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INDONESIA
Journal of Business & Banking
Published by Universitas Hayam Wuruk Perbanas
ISSN : 20887841     EISSN : 23033460     DOI : http://dx.doi.org/10.14414/jbb
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 325 Documents
 29   30   31   32   33 
Optimalisasi Pemasaran Konten dalam Meningkatkan Keputusan Pembelian pada Dian Abadi Frozen Food Laila Ramadhani; Mubarokah; Fatchur Rozci
Journal of Business & Banking Vol 15 No 01 (2025): Mei-Oktober 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i01.5372

Abstract

Peningkatan persaingan dalam pemasaran digital, terutama di media sosial telah menimbulkan kekhawatiran di kalangan pelaku bisnis. Beberapa  bisnis belum memanfaatkan promosi di media sosial secara optimal, termasuk UD Dian Abadi Frozen Food, sebuah toko makanan beku. Pihak karyawan telah aktif mengelola akun media sosial namun mereka masih belum mencapai target rata-rata jumlah tayangan konten yang diinginkan. Penelitian berikut bertujuan menganalisis pengaruh content marketing terhadap keputusan pembelian dan merumuskan tindakan pengembangan pemasaran konten. Data dikumpulkan melalui wawancara, observasi, kuesioner, artikel ilmiah, dan buku. Metode sampling purposif digunakan untuk memilih 100 responden yang telah memenuhi kriteria sampel. Data dianalisis menggunakan regresi linier berganda dan analisis deskriptif. Hasil menunjukkan bahwa secara bersamaan, semua dimensi EPIC memiliki pengaruh terhadap keputusan pembelian, akan tetapi secara parsial, dimensi empati dan persuasi tidak menunjukkan adanya pengaruh. Temuan ini memberi kontribusi penting bagi pelaku usaha dalam mengoptimalkan konten di media sosial. Implikasi penelitian ini yaitu UD Dian Abadi Frozen Food perlu mempertahankan strategi konten yang telah efektif dan memperbaiki konten yang kurang disukai konsumen. 
Biometric Technology in Digital Banking: Insights from Generation Z and Millennials Herwin Ardianto; Chitra Laksmi Rithmaya; Larasati Ayu Sekarsari
Journal of Business & Banking Vol 15 No 01 (2025): Mei-Oktober 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i1.5378

Abstract

Biometric technology offers various conveniences and security features that can enhance the user experience of digital banking. This study explores the adoption of biometric technology in digital banking among Indonesian Generation Z and Millennials. Utiliz-ing the Technology Acceptance Model (TAM), we investigate factors influencing atti-tudes, intentions, and actual use of biometrics among 326 respondents. Data analysis was performed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). Findings indicate that perceived usefulness, ease of use, security, and convenience signif-icantly affect user attitudes, intentions, and actual usage. Additionally, perceived use-fulness moderates the relationship between perceived ease of use and attitudes toward biometric adoption. These insights are crucial for financial institutions aiming to en-hance user acceptance of biometric systems, contributing to secure and user-friendly digi-tal banking solutions for younger consumers in Indonesia.
Dari interaksi ke transaksi: Apakah hubungan adalah kunci di balik niat untuk membeli? Fiola Augustine Patricia; Juliani Dyah Trisnawati; Prita Ayu Kusumawardhany
Journal of Business & Banking Vol 15 No 01 (2025): Mei-Oktober 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i01.5412

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor interpersonal terhadap swift guanxi serta dampaknya terhadap pur-chase intention dalam konteks Live Stream Shopping (LSS) di Indo-nesia. Faktor interpersonal yang diteliti meliputi perceived expertise, similarity, familiarity, likeability, informativeness, dan responsive-ness. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data diperoleh dari 174 responden yang memenuhi kriteria, kemudian dianalisis dengan menggunakan Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa hampir seluruh faktor interpersonal ber-pengaruh signifikan terhadap swift guanxi, kecuali perceived similar-ity yang tidak terbukti signifikan. Selanjutnya, swift guanxi ber-pengaruh positif terhadap purchase intention. Dengan demikian, kualitas interaksi yang dibangun streamerm terbukti mampu mem-bangun swift guanxi, yang pada akhirnya meningkatkan intensi pembelian dalam LSS. Kesimpulan pada penelitian ini menegaskan bahwa keberhasilan LSS tidak hanya ditentukan oleh aspek produk dan harga saja, tetapi juga sangat dipenmgaruhi oleh kualitas in-teraksi interpersonal. Maka dari itu, streamer perlu membangun startegi komunikasi yang menekankan kredibilitas, personal, dan responsif guna meningkatkan konversi penjualan.
Peran Mediasi Perilaku Keuangan pada Keputusan Investasi Erika Stephani Putri Hendrika; Dewi Ayu Wulandari; Lutfi
Journal of Business & Banking Vol 15 No 01 (2025): Mei-Oktober 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i01.5508

