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INDONESIA
Journal of Business and 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 10 Documents
 1 
Search results for , issue "Vol 9, No 2 (2019): November 2019 - April 2020" : 10 Documents clear
Pengaruh risiko usaha terhadap profitabilitas pada bank umum swasta nasional devisa Syania Dita Cahyani; Herizon Herizon
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1763

Abstract

The purposes of this study are analyzes the simultaneously and partially effect of LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR to ROA in Bank Umum Swasta Nasional Devisa. The sample of this study consisted of four banks: Bank CIMB Niaga, Bank Permata, Bank Pan Indonesia, and Maybank. This study used secondary data taken from the financial statements of  Bank Umum Swasta Nasional Devisa. The bank period from the first quarter of 2013 to the second quarter of 2018. The technique of analyzing data is descriptive analysis and used linear regression analysis, F table, t table. The result of this study indicate that analyzing LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR simultaneously have a significant effect on ROA in Bank Umum Swasta Nasional Devisa. Partial LDR, IPR and APB have unsignificant negative effect on ROA in Bank Umum Swasta Nasional Devisa. NPL and IRR partially have unsignificant positive effect on ROA in Bank Umum Swasta Nasional Devisa. PDN and BOPO partially have significant negative effect on ROA in Bank Umum Swasta Nasional Devisa. FBIR partially has significant positive effect on ROA in Bank Umum Swasta Nasional Devisa.
Bank syariah: peran sosial dalam kerangka maqashid syariah dan profitabilitas di negara Qatar dan Indonesia Kartika Sari
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1834

Abstract

This research aims to determine the role of social Islamic bank and the Islamic bank's business objectives are gaining profit. Islamic banks are tied to sharia principles and carry on social roles in the concept of Sharia Maqashid in conducting its business.The social role is to carry out social values such as education, justice and social welfare. The method used to determine the social role of Sharia banks is by measuring Maqashid Index Syariah Index (MSI) while the profitability is known using the comparative Performance index method on seven Islamic banks spread across The country of Qatar and Indonesia in 2010-2017.To know both social roles and profitability using Quadrant Analysis Measurememnt (QAM).The results showed that of the seven Islamic banks spread across the country of Qatar and Indonesia, Only three Islamic banks are good for the profitability of the Bank, there are Qatar International Islamic Bank, Qatar Islamic Bank and Bank Syariah and Mandiri. But the achievement of the social role of the three Islamic banks is not good so that in the the Upper Left Quadrant (ULQ). Meanwhile, four other sharia namely Barwa, Bank Muamalat Indonesia, Syariah National Bank and Bank Rakyat Indonesia Syariah do not well achieve the social role and profitability so that in the Lower Left Quadrant (LLQ).
Pengaruh brand image dan brand trust sebagai variabel intervening dalam memilih universitas Juliana Juliana; Johan Johan
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1978

Abstract

The purpose of this research is to analyze the effect of brand image on purchase intention in selecting a desired University, the effect of brand image on brand trust and the effect of brand trust as the intervening variable on purchase intention when selecting the desired University. The data collection is done by having a survey using questionnaires sent to 100 students in three different high schools who are in  their senior year. This research is using quantitative approach with PLS-SEM method using the assistance of SmartPLS 3.2.7 software to evaluate the outer model and the inner model. The result shows that brand image and brand trust as the intervening variable have significant effect on purchase intention when selecting the desired University by students.
Peran intellectual capital terhadap market to book value dan return on assets dengan research and development sebagai pemoderasi Pandu Alvi Baskoro; H. Suratno; Syahril Djaddang
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.2049

Abstract

This study aims to support the role of Research and Development on Intellectual Capital on market value (MtBV) and corporate financial performance (ROA).  Using the Pulic model - Intellectual Value Coefficient (VAIC), this study examines the relationship between value added (VAIC) of the three main corporate resources (ie Physical Capital, Human Capital and Structural Capital), the company's market value (MtBV) and corporate finance ( ROA), and also Research and Development (R&D).  The data is gathered from 43 selected banking companies listed on the Indonesia Stock Exchange in 2013-2017.  Data analysis uses multiple regression.  The results show that Intellectual Capital (VAIC) does not affect to market value (MtBV), but the compilation of Intellectual Capital (VAIC) developed by Research and Development (R&D) as full moderation can support market value.  Intellectual Capital (VAIC) affects financial performance (ROA), as well as Intellectual Capital (VAIC) supported by Research and Development (R & D) as a quasi-moderation which also strengthening the financial performance (ROA).Keyword : Intellectual Capital (IC), Market to Book Value (MtBV), Financial Performance (ROA), Research and Development (R&D).
Virtual reality: aplikasi teknologi untuk peningkatan kunjungan wisatawan Sri Hartini; Cathleya Anglelyn; Sukaris Sukaris
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.2014

