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Faktor-Faktor Mempengaruhi Behavioral Intention Pada Penggunaan Mobile Payment Dana Di Surabaya

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        48

FAKTOR-FAKTOR MEMPENGARUHI BEHAVIORAL INTENTION PADA PENGGUNAAN MOBILE PAYMENT DANA DI SURABAYA

Reynold

Universitas Surabaya, Surabaya Christina Rahardja *

Fakultas Bisnis dan Ekonomika Unniversitas Surabaya, Surabaya Andhy Setyawan

Fakultas Bisnis dan Ekonomika Universitas Surabaya, Surabaya

* christina_r@staff.ubaya.ac.id

* +62 87852193521

Abstrak

Teknologi yang berkembang semakin pesat menyebabkan munculnya berbagai metode pembayaran digital secara online untuk membantu konsumen dalam bertransaksi dengan nyaman di pasar virtual. Metode pembayaran digital Akan memudahkan seseorang untuk bertransaksi kapanpun dan dimanapun. Kemudahan dalam melakukan transaksi pembayaran makin dipermudah dengan adanya integrasi sistem pembayaran dan perangkat seluler yang memunculkan mobile payment. Penelitian ini bertujuan untuk mengetahui faktor – faktor yang memengaruhi use behavior pada penggunaan mobile payment Dana di Surabaya.

Penelitian ini menggunakan pendekatan kuantitatif yaitu menggunakan kuesioner online yang diisi oleh pengguna Dana di Surabaya dengan responden berjumlah 300 orang. Data dianalisis dengan teknik Structural Equation Model (SEM) menggunakan software AMOS.

Hasil dari penelitian ini menunjukkan bahwa performance expectancy, social influence, facilitating condition,hedonic motivation, dan habit berpengaruh positif terhadap behavioral intention. Behavioral intention juga berpengaruh positif terhadap use behavior. Namun effort expectancy dan social influence tidak memiliki pengaruh terhadap behavioral intention.

Kata kunci: Use Behavior, Dana, Mobile Payment

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        ii

PROSIDING

FORUM MANAJEMEN INDONESIA 14

  ǡˆ‘”Ƭ ‡’ƒ†ƒȋȌ

Resolusi Manajemen Investasi Berintegritas Pada Era Digital

The Patra Bali Resort & Villas, Indonesia I 25-27 Oktober 2022

Host

ƒ—Ž–ƒ•‘‘‹ƒǡ‹•‹•†ƒ —ƒ‹‘”ƒǡ‹˜‡”•‹–ƒ•Š›ƒƒ—”ƒ

‘”—ƒƒŒ‡‡ †‘‡•‹ƒǡ‘”™‹ŽƒŽ‹

Editor

”Ǥ‡›‡‘ƒŽƒ•ƒ”‹ǡǤǡ

”ǤŠ”‹•–‹—Ž‹ƒǤ”‹—”–‹ǡǤǡ ǤǡǤǤ

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        iii

MAIN HOST



Ǧ 









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        iv









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        v

PROSIDING NASIONAL



FORUM MANAJEMEN INDONESIA 14

  ǡˆ‘”Ƭ ‡’ƒ†ƒȋȌ

Š‡ƒ–”ƒƒŽ‹‡•‘”–Ƭ‹ŽŽƒ•ǡƒŽ‹ǡ †‘‡•‹ƒ ʹͷǦʹ͸–‘„‡”ʹͲʹʹ





Tema:

Resolusi Manajemen Investasi Berintegritas Pada Era Digital



Penanggung Jawab:

”Ǥ —•–‹ƒ‰—•ƒ‹–ƒƒǡǤǡǤǤǡǤ



Panitia Pelaksana:

‡–—ƒ  ǣ”Ǥ—•–‹‰—”ƒŠ ‘‘†‹‡‰ƒ”ƒǡǤǡ

‡†ƒŠƒ”ƒ ǣ‹—Š—–——ƒ”‹”‹ƒ–‹ǡǤǡ

‡”‡–ƒ”‹• ǣ‹—–—›ƒŠ”‹•ƒ™‹–ƒ”‹ǡǤǡ

 Editor:

”Ǥ‡›‡‘ƒŽƒ•ƒ”‹ǡǤǡ   ‹˜‡”•‹–ƒ•Š›ƒƒ—”ƒ

”ǤŠ”‹•–‹—Ž‹ƒǤ”‹—”–‹ǡǤǡ ǤǡǤǤ ‹˜‡”•‹–ƒ•Š›ƒƒ—”ƒ



Layout:

‡†‹Ž‹›‡’–›ƒ–‹ƒŠƒǡ    ‡Œƒ—ƒƒǡǤǤǡǤ   

‹—–—”‹†›ƒ™ƒ–‹ǡ   

‹ƒ†‡Š‡”‡••ƒ—–”‹ǡ   

ƒ‡…‹Ž‹ƒ”‹ ƒ”Œƒ–‹ǡ    

Sampul:

ƒ†‡—”›ƒ†Šƒ”ƒ–ƒǡ 

















Penerbit:

ƒ—Ž–ƒ•‘‘‹ƒǡ‹•‹•ǡ†ƒ —ƒ‹‘”ƒ

‹˜‡”•‹–ƒ•Š›ƒƒ—”ƒ

Žƒƒ– ǣ ŽǤƒ›ƒƒ†ƒ‰Ž—™‹Šǡ‡‰ƒŽŒƒ›ƒǡƒŽ—‰ǡ—–ƒ–ƒ”ƒǡƒ†—‰ǡƒŽ‹ͺͲ͵͸ͳ

‡Ǧƒ‹Ž ǣˆ‹„ƒŽ‹ͳͶ̷—†Š‹”ƒ„ƒŽ‹Ǥƒ…Ǥ‹†Ǣ

‡„•‹–‡ ǣ™™™Ǥˆ‹Ǥ‘”Ǥ‹†



̹  ‘”™‹ŽƒŽ‹†ƒ  ‹˜‡”•‹–ƒ•Š›ƒƒ—”ƒȋʹͲʹʹȌ



ǣʹͶͲ͹ǦͲͷͶͺ

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        vi

KATA PENGANTAR





REKTOR UNIVERSITAS DHYANA PURA

Om Swastiastu,

Assalamu’alaikum Waroh-matullahi Wabarokatuh, Namo Buddhaya,

Salam Kebajikan

Salam Sejahtera Bagi Kita Semua, Shalom,

Salam Teladan dan Unggulan,





—Œ‹ †ƒ •›——” ‡ Šƒ†‹”ƒ– —Šƒ ›ƒ‰ ƒŠƒ ‡‰ƒ•‹Š †ƒ ‡›ƒ›ƒ‰ǡ ƒ–ƒ• Ž‹’ƒŠƒ „‡”ƒ–

†ƒ ”ƒŠƒ– ›ƒ ‡’ƒ†ƒ ‹–ƒ •‡—ƒ •‡Š‹‰‰ƒ ’ƒ†ƒ Šƒ”‹ ‹‹ ‹–ƒ †ƒ’ƒ– Šƒ†‹” †‹ –‡’ƒ– ›ƒ‰

’‡—Š ‡„ƒŠƒ‰‹ƒƒ ‹‹ †ƒŽƒ ‡ƒ†ƒƒ •‡Šƒ– †ƒ •‡ŒƒŠ–‡”ƒ —–— ‡‰‹—–‹ ƒ…ƒ”ƒ ‘”•Š‘’

†ƒ‡‹ƒ”ƒ•‹‘ƒŽ  ‡ͳͶ–ƒŠ—ʹͲʹʹǤ



ƒ†ƒ‡•‡’ƒ–ƒ‹‹•ƒ›ƒ‡‰—…ƒ’ƒ–‡”‹ƒƒ•‹Š‡’ƒ†ƒ’ƒ”ƒ’‡•‡”–ƒ•‡‹ƒ”ǡ„ƒ‹›ƒ‰

†ƒ–ƒ‰•‡…ƒ”ƒŽƒ‰•—‰‡–‡’ƒ–ƒ…ƒ”ƒȋŽ—”‹‰Ȍǡƒ—’—‡ŽƒŽ—‹‡†‹ƒȋ†ƒ”‹‰ȌǤƒ‹•‡„ƒ‰ƒ‹

‘•–•—‰‰—Š•ƒ‰ƒ–„‡”•—ƒ…‹–ƒƒ”‡ƒ–‡ŽƒŠ†‹’‡”…ƒ›ƒƒ—–—‡ƒ‰ƒ‹‡˜‡–›ƒ‰„‡•ƒ”

