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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 4, No 1 (2014): Mei 2014" : 10 Documents clear
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.
FAKTOR-FAKTOR PENENTU KUALITAS HUBUNGAN DALAM PEMBERIAN LAYANAN KREDIT PERBANKAN KEPADA USAHA KECIL SERTA DAMPAKNYA TERHADAP KEPUASAN DAN KOMITMEN NASABAH Tito Nur Afandi
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.v4i1.298

Abstract

Almost half of Indonesian Gross National Product (GNP) is provided by small enterprises. In this case, small enterprises can create competition with the banks to offer their credit services. Some research found that good relationship can increase added value to banks customer of small enterprises owner. In turn, it also increases satisfaction and commitment. This study describes the factors determining relationship quality on banking credit services and small enterprises and its impact to customers satisfaction and commitment. Questionnaires were distributed to 135 small enterprises in Surabaya. The data were analyzed using statistic descriptivemethods to see the factors determining relationship quality, and SEM was employed to analyze the relationship between variables being researched. It shows both kinds of interactions such as service interpersonnel and service environment have a direct positive impact on relationship quality, service environmen consisting of ambience, credit policy and warranty are factors that determined the most relationship quality. The study incorporates the important notion of warranty to the construct of interaction quality between customers and the service environment. Thus, it also supports the hypothesis that factors determining relationship quality show its positivesignificant impact on satisfaction and commitment.
TRANSAKSI ONLINE, MENINGKATKAN KEPERCAYAAN DAN LOYALITAS MEREK BAGI KONSUMEN DI SURABAYA Aniek Maschudah Ilfitriah; Mohammad Nurhadi; Sumywi Rinnukti Asri
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.v4i1.292

Abstract

This study is aimed to determine the influence of transactional factors toward online brand trust and online brand loyalty. Online transactions factors consist of Information Quality, Perceptions of Risk, Reference from mouth to mouth, Online Shopping Experience and Sites Reputation. This is a survey research using questionnaires by Likert scale to measure all the constructs. Questionnaires distributed to the students of 14 campus locations in Surabaya. Questionnaires were distributed to 120 people and there are 5 people who do not qualify and excluded out from data so there left only 115 persons. The data were analyzed by means of Structural Equation Modelling (SEM) for testing the hypotheses. It shows that the quality of information has significant effect on online brand trust by 0.301 (p = 0.005); Perceptions of Risk has a direct and significant effect on online brand trust by 0.472 (p = 0.003), and Online Brand Trust has direct and significant effect on Online Brand Loyalty of 0.430 (p = 0.000).
TATA KELOLA, KINERJA RENTABILITAS, DAN RISIKO PEMBIAYAAN PERBANKAN SYARIAH Cahaya Ekaputri
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.v4i1.296

Abstract

This research aims to reveal how Good Corporate Governance (GCG) practices of Islamic banks in Indonesia are. It also examines the ability of Good Corporate Governance practices in increasing profitability performance and in decreasing financing risk. A purposive sampling as a sampling technique was used with sample consisting of 10 Islamic banks for the research period of 2010 through 2012. Secondary data were also used in which they were obtained from the financial statement, Good Corporate Governance reports and annual reports of Islamic Banks. It used composite score of Good Corporate Governance based on Peraturan Bank Indonesia 11/33/PBI/2009. The data were analyzed using descriptive analysis and multiple regressions analysis. It shows that Good Corporate Governance of Islamic banks in Indonesia have obeyed the regulation from Bank of Indonesia. Even so, sometimes some the banks have not been assessed in accordance with reality. Thus, sometimes there is no match between the self assessment score with practices. It also shows that Good CorporateGovernance practices of Islamic banks in Indonesia are not able to improve profitabilityperformances but can reduce financing risk.
PENGARUH KEPERCAYAAN PELANGGAN TERHADAP WORD OF MOUTH, NIAT BELI DAN RETENSI PELANGGAN GERAI INDOMARET DI SURABAYA Muhamad Fahmi Rizanata
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.v4i1.291

