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PENGARUH BAURAN PEMASARAN JASA TERHADAP KEPUASAN DAN LOYALITAS NASABAH KREDIT MIKRO PT. BANK BJB BANDAR LAMPUNG Shafitra Nata Nata
Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Vol 4, No 2 (2019): Mei
Publisher : Departemen Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (25.08 KB) | DOI: 10.24815/jimen.v4i2.11386

Abstract

Abstract : This study aims to measure the effect of Marketing Mix (Product, Price, Promotion, Place, Employee, Process, and Physical Evidence) on the Customer Satisfaction of Micro Credit Bank BJB Bandar Lampung Branch  and the effect of Customer Satisfaction on Customer Loyalty. Sample in this study is customers of micro credit Bank BJB Bandar Lampung during March 2012 to March 2015, sampling method using Purposive Sampling with samples of 100 respondents. Statistical analysis using multiple linear regression by first using the validity test, reliability test, partial test, and simultaneous test. The results of this study indicate that Marketing Mix (Product, Employee, Process, and Physical Evidence) have a significant effect on Customer Satisfaction, Where the marketing mix which had a dominant influence is the process and followed by the product. The relationship of consumer satisfaction with loyalty of a  positive impact on customer loyalty PT. Bank BJB Bandar Lampung micro credit customers.Keywords: Marketing Mix, Customer Satisfaction, and Customer Loyalty.
Dampak Covid 19 Terhadap Perubahan Harga Saham Perbankan di Indonesia Sebelum dan Saat Pandemi Recha Silvilia Lorenza; Ria Octavia; Shafitranata Shafitranata; Asri Winanti Madyoningrum
Jurnal Akuntansi, Keuangan, dan Manajemen Vol. 4 No. 1 (2022): Desember
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v4i1.1707

Abstract

Purpose: Aims of this research to examine the differences among internal and external factors that affect stock prices before and during the Covid-19 pandemic. Methodology: Research methods uses a quantitative approach method, obtained as many as 18 banks registered at IDX for 2016-2021. Data were processed using the Wilxocon sign test and the paired sample t test using SPSS software. Results: The results show a significant difference, during a pandemic ROA decreased by 1.3%, ROE decreased by 1.91%. Hypothesis testing using paired sample t test on the DER, exchange rate, and interest rates variables show significant differences before and during the Covid-19 pandemic. During the pandemic, DER increased by 0.03%, the exchange rate decreased by 0.02%, and interest rates decreased by 0.13%. Limitations: This research found that there was an influence on banking stock prices before and during the pandemic, as well as significant differences in stock prices. This research is also limited by using a sample of 19 companies in the banking sector that are listed on the IDX. Contribution: This research is expected to be input for banks in managing stocks properly and considering the Covid-19 pandemic. Research contribution to the field of science through the management of stock prices before and during the pandemic.
Pengaruh Reward, Punishment, dan Budaya Organisasi terhadap Kinerja Mitra PT Hannas Fantastic Tour Nur Aini; Shafitranata Shafitranata; Asri Winanti Madyoningrum; Ria Octavia
Reviu Akuntansi, Manajemen, dan Bisnis Vol. 3 No. 2 (2023): Desember
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/rambis.v3i2.2680

Abstract

Purpose: Aim of this research is to analyse and measure the effect of reward, punishment, and organizational culture on the performance of PT Hannas Fantastic Tour partners both partially and simultaneously. Methodology/approach: This research uses quantitative methods with sampling using surveys supported by instruments in the form of questionnaires to all partners via google form. The sampling technique used was random sampling with a sample of 130 respondents. The analysis test uses multiple linear regression with descriptive analysis methods, classical assumption tests, and hypothesis testing. Results/findings: The results showed that partially, reward has no significant effect on performance; punishment has no significant effect on performance; organizational culture has a significant effect on performance. Simultaneously, reward, punishment, and organizational culture have a significant effect on performance. Limitations: The research measures the influence, the measurement is only carried out at one branch and not concluded the whole company. Contribution: The contribution of this research is to provide solutions to the welfare of company partners through providing clear work contracts so that partners have work attachments, it is expected to increase work productivity.
Pengaruh Sales Growth, Likuiditas, dan Aset Tangibility terhadap Struktur Modal Chindy Ananda; Asri Winanti Madyoningrum; Syara Purnama Sari; Shafitranata Shafitranata
Studi Akuntansi, Keuangan, dan Manajemen Vol. 4 No. 1 (2024): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v4i1.3082

