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All Journal Economic Journal of Emerging Markets IPTEK Journal of Proceedings Series Jurnal Keuangan dan Perbankan Journal of Economics, Business, & Accountancy Ventura Journal of Business & Banking JPM17: Jurnal Pengabdian Masyarakat Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal EKUITAS (Jurnal Ekonomi dan Keuangan)
Rr. Iramani
Universitas Hayam Wuruk Perbanas
Arts Humanities Computer Science & IT Economics, Econometrics & Finance Social Sciences

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PERSEPSI RISIKO DAN KECENDERUNGAN RISIKO INVESTOR INDIVIDU Wiwik Lestari; Rr. Iramani Iramani
Jurnal Keuangan dan Perbankan Vol 17, No 1 (2013): January 2013
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (164.789 KB) | DOI: 10.26905/jkdp.v17i1.728

Abstract

The two important measurements of risks on behavioral point of view were risk perception and risk propensity.The two construct hypothesizes had negative relationship. This study attempted to establish a model by whichto measure those attitudes towards investment risk and also examined some variables that were postulated asexternal factors of investor investment decision. External factors were the availability of information, socialinteraction, financial adviser and familiarity. The data were collected on a survey research to 150 investors asrespondents in Surabaya area. By employing GeSCA, the result showed that risk propensity and risk perceptionhad negative correlation, supporting previous studies on this two variables relationship. This study alsoproved that external factor significantly affected risk perception and risk propensity
Provincial corruption and local development bank performance Murharsito Murharsito; Fitri Ella Fauziah; Emanuel Kristijadi; Rr. Iramani
Economic Journal of Emerging Markets Volume 9 Issue 1, 2017
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol9.iss1.art7

Abstract

This paper investigates the effect of provincial corruption on the performance of local development bank, specifically to the profitability and credit quality. We use the data of 26 local development banks in 2012 and 2013. For the provincial corruption measurement we use “Public Institution Openness Index”. Results of this study are first, corruption significantly has a negative effect on the profitability of local development bank. Second, corruption doesn’t affect the credit quality of local development bank. These results are expected to enrich the within country corruption effect to the economic studies, particularly to the local development bank which is infrequently investigated.
SME’s financial literacy: An overview based on demographic aspects Iramani Iramani; Tatik Suryani; Lindiawati Lindiawati
Journal of Economics, Business, & Accountancy Ventura Vol 20, No 3 (2017): December 2017 - March 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i3.1098

Abstract

This study attempts to examine the financial literacy level of SME’s owner in East Java based on demographic aspect. The sample was taken from 65 SME’s in East Java which produce prominent local product. The data were collected by using survey method and deep interview. They were analyzed using descriptive explorative and also cross tabulation for examining SME’s financial literacy based on demographic attribute. Research found that that the financial literacy score of SME’s owner in East Java is good enough, where they have average score 55.8 with the same score of median and mode 66.7. Majority weakness of SME’s owner is the literacy on SME understanding of net asset and insurance premium. Otherwise, whole SME’s owner is fully understood that financial knowledge is so useful for the SME. Other finding shows that there is a relationship between financial literacy’s level and SME’s owner on demographic aspect such as gender, education, the business time established. It can be concluded that demographic aspects determine the financial literacy level of SME’s owner
Studi Good Corporate Governance dan kinerja saham perusahaan publik pada sektor manufaktur di Indonesia Indhira Putri; Iramani Iramani
Journal of Business & Banking Vol 7, No 2 (2017): November 2017 - April 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i2.990

