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INDONESIA
Journal of Business & Banking
ISSN : 20887841     EISSN : 23033460     DOI : http://dx.doi.org/10.14414/jbb
Core Subject : Economy,
Arjuna Subject : -
Articles 317 Documents
Analisis strategi pemasaran UMKM menggunakan pendekatan kualitatif fenomenologi dalam era MEA Reza Heriyoga; Basuki Rachmat
Journal of Business & Banking Vol 5, No 2 (2015): November 2015 - April 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i2.708

Abstract

The purpose of this research was to find out and describe how the application of the mar-keting strategy is, in developing the micro small medium enterprise, in the face of ASEAN Economic Community (AEC) 2015. The study was focusing on the micro SMEs of handicraft industries e.g. leather, bags, and suitcases in Tanggulangin-Sidoarjo. The method employed in this study was the phenomenology of qualitative ap-proach. The data were collected from the owners of micro and small management, con-sumers, with the total number of 5 people and 1 from the government. It used observa-tion, documentation, and structured interview with the open questions for getting com-plete information. The results showed that the marketing strategy of the micro SME’s consisting of product, price, promotion, and distribution was not yet going well for fac-ing the ASEAN economic community 2015. In terms of products and the price, they were good but in terms of distribution and promotion, they were very weak. Other re-sults of the local government related to the condition of being still in half-measures in the development of the micro SMEs, especially in terms of the promotion and the awarding business credit.
Mengukur pengaruh kualitas layanan model CARTER terhadap kepuasan nasabah perbankan syariah Indonesia Abu Amar Fauzi
Journal of Business & Banking Vol 6, No 2 (2016): November 2016 - April 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v6i2.718

Abstract

Sharia banking in Indonesia continues to grow from year to year and there are currently 12 sharia commercial banks and 22 sharia business units of conventional banks. However, the market share of sharia banking is still less than 5% of the market share of conventional banking. This phenomenon proves that the existence of sharia banking on a dual banking system that runs in Indonesia is still a shadow of conventional banking. By using a CARTER model consisting of the dimensions of compliance, assurance, reliability, tangible, empathy, and responsiveness, this research is directed to explore the perception of customers to service quality dan its influence on customer satisfaction of sharia banking in Indonesia. Structural Equation Model (SEM) based on nonlinear regression techniques partial least square (PLS) on WarpPLS 5.0 is used to analyze the data obtained from a survey of 97 customers of Bank Muamalat Indonesia in Surabaya. These results indicate that the service quality of sharia bank has a significant relationship with customer satisfaction. Empathy has the most powerful influence on customer satisfaction of sharia bank. Yet, compliance becomes the lowest dimension of service quality that affects customer satisfaction in Indonesia sharia banks.
PENGARUH GAYA KEPEMIMPINAN TERHADAP KEPUASAN KERJA DAN KOMITMEN MANAJEMEN PADA LABORATORIUM MAWAR Fry Medistya Anke Priyono
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.v2i1.436

Abstract

It can be argued that current financial aspect is not a guarantee for a company which has good management for non-financial aspects. Therefore, such a condition requires a concept of balanced scorecard in a company, in this case, it is is a Laboratorium Mawar which is privately owned. Laboratorium Mawar tried to provide different styles of leadership to employees as a balancer of the financial aspect. Apparently, this affects job satisfaction nd employee commitment seriously so that there are four aspects of the balanced scorecard that can be balanced. Job satisfaction, for example, is a positive attitude toward work in individuals who are affected by two factors: maintenance factors and motivations factors. On the contrary, organizational commitment is the belief that strong values and organizational goals, willingness affect an extra effort in order to remain becoming a member or part of the organization. The four aspects that must be embodied in this concept include the financial, customer, internal business process and learning and growth so as to make the owner have a leadership style that makes employees comfortable in the work.
Analisis perilaku impulse buying dalam e-commerce perspektif bisnis syariah Dewinta Dora Sarrascalao
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.v8i2.1645

Abstract

Supported by the development of technology and information, some people change their buying behavior patterns from those initially offline to online systems. This study aims to examine the impulse buying behavior of online consumers in e-commerce which is viewed from the perspective of sharia business. The approach os this study is a qualititative method with a type of case study. The method of data collection in this study was to use interview methods, observation and documentation to informants. The unit of analysis of this study were nine consumers who made purchase online through a marketplace consisting of six buyers in Lazada, two buyers in  Zalora, and one buyer in BliBli, in addition there was one seller at Lazada. The results of the study show that 1)Consumers or individuals who have inclusive behavior in Lazada, Zalora and BliBli are included in the type of suggestion impulse behavior and planned impulse buying types (purchases depend on sales conditions). 2)Impulse buying behavior in e-commerce has fullfilled one or more sharia business principles, namely Lazada fulfills the principles of tauhid, adliyah, hurriyah, musawwah, and taawun, the Zalora fulfills the nabawi prinsiple, adliyah, musawwah, and hurriyah the BliBli fulfills the nabawi prinsiples, adliyah,  hurriyah, musawwah and ta’awun.
STUDI FINANCIAL MANAGEMENT BEHAVIOR PADA MASYARAKAT SURABAYA Naila Al Kholilah; Rr. Iramani
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.v3i1.255

