scholarly journals GOVERNMENT REGULATION AND SUSTAINABILITY OF KENYA’S INSURANCE COMPANIES

1970 ◽  
Vol 4 (1) ◽  
pp. 1
Author(s):  
Johannes Mwangangi Kitaka ◽  
Dr. David Kiragu ◽  
Prof. Simmy M. Marwa
Keyword(s):  
Data Collection ◽  
Customer Service ◽  
Government Regulation ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Insurance Companies ◽  
Primary Data ◽  
Measurement Tool ◽  
Unique Contribution ◽  
Validity And Reliability

Purpose: The study investigated government regulation and sustainability of Kenya’s insurance companies. Methodology: The study adopted the positivist research philosophy and employed a descriptive research design. The target population of the study was the 51 insurance companies registered by the Insurance Regulatory Authority (IRA) of Kenya as at 31st December 2016. The study took a proportionate sample of 30 companies from 10 life, 15 general and 5 composite companies. The primary data collection was through a structured questionnaire with closed questions. A pilot study was carried out before questionnaire distribution, which ensured the research instrument validity and reliability, before distribution through both hand delivery and email, followed by a telephone call to the respondents and a research assistant later visiting the respondents to collect the filled questionnaires. The raw data was cleaned, edited, coded and analyzed to generate descriptive statistics of ANOVA and T-test and inferential statistics of mean, standard deviation and frequencies,  while secondary data was collected using data collection sheets. Study Findings: The findings showed that there is a moderating effect of government regulation on drivers of sustainability of insurance companies in Kenya. While there was positive and significant effect of government regulation on capital adequacy, management capability and sensitivity to risk, government regulation had no moderation on asset quality as management of other variables of management quality, capital adequacy and risk sensitivity would address the quality of capital. Unique Contribution: The study recommends that IRA opens up the RBC measurement tool to bring in sustainability and management indices. Further, IRA should review regulation to support the insurance companies to enhance innovation and customer service delivery, which are key for growth, and sustainability of the various insurance companies in the country.

scholarly journals MANAGEMENT CAPABILITY AND SUSTAINABILITY OF KENYA’S INSURANCE COMPANIES

1970 ◽  
Vol 4 (1) ◽  
pp. 15
Author(s):  
Johannes Mwangangi Kitaka ◽  
Dr. David Kiragu ◽  
Prof. Simmy M. Marwa
Keyword(s):  
Data Collection ◽  
Cost Driver ◽  
Insurance Companies ◽  
Primary Data ◽  
Unique Contribution ◽  
Insurance Company ◽  
Validity And Reliability ◽  
Inferential Statistics ◽  
Junior Staff ◽  
Management Capability

Purpose: The study explored how management capability influences sustainability of insurance companies in Kenya. Study Methodology: The study adopted the positivist research philosophy and employed a descriptive research design. The target population of the study was the 51 insurance companies as registered by the Insurance Regulatory Authority of Kenya as at 31st December 2016. The study took a proportionate sample of 30 companies from 10 life assurance companies, 15 from those conducting general insurance business and 5 from those performing both life and general business as composite companies. The primary data collection was through a structured questionnaire with closed questions. A pilot study was carried out before questionnaire distribution, which ensured the research instrument validity and reliability, before distribution through both hand delivery and email, followed by a telephone call to the respondents and a research assistant later visiting the respondents to collect the filled questionnaires, while secondary data was collected using data collection sheets. The raw data was cleaned, edited, coded and analyzed using SPSS analytical tool to generate descriptive and inferential statistics. The study performed data analysis using multiple regressions to determine the relationship of the independent variable to the dependent variable. Using descriptive statistics such as the mean, standard deviation and frequencies the data was analyzed.   Further, the study applied inferential statistics such as the ANOVA and the T-test.   The Study Findings: The findings of the study were that management capability has a positive and significant effect on sustainability of Kenya’s insurance companies. In conclusion, the slogan of people being companies’ most valued asset should not just be mentioned in passing in employee-management and board meetings, but must be practiced across the company. Unique Contribution: The Kenyan insurance companies should review their operating organizational structures so that the mix of employees in the middle management, senior management and junior staff is adjusted to achieve an efficient and effective structure to enhance customer experience, as this is critical and is a significant cost driver in the management cost structure of an insurance company. There should be more staff assigned to operations that is policy administration, renewal retention units, customer service and claims management. Specialists and management should be few and either internal staff or outsourced services.  In conclusion insurance companies should ensure embedment of their recruitment, hiring, training and development policies in their business processes.

