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All Journal Jurnal Manajemen dan Kewirausahaan (JMDK) JBMP (Jurnal Bisnis, Manajemen dan Perbankan)
Sihotang, Ellen Theresia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Segmentasi Layanan Internet Banking Sihotang, Ellen Theresia
Jurnal Manajemen dan Kewirausahaan Vol 4, No 2 (2016): December 2016
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v4i2.644

Abstract

The purpose of this study is to analyze internet banking’s users based on their experiences. It can be used to set marketing program of internet banking that appropriate with customers needs, in order to anticipate tight competition. This research methods starts with focus group discussion and clustering analysis to classify 312 respondents of internet banking users based on demographic, benefit and behavioral segmentation. The sampling method uses purposive sampling and snowball sampling. K-Means Clustering method’s produces four optimal clusters. The benefit orientation of the first cluster in on time saving. Second cluster, concern on the ease of getting and operating internet banking so this cluster does not need auxiliary features such as video guide to use internet banking. The third cluster’s orientation is on the modern lifestyle and the ease of getting and operating internet banking service with detailed daily mutation transaction The fourth cluster, concerns on the detailed daily mutation transaction but they are not sure with the security of personal data via internet banking.https://doi.org/10.26905/jmdk.v4i2.644
Motivasi Penggunaan Layanan Internet Banking dan Hubungannya dengan Perbedaan Gender Sihotang, Ellen Theresia; Sekarsari, Larasati Ayu
Jurnal Manajemen dan Kewirausahaan Vol 6, No 2 (2018): December 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v6i2.2331

Abstract

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
Bank Profitability in Indonesia During COVID-19 Outbreak Khalifaturofi'ah, Sholikha Oktavi; Listyarti, Indra; Poerwanti, Ririn; Sihotang, Ellen Theresia
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol 10 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v10i1.1779

Abstract

This study examines the factors of conventional bank profitability during the COVID-19 outbreak in Indonesia, using data from 52 conventional banks from 2020 Q1 to 2021 Q4. Using a fixed-effects model, bank-specific and macroeconomic factors are examined. The findings show that liquidity and bank size have a beneficial impact on profitability, whereas efficiency has a considerable negative effect. Additionally, non-performing loans have a favorable link with profitability. Notably, macroeconomic indices such as interest rates have a substantial impact on bank profitability, while capital, exchange rates, inflation, and economic growth do not. The study emphasizes the necessity of improved liquidity management, efficient operations, and strategic interest rate management in maintaining bank profitability and resilience in the face of disruptive occurrences
Co-Authors Khalifaturofi'ah, Sholikha Oktavi Poerwanti, Ririn Sekarsari, Larasati Ayu