Tony Irawan
Department of Economics, Faculty of Economics and Management, IPB University

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Pengaruh Diversifikasi Pendapatan Terhadap Profitabilitas dan Stabilitas Perbankan di Indonesia: The Impact of Income Diversification on Banking Profitability and Stability in Indonesia Tiara Kusumadewi; Wita Juwita Ermawati; Tony Irawan
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 10 No. 1 (2024): JABM, Vol. 10 No. 1, Januari 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.1.239

Abstract

The global economic crisis that occurred during the COVID-19 pandemic causing credit contraction that negatively affected the banking industry. Previous studies have shown that diversifying the bank's income to non-interest sources able to rescue banks to overcome financial hardship in the crisis but very few studies have been conducted to measure the impact of crisis during COVID-19 pandemic on bank’s profitability and stability. This paper aims to investigates the dynamics and the impact of income diversification on banking profitability and stability in Indonesia uses statistic descriptive and panel data regression of 72 conventional banks grouped into business groups based on core capital during 2017-2021 period, along with bank-specific (cost to income, loan to deposit ratio, capital adequacy ratio, size) and macroeconomic (crisis dummy during COVID-19 pandemic) used as control variables. Based on statistic descriptive, BUKU 1 group's income diversification increased during the crisis but shown a low profitability and stability. BUKU 2 and BUKU 3 group’s stability increased during the crisis but income diversification and profitability decreased. BUKU 4 group has the finest income diversification approach for achieving great profitability and stability. Results of panel data regression show that income diversification have a positive impact on bank’s profitability and stability. Keywords: conventional bank, crisis during covid-19 pandemic, bank’s income diversification, bank’s profitability, bank’s stability
Bauran Pemasaran dan Kualitas Layanan Kunjungan Terhadap Keputusan Pembelian di Perumahan Greenland: The Mark Eting Mix and The Quality of Visiting Services on Purchasing Decisions at Greenland Residences Khoirul Marzuki; Tony Irawan; Hartoyo
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 10 No. 2 (2024): JABM, Vol. 10 No. 2, Mei 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.2.690

Abstract

Background: One of the most important needs of today's population is housing. The increase in population has led to an increase in the supply of property, but the demand for property in Bogor Regency has actually decreased. This affects housing sales at Greenland Forest Hill and Greenland Kemang. The variables that influence purchasing decisions are marketing mix and service quality. Purpose: The research objectives are to identify consumer characteristics, analyze the effect of marketing mix and visit service quality, and formulate managerial implications for the company. Design/methodology/approach: The method of data processing and analysis in this study uses descriptive analysis and Structural Equatin Modeling - Partial Least Square (SEM-PLS) analysis by utilizing SmartPLS tools. Findings/Result: The results of the study were 200 respondents in this study with a percentage of Greenland Kemang of 51% and Greenland Forest Hill of 49%.Conclusion: The conclusion of this study is that consumer decisions in Greenland housing are positively and significantly influenced by the variables of purchase intention and behavioral control. This shows that family plays a very big role in deciding to buy a house in Greenland Forest Hill and Kemang. In addition, location indicators and special services for consumers have a more significant influence on purchasing decisions than other variables.Originality/value (State of the art): This research enhances the literature on factors that influence home purchases. This research also shows that marketing mix and service quality can influence purchasing decisions through the theory of planned behavior model. Keywords: property, marketing mix, purchase decision, service quality, SEM-PLS