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INDONESIA
Journal of Business & Banking
Published by Universitas Hayam Wuruk Perbanas
ISSN : 20887841     EISSN : 23033460     DOI : http://dx.doi.org/10.14414/jbb
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 240 Documents
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Pengaruh likuiditas, kualitas aset, sensitivitas pasar, dan efisiensi terhadap Return On Asset (ROA) pada bank devisa yang go public Rommy Rifky Romadloni; Herizon Herizon
Journal of Business & Banking Vol 5, No 1 (2015): May - October 2015
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i1.477

Abstract

Banks are the financial institutions that have functions as the intermediary between the two parties such as those who need capital and those who have excessive capital. This research aims to analyze whether LDR, LAR, IPR, NPL, APB, IRR, PDN, BO-PO, and FBIR simultaneously and partially have significant effect on ROA. It uses secondary data taken by means of documentation method. These data were taken from published financial report of the foreign go-public national banks form first quarter of 2010 until second quarter of 2014. Multiple regression analysis was used for analysis. It shows that LDR, LAR, IPR, NPL, APB, IRR, PDN, BOPO, and FBIR simulta-neously have significant effect on ROA. In addition, LAR and FBIR, PDN, BOPO, NPL, partially have positive significant effect on ROA. But, LDR, IPR and APB, and IRR partially have negative and insignificant effect on ROA.
Menguji Determinan Individual Intention to Use pada Aplikasi Traveloka Octavianus Adi Wijaya; Erna Andajani; Siti Rahayu
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.v10i1.2230

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, transaction 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, subjective 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 Modelling-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.
STUDI FINANCIAL MANAGEMENT BEHAVIOR PADA MASYARAKAT SURABAYA Naila Al Kholilah; Rr. Iramani
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.v3i1.255

Abstract

The financial management behavior has become prevailing issue nowadays. This is due to the societys behavior of consumptions in Indonesia, and especially in Surabaya city. This study aims to examine the relationship between Locus of Control, Financial Knowledge, and Income on Financial Management Behavior. The sample consists of 104 respondents, in Su- rabaya in which they were taken by means of Purposive Sampling. The characteristic of re- spondents such as they live in Surabaya, labor force, and they have income equal to Rp 1.500.000. Using Structural Equation Modeling on AMOS, this research found that no direct effect on Financial Management Behavior by Financial knowledge and Income. Locus of Control is positively related to Financial Management Behavior, and Locus of Control medi- ates the effect of Financial Knowledge on Financial Management Behavior.
PENGARUH GAYA KEPEMIMPINAN TERHADAP KEPUASAN KERJA DAN KOMITMEN MANAJEMEN PADA LABORATORIUM MAWAR Fry Medistya Anke Priyono
Journal of Business & Banking Vol 2, No 1 (2012): Mei 2012
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v2i1.436

Abstract

It can be argued that current financial aspect is not a guarantee for a company which has good management for non-financial aspects. Therefore, such a condition requires a concept of balanced scorecard in a company, in this case, it is is a Laboratorium Mawar which is privately owned. Laboratorium Mawar tried to provide different styles of leadership to employees as a balancer of the financial aspect. Apparently, this affects job satisfaction nd employee commitment seriously so that there are four aspects of the balanced scorecard that can be balanced. Job satisfaction, for example, is a positive attitude toward work in individuals who are affected by two factors: maintenance factors and motivations factors. On the contrary, organizational commitment is the belief that strong values and organizational goals, willingness affect an extra effort in order to remain becoming a member or part of the organization. The four aspects that must be embodied in this concept include the financial, customer, internal business process and learning and growth so as to make the owner have a leadership style that makes employees comfortable in the work.
Analisis perilaku impulse buying dalam e-commerce perspektif bisnis syariah Dewinta Dora Sarrascalao
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.v8i2.1645

Abstract

Supported by the development of technology and information, some people change their buying behavior patterns from those initially offline to online systems. This study aims to examine the impulse buying behavior of online consumers in e-commerce which is viewed from the perspective of sharia business. The approach os this study is a qualititative method with a type of case study. The method of data collection in this study was to use interview methods, observation and documentation to informants. The unit of analysis of this study were nine consumers who made purchase online through a marketplace consisting of six buyers in Lazada, two buyers in  Zalora, and one buyer in BliBli, in addition there was one seller at Lazada. The results of the study show that 1)Consumers or individuals who have inclusive behavior in Lazada, Zalora and BliBli are included in the type of suggestion impulse behavior and planned impulse buying types (purchases depend on sales conditions). 2)Impulse buying behavior in e-commerce has fullfilled one or more sharia business principles, namely Lazada fulfills the principles of tauhid, adliyah, hurriyah, musawwah, and taawun, the Zalora fulfills the nabawi prinsiple, adliyah, musawwah, and hurriyah the BliBli fulfills the nabawi prinsiples, adliyah,  hurriyah, musawwah and ta’awun.
Mengukur pengaruh kualitas layanan model CARTER terhadap kepuasan nasabah perbankan syariah Indonesia Abu Amar Fauzi
Journal of Business & Banking Vol 6, No 2 (2016): November 2016 - April 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v6i2.718

