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All Journal CALYPTRA : Jurnal Ilmiah Mahasiswa Universitas Surabaya Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Syntax Literate: Jurnal Ilmiah Indonesia Journal of Economic, Bussines and Accounting (COSTING) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) JOURNAL OF BUSINESS STUDIES Journal of Global Business and Management Review International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ekuilnomi Jurnal Ekonomi Efektif Journal of Economics Development Issues Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Kajian, dan Terapan Teori SWAGATI: Journal of Community Service

Mintarti Ariani

Fakultas Bisnis Dan Ekonomika Surabaya, Raya Kalirungkut, Surabaya 60293

Author-ID : 2639685

Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS MINAT MENABUNG NASABAH DI BANK BCA SYARIAH CABANG SIDOARJO Nafisa Rismayanti; Sugeng Hariadi; Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 23 No. 2 (2019): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

The research was distributed by certain important factors to decide to save or invest. Clients also pay attention to service and savings products offered by the bank so that the customer would like to use it. Clients always want products that canmeet their needs, and asked the bank to provide the best service. Those factors are one of the things that affects the interests and needs of the behavior of customers. The purpose of this research is to know the influence of the quality of service, product quality, and profit sharing the results against the interest of saving the customer at BCA Bank Syariah in Sidoarjo. This research is quantitative descriptive research with survey method. The number of samples as many as 100 respondents, this research instrument in the form of an online questionnaire. Test instruments, test the classical assumptions, and test data analysis in this research using SPSS 20.00. The results of this study showed that the quality of service (????????), quality savings products (????????), and profit sharing (????????) jointly have a significant influence on relations and against the interest of saving the customer (Y) with the value F of 106.989 with the value significance of determination coefficients and 0.000 (????????) worth 0.763 (76.3%).

PENGARUH VARIABEL EKONOMI MAKRO TERHADAP PEMBIAYAAN PERBANKAN SYARIAH PERIODE 2010-2018 Mirza Zulfikar Hisbul Rachman; Mintarti Ariani; Eko Suwardyono
Jurnal Ekonomi dan Bisnis Vol. 24 No. 1 (2020): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

This study aims to identify the effect of remittances on economic growth. The objects used in this study are five ASEAN countries, namely Indonesia, Cambodia, the Philippines, Vietnam, and Thailand, for the period 2005 to 2016. There are other variables, namely gross fixed capital formation, household consumption expenditure, trade, and population growth which are used as control variable in this model. This study uses a quantitative approach and panel data methods. As a result, there are significant and negative effects on remittances: significant and positive effects on gross fixed capital formation, significant and positive effects on household consumption expenditures, significant and positive effects on trade, and significant and negative effects on population growth on economic growth in five countries. ASEAN.

ANALISIS PENGARUH DPK, NPL, DAN ROA TERHADAP PENYALURAN KREDIT BPR DI KABUPATEN KEDIRI PERIODE 2014-2018 Maria Eka Sihlestari; Henrycus Winarto; Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 24 No. 2 (2020): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Essentially, the bank is financial institution which has the function to raise funds from thecommunity in the form of deposits, and the channel it back to the community in the form of creditor other. Credits is the main activities performed by Bank Perkreditan Rakyat, because it will bemakes a profit. However, the presenting credits will also provide a lot of risks that must bereceived or experienced by the BPR, because the risks that will be received or experienced aresourced to credit. Therefore, this researh is purpose to analys the effect of DPK, NPL, and ROA,on parcial althought simultan in contribute BPR credits. This researh conducted is quantitativeapproach use data panel regression method, and the data obtained are secondary data.According to the results of regression, the variables DPK and ROA have a significant influenceon credit distribution. While, the NPL variable doesn’t have a significant influence on creditdistribution.

PENGARUH KUALITAS PENERAPAN GOOD CORPORATE GOVERNANCE TERHADAP KINERJA KEUANGAN BANK DEVISA PERIODE 2015 – 2019 Egi Marta Lilian; Mintarti Ariani; Sugeng Hariadi
Jurnal Ekonomi dan Bisnis Vol. 25 No. 1 (2021): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Penelitian ini memiliki tujuan untuk mengetahui pengaruh dari kualitas penerapan Good Corporate Governance terhadap kinerja keuangan bank. Data penelitian yang digunakan yaitu sebanyak 25 Bank Devisa dari laporan tahunan periode 2015-2019. Good Corporate Governance diukur menggunakan nilai skor komposit. Sampel penelitian yang digunakan adalah bank yang memiliki data secara lengkap laporan keuangan dan skor komposit. Analisis penelitian ini dilakukan secara dua tahap yakni data deskriptif seluruh sampel yang digunakan dan statistik data yang berdistribusi normal. Hasil penelitian ini menunjukan bahwa kualitas penerapan GCG tidak berpengaruh terhadap kinerja keuangan yang diproksikan menggunakan LDR, kualitas penerapan GCG berpengaruh terhadap kinerja keuangan yang diproksikan menggunakan ROA dan BOPO.