Abstract

Generasi Z yang tumbuh bersama dengan teknologi dan kemudahan akses informasi memiliki cara pandang yang berbeda dalam melakukan keputusan investasi. Generasi Z memiliki potensi yang cukup besar dalam memaksimalkan peluang investasi, sehingga hal tersebut menarik untuk diteliti. Tujuan dari penelitian ini yaitu untuk menganalisis pengaruh literasi keuangan dan pendapatan terhadap keputusan investasi generasi Z melalui mediasi perilaku keuangan. Teknik pengumpulan data dilakukan dengan menyebarkan kuesioner. Metode pengambilan sampel menggunakan purposive sampling yang dilakukan kepada 144 generasi Z yang telah melakukan investasi dan berdomisili di Surabaya. Teknik analisis data yang digunakan yaitu Structural Equation Model Partial Least Square (SEMPLS). Hasil penelitian yang dilakukan menunjukkan bahwa literasi keuangan tidak berpengaruh terhadap keputusan investasi sedangkan perilaku keuangan dan pendapatan berpengaruh positif signifikan terhadap keputusan investasi, perilaku keuangan tidak mampu memediasi literasi keuangan terhadap keputusan investasi namun mampu memediasi pendapatan terhadap keputusan investasi. Hasil penelitian ini berimplikasi pada generasi Z meningkatkan perilaku keuangan yang dimiliki agar lebih berani dalam melakukan pengambilan keputusan investasi.
Efficiency Effects on Iranian Banks’Performance and Stability during COVID-19 Zahra Mojdeh; Zabihollah Taheri
Journal of Business & Banking Vol 15 No 01 (2025): Mei-Oktober 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i01.5457

Abstract

This research investigates the impact of market concentration and operational efficiency on the financial performance (Return on Assets and Return on Equity) and financial stability (Z-score) of banks listed on the Tehran Stock Exchange, particularly during the unprecedented COVID-19 pandemicperiod. Utilizing panel data from 10 Iranian banks over the period 2014-2023, three distinct regression models were analyzed with the aforementioned dependent variables and interaction terms with a COVID-19 period dummy variable.Descriptive statistics and inferential tests, including the F-Limer and Hausman tests, were employed to identify the appropriate estimation models. Findings consistently indicate that operational efficiency significantly enhances bank performance and financial stability across all models, both during normal periods and during the pandemic. In contrast, market concentration does not demonstrate a statistically significant effect on performance or stability. DuringtheCOVID-19pandemic, the moderating effect of efficiency remains positive and significant, while concentration continues to show no impact.The models yield substantial explanatory power, with adjusted R-squared values ranging from 43% to 62%, and their F-statistics confirm overall robustness and significance. Durbin-Watson statistics suggest no first-order autocorrelation. These findings underscore the critical role of efficiency in sustaining bank profitability and resilience during economic shocks, providing relevant insights for policymakers and regulators aiming to enhance the banking sector’s preparedness for future crises
Model Kebijakan Dividen pada Bank Pembangunan Daerah di Indonesia dengan Ukuran Perusahaan Sebagai Moderasi Sindy Friska Alfiana; Linda Purnama Sari
Journal of Business & Banking Vol 15 No 01 (2025): Mei-Oktober 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i01.5538

Abstract

Dividend policy is an important corporate decision in determining the proportion of profits distributed to shareholders and reflects a company’s financial condition and performance. This study aims to analyze the effect of profitability, liquidity, and capital adequacy on dividend policy, with firm size as a moderating variable, in Regional Development Banks (BPD) in Indonesia during the 2020–2024 period. The research problem focuses on differences in dividend policies among BPDs and the financial factors influencing them. This study uses secondary data in the form of annual financial statements obtained from the official website of the Financial Services Authority (OJK). The sampling method employed was purposive sampling, resulting in a sample of 24 BPDs with a total of 120 observations. Data analysis techniques include descriptive statistical analysis, multiple linear regression, and Moderated Regression Analysis (MRA). The results indicate that profitability has a positive and significant effect on dividend policy, liquidity has a positive but insignificant effect, and capital adequacy has a negative and significant effect on dividend policy. Firm size is unable to moderate the effect of profitability and liquidity on dividend policy. The findings may serve as a consideration for BPD management in making dividend distribution decisions.
Antecedents of Freelance Tutor Loyalty at IBSI Education: A Job Satisfaction Mediation Study Irma Arista
Journal of Business & Banking Vol 15 No 01 (2025): Mei-Oktober 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i01.5572

