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All Journal Jurnal Manajemen dan Perbankan (JUMPA) Journal of Governance Risk Management Compliance and Sustainability
Swesti Mahardini
Sekolah Tinggi Ilmu Ekonomi YAI
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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An Analysis of The Effect of Online Banking on Bank Performance in Indonesia Swesti Mahardini; Santi Kurnia; Yusuf Maura; Pandu Haryanto; Yohn Piter Barus
Journal of Governance Risk Management Compliance and Sustainability Vol. 2 No. 1 (2022): April
Publisher : Center for Risk Management & Sustainability and RSF Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.881 KB) | DOI: 10.31098/jgrcs.v2i1.904

Abstract

Technology has become a necessity, including in financial institutions which are the backbone of economy, it can help to improve service delivery, simplify investigations, improve banking performance, and save transaction time.  It is expected that the bank can expand its services not only limited to receiving and sending cash. As a result, it is very important to assess the performance of banks as they are in a critical position of the globalization period. The study aims to analyze the effects of internet banking, mobile banking, and automated teller machines on bank performance as measured by asset returns, from commercially listed banks in Indonesia. The study uses quantitative methods and panel data analysis. The study used secondary data in the form of company annual reports. The samples used purposive sampling methods from the banking industry that met the criteria and were listed on the Indonesia Stock Exchange. Data analysis uses multiple regression methods. The tool used is Eviews 10 statistics program. The results showed internet banking had a significant negative effect, mobile banking and ATM have a significant positive effect on bank performance. Overall internet banking, mobile banking, and ATM simultaneously have a significant effect on banking performance. The study limits 36 samples of commercial banks registered in 2016-2020 and there are 3 independent variables and 1 dependent variable in analyzing bank performance. The study explains that not all banks implement a comprehensive internet banking in alternate of mobile banking.
Kualitas Produk, Harga, dan Kualitas Layanan Terhadap Keputusan Pembelian Tokopedia di Wilayah DKI Jakarta Swesti Mahardini; Ibrahim Ida Musdafia; Riwendi Apricuansyah
Jurnal Manajemen dan Perbankan (JUMPA) Vol. 10 No. 2 (2023): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/jumpa.v10i2.538

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kualitas produk, harga dan kualitas layanan baik secara parisal maupun simultan terhadap keputusan pembelian. Tanggapan konsumen atas keputusan pembelian ini dapat dimanfaatkan sebagai bahan pengambilan keputusan strategi pemasaran yang tepat bagi Tokopedia. Pendekatan dalam menganalisis permasalahan adalah dengan menggunakan pendekatan korelasional antar varibel dependen dengan independennya. Variabel independent dalam penelitian ini adalah Kualitas Produk, harga, dan kualitas layanan, sedangkan variabel dependen adalah keputusan pembelian. Penelitian ini menggunakan metode random sampling dengan jumlah sampel 100 responden khususnya di wilayah DKI Jakarta. Metode analisis data menggunakan software SEM-PLS versi 3.0. Hasil penelitian ini membuktikan bahwa kualitas produk berpengaruh signifikan terhadap keputusan pembelian, sedangkan harga tidak berpengaruh signifikan terhadap keputusan pembelian, dan kualitas layanan berpengaruh signifikan terhadap keputusan pembelian. Berdasarkan hasil statistik tersebut dan tanggapan responden yang merasa sangat puas atas kualitas produk dan kualitas layanan Tokopedia, namun merasa kurang puas dengan harga yang dirasakan mahal dibandingkan marketplace lainnya, perlu evaluasi strategi harga yang ditetapkan untuk meningkatkan terjadinya keputusan pembelian konsumen pada pada Tokopedia.
Co-Authors Ibrahim Ida Musdafia Pandu Haryanto Riwendi Apricuansyah Santi Kurnia Yohn Piter Barus Yusuf Maura