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INDONESIA
Journal of Economics and Business UBS
Published by UniSadhuGuna Business School
ISSN : 23028025     EISSN : 27747042     DOI : 10.52644
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Economics & Business UBS adalah jurnal yang diterbitkan sebulan sekali oleh STIE UniSadhuGuna. Jurnal Indonesia Sosial Sains akan menerbitkan artikel ilmiah dalam lingkup ilmu sosial dan ekonomi. Artikel yang diterbitkan adalah artikel dari penelitian, studi atau studi ilmiah kritis dan komprehensif tentang isu-isu penting dan terkini atau ulasan buku-buku ilmiah.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 572 Documents
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Descriptive and Correlation Analysis of Bank Financial Performance on Market Capitalization: Evidence from National Banks in Indonesia (2020–2024) Yonfrayogo, Armada; Lisnawahnida, Sona Rostiyanti
Journal of Economics and Business UBS Vol. 14 No. 5 (2025): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/sqp39v76

Abstract

This study examines the relationship between bank financial performance and market capitalization of Indonesian national banks during 2020–2024. Using a quantitative approach with 75 observations, the research analyzes Return on Equity (ROE), Operating Expenses to Operating Income (BOPO), Non-Performing Loans (NPL), and Capital Adequacy Ratio (CAR) as independent variables, with the natural logarithm of market capitalization (LnMC) as the dependent variable. Descriptive statistics reveal variations across banks, with ROE averaging 11.43%, BOPO 75.05%, CAR 24.71%, and NPL at a relatively low level after log transformation. Correlation results show that ROE has a strong, positive, and significant relationship with market capitalization, while BOPO has a significant negative relationship. In contrast, NPL is negatively associated but insignificant, and CAR shows no significant effect. These findings highlight that profitability and efficiency are the main drivers of market capitalization in Indonesian banks, while credit risk and capitalization levels play less important roles. The study contributes to the literature on banking and finance in emerging markets and provides practical insights for bank managers, regulators, and investors in strengthening performance and market value. These findings reinforce signaling theory and agency theory in the context of banking in emerging markets, confirming that profitability and operational efficiency are the primary signals considered by investors in valuing banks. This study provides new empirical evidence on the limited influence of CAR and NPL on market valuation when these ratios are already above strict regulatory thresholds.
The Influence of Price Perception, Product Quality, and Café Atmosphere on Purchase Decisions at Teman Kami Space Mubarok, Syachrul; Soviyan Munawar; Wufron, Wufron
Journal of Economics and Business UBS Vol. 14 No. 5 (2025): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/9w4spa74

Abstract

The café industry in Indonesia is experiencing significant growth in line with changes in consumer behavior, especially young people who not only visit cafes to enjoy food and drinks, but also to work, socialize, and enjoy a comfortable atmosphere. This phenomenon creates a challenge for café business actors to not only focus on product quality and price, but also on creating an attractive atmosphere. Teman Kami Space, which is located in the coastal area of Karangpapak Beach, Garut, is a modern-classic concept café with an open feel that takes advantage of the beach view, but it is not empirically known what factors are the most dominant influencing consumers' purchasing decisions. This study aims to find out how much the effect and contribution of price perception, product quality, and café atmosphere in influencing consumer purchase decisions at Teman Kami Space cafes. The quantitative research used in this study is multiple linear regression analysis. To collect information, questionnaires were distributed to one hundred respondents who were selected by purposive sampling or price perception. The results showed that consumers' views on price and product quality did not have a significant effect on purchase decisions, while the variables of café atmosphere had a positive and significant influence. These findings indicate that consumers prioritize the comfort and atmosphere of the café or café atmosphere over price factors and product quality in making purchase decisions. Therefore, café management is advised to continue to optimize the atmosphere of the café by improving comfort, interior design, and service so that consumers are encouraged to linger and increase the possibility of making a purchase.

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