Abstract

With job satisfaction serving as an intermediary variable, the purpose of this study was to investigate how job engagement, pay, and perceived organizational support affect the loyalty of independent tutors employed by IBSI Education. This study used a quantitative approach, collecting data from 208 participants and processing it using the PLS SEM technique with the aid of SmartPLS 4.0 software. The findings show that loyalty is significantly positively impacted by work engagement, pay, and perceived organizational support. The mediation test's findings demonstrated that job satisfaction significantly mediated the relationships between perceived organizational support and loyalty as well as between work engagement and loyalty. On the other hand, job satisfaction did not play a substantial mediating role in the link between loyalty and compensation. These results imply that while perceived organizational support and work engagement necessitate job satisfaction to optimize retention, fair compensation immediately fosters loyalty for independent tutors regardless of satisfaction levels. In order to lower tutor turnover, this study advises IBSI Education administration to maintain a competitive honorarium system and bolster operational support.
Analisis Multikelompok Loyalitas dan Kepuasan Pelanggan GoFood: Peran Gender dan Lama Penggunaan Adhika Putra Wicaksono; Vanessa Marshanda Elim; Juliani Dyah Trisnawati
Journal of Business & Banking Vol 15 No 2 (2025): November (2025) - April (2026)
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414//jbb.v15i02.5573

Abstract

This study examines the determinants of customer loyalty in the online food delivery service GoFood by analyzing the role of customer sat-isfaction and testing the moderating effects of gender and length of service usage. The research addresses the increasing competition in digital food delivery platforms and the need to understand behav-ioral differences among users. The purpose of this study is to ana-lyze the influence of service quality and perceived value on custom-er satisfaction and loyalty, and to determine whether gender and duration of use strengthen these relationships. This research em-ploys a quantitative approach, using a survey with structured questionnaires administered to GoFood users in Surabaya. The da-ta were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) and multigroup analysis. The findings indi-cate that service quality and perceived value significantly influence customer satisfaction, which in turn has a positive and significant effect on customer loyalty. Furthermore, the multigroup analysis reveals differences in the strength of relationships based on gender and length of usage. The results imply that digital platform pro-viders should adopt differentiated marketing strategies to enhance long-term customer loyalty.
Market Structure, Conduct, and Performance of Indonesian Banking Industry Mohammad Sofyan; Mintarti Indartini; Amikul Pricilia Maswati Dewi
Journal of Business & Banking Vol 15 No 2 (2025): November (2025) - April (2026)
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414//jbb.v15i02.5591

Abstract

This study examines the interrelationship between market structure, bank conduct, and financial performance in Indonesia’s commercial banking industry using the Structure–Conduct–Performance (SCP) framework. The analysis focuses on the four largest banks—BCA, BRI, Mandiri, and BNI—over the period 2015–2024, representing a highly concentrated oligopolistic market. Using a balanced panel dataset and fixed-effects regression, this study investigates whether structural dominance, proxied by bank size, influences lending behavior and profitability. The results show that bank size has a positive and significant effect on credit distribution, indicating that larger asset bases enhance intermediation capacity. Credit distribution, in turn, significantly improves profitability as measured by Return on Assets (ROA). However, the direct effect of size on ROA is negative and significant, suggesting the presence of diseconomies of scale. These findings imply that while market structure determines conduct, financial performance is driven more by managerial efficiency and effective credit allocation than by structural dominance alone. The study concludes that the SCP paradigm operates sequentially but not symmetrically in Indonesia’s concentrated banking market. Policy implications emphasize the importance of operational efficiency and credit quality management alongside structural oversight
Pengaruh Corporate Social Responsibility (CSR) dan Leverage Terhadap Kebijakan Dividen dengan Ukuran Perusahaan Sebagai Variabel Moderasi Andini Novita; Wiwik Lestari; Linda Purnama Sari
Journal of Business & Banking Vol 15 No 2 (2025): November (2025) - April (2026)
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414//jbb.v15i02.5595

Abstract

ABSTRACT This study aims to examine the effect of Corporate Social Responsibility (CSR) disclosure and leverage on corporate dividend policy. Dividend policy is treated as the dependent variable and is proxied by the dividend payout ratio and dividend to sales. The independent variables are CSR disclosure, measured using the CSR Score, and leverage, measured by the debt-to-asset ratio. This study also employs firm size as a moderating variable, measured by the natural logarithm of total assets. The population consists of companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2023 period, selected using a purposive sampling method. The study uses 92 observations as the sample. The data used are secondary data obtained from companies’ annual reports and sustainability reports. This research adopts a quantitative approach using panel data regression analysis. The results show that CSR disclosure has a positive and significant effect on the dividend payout ratio but does not have a positive effect on dividend to sales. Leverage has a negative and significant effect on dividend policy, both when proxied by the dividend payout ratio and dividend to sales. Furthermore, the moderating role of firm size in the relationship between CSR disclosure and dividend policy shows insignificant results when dividend policy is proxied by the dividend payout ratio, but shows a strengthening and significant effect when proxied by dividend to sales. The theoretical implication of this study supports stakeholder theory, which suggests that companies are not only responsible to shareholders but also to all stakeholders.  

Page 32 of 33 | Total Record : 325

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