FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN KONSUMEN E-COMMERCE MENGGUNAKAN DIGITAL ACCUMULATED BALANCE PAYMENT SYSTEM (PAY LATER)

This study contains of description and influence of the factors that influence consumer decision to use the Accumulated Balance Payment System (Pay later). This research uses descriptive and quantitative methods with analysis using Structural Equation Modeling and SmartPLS. The results of the hypothesis test showed that the variables Demographics, Orientations, and Psychographics have a positive and significant effect on the Consumer Consumer Payment Technology Use Decision. Based on the results the role of the closest family such as parents, husband, or wife in granting permission to use Pay later is very important. Companies need to implement the Familly Sharing Payment System in a consumer Pay later account. This is expected to provide ease of payment and get more users, provide solutions for family members who have not worked, and provide balanced restrictions and ease of payments that are integrated into one main account. Keywords: Pay later, Payment Technology, Accumulated Balance, Sharing Payment, Consumer DecisionPenelitian ini berisi kajian mengenai gambaran dan pengaruh dari faktor-faktor yang mempengaruhi keputusan konsumen menggunakan Accumulated Balance Payment System atau Paylater. Penelitian ini mengunakan metode deskripstif dan kuantitatif dengan analisis menggunakan Structural Equation Modeling dan software SmartPLS. Sumber data yakni primer dan sekunder yang bersumber dari online maupun offline. Hasil pengujian hipotesis menunjukkan variabel Demographics, Orientations, Psychographics berpengaruh positif dan signifikan terhadap Consumer Consumer Payment Technology Use Decission Decission. Berdasarkan hasil penelitian pentingnya peranan keluarga terdekat seperti orang tua, suami atau istri dalam pemberian izin untuk mengunakan Paylater dalam berbelanja menggunakan Paylater. Perusahaan perlu melakukan penerapan Familly Sharing Payment System dalam akun Paylater. Hal ini diharapkan akan memberikan kemudahan pembayaran dan jangkauan pengguna yang lebih banyak, memberikan solusi bagi anggota keluarga yang belum bekerja, memberikan pembatasan kredit serta kemudahan pembayaran yang terintegrasi dalam satu akun utama. Kata Kunci: Bayar nanti, Teknologi Pembayaran, Akumulasi Saldo, Berbagi Pembayaran, Keputusan Konsume

Intensi adopsi e-commerce dan aplikasi sistem akuntansi

AbstractThe purpose of this research is to analyze behavioral intention to conduct online selling and adopt accounting applications, and its effect on the actual use. The research was conducted from the planning and online selling processes through e-commerce platform to the preparation of financial reports by application to measure the intention to adopt and the actual usage of information technology. The study indicates that actual usage of accounting technology is influenced by intention to adopt, with the main factors consisting of the compatibility and observability of the technology. Complexity, relative advantage, and triability are not the obstacles to adopt the accounting technology as long as the technology is userfriendly and easy to observe. Awareness of the importance of accounting information system application and the difficulty of manual accounting processes is the driver of the intention to adopt accounting technology. There are good opportunities to increase digital literacy skills through technology diffusion, which is focused on transforming business technology along with material adjustments and eliminating inhibiting factors such as difficulties in accessing digital devices and their usage.AbstrakPenelitian ini bertujuan untuk menganalisis minat melakukan online selling dan mengadopsi aplikasi akuntansi serta pengaruhnya terhadap penggunaan sebenarnya. Penelitian dilakukan dari proses perencanaan dan online selling pada platform e-commerce hingga penyusunan laporan keuangan yang menggunakan aplikasi untuk mengukur minat adopsi dan actual usage dari teknologi informasi. Hasil penelitian menunjukkan bahwa actual usage teknologi akuntansi dipengaruhi oleh adanya minat untuk mengadopsi dengan faktor utama berupa kompatibilitas dan observabilitas dari teknologi akuntansinya. Faktor kompleksitas, keunggulan relatif, dan triability tidak menjadi halangan untuk mengadopsi penggunaan teknologi akuntansi selama sesuai dengan kondisi penggunanya dan mudah untuk diobservasi. Kesadaran terkait pentingnya adopsi teknologi akuntansi dan kesulitan proses akuntansi secara manual menjadi bagian dalam minat mengadopsi aplikasi sistem informasi akuntansi. Terdapat peluang yang baik untuk peningkatan kemampuan literasi digital melalui difusi teknologi yang berfokus pada transformasi teknologi bisnis disertai penyesuaian materi serta menghilangkan faktor penghambat seperti kesulitan akses pada perangkat digital dan pemanfaatannya

INCREASED CUSTOMER SATISFACTION USING DIGITAL MARKETING IMPLEMENTATION IN THE BANKING INDUSTRY IMAGE

Digital technology has spread throughout the planet. The banking industry is one that is intimately tied to this technology. The National Private Business Bank (BUSN) employs a variety of digital marketing strategies. One method is to use websites and social media. This study employs a management science method to assess the importance of digital marketing in enhancing customer satisfaction and its influence on banking image. This study use descriptive research methodologies using sample of 140 respondents, with this analysis employing Chou and Bentler’s theory. Finally, the research findings indicate that Digital Marketing Implementation at BUSN has been carried out quite well; in this study, customers at BUSN are satisfied, and the Banking Image at National Private Business Banks (BUSN) has been well obtained. In this study, it is also discovered that Digital Marketing has an impact on Customer Satisfaction at National Private Business Banks (BUSN), with a magnitude of 72.7%. Furthermore, there is a 21.8% effect of Digital Marketing in this study on Banking Image at National Private Business Banks (BUSN), and it is known that there is an effect of Customer Satisfaction on Banking Image at National Private Business Banks (BUSN), with a magnitude of influence of 22.9%, there is an effect of Digital Marketing on Customer Satisfaction, and its Impact on Banking Image at National Private Business Banks (BUSN), with a simultaneous influence of 83.1%, and the remaining 16.9% is influenced by factors other than the research variables

