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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 11, No 1 (2021): Mei - Oktober 2021" : 10 Documents clear
Analisis perceived organizational support dan budaya kerja terhadap beban kerja dalam meningkatkan kinerja karyawan bank menuju new normal Honorata Ratnawati Dwi Putranti; Dian Al Ardhi Mahalalita
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2507

Abstract

The Covid 19 pandemic—which has spread throughout the world since early 2020— has had an impact on several countries, including Indonesia. This condition changes the company's policy, intended to maintain optimal employee performance. This study aims to determine the effect of perceived organizational support (POS) and work culture on employee performance. The population of this study were 179 employees of Bank BTN Semarang branch with a sample of 65. The sample was taken using a stratified random sampling with primary data distributed by online questionnaires. The results showed that POS has a significant effect on performance, work culture has a positive and significant effect on performance, POS has a negative and significant effect on workload, Work culture has a negative and significant effect on workload and workload has a negative and insignificant effect on performance significantly influence workload, workload does not significantly influence employee performance and work culture. Work culture has a significant effect on employee performance. POS has a significant effect on workload, work culture has a significant direct effect and a significant indirect effect. POS has a significant direct and indirect effect. The study is useful for understanding how to optimize company management and creating a work culture in improving the performance of bank employees.
Determinan Minat Menabung Masyarakat di Bank Syariah: Studi Empiris di Kota Jambi Titin Agustin Nengsih; Arsa Arsa; Pradita Sari Putri
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2599

Abstract

This research is motivated by the lack of public interest for saving at Islamic Banks which the results of preliminary observations are most people save at conventional banks. Location, trust, knowledge, promotion and service quality are thought to influence people's interest for saving at Islamic Banks. This study aims to determine the effect of location, trust, knowledge, promotion, and service quality on the interest of the people of Jambi City to save in Islamic banks. This study uses a quantitative approach and the data analysis method used is Multiple Linear Regression Analysis. The results of data analysis indicate that trust, promotion and service quality variables had a significant effect on people's interest in saving. Furthermore, the location and knowledge variables didn’t affect the interest in saving. Indeed, the analysis model also shows that location, trust, knowledge, promotion and service quality together have a significant effect on the interest in saving with the determinant coefficient value for this model of 47.8%.
Literasi Keuangan, Sikap Keuangan dan Perilaku Keuangan dan Kinerja UMKM Irin Fitria; Fransiska Soejono; M J Tyra
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2496

Abstract

This study aims to examine the effect of financial literacy variables, financial attitudes, and financial behavior on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Palembang city. The respondents who were involved were 115 MSMEs. The data were collected using an online questionnaire, namely google form. This research uses the validity test to test the research instrument, the reliability of the research questionnaire, and test the classical assumptions to fulfill the research regression model which is the Best Linear Unbiased Estimator. They were analyzed using Multiple regression models and research hypothesis testing was also done. The Financial literacy of MSMEs owner is moderate, while their financial attitudes and behavior are relatively good. The findings show that financial attitudes have a positive effect on the performance of MSMEs. Another finding shows that financial literacy and financial behavior have no effect on the performance of MSMEs. MSMEs owners need to develop good financial attitudes in managing their businesses so that the achievement of business performance is more optimal.
Digitalisasi UMKM, Literasi Keuangan, dan Kinerja Keuangan : Studi pada masa Pandemi COVID-19 Larissa Adella Octavina; Maria Rio Rita
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2552

Abstract

The purpose of this study is to analyze the significance of UMKM’s digitized influence, financial literacy, and financial performance comprising some constructive, which is : fintech based payment gateway, digital marketing, and financial literacy. The kind of research used  a quantitative approach. Using the online distribution of the questionnaire using 118 samples taken by umkm in the culinary sector in The City of Solo. The data analysis techniques used in the study are moderated regression analysis equations (MRA) tested by using SPSS software. The results showed a significant positive impact between UMKM’s financial performance, digital marketing had a significant positive impact on financial performance of UMKM, and financial literature could moderated the most fintech based payment gateway.
Pengaruh employee engagement dan big five personality terhadap organizational citizenship behavior tenaga pengajar Fakultas Ekonomi Universitas Swasta di Surakarta Suprayitno Suprayitno; Sutarno Sutarno
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2505

Abstract

This study aims to determine the effect of the employee engagement and the big five personality on organizational citizenship behavior (OCB). The object of this research is the lecturers of the Faculty of Economics, Surakarta City Private University. The research used the quantitative method, with SPSS 23.0, for analyzing the data. The data obtained by  distributing a list of questions to 36 lecturers of the Faculty of Economics, Surakarta City Private University, using purposive sampling technique. The research instrument was tested using validity and reliability tests. Prior to the hypothesis test using the multiple linear regression analysis tool, the classical assumption test was carried out, while the t test used to determine the significance of the influence of the independent variables on the dependent variable. To find out whether the regression model can be used to predict the effect of the independent variable on the dependent variable or the model accuracy test, the F test is used. The results of the analysis in this study indicate that employee engagement has a significant effect on organizational citizenship behavior, while big five personality have positive but insignificant effect on the organizational citizenship behavior.
Faktor yang mempengaruhi retensi karyawan milenial pada saat pandemi Covid-19: Kasus pada sebuah perusahaan BUMN di Indonesia Eko Supriyadi; Dian Prasetya Ningrum; Eka Dewi Kurniawatiningsih; Farhan Bilal; Rezha Pahleviando; Indria Handoko
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2572

