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EconBank : Journal Economics and Banking
ISSN : -     EISSN : 26853698     DOI : -
Core Subject : Economy, Social,
Econbank is a Journal of Economics and Banking published by the School of Economics and Business (STIE) of Bank BPD Jateng as a place for publishing research results and concepts in the fields of Economics and Banking. Ecobank focuses on research articles or papers relevant to the economic, business, and banking issues, related to three important disciplines: (1) economics, (2) business and banking, and (3) accounting.
Articles 158 Documents
ISLAMIC CORPORATE SOCIAL RESPONSIBILITY, ISLAMICITY PERFORMANCE INDEX DAN PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA Versiandika Yudha Pratama
ECONBANK: Journal of Economics and Banking Vol 4 No 2 (2022): October
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v4i2.237

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh antara islamic corporate social responsibility dan islamicity performance index terhadap profitabilitas Bank Umum Syariah di Indonesia periode 2017-2020. Penelitian ini termasuk penelitian kuantitatif dan data yang digunakan dalam penelitian ini adalah data sekunder yang berasal dari laporan tahunan maupun laporan keberlanjutan bank umum syariah. Teknik pengambilan sampel menggunakan metode purposive sampling. Dengan teknik pengambilan sampel yang ditentukan, diperoleh 11 bank umum syariah yang dijadikan sampel penelitian selama periode 2017-2020. Uji yang dilakukan adalah uji regresi linear berganda dengan uji hipotesis menggunakan uji t dan uji F. Hasil penelitian menujukkan bahwa secara parsial, profit sharing ratio maupun islamic income ratio berpengaruh signifikan terhadap profitabilitas bank umum syariah di Indonesia periode 2017-2020. Di lain variabel, islamic corporate social responsibility maupun zakat performance ratio masing-masing tidak mempunyai pengaruh yang signifikan terhadap profitabilitas bank umum syariah di Indonesia. Sementara itu, jika dilihat dari pengaruhnya secara bersamaan, islamic corporate social responsibility dan islamicity performance index berpengaruh secara simultan terhadap profitabilitas bank umum syariah di Indonesia periode 2017-2020.
PENGARUH NON PERFOMING LOAN, LOAN TO DEPOSIT RATIO DAN BEBAN OPERASIONAL PER PENDAPATAN OPERASIONAL TERHADAP RETURN ON EQUITY PADA BANK UMUM SWASTA DI INDONESIA Dahyang Ika Leni Wijayani; Siti Nur Rahmawati Ar Rosyiid; Totok Ismawanto
ECONBANK: Journal of Economics and Banking Vol 4 No 2 (2022): October
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v4i2.239

Abstract

Tujuan penelitian ini untuk menguji Pengaruh Non Perfoming Loan (NPL), Loan to Deposit Ratio (LDR) dan Beban Operasional per Pendapatan Operasional (BOPO) terhadap Return On Equity (ROE) pada Bank Umum Swasta yang terdaftar di Bursa Efek Indonesia (BEI) Tahun 2019-2020. Metode pengambilan sampel penelitian ini menggunakan purposive sampling, sehingga diperoleh 22 bank yang dijadikan sampel. Model analisis data menggunakan regresi linier berganda dan untuk pengujian hipotesis menggunakan uji simultan (f) dan uji parsial (t) dengan program SPSS 26. Hasil penelitian ini menjelaskan bahwa: 1) NPL, LDR dan BOPO berpengaruh signifikan secara simultan terhadap ROE; 2) NPL berpengaruh negatif signifikan terhadap ROE secara parsial; 3) LDR tidak berpengaruh signifikan terhadap ROE secara parsial; 4) BOPO berpengaruh negatif signifikan terhadap ROE secara parsial.
PENDEKATAN PSIKOLOGI UNTUK KEPUTUSAN INVESTASI DI MASA PANDEMI COVID-19 Asri Nur Wahyuni; Rudi Suryo Kristanto
ECONBANK: Journal of Economics and Banking Vol 4 No 2 (2022): October
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v4i2.242

Abstract

The investment world is one of the areas that has felt the impact, this is due to various restrictions on activities which ultimately affect the activities of the national economy. It is important for investors to maintain, follow and be able to analyze pandemic Covid-19 conditions with proper observations and calculations so that total losses can be minimized as small as possible. A psychological approach to investment decision-making can be done with many factors. The level of trust, historical data, social relationships, emotions, and past experiences can be one of the bases for making investment decisions. The data in this study are primary data obtained by distributing questionnaires to the public in Indonesia via a google form. The sample taken in this study was 100 respondents. Multiple linear regression analysis has been used to analyze the data in this study. Heuristics, Emotion, and considering the past variables have an effect on investment decisions. However, overconfidence and social interaction variables have no significant effect on decision-making when investing.
STRATEGI BUSINESS CONTINUITY PLAN (BCP) UNTUK KETAHANAN UMKM DAN UKM DI MASA KRISIS Yenny Maya Dora; Nugraha Saefudin; Intan Widuri Sakti; Oktora Yogi Sari; Asep Sudrajat; Cania Sukma Dewi
ECONBANK: Journal of Economics and Banking Vol 4 No 2 (2022): October
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v4i2.243

