Tommy Christian Efrata

Dr. Tommy C. Efrata, S.E., M.Sc., CFP., QWP., CBAP.

Joined:

2009

Major:

Management

Academic rank:

Associate Professor

Dr. Tommy C. Efrata, S.E., M.Sc., CFP., QWP. is a Assistant Professor in Universitas Ciputra. He joined Universitas Ciputra since 2009 and currently part of Management.

Author Pages

ORCiD	https://orcid.org/0000-0002-9406-0981
Google Scholar	https://scholar.google.co.id/citations?user=g-7aN6gAAAAJ
Scopus	https://www.scopus.com/authid/detail.uri?authorId=57222031959
SINTA	https://sinta.kemdikbud.go.id/authors/profile/6000405

International Journal indexed by Scopus/WoS

• Financial knowledge and financial behaviour among micro businesses: the mediating role of pro-growth mental accounting. Int. J. Economics and Business Research (2024)
• The Mediating Role of Value Congruence in Service Trust and Fintech Usage Among Millenials. Journal of System and Management Sciences (2024)
• The role of mental accounting and financial attitudes in shaping financial behavior among entrepreneurial students using fintech. Decision Science Letter (2024)
• Designing a Healing Model Based on Paintings, Descriptions, and Background Music with a Music Therapy Approach. International Journal of Body, Mind and Culture (2023)
• INFLUENCE OF PRODUCTS, PRICE ON PURCHASE DECISION AND IMPACT ON CUSTOMER LOYALTY IN RINJAYA SHOPS SIDOARJO-INDONESIA. YMER (2023)
• Does Mental Accounting Play an Important Role in Young Entrepreneurs? Studies on Entrepreneurship Education. Journal of Educational and Social Research (2022)
• The Influence of role models on entrepreneurial intentio: Does Individual Innovativeness Matters ?. The Journal of Asian Finance, Economics and Business (2021)
• Entrepreneurship Education and Entrepreneurial Role Models: How do they affect Entrepreneurial Intentions? (Studies at Management and Business Students in Indonesia Universities). Australian Journal of Basic and Applied Sciences (2016)

International Journal

• A DETERMINANTS OF FINANCIAL BEHAVIOR ON ACCOUNTING STUDENT. INTERNATIONAL JOURNAL OF EDUCATION, PSYCHOLOGY AND COUNSELLING (2020)
• Impact of Family’s Socio-Economic Context on Financial Literacy of Young Entrepreneurs. Expert Journal of Business and Management (2019)
• Innovation and Leadership in Religious Institution. International Journal of Academic Research in Business and Social Sciences (2018)