scholarly journals PERLINDUNGAN HUKUM BAGI BANK TERKAIT PERJANJIAN KREDIT KEPEMILIKAN RUMAH DENGAN PENGIKATAN SURAT KUASA MEMBEBANKAN HAK TANGGUNGAN DISERTAI PERJANJIAN BUY BACK GUARANTEE DI KOTA DENPASAR

Acta Comitas ◽  
2016 ◽  
Author(s):  
Ni Ketut Supasti Darmawan ◽  
I Nyoman Sumardika ◽  
I Nyoman Gede Paramartha
Keyword(s):  
Data Collection ◽  
Government Regulation ◽  
Home Ownership ◽  
Economic Recession ◽  
Secondary Data ◽  
The State ◽  
External Factors ◽  
Primary Data ◽  
Land Area ◽  
Buy Back

Home ownership credit faciliities are very much needed by the people who have low and medium buying power. In theory, as set forth in Article 1, paragraph (2) of the Regulation of the State Minister of Agrarian Services/Head of National Body for Land Affairs (BPN) No. 4 of 1996, with the binding of SKMHT is only granted to secure certain credits ,i.e. to finance simple ownership , modest homes, condominiums with land area of 200m2 and the building has not more than 70m2. In practice many home ownership credit facilities are granted to buy a house with a land area of more than stated by the provision above. Problems also occurs with the provisions of Article 15 paragraph (1) of UUHT which require SKMHT regarding land rights which are already registred, SKMHT must be followed by the making of APHT as late as 1(one) month. Rights to land that has not been registered, should be followed by creating APHT as late as 3(three) months after the SKMHT is granted in accordance with Article 15 of UUHT paragraph (2). However, in granting Home ownership credit, the provision applied is Article 1, paragraph (2) of the Regulation of the State Minister of Agrarian Services/Head of Nation Body for Land Affairs (BPN) No. 4 of 1996 confirming that SKMHT is not mandatory until the end of the principal agreement. The principle issue in this study is the factors that cause the developer defaults on the SKMHT agreement completed with buy back guarantee and the efforts made by a bank if a developer defaults on yhe agreement of buy back guarantee. Type of research used in this thesis was empirical legal research, which departed from the gap between Government Regulation State Minister of Agrarian Services/Head of Nation Body for Land Affairs (BPN) No. 4 of 1996, and the prevailing reality. The Approach used was a qualitative approach. Primary data collection technique was conducted using the method of taking sample interview with the Non-Random Sampling; secondary data collection was done through the technique of documentary studies and tertiary legal materials in the form of dictionaries and encyclopedias. The results showed that the factors that caused the developer defaults on the agreement of SKMHT equipped with buyback guarantee are internal and external factors. The internal factor is the missue of credit facilities and bad character of developers. External factors that make economic recession are that the bank interest rate jump dramatically, as a result many debitors are unable to pay loans. Efforts made by the bank if a developer defaults on the agreement of buy back guarantee can be an effort in litigation and non-litigation paths. The best solution for creditors is through non-litigation paths.

scholarly journals KESADARAN HUKUM MASYARAKAT DALAM JUAL BELI TANAH DENGAN AKTA PPAT DI KECAMATAN TINANGGEA KABUPATEN KONAWE SELATAN SULAWESI TENGGARA

Jurnal Akta ◽  
2017 ◽  
Vol 4 (3) ◽  
pp. 425
Author(s):  
Rifan Agrisal Ruslan ◽  
Umar Ma’ruf
Keyword(s):  
Data Collection ◽  
Government Regulation ◽  
Legal Protection ◽  
Secondary Data ◽  
Land Rights ◽  
Land Ownership ◽  
Primary Data ◽  
The Public ◽  
Land Grab ◽  
The People