Abstract

Krisis yang diakibatkan oleh Pandemi Covid 19 memberikan dampak yang sangat besar untuk keberlangsungan usaha para pelaku UMKM dan UKM. Oleh karena itu penelitian ini dilakukan untuk menyusun Business Continuity Plan (BCP) Ketahanan UMKM dan UKM di masa krisis maupun bila terjadi krisis. Metode yang digunakan pada penelitian ini adalah metode kualitatif. Data penelitian didapat dengan melakukan wawancara dan menyebarkan kuesioner kepada para pelaku UMKM dan UKM Kota Bandung. Data yang didapat dianalisa dengan metode OODA Loop dikumpulkan dengan wawancara dan kuesioner kepada para pelaku UMKM dan UKM. Dari hasil analisa data didapat cara supaya UMKM dan UKM dapat bertahan dengan cara Para pelaku usaha UMKM di Kota Bandung supaya dapat bertahan dalam kondisi krisis melakukan langkah, seperti: Menghasilkan produk sesuai dengan kebutuhan pasar (memodifikasi atau mengembangkan produk atau menghasilkan produk baru). Mengikuti pelatihan-pelatihan baik untuk pengembangan produk, memproduksi produk, maupun meningkatkan dan mengembangan kemampuan dalam menjual barang/jasa secara online, bergabung dengan group. Mengikuti kegiatan-kegiatan pameran yang diselenggarakan oleh pemerintah, memasarkan produk dengan memanfaatkan digital marketing serta kolaborasi. Dan terus menerapkam metode OODA Loop. Hasil penelitian ini akan sangat berguna untuk para UMKM dan UKM mempersiapkan diri untuk menghadapi, menjalani dan melalui masa krisis.
PENGARUH PENGELOLAAN RISIKO DAN PERILAKU INOVATIF TERHADAP KEBERLANGSUNGAN USAHA UMKM YANG DIMODERASI OLEH KAPABILITAS JEJARING Fitri Lukiastuti; Novi Riza Rosani
ECONBANK: Journal of Economics and Banking Vol 4 No 2 (2022): October
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v4i2.246

Abstract

The purpose of this study is to analyze the effect of risk management and innovative behaviour on MSME business sustainability and analyze the moderating role of network capabilities on the effect of risk management and innovative behaviour on MSME business sustainability. The research population is MSME business doers in the city of Semarang, amounting to 11,908 with a sample of 99 respondents calculated by random sampling technique. The quantitative data analysis using smart PLS with the stages of the outer model and inner model. The results of the study indicate that risk management and innovative behaviour have a positive significant effect on MSME business sustainability in the city of Semarang. Network capabilities strengthen the influence of risk management and innovative behaviour on MSME business sustainability in Semarang City.
THE INFLUENCE OF TECHNOPRENEURSHIP AND BUSINESS NETWORK COMPETENCY TOWARDS THE COMPETITIVE ADVANTAGE OF SME IN THE MIDDLE OF THE COVID-19 PANDEMIC Bangun Prajadi Cipto Utomo; Tri Djoko Santosa
ECONBANK: Journal of Economics and Banking Vol 4 No 2 (2022): October
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v4i2.247

Abstract

The purpose of this study was to determine the partial and simultaneous positive effect of Technopreneurship Competence and Business Networks on the Competitive Advantage of MSMEs in the Midst of the Covid-19 Pandemic. The population of this research is SMEs in Surakarta. The research sample consisted of 100 MSMEs in Surakarta with used proportional random sampling. The data collection techniques used questionnaires and interviews. Multiple linear regression analysis was used to analyze the influence of Technopreneurship Competence and Business Networks in shaping the Competitive Advantage of MSMEs. The results show that technopreneurship competence and business networks have a significant effect on the competitive advantage of MSMEs in the culinary field in Surakarta. The contribution of independent variables consisting of technopreneurship competence and business networks to the competitive advantage of SMEs in the culinary field in Surakarta is 71.9% while the remaining 28.1% is influenced by other factors
IMPROVING THE PERFORMANCE OF BATIK SMEs IN THE COVID-19 PANDEMIC Dikdik Harjadi
ECONBANK: Journal of Economics and Banking Vol 4 No 2 (2022): October
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v4i2.248

