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INDONESIA
Journal of Business & Banking
ISSN : 20887841     EISSN : 23033460     DOI : http://dx.doi.org/10.14414/jbb
Core Subject : Economy,
Arjuna Subject : -
Articles 242 Documents
PERAN KUALITAS JASA PADA KEPUASAN SERTA DAMPAKNYA TERHADAP LOYALITAS DAN NIAT BERALIH NASABAH PT PEGADAIAN DI SURABAYA Addis Al Hazmi; Emma Yulianti
Journal of Business & Banking Vol 3, No 2 (2013): November 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i2.234

Abstract

This research examines the effect of service quality on satisfaction and its impact on customer loyalty and intention to switch of the customers of PT. Pegadaian in Surabaya. There were four important variables: service quality, customer satisfaction, customer loyalty and intention to switch were discussed for better understanding of consumer behavior. The research employs a structural equation modeling method based on the data collected from105 customers of PT Pegadaian in Surabaya. This research uses purposive sampling technique to determine the sample size. The result shows that Service Quality has significant and positive influence towards customer Satisfaction. In addition, Customer Satisfaction has influence towards Customer Loyalty and Customer Intention to Switch.
Pengaruh citra merek, iklan, kualitas yang dirasa terhadap keputusan pembelian sim card Telkomsel di Surabaya Indra Nandaputra Lasaib; Emma Yulianti
Journal of Business & Banking Vol 9, No 1 (2019): Mei - Oktober 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i1.906

Abstract

The purpose of this study to determine whether the image of the brand, advertising, and perceived quality has a significant influence either simultaneously or partially on purchasing decisions Telkomsel SIM card in Surabaya. This study uses the entire population of Surabaya people who use Telkomsel as their mobile telephone operator. In this study, judgement sampling technique to adapted the characteristics specified by the researcher. The sample in this study using 80 respondents people of Surabaya who use Telkomsel as their mobile telephone operator. The data used are primary data and their were collected through a survey using a questionnaire. Data were analyzed using descriptive analysis, classic assumption test and multiple linear regression analysis using SPSS 20. Based on the calculations and the results are known hypothesis that the image of the brand, advertising, and perceived quality has a significant influence either simultaneously or partially on purchasing decisions Telkomsel SIM card in Surabaya. 
ANALISIS RASIO-RASIO KEUANGAN UNTUK MEMPREDIKSI FINANCIAL DISTRESS BANK DEVISA PERIODE 2006 2011 Agus Baskoro Adi
Journal of Business & Banking Vol 4, No 1 (2014): Mei 2014
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v4i1.297

Abstract

There are some studies describing prediction models of banks bankruptcy, but only few have sought to predict banks financial distress which happens before bankruptcy. This study examines the factors affecting financial distress condition of foreign banks in the periods of 2006 2011. The tested factors are the changes of median value of Equity, the changes ofmedian value of Net Interest Margin and the changes of median value of Return on Equity. Variables used in this study consist of CAR, NPL, ROA, NIM, ROE, LDR, and IRR. The sample consists of 166 banks categorized as foreign banks in Indonesia in the periods of 2006 2011, collected by purposive sampling. The logistic regression was used for analyzing the data and backward stepwise technique is used to gain a model that has the highest classification power, by removing the most insignificant variable in a model. The results show that Return on Asset (ROA), Return on Equity (ROE) and Net Interest Margin are significant variable. The insignificant variables are CAR, NPL, LDR and IRR. This research also indicatesthat not all the variables tested can predict the financial distress of foreign bank.
Analisis determinan profitabilitas perusahaan manufaktur pada 2014-2019 Audi Gracia Wasisto; Nora Amelda Rizal
Journal of Business & Banking Vol 10, No 2 (2020): November 2020 - April 2021
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v10i2.2486

Abstract

Profitability is very important for a company to carry out their operational activities because in general they cannot not survive without the ability to generate profits. This study aims to determine the effect of working capital, firm size, company efficiency, liquidity, and leverage on profitability in manufacturing companies listed in the Indonesia Stock Exchange 2014-2019. This research used purposive sampling with 108 sample data. The data were analyzed using panel data regression using eviews 11 software. It showes that working capital, firm size, company efficiency, liquidity, and leverage simultaneously have a significant effect on profitability. Partially, working capital has a significant positive effect on profitability. Firm size has no significant positive effect on profitability (ROE), but it has a significant positive effect on profitability (EPS). Company efficiency has a significant positive effect on profitability. Liquidity has no significant positive effect on profitability (ROE) and has no negative effect on profitability (EPS). Leverage DER and LDAR have no significant negative effect on profitability. Therefore, this research can be a reference for future research to analyze the determininant of profitability.
EFFECT OF THE BANK OF RISK CAPITAL ADEQUACY RATIO (CAR) ON FOREIGN EXCHANGE NATIONAL PRIVATE BANKS Debby Cynthia Ananda Sari; Herizon Herizon
Journal of Business & Banking Vol 6, No 1 (2016): Mei - Oktober 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v6i1.889

