Family financial-management is vital for achieving a financial well-being. When a family has a barely-enough income that is managed properly and wisely, it is possible that the family can live peacefully, happily, and prosperously. Although people know the importance of family financial- management, there are still many families who haven’t applied a financial management in their families. This study aimed to examine the impact of behavioral intention and spiritual intelligence on family financial-management. The sample was taken from financial managers of families that live in Gresik, Surabaya, Sidoarjo, and Mojokerto. The sample was taken using a purposive sampling based on family income with a minimum total income Rp 4,000,000/month and snowball sampling. The data were taken by distributing the questionnaires. The results show that the behavioral intention has a positive and significant effect on family financial-management and spiritual intelligence laso has a positive impact but not significant on family financial-management.
{"title":"Pengaruh niat berperilaku dan kecerdasan spiritual terhadap pengelolaan keuangan keluarga","authors":"Ririt Faridawati, Mellyza Silvy","doi":"10.14414/jbb.v7i1.1465","DOIUrl":"https://doi.org/10.14414/jbb.v7i1.1465","url":null,"abstract":"Family financial-management is vital for achieving a financial well-being. When a family has a barely-enough income that is managed properly and wisely, it is possible that the family can live peacefully, happily, and prosperously. Although people know the importance of family financial- management, there are still many families who haven’t applied a financial management in their families. This study aimed to examine the impact of behavioral intention and spiritual intelligence on family financial-management. The sample was taken from financial managers of families that live in Gresik, Surabaya, Sidoarjo, and Mojokerto. The sample was taken using a purposive sampling based on family income with a minimum total income Rp 4,000,000/month and snowball sampling. The data were taken by distributing the questionnaires. The results show that the behavioral intention has a positive and significant effect on family financial-management and spiritual intelligence laso has a positive impact but not significant on family financial-management.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"52 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132324002","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The purpose of investors to invest their fund is to get the stock return. Therefore, they need to understand the company's financial performance and macro-economic factors that can affect the acquisition of stock returns. This study tried to analyze the effects of profitability, liquidity, leverage, and interest rates on stock return. The data were taken from the stock in LQ-45 index period 2012-2014. The sample was taken using a purposive sampling obtained a sample of 24 companies. Analysis techniques used multiple linier regression analysis, the result shows simultaneously return on equity, quick ratio, debt to equity ratio, and interest rates have significant effect on stock return. Partially return on equity and quick ratio have no significant effect on stock return and debt to equity ratio and interest rate have significant effect on stock return.
{"title":"Pengaruh profitability, liquidity, leverage, dan interest rates terhadap stock return untuk LQ-45 Index","authors":"Soni Firmansyah, Linda Purnamasari","doi":"10.14414/jbb.v7i1.1464","DOIUrl":"https://doi.org/10.14414/jbb.v7i1.1464","url":null,"abstract":"The purpose of investors to invest their fund is to get the stock return. Therefore, they need to understand the company's financial performance and macro-economic factors that can affect the acquisition of stock returns. This study tried to analyze the effects of profitability, liquidity, leverage, and interest rates on stock return. The data were taken from the stock in LQ-45 index period 2012-2014. The sample was taken using a purposive sampling obtained a sample of 24 companies. Analysis techniques used multiple linier regression analysis, the result shows simultaneously return on equity, quick ratio, debt to equity ratio, and interest rates have significant effect on stock return. Partially return on equity and quick ratio have no significant effect on stock return and debt to equity ratio and interest rate have significant effect on stock return.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"77 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114076283","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Corporate Social Responsibility (CSR) is one of several corporate responsibilities for stakeholders. The Company will disclose its social responsibility practices so that the contributions they had can be recognized by the stakeholders. This study aims to determine the effect of Good Corporate Governance (GCG), profitability, size, and liquidity to CSR disclosure. GCG is measured using independent commissioners, managerial ownership, and institutional ownership. This study uses a manufacturing company in Indonesia as the sample in the period 2012-2015. The sampling technique used is purposive sampling method. The analysis technique used is multiple regression analysis. The results showed that independent commissioners, managerial and liquidity ownership had no effect on CSR disclosure, while institutional ownership, profitability and firm size had a significant positive effect on CSR disclosure.
{"title":"Peran good corporate governance, profitabilitas, size dan likuiditas dalam mengungkap corporate social responsibility","authors":"Dian Yuni Damayanti","doi":"10.14414/JBB.V7I1.968","DOIUrl":"https://doi.org/10.14414/JBB.V7I1.968","url":null,"abstract":"Corporate Social Responsibility (CSR) is one of several corporate responsibilities for stakeholders. The Company will disclose its social responsibility practices so that the contributions they had can be recognized by the stakeholders. This study aims to determine the effect of Good Corporate Governance (GCG), profitability, size, and liquidity to CSR disclosure. GCG is measured using independent commissioners, managerial ownership, and institutional ownership. This study uses a manufacturing company in Indonesia as the sample in the period 2012-2015. The sampling technique used is purposive sampling method. The analysis technique used is multiple regression analysis. The results showed that independent commissioners, managerial and liquidity ownership had no effect on CSR disclosure, while institutional ownership, profitability and firm size had a significant positive effect on CSR disclosure.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114773566","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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.