FLUKTUASI PENYALURAN KREDIT DI PT BANK MANDIRI TBK Cindy Ananda Putri; Sugeng Hariadi; Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 25 No. 2 (2021): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

PT Bank Mandiri tbk merupakan salah satu Bank BUMN di Indonesia. Sebagai lembaga perbankan yang bertugas dalam menghimpun serta menyalurkan dana kepada masyarakat dalam bentuk kredit, Bank Mandiri perlu menerapkan prinsip kehati-hatian dalam memberikan kredit kepada para debiturnya untuk menghindari adanya kredit macet yang akan berdampak pada kondisi kesehatan bank. Penelitian ini bertujuan untuk menganalisis pengaruh Gross Domestic Product (GDP), Inflasi, Dana Pihak Ketiga (DPK) dan Non Performing Loan (NPL) terhadap jumlah kredit yang diberikan oleh PT Bank Mandiri Tbk. Data penelitian ini bersumber dari Badan Pusat Statistik dan dari 13 laporan tahunan bank Mandiri periode 2008-2020. Metode perhitungan pada penelitian ini menggunakan metode ECM, metode OLS dan uji regresi linear berganda. Hasil penelitian menunjukkan bahwa Gross Domestic Product (GDP) dan Dana Pihak Ketiga (DPK) berpengaruh positif dan signifikan terhadap jumlah kredit PT Bank Mandiri Tbk yang berarti bahwa semakin besar tingkat GDP maka jumlah kredit Bank Mandiri akan semakin meningkat. Non Performing Loan (NPL) berpengaruh positif dan tidak signifikan terhadap jumlah kredit Bank Mandiri. Sedangkan Inflasi berpengaruh negatif dan tidak signifikan terhadap jumlah kredit Bank Mandiri.

ANALISIS POTENSIAL FINANCIAL DISTRESS PADA BANK UMUM KONVENSIONAL INDONESIA PERIODE 2018-2021 Mintarti Ariani
Jurnal Ekonomi dan Bisnis Vol. 26 No. 2 (2022): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

The financial sector is one sector that is always overshadowed by various potential risks. These risks need to be anticipated by banks. Failure to manage risk will affect the bank's financial condition, one of which will lead to potential financial distress. Therefore, the ability of conventional commercial banks is needed to predict the potential for financial distress. The more banks cannot predict the potential for financial distress, it will lead to bankruptcy. This study aims to analyze the Zmijewski model (X-Score) in order to predict financial distress in conventional commercial banks. The object of research is the 13 conventional commercial banks that get the highest rating score from Forbes. Forbes released The World's Best Banks in 2022 by determining the best bank in Indonesia. The variable in this study is to take the cut-off value presented in the Zmijewski model (X-score). The study uses a descriptive approach with secondary data types sourced from the annual financial statements of the Financial Services Authority (OJK) from 2018-2021. The results show that in the Zmijewski model, based on the average X-score, there are 3 conventional commercial banks that are detected as having the potential to experience financial distress. The 3 conventional commercial banks are Bank Jago, Bank Neo Commerce and May Bank. The potential for financial distress is reflected in the results of the profitability ratio (return to assets), which during the observation period there was a tendency to decrease, especially at Bank Jago with the profitability ratio always losing

Analisis Faktor-Faktor yang Mempengaruhi Minat Penggunaan Aplikasi Atome di Kalangan Mahasiswa Universitas Surabaya Andrea Anne Suharsono; Sugeng Hariadi; Mintarti Ariani
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 10 No 1 (2023): JMBI UNSRAT Volume 10 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v10i1.44286

The purpose of this study was to determine the influence of UTAUT 2 (performance expectancy, effort expectancy, social influence, facilitating condition, hedonic motivation, price value and habit) on intention to use of Atome among students at Surabaya University. This study used a quantitative approach and questionnaire data of 100 respondents. The method of analysis in this study uses SEM (Structural Equation Modeling) with SmartPLS version 3. The results of the research conducted show that effort expectancy, facilitating condition, hedonic motivation and habit have a positive and significant impact on intention to use of Atome, then performance expectancy, social influence and price value have no effect on intention to use of Atome.

