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All Journal Jesocin : Journal of Jabar Economic Society Networking Forum Jesocin : Journal of Economics, Accounting, Business, Management, Engineering and Society
Tresnadi, Rama
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THE INFLUENCE OF SERVICE QUALITY ON BRAND IMAGE IN THE COMMUNITY(Case Study at Bank Bjb Sukajadi Branch) Tresnadi, Rama; Mulyani, Sri Rochani; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 2 (2024): Jesocin - Januari
Publisher : Organisasi Kreatif Indonesia Emas

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Abstract

This study aims to assess the extent of the influence of Service Quality (SerQual) on brand image at PT Bank Bjb Sukajadi Branch. This research has important relevance given the intense competition among banks and non-bank financial institutions. By taking a sample of customers who were borrowers and depositors during the period 2019 to 2021, 100 respondents were involved in this study. The research method used is a quantitative approach with multiple regression analysis. The results of the regression model show a positive coefficient, indicating that any change in service quality has the potential to affect brand image. The coefficient of determination (R2) is 72.8%, indicating that service quality has a significant influence on brand image. The results of hypothesis testing, both partially and simultaneously, show a positive and significant effect of service quality on brand image. The implications of this study show that physical evidence contributes significantly to brand image, while responsiveness contributes less. These results provide a better understanding of the elements of service quality that need to be considered to improve brand image in the banking industry.
articel INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS Tresnadi, Rama; Mulyani , Sri Rochani; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

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Abstract

Background: The central role of interest rates in macroeconomics cannot be overstated. Interest rates not only influence the economic landscape but also affect consumer spending, investment, and borrowing. Among these, consumer loan demand and bank profitability are two areas significantly impacted by fluctuations in interest rates. Banks adjust their lending practices, and consumers' borrowing behavior shifts according to the prevailing rates, which ultimately influences economic stability. Understanding these dynamics is crucial for both financial institutions and policymakers to craft effective strategies. Aims: This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions. Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity. Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered. Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.
articel INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS Tresnadi, Rama; Mulyani , Sri Rochani; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 10 (2024): Jesocin - September
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Background: The central role of interest rates in macroeconomics cannot be overstated. Interest rates not only influence the economic landscape but also affect consumer spending, investment, and borrowing. Among these, consumer loan demand and bank profitability are two areas significantly impacted by fluctuations in interest rates. Banks adjust their lending practices, and consumers' borrowing behavior shifts according to the prevailing rates, which ultimately influences economic stability. Understanding these dynamics is crucial for both financial institutions and policymakers to craft effective strategies. Aims: This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions. Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity. Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered. Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.
THE INFLUENCE OF SERVICE QUALITY ON BRAND IMAGE IN THE COMMUNITY(Case Study at Bank Bjb Sukajadi Branch) Tresnadi, Rama; Mulyani, Sri Rochani; Aripin, Zaenal
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 2 (2024): Jesocin - Januari
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to assess the extent of the influence of Service Quality (SerQual) on brand image at PT Bank Bjb Sukajadi Branch. This research has important relevance given the intense competition among banks and non-bank financial institutions. By taking a sample of customers who were borrowers and depositors during the period 2019 to 2021, 100 respondents were involved in this study. The research method used is a quantitative approach with multiple regression analysis. The results of the regression model show a positive coefficient, indicating that any change in service quality has the potential to affect brand image. The coefficient of determination (R2) is 72.8%, indicating that service quality has a significant influence on brand image. The results of hypothesis testing, both partially and simultaneously, show a positive and significant effect of service quality on brand image. The implications of this study show that physical evidence contributes significantly to brand image, while responsiveness contributes less. These results provide a better understanding of the elements of service quality that need to be considered to improve brand image in the banking industry.
Co-Authors Mulyani , Sri Rochani mulyani, sri rochani Zaenal Aripin