Abstract

Purpose: This study aims to determine the effects of sales growth, liquidity, and asset tangibility on capital structure. Methodology/approach: The research sample included as many as 14 companies in various industrial sectors of the automotive sub-sector for the period 2018-2022. Quantitative research using the associative approach method was used. The data used are secondary data, which are annual financial statements of automotive companies for the period to 2018-2022. The study population comprises various industrial sectors of the automotive subsectors listed on the Indonesia Stock Exchange. The data analysis method used was multiple linear regression using SPSS version 23. Results: The sales growth variable has no significant effect on capital structure, the liquidity variable has a significant effect on capital structure, and the asset tangibility variable has no significant effect on capital structure.   Limitations: The sample in the study only focuses on miscellaneous sector companies in various sectors of the automotive industry for the period 2018-2022 listed on the Indonesia Stock Exchange. Contribution: Good sales growth makes investors hesitant to provide capital to the company, and a high liquidity value reflects the ability of the company to meet its short-term obligations. Companies with good liquidity values are considered to have good investor performance. Investors plan and analyze ratios in automotive financial reports to obtain a better understanding and information regarding financial performance. This is performed to achieve a predetermined investment objective.
The Effect of Consumer Brand Engagement on Online Brand Experience and Its Consequences on Banking Apps Service Octavia, Ria; Azizah, Rahmawati; Shafitranata, Shafitranata
Journal of Economics, Business, and Accountancy Ventura Vol. 26 No. 1 (2023): April - July 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v26i1.3461

Abstract

Mobile Banking is the most widely used banking service application to meet the needs of online transactions. It is inseparable from the influence of the consumer brand engagement (CBE) concept, which is developing the engagement concept by combining marketing science and psychology with cognitive, affective, and behavioral dimensions. These are likely to generate a lot of positive online brand experiences, brand satisfaction, brand loyalty, and brand trust. This study aims to examine the effect of CBE on brand satisfaction, loyalty, and trust through online brand experience in the context of mobile banking apps. We involved 170 active customers having transacted using m-banking apps through a purposive sampling method and analyzed them using the structural equation model (SEM) approach. We found that CBE positively affects brand satisfaction, loyalty, and trust through online brand experience. This study suggests banks improve the implementation of the CBE concept because it creates a positive online brand experience to produce loyal customers who will benefit the banking business.
Financial Distress on Islamic Banks in Indonesia Impact of Covid 19 Pandemic and Economic Recession Shafitranata, Shafitranata; Octavia, Ria
Jurnal Akuntansi, Keuangan, dan Manajemen Vol. 6 No. 2 (2025): Maret
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v6i2.3706