Abstract

The financial management behavior has become prevailing issue nowadays. This is due to the societys behavior of consumptions in Indonesia, and especially in Surabaya city. This study aims to examine the relationship between Locus of Control, Financial Knowledge, and Income on Financial Management Behavior. The sample consists of 104 respondents, in Su- rabaya in which they were taken by means of Purposive Sampling. The characteristic of re- spondents such as they live in Surabaya, labor force, and they have income equal to Rp 1.500.000. Using Structural Equation Modeling on AMOS, this research found that no direct effect on Financial Management Behavior by Financial knowledge and Income. Locus of Control is positively related to Financial Management Behavior, and Locus of Control medi- ates the effect of Financial Knowledge on Financial Management Behavior.
Menguji Determinan Individual Intention to Use pada Aplikasi Traveloka Octavianus Adi Wijaya; Erna Andajani; Siti Rahayu
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.v10i1.2230

Abstract

Service and tourism companies are increasingly providing applications, one of which is Traveloka to maintain and gain a higher market share. To affect the intention to use an application,  a company needs to take a concern about the ease of the operartion, transaction security, providing an attractive promo, and also giving a good experience to users. The purpose of this study is to identify factors that influence the intention to use and actual usage such as perceived ease of use, perceived value, perceived usefulness, subjective norms, perceived trust, and image. The data were collected by a quesationnaire to 300 respondents who used the Traveloka application for the past year using a Simple Random Sampling method. The data were analysed using Structural Equation Modelling-Partial Least Square (SEM-PLS). The result indicates that perceived ease of use and perceived value do not affect the intention to use but perceived usefulness, subjective norms and perceived trust are affecting the intention to use. The intention to use also affect actual usage and image also affect actual usage.
Pengaruh likuiditas, kualitas aset, sensitivitas pasar, dan efisiensi terhadap Return On Asset (ROA) pada bank devisa yang go public Rommy Rifky Romadloni; Herizon Herizon
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.v5i1.477

Abstract

Banks are the financial institutions that have functions as the intermediary between the two parties such as those who need capital and those who have excessive capital. This research aims to analyze whether LDR, LAR, IPR, NPL, APB, IRR, PDN, BO-PO, and FBIR simultaneously and partially have significant effect on ROA. It uses secondary data taken by means of documentation method. These data were taken from published financial report of the foreign go-public national banks form first quarter of 2010 until second quarter of 2014. Multiple regression analysis was used for analysis. It shows that LDR, LAR, IPR, NPL, APB, IRR, PDN, BOPO, and FBIR simulta-neously have significant effect on ROA. In addition, LAR and FBIR, PDN, BOPO, NPL, partially have positive significant effect on ROA. But, LDR, IPR and APB, and IRR partially have negative and insignificant effect on ROA.
Pengambilan keputusan investasi investor di pasar modal Indonesia ditinjau dari Teori Reasoned Action Indra Listyarti
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.v7i2.1461

Abstract

The objective of this research is to examine the factors that influence the investor beha-vior when making investment decisions in terms of Reasoned Action Theory. This re-search consists of 190 investors in the Indonesian capital market and the data were ana-lyzed by using multiple linear regression. The results show that Macro factors have posi-tive significantly effect on Technical Information. Financial Information, Macro Factors and Subjective Norm has positive significantly effect on investor intentions. Investors' intentions and Financial Information have positive significantly effect on Investment Decisions. Furthermore the results also found that financial information has dominant contribution in detemining investor intentions and investment decisions.
Pengaruh literasi keuangan terhadap kinerja umkm di Surabaya Anjar Faishal Amri; Iramani Iramani
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.v8i1.1522

Abstract

MSME is a form of business in Indonesia. This large number of businesses has a high influence on Indonesia. The main purpose was to determine the relationship between financial literacy on MSME performance in Surabaya City. The study was used 73 data MSME owners in Surabaya City. Cluster and purposive sampling techniques were used to select a sample. The data were collected using structured questionnaires. Validity and reliability techniques were also used to test the consistency of the indicators and analytical techniques. Descriptive statistics was used to analyze the data, and data were presented in the form of tables, fi gures, and percentages. Inferential statistics was also used to test hypotesis. The fi ndings are indicative of a signifi cant effect of bookkeeping literacy, debt literacy, and budgeting literacy on MSME performance. It is recommended that MSME owner to improve the ability make and manage cash management.
KEPERCAYAAN, KOMITMEN, KOMUNIKASI, PENANGANAN KONFLIK, DAN PERANNNYA TERHADAP KEPUASAN TERHADAP LOYALITAS NASABAH BANK BCA DI SURABAYA Yunita Arum Safitri
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.v1i2.245

Abstract

The purpose of this study was to explore the relationship between trust, commitment, communication, handling conflict, and satisfaction towards the loyalty of customers of Bank BCA. In creating a customer loyalty, trust, commitment, communication, conflict handling and satisfaction are variables to consider in long-term survival for a company, especially in banking industries. It provides the results those only the variables of conflict handling and satisfaction that have a significant positive effect on the customer loyalty variables. This study analyzes to what degree trust, commitment, communication; conflict handling and satisfaction affect the customer loyalty BCA bank in Surabaya. The results of this study showed that the regression coefficient between the variables of the conflict on the handling of customer loyalty is at 0.183 with a t-count of 2.220, while the regression coefficient between the variable satisfaction with the loyalty of 0.302 to 2.883 for t-count test is carried out through a questionnaire with judgment method of sampling of 125 respondents, while the test equipment used in this study is by using SPSS 12.0.

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