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INDONESIA
Journal of Business and Banking
ISSN : 20887841     EISSN : 23033460     DOI : http://dx.doi.org/10.14414/jbb
Core Subject : Economy,
Arjuna Subject : -
Articles 10 Documents
Search results for , issue "Vol 10, No 2 (2020): November 2020 - April 2021" : 10 Documents clear
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 E-Service Quality, Kualitas Informasi dan Perceived Value terhadap Loyalitas Pelanggan melalui Kepuasan Pelanggan Grabbike Punang Biru Vicramaditya
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.v10i2.2379

Abstract

This study aims to determine the effect of e-service quality, information quality and perceived value on GrabBike customer loyalty through customer satisfaction. The number of respondents used in this study was 154 respondents, all respondents were users of the GrabBike service on the Grab application issued by the company PT Grab Indonesia. The instrument used in this study was a questionnaire instrument. The data from filling out the questionnaire were then analyzed using the Partial Least Square (PLS) analysis technique with the help of the SmartPLs program.Based on the results of this study, it was found that e-service quality and perceived value had a positive and significant effect on customer satisfaction and customer loyalty, while information quality had a positive and significant effect on customer satisfaction but not positive and significant on customer loyalty. The results of the indirect effect test show that e-service quality, information quality and perceived value have a positive and significant effect on customer loyalty through customer satisfaction.Keywords: e-service quality, information quality, perceived value, Partial Least Square
Pengaruh keunggulan bersaing terhadap kinerja pemasaran pengrajin rotan Pekanbaru Nofrizal Nofrizal; Aznuryandi Aznuryandi; Arizal N; Azhar Affandi; Undang Juju
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.v10i2.2487

Abstract

This study attepts to determine the effect of competitive advantage on the marketing performance of rattan craftsmen SMEs where—before the Covid 19 epidemic until the current implementation of New Normal— marketing performance continued to decline and was difficult to develop. Therefore, this benefited to help the SME craftsmen of rattan find and implement factors that can improve marketing performance so that the conditions of the SME Craftsmen continue to develop. This study used a survey method with the sample of 40 respondents of rattan craftsmen in Pekanbaru City. The data were colected using questionnaires and observation techniques, and the data were both primary data and secondary data. The stages of data analysis are validity test, reliability test, classical assumption test, multiple linear regression, t test, f test and determinant coefficient test (R2). The results showed that product uniqueness, product quality and competitive prices had an effect on marketing performance. Simultaneously to the effect of competitive advantage on the marketing performance of UKM Rattan Craftsmen Pekanbaru. It suggest that further study add the variables/factors that can be used to improve marketing performance for MSMEs in Indonesia, especially in Pekanbaru.
The effect of job satisfaction, workplace spirituality and organizational commitment on work productivity with organizational citizenship behavior (OCB) as intervening variable (Case study on Bank Muamalat Indonesia KC Solo) Musalim Ridlo; Ifan Arin Wardahana; Kristiani Gracelia Jessica
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.v10i2.2272

Abstract

The study aims to identify and analyze the influence of job satisfaction, organizational commitment, workplace spirituality on work productivity with Organizational Citizenship Behavior (OCB) as an intervening variable. The population of this study consists of all employees of Muamalat Bank Solo Branch. The data were collected by a questionnaire distributed to 40 employees of Muamalat Bank Solo Branch. This study uses a saturated sample technique or total sampling. The data were analyzed using multiple linear testing and path analysis. The results show that job satisfaction and Organizational Citizenship Behavior (OCB) have a positive and significant effect on employee work productivity, while spirituality at work and organizational commitment has a positive but not significant effect on employee productivity. Simultaneously, it shows that job satisfaction, workplace spirituality, organizational commitment and Organizational Citizenship Behavior (OCB) have a positive and significant effect on employee work productivity. Based on the path analysis test,  job satisfaction, workplace spirituality and organizational commitment have a positive and significant effect on employee work productivity through Organizational Citizenship Behavior (OCB) as an intervening variable. 
Reputasi perusahaan keluarga: Accrual dan real earnings management William Sebastian Tanusaputra; Rizky Eriandani
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.v10i2.2445

Abstract

This study examined the effect of earnings management on reputation in family firms listed on the Indonesia Stock Exchange (ISE). The data were collected from audited financial reports of companies listed on the Indonesia Stock Exchange for 2017-2019. The data were slected by using a purposive sampling towards 264 companies. The data of company reputation comes from the corporate image reward website, and they were analyzed using logistic regression. The results showed there is no effect of accrual earnings management (AEM) on the family firms’ reputation. On the contrary, real earnings management (REM) has a significant negative effect on family firms. This result implies that earnings manipulation by adjusting the company’s operations will result in a bad reputation.
Peran kepercayaan, manfaat dan religiusitas dalam meningkatkan niat menggunakan kembali dompet digital Adinda Ridhia A.N; Yudi Sutarso
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.v10i2.2172