‹‹Ǥ



ƒ‹ Œ—‰ƒ ‡‰—…ƒ’ƒ –‡”‹ƒ ƒ•‹Š ‡’ƒ†ƒ ’‹ŠƒǦ’‹Šƒ ›ƒ‰ •—†ƒŠ ‡†——‰ ƒ…ƒ”ƒ ‹‹ǡ

Š—•—•›ƒ ‡’ƒ†ƒ ’ƒ”ƒ ’‡„‹…ƒ”ƒ —…‹ ȋ‡›‘–‡ •’‡ƒ‡”Ȍ ›ƒ‰ –‡ŽƒŠ „‡”•‡†‹ƒ ‡Ž—ƒ‰ƒ

™ƒ–—ǡ†ƒ„‡”„ƒ‰‹‹Ž—’‡‰‡–ƒŠ—ƒǡ‡–—ƒ  —•ƒ–ǡƒ’ƒ”Ǥ”‹—ƒ™ƒǡǡ‡–—ƒ  

ƒ•—ƒ—–—–‡”•‡Ž‡‰‰ƒ”ƒ›ƒƒ…ƒ”ƒ•‡‹ƒ”ƒ•‹‘ƒŽ  ‹‹Ǥ



‡‹‹ƒ Œ—‰ƒ ‡’ƒ†ƒ •‡Ž—”—Š ’”‘‰”ƒ •–—†‹ †ƒ ƒ–ƒ— ’‡”‰—”—ƒ –‹‰‰‹ ›ƒ‰ •—†ƒŠ ‡Œƒ†‹

…‘Š‘•–†ƒ’ƒ”ƒ’”‡•‡–‡”›ƒ‰•—†ƒŠ„‡”’ƒ”–‹•‹’ƒ•‹†ƒŽƒƒ…ƒ”ƒ•‡‹ƒ”ƒ•‹‘ƒŽ  ‹‹Ǥ



…ƒ’ƒ –‡”‹ƒ ƒ•‹Š †ƒ ƒ’”‡•‹ƒ•‹ ›ƒ‰ –‹‰‰‹ ƒ‹ —…ƒ’ƒ ‡’ƒ†ƒ •‡Žƒ—”—Š ’ƒ‹–‹ƒ ›ƒ‰

•—†ƒŠ „‡‡”Œƒ …‡”†ƒ• †ƒ ’‡—Š •‡ƒ‰ƒ– ‡›‹ƒ’ƒ ƒ…ƒ”ƒ ‹‹ǡ •‡Š‹‰‰ƒ †ƒ’ƒ– „‡”ŒƒŽƒ

†‡‰ƒ„ƒ‹†ƒŽƒ…ƒ”Ǥ



Š‹”ƒ–ƒǡ•ƒ›ƒ—…ƒ’ƒǤ

ƒ••ƒŽƒ—ǯƒŽƒ‹—ƒ”‘ŠƒǦ–—ŽŽƒŠŠ‹ƒ„ƒ”‘Ǧƒ–—Šǡ

ŠƒŽ‘ǡ

ƒ‘—††Šƒ›ƒǡ

ƒŽƒ‡„ƒŒ‹ƒ

ƒŽƒ‡ŒƒŠ–‡”ƒƒ‰‹‹–ƒ‡—ƒǡ

ƒ–‹Šƒ–‹Šƒ–‹Š



ƒ†—‰ǡʹͷ–‘„‡”ʹͲʹʹ

Dr. I Gusti Bagus Rai Utama, SE., M.MA., MA.

Rektor Universitas Dhyana Pura







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        vii

KETUA UMUM FORUM MANAJEMEN INDONESIA

Assalamu’alaikum, Wr.Wb



‡‹ƒ” ƒ•‹‘ƒŽ †ƒ ƒŽŽ ˆ‘” ƒ’‡”   ʹͲʹʹ ‹‹ ‡”—’ƒƒ

’‡‡‰ƒ•ƒƒ–ƒ•‘‹–‡  †ƒŽƒ‡ˆƒ•‹Ž‹–ƒ•‹’‡”–—ƒ”ƒ‹†‡

•‡”–ƒ‘Žƒ„‘”ƒ•‹ƒ–ƒ”ƒƒƒ†‡‹•‹†ƒ’‡‡Ž‹–‹ƒƒŒ‡‡ǡ—–—

„‡‡”Œƒ•ƒƒ‡†‡‘•–”—•‹–ƒ–ƒ‰ƒǦ–ƒ‰ƒ‰ƒƒƒŒ‡‡Ǥ



ƒ†ƒ –ƒŠ— ʹͲʹʹ ‹‹ǡ •‡‹ƒ”   †‹•‡Ž‡‰‰ƒ”ƒƒ †‹ ƒŽ‹ †ƒ

„‡”–‹†ƒ•‡„ƒ‰ƒ‹’‡›‡Ž‡‰‰ƒ”ƒƒ†ƒŽƒŠ‘‘”†‹ƒ–‘”‹Žƒ›ƒŠ  

ƒŽ‹ǡ „‡”•ƒƒ †‡‰ƒ ‹ †ƒ”‹   ‹˜‡”•‹–ƒ• Š›ƒƒ —”ƒ

ȋ ȌƒŽ‹ǡ†ƒƒˆ‹Ž‹ƒ•‹‡”Œƒ•ƒƒ‘Ǧ ‘•–ƒ–ƒ”‹˜‡”•‹–ƒ•

•‡Ž—”—Š †‘‡•‹ƒǤ



ƒ‹–‹ƒ –‡ŽƒŠ ‡‡”‹ƒ „‡”ƒ‰ƒ ƒ”›ƒ ‹Ž‹ƒŠ †ƒ”‹ ’‡”™ƒ‹Žƒ —‹˜‡”•‹–ƒ•Ǧ—‹˜‡”•‹–ƒ• †‹

•‡Ž—”—Š †‘‡•‹ƒǡ —–— †ƒ’ƒ– †‹’”‡•‡–ƒ•‹ƒ ’ƒ†ƒ •‡•‹ ƒŽŽ ˆ‘” ƒ’‡”ǡ ›ƒ‰ –‡”„ƒ‰‹ ’ƒ†ƒ

„‡„‡”ƒ’ƒ ‘•‡–”ƒ•‹ ”‹•‡– ƒƒŒ‡‡ ›ƒ‹–—ǣ ƒƒŒ‡‡ ‡ƒ•ƒ”ƒǡ ƒƒŒ‡‡ ‡—ƒ‰ƒǡ

ƒƒŒ‡‡—„‡”ƒ›ƒƒ—•‹ƒǡƒƒŒ‡‡’‡”ƒ•‹‘ƒŽ†ƒƒƒŒ‡‡—Ǥ



’”‡•‹ƒ•‹ †ƒ –‡”‹ƒ ƒ•‹Š •ƒ›ƒ •ƒ’ƒ‹ƒ ‡’ƒ†ƒ ‹ ƒ‹–‹ƒ †ƒ”‹   ‘”™‹Ž ƒŽ‹ǡ †ƒ

‹˜‡”•‹–ƒ• Š›ƒƒ —”ƒ ȋ Ȍ ƒŽ‹ǡ •‡”–ƒ ƒˆ‹Ž‹ƒ•‹ ‡”Œƒ•ƒƒ ‘Ǧ ‘•– ƒ–ƒ” ‹˜‡”•‹–ƒ•ǡ

›ƒ‰–‡ŽƒŠ‡’‡”•‹ƒ’ƒ•‡‰ƒŽƒ•‡•—ƒ–—›ƒ†‡‰ƒ„ƒ‹•‡Š‹‰‰ƒƒ–‹˜‹–ƒ•‡‹ƒ”ƒ•‹‘ƒŽ

†ƒ ƒŽŽ ˆ‘” ƒ’‡”   ʹͲʹʹ ‹‹ „‹•ƒ –‡”•‡Ž‡‰‰ƒ”ƒ •—•‡• †‹ ‘–‡Ž ƒ–”ƒ ƒŽ‹ ‡•‘”–ǡ •‡…ƒ”ƒ

›„”‹††‡‰ƒˆˆŽ‹‡†ƒŽ‹‡Ǥ



Š‹”ƒ–ƒǡ•ƒ›ƒ—…ƒ’ƒ•‡Žƒƒ–†ƒ–ƒ‰†‹ƒ…ƒ”ƒ‡‹ƒ”ƒ•‹‘ƒŽ†ƒƒŽŽˆ‘”ƒ’‡”  ʹͲʹʹ

†‹ƒŽ‹Ǥ ƒ”ƒ’ƒ•ƒ›ƒ•‡‘‰ƒ‡‘’ƒƒ‹–ƒ†ƒŽƒ‡‰‡„ƒ‰ƒ‡‹Ž—ƒ†ƒ’”ƒ–‹

ƒƒŒ‡‡ƒƒ•‡ƒ‹‡‰—ƒ–†‹ƒ•ƒ‡†ƒ–ƒ‰ǡ•‡Š‹‰‰ƒ„‹•ƒ„‡”ƒ†ƒ’–ƒ•‹‡‰Šƒ†ƒ’‹

„‡”ƒ‰ƒ‰‡Ž‘„ƒ‰’‡”—„ƒŠƒ’ƒ•…ƒƒ†‡‹‘˜‹†ǦͳͻǤ





ƒŽƒǡ



Sri Gunawan, DBA.

