate that Pegadaian’s digital transformation is not solely oriented toward process efficiency but significantly shapes a service experience that is more convenient, secure, and flexible for users.

Perceived ease of use emerges as the most dominant factor in forming a positive consumer experience. A simple interface, clear transaction flow, and the ability to conduct transactions without physical presence enhance perceptions of efficiency and service convenience. These results confirm that the success of digital service innovation largely depends on the extent to which technology aligns with users’ capabilities and needs, rather than merely on system sophistication.

Beyond usability, institutional trust plays a central role in the adoption of digital gold pawn services. Pegadaian’s reputation as a state-owned enterprise, the assurance of physical gold availability through a 1:1 system, and data security protections significantly reduce consumers’ psychological risk when engaging in high-value asset-based digital services. This finding suggests that digital transformation in traditional financial services requires a strong foundation of trust to achieve broad acceptance.

The study also emphasizes that digitalization does not fully replace conventional services; instead, it fosters a hybrid service model integrating digital and face-to-face channels. This model enables service flexibility while maintaining inclusivity, particularly for consumers with varying levels of digital literacy. Thus, digital innovation functions as a strategic complement that enriches the service ecosystem rather than serving as a complete substitute for physical interaction.

Overall, this research contributes to the development of service innovation and consumer experience literature by providing qualitative empirical evidence from a traditional service sector undergoing digital transformation. The findings underscore that the primary value of digitalization lies in consumers’ subjective experiences and in the organization’s ability to continuously align technology, trust, and integrated service channels.

The Influence of Work Discipline and Work Environment on Employee Performance at the Transportation Office of Penajam Paser Utara Regency

2026-02-24T09:58:59+00:00

This study aims to identify and analyze (1) the effect of work discipline on employee performance at the Transportation Office of Penajam Paser Utara Regency, (2) the effect of the work environment on employee performance at the Transportation Office of Penajam Paser Utara Regency, and (3) the simultaneous effect of work discipline and work environment on employee performance at the same institution.

The research employed a quantitative correlational approach, with data collected through questionnaires. The results show that work discipline has a positive and significant effect on improving employee performance. Compliance with rules, punctuality, and a high level of responsibility form the foundation of work behavior that directly contributes to the achievement of optimal work outcomes. The work environment also has a positive and significant effect on performance. Non-physical aspects, particularly supervisor support and harmonious working relationships, are the main driving forces, while improvements in the physical environment are still necessary to support productivity more evenly.

Work discipline and the work environment together exert a very strong and dominant influence on employee performance. These two variables create a synergistic effect, where work discipline builds behavioral structure and consistency, while a supportive work environment provides motivational and relational context that strengthens and optimizes the contribution of discipline toward performance achievement.

From Surviving to Thriving: The Role of Human Capital at Pegadaian in Transforming Pawn Customers into Gold Investors

2026-02-26T08:43:10+00:00

This study investigates the strategic role of human capital at Pegadaian in transforming customers from a survival-oriented mindset—where gold is perceived merely as a collateral instrument during emergencies—toward a growth-oriented mindset in which gold is understood as a long-term investment asset.

Using a qualitative exploratory design, the research is based on in-depth interviews with ten customers who transitioned from pawn service users to gold investors. The findings reveal that this transformation is mediated by Pegadaian employees who act as financial change agents. Three key mechanisms are identified. First, employees build trust by leveraging relationships previously established through pawn transactions. Second, they provide contextualized financial education that bridges traditional perceptions of gold with modern investment concepts. Third, they offer continuous assistance throughout the gold investment process.

The results demonstrate that the success of financial institution transformation largely depends on the capacity of its human capital to function as translators of financial culture. Their role extends beyond increasing financial literacy to reshaping customers’ economic behavior from short-term consumption toward long-term wealth accumulation. This study highlights that employee competency development serves as a crucial driver of customer financial literacy and inclusion.