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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 348 Documents
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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): Volume 15 Nomor 2
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): Volume 15 Nomor 2
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.  
Rahasia Kesejahteraan Keuangan Generasi Sandwich: Analisis Finansial dan Beban Utang di Medan Yulia Tarigan; Khaira Amalia Fachrudin; Amlys Syahputra Silalahi; Mutia Fitri Chania
Journal of Business & Banking Vol 15 No 2 (2025): Volume 15 Nomor 2
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i02.5622

Abstract

This study aims to analyze the effect of Financial Stress, Income, Debt-to-Income Ratio, and Financial Literacy on the financial well-being of the sandwich generation in Titi Rantai Village, Medan Baru District. The background of this research is based on the increasing financial pressure faced by the sandwich generation due to intergenerational financial responsibilities, which potentially reduce financial stability and well-being. This study employs a quantitative approach with an associative research design. The population consists of sandwich generation individuals with criteria including productive age (25–60 years), having intergenerational financial responsibilities, and earning income. The sample comprises 110 respondents drawn from ten neighborhoods within the study area. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that Financial Stress and Debt-to-Income Ratio have a negative and significant effect on financial well-being, while Income and Financial Literacy have a positive and significant effect. These findings suggest that financial well-being is influenced by economic capacity, financial management capability, and psychological conditions. The study implies that improving financial literacy and effective debt management are essential strategies to enhance the financial well-being of the sandwich generation.
Peran TikTok sebagai Platform Promosi Digital dalam Mendorong Intensi Pembelian Produk Kuliner Lokal Ni Komang Mela Tri Utari; Esa Setiawati; Ni Luh Laksmi Rahmantari; I Putu Dharmawan Suryagita Susila Putra; I Gusti Ayu Lia Yasmita
Journal of Business & Banking Vol 15 No 2 (2025): Volume 15 Nomor 2
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414//jbb.v15i02.5623

Abstract

This study aims to analyze the role of TikTok as a digital promotion platform in encouraging purchase intention toward local culinary products at the MSME Es Teler Tidar Sukodono. The development of digital technology has significantly transformed consumer behavior, particularly in the process of information searching and purchasing decision-making. This study employs a descriptive approach using a mixed-method design, combining qualitative data obtained through interviews and observations with quantitative data collected through questionnaires distributed to 50 respondents. The data were analyzed using descriptive percentage techniques and qualitative interpretation. The results indicate that promotion through TikTok achieved an average score of 94.24%, which falls into the “very feasible” category. This finding suggests that TikTok is effective in increasing consumer purchase intention. Furthermore, interview results reveal that engaging visual content, the use of trends, and interactive features on TikTok are able to enhance product attractiveness and influence purchasing decisions.
Salespeople’s Customer Orientation and Customer Satisfaction: An SDL Perspective Hayat Yusuf; Ardiansyah Goeliling; Astil; Syahra
Journal of Business & Banking Vol 15 No 2 (2025): Volume 15 Nomor 2
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i02.5639

Abstract

This study aims to examine the influence of service quality and salespeople’s customer orientation on perceived value and customer satisfaction, as well as the mediating role of perceived value and the moderating role of brand image in the relationship between perceived value and customer satisfaction. This research was conducted on bank credit customers in Kendari City using a quantitative approach with an explanatory research design. Data were collected through a survey using a structured questionnaire distributed to 340 respondents. The data were analyzed using Structural Equation Modeling to test the diresct, indirect, and moderation effects in the proposed research model. The results show that service quality and salespeople’s customer orientation have positive effects on perceived value and customer satisfaction. Perceived value also has a positive effect on customer satisfaction, indicating that customers tend to be more satisfied when they perceive that bank credit services provide benefits that are worth the cost, time, effort, and risk involved. In addition, perceived value mediates the relationship between service quality and customer satisfaction, as well as the relationship between salespeople’s customer orientation and customer satisfaction. The findings also confirm that brand image strengthens the effect of perceived value on customer satisfaction.
Quantum-Native Organisational Design: Managing Non-Linearity and Superposition in Strategy: An Empirical Investigation of South African Enterprises DICKSON MDHLALOSE
Journal of Business & Banking Vol 15 No 2 (2025): Volume 15 Nomor 2
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i02.5643

