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IMPLEMENTASI DIGITAL MARKETING UNTUK MENINGKATKAN KEPUASAN NASABAH DAN BERDAMPAK PADA CITRA LEMBAGA PERBANKAN Andi Sukandi; Nunung Ayu Sofiati (Efi); Yoyo Sudaryo
Sosiohumaniora Vol 21, No 3 (2019): SOSIOHUMANIORA, NOPEMBER 2019
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4128.902 KB) | DOI: 10.24198/sosiohumaniora.v21i3.23591

Abstract

Teknologi digital di era diglobal saat ini telah merambah pada dunia pemasaran yang dikenal dengan digital marketing.Berbagai cara dapat dilakukan dalam kampanye pemasaran diera digital saat ini, seperti lewat website, blog, email marketing serta media sosial. Penelitian ini bertujuan untuk menganalisis dampak dari pemasaran digital yang dilakukan oleh perusahaan terhadap tingkat kepuasan yang dirasakan oleh nasabah serta corporate image yang dihasilkan oleh lembaga perbankan dari dilakukannya pemasaran digital, sampel kuesioner yang digunakan adalah komsumen lembaga perbankkan PT. Bank Negara Indonesia (BNI). Metode yang digunakan adalah survey deskriptif dan eksplanatori, sedangkan metode analisisnya mengunakan structural equation model (SEM). Penelitian menunjukkan bahwa implementasi digital marketing pada PT. BNI, dengan variabel Website enggagemen, Sosial Enggagement, clik trough rate, convertion rate serta duration. Masuk dalam kategori cukup baik, kepuasan nasabah masuk dalam kategori puas, citra lembaga perbankan PT. BNI, masuk dalam kategori tinggi. Serta menunjukkan bahwa digital marketing berdampak terhadap kepuasan nasabah dan image lembaga perbankan, kepuasan yang dirasakan oleh konsumen lembaga keuangan berpengaruh terhadap citra perusahaan, digital marketing berpengaruh terhadap tingkat kepuasan yang dirasakan oleh nasabah serta berakibat pada kesan atau citra lembaga keuangan nasional pada PT. BNI . 
PENGARUH IMPLEMENTASI DIGITAL MARKETING TERHADAP CITRA PERBANKAN DENGAN KEPUASAN NASABAH SEBAGAI VARIABLE INTERVENING (Suatu Survey Pada PT. Bank Mandiri (Persero), Tbk) Nunung Ayu Sofiati (Efi); Yoyo Sudaryo; Thessa Tri Astuty; Andi Sukandi
Sosiohumaniora Vol 24, No 1 (2022): Sosiohumaniora: Jurnal Ilmu-Ilmu Sosial dan Humaniora, MARCH 2022
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/sosiohumaniora.v24i1.23594

Abstract

Perkembangan teknologi saat ini dapat memudahkan masyarakat untuk memperoleh informasi serta mendapatkan barang dan jasa. Untuk mencapai tujuan perusahaan, PT. Bank Mandiri (Persero)Tbk harus meningkatkan nilai perusahaan salah satu caranya dengan cara melakukan promosi melalui situs website dan juga media sosial. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh implementasi pemasaran digital terhadap Citra Perbankan melalui kepuasan nasabah. Teknik sampling menggunakan simple random sampling dengan menggunakan 140 responden. Metode analisis penelitian ini menggunakan analisis data multivariate dengan tool analisis structural equation modelling. Berdasarkan hasil analisis data ditemukan nasabah pada PT. Bank Mandiri (Persero), telah merasa puas dan Citra Bank PT. Bank Mandiri (Persero) yang telah dipersepsikan dengan baik. Serta implementasi digital Marketing yang dilakukan berpengaruh tehadap Kepuasan Nasabah dan berpengaruh tehadap Citra Bank PT. Bank Mandiri (Persero).
Pengaruh Likuiditas, Profitabilitas, Leverage, Ukuran Perusahaan Dan Tingkat Suku Bunga Terhadap Kondisi Financial Distress Pada 12 Perusahaan Manufaktur Yang Terdaftar Di Bursa Efek Indonesia (Periode 2012-2018) Yoyo Sudaryo; Dyah Purnamasari; Nunung Ayu Sofiati; Ana Hadiana
Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen Vol 1 No 2 (2019): Agustus 2019
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (135.73 KB) | DOI: 10.37577/ekonam.v1i2.214

