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Journal : Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship

Impact of Credit and Liquidity Risk on Profitability: The Conventional Rural Banks in Riau Islands Province Hesniati, Hesniati; Ellen, Ellen; Marheni, Dewi Khornida
Jurnal Maksipreneur Vol 13 No 2 (2024)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v13i2.1667

Abstract

The Covid-19 pandemic drastically changed the world economy, resulting in Indonesia experiencing an economic decline and deflation. The banking industry played a significant role in building the economy, so the financial services authority issued a circular letter regarding the provisions for implementing risk management for conventional rural banks and the new rules for implementing credit restructuring. This study analyzed the impact of credit and liquidity risk of conventional rural banks in the Riau Islands on profitability. Data were extracted from the financial services authority publication report of 42 conventional rural banks in Riau Islands during 2017-2021. The results of panel data analysis with the fixed effect model (FEM) showed that all risks were significantly associated with profitability (ROA), the authors found that the capital adequacy ratio had a positive significance, and the non-performing loan, liquid asset to total asset, loan to deposit ratio, and cash to deposit ratio harmed ROA. The results showed that bank risk management was needed to maintain the profitability of rural banks in Riau Islands Province.
Analysis of Factors Influencing Brand Loyalty to International Clothing Brands in Batam City Mediated by Brand Trust Winardy, Jeffri; Marheni, Dewi Khornida
Jurnal Maksipreneur Vol 14 No 1 (2024)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v14i1.1330

Abstract

This research was conducted to determine the factors influencing Brand Loyalty to international clothing brands in Batam City, which is mediated by Brand Trust. By using purposive sampling, samples obtained as many as 355 respondents. Empirical data was obtained using the online questionnaire distribution method with the Google form. The research data was tested using the Structural Equation Modeling (SEM) technique with Smart PLS 3 for Windows. The variables contained in the research are Brand Reputation, Brand Personality, Brand Experience, Brand Image, Brand Trust, and Brand Loyalty. The study results show that the variables of Brand Experience and Brand Trust affect Brand Loyalty. Variables of Brand Experience, Brand Image, Brand Personality, and Brand Reputation influence Brand Trust. Meanwhile, Brand Image, Brand Personality, and Brand Reputation variables do not affect Brand Loyalty. Brand Image and Brand Reputation variables affect Brand Loyalty when mediated by Brand Trust. Meanwhile, Brand Experience and Brand Personality do not affect Brand Loyalty when mediated by Brand Trust. This study is expected to become a reference and literature for building marketing strategies to be more effective and efficient. So it can be used by companies as a source of information and insight in making business decisions.
Co-Authors Abner O nesimus Sijabat Ade Olivia Agus Susanto Alex Alex Alfred Joven Angelina Wulan Juniarty Angellyn Lim Anmelrina Anmelrina Antalius, Yosep Deki Ardi Hermanto Arienda Gitty Ramadani Arienda Gitty Ramadani Ayu Purnama Calvin Calvin Candy Candy Candy Candy, Candy Cheristina, Cheristina Cindy Ellysa Cindy Ellysa Cing Mei Cruz II, Roque B. Darvin Darvin Desi Mulyati Dessy Aliandrina Dhifira Annisa Widyasari Dhifira Annisa Widyasari Dhifira Annisa Widyasari Diana Diana Diana Merliana Rahman Eddy Oktarianto Ellen Ellen Eni Valentina Enje Aprilla Erick, Erick Evelyn Evelyn Evelyn Fanesha Nissy Kusweanto Firman Adiyasa Fitri Sembiring Milala Grace Geovanni Gracia Melani Greece Agustin H, Andre Steven Hashim, Hanini Ilyana Che Helen Tan Hendry Hendry Heri Hartono Herman Herman Hery Haryanto Hery Haryanto Hesniati Hesniati Hesniati, Hesniati Ibrahim, Mukdad Isnaini Nuzula Agustin Jeffri Winardy Jenny, Jenny Jevfri Jevfri Jimmy Cung Joey Joey Jofia, Nurul Johny Budiman Joycelin Joycelin Julia Rahayu Putri Julianto Julianto Junita Junita Kelvin Kelvin Kwek Kendri Setiawan Kristina Kristina Kwek, Kelvin Laurent Aranathasya Selay Leonardo Christofher Lindawati Lindawati Lusi Lusi Lydia Desrita Marcelino Marcelino Marthin, Ricko Maudy Febrianna Meillverrani Erline Mellitania Surya Mentari Indah Sari Michelle Selvia Liu Milenia Ong Mirza Salman Pahlavi Muhammad Taufik Ong, Milenia Putra, Edy Yulianto Ramadani, Arienda Gitty Rano Ardiansyah Ratih Anggraini Ratih Anggraini, Ratih Ricky Wijaya Rieza Melinda Rivaldo Fariadi Ivanda Robin Robin Salim, Silvia Satya Satya Selvia Eka Marliana Sepbianto Sepbianto Serina, Serina Shellin Shellin Shelvi Shelvi Sherry Sherry, Sherry Shirley Feblicia Silvy Gresia Stella Yosephine Suryati Suryati Susanti Susanti Suwandi Suwandi Syelen Syelen Tazkia, Putri Tri Anggi Astuti Valentina, Cindy Vanni Valentina Veronica Veronica Viviani Viviani Wandi, Yulfis Widiyanti, Riski Wijaya, Cynthia Anna Wily Wily Winardy, Jeffri Wisnu Yuwono Yandi Suprapto Yanni Yanni Yulfiswandi, Yulfiswandi