Jurnal Keuangan dan Bisnis

TINGKAT CUSTOMER LOYALTY PADA PRODUK FASHION ONLINE

Putu Arya Abhirakshantu Mp — 2025-03-30

Purpose

This study examines the influence of online customer experience, perceived price, and product quality on customer loyalty, mediated by customer satisfaction, in the context of fashion products purchased via e-commerce platforms.

Design/Methodology/Approach

A quantitative survey was conducted among individuals who had purchased fashion products online. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) via SmartPLS 3.

Findings

The results show that online customer experience, perceived price, and product quality positively and significantly affect customer satisfaction. Customer satisfaction also partially mediates the relationship between these variables and customer loyalty.

Practical Implications

The findings highlight the importance of enhancing online experience, pricing strategies, and product quality to foster customer satisfaction and loyalty.

Originality/Value

This study offers empirical insights into the partial mediating role of customer satisfaction in e-commerce, enriching the understanding of consumer behavior in online fashion retail.

GOVERNMENT SIZE AND FINANCIAL RATIOS ON FINANCIAL DISTRESS AND DISTRICT OR CITY GOVERNMENTS IN SOUTH SUMATERA PROVINCE

Anggia Marshanda Putri — 2025-03-30

Purpose

This study aims to analyze the effect of government size and financial ratios on financial distress in district/city governments in South Sumatra Province. The variables used in this study include government size, regional financial independence, effectiveness ratio, and efficiency ratio.

Design/Methodology/Approach

This research employs a quantitative method with a descriptive and associative approach. The data used are secondary data obtained from local government financial reports for the period 2019-2023. The data analysis technique applied is multiple linear regression to examine the influence of each independent variable on financial distress.

Findings

The results indicate that government size has a significant impact on financial distress. Larger local governments tend to face more complex financial management challenges, which may increase the risk of financial distress if not accompanied by proper budget management.
Additionally, regional financial independence is found to have a negative effect on financial distress, meaning that the higher the level of financial independence, the lower the likelihood of experiencing financial distress. The effectiveness and efficiency ratios also play a crucial role in determining local financial stability, where higher effectiveness in revenue realization and efficiency in budget utilization can help reduce financial distress risks.

Practical Implications

The findings of this study imply that local governments should focus more on managing finances efficiently and effectively. Larger governments must enhance their managerial capacity in budget management to minimize the risk of financial distress. Moreover, increasing financial independence by optimizing locally generated revenue (Pendapatan Asli Daerah - PAD) can serve as a strategy to reduce dependence on central government transfers and improve local financial stability.

Originality/Value

This study contributes to the literature on financial distress in local governments, particularly in Indonesia, by focusing on the under-researched context of district and city governments in South Sumatra Province. Unlike previous studies that often examine national or provincial level data, this research provides a localized analysis that captures the unique fiscal dynamics at the regional level. Moreover, the integration of government size along with financial ratios such as regional financial independence, effectiveness, and efficiency in a single model offers a more comprehensive framework for understanding financial distress. This approach provides practical insights for regional policymakers aiming to strengthen local fiscal resilience.

BREAKING BARRIER:WORK FAMILY CONFLICT, GLASS CEILING AND FEMALE LECTURER PERFORMANCE

Candra Astra Terenggana — 2025-03-30

Purpose
This study aims to investigate the influence of work-family conflict and the glass ceiling on the performance of female lecturers in higher education institutions, with job satisfaction examined as a mediating variable.

Design/methodology/approach
A quantitative research approach was employed, utilizing a survey method to collect data from 98 female lecturers affiliated with the APTIK network. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the hypothesized relationships among variables.

Findings
The results demonstrate that both work-family conflict and the glass ceiling have significant negative effects on job satisfaction. Furthermore, job satisfaction is proven to mediate the relationship between these factors and female lecturer performance. These findings highlight the critical role of psychological well-being in enhancing academic performance among female lecturers.

Practical implications
The study provides actionable insights for human resource management in higher education institutions to design effective policies and interventions aimed at reducing work-family conflict and breaking the glass ceiling. Enhancing job satisfaction can be a strategic approach to improving lecturer performance.

Originality/value
This research offers empirical evidence on the mediating role of job satisfaction in the relationship between work-family conflict, the glass ceiling, and lecturer performance. The study contributes to the limited body of knowledge focusing on female academic staff within the APTIK network, offering valuable guidance for institutional development and gender equity initiatives.

Keywords
Work-family conflict, Glass ceiling, Lecturer performance, Job satisfaction, Female lecturers, Higher education