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All Journal Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Kalbisocio: Jurnal Bisnis dan Komunikasi Journal of Comprehensive Science Jurnal Keuangan dan Perbankan JURNAL ILMIAH GEMA PERENCANA Jurnal Inovasi Global Jurnal Multidisiplin Indonesia
Budhijana, R. Bambang
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Pengaruh Financial Slack, Free Cash Flow, dan Firm Size Terhadap Corporate Social Responsibility Expenditure (CSRE) Pada Perusahaan LQ 45 Putri Pawitan, Latifa; Saleh Sadikin, Dikdik; Budhijana, R. Bambang
Jurnal Keuangan dan Perbankan Vol. 20 No. 2 (2024): Jurnal Keuangan Dan Perbankan, Volume 20 No. 2, Juni 2024
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jkp.v20i2.525

Abstract

This study aims to determine the relationship between financial slack, free cash flow, and firm size on corporate social responsibility expenditure. This study uses data from companies listed on the LQ 45 index on the Indonesia Stock Exchange. The sampling technique in this study used a purposive sampling technique with predetermined criteria. The research method used in this research is a linear regression analysis technique using Eviews 10 software. The results of this study show that simultaneously financial slack, free cash flow and firm size have a significant effect on CSR expenditure. Partially, financial slack has no effect on CSR expenditure, free cash flow has a positive effect on CSR expenditure, and company size has a negative effect on CSR expenditure. Meanwhile, firm age as a control variable in this study has no effect on CSR expenditure.
Pengaruh Budget Participation, Asimetri Informasi Dan Budget Emphasis Terhadap Budget Slack Pada PT Wijaya Karya (Persero) Tbk Alifah, Andi Audy Noor; Sadikin, Dikdik Saleh; Budhijana, R. Bambang
Jurnal Keuangan dan Perbankan Vol. 21 No. 1 (2024): Jurnal Keuangan Dan Perbankan, Volume 21 No. 1, Desember 2024
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jkp.v21i1.592

Abstract

This research aims to determine the influence of Budget Participation, Information Asymmetry and budget emphasis on budget slack at PT. Wijaya Karya (Persero) Tbk. The independent variables in this research are Budget Participation, Information Asymmetry and budget emphasis. Meanwhile, the dependent variable is budget slack. The analysis technique for this research uses the PLS or Partial Least Square SmartPLS 4 method. The data collection technique uses a Google Form questionnaire to collect the required information. The results of the number of respondents were 73 employees of PT. Wijaya Karya (Persero) Tbk. The results of the analysis show that Budget Participation has a positive effect on budget slack, information asymmetry has no effect on budget slack, Budget emphasis has no effect on budget slack..
Strategi Penguatan Persepsi Nasabah: Pengaruh CRM Terhadap Kualitas Hubungan dan Customer Lifetime Value di PT. Bank Mandiri (Persero), Tbk Area Jakarta Tebet Supomo Brando, Alan; Sadikin, Dikdik Saleh; Andriani, Meta; Budhijana, R. Bambang
Jurnal Keuangan dan Perbankan Vol. 21 No. 2 (2025): Jurnal Keuangan Dan Perbankan, Volume 21 No. 2, Juni 2025
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jkp.v21i2.652

Abstract

Customer Relationship Management (CRM) is a conceptual paradigm on marketing management perspective that refer to practical series on the implementation of a strategic processes which aimed to improve the relationship quality with customers. Based on bank’s perspective, this paradigm has a significant role to establis long term profitability. The main purpose of this paradigm is to make customer’s loyalty which loyalty is the main problem of bank’s performance growth. The aim of this study is the implementation of CRM at Bank Mandiri in forming customer value which is reflected on historically of Bank Mandiri’s CES, CSAT, NPS, and SES Value. The method used in this study is random sampling method where customers were selected to answer the staements in questionnaire. The analyctical methods that used in this study is Structural Equation Modeling to test the direct effect and indirect effect for each variables. The result of this study show that the Customer Relationship Management has a positive and significant effect on Relationship Quality and Customer Lifetime Value, direct or indirect effect. The result of this study have implication for management, practitioners and academics that bank’s has to improve the capabilities of ther implementation of CRM to increase the relationship quality with customer to improve the customer lifetime value. Keywords: Customer Relationship Management, Relationship Quality, Customer Lifetime Value
Pengaruh Kepercayaan Seluler dan Kepuasan Seluler terhadap Electronic Word of Mouth dan Niat Penggunaan E-Wallet di Provinsi Jawa Barat Budhijana, R. Bambang
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 2 (2025): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i2.321