National Journal indexed by Sinta

• Banking Services and Financial Performance of MSMEs in Indonesia’s Fashion Industry: A Resource-Based View Analysis. Jurnal Ilmiah Manajemen Kesatuan (2026)
• Entrepreneurship and ESG Convergence: Improving Business Performance in Emerging Markets. MIX: Jurnal Ilmiah Manajemen (2026)
• The Effect of Interactivity and Visual Appeal on Impulse Buying of Fashion Products in TikTok Live Streaming: The Mediating Role of Perceived Usefulness and Perceived Enjoyment. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis (2026)
• The Mediating Role of Work Motivation in the Effects of Transformational Leadership, Reward System, and Work-Life Balance on Generation Z Employee Performance in Surabaya, Indonesia. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis (2026)
• Too Much to Digest: How Transparency and Social Buzz Fuel Gluten-Free Confusion. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis (2026)
• Examining The Effects of E-Servqual and Perceived Value on Customer Satisfaction: The Moderating Roles of Trust and Perceived Usefulness in The Halodoc Application. International Journal of Review Management Business and Entrepreneurship (2026)
• Influence Mediation Quality Logistics Services, Service Costs, Customer Satisfaction, and Dependencies to Loyalty Customers in The Container Shipping Industry. International Journal of Review Management Business and Entrepreneurship (2026)
• The Effect of Entrepreneurial Marketing on SME Business Performance: Moderated by Soft Lean Practices. Jurnal Ilmiah Manajemen Kesatuan (2025)
• The Influence of Brand Trust, Brand Reputation, and Brand Relationship Quality on Distributor Loyalty with Distributor Satisfaction of Panen Mas as a Mediating Variable. Dinasti International Journal of Education Management and Social Science (2025)
• Analisa kepuasan dan keputusan penggunaan kembali teknologi mobile banking dengan pendekatan TAM. MBR (Management and Business Review (2025)
• ANALISIS STRATEGI PEMASARAN PADA BISNIS SATUAN RUMAH SUSUN UNTUK MENINGKATKAN VOLUME PENJUALAN (STUDI PADA PT SARANANEKA INDAHPANCAR (SUB HOLDING 3 CIPUTRA GROUP). Journal of Economic, Bussines and Accounting (2025)
• Efektivitas User-Generated Content, Inovasi Produk, dan Word of Mouth melalui Minat Pembelian untuk Meningkatkan Keputusan Pembelian di Kafe 2Hos. Permana : Jurnal Perpajakan, Manajemen, Dan Akuntansi (2025)
• The Influence of Dynamic Capabilities on Business Performance Through Business Model Innovation Among MSMEs in Surabaya. Jurnal Entrepreneur dan Entrepreneurship (JEE) (2025)
• The Influence of Security and Quality Mobile Banking Services on Customer Satisfaction and the Impact on Loyalty Private Bank Customers. Review of Management and Entrepreneurship (2025)
• MENINGKATKAN SUSTAINABLE DEVELOPMENT GOALS (SDGS) MELALUI LOMBA SHOWCASE. OJS (2025)
• PENGARUH KREATIVITAS IKLAN, MOTIVASI PEMROSESAN, DAN INTERAKSI DI SOSIAL MEDIA TERHADAP NIAT PEMBELIAN PT GOJEK TOKOPEDIA TBK. PERFORMA (2025)
• Assistance In the Preparation of SWOT Analysis On MSMEs Sambikrep District Surabaya City. Jurnal Pengabdian Kepada Masyarakat Dinamisia (2024)
• Pelatihan Pembelajaran Entrepreneur Baru Pembuatan Buket Bunga bagi Ibu-Ibu PKK di RT 03 RW 03 Kel. Rampal Celaket Kec. Klojen, Kota Malang, Jawa Timur. leecom (2024)
• PELATIHAN PEMBUATAN DAN CARA MEMASARKAN MASAKAN AYAM HAINAN DAN AYAM GORENG KANTON BAGI IBU PKK LAKARSANTRI KELURAHAN JERUK SURABAYA. Leecom (2024)
• Pendampingan UMKM Untuk Meningkatkan Omset Bisnis di Kecamatan Sambikerep, Kota Surabaya. Jurnal Madaniya (2024)
• Pengaruh Personal Innovativeness, Perceived Benefits, dan Social Influence Terhadap Purchase Intention Electric Vehicle. Performa (2024)
• ENTREPRENEURIAL LEADERSHIP AND MARKET TURBULENCE IN THE PERSPECTIVE OF THE EFFECT OF ABSORPTIVE CAPACITY ON INNOVATION AMBIDEXTERITY. Business Management Journal (2023)
• PERSONAL INNOVATIVENESS, PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, AND TRUST AS DETERMINANTS OF MOBILE PAYMENT UTILIZATION. Review of Management and Entrepreneurship (2023)
• THE IMPACT OF INNOVATION ENGAGEMENT, FUNCTIONAL ENGAGEMENT, EMOTIONAL ENGAGEMENT, AND COMMUNAL ENGAGEMENT ON USER LOYALTY IN SOCIAL MEDIA BANKING INDUSTRY. Ekspektra: Jurnal Bisnis dan Manajemen (2023)
• PENGARUH E-WOM, CONTENT MARKETING, DAN CONSUMER INNOVATIVENESS TERHADAP MINAT BELI PRODUK SKINCARE DI INDONESIA. Jurnal Performa: Jurnal Manajemen Dan Start-up Bisnis (2023)
• DESIGN THINKING PROCESS IN SME, IS IT STILL POWERFUL IN DEALING WITH THE COVID 19 MARKET TURBULENCE?. Jurnal Aplikasi Manajemen (2022)
• THE NATIONAL STRATEGIC PLANNING FOR PRODUCING AN ALTERNATIVE ENERGY. INTERNATIONAL JOURNAL OF ECONOMICS, BUSINESS AND ACCOUNTING RESEARCH (IJEBAR) (2022)
• THE ROLES OF FINANCIAL SELF EFFICACY AND MENTAL ACCOUNTING IN INCREASING FINANCIAL MOTIVATION AND BEHAVIOR. IJEBAR (2022)
• THE DYNAMICS OF INDIVIDUAL ENTREPRENEURIAL ORIENTATION IN THE RELATIONSHIP BETWEEN ENTREPRENEURSHIP EDUCATION AND ENTREPRENEURIAL INTENTION. JURNAL APLIKASI MANAJEMEN (2021)
• FINANCIAL LITERACY LEVEL OF YOUNG ENTREPRENEURS IN THE PRIVATE UNIVERSITY. Jurnal Aplikasi Manajemen (2020)
• INNOVATION PROCESSES IN NEW PRODUCT DEVELOPMENT: MODELS FOR CREATIVE INDUSTRY IN INDONESIA. Jurnal Aplikasi Manajemen (2020)
• Identification of Innovation Process on New Product Development in Small and Medium Enterprises. Jurnal JAM (2019)
• PENGARUH INDIVIDUAL INNOVATION CAPABILITY, MOTIVASI INTRINSIK, DAN SELF - EFFICACY TERHADAP KINERJA INDIVIDU DALAM ORGANISASI MAHASISWA DI UNIVERSITAS CIPUTRA. Media Mahardika (2019)
• Peran Individual Innovation Capability, Motivasi Intrinsik, dan Self-Efficacy Terhadap Kinerja Individu dalam Organisasi Mahasiswa. Media Mahardhika (2019)
• BUSINESS AND ACCOUNTING ASPECTS MENTORING INSIGHT BETWEEN STUDENTS AND MENTORS IN ENTREPRENEURSHIP CONTEXT. Jurnal Aplikasi Manajemen (2018)
• ROLE MODEL AND ENTREPRENEURIAL PERFORMANCE: THE ROLE OF ENTREPRENEURIAL IDENTITY AND SELF-EFFICACY AS INTERVENING VARIABLE. Journal of Applied Management (JAM) Volume 16 Number 1, March 2018 (2018)