Ketua - Pengurus Pusat Forum Manajemen Indonesia





























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        viii

KETUA FMI KORWIL BALI

 Om Swastiastu,



—Œ‹ •›——” ƒ‹ ’ƒŒƒ–ƒ ‡Šƒ†‹”ƒ– —Šƒ ƒ‰ ƒŠƒ •ƒ

ƒ”‡ƒ „‡”ƒ– ”ƒŠƒ–›ƒ ‹–ƒ „‹•ƒ ‡›‡Ž‡‰‰ƒ”ƒƒ ƒ…ƒ”ƒ

‡‹ƒ” ƒ•‹‘ƒŽ †ƒ Call For Paper ʹͲʹʹ †‹ ƒŽ‹Ǥ ‡ƒ ›ƒ‰

†‹ƒ‰ƒ– ’ƒ†ƒ ƒ…ƒ”ƒ ‹‹ Dz‡•‘Ž—•‹ ƒƒŒ‡‡ ˜‡•–ƒ•‹

‡”‹–‡‰”‹–ƒ• ƒ†ƒ ”ƒ ‹‰‹–ƒŽdzǤ ‡ƒ ‹‹ •‡•—ƒ‹ †‡‰ƒ ‘†‹•‹

Ž‹‰—‰ƒ ›ƒ‰ –‡”Œƒ†‹ •ƒƒ– ‹‹ǡ †‹ƒƒ ’ƒ†‡‹ ‘˜‹† ͳͻ

‡ƒ•ƒ ‹–ƒ —–— ‡”—„ƒŠ mindset –‡–ƒ‰ ’‡”‹Žƒ— †‹‰‹–ƒŽ

Š—•—•›ƒ†ƒŽƒ‡Žƒ—ƒ‹˜‡•–ƒ•‹Ǥ



‡‹ƒ” ƒ•‹‘ƒŽ †ƒ Call For Paper ›ƒ‰ †‹•‡Ž‡‰‰ƒ”ƒƒ ‘Ž‡Š

  ‘”™‹Ž ƒŽ‹ †‡‰ƒ host ƒ—Ž–ƒ• ‘‘‹ƒǡ ‹•‹• †ƒ —ƒ‹‘”ƒ ‹˜‡”•‹–ƒ• Š›ƒƒ

—”ƒȋ ȌƒŽ‹ǡ†‹†——‰‘Ž‡Šcohost•‡„ƒ›ƒ͹ʹ—‹˜‡”•‹–ƒ•ǡͳͷ͵ͺ’‡•‡”–ƒǡ„‡”ƒ•ƒŽ†ƒ”‹

ʹͲʹ —‹˜‡”•‹–ƒ•ǡ †‹ ͺ͵ ‘–ƒǡ †ƒ ʹͺ ’”‘˜‹•‹ǡ †ƒ”‹ •‡Ž—”—Š †‘‡•‹ƒǤ —ŽƒŠ ‹‹ –‡–—

‡—Œ—ƒ‘‹–‡›ƒ‰–‹‰‰‹„ƒ‰‹’‡”‰—”—ƒ–‹‰‰‹ǡƒƒ†‡‹•‹†ƒ’”ƒ–‹•‹†‹ †‘‡•‹ƒ

—–— „‡”’‡”ƒ ƒ–‹ˆ †ƒŽƒ ƒ…ƒ”ƒ ‡‹ƒ” ƒ•‹‘ƒŽ †ƒ Call For Paper ›ƒ‰ †‹•‡Ž‡‰‰ƒ”ƒƒ

•‡…ƒ”ƒŠ›„”‹†ǡ„ƒ‹offlineƒ—’—online.



ƒ†ƒ‡•‡’ƒ–ƒ‹‹‹œ‹ƒƒ‹‡‰—…ƒ’ƒ–‡”‹ƒƒ•‹Š‡’ƒ†ƒ’‹ŠƒǦ’‹Šƒ›ƒ‰•—†ƒŠ

‡†——‰ƒ…ƒ”ƒ‹‹ǡŠ—•—•›ƒ‡’ƒ†ƒ’Ǥ”Ǥ”‹—ƒ™ƒǡ•‡Žƒ—‡–—ƒ  —•ƒ–›ƒ‰

•—†ƒŠ ‡„‡”‹ ƒ”ƒŠƒ †ƒ ƒ•—ƒ —–— ‡Žƒ…ƒ”ƒ ƒ…ƒ”ƒ ‡‹ƒ” ƒ•‹‘ƒŽ †ƒ Call For

Paper‹‹Ǥ ƒŒƒ”ƒ’‡‰—”—•’—•ƒ–›ƒ‰–—”—–‡„‡”‹ƒƒ”ƒŠƒ†ƒƒ•—ƒ†ƒŽƒ’‡”•‹ƒ’ƒ

‡‰‹ƒ–ƒ ‹‹Ǥ ‡‹‹ƒ Œ—‰ƒ ‡’ƒ†ƒ ƒ—Ž–ƒ• ‘‘‹ƒǡ ‹•‹• †ƒ —ƒ‹‘”ƒ ‹˜‡”•‹–ƒ•

Š›ƒƒ—”ƒȋ ȌƒŽ‹•‡„ƒ‰ƒ‹hostǡ†ƒ•‡Ž—”—Š—‹˜‡”•‹–ƒ•›ƒ‰•—†ƒŠ‡Œƒ†‹co-host

•‡”–ƒ ’ƒ”ƒƒ”ƒ•—„‡”›ƒ‰•—†ƒŠ„‡”’ƒ”–‹•‹–’ƒ•‹†ƒŽƒƒ…ƒ”ƒ‡‹ƒ”ƒ•‹‘ƒŽ†ƒCall For

Paper‹‹Ǥ…ƒ’ƒ–‡”‹ƒƒ•‹Š†ƒƒ’”‡•‹ƒ•‹›ƒ‰–‹‰‰‹ƒ‹—…ƒ’ƒ‡’ƒ†ƒ•‡Ž—”—Š’ƒ‹–‹ƒ

›ƒ‰ •—†ƒŠ „‡‡”Œƒ ‡”ƒ• †ƒ „‡”•‡ƒ‰ƒ– ‡›‹ƒ’ƒ ƒ…ƒ”ƒ ‹‹ǡ •‡Š‹‰‰ƒ †ƒ’ƒ– –‡”Žƒ•ƒƒ

†‡‰ƒ„ƒ‹Ǥ



‡‹‹ƒ •‡’ƒ–ƒŠ ƒ–ƒ †ƒ”‹ ƒ‹ǡ •‡„ƒ‰ƒ‹ ƒŠ‹” ƒ–ƒ “tiada gading yang tak retak” ƒ‹

‡‘Š‘ ƒƒˆ „‹Žƒ †ƒŽƒ ’‡”•‹ƒ’ƒ †ƒ ’‡›‡Ž‡‰‰ƒ”ƒƒ ƒ…ƒ”ƒ ‹‹ ƒ•‹Š ƒ†ƒ ŠƒŽǦŠƒŽ ›ƒ‰

—”ƒ‰„‡”‡ƒǤ‡‘‰ƒ•‡—ƒ‡—”ƒ‰ƒ†Ž’‡”•‹ƒ’ƒƒ—’—’‡›‡Ž‡‰‰ƒ”ƒƒ‡‰‹ƒ–ƒ

‹‹–‹†ƒ‡‰—”ƒ‰‹ƒƒ’‡”–‡—ƒ‹–ƒǤ



‡‘‰ƒ ‘”—ƒƒŒ‡‡ †‘‡•‹ƒ•‡ƒ‹•—•‡•‡†‡’ƒ›ƒǤ



ƒ–‹Šƒ–‹Šƒ–‹Š



ƒŽƒ

Prof. Dr. Dra. I Gusti Ayu Ketut Giantari, M.Si

Ketua FMI Korwil Bali









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        ix

SEKILAS FORUM MANAJEMEN INDONESIA



‡ƒ‹ „ƒ›ƒ›ƒ ‡†‹†‹ƒ ‹‰‰‹ „ƒ‹ ‡‰‡”‹ ƒ–ƒ—’— •™ƒ•–ƒ ›ƒ‰ ‡„—ƒ Œ—”—•ƒ

ƒƒŒ‡‡ǡ‡…‡”‹ƒ„‡–ƒ’ƒƒ•›ƒ”ƒƒ–‡„‡”‹ƒ”‡•’‘›ƒ‰•ƒ‰ƒ–„ƒ‹–‡”Šƒ†ƒ’

