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Business and Finance Journal
Published by Universitas Nahdlatul Ulama Surabaya
ISSN : 25274872     EISSN : 2477393X     DOI : https://doi.org/10.33086/bfj
Core Subject : Economy,
Economics, Econometrics & Finance
Business and Finance Journal UNUSA (p-ISSN: 2527-4872; e-ISSN: 2477-493X) is a scientific peer-reviewed journal published by Faculty of Economics and Business, Universitas Nahdlatul Ulama Surabaya, Indonesia. Since Established in 2016, BFJ is intended Provide a medium for dissemination of original and quality research on various topic in business, finance and economics.
Arjuna Subject : -
Articles 221 Documents
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THE INFLUENCE OF BRAND SIGNATURE, AWARENESS, ATTITUDE, AND REPUTATION ON PRIMEBIZ HOTEL SURABAYA’S BRAND PERFORMANCE Setiawan, Andik; Sutarso, Yudi
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.5222

Abstract

Brand Performance has an important role for organizations to implement and improve good services and processes. This implies that management in the organization, must continuously improve the skills and ability to maintain and enhance the growth of the organization as well as to face the challenges of today's business. This study aims to examine the relationship between brand characteristics, brand attitude, brand reputation, brand awareness, and brand performance. This study used a quantitative approach with a data collection method using questionnaires on 111 primebiz hotel surabaya consumers and processed using partial least square (SmartPLS 3.0) analysis tools. The results showed that brand characteristics affect brand attitudes, brand attitudes affect brand reputation, brand characteristics affect brand awareness, brand awareness affects brand reputation, brand awareness affects brand attitudes and brand reputation affects brand performance.
HEALTHCARE 4.0 AS AN ESSENTIAL SOLUTION TO HOSPITAL OPERATING MANAGEMENT IN THE 4.0 INDUSTRY ERA Maulidiyah, Najiyah Rizqi
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.3828

Abstract

The rapid development of science and technology today has touched various aspects of people's lives, from household chores to working methods and studying, which are made more accessible by technology. This situation is also discussed by innovations developed by the industry to answer challenges or demands from society and new opportunities to conduct in-depth research and technological development to facilitate human work, especially now that the development and sophistication of technology have also entered the medical world when artificial intelligence (AI) plays an essential role in hospital operations or also known as health care 4.0, where the healthcare delivery process becomes a cyber-physical system complete with IoT or internet of things and radio-frequency identification or RFID, wearables, all types of medical equipment, intelligent sensors medical robots, and others that are all integrated with cloud computing, extensive data analysis, and decision support techniques to achieve intelligent and interconnected health care delivery.
OPTIMIZATION OF ONLINE EXAMINATION DEVELOPMENT ON NEW STUDENTS ADMISSION OF POLYTECHNIC FURNITURE AND WOOD PROCESSING INDUSTRY WITH ECONOMIC AND TECHNOLOGICAL FEASIBILITY ANALYSIS Ulfia, Yessi Nasia; Kristianto, Fesa Putra Kristianto; Shoffiyati, Peni; Rosada, Magfur
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.4095

Abstract

The admission of new students at the Polytechnic of Furniture and Wood Processing Industry (Polifurneka) has a significant impact on the quality of education, One of which is the level of competence of the new students who are accepted. Therefore, it is necessary to optimize the development of a new student admission selection system using the CAT (Computer Assisted Test) online examination system to produce competent students. There are three online exam system options that can be implemented at the Furniture and Wood Processing Industry Polytechnic, namely the online exam system by making your own, an online exam system provided by PT. X and online exam system of premium upgrade google form. Therefore these three options must be analyzed economically and technologically. Based on the economic and technological feasibility analysis, an online exam is chosen that is self-exam. In the economic feasibility of the online exam made by itself, it provides a Payback Ratio (PP) value of 0.12 years, Net Present Value (NPV) of Rp. 446.088.408,-, Return On Investment (ROI) of 13,229%, and from the results of technology analysis, the online exam made by yourself is considered feasible because there is an additional listening question feature and storage capacity of up to 900,000 register per month.
Increase Women Leaders As a Corporate Performance Drivers In Building Material Company Izzati, Nailu Nur; Bangun, Madju Yuni Ros
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.4355