Abstract

The purpose of the research is to determine LDR, IPR, NPL, APB, IRR, PDN, BOPO and FBIR simultaneously and partially have significant influence toward Capital Adequacy Ratio (CAR). Population were the On Foreign Exchange National Private Banks. Sampling technique is purposive sampling so that the selected Bank were PT. Bank ICBC Indonesia, Tbk, PT. Bank Permata, Tbk ,PT. Bank UOB Indonesia, Tbk , PT. Bank. Data collected by the methods of documentation and analysis were performed by linear multiple regression analysis technique.Results shows that LDR, IPR, NPL, APB, IRR, PDN BOPO, and FBIR simultaneously have significant effect toward CAR ratio On Foreign Exchange National Private Banks. Partially LDR ratio significantly has a positive effect on CAR ratio On Foreign Exchange National Private Banks and Partially BOPO ratio significantly has a negative effect on CAR ratio On Foreign Exchange National Private Banks. Meanwhile IPR , NPL, and PDN has a positive effect but insignificant toward CAR  ratio On Foreign Exchange National Private Banks. On the other side, APB, IRR and FBIR have negative effect but insignificant toward CAR ratio On Foreign Exchange National Private Banks. 
Literasi keuangan dan pengelolaan keuangan keluarga dalam perspektif budaya Jawa dan Bugis Reni Tri Purniawati; Lutfi Lutfi
Journal of Business & Banking Vol 7, No 1 (2017): Mei - Oktober 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i1.963

Abstract

Consumptive behavior can negatively affect family welfare. Financial literacy is one of the factors which may affect family financial management behavior. This family financial may differ across ethnic groups due to the different characters and principles of life among them. This study aimed to examine the effect of financial literacy on family financial management using ethnic as a moderating variable. This study uses a questionnaire instrument that is distributed to 140 respondents of Javanese in Madiun residency and 96 respondents of Bugis at Makassar, East Sulawesi. The data analysis technique is multiple regression analysis. This research use purposive sampling and convenience sampling as the sampling technique. The result of this study shows that financial literacy positively affect family financial management behavior, while ethnic does not moderate the effect of financial literacy on family financial management behavior. This study suggests that families, both Javanese and Bugis, need to enhance their financial literacy to enable them to manage their finance well so that they can improve their welfare.
KERAMAHAN, KREDIBILITAS, CITRA KARYAWAN, KEPUASAN NASABAH DAN KEDEKATAN KARYAWAN DENGAN NASABAH, PENGARUHNYA TERHADAP LOYALITAS NASABAH PADA BANK BUMN DI SURABAYA Dwi Setya Raharjo
Journal of Business & Banking Vol 2, No 2 (2012): November 2012
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v2i2.171

Abstract

It has been noted that any bank is always related to manage its customers with care. By doing so, the bank can get along with the high competition anywhere. Therefore, to be able to win in this competition, the bank requires existing. To do so, the bank must have a competitive advantage and be market oriented. It is not just for private banks, state-owned banks have to be so. Customers intimacy is a way of engaging with customers. Customers intimacy also encourages banks to create products on the market oriented. These studies tested the influence of elmployees benevolence, employees credibility, employees image, customers satisfaction and Customer Intimacy to Customer Loyalty. The study uses 125 respondents and these are analyzed by using SEM (Structural Equation Modeling) with Amos 18.0 program. Resutts of the study indicate a significant positive effect between variables employees image with customers intimacy, customers satisfaction with customers intimacy and customer intimacy with customers loyalty. On the other hand, there are two variables that have a positive effect is not significant that the employees benevolence with customer intimacy and employees cretlibility with customer intimacy.
Risiko usaha terhadap rasio kecukupan m odal bank umum swasta nasional devisa go public Ahmad Yusril Al Humam; Ellen Theresia Sihotang
Journal of Business & Banking Vol 8, No 2 (2018): November 2018 - April 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i2.1639