Abstract

Purpose: The aim of this research is to identify and analyze the financial distress of Islamic banks in Indonesia during the pandemic and economic recession through an assessment of NPF, FDR, GCG, ROA, CAR, bank size, inflation, and interest rates. This research uses Islamic bank panel data for 2018-2022 and is quantitative research.Methodology/approach: Data analysis using Stata 17, through panel data regression and the data analysis method in this study using Ordinary Least Square (OLS). Population of this research is 10 Islamic banks in Indonesia with a total observation of 50 firm-years and the data used are secondary data of annual reports of Islamic banks. Results/findings: The findings show that the financial distress of Islamic banks is influenced by FDR, ROA, and CAR, and is not influenced by NPF, GCG, bank size, inflation, and interest rates. Islamic banks must carry out efficiency, restructuring, and manage the capital adequacy ratio so that it does not have an impact on the company's financial performance.Conclusions: The financial distress in Islamic banks in Indonesia during the COVID-19 pandemic and economic recession is significantly affected by the Financing to Deposit Ratio (FDR), Return on Assets (ROA), and Capital Adequacy Ratio (CAR). Limitations: The limitations of the study are that the sector studied is only Islamic banks in Indonesia so that the variables that influence are not comprehensive, allowing other variables to play a role in the financial distress of Islamic banks in Indonesia.Contribution: This research contributes by analyzing the performance of Islamic banks in Indonesia during the COVID-19 pandemic and in the face of economic recession. The widespread impact across various sectors, particularly the financial sector, underscores the need for government support through policies and regulations to ensure the stability of Islamic banks.
The (The Influence of Intellectual, Emotional Intelligence and Organizational Trust Moderated by Spiritual Intelligence on Employee Performance (Case Study at the Global Madani Education Foundation Bandar Lampung): Manajemen SDM Winanti Madyoningrum, Asri; MT, Rahmawati Azizah; Shafitranata
JWM (JURNAL WAWASAN MANAJEMEN) Vol. 13 No. 1 (2025)
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jwm.v13i1.309

Abstract

Tujuan Penelitian ini untuk menguji secara empiris pengaruh kecerdasan intelektual, kecerdasan emosional, kepercayaan organisasi terhadap kinerja karyawan yang dimoderasi kecerdasan spiritual pada Yayasan Pendidikan Global Madani. Jumlah sampel penelitian ini berjumlah 109 responden. Metode penelitian menggunakan penelitian kuantitatif dan melakukan penyebaran kuesioner secara daring menggunakan bantuan Google Form kepada seluruh karyawan Yayasan Pendidikan Global Madani. Adapun teknik pengambilan sampel yang digunakan menggunakan Teknik Populasi. Alat analisis menggunakan Smart PLS. Hasil penelitian menunjukkan bahwa kecerdasan intelektual, kecerdasan emosionl, kepercayaan organisasi terhadap kinerja karyawan dimoderasi oleh kecerdasan spiritual semua variabel berpengaruh signifikan
Factors Affecting the Stability of Financial Banking System in Indonesia Shafitranata, Shafitranata -; Lesmana, Arseta Yudha
Nominal: Barometer Riset Akuntansi dan Manajemen Vol. 14 No. 2 (2025): Nominal September 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/nominal.v14i2.82505

Abstract

The objective of this research to identify various factors that encourage the stability of Indonesia's banking and financial system from 2018 to 2023. The present research makes use of secondary data from 66 banks' audited financial statements that were chosen using the purposive sampling technique. The Random Effect Model method, which was chosen based on the findings of the Chow Test, Hausman Test, and Lagrange Multiplier Test, is used in this study to apply panel data regression. According to the analysis, NIM significantly reduces the stability of the financial system, but CAR and LDR significantly increase it. Furthermore, the stability of the financial system was not significantly impacted by NPL, ROA, DPK, or BOPO. These findings confirm the importance of effective capital management and liquidity optimization in maintaining banking stability. The decline in NIM indicates the need to improve efficiency in managing productive assets. Keywords: Financial Stability System, Pressure, Intermediation, Efficiency, Banking  ABSTRAK Tujuan dari penelitian ini adalah untuk mengidentifikasi berbagai faktor yang mendorong stabilitas perbankan dan sistem keuangan Indonesia dari tahun 2018 hingga 2023. Penelitian ini menggunakan data sekunder dari laporan keuangan 66 bank yang telah diaudit yang dipilih dengan menggunakan teknik purposive sampling. Metode Random Effect Model, yang dipilih berdasarkan hasil dari Uji Chow, Uji Hausman, dan Uji Lagrange Multiplier, digunakan dalam penelitian ini untuk mengaplikasikan regresi data panel. Berdasarkan hasil analisis, NIM secara signifikan menurunkan stabilitas sistem keuangan, namun CAR dan LDR secara signifikan meningkatkan stabilitas sistem keuangan. Lebih lanjut, stabilitas sistem keuangan tidak dipengaruhi secara signifikan oleh NPL, ROA, DPK, atau BOPO. Temuan ini menegaskan pentingnya efektifitas pengelolaan modal dan optimalisasi likuiditas dalam menjaga stabilitas perbankan. Penurunan NIM menunjukkan perlunya peningkatan efisiensi dalam pengelolaan aset produktif. Kata Kunci: Stabilitas Sistem Keuangan, Tekanan, Intermediasi, Efisiensi, Perbankan
Pelatihan Menciptakan Peluang Bisnis Melalui Optimalisasi Marketplace di Era New Normal Pandemi Covid 19 Madyoningrum, Asri Winanti; Shafitranata, Shafitranata; Azizah, Rahmawati
Journal Of Human And Education (JAHE) Vol. 4 No. 3 (2024): Journal of Human And Education
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v4i3.891

