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All Journal Jurnal Ilmu Manajemen (JIM) Journal of Economics, Business, & Accountancy Ventura Journal of Business & Banking JAM : Jurnal Aplikasi Manajemen JPM17: Jurnal Pengabdian Masyarakat MODUS-Jurnal Ekonomi dan Bisnis SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) IDEI: Jurnal Ekonomi & Bisnis
Rr. Iramani
Universitas Hayam Wuruk Perbanas
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Journal of Business

 1 
Peran locus of control pada pengujian model perencanaan dana pensiun karyawan sektor swasta di Surabaya Ismawati Ismawati; Rr. Iramani
Journal of Business & Banking Vol 11, No 2 (2021): November 2021 - April 2022
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i2.2890

Abstract

This study investigates the factors affecting retirement planning by examining therelationship between financial literacy, locus of control, materialism, future orientation,and saving orientation. It used a questionnaire on 128 private sector employees inSurabaya and the data were analyzed using PLS. It was found that locus of control, future orientation, and saving orientation have an effect on retirement planning. Another one shows financial literacy has an insignificant positive effect on retirement planning and external locus of control mediating the effect of financial literacy on pension planningbehavior. Materialism has no effect on retirement planning. Future orientation has a positive effect on retirement planning and saving orientation is able to mediate the effect of future orientation on retirement planning. It can be implied that—if an individual has a better future orientation and saving orientation—the better the retirement plan he has;an individual who has high financial literacy must be accompanied by good self-controlin order to be able to plan his retirement wisely. It can be used for a useful reference for organizations to develop retirement planning in the context of a developed city such as Surabaya.
STUDI EXPERIENCED REGRET, RISK TOLERANCE, OVERCONFIDANCE DAN RISK PERCEPTION PADA PENGAMBILAN KEPUTUSAN INVESTASI Dewi Ayu Wulandari; Rr. Iramani
Journal of Business & Banking Vol 4, No 1 (2014): Mei 2014
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v4i1.293

Abstract

Nowadays Investors often make investment decision irrationally. The decision is often based on their judgment that is far away from rational assumption. When investors face risky situation, there are some objectivities, emotions, and other psychological factors that usually effecttheir decision making. This purpose of study is to examine the effect of experienced regret, risk tolerance, overconfidence and risk perception on investment decision making among lecturers in economics studies in Surabaya. Sample of this study is the lecturers of the economics studies in Universities in Surabaya who are also the investors. This study usedpurposive, convenience and snow-ball sampling method. There are 72 respondents taken from questionnaire by survey method. To test hypotheses, this study employs descriptive analysis and multiple regression analysis. Moreover, by performing multiple regression analysis, this study found that only risk tolerance and risk perception have significant effect on investment decision making, but experienced regret, and overconfidence do not.
PENGARUH OVERCONFIDENCE, EXPERIENCE, EMOTION TERHADAP RISK PERCEPTION DAN RISK ATTITUDE PADA INVESTOR PASAR MODAL DI SURABAYA Nadia Kartika; Rr. Iramani
Journal of Business & Banking Vol 3, No 2 (2013): November 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i2.235

Abstract

There are some factors which are assumed to have effect on risk perception and risk attitude. This aims study to explain the effect of internal factors on risk perception and risk attitude. The internal factors in this study consist of overconfidence, experience and emotion. The sample was selected from the investors in Surabaya who invested in capital market. The data were collected by means of questionnaires. The questionnaires of surevy respionses weresidtributed to 104 investors in the capital markets of Surabaya. The analysis was done by using Generalized Structured Component Analysis (GSCA) to test hypotheses. The result show that internal factors have no significant effect on risk perception and risk attitude, and neither does risk perception on risk attitude.
Pengaruh corporate social responsibility pada kinerja keuangan perusahaan pertambangan Putri Asiza Agustien Aulia Rahmah; Rr. Iramani
Journal of Business & Banking Vol 5, No 2 (2015): November 2015 - April 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i2.703

Abstract

The business people and their behavior need to understand their companies’ demand in the environment. They should also think about the whole stakeholders for manag-ing their business. Businessmen need to understand when a company operating there is a responsibility for stakeholder. In this research stakeholder are employees, suppliers, government, and environmental. The purpose of this research was to ex-amine the effects of Corporate Social Responsibility (CSR) toward the financial per-formance of a mining company in term of Return on Assets and Asset Turn Over. The analysis technique is using Multiple Regression Analysis (MRA). The result of this research shows that Corporate Social Responsibility affects Return on Asset and Asset Turn Over on a mining company. For that reason, business people should also pay attention to this factor in their business.
STUDI MANFAAT YANG DICARI NASABAH UMKM DAN PENGARUHNYA TERHADAP KEPUASAN PADA LAYANAN KREDIT BANK KONVENSIAL Anissa Sukmaputri; Rr. Iramani
Journal of Business & Banking Vol 3, No 2 (2013): November 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i2.240