Abstract

This study aimed to examine the effect of Good Corporate Governance on manufac-turing companies. The researchers used the boards of the commissioner, managerial ownership, independent commissioner, and foreign ownership as Good Corporate Governance’s proxy on the performance of the stock. The independent variables con-sist of the boards of the commissioner, managerial ownership, independent commis-sioner, and foreign ownership. The performance of stock is used by using stock re-turn as measurement and dependent variable. The sample consists of manufacturing companies of the period of 2010-201. The hypothesis was tested by using multiple regressions linear. Simultaneously, the boards of commissioners, managerial owner-ship, independent commissioner, and foreign ownership significantly affect the per-formance of the stock. Partially, the boards of commissioner negative significantly affect the performance of the stock. In addition, the managerial ownership and inde-pendent commissioner do not significantly affect the performance of the stock. Yet, the foreign ownership positively and significantly affects the performance of the stock.
Pengaruh literasi keuangan terhadap kinerja umkm di Surabaya Anjar Faishal Amri; Iramani Iramani
Journal of Business & Banking Vol 8, No 1 (2018): Mei - Oktober 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i1.1522

Abstract

MSME is a form of business in Indonesia. This large number of businesses has a high influence on Indonesia. The main purpose was to determine the relationship between financial literacy on MSME performance in Surabaya City. The study was used 73 data MSME owners in Surabaya City. Cluster and purposive sampling techniques were used to select a sample. The data were collected using structured questionnaires. Validity and reliability techniques were also used to test the consistency of the indicators and analytical techniques. Descriptive statistics was used to analyze the data, and data were presented in the form of tables, fi gures, and percentages. Inferential statistics was also used to test hypotesis. The fi ndings are indicative of a signifi cant effect of bookkeeping literacy, debt literacy, and budgeting literacy on MSME performance. It is recommended that MSME owner to improve the ability make and manage cash management.
Pengaruh literasi keuangan, nilai pribadi dan sikap terhadap perencanaan keuangan keluarga di Surabaya Fakhriyah Arfianti Saputri; Iramani Iramani
Journal of Business & Banking Vol 9, No 1 (2019): Mei - Oktober 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i1.1523

Abstract

The purpose of this research is to determine the influence of financial literacy, personal values, and attitudes of family financial planning in Surabaya. Total of respondents from this research are 115 respondents with the criteria as a manager of family finances, and have a family income at least Rp. 4.000.000 / month, and domiciled in Surabaya city. The analysis technicall used in this research is multiple linear regression analysis. The results explain that financial literacy, personal values, and attitudes have a significant positive effect on family financial planning in Surabaya
Fluktuasi indeks harga saham industri jasa sektor property dan real estate dengan determinan faktor ekonomi makro Muhammad Fiqhuddin Jazuli; Iramani Iramani
Journal of Business & Banking Vol 7, No 1 (2017): Mei - Oktober 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i1.994

Abstract

Capital market have very important macroeconomic’s indicator for a country. The purpose of this study is to examine the effect of macroeconomic factors to the stock price index of property and real estate. In this study used purposive sampling method as determining the sample and multiple linear regression analysis. The result is in a whole inflation, interest rate, balance of payments, and Gross Domestic Product have significant effect to Stock Index Property and Real Estate Sector. Partially, inflation has a negative significant effect on the Stock Price Index, while interest rates, Balance of Payments and Gross Domestic Product have no effect.
Financial Literacy, Entrepreneurs Motivation, and Industrial Environment to Increase of SMEs Performance with a Competitive Strategy as Mediator: Theoritical Review Kenyo Puspito Rini; Iramani Iramani
IPTEK Journal of Proceedings Series No 1 (2020): The 1st International Conference on Business and Engineering Management (IConBEM)
Publisher : Institut Teknologi Sepuluh Nopember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12962/j23546026.y2020i1.8644

Abstract

SMEs or small and medium enterprises currently have a very important position not only in employment, and the welfare of the community in the region, in many cases SMEs can stabilize the problem of social inequality. Therefore, SMEs are required to have good performance. There is a basic theory about financial literacy theory that argues that the behavior of people with a high level of financial literacy might depend on the prevalence of the two thinking styles according to dual-process theories: intuition and cognition. This study aims to examine the influence of financial literacy, entrepreneur’s motivation, industrial environment, and competitive strategy on the performance of small and medium enterprises. By classifying the result of previous research, this research found some propositions: (1) financial literacy has a significant effect on the performance of SMEs (2) entrepreneur’s motivation significantly influences the performance of SMEs (3) industrial environment significantly influences the competitive strategy (4) competitive strategies significantly influence SME performance (5) industrial environment significantly influences the performance of SMEs. This study using Partial Least Square (PLS) technique to analyze the data. The proposition as the result studies can be investigated empirically
Pemberdayaan Ibu-Ibu Rumah Tangga untuk Meningkatkan Daya Saing Produk Opak Jepit Iramani Iramani; Tatik Suryani; Nurul Hasanah
JPM17: Jurnal Pengabdian Masyarakat Vol 3 No 01 (2018)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30996/jpm17.v3i01.1166