Abstract

ABSTRACT: Financial distress is a condition in which the company's financial condition is in an unhealthy state, but has not yet experienced bankruptcy. In Indonesia, several manufacturing companies experience financial instability, manufacturing profits tend to fluctuate, and some companies even experience negative operating income in 2010-2016. Financial distress has a great influence where not only the company will suffer losses but also the stakeholders. One way to predict financial distress is by analyzing financial ratios. This study aims to analyze the effect of liquidity, profitability, leverage, company size and interest rates on financial distress. This study uses quantitative research methods that have the characteristics associated with numerical and objective. The independent variables in this study are Liquidity (X1), Profitability (X2), Leverage (X3), Company Size (X4), and Interest Rate (X5) and the dependent variable in this study is Financial Distress (Y). The scale used is the ratio and nominal scale. The results of research and discussion show that in partial testing (t test), obtained from the tcount for Liquidity (CR) of 4.324 and the tcount for Profitability (ROA) of 2.441 is greater than the table of 1.989. And the tcount for Company Size is -4,059 smaller than the table value of -1,989. As for the variable Leverage (DAR) and Interest Rates, it has no effect on Financial Distress. The assessment is obtained from the tcount for Leverage (DAR) of -0.350 and the tcount for the Interest Rate of 1.080 is smaller than the table of 1.989. Whereas in simultaneous testing (F test) Liquidity (CR), Profitability (ROA), Leverage (DAR), Company Size and Interest Rates simultaneously affect the Financial Distress. The coefficient of determination obtained by 48.8%, while the remaining 51.2% is influenced by other factors that are ignored by the authors in this study.
PENGARUH SALES GROWTH (SG), CURRENT RATIO (CR), DEBT TO EQUITY RATIO (DER), TOTAL ASSETS TURN OVER (TATO), RETURN ON ASSETS (ROA) TERHADAP PRICE TO BOOK VALUE (PBV) (Studi Pada PT Indofarma Tbk. Yang Terdaftar Di BEI Periode 2012-2019) Yoyo Sudaryo; Dyah Purnamasari; Nunung Ayu Sofiati; Astrin Kusumawardani
Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen Vol 2 No 1 (2020): Februari 2020
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (603.908 KB) | DOI: 10.37577/ekonam.v2i1.228