Abstract

The rapid growth of digital financial services has transformed consumers’ payment behavior from cash-based transactions to mobile-based systems, making e-wallet adoption increasingly important in Indonesia’s digital economy. This study aims to analyse the influence of Mobile Trust and Mobile Satisfaction on Electronic Word of Mouth (E-WOM) and the Intention to Use e-wallet application.  The method used was quantitative, with data collected through a g-form questionnaire survey involving 100 respondents from Generation Z aged 19 to 23 years in West Java Province. Measurements are made on a Likert scale of 1-6 to eliminate choices that lead to a central tendency.  Processing is carried out with SmartPLS4.0. The results of the processing showed that Mobile Trust could be concluded to have a positive and significant impact on E-WOM, while Mobile Satisfaction did not show a significant effect. On the other hand, Perceived Risk was found to have a positive influence on the Intention to Use e-wallet, while Security significantly affected the E-WOM but did not affect the Intention to Use the e-wallet. This research emphasizes the importance of user trust in influencing decisions to share positive information about digital services. These findings provide insights for e-wallet providers to develop more effective marketing development strategies, with a focus on improving Mobile Trust and service security.
Analisis Faktor-Faktor Internal yang Berpengaruh Terhadap Pertumbuhan Kredit (Studi Kasus Pada PT. Bank Pembangunan Daerah Papua Periode 2009 – 2024) Toban, Omilka; Budhijana, R. Bambang; Haryanti, Enny; Pracoyo, Antyo
Journal of Comprehensive Science Vol. 5 No. 3 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i3.4106

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor internal terhadap pertumbuhan kredit pada PT Bank Pembangunan Daerah Papua (Bank Papua) selama periode 2009–2024. Faktor internal yang dianalisis meliputi Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), serta Pemanfaatan Teknologi. Pertumbuhan kredit digunakan sebagai variabel dependen dalam penelitian ini. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linear berganda. Data yang digunakan merupakan data sekunder berupa laporan keuangan tahunan Bank Papua selama periode pengamatan. Sebelum dilakukan pengujian hipotesis, data dianalisis menggunakan statistik deskriptif dan diuji dengan uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi. Hasil penelitian menunjukkan bahwa secara parsial Loan to Deposit Ratio (LDR), dan Pemanfaatan Teknologi berpengaruh positif signifikan terhadap pertumbuhan kredit. Sementara itu, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap pertumbuhan kredit. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap pertumbuhan kredit Bank Papua.
Pengaruh Transformasi Digital, Kompetensi Digital, Reskilling Dan Budaya Digital Terhadap Kinerja Karyawan (Studi Pada Bank Tabungan Negara Cabang Jayapura) Karubaba, Simson Hendrick; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/r3cnn753

Abstract

Abstract: This study aims to analyze the variables that influence employee performance at PT Bank Tabungan Negara (Persero) Tbk, Jayapura branch. The endogenous variables used in this study are employee performance, while the endogenous variables are Digital Transformation, Digital Competence, Reskilling, and Digital Culture. This study used a sample of 82 respondents who were permanent employees at the company. The analytical method used in this study was quantitative data analysis. The data processing technique used in this study was Structural Equation Modeling using the SmartPLS 4.0 application. The results of this study indicate that the variables Digital Transformation, Digital Competence, and Digital Culture have a positive effect on employee performance, while the results for the Reskilling variable have no effect on employee performance.  Keywords: Digital Transformation, Digital Competence, Reskilling, Digital Culture and Employee Performance.   Abstrak : Penelitian Penelitian ini bertujuan untuk menganalisis variabel-variabel yang mempunyai pengaruh terhadap kinerja karyawan pada PT Bank Tabungan Negara (Persero) Tbk cabang Jayapura. Variabel endogen yang digunakan dalam penelitian ini adalah kinerja karyawan dan variabel endogen menggunakan Transformasi Digital, Kompetensi Digital, Reskilling dan Budaya Digital. Penelitian ini menggunakan jumlah sampel sebanyak 82 responden yang merupakan karyawan tetap pada perusahaan. Metode analisis yang digunakan didalam penelitian ini adalah menggunakan metode analisis data kuantitatif. Teknik pengolahan data yang digunakan pada penelitian ini adalah dengan metode Struktur Equation Modelling menggunakan aplikasi SmartPLS 4.0. Hasil dari penelitian ini menunjukkan bahwa variabel Transformasi Digital, Kompetensi Digital dan Budaya Digital berpengaruh secara positif terhadap kinerja karyawan, sedangkan hasil pada variabel Reskilling tidak berpengaruh terhadap kinerja karyawan. 
Understanding the Drivers of Turnover Intention: A Study of Workload, Work Environment, Job Satisfaction, and Job Insecurity at PT Bank Papua Imbenai, Yunike Oktovina; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The high employee turnover intention poses a serious challenge in retaining quality human resources at PT Bank Pembangunan Daerah Papua. This phenomenon is triggered by several factors, including excessive workload, unsupportive work environment, low job satisfaction, and perceptions of job insecurity among employees. This study aims to analyze the influence of workload, work environment, job satisfaction, and job insecurity on employee turnover intention. The method used in this study is quantitative with a descriptive-verificative approach. The population in this study consists of all permanent employees of PT Bank Pembangunan Daerah Papua, and the sample is determined through purposive sampling with 100 respondents. Data collection is conducted through questionnaires, and data analysis uses Partial Least Square Structural Equation Modeling (PLS SEM). The results show that workload and job insecurity have a significant positive effect on turnover intention, while work environment and job satisfaction have a significant negative effect. This means that the heavier the workload and the higher the job insecurity, the greater the employee's desire to leave. Conversely, a conducive work environment and high job satisfaction can reduce turnover intention. This research emphasizes the importance of management in fairly managing workload, enhancing job security, fostering a positive work atmosphere, and prioritizing employee welfare as part of retention strategies.
The Effect of Consumer Credit, Performance Allowances, Work Discipline, and Work Environment on The Performance of Civil Servants in Ternate City Thenu, Junet; Budhijana, R. Bambang
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the influence of Consumptive Credit, Performance Allowance, Work Discipline, and Work Environment on the Performance of Civil Servants (PNS) in Ternate City. Using a quantitative approach with 102 respondents through purposive sampling and PLS-SEM analysis assisted by SmartPLS 4.1.1.6. The results indicate that consumptive credit, work discipline, and work environment have a positive and significant effect on civil servant performance. In contrast, performance allowance shows no significant effect, indicating that the incentive system has not been functioning effectively. This study recommends merit-based allowance reform as well as strengthening discipline and work environment to improve the quality of regional bureaucracy.
Pengaruh Brand Awareness, Customer Trust, Perceived Value, dan Digital Marketing Terhadap Keputusan Pembelian Melalui Peran Customer Engagement Pada Asuransi Umum di PT. Jasa Andalan Solusi Pasaribu, Agustina; Budhijana, R. Bambang; Haryanti, Enny; Pracoyo , Antyo
Jurnal Inovasi Global Vol. 4 No. 4 (2026): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v4i4.532

