International Journal Administration, Business & Organization

Implementation of the KUR (People's Business Credit) Guidance Program in the City of Banjarmasin Micro Business and Manpower Cooperative Service

Rizkiyah — 2025-04-29

This research examines the implementation of the Kredit Usaha Rakyat (KUR) program, launched by the government to encourage banks to provide financing to MSMEs. The program involves the Cooperatives, Micro, and Manpower Office (Diskopumker) as facilitators, with government-backed guarantees in collaboration with eight distribution banks. The research aims to analyze the role of the office in facilitating KUR assistance and identify factors that support and hinder its implementation. Using a qualitative approach and field research methods, including interviews and documentation, the study focuses on its role and the challenges of implementing KUR in city of Banjarmasin. Findings reveal that the Cooperatives, Micro, and Manpower Office plays a pivotal role in collaborating and coordinating with both government and private banks to facilitate access to KUR. Key activities include socializing the program to business actors, providing business development training, and enhancing market access. The provision of capital from banks has significantly supported MSMEs in improving their businesses. However, challenges persist, such as public misconceptions that KUR is direct government assistance, creating misunderstandings among prospective business actors. Despite these obstacles, efforts have substantially contributed to MSME growth by leveraging credit mechanisms, empowering business actors, and fostering sustainable economic development in Banjarmasin City.

Exploring the Impact of Customer Data Security on Consumer Trust in Gojek's Digital Services

Zahra Qanitah Ferdyan Putri — 2025-04-29

This study aims to explore the effect of customer data security on consumer confidence in using Gojek digital services. The main focus of the research is to analyze the impact of customer data security on the Gojek platform regarding consumer perceptions and levels of trust in the service. The research method employed is descriptive with a quantitative approach, involving a population of students at Politeknik Negeri Bandung, Indonesia, for the period 2020–2023. Data were collected using questionnaires and analyzed through simple regression analysis. Results showed that approximately 38.3% of consumer confidence in Gojek services can be explained by customer data security factors. Simple regression analysis reveals significant variable coefficients, highlighting the important role of data security in shaping consumer trust. Although the impact is relatively modest, customer data security remains a crucial determinant in enhancing consumer trust in Gojek's digital services. The remaining 61.7% is influenced by other factors not examined in this study, such as service quality, user experience, and brand reputation. This research contributes to a deeper understanding of the relationship between data security and consumer trust in the context of digital services. It also offers practical insights for digital service providers like Gojek to strengthen consumer trust by improving data protection measures. Future research is recommended to explore additional factors influencing consumer trust and to conduct comparative studies across different digital platforms.

Comperhensive Analysis of PT Timah Tbk Financial Performance: A Case Study of the COVID-19 Pandemic and Corruption (2019-2023)

Rini Larasati Irawan — 2025-04-29

The COVID-19 pandemic created substantial disruptions that affected the mining sector along with its fundamental market stability as well as operational efficiency. The analyzed financial performance of PT Timah Tbk spans from 2019 to 2023 while examining how COVID-19 has affected the company together with the consequences of corruption-related scandals. To gauge its financial status and market performance the study performs financial ratio analysis alongside interviews and document review methods. The pandemic has led PT Timah Tbk to experience severe profit decreases combined with liquidation difficultes as it dealt with operational sustainability issues. Analysis confirms that financial instability progressed because of internal corruption scandals at the company which produced additional difficulties for corporate governance structures. The study demonsrates that PT Timah Tbk must improve its financial management while strengthening its anti-corruption measures to restore it self and guarantee enduring success. The reseach demonsrates that corporate governance needs full transparency and accountability during times of crisis.

Strengthening E-commerce Customer Satisfaction through Delivery Service Transparency

Regina Emiliana — 2025-04-29

The purpose of this study is to investigate the impact of Real-Time Tracking Systems (RTTS) on customer satisfaction through Last Mile Delivery (LMD) Transparency in the context of E-commerce businesses. The research aims to explore how the integration of real-time tracking affects consumer satisfaction, particularly focusing on the transparency of the delivery process. The sample for this study comprised 112 respondents, all of whom were vocational students in Bandung with prior experience in e-commerce transactions and regular use of RTTS to monitor their product shipments. This study employs a quantitative approach, utilizing correlation and regression analysis to examine the relationships among variables. Data was collected using a structured questionnaire distributed via Google Forms, both directly and through social media platforms, targeting respondents who met the study's inclusion criteria. The findings indicate that the use of RTTS has a significant positive effect on customer satisfaction through enhancing LMD transparency in e-commerce, accounting for 55.6% of the variation in delivery transparency. The remaining 44.4% of the variance is attributed to other factors, suggesting that additional elements beyond RTTS also contribute to the transparency and efficiency of the last-mile delivery process. These results highlight the importance of real-time tracking in improving customer experience and operational transparency in the rapidly growing e-commerce sector.

Determinants of Financial Performance with Sustainability Report as A Moderation Variable

Tista Fadhil Permana — 2025-04-29

This study aims to determine the effect of green accounting, environmental performance, and environmental costs on the level of profitability of financial performance moderated by sustainability report. This research is quantitative in the type of causality, with a research population of 80 manufacturing companies’ industrial classification based on production results for the 2020-2022 period and determination of the number of samples of 20 companies obtained through purposive sampling techniques. Data collection was carried out using secondary data tracing through the Indonesia Stock Exchange and the GRI G4 index of each company. Data processing using SPSS software program is analyzed with a multiple linear regression analysis approach Moderated Regression Analysis (MRA). Based on the results of the study shows that green accounting, environmental performance, and environmental costs do not have a significant effect on financial performance