’‡”‡„ƒ‰ƒ„‹•‹•†‹ƒ•ƒ†‡’ƒǤ‹•‹•‹›ƒ‰Žƒ‹ǡŠƒŽ‹‹‡”—’ƒƒ–ƒ–ƒ‰ƒ›ƒ‰„‡”ƒ–

„ƒ‰‹ƒŽƒ‰ƒƒƒ†‡‹•‹’ƒ†ƒ‡†‹†‹ƒ‹‰‰‹•—’ƒ›ƒ„‹•ƒŽ‡„‹Š‡„‡ƒŽ‹†ƒ‡’‡”ƒ›ƒ

†‹”‹†‡‰ƒ‹Ž—›ƒ‰Ž‡„‹Š„ƒ‹Ǥ‡›‹ƒ’‹ˆ‡‘‡ƒ–‡”•‡„—–ǡ‡†‹†‹ƒ‹‰‰‹„ƒ‹‡‰‡”‹

ƒ—’— •™ƒ•–ƒ ›ƒ‰ –‡”•‡„ƒ” †‹ •‡Ž—”—Š †‘‡•‹ƒǡ „‡”‹‹•‹ƒ–‹ˆ •‡…ƒ”ƒ „‡”ƒŽƒ „‡”–‡— †ƒ

„‡”†‹•—•‹†‡‹•ƒŽ‹‰‡›ƒƒƒ˜‹•‹†ƒŽƒ”ƒ‰ƒ’‡‰‡„ƒ‰ƒ‹Ž—ƒƒŒ‡‡Ǥ



†ƒ’—’‡”›ƒ–ƒƒ’‡”›ƒ–ƒƒ›ƒ‰„‡”Šƒ•‹Ž†‹”——•ƒƒ–ƒ”ƒŽƒ‹ǣ

ͳǤ ƒŠ™ƒ’‡›‡Ž‡‰‰ƒ”ƒƒ’‡†‹†‹ƒ„‹†ƒ‰‹Ž—ƒƒŒ‡‡’ƒ†ƒ‡†‹†‹ƒ‹‰‰‹Šƒ”—•

„‡”’‡‰ƒ‰ –‡‰—Š ’ƒ†ƒ ’‡›‡Ž‡‰‰ƒ”ƒƒ ’‡†‹†‹ƒ ›ƒ‰ „‡”ƒ”–ƒ„ƒ–ǡ –‡”Š‘”ƒ–ǡ •‡”–ƒ

•‡•—ƒ‹†‡‰ƒ‡–‹ƒ†ƒ‘”ƒǦ‘”ƒƒƒ†‡‹›ƒ‰„‡”Žƒ—Ǥ

ʹǤ ƒŠ™ƒ’‡›‡Ž‡‰‰ƒ”ƒƒ’‡†‹†‹ƒ‹Ž—ƒƒŒ‡‡›ƒ‰ƒ†ƒ†‹‡†‹†‹ƒ‹‰‰‹Šƒ”—•

ƒ’—‡…‹’–ƒƒŽ—Ž—•ƒ›ƒ‰‡š…‡ŽŽ‡–•‡”–ƒ‡‹Ž‹‹‹–‡‰”‹–ƒ•ƒƒ†‡‹›ƒ‰–‹‰‰‹ǡ

„‡”™ƒ™ƒ•ƒŽ—ƒ•ǡ†ƒ›ƒ‰–‡”’‡–‹‰•‡•—ƒ‹†‡‰ƒ›ƒ‰†‹„—–—Šƒ‘Ž‡Š†—‹ƒ„‹•‹•Ǥ

͵Ǥ ƒŠ™ƒ †‡‹ –‡”™—Œ—†›ƒ ŠƒŽ –‡”•‡„—– †‹ ƒ–ƒ•ǡ ƒƒ †‹„—–—Šƒ ‘‹–‡ ›ƒ‰ –‹‰‰‹

„‡”—’ƒ„ƒ–ƒ•‹‹ƒŽ—–—’‡›‡Ž‡‰‰ƒ”ƒƒ’‡†‹†‹ƒ‹Ž—ƒƒŒ‡‡’ƒ†ƒ‡†‹†‹ƒ

‹‰‰‹†ƒ’ƒ––‡”’‡—Š‹Ǥ

ͶǤ ƒŠ™ƒ †‹’‡”Ž—ƒ •‡„—ƒŠ ‘”— ƒ‰ƒ” ‡‰‹ƒ–ƒ ’‡„‹ƒƒ ’ƒ”ƒ ƒƒ†‡‹•‹ „‹†ƒ‰ ‹Ž—

ƒƒŒ‡‡†ƒ’ƒ–Ž‡„‹Š–‡”‘‘”†‹ƒ•‹Ǥ

ͷǤ ƒŠ™ƒ ‘”— –‡”•‡„—– †‹’‡”‰—ƒƒ ‰—ƒ ‡™ƒ†ƒŠ‹ ‡›‡Ž‡‰‰ƒ”ƒ ”‘‰”ƒ –—†‹

ƒƒŒ‡‡ǡ ƒƒ†‡‹•‹ǡ †ƒ ‘ ƒƒ†‡‹•‹ —–— •Šƒ”‹‰ ‡‰‡ƒ‹ ‹•— ›ƒ‰ „‡”‡„ƒ‰

†ƒ †‹’‡”‰—ƒƒ —–— ‡‰‡„ƒ‰ƒ ‹Ž— ƒƒŒ‡‡ †‡‹ ‡‹‰ƒ–ƒ —–—

’‡›‡Ž‡‰‰ƒ”ƒƒ‡†‹†‹ƒ‹‰‰‹Ǥ



‡‹‡™—Œ—†ƒ•‡—ƒŠƒ”ƒ’ƒ›ƒ‰–‡”–—ƒ‰†ƒŽƒ’‡”›ƒ–ƒƒǦ’‡”›ƒ–ƒƒ†‹ƒ–ƒ•ǡƒƒ

†‹†‡Žƒ”ƒ•‹ƒ’‡†‹”‹ƒ•‘•‹ƒ•‹ ‘”—ƒƒŒ‡‡ †‘‡•‹ƒȋ  Ȍ’ƒ†ƒͳͲ‘˜‡„‡”ʹͲͲͺ

†‹—”ƒ„ƒ›ƒǤ

 –ƒ‡†‹”‹ƒǡ‘–ƒ”‹•‹†‹‘ƒŠƒ”Œ‘ǡ ǡ‘–ƒ”‹•†‹—”ƒ„ƒ›ƒǡͳͲ‘’‡„‡”ʹͲͳͲǤ

‡–‡”‹ —— †ƒ   ǡ ‘‘”  ǦͲͲͲͲͲͶ͵Ǥ ǤͲͳǤͲ͹ǡ ƒŠ— ʹͲͳͷǡ –‡–ƒ‰

‡‰‡•ƒŠƒ‡†‹”‹ƒƒ†ƒ ——‡”—’—Žƒ ‘”—ƒƒŒ‡‡ †‘‡•‹ƒǡ



‡”‹—–ƒ–‹˜‹–ƒ•‡‹ƒ”ƒ•‹‘ƒŽ†ƒ –‡”ƒ–‹‘ƒŽ‘ˆ‡”‡…‡–‡”•‡Ž‡‰‰ƒ”ƒ”—–‹•‡ŒƒʹͲͲͺǣ



FMI Seminar Nasional dan Call for Papers ICOI-FMI International Conference and Call for Papers

Tahun Penyelenggara Lokasi Aktivitas  Year Location Host University

ʹͲʹͳ  ‘”™‹Ž—Žƒ™‡•‹‡Žƒ–ƒ ‘–‡ŽŽƒ”‘ǡƒƒ••ƒ”  ʹͲʹͲ ƒ‰‘ǡŠƒ‹Žƒ† ”‹”‹˜‡”•‹–›

ʹͲʹͲ  ‡‰—”—•—•ƒ– ‡„‹ƒ”Ž‹‡  ʹͲͳͻ Ž•ƒǡ‘—–Š‘”‡ƒ Ž•ƒ‹˜‡”•‹–›

ʹͲͳͻ  ‘”™‹ŽƒŽ‹ƒ–ƒ‹—”Ƭ–ƒ”ƒ ‘–‡Ž—‹‡›‹—”ǡƒƒ”‹†ƒ  ʹͲͳͺ ——‘ƒǡ ƒ’ƒ ——‘ƒ‹˜‡”•‹–›

ʹͲͳͺ  ‘”™‹Ž—Žƒ™‡•‹‡Žƒ–ƒ ‘–‡Ž ‘”‹•‘ǡƒŽ‡„ƒ‰  ʹͲͳ͹ ‡‹Šƒ‹ǡŠ‹ƒ ƒ”„‹ •–‹–—–‡‘ˆ‡…ŠǤ

ʹͲͳ͹  ‘”™‹Ž ƒ™ƒ‡‰ƒŠ ‘–‡Žƒ–”ƒǡ‡ƒ”ƒ‰  ʹͲͳ͸ ‡‹Œ‹‰ǡŠ‹ƒ ‡‹Œ‹‰‹˜‘ˆŠ‡‹…ƒŽ‡…Š

ʹͲͳ͸ ‹˜Ǥƒ†—Žƒ‘Ȁ  ‘”™‹Ž—ŽǦ‡‰ ‘–‡Ž‡”…—”‡ǡƒŽ—  ʹͲͳͷ ‘‰Œƒƒ”–ƒǡ †‘‡•‹ƒ ‹˜‡”•‹–ƒ•‹”Žƒ‰‰ƒ

ʹͲͳͷ  ‘”™‹Ž ƒƒ”–ƒ ‘–‡Ž‹•…‘˜‡”›ǡ ƒƒ”–ƒ  ʹͲͳͶ ƒ‹ŽƒǡŠ‹Ž‹’‹‡• ‡ƒƒŽŽ‡‹˜‡”•‹–›

ʹͲͳͶ  ‘”™‹Ž—Žƒ™‡•‹–ƒ”ƒ ‘–‡Ž”ƒ†•–‘ǡ‡†ƒ  ʹͲͳ͵ —ƒ ‹ǡŠƒ‹Žƒ† —ƒ—ƒ†ŠƒƒŒƒ„Šƒ–‹˜Ǥ

ʹͲͳ͵  ‘”™‹ŽƒŽ‹ƒ–ƒ ‘–‡Ž‡”…—”‡ǡ‘–‹ƒƒ  ʹͲͳʹ —”ƒ„ƒ›ƒǡ †‘‡•‹ƒ ‹˜‡”•‹–ƒ•‹”Žƒ‰‰ƒ

ʹͲͳʹ  ‘”™‹Ž ‘‰Œƒƒ”–ƒ ‘–‡Ž ƒƒ”—†ƒǡ ‘‰Œƒ  ʹͲͳͳ  ‘”™‹Ž ƒ™ƒƒ”ƒ– ‘–‡Žƒ˜‘› ‘ƒǡƒ†—‰  ʹͲͳͲ  ‘”™‹Ž ƒ™ƒ‹—” ‘–‡ŽŠ‡”ƒ–‘ǡ—”ƒ„ƒ›ƒ  ʹͲͲͺ ‹˜Ǥ‹”Žƒ‰‰ƒǡ ‡’–ƒƒŒ‡‡ Ǧ‹˜Ǥ‹”Žƒ‰‰ƒǡ—”ƒ„ƒ›ƒ 



(11)



        x

Information regarding collaboration of FMI Indonesia and IAOI USA





THE INTERNATIONAL ASSOCIATION OF ORGANIZATIONAL INNOVATION (IAOI)™ƒ•

ˆ‘—†‡† ‹ ʹͲͲͷ ‹ ǡ ƒ• ƒ ‘Ǧ”‘ˆ‹– –‡”ƒ–‹‘ƒŽ ”‰ƒ‹œƒ–‹‘ †‡˜‘–‡† –‘ ‹–‡”ƒ…–‹‘

ƒ‘‰ ‹‘˜ƒ–‘”• ˆ”‘ ƒŽŽ †‹•…‹’Ž‹‡• ˆ”‘ ƒ”‘—† –Š‡ ™‘”Ž†Ǥ   …‘–”‹„—–‡• –‘ ƒ „‡––‡”