Abstract

Penelitian ini bertujuan menganalisis pengaruh brand awareness, customer trust, perceived value, dan digital marketing terhadap purchase decision produk Asuransi Sinarmas melalui PT Jasa Andalan Solusi (PT JAS), dengan customer engagement sebagai variabel mediasi. Studi ini menggunakan pendekatan kuantitatif cross-sectional dengan teknik purposive sampling terhadap 80 responden, serta dianalisis menggunakan SEM-PLS. Hasil penelitian menunjukkan bahwa brand awareness, customer trust, perceived value, dan digital marketing berpengaruh positif dan signifikan terhadap purchase decision. Selain itu, seluruh variabel independen juga berpengaruh signifikan terhadap customer engagement. Customer engagement terbukti berpengaruh positif terhadap purchase decision serta memediasi hubungan customer trust dan digital marketing terhadap purchase decision. Namun, customer engagement tidak memediasi pengaruh brand awareness dan perceived value terhadap purchase decision. Temuan ini menegaskan bahwa keputusan pembelian asuransi dipengaruhi oleh faktor kognitif, relasional, dan digital secara simultan, dengan engagement berperan sebagai mekanisme psikologis dalam memperkuat konversi pembelian.
Integrating ISSM, TAM, and Task-Technology Fit to Explain Trust Formation In Mobile Banking: Evidence from Islamic Banking Suharto, M. A.; Simatupang, Batara Maju; Budhijana, R. Bambang; Pracoyo, Antyo
Jurnal Multidisiplin Indonesia Vol. 5 No. 4 (2026): (2026): Jurnal Multidisiplin Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jmi.v5i4.2676

Abstract

This study investigates the determinants of customer trust in mobile banking within the context of Islamic banking by integrating three major theoretical frameworks: the Information Systems Success Model (ISSM), the Technology Acceptance Model (TAM), and the Task-Technology Fit (TTF). A quantitative approach was employed using survey data collected from 348 respondents, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that system quality, information quality, service quality, task characteristics, structural assurance, perceived usefulness, and perceived ease of use all have significant effects on trust. Among these factors, task characteristics emerge as the most dominant determinant, highlighting the critical role of aligning system functionalities with users' transactional needs. This study contributes to the literature by proposing an integrative framework that explains trust formation as a multidimensional construct shaped by the interaction of technological performance, user perception, and functional alignment. The findings extend prior research by demonstrating that trust is more strongly influenced by task-technology fit than by purely technical or institutional factors. Practically, the results suggest that banking institutions should prioritize user-centered design, real-time information accuracy, and responsive digital services to enhance trust in mobile banking. This study provides both theoretical advancement and actionable insights for improving digital banking strategies in Islamic financial institutions.
Co-Authors Agustina Pasaribu, Agustina Alifah, Andi Audy Noor Andriani, Meta Brando, Alan Haryanti, Enny Imbenai, Yunike Oktovina Karubaba, Simson Hendrick Pracoyo , Antyo Pracoyo, Antyo Putri Pawitan, Latifa Sadikin, Dikdik Saleh Saleh Sadikin, Dikdik Simatupang, Batara Maju Suharto, M. A. Thenu, Junet Toban, Omilka