Abstract

SDG 5, or Sustainable Development Goal 5, is one of the 17 goals established by the United Nations in 2015 as part of the 2030 Agenda for Sustainable Development. SDG 5 grants women and girls equal rights and opportunities to live free without discrimination, including workplace discrimination, career opportunities, and violence. The achievement of SDG 5 is critical to creating a sustainable future where women can contribute to society without fear of discrimination. The problem statement in this research is what key success, motivation, and competency are needed for women to become leaders, there are a constraint and perceptions about women that can be barriers to becoming a leader, how support system can help women to become leaders, women have limitations in their career development. The dependent variable in this study is the "Leadership" driver and the independent variables in this study are the "General/Key Success", "Motivation", "Ability", "Role", "Situational" and "Constraint" drivers. Situational Factors, constraints, general/key success and abilities significantly influence women's leaders. To increase women's leadership at SIG, the things that need to be improved are: create a women's leadership program at the age of 30s by increasing the competencies that are important for women to improve, provide facilities for women employees, so that their obstacles can be minimized, such as daycare, breastfeeding rooms, etc., increase women's confidence to show their abilities, increasing women's motivation in self-actualization, improving the support system for women from family
ENHANCING EDUCATION IN PROPERTY MANAGEMENT: THE DEVELOPMENT OF A SPECIALIZATION PROGRAM AT CIPUTRA UNIVERSITY SURABAYA Ellen Lawrencia Yahya; Budidharmanto, Lexi Pranata; Dwi Sunu Widyo Pebruanto; Ni Putu Aryani; Devina Martina
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.4415

Abstract

In Indonesia, there is a high demand for skilled professionals in Property Management due to the increasing number of infrastructure projects. To bridge the gap between this demand and the availability of competent human resources, Ciputra University is undertaking a review of its academic curriculum to include a specialization program in Property Management. This study employed the Focus Group Discussion method to gain insights into people's perceptions and understanding of Property Management. The participants in the discussions consisted of faculty members and students from disciplines such as Hospitality and Tourism Business, as well as Interior and Architecture. This collaborative approach aimed to gather diverse perspectives necessary for developing the framework of the Property Management program.
Innovation and neuro-economics: The influence on managerial effectiveness and corporate financial productivity Utuk, Kokoete Asuquo
Jurnal Bisnis dan Keuangan Vol 9 No 1 (2024): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v9i1.5071

Abstract

Centric to business is profit-making, and incorporating professionals in management is invaluable for growth and organizational development. Management processes call for effective operation and efficient resource utilization, a metric in planning for enhanced visibility and productivity critical in business sustainability. The idea is that innovation and neuro-economics are pivotal, interfering and significantly contributing to business advancement, and companies continuously seek to turn things around for success. This study utilizes a phenomenological research design using a grounded theory approach fully structured, enabling systematic processing in the research. Empirical activities involve an 8-person focus group discussion in three sets in each of the 5 sample companies through video conferencing. With data triangulation, the research ensures the validity and reliability of data and resources obtained from Scopus and Google search engines. Apart from a positive indication of the effect of artificial intelligence (AI) and internet usage on business operations, the result shows significant turnover in sales and income, meaning systems and software enhance managerial performances. Emotions and behavior are also critical, as the research outcome reveals in decision processes and the productivity level. Overall, the strength of technology is imminent, and the impact of neuro-economics on managerial effectiveness and efficiency remains outstanding.
Financial Literacy and Financial Management: Mediating Effects of Financial Technology Anugraini, Mardiyah; Jannah, Sifa Imroatun; Khusnah, Hidayatul; Anshori, Mohamad Yusak; Wijayanti, Destin Rafika
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.5102

Abstract

Technology and communication are currently developing so rapidly that they are changing human life. Especially in the financial sector, with the aim of providing convenience to the community and increasing productivity and effectiveness. Despite the convenience provided by financial technology, there are quite a few people who still don't understand financial literacy, how to build good financial management skills and a general understanding of financial technology. This research aims to find empirical evidence and analyze the mediating influence of the use of financial technology on the influence of financial literacy on financial management. The sampling method used was the purposive sampling method and the total sample was 85 respondents who were the research objects. The data analysis method is quantitative descriptive analysis using primary data and hypothesis testing using WarpPLS 8.0 software. The test results show that financial literacy has a positive and significant effect on financial management. Financial literacy has a positive and significant effect on financial technology. While financial technology has a positive and significant effect on financial management, financial technology can mediate financial literacy on financial management
DESIGN OF BUSINESS MODEL INNOVATION FOR POWER PLANT OPERATION AND MAINTENANCE SERVICES USING DESIGN THINKING METHOD Putri, Nikita Ashardika; Nadlifatin, Reny
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.5223