National Journal

• ANALYSIS OF THE MARKETING MIX STRATEGY ON PURCHASE INTENTIONS AT MINIMARKET ALFA M LEBO SIDOARJO. Jurnal Multidisiplin Sahombu (2023)
• The Effect of Locus of Control and the Need for Achievement towards Entrepreneurial Performance. Review of Management and Entrepreneurship (2017)
• Minat Berwirausaha pada Mahasiswa yang Tidak Melanjutkan Rintisan Usaha: Sikap Kewirausahaan, Perspektif Lingkungan untuk Berwirausaha, dan Persepsi Kemampuan Berwirausaha. Jurnal Entrepreneur dan Entrepreneurship, Volume 4, Nomor 1 dan 2, September 2015 (2015)

International Proceeding

• The Role of Financial Literacy, Gender, Education, and Ethnicity towards Investment Decisions (2019)
• PATTERN OF INNOVATION PROCESSES IN NEW PRODUCT DEVELOPMENT: CASE STUDIES ON SME IN INDONESIA. Proceeding: International Conference on Humanities, Economy and Technology (ICHET, 2018) (2018)
• Innovation and Competitiveness: A Case Study in the Accounting Department of an Entrepreneurial-Based University. Proceedings of The 7th Annual International Conference (AIC) Syiah Kuala University and The 6th International Conference on Multidisciplinary Research (ICMR) on Social Sciences 2017, October 18-20, 2017, Banda Aceh, Indonesia (2017)
• Students' Perspective in Choosing Innovation Strategies in Attempt for Surviving Valley of DEath Phase: Case Study in Universitas Ciputra. ICOEN 2015 (2015)
• Entrepreneurship Education implementation for entrepreneurial project 2: case studi in universitas ciputra. The First Internasional conference on Entrepreneurship (ICOEN) (2014)
• Entrepreneurship Education Implementation for Entrepreneurial Project 2: Case Study on Universitas Ciputra. Proceeding The First International Conference on Entrepreneurship 2014 (ICOEN 2014), Universitas Ciputra, Surabaya (2014)

National Proceeding

• PROSES PEMBENTUKAN IDENTITAS KEWIRAUSAHAAN DAN EFIKASI DIRI MELALUI ROLE MODEL: PERAN POLA DIDIKAN DALAM KELUARGA. Prosiding Conference on Management and Behavioral Studies 2017 (2017)
• Peran Role Model dan Identitas Entrepreneurial untuk Meningkatkan Kinerja dalam Berwirausaha. Proceeding Forum Manajemen Indonesia Ke-8 2016 (2016)

Book

• Anthology Entrepreneurship (2021)
• Generasi Entrepreneur Anda bisa menciptakan entrepreneur (2018)

Copyright

• Buku Panduan Mengenal Investasi Saham (2020)

Formal Educations

Year	Level	School/Institution/University
1998	S1	Universitas Airlangga
2005 - 2007	S2	Utrecht University
2013 - 2016	S3	Universitas Brawijaya