The purpose of writing in this study is the first, to know and analyze factors Some people in Tinanggea Sub-District South Konawe Regency of Southeast Sulawesi that has not yet had legal awareness in the act of buying and selling land ownership in the presence of PPAT. Second, To know and Analyze Efforts - Local Government efforts in awakening the community in District Tinanggea South Konawe Southeast Sulawesi against the sale and purchase of land ownership in the presence of PPAT. Third To know to be done in order to Maasyarakat in Tinanggea Sub-District of Konawe Selatan Regency in Sulawesi Teggara performs the sale and purchase of land ownership in the presence of PPAT.The approach method used in this research is empirical juridical. Juridically, this research is based on the rule of law of Basic Agrarian Law and Government Regulation Number 37 Year 1998 juncto Government Regulation Number 24 Year 2016. Empirically, this study aims to know about the rules related to the transfer of land rights with the fact that occurred that deviate from the rules that prevail in the District Tinanggea South Konawe Southeast Sulawesi. Specification of Research that is the object of research is the plot of land is the transfer of Rights to Land with the act of buying and selling of land ownership in the presence of PPAT conducted. Sources and Techniques Data collection is primary data obtained from interviews conducted by 30 respondents and secondary data obtained from the opinions of scholars and literature review. Then Theory in use is Position Theory, Authority Theory and Theory of Legal Certainty.From the results of research can be concluded that the legal consciousness of the people of Tinanggea Sub-District of South Konawe Regency of Southeast Sulawesi is related to the transfer of land rights due to the sale and purchase of land ownership in the presence of the First PPAT: Caused by lack of PPAT and PPATS in the community, which is set by the competent authorities, Caused by a very high kinship and Due to a very low legal community awareness. The second is the government's efforts in the form of socialization held by the local revenue agency related Value Object Tax (NJOP), Tinanggea sub-district office along with jejerannya Kelurahan and village appealed and made a place for reporting / consultation related to the transfer of rights of Sale and Purchase of Land, Cooperation undertaken by Tinanggea Subdistrict Sub-District and Village that make the Letter of Statement of Physical Land Mastery (SPPFT) that the letter is known by Kecamatan Kelurahan and Desa. The third is: The ideal concept of the author's research is the legal counseling to the public to grow knowledge to the public about the importance of legal awareness of the act of buying and selling land ownership in the presence of PPAT, Socialization of the sale and purchase of land ownership in the presence of PPAT. As a form of government service to the public in awakening the rights and obligations of the people in the eyes of the law and Data Collection and the making of Land Book is aimed to record and provide a legal protection for the community so that no land grab or land disputes.Keywords: Legal Awareness, Sale and Purchase, Tinanggea Sub-district.

Influence of Islamic Auto Financing Instruments on Financial Performance of Commercial Banks in Isiolo County Kenya

2021 ◽  
Vol 6 (1) ◽  
pp. 70-85
Author(s):  
Abdi Huka Halake ◽  
Dr. Nancy Rintari ◽  
Fredrick Mutea
Keyword(s):  
Financial Performance ◽  
Customer Service ◽  
Commercial Banks ◽  
Secondary Data ◽  
Unique Contribution ◽  
Validity And Reliability ◽  
Policy And Practice ◽  
Loan Officer ◽  
Loan Officers ◽  
Isiolo County

Purpose: The purpose of the study was to explore the influence of Islamic auto financing instruments on financial performance of commercial banks in Isiolo County Kenya. Methodology: This study used descriptive research design. The respondents were customer service officers and loan officers in the ten commercial banks in Isiolo County. They were be selected using census method. Data collection was done using closed-ended questionnaires and secondary data collected through analysis of report from 2017 to 2020. To ensure validity and reliability, pre-testing of questionnaires was done at Kenya Commercial Bank in Meru town. Coded data in SPSS 24.0 computer program analyzed quantitative and qualitative data using the descriptive statistics such as mean, percentage and standard deviation. Multiple regression was used to test hypothesis of the study. Tables, graphs and detailed explanations were used to present the final results of the study. Results: Options had a statistically significant relationship with financial performance. The respondents agreed that the lending terms of Islamic automobile financing have attracted diverse clients (mean of 4.78). However, in comparison with other statements, the respondents did not tally that having sharia committee in disbursing car loans had enabled clients have confidence with the automobile loans (mean of 3.83). The R value was 0.862 and R-square of 0.743. This indicated that Islamic auto financing instruments’ level of contribution towards financial performance was 74.3%. The Durbin- Watson value was 1.969. This value lied between 0 and 2 hence indicating that there was a positive correlation between auto financing instruments and financial performance. The significance value was 0.000 which was below 0.05 hence Islamic Auto financing instruments had a significant influence of financial performance. In addition, the respondents did not tally that having sharia committee in disbursing car loans had enabled clients have confidence with the automobile loans. This proved that the confidence that clients had on auto financing, was not purely on the nature and process of administration of the financing but also due to reliability. Unique contribution to theory, policy and practice: The study recommends that auto financing should be provided reliably by ensuring all client concerned are amicably handled by the banking staff. The various car loan officer should be trained on good customer service to as to ensure they sell well their products without necessarily losing new clients. The bank management should also diversify auto financing to cater for all categories of vehicles for expansion of their client base.

