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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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Pemberdayaan Baitul Maal wat Tamwil (BMT) melalui Interbank network sebagai solusi optimasi perekonomian nasional Nur Ghaziyatul Iffah; Dian Fatma Hadi
Journal of Business & Banking Vol 7, No 1 (2017): Mei - Oktober 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i1.1466

Abstract

This research aims to see the existence and development of BMT in Indonesia, BMT’s potencial in existing interbank network and to see the steps to optimize the BMT. The method used is descriptive qualitative with secondary data approaches by collecting relevant information based on the topic or problems that are being studied through media such as news, internet sites, journals that discuss about the problem’s issues related with BMT’s role dan giving synthesis based on those information. BMT’s development through the inceasing expansion of network between BMT and Syariah Micro-Financial Entity which is a solution to create a powerful BMT, independent and professional. With the existance of interbank network that based on syariah, hopefully this can be the solution to empower Syariah Micro-Financial Entity to increase sustainably the services quality as form of trust, effort and government’s concern towards Syariah Micro-Financial Entity in the development of national economy.
STUDI MANFAAT YANG DICARI NASABAH UMKM DAN PENGARUHNYA TERHADAP KEPUASAN PADA LAYANAN KREDIT BANK KONVENSIAL Anissa Sukmaputri; Rr. Iramani
Journal of Business & Banking Vol 3, No 2 (2013): November 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i2.240

Abstract

This research tries to review the factors determining the benefit expected by Micro, Small and Medium enterprise bank customers. It also reviews the effect of benefit expected on satisfaction of credit services given by conventional banks. Besides, this study compares some factors expectedbetween micro, small and medium enterprise bank customers. It is based on theory relationship of relational benefit and satisfaction. With the sample of 150 conventional bank customers of Micro, Small and Medium enterprise in Surabaya and cities surround, analysis is done. This analysis is conducted by descriptive analysis, factor, and multiple regressions using SPSS 18. Relational benefits are expected by micro enterprise is that the customer intimacy to contact personnel, and trust over quality, both factors are influencing satisfaction. For small enterprises, relational benefits expected are that customer intimacy to contact personnel and also conformity of services and priority. From these three factors, factors influencing satisfaction is conformity of services and priority. While for medium enterprises relational benefits expected is customer intimacy to contact personnel, additional services and conformity of services. From these three factors, factors influencing satisfaction is additional services and conformity of services.
Bank syariah: peran sosial dalam kerangka maqashid syariah dan profitabilitas di negara Qatar dan Indonesia Kartika Sari
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.v9i2.1834

Abstract

This research aims to determine the role of social Islamic bank and the Islamic bank's business objectives are gaining profit. Islamic banks are tied to sharia principles and carry on social roles in the concept of Sharia Maqashid in conducting its business.The social role is to carry out social values such as education, justice and social welfare. The method used to determine the social role of Sharia banks is by measuring Maqashid Index Syariah Index (MSI) while the profitability is known using the comparative Performance index method on seven Islamic banks spread across The country of Qatar and Indonesia in 2010-2017.To know both social roles and profitability using Quadrant Analysis Measurememnt (QAM).The results showed that of the seven Islamic banks spread across the country of Qatar and Indonesia, Only three Islamic banks are good for the profitability of the Bank, there are Qatar International Islamic Bank, Qatar Islamic Bank and Bank Syariah and Mandiri. But the achievement of the social role of the three Islamic banks is not good so that in the the Upper Left Quadrant (ULQ). Meanwhile, four other sharia namely Barwa, Bank Muamalat Indonesia, Syariah National Bank and Bank Rakyat Indonesia Syariah do not well achieve the social role and profitability so that in the Lower Left Quadrant (LLQ).
PENGARUH KREDIBILITAS MEREK TERHADAP NIAT BELI DENGAN MEDIASI KUALITAS YANG DIRASA KONSUMEN PRODUK BATIK JETIS DI SIDOARJO Banu Caesar Firmansyah; Emma Julianti
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.v4i2.369

