Determinants of customers’ intentions towards environmentally sustainable banking: Testing the structural model

The sustainability of food waste is one of the most important contemporary economic, social, and environmental issues that encompasses useful academic, practical, and policymaking implications. Under the domain of sustainability, food waste is a serious global challenge with a growing public, political, and corporate concern. Existing literature regarding the sensitization of consumers and the promotion of waste cautious behaviors still has much room for improvement in household waste. To bridge the gap in the literature, this study identifies and examines determinants of young consumers’ food waste reduction behavior in households. Using a sample size of 391 young consumers of household food products from Pakistan, a full-scaled administrative survey is conducted, and our hypotheses are empirically tested by using the PLS structural modeling equation. Our findings reveal significant impacts from both cognitive and emotional aspects on sustainable food waste reduction behavior. Our results have several important implications for policymakers and all the stakeholders, especially for marketers, including advertising strategies, policies to mitigate the impact of food waste, and the development of educational programs related to food waste.

Sustainability of Household Food Waste Reduction: A Fresh Insight on Youth's Emotional and Cognitive Behaviors.

Customers’ quality of life, advocacy and banks’ CSR‐fit: A cross‐validated moderated mediation model

There is a global concern over climate change issues. The banking sector is expected to join the initiatives in solving environmental issues, even though banking sectors have no direct contribution to environmental damage. Banking commitment to environmental issues is required. The banking sector should have a responsibility for monitoring and managing the impacts of the ecological effects as the result of their business activities. The advantages of green banking implementation are that bank can avoid the use of paper by utilizing online transaction for their daily operation such as internet banking, SMS banking, and ATM. This will bring in the paperless operation into the banks, which in turn will reduce the logging of the forest. Banks also can develop an environmentally friendly lending policy for their business activities. This research aims to determine the impact of green banking daily operation, green banking policy (GBP), capital adequacy, non-performing loan (NPL), bank efficiency, and bank liquidity on bank profitability. The sample of this research is the Indonesian banking sector during the period 2012–2016. The results showed that green banking daily operation, capital adequacy, and bank liquidity have a positive effect on bank profitability. GBP and bank efficiency negatively affect bank profitability, while the NPL did not have a significant impact on banks’ profitability.

Implementation of Green Banking and Financial Performance on Commercial Banks in Indonesia


Purpose
This study aims to explore an emerging phenomenon – gourmet meal kits delivered to out-of-towners from iconic local restaurants. This study explores the interplay of goal framing and basic needs and their effects on customer intentions. This study also examines the underlying mechanism of experience cocreation and the moderating effect of food involvement.


Design/methodology/approach
This study develops a framework that combines the self-determination theory (SDT) and customer experience cocreation. Two online experimental studies involving 478 US consumers were conducted to examine the underlying mechanism of customers’ decision-making on purchasing gourmet meal kits (Study 1) and visiting destination restaurants after receiving the meal kit (Study 2).


Findings
Intrinsic goal-framing leads to stronger intentions to purchase gourmet meal kits and to visit destination restaurants that sell meal kits. In contrast, extrinsic goal-framing enhances the positive influence of perceived relatedness and competence on behavioral intentions. The effects of goal framing and basic needs on behavioral intentions are moderated by food involvement and mediated by experience cocreation to varying degrees.


Originality/value
To the best of the authors’ knowledge, this study is among the first to empirically examine an emerging business model – delivering restaurants’ food experiences to out-of-towners. The study also expands the application of the SDT by incorporating customer cocreation as the underlying mechanism.


Cocreating food experience “delivered” from iconic local restaurants

Banks offer loans to support many projects; however, some of these projects may not give adequate consideration to the environment. Little is known regarding the extent to which banking customers experience guilt when discovering that their bank supports projects that disregard the environment. An experiment with 313 participants was conducted, and the results showed that customers do experience guilt when discovering that their bank supports projects that do not give adequate consideration to the environment. This study found that guilt drives perceived consumer effectiveness and negative word‐of‐mouth regarding banking projects that neglect environmental considerations but not attitudes towards green banking. Negative word of mouth, but not the attitude towards green banking, mediates the effect of perceived consumer effectiveness on the intention to use green banking services. Negative word‐of‐mouth, rather than attitudes towards green banking and its perceived consumer effectiveness, drives the intention to use green banking services. These findings imply that banks need to encourage their customers to perceive that they are eco‐friendly to avoid a significant loss of customers.

