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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 285 Documents
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PENGARUH VARIABEL KEPUASAN, KEPERCAYAAN, DAN KOMITMEN AFEKTIF TERHADAP PERPINDAHAN NASABAH DI SURABAYA Andri Rachmad Setiawan; Aniek Maschudah Ilfitriah
Journal of Business & Banking Vol 2, No 1 (2012): Mei 2012
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v2i1.167

Abstract

It is a fact that banking services industry is certainly difficult to determine because of the quality of the product which is naturally intangible. In general, customers need the creation is sustainable. Yet, it is not an easy task for us because changes can occur at any time, whether the change in customers tastes or psychological aspects also followed by the changes in environmental conditions that affect aspects of their psychological, social and cultural backgrounds. This study was conducted at Bank BCA Surabaya whose objectives as the following: such as to analyze (1) the effect of affective commitment to customer satisfaction. (2) the influence of trust on affective commitment toward customers. (3) the effect of affictive commitment toward customer migration intentions, It employed 100 respondents, gathered based on nonprobability sampling or convenience sampling. The analysis technique used is multiple linear regression analysis using t-test. The results showed such as (1) satisfaction variables significantly influence the affective commitment variable, while the trust variable does not significantly influence affective commitment variable. (2) variable effective commitment significantly influences the intention variable, displacement variable customer satisfaction, and trust, while no significant effect on the intention variable displacement of cus tomers.
Tinjauan akad jual beli dan khiyar dalam situs bukalapak perspektif maslahah Arina Dyah Puspita Sari; Ika Yunia Fauzia
Journal of Business & Banking Vol 8, No 2 (2018): November 2018 - April 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i2.1644

Abstract

Review Akad Buy Sell and Khiyar in a Site Bukalapak The Perspective Of Maslahah. This research reviewing the transactions by pelapak and buyers based on akad buy and sell khiyar associated with the maslahah in a site bukalapak. The collection of data by conducting interviews to informants as many as six people, three from the buyers, two of the pelapak, and one from the company at bukalapak. Data obtained processed and analyzed with the use of case studies, as well as tested their validity. Based on the results of the study, review of akad sell buy islamic perspective can use akad sell buy salam and akad murabahah. The akad used in accordance with the groove of sell buy on the site bukalapak, buyers see the goods and the price of goods and of order goods by paying in advance, recently received the goods within the period prescribed. The implementation of khiyar in the sharia perspective in site bukalapak use khiyar syarat and khiyar 'aib. Maslahah islamic perspective in site bukalapak which can be perceived by users i.e., bring benefits as well as resist damage. Researchers expect the results of this research can be beneficial to entrepreneurs islami and perpetrators of online business in indonesia.
SIKAP PENGELOLA KEUANGAN DAN PERILAKU PERENCANAAN INVESTASI KELUARGA DI SURABAYA Meliza Silvy; Norma Yulianti
Journal of Business & Banking Vol 3, No 1 (2013): Mei 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i1.254

Abstract

Being lack and ignorant of family financial management knowledge generally is due to being lack of investment and planning for the welfare of the family. The lack of such knowledge can lead to financial decisions every day. Therefore, experience in managing finance is neces- sary. Individual experiences is a learning process in managing financial and investment planning so that in making financial decisions every day can be focused and wiser. This study focuses on financial knowledge and experience as a measure of literacy that influences the attitudes and behavior of family financial investment planning in Surabaya. This study used questionnaires which were distributed to 380 respondents. The sampling method was pur- posive sampling, based on family income with a minimum income of Rp 2,000,000 per month. The results showed that knowledge in finance and financial experience affect the investment behavior of family financial planning, financial management attitudes moderating influence and strengthen the financial knowledge and experience does not moderate influence on the behavior of financial investment planning family finances.
Analisis Pemilihan Aplikasi Pembayaran DANA Eddy Madiono Sutanto; Yessica Yessica
Journal of Business & Banking Vol 10, No 1 (2020): Mei - Oktober 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v10i1.2139

