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Journal : KEUNIS

ANALISIS KEPUASAN NASABAH ATAS KUALITAS LAYANAN INTERNET BANKING PADA PT BANK RAKYAT INDONESIA (Persero) Tbk. UNIT BANYUMANIK SEMARANG Wahyu Febriyanti; Sri Widiyati
KEUNIS Vol 7, No 1 (2019): JANUARI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (277.341 KB) | DOI: 10.32497/keunis.v7i1.1538

Abstract

The purpose of this research is to identify how to increase customer satisfaction of Internet Banking Service Quality at PT Bank Rakyat Indonesia (Persero) Tbk. Unit Banyumanik Semarang with five dimensions of service quality which were tangible, reliability, responsiveness, assurance, and emphaty.Data in this research were obtained from questionnaires which spread to 100 (one hundred) respondents. The data analysis methods are validity test, reliability test, satisfaction index analysis, and satisfaction gap test.The results from reliability and validity tests showed that items of service quality dimension such as tangible, reliability, responsiveness, assurance, and empathy were valid and reliable. Based on the result of satisfaction index analysis, the weighting average score of Internet Banking quality service is 4,046. That score is between 3,43 – 4,23 which means satisfied. Based on the result of satisfaction gap test the increase of satisfaction established on the fifteen sub indicators show satisfaction, and three sub indicators show dissatisfaction, then it needs special attention and an improvement from PT Bank Rakyat Indonesia (Persero) Tbk. Unit Banyumanik Semarang for three sub-indicators are not satisfied.
ANALISIS STRUKTUR MODAL OPTIMAL DALAM RANGKA MENINGKATKAN NILAI PERUSAHAAN (Studi Kasus PT Indofood CBP Sukses Makmur Tahun 2017-2021) Saputri, Enes; Widiyati, Sri; Listyani, Theresia Tyas
KEUNIS Vol. 11 No. 2 (2023): JULY 2023
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v11i2.3850

Abstract

Penelitian ini bertujuan untuk menentukan struktur modal optimal yang dapat memaksimalkan nilai perusahaan pada PT Indofood CBP Sukses Makmur tahun 2017-2021. Metode yang digunakan adalah analisis deskriptif kuantitatif. Penentuan struktur modal optimal menggunakan perhitungan biaya modal, biaya modal rata-rata tertimbang (WACC) dan nilai perusahaan. Hasil penelitian ini menunjukkan bahwa PT Indofood CBP Sukses Makmur dapat memiliki struktur modal optimal yang sejalan dengan model trade-off theory. Struktur modal dapat optimal, apabila bauran struktur modal yang digunakan dapat mendukung peningkatan nilai perusahaan. PT Indofood CBP Sukses Makmur selama tahun 2017-2021, memiliki struktur modal optimal pada tahun 2021, yaitu pada saat komposisi utang sebesar 69,77% dan ekuitas sebesar 30,23%. Bauran ini menghasilkan WACC sebesar 4,84% dan nilai perusahaan sebesar Rp191,62 triliun.
PENILAIAN KINERJA RETURN PENGELOLAAN ASSET PERBANKAN (Studi Komparasi Pada Bank Umum Swasta Nasional Devisa dan Bank Asing) Winarni, Winarni; Soemarso, Embun Duriany; Widiyati, Sri; Setianegara, R. Gunawan; Adhi, Nurseto
KEUNIS Vol. 10 No. 2 (2022): JULY 2022
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (484.377 KB) | DOI: 10.32497/keunis.v10i2.3467

Abstract

This study tried to analyse perfomance evaluation of banking asset management returns based on fundamental and macro factors from BUSND and foreign bank. This research also analyse the different of banking asset management Performance on BUSND and Foreign Bank. Multiple regression analysis method, F significance test, coefficient of determination and t significance test was used in This research. In order to find out the difference in asset return management between BUSND and foreign banks, a Chow-test was carried out.This study simultaneously found that fundamental factors proxied by the ratio of CAR, NIM, BOPO, LDR, and macro factors using SBI interest rates and exchange rates had a significant effect on ROA both in BUSND and foreign banks. In BUSND the independent variables for fundamental factors that have a significant effect on ROA are CAR, NIM, BOPO, and macro factors, namely the SBI interest rate, for foreign banks the results of the independent variables for fundamental factors that affect ROA are CAR, BOPO, and LDR . For the results of the Chow test, it was found that there was a significant difference between BUSND and foreign banks in terms of managing returns from the placement of bank assets (Return On Assets).
STUDI TENTANG KORELASI ANTARA PREFERENSI PEMBAYARAN DENGAN VARIABEL SOSIAL DEMOGRAFI Widiyati, Sri; Listyani, Theresia Tyas; Rois, Muhammad
KEUNIS Vol. 10 No. 1 (2022): JANUARY 2022
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (6731.477 KB) | DOI: 10.32497/keunis.v10i1.3070

Abstract

The era of digitalization is underway in Indonesia. One of the influential aspects is the business environment. In the business world, economic transaction are vital in developing a cashless society. The purposed of the study to assess the socio demographic variables (gender, marital status, education level, occupation dan income) correlate of the payments preferences. The sampling method was purposive sampling. An online survey of 100 participants  was conducted   among a sample of people who aged 20 years and over and have used e-money for three months. The survey included two parts: first, socio demographic characteristics and second the preferency of payments. Cross tabulation and Chi Squared test were used. The results showed that the majority participans was under 40 years old and have more one instruments of e-money. E-money used for on line shopping, transportation and to pay the bills. The conclution of the study there was no significant correlation between the preference of payment methods with socio demographic variables.