Abstract

The purpose of this study is to examine the effect of trust and perceived value on continuance intention of payment gateway services with religiosity as moderation variable. This study involves 130 respondents collected through questionnaires in the area of Surabaya and Sidoarjo, East Java. Their responses were analyzed using descriptive analysis with SPSS 16.0 and statistical analysis with WarpPLS 6.0. The results indicate that trust and perceived benefit have positive effect on continuance intention. The moderating role of religiosity has an effect on the relationship between trust and continuance intention. It can be impliead that wallet payment companies should develop their strategies in the future, especially as an evaluation of the performance of their services in fintech competition. They should also provide important information to wallet payment so that they can build trust and perceived benefit that have an impact on continuance intetntion by moderating religiosity to increase the use of wallet payment services.
Penerapan domain knowledge pada model data nasabah perbankan dalam memprediksi churn rate Gede Adi Aryanata; Linawati Linawati; Ida Bagus Alit Swamardika
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.v10i2.2506

Abstract

Penelitian ini mendiskusikan tentang proses pembuatan dan pengoptimalan model data yang digunakan untuk memprediksi kemungkinan keluarnya nasabah dari suatu layanan perbankan berdasarkan beberapa variabel independen yang disediakan oleh pihak perbankan. Penelitian ini menggunakan Regresi Logistik sebagai metode utama untuk menghasilkan model hubungan antar data yang menggambarkan klasifikasi umum nasabah yang akan keluar dari layanan perbankan. Penelitian ini menggunakan metode Backward Elimination dan penerapan domain knowledge untuk mengoptimasi kinerja dari model yang dihasilkan. Model terakhir yang dihasilkan akan dinilai kembali dengan metode Cumulative Accuracy Profile. Hasil dari penelitian ini memiliki tingkat akurasi yang baik dalam memprediksi kemungkinan keluarnya nasabah dari layanan perbankan. Model dapat memprediksi 60% orang yang akan keluar dari bank dengan memeriksa 29% dari keseluruhan data. Hasil keluaran penelitian ini dapat dikaitkan dengan tingkat efisiensi usaha yang dapat dilakukan oleh pihak perbankan dalam mengambil tindakan pada nasabah dengan tingkat probabilitas tertinggi untuk keluar dari layanan perbankan.
Ketepatan waktu pembayaran simpan pinjam guna meningkatkan pengembangan koperasi unit desa Prastika Nurlitaputri; Isharijadi Isharijadi; Elana Era Yusdita
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.v10i2.2306

Abstract

This study aims to analyze (1) the causes of inaccurate loan payments (2) the handling of inaccurate savings and loan payments (3) solutions for the development of the SMW Village Unit Cooperative. The data were collected by means of observations, interviews, and documentation. Then, they were analysed using descriptive analysis with a qualitative approach. The informants of this study were the cooperative employees in relation whith the cooperative savings and loan process. The results showed that the inaccurate loan repayments were due to economic factors (illness, celebration, disaster experienced by members, other unexpected needs) and delayed harvest periods (crop failure). The handling of inaccurate savings and loan payments done by the KUD SMW were taken by conducting field surveys, giving warnings, and taking personal approaches. Next is that the solution to developing the KUD SMW is carried out by means of business expansion and business intensification. The SMW KUD should do a more maximal analysis of the 5C principle so that they can clearly identify the borrower's ability to pay their future obligations, and it is better to strengthen the development of business intensification prior to business extentification so that bad credit does not burden new business units.
Analisis perbedaan kinerja perusahaan dan kinerja modal intelektual di Indonesia Lewi Sugianto; Hendra Wijaya
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.v10i2.2273

Abstract

Business development is needed to increase its competitive advantage. In business development, the companies can do a business combination through mergers and acquisitions. Mergers and acquisitions are expected to improve intellectual capital performance. Apart from improving the performance of the company, it is also expected to increase their company performance. This study aims to examine and analyze difference in intellectual capital performance and company performance 1 year before and 1-4 years after mergers and acquisitions. The objects in this study are all companies listed on the Indonesia Stock Exchange and do mergers and acquisitions in 2011-2014. The data analysis technique used is the Wilcoxon test. The results of this study found that mergers and acquisitions made the performance of intellectual capital and company performance decline. This is because when a company merges and admits, the management who manages cannot directly use the intellectual capital they have, but must study it in order to be able to use it. Therefore, it takes time to be able to synergize it so that the performance of intellectual capital will be better. The deteriorating performance of intellectual capital shows the added value that can be created by the company to make profits worse, which will make the company's performance also decreased.
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 : STIE Perbanas Surabaya

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.

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