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EconBank : Journal Economics and Banking
Published by Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng
ISSN : -     EISSN : 26853698     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
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.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 158 Documents
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Pengaruh Profitabilitas, Solvabilitas, Ukuran Perusahaan, Financial Distress, dan Opini Audit Terhadap Audit Delay Salsabila, Ravika Aisyah; Prasetya, Victor; Murdianingsih, Dian; Erfandi, Eli; Rosyadi, Noor
EconBank: Journal of Economics and Banking Vol 6 No 2 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i2.419

Abstract

This study aims to determine and analyze the effect of Profitability, Solvency, Company Size, Financial Distress, and Audit Opinion on Audit Delay. The population in this study were all food and beverage sub-sector companies listed on the Indonesia Stock Exchange. The sampling technique used was Purposive Sampling using 17 companies as samples. The technical analysis of the study used Multiple Linear Regression Analysis. The results of this study indicate that profitability, solvency and financial distress have a positive and significant effect on audit delay. The higher the profitability, the faster the company will submit reports. An auditor will need more time for a company that has a high solvency ratio so that the submission of the company's report takes longer. Likewise, companies that have a high level of Financial Distress can cause Audit Delay to be longer. The greater the company's profit, while company size and audit opinion are unable to affect audit delay.
Pengaruh Intellectual Capital, Islamicity Performance Index Pada Kinerja Bank Umum Syariah Indonesia Isnaini, Maheswari Nur; Irsyad, Mohamad
EconBank: Journal of Economics and Banking Vol 6 No 2 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i2.420

Abstract

Islamic Commercial Banks are experiencing quite rapid development. In its implementation, financial performance experiences ups and downs as measured by profitability ratios. There are several indicators that affect financial performance such as intellectual capital, profit sharing ratio, zakat performance ratio, and Islamic income vs non-Islamic income. This research aims to understand several indicators that affect financial performance through the proxy of return on assets in Islamic commercial banks between 2015-2023. This research uses data sources in the form of secondary data related to financial statements with quantitative methods. This research takes a population of all Indonesian Islamic commercial banks in the 2015-2023 timeframe. The sample in this research was obtained by purposive sampling method. This research data analysis technique is multiple liner regression analysis. This study found that intellectual capital has a positive effect in improving the financial performance of Islamic banks. Meanwhile, the Profit Sharing Ratio, Zakat Performance Ratio and Islamic Income ratio were unable to affect the performance of Islamic commercial banks. so that if there is an increase in these indicators, it does not increase financial performance
Pengaruh Likuiditas, Leverage, Profitabilitas dan Capital Intensity Terhadap Agresivitas Pajak Laksmi P, Kadek Wulandari; Ariwangsa, I G.N. Oka; Putri, Ni Putu Ayu Sriniken Dhamayanti; Putra P, Komang Widhya Sedana
EconBank: Journal of Economics and Banking Vol 6 No 2 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i2.421

Abstract

Tax aggression is an action taken to ensure that income subject to tax is either calculated correctly or illegal tax avoidance, often known as tax fraud. The purpose of this study is to estimate the impact of liquidity, leverage, profitability, and capital intensity on tax aggression in food and beverage sub-sector manufacturing companies listed on the IDX throughout 2021-2022. Sampling was carried out by purposive sampling so that 26 food and beverage sub-sector manufacturing companies listed on the Indonesia Stock Exchange were obtained that met several requirements. The results showed that liquidity and leverage have a negative effect on tax aggressiveness. Meanwhile, profitability and capital intensity have a positive and significant effect on tax aggressiveness
Analisis Penerimaan dan Penggunaan Jamsostek Mobile Menggunakan UTAUT Model Modifikasi Akbarida, Bramantyo Dhuha; Lukiastuti, Fitri; Solovida, Grace Tiana; Sutanto, Himawan Arif
EconBank: Journal of Economics and Banking Vol 6 No 2 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i2.425

