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BALANCE: Economic, Business, Management and Accounting Journal
Published by Universitas Muhammadiyah Surabaya
ISSN : 16939352     EISSN : 2614820X     DOI : -
Core Subject : Economy, Humanities, Science, Social,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
BALANCE merupakan jurnal yang diterbitkan oleh Fakultas Ekonomi & Bisnis Universitas Muhammadiyah Surabaya. Jurnal ini menfokuskan pada publikasi hasil penelitian dan artikel ilmiah tentang ekonomi, bisnis, manajemen dan akuntansi.
Arjuna Subject : -
Articles 301 Documents
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The Influence of Service Innovation and Service Quality on Customer Satisfaction Users of Mobile Banking Livin' by Mandiri Marsya, Amanda; Hambalah, Febrina
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22827

Abstract

This research was conducted with the aim of determining the influence and analyzing service innovation and service quality on customer satisfaction among Livin' by Mandiri mobile banking users. Using a quantitative approach with a survey method using SPSS version 27 tools. Primary data is used as a data source in form of a questionnaire from respondent responses with sampling using purposive sampling using the Slovin formula, then a sample of 99 respondents was obtained. The result show that simultaneously service innovation and service quality have a positive and significant effect on customer satisfaction for Livin' by Mandiri. It is hoped PT Bank Mandiri will always develop service innovation and service quality that is easier, faster, more accurate and comfortable by following technological developments so that it has an impact on increasing customer satisfaction.
Optimization of Islamic Bank Profitability: Overview of Capital, Liquidity, Operational Efficiency and Problem Financing Afri Cahyani, Ikah; Tubastuvi, Naelati
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.23218

Abstract

This research aims to look at the influence of capital, liquidity, operational efficiency and problematic financing on profitability. The sample selection used a purposive sampling method where the sample size was obtained from 13 sharia banks in Indonesia during the 2018-2022 period, by analyzing quarterly sharia banking financial reports. The analysis used in this research is multiple linear regression analysis using SPSS 25. The result show that partially operating expenses operating income (BOPO) have a negative and significant effect on return on asset (ROA), where Islamic banking needs to increase efficiency or reduse operational costs to increase profitability. then Capital Adequacy Ratio (CAR), financing to deposit ratio (FDR), and non performing financing (NPF) do not have a significant effect on ROA. It can be concluded that operational efficiency has an effect on profitability while capital, liquidity, and problematic financing have no effect on profitability.
The Impact of Fintech Payments and Financial Literacy on Student Financial Management Behaviour Khotimah, Khusnul; Puspitasari, Intan; Galih Prasaja, Mahendra
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.23795

Abstract

This study aims to ascertain how much fintech payments and financial literacy influence the money management behaviors of Muhammadiyah University Purworejo students. Students at the Muhammadiyah University Purworejo Class of 2019–2021 served as the research population. Using non-probability sampling approaches and a quantitative methodology, 318 respondents made up the study's sample. Multiple linear regression analysis approaches are used for initial data processing in SPSS version 25 (Statistical Package for Social Science). The study's findings demonstrate that students' money management practices are significantly and favorably impacted by financial literacy to some extent. Fintech payments significantly and advantageously impact how students handle their finances. Financial literacy and fintech payments simultaneously have a significant, positive impact on students' money management practices. You can effectively manage your fintech payment usage and make wiser and more fruitful future financial decisions if you thoroughly understand money
Analysis of the Impact of Value Added in the Manufacturing Industry on Economic Growth in Indonesia Safar Nasir, Muhammad; Suripto
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24179

Abstract

This study investigates the impact of specific factors on Indonesia's economic growth across different time frames using the ARDL analysis model in Eviews 10 software. The research reveals that in the long term, increases in value added from the manufacturing sector and foreign direct investment are associated with positive and notable effects on economic growth. In the short term, enhancements in manufacturing value-added, government expenditure, population growth, and foreign direct investment contribute positively and significantly to economic growth. Conversely, inflation negatively influences economic growth in the short term. These findings are instrumental in comprehending Indonesia's economic growth drivers and provide valuable insights for policymakers and stakeholders aiming to devise effective strategies to foster economic development
Exploring The Influence of Unforgettable Tourism Experience on Revisit Intention: The Mediating Role of Tourist Satisfaction Agata, Muhamad Ikhsan; Ajeng Pramesti, Diesyana
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24239

Abstract

This research aims to analyze the mediating role of tourist satisfaction in the relationship between memorable tourist experiences and tourist experiences on their intention to return to the natural scenic destination of Ketep Pass. The research methodology adopts a quantitative approach, using questionnaires for data collection and Structural Equation Modeling (SEM) as an analysis technique. The research involved 110 respondents who had visited Ketep Pass at least twice. The study findings show an intention to revisit, and the analysis results show that tourist experience and satisfaction variables significantly influence this variable. Meanwhile, the effect of memorable experiences is not statistically significant. This research proves that efforts to create unforgettable experiences alone cannot guarantee that tourists will return. Managers need to pay attention to other more dominant factors, such as overall satisfaction and the unique characteristics of their destination
Exploring Financial Bootstrapping and Financial Capital Through Financial Literacy to Enhance Micro Business Performance in Madura's Culinary Industry Purnamawati, Purnamawati; Rachmawati, Eka; Gitayuda, M. Boy Singgih
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24391