Abstract

Power generation business competition in Indonesia is increasingly competitive due to the growth of IPP’s with better levels of reliability and efficiency. IPP growth with the TOP scheme in PJBTL has the potential to burden PLN and the state's finances in the long term. In order to guarantee the sustainability of the company, this needs to be a concern of PLN and its subsidiary, PLN Nusantara Power (PLN NP). PLN NP is expected to be able to provide more competitive O&M service fees. This study aims to formulate cost efficiency O&M services based on factors that affect the cost of supplying electricity, to provide efficient and competitive O&M service costs. The research began with the in-depth interviews with experts and reports of electricity supply, O&M service business processes, list of power plant units which were analyzed using the design thinking method, and supported by the cost leadership and blue ocean strategy. The results of the analysis obtained from this study have been validated by experts, in the form of proposed formulations that are studied comprehensively, and are able to solve O&M service cost problems by implementing a cost leadership strategy through changes to return on investment schemes, use of local workforce, appointment schemes directly, as well as the transfer of 3rd party contracts. This research proves that the proposed formulation is able to support O&M service cost efficiency of 9.5%.
VALUATION OF CONTRACT DEMAND VOLUME OF NEW GENERATION PRODUCT (NGP) CAVITY FILTER CIGARETTE PROJECT USING INCOME APPROACH IN CIGARETTE FILTER COMPANY (PT CFC) Junaidi, Anang; Gunarta, I Ketut
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.5224

Abstract

PT CFC, a cigarette filter manufacturer, sells the latest patent productcapsule cavity sensation filter to MNC Korea's cigarette factory. MNC delivered latestview forecast demand contract, of 356.75 million cigarette filters in totals, periodJanuary 2023 to July 2024, which to be marketed in Asia and the Commonwealth ofIndependent State (CIS) countries. Hence, to decide the feasibility of the project,requires research and analysis whether the project is profitable or detrimental.Objective of this research are to assist PT CFC in taking decision of those aboveproject, by using 2 approach methods, 1). Project Management, aiming to get an initialoutlay . 2). Financial Valuation through income approaches (Initial Outlay, cash flow,terminal cash flow, working capital, PP, IRR and NPV). From the research study, theInitial Outlay it cost GBP 1,552,410 which generating from project managementthrough LM (logic Model), WBS (work Breakdown Structure) and AP (ActivityPlan)). Annual cash flow will be minus at the 1year of project started, by GBP 185K, but in the 2nd year positive of GBP 832K, overall project during contractdemand period will positive of GBP 647K and terminal cash flow at the end of theproject delivered GBP 1.471K. By using CAPM method PT CFC required return18.01%, contribute from risk free return 3,509%, beta coefficient 1.27, and anannualized return 15%. Capital structure, planned and decided to using 100% equity,which resulting of WACC 18.01%. According to above data, financial valuation couldbe define, the Payback Period achieved 1.2 years. Internal Rate of Return counted350% higher compare to WACC 18.01%. Net present value positive of GBP 1.739K.Hence refers to valuation parameter above concluded that, the project investment wasfeasible and can be continued into project execution.
ANALYSIS OF CUSTOMER PROFILE CHARASTERISTIC WITH CREDIT QUALITY USING THE CLUSTERING METHOD FOR RISK MITIGATION AND SMALL MEDIUM ENTERPRISE CREDIT PORTOFOLIO EXPANSION PLANNING Yorinda, Ilham Achmadi; Raharjo, Agus Budi
Jurnal Bisnis dan Keuangan Vol 8 No 2 (2023): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i2.5225

Abstract

in managing the Small Medium Enterprise credit portfolio. The strategy taken by a bank must be adapted to the general characteristics of the target debtors for business expansion and risk mitigation so that business expansion and risk mitigation efforts can be carried out effectively for certain groups. Based on these problems, the purpose of this research is to identify groups of debtors with similar characteristics based on debtor profile data and their credit quality, and to understand the differences in credit risk and opportunities for business expansion among these groups. The data used is the profile of the distribution of debtors from Bank ABC of 5088 debtors. The analysis technique used is K-Means and KMedoids with the evaluation criteria used are silhouette score, davies-bouldin index and computation time. Completion of the optimal number of groups is done by analyzing the WSS graph using the elbow method. Analysis of business expansion and risk reduction is carried out separately where business expansion analysis is carried out for debtors with a collectibility value of 1 and risk reduction analysis is carried out for debtors who have a collectibility value of 2 – 5. The results show that there are 5 groups in the business expansion analysis and 3 groups in risk mitigation analysis. The high value of the silhouette index and davies-bouldin index makes the grouping results have a strong structure. The KMedoids method is used in this analysis because it has better evaluation criteria than K-Means. Priority is also determined for each group formed so that it can be determined which group has the greatest opportunity to become target expansion and which group has the greatest risk that needs to be mitigated. In general, business sectors such as agriculture and plantations are experiencing a decline in economic activity in 2022, so it needs attention from the bank so that it does not disrupt the credit portfolio. To complement the results of this study, an analysis of external and internal business health needs to be carried out in more depth so that the big picture of credit problems at Bank ABC can be identified.

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