Abstract

Sharia banking in Indonesia continues to grow from year to year and there are currently 12 sharia commercial banks and 22 sharia business units of conventional banks. However, the market share of sharia banking is still less than 5% of the market share of conventional banking. This phenomenon proves that the existence of sharia banking on a dual banking system that runs in Indonesia is still a shadow of conventional banking. By using a CARTER model consisting of the dimensions of compliance, assurance, reliability, tangible, empathy, and responsiveness, this research is directed to explore the perception of customers to service quality dan its influence on customer satisfaction of sharia banking in Indonesia. Structural Equation Model (SEM) based on nonlinear regression techniques partial least square (PLS) on WarpPLS 5.0 is used to analyze the data obtained from a survey of 97 customers of Bank Muamalat Indonesia in Surabaya. These results indicate that the service quality of sharia bank has a significant relationship with customer satisfaction. Empathy has the most powerful influence on customer satisfaction of sharia bank. Yet, compliance becomes the lowest dimension of service quality that affects customer satisfaction in Indonesia sharia banks.
Analisis strategi pemasaran UMKM menggunakan pendekatan kualitatif fenomenologi dalam era MEA Reza Heriyoga; Basuki Rachmat
Journal of Business & Banking Vol 5, No 2 (2015): November 2015 - April 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i2.708

Abstract

The purpose of this research was to find out and describe how the application of the mar-keting strategy is, in developing the micro small medium enterprise, in the face of ASEAN Economic Community (AEC) 2015. The study was focusing on the micro SMEs of handicraft industries e.g. leather, bags, and suitcases in Tanggulangin-Sidoarjo. The method employed in this study was the phenomenology of qualitative ap-proach. The data were collected from the owners of micro and small management, con-sumers, with the total number of 5 people and 1 from the government. It used observa-tion, documentation, and structured interview with the open questions for getting com-plete information. The results showed that the marketing strategy of the micro SME’s consisting of product, price, promotion, and distribution was not yet going well for fac-ing the ASEAN economic community 2015. In terms of products and the price, they were good but in terms of distribution and promotion, they were very weak. Other re-sults of the local government related to the condition of being still in half-measures in the development of the micro SMEs, especially in terms of the promotion and the awarding business credit.
Pengaruh risiko kredit terhadap permodalan dengan efisiensi sebagai variabel intervening Achmad Achmad; Emanuel Kristijadi
Journal of Business & Banking Vol 10, No 2 (2020): November 2020 - April 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v10i2.2404

Abstract

Capital for the banking industry as a safeguard against possible risks is very important. This study aims to analyze whether NPL, CKPN, LAR, and BOPO have a significant effect on CAR. This research uses secondary data, taken by documentation method. The data were obtained from the Bank’s financial reports (Book 3) for the 2016-2019 period from the published reports of the Financial Services Authority (OJK). The data were analyzed using a descriptive analysis and Multiple Regression Analysis (MRA). The results show that NPL, CKPN, and LAR have a significant positive effect on BOPO. The effect of NPL, CKPN, and LAR is significantly negative on CAR. The effect of the BOPO variable on CAR is positive but insignificant. Meanwhile, the effect of NPL, CKPN, LAR through BOPO as an intervening variable on CAR is negative and insignificant. The research results imply that, in the future, banks can control the number of non-performing loans so that the cost of funds reserved for problem loans does not increase.
PENGARUH PROFITABILITAS, LEVERAGE, DAN LIKUIDITAS TERHADAP RETURN SAHAM DENGAN NILAI TUKAR SEBAGAI VARIABEL MODERASI PADA SAHAM LQ-45 Anis Sutriani
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.v4i1.294

Abstract

The investors purpose is to get the stock return so that they should pay attention to the rise and fall of financial performance, macro factors that can affect stock return. This study examines (1) simultaneously the effect of profitability, leverage, and liquidity on stock return (2) partially the positive effect of profitability and leverage on stock return (3) partially the effect of liquidity on stock return (4) the exchange rate as a variable moderating the effect of profitability, leverage, and liquidity on stock return. Stock return is dependent variable, while profitability, leverage, and liquidity are the independent variables. The samples consists of listed companies in LQ-45, period 2008-2011 which were taken by purposive sampling from the 79 companies listed in Indonesia Stock Exchange but only 14 companies as sample. Multiple regression and multiple regression analysis with interaction were used for analysis test. The result shows simultaneously return on assets, debt to equity ratio, cash ratio have no effect on stock return and partially only return on asset (?=5%) and debt to equity ratio (? =10%) have effect on stock return. When exchange rate is used as a moderating variable, it was found that return on asset and debt to equity ratio was not moderating variable on stock return.
Pengaruh citra merek, kepercayaan merek, dan kepuasan pelanggan terhadap loyalitas merek sepatu NIKE di Surabaya Rollaz Dodo Pamungkas
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.v9i1.1950

Abstract

This study aimed to test the effect of the brand image, brand trust, and customer satisfaction on brand loyalty NIKE shoes in Surabaya. This quantitative study used SPSS version 16.00 for the data analysis, with the population of Nike shoes in Surabaya. The data were collected using questionnaires towards 80 respondents. They were selected based on the method of purposive sampling. Multiple linear regression analysis was also for analyzing the data. The results showed that (1) there is a significant difference between the variables of brand image on brand loyalty Nike shoes in Surabaya, (2) there is also a significant difference between the variables of confidence in the brand to brand loyalty Nike shoes in Surabaya (3) a significant difference between the variables customer satisfaction on brand loyalty Nike shoes in Surabaya.

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