Abstract

Funding management for culinary micro-enterprises in Madura requires real action, including applying financial literacy indicators, regarding the study of how financial capital and bootstrapping affect micro-enterprises performance in the Madura culinary industry. This study aimed to examine the effect of financial bootstrapping and financial capital through financial literacy on microbusiness performance. The method used in this research is quantitative. The sampling technique used was purposive sampling with research respondents of culinary micro businesses in Madura. The sample obtained was 110 respondents. The data in this study used primary data, namely a questionnaire. The results showed that increasing financial literacy is the key to maximizing resource potential and improving micro-business performance in the Madura culinary sector. In the context of research on the effect of financial bootstrapping and financial capital on the performance of micro-businesses in the culinary industry in Madura, supported by Pecking Order Theory (POT), it provides a relevant framework for understanding the financing decisions taken by business actors. This research provides an overview of empirical support related to good financial literacy's importance in improving financial management and microbusiness performance.
The Effect of Financial Literacy on Millennial Generation's Investment Decisions in BRIS Stocks Rendi Shafira, Dhafa; Puspitasari, Intan; Galih Prasaja, Mahendra
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.23832

Abstract

Currently, the modernization era has changed human life and work. One of the things that is presently being considered is the level of financial literacy. One of the financial literacy in a person's investment decision. The purpose of this study is to examine the influence of financial literacy on the investment decisions of the millennial generation in BRIS stocks. This research is quantitative. The primary data used was taken from questionnaires given to respondents. Data testing is carried out by validity, reliability, and significance test testing (multiple linear). The results of the study showed that the level of financial literacy using the variable indicators of financial knowledge, financial attitudes, and financial behavior had a combined effect of 64% on investment decisions. Meanwhile, the remaining 36.0% of individual investment decisions are influenced by other variables that are not explained in this study
Revitalization Strategies In Human Resource Development Djatola, Hariyanto R; Hilal, Nur
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24361

Abstract

This research aims to analyze and identify practical human resource (HR) development strategies to improve quality and productivity. The main focus of this study is to formulate strategic approaches that management can use to enhance employees' competencies, skills, and motivation, aligning them with organizational needs and changes in the business environment. The research method used is descriptive qualitative research, which generates descriptive data from observable individual behaviors expressed in written or spoken language. Data collection is carried out through informant interviews or direct observation. Since the study employs a qualitative design, the researcher cannot make short-term assumptions about the observed events. The findings reveal several threats and weaknesses, with a low score of 2.23, such as intense labor market competition and resource constraints in certain areas. The strength-threats analysis shows a score of 3.49, indicating that these challenges can be addressed by optimizing existing strengths and reinforcing the organization’s position through a holistic and sustainable HR development strategy. The implications of this research suggest that implementing strategies based on internal strengths will strengthen the organization's position in managing resource limitations and external threats. The recommendation is to enhance synergy between the HR department and other organizational units to create more integrated and adaptive HR development policies
The Forecasting Inflation Movements in East Java Province Using the Auto-Regressive Integrated Moving Average (ARIMA) Approach Budi Prasasti, Karari; Murdiyanto, Edi; Dwi Yulianti, Tiara; Aditama Putra Mukti Wibawa, Wahyu
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24530

Abstract

East Java is the province with the largest population in Indonesia. In addition, East Java's economic growth rate is the highest on the island of Java. The economic growth needs to be supported by other economic indicators. One of the most important macroeconomic indicators is inflation. This study discusses the inflation forecasting for East Java towards the end of 2024. Financial forecasting is crucial as it serves as the basis for government decision-making. The forecasting technique used in this study is ARIMA. The tests indicated that inflation in East Java will decrease towards the end of the year. In December, East Java will experience deflation of -1.75%. Meanwhile, in January and February 2025, the inflation rates were -2.07 and -2.39, respectively. Therefore, the East Java government must implement policies to anticipate this situation.
The Effect of Work Environment, Organizational Culture, and Work Engagement on Work Stress through Workload as a Mediating Variable Putra, Muhammad Ihsan Sumarlan; Budi Santoso, Anton
BALANCE: Economic, Business, Management and Accounting Journal Vol 22 No 1 (2025): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v22i1.24751

Abstract

The enormous scope of management and supervisory tasks by the Bureau of BUMD, Investment, and Development Administration of West Java affects employees' high workload and stress levels. This study aims to determine the impact of the work environment, organizational culture, and work engagement on work stress through employee workload. The sampling technique used was saturated sampling; thus, all 50 employees were used as samples. The data collection technique used a questionnaire, which was then analyzed with SEM using Smart PLS 4.0. The study found that the work environment, organizational culture, engagement, and workload did not affect work stress. In contrast, work engagement significantly positively affected employee work stress. The work environment did not affect workload, while organizational culture positively affected employee workload. The workload could not mediate the influence of the work environment, organizational culture, or work engagement on employee work stress.

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