Abstract

This research examines how Quantum-Native structures outperform standard linear ones. Using information from 384 companies in South Africa and a statistical method called AMOS Structural Equation Modelling, this study looked at whether Quantum-Native organisations (with ‘strategic superposition’ holding multiple strategies at once, flexible departments, and intentionally following strategies that seem to oppose each other) do better than traditional, straightforward ones. And the results are very clear. Businesses using quantum-native principles are much more adaptable (β = 0.67, p < 0.001), are more successful at innovating (β = 0.58, p < 0.001), and have a bigger edge over the competition (β = 0.72, p < 0.001) compared to those with the older, Newtonian approach. Strategic superposition, structures in which decision-making is distributed, and teams work independently, and a way of managing people to suit quantum principles are the main reasons for success in this new way of doing things. This calls into question many management ideas that rely on a simple, one-thing-leads-to-another understanding of how things happen, and it is the first time it has proven what a quantum approach to management looks like. 
The Effect of Behavioral Propensity on Financial Risk Tolerance among Investor: The Role of Religiosity as a Moderating Variable William Christhoper; Werner R. Murhadi; Endang Ernawati
Journal of Business & Banking Vol 15 No 2 (2025): Volume 15 Nomor 2
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i02.5668

Abstract

This research aims to examine the effect of behavioral propensities variables that included propensity for regret, propensity for trust, happiness in life, propensity to attribute success to luck, propensity for overconfidence, and propensity for social interaction, on the variable of financial risk tolerance, as well as the moderating effect of religiosity. This study employs a quantitative approach using SEM (Structural Equation Modelling) analysis methods. This research was conducted by distributing questionnaires to investors aged 17 and above in Surabaya. The findings indicate that propensity for trust and propensity for social interaction significantly influence financial risk tolerance. However, propensity for regret, happiness in life, propensity to attribute success to luck, and propensity for overconfidence do not affect financial risk tolerance. Furthermore, regarding the moderating variable, religiosity influences all six behavioral propensity variables— propensity for regret, propensity for trust, happiness in life, propensity to attribute success to luck, propensity for overconfidence, and propensity for social interaction—toward financial risk tolerance.
Meningkatkan Budaya Keselamatan Pasien di Rumah Sakit Gigi melalui Disiplin, Lingkungan, Kepemimpinan, dan Komitmen Organisasi Edtalia Kusuma Dewi; Tatik Suryani
Journal of Business & Banking Vol 15 No 2 (2025): Volume 15 Nomor 2
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v15i02.5691

Abstract

Patient safety culture is not solely determined by the availability of procedures, but also by work practices consistently embedded in organizational routines. This study aims to analyze the effects of work discipline, work environment, and leadership on patient safety culture and to examine the moderating role of organizational commitment at IIK Bhakti Wiyata Dental and Oral Hospital in Kediri. A quantitative approach with a survey design was employed. Data were collected through questionnaires distributed to 68 respondents who met the inclusion criteria and were analyzed using multiple linear regression and Moderated Regression Analysis (MRA) with SPSS. The findings show that work discipline, work environment, and leadership have positive and significant effects on patient safety culture. Among these variables, leadership emerges as the most influential factor, indicating the importance of consistent direction, exemplary conduct, and open communication in healthcare services. However, organizational commitment does not moderate the effects of work discipline, work environment, or leadership on patient safety culture. These findings suggest that strengthening patient safety culture requires more than employee attachment to the organization. It should be supported by effective leadership, a safe and supportive work environment, and disciplined practices consistently applied in service delivery.

Page 35 of 35 | Total Record : 348

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