Analisis Intention To Use Mobile Banking Pada Bank Mayora Novia Sarah Christyana BR Siahaan; Irzameingindra P Radjamin; mintarti ariani
Journal of Economics Development Issues Vol. 5 No. 2 (2022): Journal of Economics Development Issues
Publisher : Journal of Economics Development Issues

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jedi.v5i2.125

Service Quality, System Quality, and Trust on Intention to Use of Mayora Bank’s Mobile Banking in Surabaya. To calculate the sample, the Slovin formula was used. Questionnaires have been distributed among 100 customers of Bank Mayora Surabaya. The data has been analyzed using SPSS 22.0 in two segments. First, the questionnaires were tested in terms of Reliability and Validity using 30 data from 100 data samples. Then, the data were tested in a t-test, f-test, and did the classic assumption test. The result of this study showed that there was a positive impact between System Quality and Trust with the Intention to Use Mobile Banking of Mayora Bank in Surabaya. Moreover, this study found that there were negative impacts between Information and service Quality with the Intention to Use of Mayora Bank’s Mobile Banking. ABSTRAKKualitas Layanan, Kualitas Sistem, dan Kepercayaan atas Niat Penggunaan Mobile Banking Bank Mayora di Surabaya. Untuk menghitung sampel, digunakan rumus Slovin. Kuesioner ini telah disalurkan kepada 100 nasabah Bank Mayora Surabaya. Data telah dianalisis menggunakan SPSS 22.0 dalam dua segmen. Pertama, kuesioner diuji dalam hal Reliabilitas dan Validitas menggunakan 30 data dari 100 sampel data. Kemudian, data diuji dalam t-test, f-test dan melakukan tes asumsi klasik. Hasil penelitian ini menunjukkan bahwa terdapat dampak positif antara kualitas sistem dan Kepercayaan dengan niat menggunakan mobile banking Bank Mayora di Surabaya. Selain itu, penelitian ini menemukan bahwa ada dampak negatif antara Informasi dan Kualitas layanan dengan niat untuk menggunakan mobile banking Bank Mayora.

ANALISIS MINAT MASYARAKAT MUSLIM TERHADAP PERBANKAN SYARIAH DI SURABAYA Mardita, Candra Nola; Hariadi, Sugeng; Ariani, Mintarti
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 7 No 3 (2023): Edisi September - Desember 2023
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v7i3.3547

Penelitian ini menganalisis tentang minat masyarakat muslim terhadap perbankan Islam di Surabaya. Metode kualitatif triangulasi dilakukan secara purposive sampling melalui wawancara mendalam secara langsung kepada masyarakat di Surabaya, Indonesia. Jumlah responden sebanyak 8 orang yaitu, 2 pegawai dari bank syariah, 3 orang pengguna bank syariah, 3 orang pengguna bank konvensional. Hasil penelitian didapatkan beberapa alasan nasabah seperti, pertama alasan masyarakat muslim dalam menggunakan layanan dari bank syariah dari sudut pandang pegawai, produk bank syariah halal, tidak riba dan memiliki banyak promo. Selain itu pegawai bank syariah juga meenjelaskan tidak banyak kantor atau ATM yang tersedia, karena bank syariah melindungi dari transaksi-transaksi yang tidak halal. Kedua, alasan masyarakat muslim dalam menggunakan layanan dari bank syariah dari sudut pandang nasabah bank syariah, karena menjauhi riba. Selain itu bank syariah bebas biaya administrasi, menurut kedua responden tersebut dengan tidak adanya biaya administrasi disebut sangat menguntungkan nasabah karena tidak ada pengurangan saldo di ATM nasabah. Ketiga, alasan masyarakat muslim tidak menggunakan layanan bank syariah dari sudut pandang nasabah bank konvensional, masih banyaknya kantor dan mesin ATM bank konvensional. Keempat, alasan masyarakat muslim menggunakan bank syariah menurut teori faktor yang mempengaruhi keputusan pembelian (Zeithaml dan Bitner) dianalisis dengan menggunakan empat indikator yaitu, product, process, price, promotion menunjukkan hasil positif terutama untuk faktor produk. Faktor produk menjadi faktor dominan yang memperngaruhi keputusan masyarakat muslim menggunakan layanan bank syariah karena nasabah dapat banyak manfaat dari penggunaan bank syariah.