{"title":"Pemberdayaan Baitul Maal wat Tamwil (BMT) melalui Interbank network sebagai solusi optimasi perekonomian nasional","authors":"Nurhayati Iffah, Dian Fatma Hadi","doi":"10.14414/jbb.v7i1.1466","DOIUrl":"https://doi.org/10.14414/jbb.v7i1.1466","url":null,"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.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"80 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123208806","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the effect of financial literacy, experienced regret, risk tolerance, and motivation on family investment decisions by taking samples of 105 Balinese residents. The investment decision investigated in this study is dealt with the decision to invest the money in capital market instruments and bank accounts. The analytical method used is a quantitative method using multiple linear regressions. The data were collected using a survey of questionnaire to the respondent. The sampling technique used is purposive sampling method and then continued using convenience sampling. The results of this study indicate that risk tolerance has positive influence on investment decisions of Balinese family. Meanwhile, financial literacy, experienced regret, and motivation do not affect significantly investment decisions of Balinese family. These results imply that Balinese people consider their risk tolerance as the main factor considered in making decision whether to put the money in bank accounts or capital market instruments.
{"title":"Pengaruh literasi keuangan, experienced regret, risk tolerance, dan motivasi pada keputusan investasi keluarga dalam perspektif masyarakat Bali","authors":"A. Wardani, L. Lutfi","doi":"10.14414/JBB.V6I2.996","DOIUrl":"https://doi.org/10.14414/JBB.V6I2.996","url":null,"abstract":"This study aims to determine the effect of financial literacy, experienced regret, risk tolerance, and motivation on family investment decisions by taking samples of 105 Balinese residents. The investment decision investigated in this study is dealt with the decision to invest the money in capital market instruments and bank accounts. The analytical method used is a quantitative method using multiple linear regressions. The data were collected using a survey of questionnaire to the respondent. The sampling technique used is purposive sampling method and then continued using convenience sampling. The results of this study indicate that risk tolerance has positive influence on investment decisions of Balinese family. Meanwhile, financial literacy, experienced regret, and motivation do not affect significantly investment decisions of Balinese family. These results imply that Balinese people consider their risk tolerance as the main factor considered in making decision whether to put the money in bank accounts or capital market instruments.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"55 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126158031","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Gisik Cemandi is a village rich in marine natural resources but with low level of welfare. Natural factors that fluctuate fish season affect the income level of fishermen. This study uses Participatory Action Research descriptive to obtain information about the diversification of fishery products through the management and utilization of various resources contained in aquatic ecosystems and in the sea. Researchers conducted in-depth interviews with key informants are active fishermen who made the arrest to make ends meet. Development of coastal community access to economic resources meant to improve the diversification of sources of public income and simultaneously improve their welfare. These include the expansion of the choice of economic resources, such as business expansion and lending. Business opportunities besides fisheries sector needs to be opened wider is the field of agriculture, crafts, farm and transport services. This is important in order to open the public the opportunity to not only rely directly on natural resources, but also at the same time reducing the burden on nature.
{"title":"Optimalisasi kualitas sumber daya manusia melalui diversifikasi hasil perikanan pada masyarakat nelayan desa Gisik Cemandi","authors":"Anggraeni Rahmasari, Irwantoro Irwantoro","doi":"10.14414/jbb.v6i2.1301","DOIUrl":"https://doi.org/10.14414/jbb.v6i2.1301","url":null,"abstract":"Gisik Cemandi is a village rich in marine natural resources but with low level of welfare. Natural factors that fluctuate fish season affect the income level of fishermen. This study uses Participatory Action Research descriptive to obtain information about the diversification of fishery products through the management and utilization of various resources contained in aquatic ecosystems and in the sea. Researchers conducted in-depth interviews with key informants are active fishermen who made the arrest to make ends meet. Development of coastal community access to economic resources meant to improve the diversification of sources of public income and simultaneously improve their welfare. These include the expansion of the choice of economic resources, such as business expansion and lending. Business opportunities besides fisheries sector needs to be opened wider is the field of agriculture, crafts, farm and transport services. This is important in order to open the public the opportunity to not only rely directly on natural resources, but also at the same time reducing the burden on nature.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"96 4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127993532","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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.