Abstract

The purpose of this study is to examine the effect of brand credibility on the purchase intentionmediated by consumers perceived quality of batik Jetis in Sidoarjo. This research wasconducted in Sidoarjo communities who have seen batik Jetis Sidoarjo. The data used wereprimary data obtained directly from respondents by using questionnaire. The respondentswere batik Jetiss consumers. Samples used were selected through judgment sampling techniques.One hundred forty five questionnaires were distributed to the respondents. One hundredand ten data was analyzed using SEM and processed using software AMOS 21. The resultsshowed that brand credibility has a significant influence on customers perceived quality.While customers perceived quality has no significant effect on the purchase intention.Likewise, brand credibility has no significant influence on customers purchase intention.Based on these results we can conclude that customers perceived quality does not mediatethe relationship between the credibility of the brand with the customers purchase intention.
FINANCIAL CAPABILITY STUDY OF MICRO, SMALL AND MEDIUM ENTERPRISES OWNER WITH SUPERIOR PRODUCT IN MADIUN REGENCY Agnisa Sahrul Riffianto; Tatik Suryani
Journal of Business & Banking Vol 6, No 1 (2016): Mei - Oktober 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v6i1.895

Abstract

Financial Capability is become the main topic in this study. The firts aim of this study is to analyze and measure financial capability of MSME (Micro, Small and Medium Enterprises) owner with superior products. The subjects of this study are MSME owner in Madiun Regency, East Java, Indonesia. Financial Capabilty measure by Funding Decision, Proft Sharing, Investment Decision and Financial Performance. By using triangulation method, this study found that Fincancial Capability of the MSME owner still on low level. MSME's funding decision is limited and not supported by third party like Bank. MSME's profit sharing is good for MSME's development. But their perception about business development is not right.  MSME's Investment decision perception about land investment is wrong.
FAKTOR-FAKTOR PENENTU KUALITAS JASA PERBANKAN (KAJIAN DARI PERSPEKTIF GENDER DAN POSISI PEKERJAAN PADA KARYAWAN BANK SURABAYA) Magdalena Francisca Toar; Tatik Suryani
Journal of Business & Banking Vol 1, No 1 (2011): Mei 2011
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v1i1.150

Abstract

Banks need to review what kind of service quality is expected by the customers. Before determinethe service quality strategy, it is necessary to synchronize the bank perception whichis represented by the perception of frontline and back-office employees, and customers toavoid gaps. The objectives of this study are such as (1) to examine the factors that determinethe service quality from perspective bank employee based on their position in frontline andback-office, and (2) to verify the perceptions differences on service quality based on gender.By judgmental and purposive sampling, this research gained 100 employees of banks in Surabayacity. Data were collected by questionnaire method. By using factor analysis and independentsample test, this research found that there are seven determinants of banking servicequality that are perceived by the employees and no differences in the perceptions of thedeterminants of service quality between frontline and back-office employees, neither on genderbased
PENGARUH KEPUASAN TERHADAP LOYALITAS DENGAN MEDIASI KOMITMEN PADA NASABAH BANK BCA KCP NGORO MOJOKERTO Ika Riskiyati
Journal of Business & Banking Vol 2, No 2 (2012): November 2012
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v2i2.177