Abstract

The objective of community service that is held in Kedung Rukem Village, Gresik Regency is empowerment for community that produce opak jepit for enhancing their production capacity. In addition, it is also directed to give training for mitra to perfome both income and expense records in order to enable to count their cost of good manufactured and gained profits. The methodology applied in this community service was training and mentoring. The target participants are  womens who produce opak jepit and promote their products which are under nine micro small medium enterprises (MSMEs). The materials given in the training covers community empowerment through Community Partnership Program (PKM), implementation of appropriate technology (TTG) to enhance both production capacity and product quality, improvement of entrepreneurial spirit, and easy way to determine cost of good manufactured and peforming financial recording. Meanwhile, mentoring was done by visiting one by one of MSMEs and delivering guidance in operating machine, how to pack an interesting product and assisting to make income and expense records (cash flow) so that it can be known the profit gained by business womens of opak jepit. The result of this community service is improvement of sales because of product capacity improvement, product quality improvement in terms of packaging and skill in compiling income and expense records.   Keywords : TTG,  production capacity,  product quality, simple-financial-reporting 
KUALITAS LAYANAN DAN TATA KELOLA INTERNET BANKING DARI PERSEPSI NASABAH Ronny Ronny; Tatik Suryani; Iramani Iramani
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 20 No 2 (2016)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.057 KB) | DOI: 10.24034/j25485024.y2016.v20.i2.57

Abstract

Bank dituntut untuk meningkatkan kualitas layanan bagi nasabah, termasuk layanan Internet Banking. Banyak model kualitas layanan menunjukkan beragamnya variabel dalam dimensi kualitas layanan untuk penelitian internet banking. Pada penelitian ini, dimensi kualitas layanan mengcakup 6 variabel terdiri atas Manfaat, Kemudahan, Keamanan, Efisiensi, Responsif, Kemampuan Fisik. Sebanyak 258 Responden telah dikumpulkan datanya dan dianalisis menggunakan regresi linear dan pendekatan analisis domain, diperoleh hasil penelitian bahwa Manfaat,  Efisiensi, dan Kemampuan Fisik  berpengaruh  parsial signifikan positif terhadap Adopsi Internet Banking pada pengguna Internet Banking. Nasabah mempersepsikan bahwa perlunya Bank memperhatikan peningkatan adopsi internet banking dengan memperhatikan aspek keamanan, ketersediaan fitur, komunikasi, kemudahan, dan jaminan. Nasabah mempersepsikan Manfaat menggunakan internet banking adalah layanan internet banking yang aman, tersedia fitur transaksi sesuai kebutuhan nasabah, web bank yang mudah dipelajari dan digunakan. Penyelenggaraan internet banking yang baik memerlukan daya tanggap (responsif) yang tinggi dengan akses web bank yang cepat, dukungan layanan call center 24 jam tiap hari, penyelesaian masalah layanan internet banking dalam waktu yang dapat dipastikan, kompetensi petugas bank dengan pengetahuan yang memadai tentang internet banking.
Co-Authors Anjar Faishal Amri Emanuel Kristijadi Fakhriyah Arfianti Saputri Fitri Ella Fauziah Indhira Putri Kenyo Puspito Rini laqma dica fitrani Lindiawati Lindiawati Moch. Anang Karyawan Mohammad Al Hafidz Muhammad Fiqhuddin Jazuli Murharsito Murharsito Nurul Hasanah Ronny Ronny Tatik Suryani Tatik Suryani Tatik Suryani Wiwik Lestari