Dynamic hip screw technique in the management of trochanteric fracture

Background: Study was conducted to find the results of dynamic hip screw in the management of trochanteric fracture by analyzing the factors which influence post-operative mobility.Methods: Study was conducted in the department of orthopedics, GSL Medical College. Individuals >18 years, both genders who were diagnosed having trochanteric type I and II Boyd and Griffin stable fractures were included in the study. All surgeries were performed under spinal anesthesia, internal fixation with dynamic hip screw and 135o angled blade plate. Injectable third generation cephalosporins were used 24 hours preoperatively, intra- operatively and 5 days post-operatively, and oral antibiotics till suture removal. Patients allowed to sit on bed on 2nd and 3rd day and static quadriceps exercises were started from 2nd day onwards, hip and knee flexion exercises from 6 or 7th day and weight bearing walking form 10th day.Results: The average age was of the participants was 61.53 years, ranged between 41 to 80 years; 65% were female participants and 35% were male patients. In the study, 20 (50%) patients had right side fracture and left sided affection of trochanteric fracture to the remaining 50%. Most of the patients (67.5%) in this study were classified as type II Boyd and Griffin criteria, and 32.5% were type I. The clinical and functional outcome was calculated using the Kyle's criteria; 25% (10) showed excellent response, followed by good (50%), fair (15%) and poor (10%) results.Conclusions: Dynamic hip screw is the operative treatment of choice for stable trochanteric fractures. However, studies on large sample for long time are recommended

Functional outcome in displaced proximal humeral fractures in adults treated by proximal humeral locking plates

Background: The management of proximal humerus fractures (PHF) is a challenging task to any surgeon. Study was conducted to evaluate the clinical and functional outcome of the proximal humeral internal locking system in fixation of displaced proximal humeral fractures.Methods: Study was conducted in the Department of Orthopedics, GSL Medical College. Informed written consent was taken from the study participants. All skeletally mature patients aged >18 years, presenting with displaced PHF according to Neer two, three and four part fracture were included in the study. Either deltopectoral or deltoid splitting approach was used for surgery, post-operative rehabilitation was started on day one.Results: Twenty-five patients with PHF were enrolled in the study; five-holed proximal humerus locking plate (PHLP) was used for 18 patients, eight-holed PHLP for 05 and three-holed, ten-holed PHLP for 01 for one each. The Constant-Murley score was significantly improved (p=0.000) over each successive follow-up period with the average improvement of around 19 scores between 1st and 2nd follow-up and around 15 score improvement between 2nd and 3rd follow-up.Conclusions: The proximal humeral locking plate is an adequate device for the fixation of displaced two-part, three-part and four-part PHF. Patient can regain good shoulder function, resume normal activities much earlier

THE MODEL FOR IMPROVING BUSINESS PERFORMANCE USING MICROFINANCIAL INSTITUTIONS AND ENTREPRENEURSHIP COMPETENCIES

This paper will assess & present empirical evidence on the issue in order to better understand how Microfinance Institutions (MFIs) mediate entrepreneurial talents. The role of MFIs is evaluated based on their functions as a source of finance, facilitators for financial management, managerial management, and marketing management. Sales growth, profit growth, asset growth, employee growth, and market share growth are all ways to gauge a company’s performance. While entrepreneurial ability is assessed using technical, marketing, financial, and interpersonal abilities. The research approach is explanatory, with data collected through questionnaires and interviews. A sample of 150 SMEs sampled the population of 34,816 SMEs in West Java’s Greater Bandung region, Indonesia, using a proportionate random sampling approach. Structural Equation Modeling and a 5-point Likert scale were used to analyze the data collected (SEM). According to the findings, microfinance institutions can help businesses succeed by a small but significant amount. Business performance is positively and significantly impacted by entrepreneurial talents. The MFIS’s significance in influencing entrepreneurial skills expands in relation to corporate performance

Incidence of early-onset neonatal sepsis in relation to prolonged rupture of membranes

Background: Prolonged rupture of membrane (PROM) is an important risk factor for early-onset neonatal sepsis (EONS) and preterm births. Objective: The objective of this study was to determine the incidence of EONS in relation to PROM of more than 18 h. Materials and Methods: The study was conducted in a medical college in South India. All the neonates born to mothers with a history of PROM for >18 h were included in this study. Sepsis was diagnosed by clinical signs and symptoms and positive blood culture. Results: A total of 200 neonates were included in the study. Among these, confirmed sepsis was diagnosed in 18% (29); statistically, there was no significant difference (p>0.05). A high incidence of sepsis was found in neonates born by normal vaginal (68.5%) delivery. There was no significant difference between incidence of sepsis and duration of PROM; the range was 18–72 h. Conclusion: Sepsis was diagnosed to be less in neonates born to mothers who had prenatal antibiotics