Abstract

This research tries to review the factors determining the benefit expected by Micro, Small and Medium enterprise bank customers. It also reviews the effect of benefit expected on satisfaction of credit services given by conventional banks. Besides, this study compares some factors expectedbetween micro, small and medium enterprise bank customers. It is based on theory relationship of relational benefit and satisfaction. With the sample of 150 conventional bank customers of Micro, Small and Medium enterprise in Surabaya and cities surround, analysis is done. This analysis is conducted by descriptive analysis, factor, and multiple regressions using SPSS 18. Relational benefits are expected by micro enterprise is that the customer intimacy to contact personnel, and trust over quality, both factors are influencing satisfaction. For small enterprises, relational benefits expected are that customer intimacy to contact personnel and also conformity of services and priority. From these three factors, factors influencing satisfaction is conformity of services and priority. While for medium enterprises relational benefits expected is customer intimacy to contact personnel, additional services and conformity of services. From these three factors, factors influencing satisfaction is additional services and conformity of services.
STUDI FINANCIAL MANAGEMENT BEHAVIOR PADA MASYARAKAT SURABAYA Naila Al Kholilah; Rr. Iramani
Journal of Business & Banking Vol 3, No 1 (2013): Mei 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i1.255

Abstract

The financial management behavior has become prevailing issue nowadays. This is due to the societys behavior of consumptions in Indonesia, and especially in Surabaya city. This study aims to examine the relationship between Locus of Control, Financial Knowledge, and Income on Financial Management Behavior. The sample consists of 104 respondents, in Su- rabaya in which they were taken by means of Purposive Sampling. The characteristic of re- spondents such as they live in Surabaya, labor force, and they have income equal to Rp 1.500.000. Using Structural Equation Modeling on AMOS, this research found that no direct effect on Financial Management Behavior by Financial knowledge and Income. Locus of Control is positively related to Financial Management Behavior, and Locus of Control medi- ates the effect of Financial Knowledge on Financial Management Behavior.
Pengaruh literasi keuangan, financial capital, kebijakan pemerintah terhadap kinerja usaha pada usaha kecil dan menengah di Jawa Timur Dyah Regita Pramestiningrum; Rr. Iramani
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1750

Abstract

SMEs contribute greatly to economic growth in Indonesia, SMEs are able to produce GDP up to 59.08% (Bank Indonesia dan LPPI, 2015). The purpose of this study to determine the effect of financial literacy of SME managers, financial capital of SME and government policies on SME’s business performance. Total samples in this study are 177 SMEs. The sample data of this study are primary data in the metropolitan cluster in East Java which includes Surabaya, Gresik, Sidoarjo and Mojokerto. The results of this study indicate that the ability of SMEs managers about debt literacy has significantly and negative effect to business performance, the ability of SMEs managers about book keeping literacy and budgeting literacy have significantly and positive effect to business perfomance. Financial capital has significantly and positive effect to business performance and government policy in SMEs metropolitan cluster has no affect on the SMEs business performance.
Pengaruh keputusan keuangan, struktur kepemilikan, dan tingkat suku bunga terhadap nilai perusahaan property dan real estate yang go public Andi Novianto; Rr Iramani
Journal of Business & Banking Vol 5, No 1 (2015): May - October 2015
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i1.473

Abstract

The companys value is related to the stock price, showing the value that investors are willing to pay. To increase the stock price, the company should make good financial decisions and ownership structure. In addition, external factors also need to be consi-dered, one of which is the interest rate. This study aimed to examine the effect of finan-cial decisions, ownership structure, and the interest rate on the value of go public property and real estate companies. The sample consists of 45 property and real esate companies listed on Indonesia Stock Exchange in 2009-2013 periods. It uses purposive sampling method in determining the sample and multiple linear regression analysis for analyzing the effect of independent variables on the dependent variable. The results indicate that investment decisions are measured by Total Assets Growth insignificant positive effect on the companys value. Financing decision is measured by Debt to Eq-uity Ratio, dividend policy is measured by the Dividend Payout Ratio, and institu-tional ownership has significant positive effect on the companys value, while mana-gerial ownership and interest rate have insignificant and negative effect on the compa-nys value.
Co-Authors Aisyah Nur Hidayah Aka Naefs Alya Zahirah Laili Putri Andi Novianto Anggie Tri Wahyuni Anissa Sukmaputri Ardhia Prameswari Regita Cahyani Dewi Ayu Wulandari Dyah Regita Pramestiningrum Gaguk Suprianto Ismawati Ismawati laqma dica fitrani Lutfi Lutfi Marsetyo Adi Nugroho Meliza Silvy Moch. Anang Karyawan Mochamad Nurhadi Mohammad Al Hafidz Muazaroh . Nadia Kartika Naila Al Kholilah Nastiti Wahyu Pristianti Oktavia Kurniawati Putri Asiza Agustien Aulia Rahmah Rara Ayu Elviani Reza Tianto Tatik Suryani Titis Puspitaningrum Titis Puspitaningrum Dewi Kartika Wiwik Lestari