Abstract

The new normal era after the Covid 19 pandemic was the beginning of the revival of the business world and the country's economy. The rise of the business world is really needed to move the wheels of the economy through a digital marketing approach. Community service activities aim to increase understanding of the community in efforts to optimize the marketplace, delivered by the service team of lecturers from the Al-Madani College of Economics. Implementation of service activities uses practical methods, lectures and question and answer sessions. The target training participants were 30 residents of Rajabasa Nyunyai Village, Rajabasa District, Bandar Lampung City. Implementation of community service activities is carried out offline in the Rajabasa Nyunyai Village hall. This training focuses on material on the use of digital marketing in creating business and marketing opportunities with Facebook social media facilities. This training can provide knowledge and knowledge about the world of business and business to improve the community's economy. It is hoped that this service activity can take place regularly and continuously, so that it can further increase public understanding of the use of digital technology to increase citizens' income.
Pengaruh Rasio Keuangan terhadap Financial Distress Perusahaan Makanan dan Minuman di Indonesia Sebelum dan Saat Covid-19 Anisa, Shindi; Shafitranata, Shafitranata; Azizah MT, Rahmawati; Octavia, Ria
Nominal: Barometer Riset Akuntansi dan Manajemen Vol. 12 No. 2 (2023): Nominal September 2023
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/nominal.v12i2.58346

Abstract

ABSTRACTThe aim of the research was to analyze the effect of liquidity, leverage, profitability, and activity on the financial distress of food and beverage companies before and during Covid-19. The data used is secondary data in the form of audited financial statements for 2017-2021. The sampling technique is purposive sampling. This research uses descriptive research with a quantitative approach. The analytical tools used are multiple linear regression (CR, DER, ROA, TATO, Altman Z Score), normality test and paired sample t-test. The results of this study indicate that liquidity, leverage, and activity have a significant effect on financial distress, while profitability has no effect and is not significant to financial distress, and there are differences in financial ratios on financial distress before and during Covid-19. Companies need to implement operational cost efficiency and debt management strategies.Keywords: Liquidity, Leverage, Profitability, Activity, Financial DistressABSTRAKTujuan penelitian adalah menganalisis pengaruh likuiditas, leverage, profitabilitas, dan aktivitas terhadap financial distress perusahaan makanan dan minuman sebelum dan saat Covid-19. Data yang digunakan adalah data sekunder berupa laporan keuangan audited Tahun 2017-2021. Teknik pengambilan sampel adalah purposive sampling. Penelitian ini menggunakan penelitian deskriptif dengan pendekatan kuantitatif. Alat analisis yang digunakan berupa regresi linier berganda (CR, DR, ROA, TATO, Altman Z Score), Uji Normalitas dan paired sample t-test. Hasil penelitian ini menunjukkan bahwa likuiditas, leverage, dan aktivitas berpengaruh signifikan terhadap financial distress, sedangkan  profitabilitas tidak berpengaruh dan tidak signifikan terhadap  financial distress, dan terdapat perbedaan  rasio keuangan terhadap financial distress sebelum dan saat Covid-19. Perusahaan perlu melaksanakan strategi biaya operasional dan manajemen utang.Kata Kunci: Likuiditas, Leverage, Profitabilitas, Aktivitas, Financial Distress