Abstract

ABSTRACT: Investors' consideration in investing, one of which is a high Company Value, where the value of one company is measured by Price to Book Value (PBV). Likewise, PT Indofarma Tbk, a company that was the subject of research, in the 2012-2019 period, the value of the company tended to increase, which was thought to be caused by Sales Growth (SG), Current Ratio (CR), Debt To Equity Ratio (DER) variables, Total Assets Turn Over (TATO), Return On Assets (ROA). The purpose of this study was to determine the Effect of Sales Growth (SG), Current Ratio (CR), Debt to Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA) to Price to Book Value (PBV). The method used is descriptive and verification methods. With secondary data type sourced from www.idx.co.id. Analysis techniques used to answer the problem formulation of Sales Growth (SG), Current Ratio (CR), Debt to Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA) and Price to Book Value (PBV) using descriptive analysis and correlation analysis (R). The results showed that: 1) Average PBV value 8.33 times, 2) Average value of SG 5.13%, 3) Average value of CR 140.94%, 4) Average value of 127.73% DER, 5) Average value average TATO 1.14%, 6) Average ROA value of 0.14%. Based on a partial verification analysis 7) SG has a negative and not significant effect on PBV with a correlation value of -0.563, 8) CR has a negative and insignificant effect on PBV with a correlation value of -0,660, 9) DER has no significant positive effect on PBV with a correlation value of 0.141, 10) TATO has a significant negative effect on PBV with a correlation value of -0.233, 11) ROA has no significant positive effect on PBV with a correlation value of 0.055. Based on simultaneous verification analysis 12) Sales Growth (SG), Current Ratio (CR), Debt to Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA) have a not significant positive effect on Price to Book Value (PBV) with a correlation value of 0.643. Keywords: Price to Book Value (PBV), Sales Growth (SG), Current Ratio (CR), Debt to Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA) ABSTRAK: Pertimbangan investor dalam melakukan investasi, salah satunya adalah Nilai Perusahaan yang tinggi, dimana nilai perusahaan yang salah satunya diukur dengan Price to Book Value (PBV). Demikian pula dengan PT Indofarma Tbk perusahaan yang menjadi subjek penelitian dimana pada periode 2012-2019 nilai perusahaannya cenderung meningkat yang diduga disebabkan oleh variabel Sales Growth (SG), Current Ratio (CR), Debt To Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA). Tujuan penelitian ini untuk mengetahui Pengaruh Sales Growth (SG), Current Ratio (CR), Debt To Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA) terhadap Price to Book Value (PBV). Metode yang digunakan adalah metode deskriptif dan verifikatif. Dengan jenis data sekunder yang bersumber dari www.idx.co.id. Teknik analisis yang digunakan untuk menjawab rumusan masalah Sales Growth (SG), Current Ratio (CR), Debt To Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA) dan Price to Book Value (PBV) menggunakan analisis deskriptif dan analisis korelasi (R). Hasil penelitian menunjukan bahwa : 1) Nilai Rata-rata PBV 8.33 Kali, 2) Nilai Rata-rata SG 5.13%, 3) Nilai Rata-rata CR 140.94%, 4) Nilai Rata-rata DER 127.73%, 5) Nilai Rata-rata TATO 1.14%, 6) Nilai Rata-rata ROA 0.14%. Berdasarkan analisis verifikatif secara pasrsial 7) SG berpengaruh negatif dan tidak signifikan terhadap PBV dengan nilai korelasi -0,563, 8) CR berpengaruh negatif dan tidak signifikan terhadap PBV dengan nilai korelasi -0,660, 9) DER berpengaruh positif tidak signifikan terhadap PBV dengan nilai korelasi 0,141, 10) TATO berpengaruh negatif tidak siginifikan terhadapm PBV dengan nilai korelasi -0,233, 11) ROA berpengaruh positif tidak signifikan terhadap PBV dengan nilai korelasi 0,055. Berdasarkan analisis verifikatif secara simultan 12) Sales Growth (SG), Current Ratio (CR), Debt To Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA) berpengaruh positif tidak signifikan terhadap Price to Book Value (PBV) dengan nilai korelasi 0,643. Kata Kunci : Price to Book Value (PBV), Sales Growth (SG), Current Ratio (CR), Debt To Equity Ratio (DER), Total Assets Turn Over (TATO), Return On Assets (ROA)
PENGARUH TAX RETENTION RATE (TRR), BOOK TAX DIFFERENCES (BTD) DAN EFFECTIVE TAX RATE (ETR) TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN PROPERTI DAN REAL ESTATE YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2015-2019 Yoyo Sudaryo; Dyah Purnamasari; Nunung Ayu Sofiati; Astrin Kusumawardani; Tjipto Sajekti
Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen Vol 2 No 2 (2020): Agustus 2020
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (625.459 KB) | DOI: 10.37577/ekonam.v2i2.289

Abstract

ABSTRACT; One of the measurement of company performance is financial performance. Financial performance is a formal effort that has been made by a company that can measure the company's success in generating profits. Profit is the simplest measure to assess a company's financial performance. Financial performance will also provide an overview of the efficiency of the use of funds regarding the results of obtaining profits, which can be seen after comparing net income after tax. Taxes are costs that must be incurred by the company. Therefore, companies through management always strive to minimize taxes and this effort is often referred to as tax planning. This study aims to examine the effect of tax retention rate (TRR), book tax differences (BTD) and effective tax rate (ETR) on financial performance by using a proxy measure of Net Profit Margin (NPM). The method used in this research is descriptive verification with a quantitative approach. The data used is secondary data, data collection is done through documentation and literature research on property and real estate companies listed on the Indonesia Stock Exchange in 2012-2016 with a population of 46 companies. The number of samples in this study were 18 companies which were determined using purposive sampling. Data analysis to answer the problem formulation used: descriptive analysis, inferential statistics, classical assumption test, multiple linear regression test, correlation coefficient test, determination coefficient test, and hypothesis testing using partial test (t test) and simultaneous test (f test). Data processing using the SPSS application. Based on the results of the research on the t test, it was found that TRR had a positive effect on financial performance where the tcount value of 2.773 was greater than the t table of 1.987. BTD has a positive effect on financial performance where the tcount value of 3.784 is greater than the t table of 1.987.ETR has a positive effect on financial performance where the tcount of 2.627 is greater than the t table of 1.987. Based on the results of the research on the f test, it was found that TRR, BTD, ETR had a significant effect on financial performance where Fcount was greater than 6.770 was greater than F table 3.10. Keywords: Tax Retention Rate, Book Tax Differences, Effective Tax Rate, Financial Performance
DAMPAK PROFITABILITAS, RASIO LIKUIDITAS DAN RASIO LEVERAGE TERHADAP FINANCIAL DISTRESS (STUDI PADA PERUSAHAAN JASA SUB SEKTOR PROPERTY DAN REAL ESTATE DI INDONESIA Yoyo Sudaryo; Nunung Ayu Sofiati; Ita Kumaratih; Astrin Kusumawardani; Ana Hadiana; Wiara Sanchia Grafita Ryana Devi
Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen Vol 3 No 2 (2021): Agustus 2021
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (367.368 KB) | DOI: 10.37577/ekonam.v3i2.337