Abstract

The COVID-19 pandemic has made the economy in Indonesia sluggish, especially for SMEs. Whereas the existence of SMEs in Indonesia is very important and considered by the government because SMEs can accommodate many workers and become a source of income for the middle and lower classes of the community. The aims of this research were look at how to improve the performance of SMEs so that they can still exist in the midst of the Covid 19 pandemic. Study was conducted on SMEs in West Java, Indonesia. Based on quantitative approach, this research used survey instrument by delivering questionnaire. The Structural Equation Modeling (SEM) was used to analyze the data. The result showed the significant relationship between Product Characteristics, Market competitive strategy, Price & Product Success Rate on Performance of SME
PENGARUH TOTAL QUALITY MANAGEMENT TERHADAP KINERJA MANAJERIAL DENGAN SISTEM PENGUKURAN KINERJA SEBAGAI PEMEDIASI PADA PT. PLN (Persero) UP3 SEMARANG Ciptaningtias, Arum Febriyanti; Widyarti, Maria Theresia Heni; Ramantika, Eurico
EconBank: Journal of Economics and Banking Vol 5 No 1 (2023): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v5i1.253

Abstract

This study aims to determine the effect of the dimensions of Total Quality Management on managerial performance mediated by a performance measurement system. The sampling technique in this study used a purposive sampling technique. Methods of data collection using questionnaires and interviews. Path analysis technique was used to examine the effect of Total Quality Management dimensions (customer focus, obsession on quality, education and training, teamwork, continuous improvement) on managerial performance mediated by the performance measurement system at PT. PLN (Persero) UP3 Semarang. The results of the direct influence test show that Total Quality Management on the dimensions of customer focus, and obsession on quality has an effect on managerial performance. Meanwhile, education and training, teamwork, and continuous improvement have no effect on managerial performance. Then Teamwork and continuous improvement affect the performance measurement system. But Focus on Customers, Obsession on quality, Education and training have no effect on the performance measurement system. The results of the indirect effect test show that the performance measurement system is not able to mediate Total Quality Management on managerial performance.
ANALISIS KOMPARASI KONDISI KESEHATAN BANK SEBELUM DAN SAAT PANDEMI COVID-19 PERIODE 2018-2021 (STUDI KASUS PADA PT BANK NEGARA INDONESIA (PERSERO) TBK) Alfaroqi, Irfan; Kodir, Mochammad Abdul; Wahyuni, Mirasanti
EconBank: Journal of Economics and Banking Vol 5 No 1 (2023): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v5i1.254

Abstract

Latar belakang masalah dalam penelitian ini adalah adanya penurunan secara signifikan laba yang dibukukan Bank BNI pada tahun 2020 dibandingkan tahun sebelumnya. Tujuan dari penelitian ini adalah untuk mengetahui perbandingan kondisi kesehatan bank pada saat sebelum adanya pandemi dan saat terjadinya pandemi Covid-19. Populasi yang digunakan dalam penelitian ini adalah PT Bank Negara Indonesia (Persero) Tbk dengan sampel laporan keuangan Bank BNI periode 2018-2021. Data sekunder yang digunakan bersumber dari Laporan Keuangan yang dipublikasikan oleh Bank BNI periode 2018-2021 dari situs resmi Otoritas Jasa Keuangan. Teknik analisis yang digunakan dalam penelitian ini adalah Uji Parametrik Paired T-Test apabila data memiliki distribusi normal dan Uji Nonparametrik Wilcoxon apabila data tidak memiliki distribusi normal. Berdasarkan Uji Parametrik Paired T-Test dan Uji Nonparametrik Wilcoxon dapat disimpulkan bahwa pada Bank BNI terdapat perbedaan kondisi kesehatan sebelum dan pada saat pandemi Covid-19 pada aspek Risk profile, Earnings, dan Capital. Namun, dalam aspek Good Corporate Governance (GCG) Bank BNI tidak terdapat perbedaan kondisi kesehatan sebelum dan pada saat pandemi Covid-19. Kata Kunci: Kesehatan Bank, NPL, LDR, GCG, ROA, CAR
An INTEGRATED MODEL TO EXPLAIN EARNINGS QUALITY: FINANCIAL PERFORMANCE AS A INTERVENING Herlina, Herlina; Santosa, R. Ery Wibowo A; Alfitri, Destiana Nur; Nugroho, Wawan Sadtyo
EconBank: Journal of Economics and Banking Vol 5 No 1 (2023): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v5i1.257

Abstract

This study aims to empirically determine the relationship between intellectual capital and accounting conservatism on earnings quality with financial performance as an intervening variable. This study uses data from manufacturing companies listed on the Indonesia Stock Exchange during 2018-2021. The sample was selected using a purposive sampling method to produce 35 companies. The analysis technique in this research is Multiple Linear Regression Analysis with a path analysis model. Based on the outcomes of the study shows that intellectual capital has an effect on financial performance, accounting conservatism has no effect on financial performance, intellectual capital has an effect on earnings quality, accounting conservatism has no effect on earnings quality, financial performance has an effect on earnings quality, financial performance is not able to mediate the influence of intellectual capital on earnings quality, financial performance is not able to mediate the effect of accounting conservatism on earnings quality.

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