Abstract

This study aims to analyze the factors that influence behavior intention for and use behavior of the Jamsostek Mobile application with a focus on the variables of performance expectancy, effort expectancy, social influence, facilitating conditions, habit, and perceived trust. The sampling technique used in this study was purposive sampling so that 160 respondents were obtained. The results showed that performance expectancy, effort expectancy, social influence, facilitating conditions, habit, and perceived trust have a positive and significant effect on behavioral intention. Behavioral intention has a positive and significant effect on use behavior. Behavioral intention is able to mediate the effect of performance expectancy, effort expectancy, social influence, facilitating conditions, habit and perceived trust on use behavior. User characteristics such as gender, age, education level, occupation, and length of membership play an important role in determining the active user base of the Mobile Social Security application, with specific demographics dominant among active users.
Strategi Peningkatan Nilai Perusahaan: Analisis Keputusan Investasi dan Pendanaan dengan Intervensi Kebijakan Dividen Yuliyanti, Eka; Kartika, Andi; Mustahidda, Rahmania; Fadhila, Zati Rizka
EconBank: Journal of Economics and Banking Vol 6 No 2 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i2.426

Abstract

This study aims to analyze strategies to increase firm value through investment and funding decisions with dividend policy intervention. This type of research falls into the causal associative category. The data sources in this study include all companies in the energy sector listed on the Indonesia Stock Exchange in the period 2019 to 2023. The sampling method applied is purposive sampling. The total population in this study was 145 companies, and of these, a sample of 29 companies was taken. The approach applied to analyze the data is SEM-PLS. The results of the study indicate that investment decisions have a positive relationship with dividend policy, although not statistically significant. Funding decisions have a negative and significant effect on dividend policy. Investment decisions are shown to have a significant negative relationship with firm value. Funding decisions do not show a significant effect on firm value. Dividend policy is proven to have a positive and significant effect on firm value. Dividend policy is able to mediate the effect of funding decisions on firm value. However, dividend policy is not able to mediate the effect of investment decisions on firm value
Sosial Media dan Gaya Hidup Hedonisme Terhadap Perilaku Konsumtif pada Karyawan Muda di Kota Semarang Pratiwi, Ade Ayu; Yuliana, Rahmi; Hamdani, Muliawan
EconBank: Journal of Economics and Banking Vol 6 No 2 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i2.427

Abstract

This study aims to analyze the influence of social media use and hedonism lifestyle on the consumptive behavior of young employees in Semarang City. The sample in this study was 150 respondents taken by purposive sampling. The data collection technique in this study used a questionnaire with the help of Google Form. The analytical method used in this research is multiple linear regression analysis using the SPSS version 26 program as a data processing tool. The results of this study indicate that social media and hedonism lifestyle have a positive and significant effect on the consumptive behavior of young employees in Semarang City.
Peran Emosi Positif Dalam Memediasi Store Atmosphere dan Store Image Terhadap Pembelian Impulsif Ernawati, Ernawati; Efendi, Bahtiar
EconBank: Journal of Economics and Banking Vol 6 No 2 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i2.442

Abstract

In business competition, retailers are expected to increase their sales so they can compete with other retailers. The phenomenon of impulsive buying behavior is a challenge for retailers where they are required to be able to create emotional interest such as provoking consumers' passion to buy and consume a particular product. The aim of the research is to prove how positive emotions mediate store atmosphere and store image and influence impulse buying. This research uses a quantitative approach, namely an approach that emphasizes analysis of numerical data processed using statistical methods. Quantitative research is a type of research that produces discoveries that can be achieved (obtained) using statistical procedures or other means of quantification (measurement). Then it is measured using SmartPLS (Partial Least Square) software starting from hypothesis testing. The results of this research are that store atmosphere has a positive effect on impulse buying, store image has a positive effect on impulse buying, store atmosphere has a positive effect on positive emotions, store image has a positive effect on positive emotions, positive emotions have a positive effect on impulse buying, positive emotions mediate the positive effect of store atmosphere. on impulse buying, positive emotions mediate store image having a positive effect on impulsive buying
Peran Media Sosial Instagram dalam Memperluas Jangkauan Pasar UMKM Komoditas Kopi Dusun Sirap Kabupaten Semarang Sutanto, Himawan Arif; Waluyo, Yanuar Rachmasnsyah J.; Styowati, Widhy; Safitri, Nova Dwiasti; Tanjung, Dewi Sekar
EconBank: Journal of Economics and Banking Vol 6 No 2 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i2.463