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Financial distress starts from the company's inability to fulfill its obligations. Companies that have consecutively decreased, the company was in financial distress before the bankruptcy occurred. The purpose of this study was to determine the effect of profitability ratios, activity ratios and leverage ratios on financial distress in property and real estate sub-sector service companies listed on the Indonesia Stock Exchange (BEI) the research method used is a quantitative method with descriptive and verification approaches, quantitative research methods are research methods used to examine a particular population or sample. Descriptive research method is used to determine the value of the independent variable, while verification is used to determine the effect of two or more variables. The results of the t test of the Profitability Ratio have an effect on Financial Distress, and the Activity Ratio has no effect on Financial Distress, the Leverage Ratio has an effect on Financial Distress. Based on the results of the f test, it shows that the profitability ratio, activity ratio and leverage ratio simultaneously (together) have a significant effect on financial distress. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh rasio profitabilitas, rasio aktivitas dan rasio leverage terhadap financial distress pada perusahaan jasa sub sektor properti dan real estate yang terdaftar di Bursa Efek Indonesia (BEI). Metode penelitian yang digunakan adalah metode kuantitatif dengan pendekatan deskriptif dan verifikatif, metode penelitian kuantitatif adalah metode penelitian yang digunakan untuk meneliti suatu populasi atau sampel tertentu. Metode penelitian deskriptif digunakan untuk mengetahui nilai variabel bebas, sedangkan verifikatif digunakan untuk mengetahui pengaruh dua variabel atau lebih. Hasil uji t Rasio Profitabilitas berpengaruh terhadap Kesulitan Keuangan, dan Rasio Aktivitas tidak berpengaruh terhadap Kesulitan Keuangan, Rasio Leverage berpengaruh terhadap Kesulitan Keuangan. Berdasarkan hasil uji f menunjukkan bahwa rasio profitabilitas, rasio aktivitas dan rasio leverage secara simultan (bersama-sama) berpengaruh signifikan terhadap financial distress.
DAMPAK PROFITABILITAS, RASIO LIKUIDITAS DAN RASIO LEVERAGE TERHADAP FINANCIAL DISTRESS PADA PERUSAHAAN JASA SUB SEKTOR PROPERTY DAN REAL ESTATE DI INDONESIA Yoyo Sudaryo; Nunung Ayu Sofiaty; Ita Kumaratih; Astrin Kusumawardani; Ana Hadiana
Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen Vol 4 No 1 (2022): Februari 2022
Publisher : Universitas Insan Cendekia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37577/ekonam.v4i1.489

Abstract

The purpose of this study was to determine the effect of profitability ratios, activity ratios and leverage ratios on financial distress in property and real estate sub-sector service companies listed on the Indonesia Stock Exchange (BEI).The research method used is a quantitative method with descriptive and verification approaches, quantitative research..The results showed the average value of each variable as follows: Financial Distress 4.52, Profitability Ratio 0.07, and Activity Ratio 17.13, Leverage Ratio 52.76. The results of the t test of the Profitability Ratio have an effect on Financial Distress, and the Activity Ratio has no effect on Financial Distress, the Leverage Ratio has an effect on Financial Distress. Based on the results of the f test, it shows that the profitability ratio, activity ratio and leverage ratio have an effect on financial distress. Tujuan penelitian ini adalah untuk mengetahui pengaruh rasio profitabilitas, rasio aktivitas dan rasio leverage terhadap financial distress pada perusahaan jasa subsektor properti dan real estate yang terdaftar di Bursa Efek Indonesia (BEI). Metode penelitian yang digunakan adalah metode kuantitatif dengan pendekatan deskriptif dan verifikatif, penelitian kuantitatif. Hasil penelitian menunjukkan nilai rata-rata masing-masing variabel sebagai berikut: Financial Distress 4,52, Profitability Ratio 0,07, dan Activity Ratio 17,13, Leverage Ratio 52,76. Hasil uji t Rasio Profitabilitas berpengaruh terhadap Kesulitan Keuangan, dan Rasio Aktivitas tidak berpengaruh terhadap Kesulitan Keuangan, Rasio Leverage berpengaruh terhadap Kesulitan Keuangan. Berdasarkan hasil uji f menunjukkan bahwa rasio profitabilitas, rasio aktivitas dan rasio leverage berpengaruh terhadap financial distress.
INCREASED CUSTOMER SATISFACTION USING DIGITAL MARKETING IMPLEMENTATION IN THE BANKING INDUSTRY IMAGE Nunung Ayu Sofiati (Efi); Yoyo Sudaryo; Dayan Hakim Natigor; Rama Chandra Jaya
Sosiohumaniora Vol 25, No 1 (2023): Sosiohumaniora: Jurnal Ilmu-Ilmu Sosial dan Humaniora, MARCH 2023
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/sosiohumaniora.v25i1.45604

