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The Impact Of Edc's Marketing, Service, And Infrastructure Strategies On The Growth Of Savings Deposits At Bank Rakyat Indonesia Surabaya Pahlawan Branch Septianingrum, Wike Dwi; Ismiyanti, Fitri
Jurnal Indonesia Sosial Teknologi Vol. 4 No. 9 (2023): Jurnal Indonesia Sosial Teknologi
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jist.v4i9.722

Abstract

Banking strategy requires fast and instant service to provide "excellent service" to customers. One of the marketing methods used as technology development in the banking industry, for example at PT Bank Rakyat Indonesia Surabaya Pahlawan Branch, is a marketing approach using Electronic Data Capture (EDC). This tool has the benefit of growing third-party funds, especially savings funds and fee-based income obtained from every transaction carried out on the EDC machine. In addition, there are efforts to increase the amount of savings, especially low-cost funds (savings) in a way that is more dominant to the number of third-party funds, to reduce the cost of funds and is expected to generate an increase in the value of net interest margin (NIM) despite the current tight bank liquidity. The purpose of this study is to see the influence of Marketing Strategy, Service Strategy, and Electronic Data Capture (EDC) Infrastructure on the Growth of Savings Deposits at PT Bank Rakyat Indonesia Surabaya Pahlawan Branch. This study used multiple linear regression with the help of the SPSS version 23 application to help with data processing. The results showed that the variables Marketing Strategy (X1), Service Strategy (X2), and Electronic Data Capture Infrastructure (X3) had a positive and significant influence on the increase in Savings Deposit Growth (Y) by the regression coefficient.
Board Size, Outside CEO and Financial Performance in Family Companies with Enterprise Risk Management (ERM) as a Moderating Variable Oktriasih, Charisma; Ismiyanti, Fitri
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22506

Abstract

This study examines the influence of board size and non-family CEOs (outside CEOs) on the company's financial performance, as well as the moderating effect of enterprise risk management (ERM) in family firms. Financial performance is proxied by return on assets (ROA) as the dependent variable. The sample of this study is family firms from the non-financial sector listed on the Indonesia Stock Exchange (IDX) for the years 2017–2021. For testing the hypothesis, this study uses the Ordinary Least Squares (OLS) and Moderated Regression Analysis (MRA) methods with the application IBM SPSS Statistics 22 for Windows. This study's results show that board size has a positive and significant effect on financial performance in family firms. Meanwhile, the presence of an outside CEO does not have a significant influence on financial performance in family firms. Regarding the moderating effect of ERM, this study shows that ERM does not significantly moderate the influence of board size and an outside CEO on financial performance in family firms
PENGARUH LITERASI KEUANGAN TERHADAP NIAT BERINVESTASI GENERASI MILENIAL PADA PLATFORM FINTECH BERBASIS EQUITY CROWDFUNDING DENGAN PERSEPSI RISIKO DAN KEPERCAYAAN PADA PLATFORM DAN FUNDRAISER SEBAGAI VARIABEL MEDIASI Muna, M. Niltal; Ismiyanti, Fitri
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.12308

Abstract

This study aims to analyze the effect of financial literacy on millennials' investment intention on equity crowdfunding-based fintech platforms with risk perception and trust in platforms and fundraisers as mediating variables. This research is a survey with data collection from 200 respondents, millennial generation Indonesian citizens aged 19-35 years, who used non-probability sampling techniques (purposive and snowball sampling). Primary data was collected through a Likert-scale questionnaire, while secondary data came from literature and trusted online databases. The interview method was used with a small number of respondents to obtain additional information. Data analysis involved descriptive statistical techniques and path coefficient analysis to achieve the research objectives. The results showed that financial literacy has a significant positive effect on the intention to invest in equity crowdfunding platforms, but has no significant effect on the perception of investment risk. Trust in the platform and fundraiser contribute positively to investment intention, suggesting the importance of financial literacy in shaping trust and motivation to invest in that context.