Abstract

Rasio kecukupan modal (Capital Adequacy Ratio/CAR) merupakan salah satu indikator yang diguankan untuk mengukur kecukupan modal bank. Kepatuhan terhadap kecukupan modal bank menjadi penting sebagai dasar pengelolaan bisnis perbankan. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh risiko likuiditas, kredit, pasar dan operasional terhadap rasio kecukupan modal dan rasio usaha yang paling berpengaruh terhadap kecukupan modal.  Penelitian ini menggunakan variabel Loan to Debt Ratio (LDR), Investing Policy Ratio (IPR), Non Performing Loan (NPL), Aset Produktif Bermasalah (APB), Interest Risk Ratio (IRR), Posisi Devisa Netto (PDN), Beban Operasional Pendapatan Operasional (BOPO), dan Fee Based Income Ratio (FBIR). Penelitian ini menggunakan data sekunder laporan keuangan publikasi Bank Umum Swasta Nasional Devisa Go Public periode 2013 sampai dengan triwulan II, 2018. Teknik pengambilan sampel menggunakan purposive sampling. Sampel penelitian ini adalah PT Bank Victoria International, Tbk; PT Bank Sinarmas, Tbk; PT Bank Bukopin, Tbk; dan PT bank Mayapada International Tbk. Pengolahan data menggunakan SPSS 23, dengan uji-F dan uji-t. Hasil dari penelitian ini mengungkapkan bahwa LDR, IPR, NPL, APB, IRR, PDN, BOPO dan FBIR secara simultan berpengaruh signifikan terhadap rasio kecukupan modal, namun yang berpengaruh parsial adalah LDR, APB dan IRR. Variabel yang paling berpengaruh   signifikan terhadap CAR adalah IRR.
PERTUMBUHAN DPK, PINJAMAN DITERIMA, PENEMPATAN PADA BANK LAIN, SURAT BERHARGA DAN KREDIT UNTUK PERTUMBUHAN EFISIENSI PADA BANK PEMERINTAH DAERAH Anggraeni .
Journal of Business & Banking Vol 3, No 1 (2013): Mei 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i1.258

Abstract

The bank is a financial institution that serves as an intermediary for those who have surplus funds to those who need it. Beside, banking activities include funding, lending and providing other services. In addition, funding activities include demand deposits, saving deposits and time deposits. While lending activities interbank placement, commercial papers and credits. To obtain profits, the bank needs to measure its ability to conduct its operations, one of which it uses the ratio of the efficiency ratio of operating expenses to operating income. The study uses sample of Regional Government Bank during the period 2010-2012 with total assets of over 10 trillion. There are six bank used as a sample, namely PT. BPD. Kalimantan Timur, PT. BPD. Riau, PT. BPD. Jawa Tengah, PT. BPD. Jawa Timur, PT. BPD Sumatra Utara. Based on this research, the growth of demand deposits, saving deposits, time deposit, loan received, inter- bank placement, commercial papers, and credit simultaneously have a significant effect on the growth of BOPO, by 28 %. Among the seven independent variables, there are three independ- ent variables that have a significant influence on the dependent such as time deposit growth with 9.92 %, the growth loan by 5.24 %, the growth interbank placement by 9.30%.
Pengaruh Desain Produk terhadap Keputusan Pembelian dan Dampaknya pada Kepuasan Konsumen Jasella Handayani; Derriawan Derriawan; Tyahya Whisnu Hendratni
Journal of Business & Banking Vol 10, No 1 (2020): Mei - Oktober 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v10i1.2261

Abstract

Service and tourism companies are increasingly providing applications, one of which is Traveloka to maintain and gain a higher market share. To affect the intention to use an application,  a company needs to take a concern about the ease of the operartion, transac-tion security, providing an attractive promo, and also giving a good experience to users. The purpose of this study is to identify factors that influence the intention to use and actual usage such as perceived ease of use, perceived value, perceived usefulness, subjec-tive norms, perceived trust, and image. The data were collected by a quesationnaire to 300 respondents who used the Traveloka application for the past year using a Simple Random Sampling method. The data were analysed using Structural Equation Model-ling-Partial Least Square (SEM-PLS). The result indicates that perceived ease of use and perceived value do not affect the intention to use but perceived usefulness, subjective norms and perceived trust are affecting the intention to use. The intention to use also affect actual usage and image also affect actual usage.

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