Consumer guilt and green banking services

Connecting Intention to Use Online Banking, Commitment to Environmental Sustainability, and Happiness: The Role of Nature Relatedness

This study aims to analysis the important factor that influence the use of internet banking according to Booklet Perbankan Indonesia 2016 and the implication for the marketing of internet banking services. Security has become a determining factor which affecting the use of internet banking services. It is important for the bank to find out how to maintain the customers who have used the internet banking services in order to encounter competition with a variety of banking services distribution channels innovation. This research used purposive and snow ball sampling. Data collection is done by distributing questionnaires to individual users of internet banking in Indonesia. The results showed that security as the important determining factors that influence to use internet banking, while auxiliary features do not.

http://journal.feb.unmul.ac.id/index.php/KINERJA/article/download/322/62

Faktor penentu yang mempengaruhi penggunaan layanan internet banking

This study aims to describe and analyze the motivations of using internet banking with gender as the moderation to representation the consumer behavior which can provide design of marketing strategies based on customers’ desires and needs. The sampling techniques are a purposive and a snowball sampling with 250 respondents in Surabaya. The result shows that perceived of usefulness, perceived ease of use, perceived of security and bank initiatives are motivations that encourage using the internet banking service. However, gender as the moderation does not influence to all these factors in using internet banking services. https://doi.org/10.26905/jmdk.v6i2.2331

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Motivasi Penggunaan Layanan Internet Banking dan Hubungannya dengan Perbedaan Gender

Organisasi mahasiswa (Ormawa) merupakan wadah pembinaan dan pengembangan minat serta bakat mahasiswa pada bidang seni, olahraga maupun bidang ilmiah. Universitas Hayam Wuruk (UHW) Perbanas sebagai salah satu institusi perguruan tinggi swasta di Surabaya memiliki 24 Unit Kegiatan Mahasiswa (UKM). Keseluruhan UKM tersebut tergabung dalam wadah Ormawa. Pengelolaan Ormawa pada perkembangannya memerlukan tata kelola. Penerapannya melalui pemeriksaan (audit) secara rutin dan khusus guna memastikan pelaksanaan program kerja dan pendanaan sesuai dengan standar mutu dan prosedur. Berdasarkan hal tersebut maka tujuan dari penelitian ini adalah merancang sistem informasi pemeriksaan internal berbasis situs web dengan model waterfall. Bahasa pemrograman menggunakan HTML 5, PHP 7 dan terintegrasi dengan aplikasi Ormawasite. Uji coba terhadap sistem telah dilakukan dengan metode black-box dan sistem telah berhasil menyimpan, memperbarui serta menghapus periode pemeriksaan awal maupun akhir, kertas kerja pemeriksaan, serta rubrik penilaian daftar tilik terhadap hasil pemeriksaan. Sistem pemeriksaan Ormawa dengan nama SIRAM dapat diimplementasikan pada periode pemeriksaan berikutnya sebagai penerapan pengendalian internal perguruan tinggi secara efektif dan efisien.

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Ellen Theresia Sihotang

Papers

Consumer guilt and green banking services

Connecting Intention to Use Online Banking, Commitment to Environmental Sustainability, and Happiness: The Role of Nature Relatedness

Faktor penentu yang mempengaruhi penggunaan layanan internet banking

Motivasi Penggunaan Layanan Internet Banking dan Hubungannya dengan Perbedaan Gender

Sistem Pengendalian Manajemen Organisasi Mahasiswa (Ormawa) pada Perguruan Tinggi dengan Aplikasi Website