scholarly journals IDENTIFIKASI ALIH FUNGSI LAHAN PERTANIAN MENJADI NON-PERTANIAN (INDUSTRI) DI KABUPATEN CIANJUR SERTA DAMPAK BAGI PEREKONOMIAN MASYARAKAT WILAYAH SETEMPAT DI DESA SUKASIRNA KABUPATEN CIANJUR

2019 ◽  
Vol 6 (01) ◽  
pp. 29-37
Author(s):  
A. Gustiwan ◽  
Lia Warlina
Keyword(s):  
Land Use ◽  
Data Collection ◽  
Government Regulation ◽  
Agricultural Land ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Industrial Area ◽  
Primary Data ◽  
Industrial Land ◽  
The Impact

Sukasirna Village is one of ten villages that existed in Kecamatan Sukaluyu. The area of Kecamatan Sukaluyu  is about 48.02 km2 or 4,802 ha. In the local Government Regulation No. 17 Year 2012 about Spatial Plan Kabupaten Cianjur in 2011 – 2031 set Kecamatan Sukaluyu bas set industrial zone. The research objectives area to identify land use change and it’s impact were to the economy of community in Desa Sukasirna. Data collection techniques were primary and secondary data collection. Primary data obtained from the results of observation and dissemination of questionnaires to the communities and farmers, while the secondary data obtained from relevant institutions agencies such as BAPPEDA, Badan Pusat Statistik, and the Office of Sukasirna Village. Method used for data analysis were descriptive analysis and overlay techniques for land use map in 2006, 2011, and 2016. The reseach resultan showed there was conversion of agricultural land into industrial land use. The area of agricultural land i.e ricefield in 2006 was 81.1 percent, in 2011 was 77 percent and in 2016, the area was 66.2 percent. The Langest conversion of agricultural land into industrial land was in 2011 to 2016 with an area of 57,37. The impact on livelihoods and people's income in 2016 had a decline in the number of farmers and there was an increasing livelihood of factory employees. The growth of industry increased the income of the community in 41 percent and additional income such as trading around the industrial area. Impacts on farmers led to a decrease in land ownership of farmers with a percentage of 48 percent, as well as other impacts on the environment were water pollution and air /sound pollution with a percentage of 70 percent.   Kata Kunci : Guna Lahan, Perubahan Guna Lahan, Pemukiman, dan Pemasukan

Pengaruh Locus of Control Dan Motivasi Belajar Terhadap Hasil Belajar

2021 ◽  
Vol 2 (1) ◽  
pp. 39-42
Author(s):  
Priska Arinanda Yuni Fasari ◽  
Supri Wahyudi Utomo ◽  
Farida Styaningrum
Keyword(s):  
Locus Of Control ◽  
Data Collection ◽  
Learning Outcomes ◽  
Secondary Data ◽  
Simple Random Sampling ◽  
Learning Motivation ◽  
Primary Data ◽  
Significant Positive Effect ◽  
Validity And Reliability ◽  
Positive Effect

The purpose of this study was to determine the effect of Locus of Control and learning motivation on learning outcomes. The research design used a quantitative approach. The study used a population of class X accounting students of SMKN 2 Jiwan with a total of 161 students. The sample used was 115 students. The data collection technique was done by simple random sampling. The data sources used were primary data and secondary data. Data collection was carried out by means of a questionnaire in order to obtain data on the locus of control and learning motivation, meanwhile the learning outcomes were obtained from the average value of daily tests. Test instrument examiners used validity and reliability testing with Cronbach Alpha. The results of this study show 1) there is a significant positive effect of locus of control on learning motivation, 2) there is a significant positive effect of learning motivation on learning outcomes, 3) there is a simultaneous significant effect on learning outcomes. 