Abstract

Of the various types of e-wallet payments available, DANA is one of the fast growing payment applications in Indonesia. Within three a half month only it got half million users. What are the cause factors? Why do users like it? This study aimed to analyze quantitatively what factors influence consumers in using the DANA. It used confirmatory factor analysis model to test the model. It’s expected to contribute on e-wallet payment business strategy. The sampling technique used in this study was to use a questionnaire. The respondents are 100 who had used the DANA payment application. The obtained data were processed using the CFA factor analysis method (confirmatory analysis factor). The results show that there are three main factors that influence the choice of DANA payment applications including convenience, compatibility, and knowledge.
Pengaruh likuiditas, kualitas aktiva, sensitivitas pasar, efisiensi, dan profitabilitas terhadap CAR pada bank devisa yang go public Hadi Susilo Dwi Cahyono; Anggraeni Anggraeni
Journal of Business & Banking Vol 5, No 1 (2015): May - October 2015
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i1.476

Abstract

CAR is one indicator used to measure the bank capital adequacy. Capital for bank is used to absorb loss emerged from banking activities, and as the basis of some policies releasead by Indonesia Bank. This research tries to investigate whether the independent variables of LDR, IPR, APB, NPL, IRR, PDN, BOPO, FBIR, ROA, and ROE both simultaneous-ly and partially have significant effect on CAR and which variable has the dominant effect on CAR. This research uses secondary data taken from financial statements from period I Quarterly of 2010 until II Quartely in 2014 of the go-public national private banks. The sample consists of PT. Internasional Indonesia Bank, Tbk, PT. Permata Bank, Tbk, and PT. Pan Indonesia Bank, Tbk. The data were processed by using SPSS 11.5 input results and F-test to see the effect simultaneously as well as t-test to see the effect partially. It shows that LDR, IPR, APB, NPL, IRR, PDN, BOPO, FBIR, ROA, and ROE simultaneously have significant effect on CAR. Yet, partially, only IPR, APB, and PDN have significant effect on CAR. The most dominant is APB that is 23.45 percent.
Analisis pengaruh pengungkapan sustainability report, kinerja keuangan, dan kinerja lingkungan terhadap nilai perusahaan Aristha Purwanthari Sawitri; Nurcholis Setiawan
Journal of Business & Banking Vol 7, No 2 (2017): November 2017 - April 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i2.1397

Abstract

The goal of peneliitian is to look at the effect of disclosure of the sustainability report, the financial performance and environmental performance of companies. The sample of this research is a company entered in the index 30 in 2012 until the year 2016 and sampling method using a purposive sampling. The results of this study found that the sustainability report has no effect against the value of the company, the same result in-show by a variable performance environment where environmental performance does not affect the value of the as for the company's financial performance variables have significant influence towards the value of the company.
Pengaruh komitmen, kepercayaan, dan kepuasan terhadap retensi pelanggan Honda Matic Naldi Dwi Satriawan; M Nadjib Usman
Journal of Business & Banking Vol 8, No 1 (2018): Mei - Oktober 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i1.1516

Abstract

This study aimed to determine the effect of commitment, trust, and customer retention both partially and simultaneously. This research is also the development of research with reference to the journals and books for the theoretical framework. The subjet was determined by a purposive sampling, which consisted of 30 respondents as sample determination, and this was added with 59 respondents in order to meet the required sample as based on the theory. The data were collected by distributing questionnaires. This questionnaire is used to determine the degree of the effect of commitment, trust, and satisfaction on the customer retention. The data were analyzed by using a descriptive quantitative. The results show, that trust and customer satisfaction partially have signifi cant effect on customer retention while partial commitment does not affect customer retention. Yet, commitment, trust, and satisfaction simultaneously affect customer retention
KARAKTERISTIK SELEBRITIS SEBAGAI MODEL IKLAN DAN PERANNYA TERHADAP NIAT BELI PRODUK SEPEDA MOTOR YAMAHA PADA MAHASISWA STIE PERBANAS SURABAYA Abdurrahman M; Herizon .
Journal of Business & Banking Vol 1, No 2 (2011): November 2011
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v1i2.244