Abstract

Social media, especially Instagram, has become an effective marketing tool for micro, small, and medium enterprises (MSMEs) to reach a wider market. This study aims to identify the role of Instagram in expanding the market reach of coffee commodity MSMEs in Dusun Sirap, Semarang Regency. With a qualitative approach, this study involved in-depth interviews with MSME actors, analysis of Instagram upload content, and literature studies. The results of the study show that Instagram plays a significant role in increasing product visibility, building interactions with consumers, and creating brand loyalty. The strategy of using Instagram features such as Reels, Stories, and Instagram Ads also makes a major contribution to expanding market reach.
Kontrol Diri Sebagai Mediator Penentu Faktor-Faktor yang Mempengaruhi Perilaku Pengelolaan Keuangan Pengguna Buy Now Pay Later (BNPL) Cemarawati, Nungki; Trihudiyatmanto, M.; Efendi, Bahtiar
EconBank: Journal of Economics and Banking Vol 7 No 1 (2025): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v7i1.449

Abstract

Buy now pay later financing facilities are a challenge in financial management behavior whose success is still questionable among Indonesian people. This quantitative study aims to provide evidence that BNPL users' actions are influenced by their level of financial knowledge and experience, and that self-control is a key component of sound financial management. This study mainly aims to understand the Wonosobo generation Z. Using the Hair et al. method, this study analyzed data using SEM-PLS 4.0 with a sample size of 150 participants. The results of this study suggest that individuals of generation Z may be identified by their practices around money management, which are influenced by their awareness of the importance of self-control. Knowledge and experience in personal finance significantly and positively affect self-control, according to the research. Alternatively, financial management behavior is positively affected by, if marginally so, financial knowledge and experience. Lastly, the habit of financial management is positively and significantly impacted by self-control. The interesting thing is that self-control may act as a go-between when it comes to the relationships between financial knowledge and financial management behavior, and with financial experience as well. Fasilitas pembiayaan beli sekarang bayar nanti merupakan tantangan dalam perilaku manajemen keuangan yang keberhasilannya masih dipertanyakan di kalangan masyarakat Indonesia. Studi kuantitatif ini bertujuan untuk memberikan bukti bahwa tindakan pengguna BNPL dipengaruhi oleh tingkat pengetahuan dan pengalaman keuangan mereka, dan bahwa pengendalian diri merupakan komponen kunci dari manajemen keuangan yang baik. Studi ini terutama bertujuan untuk memahami generasi Z Wonosobo. Dengan menggunakan metode Hair et al., studi ini menganalisis data menggunakan SEM-PLS 4.0 dengan ukuran sampel 150 peserta. Hasil studi ini menunjukkan bahwa individu generasi Z dapat diidentifikasi oleh praktik mereka seputar pengelolaan uang, yang dipengaruhi oleh kesadaran mereka akan pentingnya pengendalian diri. Pengetahuan dan pengalaman dalam keuangan pribadi secara signifikan dan positif memengaruhi pengendalian diri, menurut penelitian tersebut. Sebaliknya, perilaku manajemen keuangan dipengaruhi secara positif meskipun tidak signifikan oleh pengetahuan dan pengalaman keuangan. Terakhir, kebiasaan manajemen keuangan secara positif dan signifikan dipengaruhi oleh pengendalian diri. Hal yang menarik adalah bahwa pengendalian diri dapat bertindak sebagai perantara dalam hal hubungan antara pengetahuan keuangan dan perilaku manajemen keuangan, dan dengan pengalaman keuangan juga.
Pengukuran Kinerja Perusahaan Dengan Menggunakan Metode RGEC Adi Sari, Inayah Adi; Riyanto, Riyanto; Hastuti, Novika Wahyu; Nugraha, Aryan Eka Prastya
EconBank: Journal of Economics and Banking Vol 7 No 1 (2025): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v7i1.469

Abstract

This study aims to test the performance enterprises in the banking sector in the era of the pasca Covid-19 pandemic. Measuring the bank's financial performance using the RGEC method, namely by looking at the NPL (Non Performing Loan), Good Corporate Governance (GCG), Return on Asset (ROA) and Capital Adequacy Ratio (CAR) ratios. The population in this study is banking companies listed on the Indonesia Stock Exchange. Sampling using the purposive sampling method, namely banking companies listed on the Indonesia Stock Exchange in 2021-2023, complete audited financial statements are available. The sample in this study amounted to 39 financial statements. The data analysis technique in this study uses multiple linear regression analysis. The results of this study concluded that the NPL and ROA variables had a negative and significant effect on PBV, while the GCG and CAR variables had a positive and significant effect on PBV. The results of this study are expected to provide benefits for stakeholders in making decisions to invest, especially in banking companies. Key word: Capital Adequaty Ratio (CAR); Good Corporate Governance (GCG); Non Performing Loan (NPL); Return on Asset (ROA); ); Price to Book Value (PBV)

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