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Journal : eBA Journal: Journal Economic, Bussines and Accounting

PENGARUH KUALITAS PELAYANAN DAN NILAI PELANGGAN TERHADAP KEPUASAN ANGGOTA (Studi pada Koperasi Simpan Pinjam Langgeng Makmur Surabaya) Muhajir, Ali
eBA Journal: Journal Economics, Bussines and Accounting Vol 1 No 2 (2015): eBA JOURNAL
Publisher : Fakultas Ekonomi Universitas Darul 'Ulum Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32492/eba.v1i2.313

Abstract

           This research take a title the Influences of service quality and Consumer Value Toward Member Satisfaction of Langgeng Makmur Cooperation which moved in lend and borrow financial service. This research purpose to recognize how variable role of service quality and consumer value  in order to increase member satisfaction of Langgeng Makmur Cooperation Surabaya. From both independent variables that are service quality and consumer value which one is dominantly role increasing satisfaction of cooperation member.            Data collected through questionnaire method toward 74 respondents or service user of Langgeng Makmur cooperation Surabaya that gained by using Simple Random Sampling technique. Analysis that used is multiple linear regression analysis with computer software aided SPPS 20.00.            From the analysis yield can be concluded that service quality variable and consumer value simultaneously have influence toward satisfaction level of member Langgeng Makmur cooperation Surabaya. It is compatible with hypothesis posed, get proved with calculation result by using multiple linear regression method where gained value R2  as high 0,715 or 71,50% member satisfaction influenced by service quality and consumer value variables while the rest is 28,5% influenced with other factor that uncalculated in this research. Then from both independent variables researched that are service quality and consumer value, based on variable t-test or partial test can be concluded that most dominant which influence member satisfaction level in Langgeng Makmur cooperation Surabaya  is service quality variabel, where it can be proved with regression value between service quality variable and member satisfaction as many 0,642 or 64,20% member satisfaction influenced by service quality in assumption value consumer is nil and correlation value as 0,801 or 80,10% with significant level 0,000 or far under alpha value as 0,05 or 5%.
ANALISIS PERBANDINGAN KINERJA KEUANGAN DENGAN METODE CAR ANTARA PT. BRI (Persero) Tbk DAN PT. BNI (Persero) Tbk YANG TERDAFTAR DI BEI Karimah, Anifatul; Dwiningwarni, SS; Masyhadi, H; Muhajir, Ali
eBA Journal: Journal Economics, Bussines and Accounting Vol 4 No 2 (2018): eBA JOURNAL
Publisher : Fakultas Ekonomi Universitas Darul 'Ulum Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32492/eba.v4i2.616

Abstract

Banks are financial institutions that play an important role in the economy of a country. Therefore, the existence of a healthy bank is very necessary. This study aims to compare the financial performance of Indonesian people's banks (BRI) and Indonesian state banks (BNI) based on financial ratio analysis listed on the Indonesia Stock Exchange for the period 2012-2016. The study uses the CAR (Capital Adequacy Ratio) method in which the ratio shows how far all bank assets that contain risks (credit, participation, securities, bills at other banks) are also financed from the bank's own capital funds in addition to obtaining funds from sources sources outside the bank, such as community funds, loans (debts), etc. ... The results of this study indicate that the CAR ratio in BRI is better than that of BNI banks. This proves that the CAR ratio and financial performance at BRI banks are better than BNI banks. Because it can manage capital as well as possible and accommodate the risk of loss. The results also show that BRI is better known to the lower middle class.