—†‡”•–ƒ†‹‰ǡ ’”ƒ…–‹…‡ ƒ† ƒ……‡’–ƒ…‡ ‘ˆ …”‡ƒ–‹˜‹–› ƒ† ‹‘˜ƒ–‹‘ ‹–‡”ƒ–‹‘ƒŽŽ›ǤŠ‡  

ƒ…Š‹‡˜‡•–Š‹•„›‘”‰ƒ‹œ‹‰—ƒŽ –‡”ƒ–‹‘ƒŽ‘ˆ‡”‡…‡‘ˆ”‰ƒ‹œƒ–‹‘ƒŽ ‘˜ƒ–‹‘ȋ  ȌǢ

„—‹Ž†‹‰ ƒ ‡–™‘” ‘ˆ ‹–‡”‡•–‡† ’‡”•‘• ‹ –Š‡ •—„Œ‡…–• ‘ˆ …”‡ƒ–‹˜‹–› ƒ† ‹‘˜ƒ–‹‘Ǣ

•–‹—Žƒ–‹‰”‡•‡ƒ”…Šƒ††‹•–”‹„—–‹‰”‡•‡ƒ”…Š’—„Ž‹…ƒ–‹‘•–Š”‘—‰ŠŠ‡ –‡”ƒ–‹‘ƒŽ ‘—”ƒŽ

‘ˆ ”‰ƒ‹œƒ–‹‘ƒŽ ‘˜ƒ–‹‘ ȋ  ȌǤ ‘” ‘”‡ ‹ˆ‘”ƒ–‹‘ ‘ –Š‡ –‡”ƒ–‹‘ƒŽ ••‘…‹ƒ–‹‘ ‘ˆ

”‰ƒ‹œƒ–‹‘ƒŽ ‘˜ƒ–‹‘ǡ‰‘–‘ǣŠ––’ǣȀȀ™™™Ǥ‹ƒ‘‹—•ƒǤ‘”‰Ȁ‹ƒ‘‹Ȁ



THE INTERNATIONAL JOURNAL OF ORGANIZATIONAL INNOVATION (IJOI)ǡ™‹–Š ͳͻͶ͵Ǧ

ͳͺͳ͵ǡ‹•ƒ‹–‡”ƒ–‹‘ƒŽǡ‹–‡”†‹•…‹’Ž‹ƒ”›ǡ‘’‡Ǧƒ……‡••ǡ†‘—„Ž‡Ȃ„Ž‹†ǡ’‡‡”Ȃ”‡˜‹‡™‡†Œ‘—”ƒŽǤ

Š‡”‡ƒ”‡‘’”‹–˜‡”•‹‘•‘ˆ–Š‹•Œ‘—”ƒŽǢŠ‘™‡˜‡”ǡ–Š‡Œ‘—”ƒŽ’†ˆˆ‹Ž‡ƒ›„‡†‘™Ž‘ƒ†‡†ƒ†

’”‹–‡†Ǥ Š‡ ‘˜ƒ–‹‘ ”‡Žƒ–‡† –‘’‹…• ‹…Ž—†‡ ƒƒ‰‡‡– Ƭ ‘”‰ƒ‹œƒ–‹‘ƒŽ †‡˜‡Ž‘’‡–

–Š‡‡•ǡƒ•™‡ŽŽƒ•‡‰‹‡‡”‹‰Ƭ ƒ’’Ž‹…ƒ–‹‘™‹–Š‹‘”‰ƒ‹œƒ–‹‘Ǥ  ‹•Ž‹•–‡†‹–Š‡  ȋ•–ƒ”–‡†ˆ”‘ —Ž›ʹͲͳͺ‹••—‡Ȍǡ”‘—‡•–ƒ†‹•‹–‡”ƒ–‹‘ƒŽŽ›†‹•–”‹„—–‡†„›Š‘•–Ǥ ‘”

‘”‡‹ˆ‘”ƒ–‹‘ǣŠ––’ǣȀȀ™™™Ǥ‹Œ‘‹Ǧ‘Ž‹‡Ǥ‘”‰Ȁ



THE INTERNATIONAL CONFERENCE ON ORGANIZATIONAL INNOVATION (ICOI)ǡŒ‘‹

’”‘‰”ƒ ™‹–Š   †‘‡•‹ƒǡ ‹• –‘ •‡”˜‡ ƒ• ƒ ’”‹ƒ”› …Šƒ‡Ž ‘ˆ ‘™Ž‡†‰‡ •Šƒ”‹‰ ƒ† –Š‡

’”‘‘–‹‘ ‘ˆ ‹‘˜ƒ–‹‘ ‹–‡”ƒ–‹‘ƒŽŽ›Ǥ …ƒ†‡‹… ™‹ŽŽ „‡ ’”‘˜‹†‡† ™‹–Š ƒ ‘’’‘”–—‹–› –‘

’”‡•‡–ƒ††‹•…—••–Š‡‹”’ƒ’‡”•‹–Š‡ƒ”‡ƒ‘ˆǣƒ”‡–‹‰ƒƒ‰‡‡–ǡ ‹ƒ…‡ƒƒ‰‡‡–ǡ

—ƒ ‡•‘—”…‡ ƒƒ‰‡‡–ǡ –”ƒ–‡‰‹… ƒƒ‰‡‡–ǡ –”‡’”‡‡—”•Š‹’ǡ —’’Ž› Šƒ‹

ƒƒ‰‡‡–ǡ ƒ† ƒƒ‰‡‡– ˆ‘”ƒ–‹‘ ›•–‡Ǥ ŽŽ ’ƒ’‡”• ƒ……‡’–‡† ™‹ŽŽ „‡ —„Ž‹•Š‡† ‹

‘ˆ‡”‡…‡ ”‘…‡‡†‹‰ ƒ† ™‹ŽŽ „‡ •—„‹––‡† ˆ‘” ˆ—”–Š‡” ‹†‡š‹‰ –‘   ȋ‘ˆ‡”‡…‡

”‘…‡‡†‹‰• ‹–ƒ–‹‘ †‡š Ȃ Š‘•‘ ‡—–‡”Ȍǡ ƒ† ‘‘‰Ž‡ …Š‘Žƒ”Ǥ ™ƒ”† ˆ‘” Dz—–•–ƒ†‹‰

ƒ’‡”dz ™‹ŽŽ „‡ ƒ†‡ǡ ƒ† ƒ—–Š‘”• ‘ˆ •‡Ž‡…–‡† ‡š…‡ŽŽ‡– ’ƒ’‡” ™‹ŽŽ „‡ ”‡…‘‡†‡† „› Š‡

‘‹––‡‡–‘”‡Ǧ•—„‹–‡š–‡†‡†˜‡”•‹‘‘ˆ–Š‡‹”…‘ˆ‡”‡…‡’ƒ’‡”ǡ–‘–Š‡‡†‹–‘”‘ˆ Ȁ…‘’—•

‘—”ƒŽǤ ‡”‡ƒ”‡–Š‡Ž‘…ƒ–‹‘•‘ˆ  ƒ—ƒŽ…‘ˆ‡”‡…‡•ǣ

  ʹͲʹͲȂƒ‰‘ǡŠƒ‹Žƒ†

  ʹͲͳͻȂŽ•ƒǡ‘—–Š‘”‡ƒ

  ʹͲͳͺȂ ——‘ƒǡ ƒ’ƒ

  ʹͲͳ͹Ȃ‡‹Šƒ‹ǡŠ‹ƒ

  ʹͲͳ͸Ȃ‡‹Œ‹‰ǡŠ‹ƒ

  ʹͲͳͷȂ ‘‰Œƒƒ”–ƒǡ †‘‡•‹ƒ

  ʹͲͳͶȂƒ‹ŽƒǡŠ‹Ž‹’’‹‡•

  ʹͲͳ͵Ȃ —ƒ ‹ǡŠƒ‹Žƒ†

  ʹͲͳʹȂ—”ƒ„ƒ›ƒǡ †‘‡•‹ƒ

  ʹͲͳͳȂ—ƒŽƒ—’—”ǡƒŽƒ›•‹ƒ

  ʹͲͳͲȂƒ‰‘ǡŠƒ‹Žƒ†

  ʹͲͲͻȂ‹ƒǡŠ‹ƒ

  ʹͲͲͺȂƒŒ‹‰ǡŠ‹ƒ

  ʹͲͲ͹ȂŠƒ‰Šƒ‹ǡŠ‹ƒ







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        iii

DAFTAR CO-HOST FMI 14 BALI



No Universitas - CoHost FMI 2022 Bali Kota

ͳƒ  ‹˜‡”•‹–ƒ•Š›ƒƒ—”ƒ ƒŽ‹

ͳ„ ‡’–ƒƒŒ‡‡ ‹˜‡”•‹–ƒ•‹”Žƒ‰‰ƒ —”ƒ„ƒ›ƒ

ʹ ‹˜‡”•‹–ƒ•†ƒ›ƒƒ ƒŽ‹

͵ ”‘†‹ƒƒŒ‡‡ǡ‹˜ƒŠƒ•ƒ”ƒ•™ƒ–‹ ƒŽ‹

Ͷ ‹˜‡”•‹–ƒ•‰—”ƒŠƒ‹ ƒŽ‹

ͷ ‹˜‡”•‹–ƒ•‡Ž‹–ƒƒ‰•ƒ ‡ƒ•‹

͸ ‹˜‡”•‹–ƒ•‡‰‡”‹‘‰›ƒƒ”–ƒ ‘‰›ƒƒ”–ƒ

͹ ‹˜‡”•‹–ƒ•ƒ”Œƒƒ™‹›ƒ–ƒƒƒ•‹•™ƒ ‘‰›ƒƒ”–ƒ

ͺ   †‘‡•‹ƒƒ‹‰…Š‘‘Ž ƒƒ”–ƒ

ͻ ‡”„ƒƒ• •–‹–—–‡ ƒƒ”–ƒ

ͳͲ ”‘†‹ƒƒŒ‡‡ǡ‹˜ •Žƒƒ”—ŽŽ— ƒ‘‰ƒ

ͳͳ ‹˜‡”•‹–ƒ•”‹•–‡—–ƒƒ…ƒƒ ‘‰›ƒƒ”–ƒ

ͳʹ ”‘†‹ƒƒŒ‡‡ǡ ‹˜‡‰‡”‹ƒƒ•ƒ” ƒƒ••ƒ”

ͳ͵ ‹˜‡”•‹–ƒ•ƒŠ‡†”ƒ†ƒ––ƒ ƒŽ‹

ͳͶ ‹˜‡”•‹–ƒ•‡”Œ—ƒ‰ƒ ƒ•‹ƒŽƒ›ƒ

ͳͷ ”‘†‹ƒƒŒ‡‡ǡ ‹˜‡”•‹–ƒ•—”ƒ„ƒ›ƒ —”ƒ„ƒ›ƒ

ͳ͸ ”‘†‹ƒƒŒ‡‡ǡ ‹˜‡”•‹–ƒ•”ƒ™‹Œƒ›ƒ ƒŽƒ‰

ͳ͹ ‹˜‡”•‹–ƒ•ƒ”—– ƒ”—–

ͳͺ ‹˜‡”•‹–ƒ• „ŠƒŽ†— ‘‰‘”

