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All Journal KEUNIS Jurnal Pustaka Aktiva : Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Valuta Jurnal Inovasi Akuntansi Indonesian Journal of Banking and Financial Technology (FINTECH)

Embun Duriany Soemarso

Politeknik Negeri Semarang

Author-ID : 3129130

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 7 Documents Claim Missing Document

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ANALISIS KEPUASAN NASABAH ATAS KUALITAS LAYANAN INTERNET BANKING PADA PT BANK PEMBANGUNAN DAERAH JAWA TENGAH KANTOR CABANG PATI Anita Elvi Mutiasari; Embun Duriany Soemarso
KEUNIS Vol 8, No 2 (2020): JULI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research aims to identify how to increase customer satisfaction of internet banking service quality at PT Bank Pembangunan Daerah Jawa Tengah Pati Branch Office with five dimensions of service quality which were tangible, reliability, responsiveness, assurance, and empathy.In this research, the sampling technique used was purposive sampling technique. The data in this research were obtained from observations and distributing questionnaires to 100 respondents. Data analysis methods used are validity test, reliability test, satisfaction index test, satisfaction gap test and satisfaction mapping with cartesian diagram.Based on the result of the validity and reliability test, the indicators like tangible, reliability, responsiveness, assurance and empathy are valid and reliable. Based on the result of the satisfaction index analysis, the weighting score of internet banking quality service is 4,219. That score is between 3,43 – 4,23 wich means Satisfied. Based on the result of the satisfaction gap test the increase of satisfaction established on the fourteen sub-indicators show satisfaction, and four sub-indicators show dissatisfaction. Meanwhile, when viewed from the cartesian diagram mapping result, there are four indicators that fall into the quadrant I, four indicators in the quadrant II, four indicators in the quadrant III, and six indicators in the quadrant IV.

ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), DAN BIAYA OPERASIONAL DIBANDINGKAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2015-2017 Wisnu Adi Wibowo; Nina Woelan Soebroto; Embun Duriany Soemarso
KEUNIS Vol 7, No 2 (2019): JULI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This study aims to analyze the influence of Ratio Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO) partially or simultaneously to Return On Assets (ROA) at Bank Umum Syariah in Indonesia., The period 2015-2017. The data used in this study obtained from the quarterly financial reports through the website. Population and sample in this research is Bank Syariah Mandiri, Bank Mega Syariah and Bank BNI Syariah. The results of hypothesis testing using multiple linear regression analysis using SPSS 16. The result of determination coefficient shows the result of 0,774 or 77,4% of variable Return On Assets (ROA) influenced by Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO), the remaining 22,6% is influenced by other factors. The results of the F test or simultaneously Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Income Cost Effect (BOPO) together have a significant effect on Return On Assets (ROA). While t test or partially, Operational Income Cost Effect (BOPO) have significant influence to Return On Assets (ROA) while Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) has no significant effect to Return On Assets (ROA) on Bank Umum Syariah in Indonesia Period 2015-2017.

ANALISIS PENGARUH BAURAN PEMASARAN TERHADAP PENGAMBILAN KEPUTUSAN MENABUNG BRITAMA PADA PT BANK RAKYAT INDONESIA (PERSERO), Tbk CABANG PEMBANTU PURI ANJASMORO SEMARANG Kinanda Nor Cahya Ningtias; Embun Duriany Soemarso
KEUNIS Vol 7, No 1 (2019): JANUARI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This study aims to determine the significance of marketing mix variables consisting of product, price, promotion, place, people, processe, and physical evidence of BritAma saving decision making at PT Bank Rakyat Indonesia (Persero), Branch of Puri Anjasmoro Semarang. This study uses primary data from the distribution of questionnaires and secondary data from book literature and research journals. The population of this research is all the savings customers of BritAma PT Bank Rakyat Indonesia (Persero), Tbk Branch of Puri Anjasmoro Semarng. Sampling technique in this research is purposive sampling and accidental sampling. Data analysis method in this research is Multiple Linear Regression Analysis Model. Besides, data quality test in this research is done by using validity test and reliability test, and classical assumption test in the form of normality test, heteroskedasticity test, and multicolonierity test. In this study used data analysis techniques in the form of F test, t test, and coefficient of determination (R2). Based on the results of the analysis and discussion shows that the product, price, promotion, place, person, process, and physical evidence simultaneously significantly influence the decision of saving BritAma at PT Bank Rakyat Indonesia (Persero), Tbk Branch of Puri Anjasmoro Semarang. While partially there are only four variables that have a significant effect on Britama saving decision making is the product, promotion, place, and process. For the other three variables are price, people, and physical evidence have no significant effect on the decision of saving BritAma at PT Bank Rakyat Indonesia (Persero), Tbk Branch of Puri Anjasmoro Semarang.

ANALISIS PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN DAN KEPERCAYAAN TERHADAP MINAT MENABUNG PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK. CABANG SEMARANG Novita Himatul Ulya; Embun Duriany Soemarso; Moch. Abdul Kodir
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research aims to determine the significance of the variables influence the product quality, service quality and trust of the customers saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. This study uses primary data with questioner and secondary data. The population in this study are all savings customers at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. The sampling technique used was purposive sampling and accidental sampling. The analysis model used in this research is Linear Regression Analysis Model, while the data analysis techniques using the F test, t test, and coefficient of determination (R2). In addition, it also tests the quality of the data in the form of tests validity and reliability, as well as a classical assumption test with normality tests, multicollinearity tests, heteroscedasticity tests, and autocorrelation tests. Test data indicate that the data is valid and reliable and free from irregularities classical assumptions. The analysis and discussion showed that product quality, service quality and trust simulataniously significant influence customers saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. Variable service quality and trust partially significant influence customer saving interest, while the variable product quality not significantly influence customer saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang.

Co-Authors Anita Elvi Mutiasari Denny Ramadhan Franciska Denanda Rika Widiharsanti Kinanda Nor Cahya Ningtias Moch. Abdul Kodir Mochammad Abdul Kodir Nina Woelan Soebroto Novita Himatul Ulya Nurseto Adhi R. Gunawan Setianegara Septian Yudha Kusuma Sri Widiyati, Sri Winarni Wisnu Adi Wibowo

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