DSpace Collection:

THE ANALYSIS OF RISK EFFECT TOWARDS FINTECH ECOSYSTEM ON P2P LENDING INDUSTRY IN INDONESIA

2025-08-07T05:03:53Z

Title: THE ANALYSIS OF RISK EFFECT TOWARDS FINTECH ECOSYSTEM ON P2P LENDING INDUSTRY IN INDONESIA Authors: Wijaya, Chandra; Yuliarto Nugroho, Bernardus; Fahmi Arkanuddin, Mohammad Abstract: Abstract: The purpose of this research for analyzing the affect and correlation risk to the fintech ecosystem on the P2P lending industry in Indonesia with the quantitative approach and using the analysis tools of SEM-Amos. The result is shown that risk has an affect and correlation significantly to the fintech ecosystem, it can prove that the risk changing has affect to fintech ecosystem stability. The key of activity on this industry is loan disbursement so the potential risk will come up is NPL (non-performing loan), which can cause credit risk. Credit risk can be mitigated by doing customer segmentation precisely. Mitigation is done by other risks, namely, operation, market, liquidity, legal, strategic, and pandemic risk-covid 19. Pandemic risk-covid 19 is an additional risk and positively correlates to start-up fintech elements. It is proof that the existence of pandemic-covid 19, the business of this industry is still running well and has no effect on it, causing this industry to use the mobile application and the transactions without meetings and still keep up social distancing. Another anticipation of empowering the fintech ecosystem by doing cooperation, coordination and collaboration between elements each other. This industry needs to add 2 (two) fintech ecosystem elements, they are credit insurance institutions and fintech consumer protection agency for anticipating the industry's need in the future. Keywords: fintech, fintech P2P lending, risk, pandemic risk-covid-19, fintech ecosystem

RISK MITIGATION STRATEGIES FOR THE FOOTWEAR INDUSTRY DURING THE COVID-19 PANDEMIC

2025-08-07T05:02:26Z

Title: RISK MITIGATION STRATEGIES FOR THE FOOTWEAR INDUSTRY DURING THE COVID-19 PANDEMIC Authors: Maudy Atiah Putri Nugraha, Windy; Rahmana, Adhitya; Suroso, Arif Imam Abstract: Abstract: CV. XYZ is one of the companies affected by Covid-19, which is marked by a decreased turnover of 70% and as many as 50% of workers are laid off. Risk considerations in business are a concern in the face of an increasingly competitive, unpredictable, and complex business environment. This study aims to identify, analyze and recommend priority operational risk strategies faced by CV. XYZ. The methods used are the Structured What-If Technique (SWIFT) and House of Risk (HOR). The results of this study found thatare that the operational risk events of CV. XYZ are categorized into 3 categories of risk events with a total of 12 risk events. There are 8 of 15 risk-causing agents that contribute 75% to the total ARP, and there are 5 of 17 risk prevention actions that prioritized with the highest Effectiveness Toto Difficulty (ETD) value. Keywords: house of risk, footwear industry, risk management,business processes, business strategy

STRATEGIES FOR INCREASING TRADITIONAL RETAIL STALL LOYALTY TO SUPPLIERS IN THE ERA OF DIGITAL TRANSFORMATION

2025-08-07T05:00:59Z

Title: STRATEGIES FOR INCREASING TRADITIONAL RETAIL STALL LOYALTY TO SUPPLIERS IN THE ERA OF DIGITAL TRANSFORMATION Authors: Mujianto, Mujianto; Hartoyo, Hartoyo; Nurmalina, Rita; Yusuf, Eva Z Abstract: Abstract: The concept of marketing aims to build, maintain, and enhance mutually beneficial relationships between suppliers and partners. Therefore, this research recommends priority strategies for increasing traditional retail stall loyalty to suppliers in the new digital transformation era. This research was conducted in Indonesia's fast-moving consumer goods (FMCG) retail industry with data collected through a Forum Group Discussion (FGD) and indepth interviews with several experts. These include top management of retail industry supply companies, principal of FMCG, General Chairperson of the Indonesian Retail Entrepreneurs Association, Secretary-General of the Indonesian Retail Entrepreneurs Association, Chair of the Chamber of Commerce and Industry, and academics who are also practitioners in the retail industry. The data collected were analyzed using the Analytical Hierarchy Process (AHP) approach. The results showed that merchandising and employees are the most dominant factors in forming retail stall loyalty to suppliers in the new digital transformation era. The company's main goal to increase retail stall loyalty to suppliers is by raising sales growth with the continuous rise in profits for supplier companies. Furthermore, the most important alternative strategy to increase retail stall loyalty to suppliers is product assortment and stock availability as the main alternative strategy. In conclusion, this research is useful for supply companies to establish relationships with traditional retail stalls in Indonesia. Keywords: analytical hierarchy process, merchandising, retail industry supplier strategy, retail service quality, website quality

SHOPPING ORIENTATION AND TRUST IN ONLINE STORES TOWARDS IMPULSE BUYING

2025-08-07T04:59:23Z

Title: SHOPPING ORIENTATION AND TRUST IN ONLINE STORES TOWARDS IMPULSE BUYING Authors: Ali Adriansyah, Muhammad; Taufiq Rahman, Muhammad Abstract: Abstract: This study aims to determine the effect of shopping orientation and online store trust on impulsive purchases among students of the Faculty of Tarbiyah and Teacher Sciences of University X in Samarinda. This research uses a quantitative approach. This study involved 100 students of the Faculty of Tarbiyah and Teacher Sciences of University X in Samarinda who were selected using a simple random sampling technique. The use of data collection methods is the scale of impulsive purchases, shopping orientation, and the trust of the online store. The collected data are analyzed with the help of SPSS 25.0 for Windows programs. The results showed that the major hypothesis was accepted, namely simultaneous shopping orientation and online store trust can predict the occurrence of impulsive purchases in students, as evidenced by a value of p = 0.000 (p<0.05). The predicted rate is 52.9%. The first minor hypothesis is accepted, namely shopping orientation is able to predict student implusive purchases, proven by a value of p = 0.000 (p<0.05), while the second minor hypothesis is accepted, namely trust in online stores able to predict student impulsiveimplusive purchases as evidenced by a value of p = 0.000 (p<0.05). The results showed that the major hypothesis was accepted, namely simultaneous shopping orientation and online store trusts can predict the occurrence of impulsiveimpulsive purchases in students, as evidenced by the value of p = 0.000 (p<0.05). The positive impact of this research when people specifically read this research article is that it can increase literacy about the main factors that cause impulsive purchases, especially among students, especially caused by shopping orientation and also caused by trust in online stores. Keywords: impulsive buying, online store beliefs, shopping orientation