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All Journal MIX : Jurnal Ilmiah Manajemen Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal Manajemen International Journal of Application on Economics and Business
Agus Zainul Arifin Agus Zainul Arifin
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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THE INFLUENCE OF FINANCIAL KNOWLEDGE, FINANCIAL CONFIDENCE, AND INCOME ON FINANCIAL BEHAVIOR AMONG THE WORKFORCE IN JAKARTA Agus Zainul Arifin; Kevin Kevin; Halim Putera Siswanto
MIX: JURNAL ILMIAH MANAJEMEN Vol 7, No 1 (2017): MIX: Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (276.407 KB)

Abstract

Abstract. The purpose of this study is to analyze the influence of financial knowledge,financial confidence and income, on financial behavior. This research is based onTPB Model and Behavioral Finance Theory, and it was carried out based on thephenomenon that occur at present whereas the community is more focused on shorttermrather than on long-term. The Theory of Planned Behavior that rates theknowledge, self-confidence, and income becomes the basis of financial behavior ofindividuals, which become the topic of this research. The subjects in this study are thepeople of Jakarta Special Region, which includes the group of workforce who havealready had the job and fixed income every month. The results of this research showthat Financial Knowledge and Financial Confidence do affect Financial Behavior,whereas Income does not appear in the same way.Keywords: Financial Behavior, Financial Knowledge, Financial Confidence, Income
Gender Diversity Towards Investment Decision For Retirement Preparation Agus Zainul Arifin
Jurnal Manajemen Vol. 23 No. 2 (2019): June 2019
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v23i2.474

Abstract

The aim of this paper is to examine influence of the relationship between Financial Behavior on Investment decision that moderated Retirement variable of employees who live in DKI Jakarta area in 2018 This study approach is survey research by distributing questionnaires online and manually. Data analysis was carried out using path analysis, namely by testing the outer and inner models. Results indicate that Financial behavior affects Retirement planning and investment decisions. Second, Retirement preparation does not affect investment decisions. Third,  Retirement planning is not a moderation variable of the relationship between financial behavior and investment decisions,  both for male, female, and overall gender. Gender factor does not has different effect relationship between Financial Behavior on Investment decision and retirement preparation.
Pengaruh Customer Experience dan Customer Loyalty terhadap Financial Performance pada Layanan Digital Bank dari Perspective Customer Della Aprilia; Agus Zainul Arifin
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 6 No 5 (2022): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v6i5.20322

Abstract

The Covid-19 pandemic has changed people’s transaction patterns from offline to online. With this pattern of changes, many mini banks have been transformed into digital banks. However, not all digital banks can attract customers, so the digital bank business expansion failed. For example, the failure of several digital banks in developed countries such as Germany and the UK. Therefore, digital banks need to attract customers to do the transaction and be active in transactions by increasing positive experiences and customer loyalty as an effort to retain new customers trying to use the application as well as existing customers so that they can produce good bank performance and survive in the long term. This study aims to test whether 1) customer experience can predict financial performance, and 2) customer loyalty can predict financial performance. The sample was selected using a non-probability sampling method in the form of a purposive sampling technique on 288 respondents and processed using Partial Least Square-Structural Equation Modeling (PLS-SEM) to test the research hypothesis. The results of this study indicate that customer experience and customer loyalty have a significant effect on predicting financial performance in digital banking services from a customer perspective. Pandemi Covid-19 telah mengubah pola transaksi masyarakat yang sebelumnya offline menjadi online. Dengan adanya perpindahan pola ini, membuat banyak bank mini yang disulap menjadi bank digital. Namun, tidak semua bank digital mampu menarik customer sehingga ekspansi bisnis bank digital menjadi gagal. Sebagai contoh kegagalan beberapa bank digital di negara maju seperti Jerman dan Inggris. Oleh sebab itu, bank digital perlu menarik minat customer untuk menggunakan layanan digital banking dan aktif dalam bertransaksi, dengan cara meningkatkan pengalaman positif dan loyalitas customer sebagai upaya untuk mempertahankan customer yang baru mencoba menggunakan aplikasi maupun customer yang sudah ada sehingga mampu menghasilkan kinerja bank yang baik dan bertahan dalam jangka panjang. Penelitian ini bertujuan untuk menguji apakah 1) pengalaman customer dapat memprediksi kinerja keuangan, dan 2) loyalitas customer dapat memprediksi kinerja keuangan. Sampel dipilih dengan menggunakan metode non-probability sampling yang berupa teknik purposive sampling pada 288 responden dan diolah dengan menggunakan Partial Least Square-Structural Equation Modeling (PLS-SEM) untuk menguji hipotesis penelitian. Hasil penelitian ini menunjukkan bahwa pengalaman customer dan loyalitas customer berpengaruh signifikan untuk memprediksi kinerja keuangan pada layanan digital banking dari customer perspective.
THE IMPACT OF IMPLEMENTING THE DIGITAL TECHNOLOGY INNOVATION ON BANKING PERFORMANCE IN INDONESIA Selvi Dharsono; Agus Zainul Arifin
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.310-316

Abstract

The purpose of this study is to obtain empirical evidence whether customer experience and customer satisfaction affect the financial performance of a bank for users digital banking in Indonesia. The number of samples in this study were 261 respondents. The criteria for respondents in this study are respondents who live in Jakarta, Bogor, Depok, Tangerang and Bekasi and respondents who are users of banking services digital banking. This study uses a non-probability sampling technique. Data collection techniques through questionnaires online. Data analysis using PLS-SEM. The result of the first research is that customer experience has a positive effect on financial performance. Second, customer satisfaction has a positive effect on financial performance.
THE IMPLEMENTATION OF TECHNOLOGY ACCEPTANCE MODEL IN ANALYZING ATTITUDES TOWARD THE ADOPTION OF FINTECH Khairina Natsir; Agus Zainul Arifin; Herie Darmawan
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.386-400

Abstract

The intention of this study is to find empirical prooving regarding the relationship model of Perceived Risk, Perceived Ease-of-Use, and Perceived Usefulness against Attitudes Toward the Adoption of FinTech, by adopting the Technology Acceptance Model theoretical approach. The source of the data used is primary data derived from questionnaires which are distributed directly to respondents using a questionnaire with a Google Form format. Respondents are limited to users of banking services and marketplaces who are domiciled in Jakarta and its surroundings. Data were collected using non-probability sampling method. The instrument used is a structured questionnaire of 14 questions which are arranged based on indicators and dimensions derived from each variable. This study uses the multiple regression method with the support of the Smart PLS version 3. The finding of this study show that Perceived Risk, Perceived Ease-of-Use, and Perceived Usefulness have a positive effect on Attitudes Toward the Adoption of FinTech Services.
Co-Authors Della Aprilia Halim Putera Siswanto Herie Darmawan Kevin kevin Khairina Natsir Prayogo Indrayang Prayogo Indrayang Selvi Dharsono