scholarly journals EFFECT OF LEADERSHIP STYLE ON PERFORMANCE OF EMPLOYEES PT LINTAS MEDIATAMA BANDUNG

2019 ◽  
Vol 7 (2) ◽  
pp. 202-208
Author(s):  
Yani Restiani Widjaja ◽  
Rani Rahmayani ◽  
Andhita Dian Dini
Keyword(s):  
Data Collection ◽  
Leadership Style ◽  
Employee Performance ◽  
Scientific Journal ◽  
Secondary Data ◽  
Sampling Technique ◽  
Positive Influence ◽  
Primary Data ◽  
Validity And Reliability ◽  
Frequency Calculation

ABSTRACT The purpose of this study was to determine and analyze leadership style, employee performance and the influence of leadership style on the performance of employees of PT Lintas Mediatama Bandung. This study uses a non probability sampling technique with a type of census. The population in this study were thirty employees of PT Lintas Mediatama Bandung. All population members are used as samples. Data collection methods are divided into primary data and secondary data. primary data collection using observation, questionnaires, and interviews. Secondary data collection uses literature studies and scientific journal references. Test of research instruments such as frequency calculation, validity and reliability test the author uses SPSS version 20. The results of the study show that there is a relationship between leadership style and employee performance. The leadership style has a positive influence on employee performance. Key words: leadership style, employees performance

scholarly journals Kajian Pola Hidup Pasien Malaria yang Dirawat di Rumah Sakit Islam Unisma Tahun 2016-2017

2019 ◽  
Vol 5 (1) ◽  
pp. 31-37
Author(s):  
Herlinda Rahayu ◽  
Nour Athiroh AS ◽  
Hari Santoso
Keyword(s):  
Data Collection ◽  
Plasmodium Vivax ◽  
Secondary Data ◽  
Primary Data ◽  
Main Diagnosis ◽  
Validity And Reliability ◽  
Unhealthy Lifestyle ◽  
Male Sex ◽  
Experimental Data Collection ◽  
Descriptive Method

Malaria is a disease caused by Plasodium sp which is transmitted through the bite of a female Anopheles mosquito. The purpose of this study was to determine the percentage of malaria patients and the lifestyle of malaria patients treated at UNISMA RSI in 2016-2017. This research was conducted on June 28 201- 05 05 2018 in 3 Subdistricts of Lowokwaru, Klojen and Kedung Stables. This research method is a descriptive method that is observational (non-experimental). Data collection uses two methods: primary data collection and secondary data. The questionnaire was tested for validity and reliability. The results showed that based on the sex of the most sufferers were male sex (56%), the age of post-malaria patients was more prevalent in the productive age of 15-25 years (62.5%) and at the level of education a lot occurred in Bachelor (S1) ) with a percentage (87.5%) and the main diagnosis of most diagnoses of Plasmodium vivax (83.3%). The pattern of life in 16 malaria patients collected from these 12 questionnaires is an unhealthy lifestyle that affects the occurrence of malaria, which is not cleaning the cattle shed every day, not closing water reservoirs and not cleaning garbage around the house.  Keywords: Malaria, Plasmodium vivax, descriptive. ABSTRAK Malaria merupakan penyakit yang disebakan oleh Plasodium sp yang ditularkan melalui gigitan nyamuk Anopheles betina. Tujuan dari penelitian ini adalah untuk mengetahui persentase pasien malaria dan pola hidup pasien malaria yang dirawat di RSI UNISMA tahun 2016-2017. Penelitian ini dilakukan pada tanggal 28 juni 2018- 05 Agustus 2018 di 3 Kecamatan Lowokwaru, Klojen dan Kedung kandang. Metode penelitian ini adalah metode deskriptif yang bersifat observasional (non-eksperimental). Pengumpulan data menggunakan dua cara yaitu pengumpulan data primer dan data sekunder. Kuesioner diuji validitas dan reliabilitasnya. Hasil penelitian menunjukkan bahwa berdasarkan jenis kelamin penderita terbanyak adalah jenis kelamin laki-laki (56%), Usia pasien pasca malaria lebih banyak terjadi pada usia produktif 15-25 tahun (62,5%) dan pada tingikat pendidikan banyak terjadi pada Sarjana (S1) dengan persentase (87,5%) serta diagnosa utama paling banyak diagnosa Plasmodium vivax (83,3%). Pola hidup pada 16 pasien malaria yang terkumpul dari 12 kusioner tersebut dan pola hidup yang tidak sehat yang mempengaruhi terjadinya penyakit malaria yaitu tidak memebersihkan kandang ternak setiap hari, tidak menutup tempat penampungan air dan tidak membersihkan sampah disekitar rumah. Kata kunci : Malaria, Plasmodium vivax, deskriptif.