ͳͻ ‹˜‡”•‹–ƒ• •ŽƒƒŠ†Žƒ–—ŽŽƒƒ ‡’ƒ”ƒ ‡’ƒ”ƒ

ʹͲ ‹˜‡”•‹–ƒ•–‹—„ƒ ‡ƒ”ƒ‰

ʹͳ ‹˜‡”•‹–ƒ•”‹•–‡”‹†ƒƒ…ƒƒ ƒƒ”–ƒ

ʹʹ ‹˜‡”•‹–ƒ•ƒ”ƒ†‡™ƒ ƒŽ‹

ʹ͵ ‹˜‡”•‹–ƒ•—Žƒ™ƒ”ƒ ƒƒ”‹†ƒ

ʹͶ ‹˜‡”•‹–ƒ•ƒŽƒ‰ƒƒ›ƒ ƒŽƒ‰ƒ”ƒ›ƒ

ʹͷ ‹˜‡”•‹–ƒ•ƒ—ƒ ‘‰‘”

ʹ͸ ‹˜‡”•‹–ƒ•‘–‡•‹–ƒƒ ‡†ƒ

ʹ͹ ‹˜‡”•‹–ƒ•‹’‘‡‰‘”‘ ‡ƒ”ƒ‰

ʹͺ ‹˜‡”•‹–ƒ•”‹•–‡ †‘‡•‹ƒƒ—Ž—• ƒƒ••ƒ”

ʹͻ ‹˜‡”•‹–ƒ•†‹Œ‡ƒ ƒŽ‘’‘

͵Ͳ  —‹–ƒ• ƒ†—‰

͵ͳ ‹˜‡”•‹–ƒ•ƒ†—Žƒ‘ ƒŽ—

͵ʹ ‹˜‡”•‹–ƒ•‡‰‡”‹ƒŽƒ‰ ƒŽƒ‰

͵͵   —”ƒ„ƒ›ƒ —”ƒ„ƒ›ƒ

͵Ͷ ‹˜‡”•‹–ƒ•‡”–ƒ‹ƒ ƒƒ”–ƒ

͵ͷ ‹˜‡”•‹–ƒ•—•Ž‹ †‘‡•‹ƒ ƒƒ••ƒ”

͵͸ ”‘†‹ƒƒŒ‡‡ǡ •–‹–—–‡‘Ž‘‰‹ƒ‹•ƒ†ƒŽƒ ‡„‡”

͵͹ ‹˜‡”•‹–ƒ•‡–Š‘†‹•– †‘‡•‹ƒ ‡†ƒ

͵ͺ ‹˜‡”•‹–ƒ•ƒ–‘Ž‹‘‡‰‹Œƒ’”ƒƒ–ƒ ‡ƒ”ƒ‰

͵ͻ ‹˜‡”•‹–ƒ•‡†‹†‹ƒƒ‡•Šƒ ‹‰ƒ”ƒŒƒƒŽ‹

ͶͲ ‹˜‡”•‹–ƒ• •Žƒ †‘‡•‹ƒ ‘‰›ƒƒ”–ƒ

Ͷͳ ”‹•ƒ–‹…Š‘‘Ž‘ˆƒƒ‰‡‡– ƒƒ”–ƒ



(13)



        iv

No Universitas - CoHost FMI 2022 Bali Kota Ͷʹ ”‘†‹ƒƒŒ‡‡ǡ •–‹–—–‡‘Ž‘‰‹‡’—Ž—Š‘˜‡„‡” —”ƒ„ƒ›ƒ

Ͷ͵ ”‘†‹ƒƒŒ‡‡ǡ‹˜ƒ–‘Ž‹ƒ”ƒ‡†‹ƒ —”ƒ„ƒ›ƒ

ͶͶ ‹˜‡”•‹–ƒ• •Žƒ‹ƒ— ‡ƒ„ƒ”—

Ͷͷ ‹˜‡”•‹–ƒ• •ŽƒƒŽƒ‰ ƒŽƒ‰

Ͷ͸ ‹˜‡”•‹–ƒ•‡‰‡”‹‡ƒ”ƒ‰ ‡ƒ”ƒ‰

Ͷ͹ ‹˜ƒŠ†Žƒ–—ŽŽƒƒ—”ƒ„ƒ›ƒ —”ƒ„ƒ›ƒ

Ͷͺ ‹˜‡”•‹–ƒ•ƒ„—‰ƒ‰—”ƒ– ƒŒƒ”ƒ•‹

Ͷͻ ‹˜‡”•‹–ƒ• •Žƒ—Ž–ƒ‰—‰ ‡ƒ”ƒ‰

ͷͲ ‹˜‡”•‹–ƒ•ƒ•—†ƒ ƒ†—‰

ͷͳ ‹˜‡”•‹–ƒ• ‡„‡” ‡„‡”

ͷʹ ‹˜‡”•‹–ƒ• ƒŽ—Ž‡‘ ‡†ƒ”‹

ͷ͵ ‹˜‡”•‹–ƒ•‹‰ƒ’‡”„ƒ‰•ƒ ƒ”ƒ™ƒ‰

ͷͶ ”‘†‹ƒƒŒ‡‡ ƒ ƒ™ƒ‡‰ƒŠ ‡ƒ”ƒ‰

ͷͷ ‹˜‡”•‹–ƒ•ƒ†Œƒ†Œƒ”ƒ ƒ†—‰

ͷ͸ ‹˜‡”•‹–ƒ•‡†‹†‹ƒƒ•‹‘ƒŽ ƒŽ‹

ͷ͹ ‹˜‡”•‹–ƒ•‡‰‡”‹‘”‘–ƒŽ‘ ‘”‘–ƒŽ‘

ͷͺ ‹˜‡”•‹–ƒ•‡”†‡ƒƒŽƒ‰ ƒŽƒ‰

ͷͻ ‹˜ –‡”ƒ•‹‘ƒŽ‡‡ †‘‡•‹ƒ ”‡•‹

͸Ͳ ‹˜‡”•‹–ƒ•Šƒ”ƒ†ƒŽƒ• ƒ†ƒ‰

͸ͳ ‹˜‡”•‹–ƒ•Žƒ„ƒ– ‹ƒŠƒ•ƒ–ƒ”ƒ

͸ʹ ‹˜‡”•‹–ƒ•‹Ž‹™ƒ‰‹ ƒ•‹ƒŽƒ›ƒ

͸͵ ‹˜‡”•‹–ƒ•‡”…——ƒƒ ƒƒ”–ƒ

͸Ͷ ‹˜‡”•‹–ƒ•ƒ–ƒ”ƒ ƒ–ƒ”ƒ

͸ͷ ”‘†‹ƒƒŒ‡‡ —–ƒƒ–ƒ†Œƒ —„ƒ‰

͸͸ ‹˜‡”•‹–ƒ•ƒ’‹• ƒ›ƒ’—”ƒ

͸͹ ‹˜‡”•‹–ƒ•‹–—™—ƒ”‘•‘‘•‘ ‘•‘—Ž‡‰

͸ͺ ‹˜‡”•‹–ƒ•—Šƒƒ†‹›ƒŠ—™—ƒ‰‰ƒ‹ —™——Ž‡‰

͸ͻ ‹˜‡”•‹–ƒ•‡–‡”ƒ ƒ™ƒ‹—” —”ƒ„ƒ›ƒ

͹Ͳ ‹˜‡”•‹–ƒ•Šƒ†ƒŠŽƒ ‘‰›ƒƒ”–ƒ

͹ͳ ‹˜‡”•‹–ƒ•ƒ–‘Ž‹ƒ”ƒŠ›ƒ‰ƒ ƒ†—‰

͹ʹ ‹˜‡”•‹–ƒ•ƒ–‘Ž‹‡ƒƒŽŽ‡ ƒƒ†‘

ȗ”‘ˆ‹ŽŽ‡‰ƒ’‘ ‘•–†ƒ’ƒ–†‹ƒ•‡•†‹Š––’•ǣȀȀˆ‹Ǥ‘”Ǥ‹†Ȁ































(14)