Abstract

Trust on brand is strongly needed to sustain a business since trusted customers potentially leads to positive word-of-mouth (WOM), purchase intention, and customer retention. Further, WOM may also affect the purchase intention and, in turn, purchase intention may affect customer retention. This study tested the model exploring the existence of a modern retail in Indonesia that is Indomaret. Retail industry in Indonesia has been growing very well and Indomaret has also shown good stand although the coming competitors have also been stronger. This research distributed 125 Questionnaire to Indomaret customers and the data were processed using AMOS 20.00. The result shows that trust does not significantly affect purchase intention, but it significantly affects purchase intention through WOM and customer retention, without the mediation of purchase intention. The implication is that Indomaret has to be aware of building the quality of their value chain to improve customer trust and WOM.
PENGUJIAN MONDAY EFFECT PADA BURSA EFEK INDONESIA DAN BURSA EFEK SINGAPURA Haikel Ardinan
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.v4i1.295

Abstract

The study attempts to examine the influence of Monday effect on stock return. The Monday effect is an example of a seasonal anomaly that is when the stock return is significantly negative on Monday. The variable used is the return index. The population in this study is the IndonesianStock Exchange and the Singapore Stock Exchange. The samples used were LQ45 and the Straits Times Index (STI) in the period January 2010 - December 2012. Statistical methods were used to test the hypothesis covering ANOVA, multiple regression, linear regression. First, it can be concluded that there is no effect on the phenomenon Monday LQ45 and STI during the period 2010-2012. Second, it can also be concluded that the returns on Monday in LQ45 and STI are not concentrated at week 4 and week 5 during the period 2010-2012. The third results in this study it can be concluded that the LQ45 index returns and STI on Monday systematically unpredictable based on market conditions Friday the previous week during the period 2010-2012.
STUDI EXPERIENCED REGRET, RISK TOLERANCE, OVERCONFIDANCE DAN RISK PERCEPTION PADA PENGAMBILAN KEPUTUSAN INVESTASI Dewi Ayu Wulandari; Rr. Iramani
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.v4i1.293

Abstract

Nowadays Investors often make investment decision irrationally. The decision is often based on their judgment that is far away from rational assumption. When investors face risky situation, there are some objectivities, emotions, and other psychological factors that usually effecttheir decision making. This purpose of study is to examine the effect of experienced regret, risk tolerance, overconfidence and risk perception on investment decision making among lecturers in economics studies in Surabaya. Sample of this study is the lecturers of the economics studies in Universities in Surabaya who are also the investors. This study usedpurposive, convenience and snow-ball sampling method. There are 72 respondents taken from questionnaire by survey method. To test hypotheses, this study employs descriptive analysis and multiple regression analysis. Moreover, by performing multiple regression analysis, this study found that only risk tolerance and risk perception have significant effect on investment decision making, but experienced regret, and overconfidence do not.
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.
PENGARUH KEPUASAN DAN LOYALITAS PELANGGAN TERHADAP WORD OF MOUTH PADA PELANGGAN HONDA MOTOR DI SURABAYA Yuli Rahmawati; Bagus Suminar
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.v4i1.290

Abstract

This study aims to determine whether increased sales and increased production that occurs at the Honda motor company were due to customers satisfaction, loyalty, and word of mouth. The method of analysis was done by means of multiple linear regression analysis andpath analysis. The data were collected through a survey questionnaire. Questionnaires were distributed to Honda customers who were inadvertently encountered. They were the customers of Honda motorcycles with more than one year. The measurement was done by Likert with a scale of one to five. It shows there is a significant influence of customer satisfaction towards customer loyalty, and also found a significant influence of customer loyalty towards word of mouth, as well as a significant influence of customer satisfaction toward word of mouth, and found also the influence indirect customer satisfaction on word of mouth throughcustomer loyalty. It is important to strengthen the company's relationships with customers. In this case customer satisfaction is also an important aspect. Satisfaction and loyalty can be a key objective in improving and maintaining word of mouth, while customer word of mouth will come up when customer satisfaction and customer loyalty have been created.
PERSEPSI AKAN GAJI, MOTIVASI KERJA, DAN KINERJA KARYAWAN PT. AMITA BARA SEJAHTERA Eddy Madiono Sutanto; Ferdian Mario Patty
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.v4i1.289

Abstract

Employee performance is a process which is used by an organization to evaluate and judge the work performance of the employees. There are two variables that have been used to review the performance of employee in PT. Amita Bara Sejahtera, which are salary and work motivation. This research goal is to observe the influences of salary and work motivation effect partially and simultaneously towards work performance, to observe the dominant variable between salary and work motivation towards performance, and observing another factor that influence the work performance of the employees in PT. Amita Bara Sejahtera. Data collecting used questionnaire with judgment sampling to 50 employees with some criteria. The result of analysis using multiple linier regression is that salary and work motivation are positively influenced the performance of employee in both partially and simultaneously.

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