scholarly journals PENDEKATAN METODE PENYULUHAN PERTANIAN USAHA TANI CABAI DI DESA TIWOHO KECAMATAN WORI KABUPATEN MINAHASA UTARA

2019 ◽  
Vol 15 (1) ◽  
pp. 199
Author(s):  
Patrix Juriko Tumurang ◽  
Melsje Yellie Memah ◽  
Melissa Lady Gisela Tarore
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Secondary Data ◽  
Sampling Technique ◽  
Agricultural Extension ◽  
Primary Data ◽  
The Internet ◽  
Measurement Tool ◽  
Scientific Journals ◽  
Collection Method

The purpose of this study was to determine the appropriate approach to agricultural extension methods of chili farmers in Tiwoho Village, Wori District. This research was conducted from October to December 2018. The data used in this study are primary data and secondary data. Theprimary data collection method is done by asking respondents to fill out a questionnaire that uses a Likert Scale measurement tool and has been prepared. The sampling technique was done by purposive sampling. The number of respondents is 15 people. Data analysis was carried out descriptively. Secondary data obtained from the Tiwoho Village office and the internet, namely google cendekia to get articles from various scientific journals and theses from other universities related to the topic of this research, especially concerning agricultural extension methods. This study shows that the approach of individual agricultural extension methods is more suitable to have the highest total score as many as 314 and a percentage of 83.7%.*jnkd+eprm*

scholarly journals Media Sosial dan Perilaku Konsumtif

Prologia ◽  
2020 ◽  
Vol 4 (2) ◽  
pp. 435
Author(s):  
Charissa Fransisca ◽  
Rezi Erdiansyah
Keyword(s):  
Social Media ◽  
Data Analysis ◽  
Data Collection ◽  
Secondary Data ◽  
Total Sample ◽  
Primary Data ◽  
Validity And Reliability ◽  
A Value ◽  
Application Data ◽  
Consumptive Behavior

The purpose of this study was to determine whether there is an influence between social media on consumer behavior. The population used in this study is the millennial with the age of 17-25 years with a total sample of 150 respondents and indicators of 30 statements. Test the validity and reliability using SPSS 15 and data analysis using the Lisrel 8.70 application. Data collection techniques using questionnaires as primary data, and journals and books as secondary data. The results show that social media has a significant effect on consumptive behavior with the highest dimension is conversation with a value of 0.94, then followed by an openness dimension with a value of 0.89, then the community dimension with a value of 0.81, the dimension of perception with a value of 0.68 , and dimensions are associated with values of 1.07. So it can be concluded that the intensity of the conversation carried out on social media can affect whether the person behaves consumptively or not. The intensity of the conversation in question is in the form of exchanging information through social media, or asking friends for opinions on social media.Tujuan penelitian ini adalah untuk mengetahui apakah terdapat pengaruh antara media sosial terhadap perilaku konsumtif. Populasi yang digunakan dalam penelitian ini adalah kaum milenial dengan usia 17-25 tahun dengan jumlah sampel sebanyak 150 responden dan indikator sebanyak 30 pernyataan. Uji validitas dan reliabilitas menggunakan SPSS 15 dan analisis data menggunakan aplikasi Lisrel 8.70 . Teknik pengumpulan data menggunakan angket sebagai data primer, serta jurnal dan buku sebagai data sekunder. Hasil menunjukkan bahwa media sosial berpengaruh signifikan terhadap perilaku konsumtif dengan dimensi yang paling tinggi yaitu perbincangan dengan nilai 0,94, lalu diikuti oleh dimensi keterbukaan dengan nilai 0,89, kemudian dimensi komunitas dengan nilai 0,81, dimensi persepsi dengan nilai 0,68, dan dimensi terhubungkan dengan nilai 1,07. Sehingga dapat disimpulkan bahwa intensitas perbincangan yang dilakukan di media sosial dapat mempengaruhi apakah orang tersebut berperilaku konsumtif atau tidak. Intensitas perbincangan yang dimaksud berupa tukar menukar informasi melalui media sosial, atau menanyakn pendapat teman di sosial media.

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