        v

DAFTAR REVIEWER



Nama Bidang

Kepakaran Afiliasi

”Ǥ —•–‹ƒ‰—•ƒ‹–ƒƒǡǤǡǤǤǡ

ƒƒŒ‡‡

‡ƒ•ƒ”ƒ†ƒ

ƒ”‹™‹•ƒ–ƒ

‹˜‡”•‹–ƒ•Š›ƒƒ

—”ƒ

”Ǥ ƒ›ƒ†‹”•ƒ™ƒǡǤǡ

ƒƒŒ‡‡

†ƒƒƒŒ‡‡

–”ƒ–‡‰‹

‘Ž‹–‡‹‡‰‡”‹ƒŽ‹

”Ǥ”•Ǥ”‹”‹›‘‘—†‹ƒ–‘•‘ǡ ƒƒŒ‡‡

†ƒ

‡™‹”ƒ—•ƒŠƒƒ

‹˜‡”•‹–ƒ•Š›ƒƒ

—”ƒ

”ǤŠ”‹•–‹—Ž‹ƒ—”ƒƒ”‹—”–‹ǡǤǡǤ‹ ƒƒŒ‡‡

‡—ƒ‰ƒ

‹˜‡”•‹–ƒ•Š›ƒƒ

—”ƒ

”Ǥ‡›‡‘ƒŽƒ•ƒ”‹ǡǤǡ ƒƒŒ‡‡ ‹˜‡”•‹–ƒ•Š›ƒƒ

—”ƒ

”Ǥ ƒ†‡—”›ƒ‡‰ƒ”ƒ—†‹”ƒǡǤǡǤǡ ƒƒŒ‡‡

–”ƒ–‡‰‹ ‹˜‡”•‹–ƒ•†ƒ›ƒƒ

”Ǥ—Š‡†‡”‹”–‹‹ǡǤǡǤ‹ ƒƒŒ‡‡

‡—ƒ‰ƒ

‹˜‡”•‹–ƒ•

†ƒ›ƒƒ

”Ǥ …ƒ‹ƒƒ†”ƒ‹‰”ƒ–ǡǤǡ ƒƒŒ‡‡

‡—ƒ‰ƒ

‹˜‡”•‹–ƒ•

†ƒ›ƒƒ

”Ǥ‹ƒ›ƒƒ™ƒ–‹ǡǤǡ ƒƒŒ‡‡

‡ƒ•ƒ”ƒ

‹˜‡”•‹–ƒ•

†ƒ›ƒƒ

”Ǥ—•–‹‰—”ƒŠ ‘‘†‹‡‰ƒ”ƒǡǤǤǡǤǤ ƒƒŒ‡‡

‡ƒ•ƒ”ƒ

‹˜‡”•‹–ƒ•Š›ƒƒ

—”ƒ

”Ǥ ƒ›ƒ‹†›ƒƒǡǤǡ

ƒƒŒ‡‡

‡—ƒ‰ƒ†ƒ

‡™‹”ƒ—•ƒŠƒƒ

‹˜‡”•‹–ƒ•

ƒŠƒ•ƒ”ƒ•™ƒ–‹

”Ǥƒ‰—‰™‹‹†›ƒ‹ǡǤǤǡǤǤ ƒƒŒ‡‡

†ƒƒƒŒ‡‡

–”ƒ–‡‰‹

‹˜‡”•‹–ƒ•

ƒŠƒ•ƒ”ƒ•™ƒ–‹

”Ǥ ƒ›ƒ—•’‡†‹ —ƒ‡†‹ǡǤǤǡǤǤǡ

‡™‹”ƒ—•ƒŠƒƒ

†ƒƒƒŒ‡‡

’‡”ƒ•‹‘ƒŽ

‹˜‡”•‹–ƒ•Š›ƒƒ

—”ƒ

”Ǥ †ƒ›——–—‹†ƒ‹—‰‹ƒ‹‰”ƒ–ǡǤǡ ƒƒŒ‡‡ ‹˜‡”•‹–ƒ• ‹†—

†‘‡•‹ƒ

”Ǥ”ƒǤ‹‡–—–ƒ”™‹‹ǡ ƒƒŒ‡‡

‡ƒ•ƒ”ƒ    ƒ†ƒ›ƒ‹













(15)



        vi

DAFTAR ISI



MAIN HOST ... iii

PROSIDING NASIONAL ... v

KATA PENGANTAR ... vi

SEKILAS FORUM MANAJEMEN INDONESIA ... ix

DAFTAR CO-HOST FMI 14 BALI ... iii

DAFTAR REVIEWER ... v

DAFTAR ISI ... vi

LIST OF ACCEPTED ABSTRACT ... vii

PARALLEL SESSION ... xxxiv

















































(16)



        vii

LIST OF ACCEPTED ABSTRACT



TOPIK 1: MANAJEMEN PEMASARAN



  Ǧ        

Desi Tri Kurniawati, Nuraini Desty Nurmasari, Mega Dwi Andriani

ͳ

             

Ǧ  

Nurjannah, Wahyudi, Nasruddin, Rudianto

ʹ

     ǡ        

Asnawati, Herning Indriastuti, Vivi Zuleha

͵



Meitiana, Rusdiana, Despriawan

Ͷ

         ȋ   

  Ȍ

Timothy Joshua, Anny Nurbasari, Agus Aribowo, Tatik Budiningsih

ͷ

Kamalina Din Jannah, Hero Herwindo Sakti Arjunanda

͸

Ǧ   ǡ  ǡ      

Nursiti, Fakhrah Amir

͹

      Ǥ   

Arton Briyan Prasetio, Sheila Grenvani

ͺ

Yohanes Ferry Cahaya, Anissa Putri Gustira, Annathasia P.

Erasashanti

ͻ

  

Mutia Tri Satya

ͳͲ

    ǣ       

    Ǧͳͻ  

Vita Briliana, Guniadi Fialim

ͳͳ

        Yanti Agustina, Retno Tanding Suryandari, Erghana Kanza Kirana

ͳʹ

 

(17)



        viii

ƒŽ‹•‹•‡’—ƒ•ƒ†ƒ‘›ƒŽ‹–ƒ•‡Žƒ‰‰ƒ‡‡ƒ–—”ƒŒƒ„†‡‰ƒ‹–”ƒ

‡”‡†ƒ‡’‡”…ƒ›ƒƒ•‡„ƒ‰ƒ‹ƒ”‹ƒ„‡Ž‡Œ‡Žƒ•

Muji Gunarto, Rully Armanto, Alfi Nura

ͳ͵

Fauzia Shabrina, Klemens Wedanaji Prasastyo

ͳͶ

Gabriel Adinda Vidya Kusuma, Aulia Danibrata ͳͷ

           

Ni Made Wahyuni, Kadek Goldina Puteri Dewi, I Ketut Darma

ͳ͸

  

Kristina Verianti Jehaduk, Ety Istriani

ͳ͹

Meilan Toyibah Hermanto, Irma Satya Indriyanti

ͳͺ

      ǣ        



Suci Putri Lestari, Kusuma Agdhi Rahwana

ͳͻ

       ǡ   ǡ   

     Ǥ       

   

Dede Jajang Suyaman, Rahmi Amalia

ʹͲ

     

Lanang Andhika Perwira Bayuaji, Denny Septa Haryanti

ʹͳ

      

 

Maris Agung Triandewo, Alfira Azzahra

ʹʹ

   

Nidia Irmadela, Albari Albari

ʹ͵

   

Fenny Chaindra Tanuwijaya, Nuno Sutrisno ʹͶ

ͳͻ

Hendro Sasongko, Herman

ʹͷ

  

Nonik Kusuma Ningrum, Agus Dwi Cahya, Lusia Tria Hatmanti Hutami, Putri Dwi Cahyani

ʹ͸

            

      

Taufik Hidayat, Aftoni Sutanto, Rensi Novita, Zunan Setiawan, Agus Siswanto

ʹ͹

(18)



        ix

         ǦǦ   



Sania Aurora Sabilla, I Made Bayu Dirgantara

ʹͺ

Ǧ  

Novita Kumala Sari, Mujahid, Abdul Samad A, Nasyirah Nurdin, Ilham Safar

ʹͻ

     ȋȌ

Ibnu Khajar, Nelly Ertika Agistya ͵Ͳ

   ǡ  

Sony Kusumasondjaja

͵ͳ

      

R. Hurriyati, S.Sulastri, R.Fiona, Mayasari, Ratu Dintha IZFS

͵ʹ

ȋ   Ȍ

Yohan Wismantoro, MG. Westri Kekalih Susilowati, Heribertus Himawan

͵͵

   

Siti Normi, Maludin Panjaitan, Radema Yanti Togatorop

͵Ͷ

 

Noor Kholis, Alifah Ratnawati

͵ͷ

š’‡”‹‡–ƒŽ ƒ”‡–‹‰ǡ ‡’—ƒ•ƒ ‘•—‡  †ƒ ‹ƒ– ‡Ž‹ Žƒ‰ ƒ†ƒ ‹–‡Ž

‘†‡”‡

Andreas Ari Sukoco

͵͸

     ǡ      

             

  Ǧͳͻ

Jonathan Herdioko

͵͹

   

Ranti Herlina Sandi, Lucia Nurbani Kartika

͵ͺ

             ǡ

Vivy Kristinae, Yunikewaty, Tahasak, Suwandy

͵ͻ

         ǡ

  

Alifah Ratnawati

ͶͲ

            

 Ǧ

Doni Partawijaya Turnip, Purwani Retno Andalas

Ͷͳ

(19)



        x

    

Lalu Ilham Arta Bahari, RR. Siti Muslikhah

Ͷʹ

   

Nugraheny Noor Febrina, Tri Lestari Wahyuning Utami

Ͷ͵

    

Rusniati Rusniati, Ahsanul Haq

ͶͶ

     

Henny Welsa, Nonik Kusuma Ningrum, Ambar Lukitaningsih, Kusuma Chandra Kirana

Ͷͷ

         

Moh. Aldrin Akbar, Duta Mustajab

Ͷ͸

 

Abdul Haris M Zen, Mohammad Aldrin Akbar, Ilham Safar

Ͷ͹

Ǧ         

Reynold, Christina Rahardja, Andhy Setyawan

Ͷͺ

               

   

Ni Luh Ketut Ayu Sudha Sucandrawati

Ͷͻ

Sumadi

ͷͲ

             

   Ǧ   

Bahrain Pasha Irawan, Ken Sudarti, MA.Irfan Rahmana

ͷͳ

    

Endang Sulistya Rini, Yeni Absah, Beby Karina Fawzeea

ͷʹ

          

Puji Rahmah

ͷ͵

          

     Asnia Minarti

ͷͶ

Syaiful Arifin, Nirwana

ͷͷ

               



Ni Ketut Seminari, I Gusti Agung Ketut Sri Ardani



ͷ͸

(20)



        xi

‡‰ƒ”—Š ƒ›ƒ ƒ”‹ǡ ‡ƒŠŽ‹ƒǡ ‘–‡ ˆ‘”ƒ–‹ˆǡ †ƒ ‘–‡ –‡”ƒ–‹ˆ

ˆŽ—‡…‡”–‡”Šƒ†ƒ’‡‹‰‹ƒ—–—‡‹”—†ƒ‹ƒ–‡Ž‹

Ni Made Wulandari Kusumadewi

ͷ͹

Nonik Kusuma Ningrum, Nurul Myristica Indraswari, Ignatius Soni Kurniawan, Nala Tri Kusuma

ͷͺ

              

   

Diah Yulisetiarini, Winge Tara Martadinata, Ariwan Joko Nusbantoro, Bambang Irawan, Agus Priyono