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Digital technology has spread throughout the planet. The banking industry is one that is intimately tied to this technology. The National Private Business Bank (BUSN) employs a variety of digital marketing strategies. One method is to use websites and social media. This study employs a management science method to assess the importance of digital marketing in enhancing customer satisfaction and its influence on banking image. This study use descriptive research methodologies using sample of 140 respondents, with this analysis employing Chou and Bentler’s theory. Finally, the research findings indicate that Digital Marketing Implementation at BUSN has been carried out quite well; in this study, customers at BUSN are satisfied, and the Banking Image at National Private Business Banks (BUSN) has been well obtained. In this study, it is also discovered that Digital Marketing has an impact on Customer Satisfaction at National Private Business Banks (BUSN), with a magnitude of 72.7%. Furthermore, there is a 21.8% effect of Digital Marketing in this study on Banking Image at National Private Business Banks (BUSN), and it is known that there is an effect of Customer Satisfaction on Banking Image at National Private Business Banks (BUSN), with a magnitude of influence of 22.9%, there is an effect of Digital Marketing on Customer Satisfaction, and its Impact on Banking Image at National Private Business Banks (BUSN), with a simultaneous influence of 83.1%, and the remaining 16.9% is influenced by factors other than the research variables.
The Model of Impulse Buying: Consider Price Discounts and Store Displays Nunung Ayu Sofiati; Lili Suryati; Wikrama Wardana; Nana Trisnawati; April Gunawan Malau; Andriasan Sudarso; Albert Gamot Malau
Journal of Accounting and Finance Management Vol. 4 No. 1 (2023): Journal of Accounting and Finance Management (March - April 2023)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v4i1.208

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This research endeavors to investigate the effects of Impulse Buying Discount Price and In-Store Display on Borma Departement Store Bandung. Additionally, it seeks to determine the combined influence of Price Discount and In-Store Display on Borma Departement Store Impulse Buying in Bandung. The study employs a descriptive quantitative methodology and involves the analysis of data collected from 980 customers at Borma Departement Store Terrain, with 91 respondents selected using a formula method. Both library and field research are used to gather data systematically and objectively. The analytical method used is descriptive analysis, and the findings indicate that Price Discount has a significant positive effect on Impulse Buying, while In-Store Display has a partially positive and significant impact on this phenomenon. The combination of discounted pricing and eye-catching in-store displays can effectively stimulate impulse purchases.
The influence of leadership style, work environment and work discipline on the performance of Arjasari health center employees Rizki Fathurrahman Septian; Palupi Permata Rahmi; Yoyo Sudaryo; Gurawan Dayona Ismail; Nunung Ayu Sofiati (Efi); Dadan Abdul Aziz
Jurnal Scientia Vol. 13 No. 01 (2024): Education, Sosial science and Planning technique, 2024
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/scientia.v13i01.2237

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This research aims to determine the simultaneous or partial influence of leadership style, work environment and work discipline variables on the performance of Arjasari Community Health Center employees. In this study, the samples were employees of the Arjasari Community Health Center with a sample size of 30 people. This research uses quantitative methods with a total sampling technique. And the data analysis tool uses the SPSS version 25.0 program. Based on the results of research at the Arjasari health center, it shows that leadership style, work environment and work discipline influence employee performance both partially and simultaneously with a determination coefficient test value (R₂) of 0.978 or 97.8% so it can be interpreted as 97.8% The performance of Arjasari Community Health Center employees (Y) can be explained by the variables leadership style (X₁), work environment (X₂), and work discipline (X₃)