{"title":"Mengukur pengaruh kualitas layanan model CARTER terhadap kepuasan nasabah perbankan syariah Indonesia","authors":"A. Fauzi","doi":"10.14414/jbb.v6i2.718","DOIUrl":"https://doi.org/10.14414/jbb.v6i2.718","url":null,"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.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"77 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128564644","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The clothing industries in Indonesia are becoming more and more competitive. Many brands of clothes avalaible in the market place have a good quality and popularity. ZARA was one of clothes famouse in Indonesian. This Study aims to examine the effect of brand image, brand trust, and service quality on brand loyalty of ZARA clothes. Data coleccted by questionnare and involved 100 consumers in Surabaya. The sample was was selected by judgement sampling. The data were analyzed using MRA (Multiple Regression Analysis).The result shows that brand image has significant effect on brand loyalty, brand trust has signifcant effect on brand loyalty, and service quality has significant effect on brand loyalty. It implies that, it is important to improve brand image, trust and service quality for creating customer loyalty. Promotional strategy by delivering message honesty is important for building image and trust. Service quality can improve the overall service quality. The company should improve the product quality and services by improving attitude, skill and knowledge it’s employees.
{"title":"Pengaruh citra merek, kepercayaan merek, dan kualitas layanan pada loyalitas merek pakaian ZARA","authors":"Vika Mitra Ifana, Tatik Suryani","doi":"10.14414/JBB.V6I2.1302","DOIUrl":"https://doi.org/10.14414/JBB.V6I2.1302","url":null,"abstract":"The clothing industries in Indonesia are becoming more and more competitive. Many brands of clothes avalaible in the market place have a good quality and popularity. ZARA was one of clothes famouse in Indonesian. This Study aims to examine the effect of brand image, brand trust, and service quality on brand loyalty of ZARA clothes. Data coleccted by questionnare and involved 100 consumers in Surabaya. The sample was was selected by judgement sampling. The data were analyzed using MRA (Multiple Regression Analysis).The result shows that brand image has significant effect on brand loyalty, brand trust has signifcant effect on brand loyalty, and service quality has significant effect on brand loyalty. It implies that, it is important to improve brand image, trust and service quality for creating customer loyalty. Promotional strategy by delivering message honesty is important for building image and trust. Service quality can improve the overall service quality. The company should improve the product quality and services by improving attitude, skill and knowledge it’s employees.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"46 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128530529","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Employee performance is an important work attitude for achieving or-ganizational goals. In this case, motivation and workload variable can increase performance of employee. This paper aims to determine the effect of workload on employee performance directly. In addition, this study aims to investigate the effect of workload on employee performance indirectly through motivation variable. This research relies on path analysis. The research sample consists of 74 people. The results show that workload has increased directly employee performance. In addition, the workload has affected employee performance through motivation variable as well. The impact of workload variable to employee performance has greater influence indirectly through motivation variable. Giving the employees tasks according to their ability have increased effectively employee motivation.
{"title":"Beban kerja karyawan perbankan, implikasinya terhadap kinerja karyawan melalui variabel motivasi","authors":"Ulfatun Ni’mah, S. Siswanto","doi":"10.14414/JBB.V6I2.1298","DOIUrl":"https://doi.org/10.14414/JBB.V6I2.1298","url":null,"abstract":"Employee performance is an important work attitude for achieving or-ganizational goals. In this case, motivation and workload variable can increase performance of employee. This paper aims to determine the effect of workload on employee performance directly. In addition, this study aims to investigate the effect of workload on employee performance indirectly through motivation variable. This research relies on path analysis. The research sample consists of 74 people. The results show that workload has increased directly employee performance. In addition, the workload has affected employee performance through motivation variable as well. The impact of workload variable to employee performance has greater influence indirectly through motivation variable. Giving the employees tasks according to their ability have increased effectively employee motivation.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133053638","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Nowadays, credit card is not any longer a luxury good because it is not only owned the rich. In addition, to use it wisely, the users should have adequate financial literacy and financial experience. This study aims to examine the impact of financial literacy and financial experience on credit card usage by the workers. The data were collected using a questionnaire. The respondents were taken from 110 workers in Banyuwangi who have got credit cards with them. They were selected based using snowball sampling. The data were analyzed by using Multiple Regression Analysis, this study finds that financial experience positively affects the credit card usage, but financial literacy has no effect on it.
{"title":"Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi","authors":"Cintya Restu Destianata","doi":"10.14414/JBB.V6I2.730","DOIUrl":"https://doi.org/10.14414/JBB.V6I2.730","url":null,"abstract":"Nowadays, credit card is not any longer a luxury good because it is not only owned the rich. In addition, to use it wisely, the users should have adequate financial literacy and financial experience. This study aims to examine the impact of financial literacy and financial experience on credit card usage by the workers. The data were collected using a questionnaire. The respondents were taken from 110 workers in Banyuwangi who have got credit cards with them. They were selected based using snowball sampling. The data were analyzed by using Multiple Regression Analysis, this study finds that financial experience positively affects the credit card usage, but financial literacy has no effect on it.","PeriodicalId":111528,"journal":{"name":"Journal of Business & Banking","volume":"19 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133164268","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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