Abstract

Loyalty is the condition in which the customers have positive attitude towards a product both manufactured and service. In addition, the more qualified the product the loyal the customers are. Therefore, it is important for the company to maintain the customers loyalty. This study attempts to provide good input for the banking industries about the product quality and the influence towards the customer loyalty. it was found that how customer satisfaction, loyalty and commitment are defined and related to one another. The data were collected using questionnaire was that this sampling provides judgment such as when implementing this technique the sampling process required such as minimum age of respondents l7 years and more than 45 years, has been long enough to be a customer of minimally 3 months and more than 5 years, and the respondents of this research were the customers of BCA KCP (offce branch) in Ngoro, It was based on 110 responses collected from Bank of BCA KCP Ngoro Mojokerto. The method analysis in this research was Maximum Likelihood test using the program AMOS version 18.0. The results showed that only three hypotheses were accepted; the customer satisfaction towards the customer commitment has a significant influence, customer commitment towards the customer loyalty has a significant influence, and the customer satisfaction towards the customer loyalty with a customer commitment as a mediating has a significant influence.
Pengaruh kegunaan, kesesuaian, keuntungan, motivasi, dan risiko terhadap niat perilaku pada mobile banking Bank Mandiri di Surabaya Muhammad Ilham Mandrata; Yudi Sutarso
Journal of Business & Banking Vol 9, No 1 (2019): Mei - Oktober 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i1.1501

Abstract

Mobile banking, as a banking service, has been popular in a couple of years. In Indonesia, many banks have already this kind of service. The study aims to examine the influence of perceived usefulness, compatibility, relative advantage, hedonic motivation, and perceived risk on customer’s behaviour intention to use mobile-banking of Bank Mandiri in Surabaya. In this research, the data were collected by questionnaires distributed to 125 respondens, using Mandiri mobile-banking. They were selected based on judgement sampling. The data were analyzed using partial least square. It shows that perceived usefulness and relative advantage have a positive effect on behavior intention, but compatibility and hedonic motivation has not. Besides that, perceived risk has negatif effect on the intention to use mobile banking service.
PENGARUH PROFITABILITAS, LEVERAGE, DAN LIKUIDITAS TERHADAP RETURN SAHAM DENGAN NILAI TUKAR SEBAGAI VARIABEL MODERASI PADA SAHAM LQ-45 Anis Sutriani
Journal of Business & Banking Vol 4, No 1 (2014): Mei 2014
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v4i1.294

Abstract

The investors purpose is to get the stock return so that they should pay attention to the rise and fall of financial performance, macro factors that can affect stock return. This study examines (1) simultaneously the effect of profitability, leverage, and liquidity on stock return (2) partially the positive effect of profitability and leverage on stock return (3) partially the effect of liquidity on stock return (4) the exchange rate as a variable moderating the effect of profitability, leverage, and liquidity on stock return. Stock return is dependent variable, while profitability, leverage, and liquidity are the independent variables. The samples consists of listed companies in LQ-45, period 2008-2011 which were taken by purposive sampling from the 79 companies listed in Indonesia Stock Exchange but only 14 companies as sample. Multiple regression and multiple regression analysis with interaction were used for analysis test. The result shows simultaneously return on assets, debt to equity ratio, cash ratio have no effect on stock return and partially only return on asset (?=5%) and debt to equity ratio (? =10%) have effect on stock return. When exchange rate is used as a moderating variable, it was found that return on asset and debt to equity ratio was not moderating variable on stock return.
Pengaruh risiko kredit terhadap permodalan dengan efisiensi sebagai variabel intervening Achmad Achmad; Emanuel Kristijadi
Journal of Business & Banking Vol 10, No 2 (2020): November 2020 - April 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v10i2.2404

Abstract

Capital for the banking industry as a safeguard against possible risks is very important. This study aims to analyze whether NPL, CKPN, LAR, and BOPO have a significant effect on CAR. This research uses secondary data, taken by documentation method. The data were obtained from the Bank’s financial reports (Book 3) for the 2016-2019 period from the published reports of the Financial Services Authority (OJK). The data were analyzed using a descriptive analysis and Multiple Regression Analysis (MRA). The results show that NPL, CKPN, and LAR have a significant positive effect on BOPO. The effect of NPL, CKPN, and LAR is significantly negative on CAR. The effect of the BOPO variable on CAR is positive but insignificant. Meanwhile, the effect of NPL, CKPN, LAR through BOPO as an intervening variable on CAR is negative and insignificant. The research results imply that, in the future, banks can control the number of non-performing loans so that the cost of funds reserved for problem loans does not increase.

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