Abstract

The development of Indonesia's tourist destinations when supported by technological advances. With a destination, technology can be known and visited. One influence of technology is a virtual reality in the context of destinations. Virtual reality is a technology that allows users to interact with the environment in a virtual world that is simulated by a computer, so users feel they are in that environment. Focus on consumer behavior in choosing tourist destinations associated with virtual reality. Specifically, the research objective is to determine the effect of presence in virtual reality, on perceived enjoyment, attitude toward Virtual reality, and intention to visit destinations. The study population was tourists in East Java, with a purposive sampling method. Samples were asked to play virtual reality in destinations that had never been visited, then they answered questionnaires related to their experiences using virtual reality. The analysis tool uses SEM-PLS. The results show five proposed hypotheses, four hypotheses were accepted and one hypothesis was rejected. Presence influences perceive enjoyment, but presence does not affect attitudes toward virtual reality. Perceive enjoyment influences attitudes toward virtual reality and intention to visit tourist destinations. Attitudes toward virtual reality affect the intention to visit tourist attractions
Pengaruh literasi keuangan, financial capital, kebijakan pemerintah terhadap kinerja usaha pada usaha kecil dan menengah di Jawa Timur Dyah Regita Pramestiningrum; Rr. Iramani
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1750

Abstract

SMEs contribute greatly to economic growth in Indonesia, SMEs are able to produce GDP up to 59.08% (Bank Indonesia dan LPPI, 2015). The purpose of this study to determine the effect of financial literacy of SME managers, financial capital of SME and government policies on SME’s business performance. Total samples in this study are 177 SMEs. The sample data of this study are primary data in the metropolitan cluster in East Java which includes Surabaya, Gresik, Sidoarjo and Mojokerto. The results of this study indicate that the ability of SMEs managers about debt literacy has significantly and negative effect to business performance, the ability of SMEs managers about book keeping literacy and budgeting literacy have significantly and positive effect to business perfomance. Financial capital has significantly and positive effect to business performance and government policy in SMEs metropolitan cluster has no affect on the SMEs business performance.
Analisis e-marketing terhadap keputusan pembelian konsumen secara online Immanuel Candra Irawan
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1907

Abstract

Internet merupakan salah satu contoh teknologi infomasi di era industri 4.0 ini yang tidak mungkin bisa dihindari dari kehidupan manusia. Internet memberikan keuntungan dan tantangan bagi para pelaku bisnis untuk mempertahankan pangsa pasar dan memperluas bisnisnya. Melalui internet, para pelaku bisnis dapat memasarkan produknya ke konsumen secara online. Dalam berbelanja secara online, konsumen memiliki pertimbangan tersendiri sebelum bertransaksi. Penelitian ini bertujuan untuk menganalisis pengaruh  pemasaran elektronik (e-marketing) melalui media online yang meliputi faktor kemudahan, konten, respon, keamanan, dan kepercayaan terhadap keputusan pembelian konsumen secara online. Sampel yang digunakan dalam penelitian ini sebanyak 150 responden yang berbelanja secara online di Surabaya minimal tiga kali dalam tiga bulan terakhir, dimana mayoritas responden berusia antara 18 hingga 23 tahun. Data dianalisis menggunakan regresi linier berganda menggunakan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa faktor kemudahan, konten, respon, keamanan, dan kepercayaan baik secara parsial maupun simultan berpengaruh signifikan terhadap keputusan pembelian konsumen secara online.
Pengaruh pengetahuan keuangan, pengalaman keuangan, dan pendapatan terhadap perilaku keuangan keluarga Tirani Rahma Brilianti; Lutfi Lutfi
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1762

Abstract

This study aims to examine the effect of financial knowledge, financial experience, and income on financial behavior. The sample was taken using a purposive sampling and convenience sampling. The respondents were household financial manager in Madiun. There were 162 people taking part in this study. The data were analyzed using Multiple Regression. The results of this study showed that financial experience and financial knowledge have a significant positive effect on financial behavior. In addition, there is differences in financial behavior based on income level. This implied that household financial managers need to improve their financial knowledge and experience, such as in banking and capita market, so that they are able to manager their families’ financial matter better.
Kontribusi harga dan kepercayaan konsumen untuk membentuk kepuasan pengguna transportasi berbasis aplikasi Acai Sudirman; Efendi Efendi; Sri Harini
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.2078

Abstract

The rapid growth of internet usage has affected several sectors of human life, not least in the transportation sector. The implications of mobilizing the use of application-based transportation (GoJek) are now a trend among people to travel from one place to another. This condition illustrates that the intensity of the use of application-based transportation will have implications for the level of user satisfaction. The purpose of this study is to determine the contribution of price and consumer confidence to consumer satisfaction of users on the basis of application transportation. This research uses a case study model by involving students in one of the tertiary institutions in Pematang-siantar City. The number of samples in this study were 322 students obtained through non-probability sampling techniques with a purposive sampling method. Data collection uses an online questionnaire that is distributed to all samples in the form of a link (URL). Data analysis uses SEM test models consisting of measurement models and structural models. The results of research and hypothesis testing explain that price has a significant effect on user satisfaction of application-based applications. Furthermore, consumer confidence has a significant influence on user satisfaction based on application applications.
The effect of political connections on market performance with financial performance as a mediation variable for companies listed on Indonesia stock exchange (period 2014-2017) Elviga Cintha Ligita; Muazaroh Muazaroh
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1749

Abstract

This study aims to examine the impact of political connections on market performance with financial performance as a mediating variable. The sample in this study were non-financial companies listed on the Indonesian stock exchange for the period 2014 to 2017. There were 17 companies that had political connections during the study period. There are 17 comparison companies namely non-politically connected companies that were also used in this study. Market performance is measured using Tobin's Q ratio. Financial performance is measured using ROA and ROE and control variables use company size and leverage. This model uses multiple linear regression. The results shows that political connections have a significant effect on market performance but political connections do not have significant effect on financial performance, and financial performance does not mediate between political connections and market performance.

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