TRANSFORMASI PERILAKU KONSUMEN DI ERA DIGITAL: STUDI DAN IMPLIKASI UMKM SAMBAL DEDE SATOE Ratna Dewi, Margaretta; Setyaningrum, Idfi; Ariani, Mintarti; Bujangga Bagus Adi Pramana; Livia Theterissa
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 10 No 3 (2023): JMBI UNSRAT Volume 10 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v10i3.50505

Abstract. Productive endeavors owned by individuals or businesses within the micro, small, and medium-sized scope are referred to as micro, small, and medium enterprises (MSMEs). In the era of digitalization, MSMEs are compelled to adapt to digital technology in their business operations, as well as changes in business practices and consumer behavior. Sambal Dede Satoe is one of the MSMEs that was initiated in 2011, producing various types of chili sauce. It is essential to recognize changes in consumer behavior in the digital era. The purpose of this research is to understand how consumer behavior has changed for Sambal Dede Satoe and how online media is utilized to sustain its business. The research method employed is qualitative, using data triangulation for validity, with primary data obtained through questionnaires and secondary data from the Sambal Dede Satoe website. The research results indicate that there are four factors influencing the transformation of consumer behavior in the digital era: product information sources, product purchasing mechanisms, satisfaction levels, and sales levels. The implications of the transformation in consumer behavior necessitated Sambal Dede Satoe to make changes in various aspects of their business, particularly in digital marketing strategies, to enhance product sales and business sustainability. Abstrak. Usaha produktif yang dimiliki perorangan maupun badan usaha dengan lingkup mikro, kecil dan menengah disebut Usaha Mikro, Kecil, dan Menengah (UMKM). Pada era digitalisasi, UMKM dituntut beradaptasi terhadap teknologi digital dalam operasional usahanya, demikian pula cara berbisnis dan perilaku konsumen mengalami perubahan. Sambal Dede Satoe merupakan salah satu UMKM yang dirintis sejak tahun 2011 dengan produksi aneka sambal, perlu mengenali perubahan perilaku konsumen-nya di era digitalisasi. Tujuan penelitian ini adalah mengetahui bagaimana perubahan perilaku konsumen Sambal Dede Satoe serta pemanfaatan media online yang diterapkan guna mempertahankan bisnisnya. Metode penelitian yang digunakan adalah metode kualitatif dengan teknik keabsahan triangulasi data, sedangkan data yang digunakan adalah data primer melalui kuesioner serta data sekunder melalui website Sambal Dede Satoe. Hasil penelitian menunjukkan bahwa ada empat faktor yang mempengaruhi transformasi perilaku konsumen di era digital yaitu sumber informasi produk, mekanisme pembelian produk, tingkat kepuasan, dan tingkat penjualan. Implikasi dari transformasi perilaku konsumen yang terjadi menuntut Sambal Dede Satoe melakukan perubahan di berbagai aspek bisnis khususnya pada strategi pemasaran digital guna peningkatan penjualan produk dan keberlanjutan usaha.

Co-Authors Aldian Kresna N. Aluisius Hery Pratono Andhika, Muchammad Milladi Andrea Anne Suharsono Apriliani, Ernolita Kartika Bambang Budiarto Bambang Budiarto, Bambang Bujangga Bagus Adi Pramana Cindy Ananda Putri Costa Boreel, Jefri Thomi da Danny Herwanto Djumadi, Firman Rosjadi Djuwari Djuwari Egi Marta Lilian Eko Suwardyono Endah Sulastri Fanisyah Winda Amalia Firman Rosjadi Djoemadi Gunawan, Ferdinand Austin Hariadi, Sugeng Henrycus Winarto Herwanto, Danny Idfi Setyaningrum, Idfi Ilmiddina Afifah Irzameingindra P Radjamin Jefri Thomi da Costa Boreel Johansen Johansen Jonathan, Brian Joshi Maharani Wibowo Livia Theterissa Livia Theterissa Made Siti Sundari Mardita, Candra Nola Maria Eka Sihlestari Maulana, Irfan Apta Mirza Zulfikar Hisbul Rachman Mizchell Baby Amadea Muhammad Audi Rahmadani Handrawan NABILA CLAUDIA A. Nafisa Rismayanti Natania Wulandari Krisbiyanto Novia Sarah Christyana BR Siahaan Radjamin, Irzameingindra Putri Radjamin, Irzameingindra Putri Rajamin, Irza Meingindra Putri Ratna Dewi, Margaretta Rismayanti, Nafisa Rofiatun Solekha Saffa, Natasha Ardhia Salsabila, Unik Hanifah Seliy Kristiani Setiawan, Fahrul Hendrik Siswoyo, Alfian Sugeng Hariadi Sulastri, Endah Sundari, Made Siti Tahik, Paskalia Rulyani Tjipto, Michelle Caroline Wibowo, Joshi Maharani Wijaya, Callysta Natasha

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