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All Journal Journal of Economics, Business, & Accountancy Ventura Journal of Business & Banking
Lindiawati Lindiawati
STIE Perbanas Surabaya
Economics, Econometrics & Finance

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SME’s financial literacy: An overview based on demographic aspects Iramani Iramani; Tatik Suryani; Lindiawati Lindiawati
Journal of Economics, Business, & Accountancy Ventura Vol 20, No 3 (2017): December 2017 - March 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i3.1098

Abstract

This study attempts to examine the financial literacy level of SME’s owner in East Java based on demographic aspect. The sample was taken from 65 SME’s in East Java which produce prominent local product. The data were collected by using survey method and deep interview. They were analyzed using descriptive explorative and also cross tabulation for examining SME’s financial literacy based on demographic attribute. Research found that that the financial literacy score of SME’s owner in East Java is good enough, where they have average score 55.8 with the same score of median and mode 66.7. Majority weakness of SME’s owner is the literacy on SME understanding of net asset and insurance premium. Otherwise, whole SME’s owner is fully understood that financial knowledge is so useful for the SME. Other finding shows that there is a relationship between financial literacy’s level and SME’s owner on demographic aspect such as gender, education, the business time established. It can be concluded that demographic aspects determine the financial literacy level of SME’s owner
Normative community pressure in brand community: a study of young entrepreneurs community of mandiri bank Lindiawati Lindiawati; Indrianawati Usman; Sri Wahyuni Astuti
Journal of Economics, Business, & Accountancy Ventura Vol 22, No 1 (2019): April - July 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v22i1.1700

Abstract

Brand community has been extensively built and developed by either the companies or the customers voluntarily. These two gorups with different perspective hold different purposes. For the companies, brand community is considered an effective marketing strategy which is expected to achieve customer brand engagement. Anyhow, often companies focus more on the purposes of the brand community, but do not be quite aware of the policies, rules, or traditions firstly created as norms in order to lead the way the community members perceive and act. Often norms become pressures for the brand community members causing them reluctant to engage with he community. Referring to the theory of relationship marketing, this study develops a model of normative community pressure that is affected by both brand community identification and inter-member relationship quality, that are previously affected by brand relationship quality. The empirical analysis derives primary data of young entrepreneurship community created by one of the big five banks in Indonesia quantitatively analyzed using Structural Equation Modeling (Warp-PLS). The result helps explain the antecedents causing normative community pressure of the brand community. The implication of this study is that communitfy setter should regularly identify and analyze rules or practices within the community that might be potential barrier for the members in building engagement with the community.
Pengaruh kegunaan, kesesuaian, keuntungan relatif, motivasi hedonic, dan risiko yang dirasakan terhadap penggunaan mobile banking Bank Mandiri Surabaya dimediasi niat perilaku nasabah Muhammad Zainal Musthofa; Lindiawati Lindiawati
Journal of Business & Banking Vol 8, No 1 (2018): Mei - Oktober 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i1.1515

Abstract

Mobile banking has been popular as banking service in a couple of years. Many banks in Indonesia have their service, which gets attention from the customers and this make customers use mobile banking service. The study aims to examine the infl uence of perceived usefulness, compatibility, relative advantage, hedonic motivation, and perceived risk on the usage of mobile-banking of Bank Mandiri Surabaya by customer’s behaviour intentions. The data were collected by using questionnaires to 125 responden that use Mandiri mobile-banking. The sample was taken by using a judgement sampling. The hypotheses were analyzed using a partial least square. This research represents to perceived usefulness, compatibility, relative advantage, hedonic motivation and perceived risk. The results shows that perceived usefulness and relative advantage have positive and significant effect, a while compatibility and hedonic motivation have a positive effect but not signifi cant and last perceived risk has a signifi cant and negatif effect on behaviour intentions.
Pengaruh Corporate Social Responsibility (CSR) pada citra merek di PT. PLN(Persero) Rosa Harimurti; Lindiawati Lindiawati
Journal of Business & Banking Vol 7, No 2 (2017): November 2017 - April 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i2.1000

Abstract

Corporate Social Responsibility (CSR) is one of strategicmarketing concept son social causes. The purpose of this study is to explain the influence of CSR’s dimension on di-mension of brand image in PLN Company in Indonesia. This study focuses on legal and ethical responsibilities that can enhance the positive functional and symbolic image. Sample of this study are 110 consumers that was chosen used on random sampling tech-niques in Mojokerto and data collected by questionnaires. The anlysis tool used is Partial Least Squares (PLS). The empirical results indicate that corporate legal responsibility has significantly effect on functionalimage but legal responsibility does not significantly effect on symbolicimage. Next, ethical responsibility has significant effect on both func-tionalimage and symbolicimage. Legal responsibility helps enhancing the functional image than symbolic image, meanwhile the ethical responsibility helps enhancing the symbolic image than functional image. The suggestion is that if firms should focus on one aspect of theCSR’s dimension to enhance the brand image.
Co-Authors Indrianawati Usman Iramani Iramani Muhammad Zainal Musthofa Rosa Harimurti Sri Wahyuni Astuti Tatik Suryani