Abstract

Employee turnover is one of key factors that can affect a company expenses, such as the increased cost of hiring and training new employees. During Covid-19 pandemic, where companies are facing not only health crisis, but also economic and social crises, the issue of turnover rate becomes more critical. This paper attempts to examine factors that can influence employee retention during the Covid-19 pandemic. In particular, the research will focus on millennial employees in one state-owned company in Indonesia, that unlike other companies, it has a low turnover rate since before until during the pandemic. This study is exploratory in nature, using in-depth interviews and focus group discussions to 13 employees from different positions. This research aims to find out what factors that make the millennial employees chose to stay even when the company was in a difficult situation. The findings suggest both extrinsic and intrinsic factors that have influenced the employees to stay. Extrinsic utilitarians factors found were job security, compensation, work environment, promotion, training, limited opportunities to work in other company, and chances to own a house at a young age. Whereas intrinsic factors were job challenges, work-life balance, job satisfaction, recognition, as well as gratitude and pride. This research contributes to build a better understanding on how to retain millennial employees, particularly in the Covid-19 pandemic.
Pengaruh Pembayaran Non Tunai dan Tingkat Suku Bunga Kebijakan Terhadap Sistem Pembayaran di Indonesia Wahyuril Ramadhani; Ris Yuwono Yudo Nugroho
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2591

Abstract

This study aims to analyze the effect of non-cash payments and policy interest rates on the demand for money in Indonesia in the long and short term. The analysis method used is the Error Correction Model (ECM) with secondary data including electronic money, Card-Based Payment Instruments, BI-RTGS, SKNBI, policy interest rates and M2. The results showed that in the long run, electronic money and APMK had a positive and significant effect on the demand for money. SKNBI and BI-RTGS had a negative and significant effect on demand for money. “In the short term, APMK has a positive and significant effect on money demand. E-Money, SKNBI and BI-RTGS both have positive and insignificant effects on money demand. Policy interest rates have a negative and insignificant effect on money demand in the long and short term. The implication of this research is that in the future there will be more and more people transacting non-cash because it is considered safer, easier and faster. In addition, the demand for base money is reduced which in turn can affect the implementation of the central bank's duties in implementing monetary policy, especially controlling monetary amounts. The development of information technology will have implications for the reduced role of base money in payment transactions.
Peran E-wallet dalam Penghimpunan Zakat, Infak, dan Sedekah (Studi Kasus pada OVO, Go-Pay, Dana, dan Link-Aja) Sarah Lutfiyah Nugraha; Ika Yunia Fauzia
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2590

Abstract

Penelitian ini bertujuan untuk mengetahui peran dari e-wallet dalam berzakat, infak, dan sedekah melalui observasi, wawancara, dan dokumentasi kepada informan. Hasil penelitian ini menunjukkan bahwa e-wallet memiliki dua cara yaitu melalui scan QRIS dan secara langsung melalui menu pada aplikasi e-wallet. Selain itu, e-wallet menjalankan perannya sebagai pengingat, mempermudah, dan fleksibel bagi penggunanya. Serta harapan selanjutnya dari donatur yaitu diharapkan e-wallet dapat bekerjasama lebih lanjut dengan berbagai LAZNAS dan juga melakukan sosialisasi lebih lanjut supaya lebih banyak masyarakat mengetahui kemudahan yang ada. Berdasarkan kajian teori serta hasil observasi, wawancara, dan dokumentasi yang ada penggunaan e-wallet dipengaruhi oleh kepercayaan dan kepuasan, serta seberapa besarnya perilaku konsumsi masyarakat dalam berzakat, infak, dan sedekah dipengaruhi oleh besarnya pendapatan yang dimiliki oleh donatur.
Pengaruh Risiko Keamanan, Keuangan dan Sosial terhadap Kepercayaan pada Layanan Mobile Payment Aplikasi Dana Maytita Zafira Putri; Yudi Sutarso; Faizatul Hiqmah
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2667

Abstract

This study aims to analyze the effect of security, financial and social risks on trust in mobile fintech services using the Dana application, with moderation of religiosity. The research hypothesis states that security, financial and social risks negatively affect trust, and religiosity moderates the relationship between social risk and trust. The sampling technique used was pur-posive sampling and data was collected through questionnaires. This study involved 125 respondents, namely users of mobile payment application named Dana, from Surabaya and Sidoarjo area. SEM PLS is used as a structural model testing. The main finding of this study shows that security risk has a negative effect on trust, however, financial risk has unconfirmed a negative effect on trust. A different finding of this study is that social risk has a positive effect on trust. In the relationship between social risk and trust, this study suggest that religiosity unconfirmed moderates the relationship.
Determinants of Islamic Social Reporting on Sharia Commercial Banks of Indonesia Ikbar Luqyana; Dilla Saezana Zunaidi
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2727

Abstract

This paper intends to confirm the effect of profitability, leverage, sharia compliance, firm size and investment account holders on the disclosure of Islamic Social Reporting. So that practitioners, academics and the public can fully understand the accountability and full disclosure of Islamic commercial banks based on sharia. This paper applies legitimacy theory to developed the hypotheses linking between ISR and the determinants (profitability, leverage, sharia compliance, firm size and investment account holders). Purposive sampling technique was used in the selection of research samples. The sample obtained is twelve Islamic banks that can be studied as a sample. Classical assumption test, multiple linear regression, f test, R2 test, and t-test were used in this study. This paper finds that the level of ISR disclosure is still low (59.5%). We also find that Islamic Social Reporting disclosure is affected by profitability, firm size and investment account holders. Meanwhile, the disclosure of Islamic Social Reporting is not affected by leverage and sharia compliance.

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