Abstract

This research is a form of causal research that is aimed to identify the causal effects of independent variable such as attractiveness, expertise, trustworthiness towards the purchase intention variable with the respondents of the students at STIE Perbanas Surabaya. This study attempts to test the hypothesis by giving questionnaires to the students. The sampling is non probability sampling and the data analysis technique is descriptive statistics. Confirmatory factor analysis is done by structural equation models (SEM) with Amos 16. It shows as the following. First, attractiveness has no influence towards the purchase intention. This means that attractiveness of the advertising model does not influence the potential customers purchase intention to buy the products supported by the advertising model. Second, expertise has no influence either towards the purchase intention. This also means that expertise of advertising model has no effect on supporting the products being advertised and has no effect either on purchase intention toward product by the potential customers. Finally, trustworthiness has positively significant influence towards the purchase intention, this means that the higher level of trustworthiness in potential customer with the advertising model will increase the prospect of potential customer purchases intention to buy the products being supported.
Pengaruh risiko usaha terhadap profitabilitas pada bank umum swasta nasional devisa Syania Dita Cahyani; Herizon Herizon
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1763

Abstract

The purposes of this study are analyzes the simultaneously and partially effect of LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR to ROA in Bank Umum Swasta Nasional Devisa. The sample of this study consisted of four banks: Bank CIMB Niaga, Bank Permata, Bank Pan Indonesia, and Maybank. This study used secondary data taken from the financial statements of  Bank Umum Swasta Nasional Devisa. The bank period from the first quarter of 2013 to the second quarter of 2018. The technique of analyzing data is descriptive analysis and used linear regression analysis, F table, t table. The result of this study indicate that analyzing LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR simultaneously have a significant effect on ROA in Bank Umum Swasta Nasional Devisa. Partial LDR, IPR and APB have unsignificant negative effect on ROA in Bank Umum Swasta Nasional Devisa. NPL and IRR partially have unsignificant positive effect on ROA in Bank Umum Swasta Nasional Devisa. PDN and BOPO partially have significant negative effect on ROA in Bank Umum Swasta Nasional Devisa. FBIR partially has significant positive effect on ROA in Bank Umum Swasta Nasional Devisa.
PENGARUH RISIKO USAHA DAN GOOD CORPORATE GOVERNANCE TERHADAP SKOR KESEHATAN BANK PADA BANK UMUM SWASTA NASIONAL DEVISA Dhita Dhora Damayanti; Herizon Chaniago
Journal of Business & Banking Vol 4, No 2 (2014): November 2014
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v4i2.373

Abstract

The purpose of research is to find out whether NPL, CKPN Credit, IRR, PDN, LDR, IPR,BOPO, FBIR, and GCG have a significant influence either simultaneously or partially towardsBanks Determining Health Score. It used a population at the National Private CommercialBank Foreign Exchange. The sample was selected based on sampling techniquesusing purposive sampling technique and used documentation data. Based on the calculationsand the results obtained testing the hypothesis that simultaneous variables NPL, CKPNCredit, IRR, PDN, LDR, IPR, BOPO, FBIR, and GCG have a significant influence on DeterminingHealth Score. It means that credit risk, market risk, liquidity risk, operational riskand GCG have significant influence to determining health score. While partially NPL, CKPNCredit, IRR, PDN, have no significant effect, IPR has no positive significant effect, LDR hasa positive effect significant, and BOPO has a negative significant effect. Among the sevenvariables, the most dominant is LDR, compared with the highest coefficient of determinationof the other independent variables.

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