ͷͻ

   ǡ   Ari Gunawan, Daisy Arimetha Dau, Ervina, Nofriandy Imanuel, Achmad Syamsudin, Vivy Kristinae

͸Ͳ

     

RR. Yulianti Prihatiningrum, Meiske Kristin Lumanauw, Imam Suharto

͸ͳ

   Ǧ         

 

Adhika Putra Wicaksono

͸ʹ

  Ǧ  

Masyadi

͸͵

     

   

Sindi Stela Lopita, Murwanto Sigit

͸Ͷ

 

Rizky Akbar Nugroho, Asmai Ishak

͸ͷ

 

Josephine Rachelia Meruvishnu, Budi Sudaryanto

͸͸

  ȋʹȌ 

Albertus Agung Prasetyono, Idris, Sugeng Wahyudi

͸͹

’Ž‡‡–ƒ•‹‹‰‹–ƒŽ—•–‘‡”‡Žƒ–‹‘•Š‹’ƒ”‡–‹‰ƒ†ƒǤȋ‡”•‡”‘Ȍ

‹– †—‹Žƒ›ƒŠƒŽ‹ƒ–ƒƒ”ƒ–

Dina Octaviani, Adi Mursalin, Rianti Ardana Reswari, Cesy Iola Kariza, Aisyah, Sigit Sugiardi

͸ͺ

            

   

ȋ  Ȍ

Savero Marcello, Marcus Remiasa

͸ͻ

(21)



        xii

 

Muhammad Aghistni Maulana Salsabil, Muhammad Ridwan Basalamah, Rahmawati, Mohamad Bastomi

͹Ͳ

  ǡ        

     

Nurul Muttamimah, Budi Wahono, Ita Athia, Ratna Tri Hardaningtyas

͹ͳ

ȋ     Ȍ

Yenni Permata Windri, Dien Mardhiyah

͹ʹ

        

 

Nahda Aprilia, Istyakara Muslichah

͹͵

  ǡ ǡ   Ǧͳͻ 

    

Idris, Syamsul Bahri DP, Lina Mahardiana, Ramli Hatma

͹Ͷ

Maskuri Sutomo, Vitayanti Fattah, Farid

͹ͷ

           

Lutfi Nurcholis, Agus Tri Atmojo

͹͸

  Ǧͳͻ   

Meiliani, Andhy Setyawan, Indarini

͹͹

Ǧ     Ǧ   Ǧ   Ǧ Nuruni Ika Kusuma Wardhani, Tri Kartika Pertiwi, Muhadjir Anwar

͹ͺ

Ǧ   ǣ     

Ǧ 

Ira Nuriya Santi, Wahyuningsih, Muzakir, Maskuri Sutomo, Adfiyani Fadjar

͹ͻ

  ǣ           

 ʹͲʹʹ

Fithri S Marwati, Ilham S Dharmawan, Istiatin, Sudarwati

ͺͲ

         

Elia Ardyan, Oscarius Yudhi Ari Wijaya

ͺͳ

  ǡ ǡ

   

Diana Sari, Hana Gokma Bertiani, Rora Puspita Sari, Tri Febrianti



ͺʹ

 

(22)



        xiii

         Ken Sudarti, Hendar, Bahrain Pasha Irawan

ͺ͵

   Ǧͳͻ    Rinni Wardani, Leani, Planoko Januardo, Yiyin Susana

ͺͶ

  ͳͻ

Sri Anik, Bedjo Santoso

ͺͷ

     

Muhammad Nasir, Abdurahman Basalamah

ͺ͸

    ǣ         

  

Erwin

ͺ͹

   ǡ    ǡ      

            

  

Felix Azizi, Daru Asih

ͺͺ

             

    ǡ 

Ahmad Alim Bachri, Nuril Huda, Siti Aliyati Albushairi

ͺͻ

 ȋ–—†‹ƒ•—•ƒ†ƒ  Ȍ

Moh Zulfa, Osmad Muthaher

ͻͲ

      

Erma Sri Hastuti, Sri Ayuni ͻͳ

 

Dyah Sri Wulandari, A.Firsa Ariza, Nurhayati

ͻʹ

             

      

Arief Budiman

ͻ͵

           

  

Augusty Tae Ferdinand

ͻͶ

Kevin Satriani Nusapatuah, Arif Hartono

ͻͷ

Dewi, Hayuning Purnama ͻ͸

Ǥȋ    Ȍ

Ratna Roostika, Fitra Hariadi

ͻ͹



 

(23)



        xiv

Mulyana

ͻͺ

      

      

Rila Anggraeni, Dimas Hendrawan, Dimas Hendrawan

ͻͻ

            

  ͳͻ

Linda Wati, Surya Dharma, Oktavia Dina Putri

ͳͲͲ

      

Anisya RahmadaniǡAnas Hidayat, Muhmmad Bakr Muhlison ͳͲͳ

Tinneke Hermina, Acep Abdul Basit, Muslim Alkautsar, Hanifah Fauziah

ͳͲʹ





TOPIK 2 : MANAJEMEN KEUANGAN

     

Puput Tri Komalasari, Rahmat Heru Setianto

ͳͲ͵

        ǫ

Mychelia Champaca, Moch. Nurhidayat ͳͲͶ

 

Hamdi Agustin, Awliya Afwa, Poppy Camenia Jamil

ͳͲͷ

  Ǥ   ʹͲͳͻǦ ʹͲʹͲ

Rafiqah Asaff, Fricilya Febrianti M, Suryati, Andi Meriam

ͳͲ͸

            

  Ǥ     

ʹͲͳͺǦʹͲʹͲ

Muhammad Haekal Yunus, Arini Lestari Aris, Munawir, Abdillah Furqan

ͳͲ͹

        ʹͲͳͻǦʹͲʹͲ ǣ    

  

Musdalifah Azis, Tetra Hidayati, Abd Rakhman, dan Maulidah Fitriyati

ͳͲͺ

            

    

Sutrisno

ͳͲͻ

Mutamimah Mutamimah, Zaenudin Zaenudin

ͳͳͲ

 

(24)



        xv

Khansa Shabihah, Dedi Rusdi

ͳͳͳ

      ǣ    

 ȋ Ȍ

Clarisa Sutana, Nila Pusvikasari

ͳͳʹ

   

Sarah Putrianza Harahap, Tita Deitiana

ͳͳ͵

                 

             

ʹͲͳ͸ǦʹͲʹͲȌ

Dharmayanti Pri Handini, Hanif Rani Iswari, Siti Nur Ainun

ͳͳͶ

               ǣ   

    

Felisitas Defung, Dwi Ananda Putri

ͳͳͷ

              

     

Wirasmi Wardhani, Hairul Anwar, Efraim Rudi, Nita Priska Ambarita

ͳͳ͸

 ʹͲͳͷǦʹͲʹͲ

Adji Suratman, Hamilah, Laela Rahmawati

ͳͳ͹

      Ǧ ǣ   

 ǡ    

Vina Permata Sari, Christiana Fara Dharmastuti

ͳͳͺ

Sulaeman Rahman Nidar, Arief Alda, Layyinaturrobaniyah ͳͳͻ

         

Rizky Yudaruddin ͳʹͲ

             

 

Munawir, Erwina, Ishak Runi, Andi Dewi Angreyani

ͳʹͳ

    ǡ  ǡ     

 Ǧͳͻ    

Ikhsan Noor Priambudi, Sri Mulyati

ͳʹʹ

          

      ʹͲͳͺǦʹͲʹͲ

Ratna Komara, Wardhana

ͳʹ͵

   ǡ  ǡ ǡ

            ȋ  

    ʹͲͳ͸ǦʹͲͳͻȌ

Ramlawati, Nur Azisah Mashudi, Muh. Haerdiansyah Syahnur

ͳʹͶ

(25)



        xvi

   

Ekky Rowy Prasetyo, Beny

ͳʹͷ

          Ǧͳͻ

Burhanuddin ͳʹ͸

Layyinaturrobaniyah, Sulaeman Rahman Nidar, Annisa Nadhira Ramadhani

ͳʹ͹

         ǫ

Ketty Novelina Tarigan, Erika Jimena Arilyn ͳʹͺ

        ǦͶͷ

   

Bella Dian Fadtami, Nurfauziah, Dra. MM

ͳʹͻ

     ǡ      ȋȌ    



Budiandriani, Khairina Rosyadah, Mahfud Nurnajamuddin

ͳ͵Ͳ

        ǡ      ǡ   ǡ 

 Ǧͳͻ     ǣ       ǡ

ǡ         

 ȋ Ȍ

Justina Ade Judiarni, Lufiyandi Supriatman, Efraim Fredy Rudi, Ravli Ihza Mahendra Sanputra

ͳ͵ͳ

   ǣ    

  

Nunung Ghoniyah, Sri Hartono

ͳ͵ʹ

         

     ȋ–—†‹ƒ•—•’ƒ†ƒ‡”—•ƒŠƒƒ‡–‘”

‡‘Ž‘‰‹›ƒ‰–‡”†ƒˆ–ƒ”†‹—”•ƒˆ‡ †‘‡•‹ƒƒŠ—ʹͲͳͷǦʹͲʹͲȌ

Sary Laili Azmi, Wisnu Mawardi

ͳ͵͵

          

            ȋ–—†‹ ’ƒ†ƒ

†—•–”‹ ”‘’‡”–› †ƒ ‡ƒŽ •–ƒ–‡ ›ƒ‰ ‡”†ƒˆ–ƒ” †‹ —”•ƒ ˆ‡ †‘‡•‹ƒ

‡”‹‘†‡ʹͲͳ͸ǦʹͲʹͲȌ

Yatazya Muzamil, Prasetiono

ͳ͵Ͷ

            

            ȋ  ǣ   

     ʹͲʹʹȌ

Hersugondo Hersugondo, Imam Ghozali, Trimono Trimono

ͳ͵ͷ

       

Arih Jannati, Mahirun, M. Maulidin Fachrur

ͳ͵͸

               

     Astuti Yuli Setyani

ͳ͵͹

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