Jurnal Manajemen dan Keuangan最新文献

{"title":"Analisa Ketahanan dan Stabilitas Bank Syariah yang Melakukan Merger","authors":"Lucky Nugroho, Anita Dwi Utami, C. Sukmadilaga","doi":"10.33059/jmk.v10i2.3978","DOIUrl":"https://doi.org/10.33059/jmk.v10i2.3978","url":null,"abstract":"Merger dari ketiga bank syariah yaitu Bank Syariah Mandiri (BSM), Bank BNI Syariah (BNIS), dan Bank BRI Syariah (BRIS), telah terjadi pada tanggal 01 Februari 2021. Bank hasil penggabungan tersebut diharapkan dapat meningkatkan pangsa pasar sehingga pangsa pasar perbankan syariah naik. Namun, tujuan merger ini bukan semata-mata meningkatkan daya saing. Oleh karenanya dengan aksi korporasi merger tersebut diharapkan dapat menciptakan Bank Syariah yang masuk ke dalam 10 Top Global menurut kapitalisasi serta menyediakan produk dan layanan yang sesuai dengan prinsip-prinsip syariah. Tujuan dari penelitian ini adalah untuk menganalisa kualitas bank yang melakukan merger tersebut ditinjau dari aspek ketahanan dan stabilitas. Adapun unsur ketahanan direpresentasikan oleh Modal Inti yang direpresentasikan dengan Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF). Sedangkan stabilitas direpresentasikan dengan variabel Return on Aset (ROA), Financing to Deposit Ratio (FDR), dan Cost Efficiency Ratio (CER). Metode yang digunakan adalah statistik deskriptif dengan membandingkan aspek ketahanan dan stabilitas dari bank-bank yang melakukan merger tersebut dengan menggunakan bobot sesuai dengan ketentuan regulator. Periode pengamatan pada penelitian ini yaitu dari 2016 s.d 2020. Hasil dari penelitian adalah BSM memiliki ketahanan dan stabilitas yang paling baik. Sedangkan BNIS memiliki ketahanan dan stabilitas peringkat 2 setelah BSM. Selanjunya BRIS menduduki tempat terakhir dari segi aspek ketahanan dan stabilitas dalam bank syariah yang melakukan merger. Oleh karena itu seyogyanya BSM sebagai bank yang memiliki kinerja yang paling baik dan memiliki pengalaman paling lama dapat dijadikan pengelola utama dari bank hasil merger tersebut (Bank Syariah Indonesia). Implikasi dari penelitian ini adalah memberikan informasi kepada masyarakat dan juga bank hasil merger bahwa aksi korporasi tidak berherti setelah merger tetapi konsolidasi internal yang menerapkan azas keadilan sesuai dengan kontribusi dan pengalaman masing-masing bank tersebut patut untuk dipertimbangkan. Originalitas dari penelitian ini adalah melakukan analisa ketahanan dan stabilitas terhadap bank-bank yang melakukan merger.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123859299","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}

{"title":"Model Hubungan Literasi, Pengalaman dan Perilaku Pengelolaan Keuangan Keluarga: Peran Niat Berperilaku Sebagai Mediasi","authors":"Anisa Mardianah, Iramani Rr","doi":"10.33059/jmk.v10i2.3564","DOIUrl":"https://doi.org/10.33059/jmk.v10i2.3564","url":null,"abstract":"Pengelolaan keuangan keluarga sangat dibutuhkan dalam menumbuhkan ekonomi keluarga. Penelitian ini memiliki dua tujuan utama yaitu menguji pengaruh literasi keuangan dan pengalaman keuangan pada perilaku pengelolaan keuangan keluarga, dan menguji peran niat berperilaku dalam memediasi hubungan antara literasi dan pengelolaan keuangan. Penelitian ini melibatkan pengelola keuangan keluarga dengan menerapkan teknik purposive sampling dalam melaksanakan survei, dan selanjutnya data dianalisis menggunakan Partial Least Square (PLS). Hasil penelitian ini menunjukkan bahwa pengalaman keuangan memiliki pengaruh positif signifikan terhadap perilaku pengelolaan keuangan. Temuan lain dari penelitian ini membuktikan bahwa literasi keuangan secara tidak langsung berpengaruh terhadap perilaku pengelolaan keuangan melalui peran mediasi penuh dari niat berperilaku. Penelitian ini menawarkan implikasi managerial yang mana untuk meningkatkan pengelolaan keuangan dibutuhkan pengalaman keuangan baik. Selain itu, penelitian ini menghasilkan wawasan baru bahwa seorang individu yang memiliki literasi keuangan tinggi harus juga memiliki niat berperilaku keuangan yang baik agar pengelolaan keuangan keluarganya akan semakin cermat.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-11-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128514791","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}

{"title":"Factors Affecting Cash Holding in Indonesia Manufacturing Companies","authors":"Dewi Maya Sari, D. Soufyan, Ainul Ridha","doi":"10.33059/jmk.v10i2.3915","DOIUrl":"https://doi.org/10.33059/jmk.v10i2.3915","url":null,"abstract":"This study aims to analyze the effect of leverage, net working capital, and firm size on cash holding using panel data regression method based on data on the financial statements of manufacturing companies available on the Indonesia Stock Exchange from 2012 to 2014. Testing with the Chow test states that the data regression model the panel used is the common effect. The results of this study indicate that cash holding is positively influenced by leverage, net working capital, and firm size. The greater the leverage, net working capital, and company size will increase the availability of cash in the company. \u0000 ","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-11-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126406581","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}

{"title":"Pengaruh Ukuran Dewan Komisaris, Independensi Dewan Komisaris, dan Komite Audit terhadap Corporate Social Responsibility Disclosure dengan Profitabilitas sebagai Variabel Moderasi","authors":"Bintang Satria Herizona, I. Yuliana","doi":"10.33059/jmk.v10i1.2935","DOIUrl":"https://doi.org/10.33059/jmk.v10i1.2935","url":null,"abstract":"Tujuan dari penelitian ini untuk menguji pengaruh parsial dan simultan variabel ukuran dewan komisaris, independensi dewan komisaris, dan komite audit terhadap corporate social responsibility disclosure serta pengaruh dari adanya penambahan variabel profitabilitas sebagai variabel moderasi. Sampel penelitian menggunakan sebanyak 38 perusahaan sektor industri dasar dan kimita tahun 2016-2019 yang ditentukan berdasarkan purposive sampling yang sudah ditetapkan dan analisis penelitian mengunakan moderated regression analysis. Hasil penelitian didapatkan bahwa secara parsial variabel ukuran dewan komisaris dan independensi dewan komisaris memiliki pengaruh yang signifikan. Sementara sercara simultan variabel yang digunakan memiliki pengaruh yang signifikan. Pada uji moderasi return on asset didapatkan hasil bawah variabel tersebut tidak mampu memoderasi hubungan antara variabel independen dengan variabel dependen sedangkan pada uji moderasi return on equity didapatkan hasil bahwa variabel tersebut mampu memoderasi hubungan variabel ukuran dewan komisaris dengan corporate social responsibility disclosure.  ","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121699201","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}

{"title":"Kualitas Pelayanan dan Fasilitas Mempengaruhi Kepuasan Konsumen di Bandar Udara Notohadi Negoro Jember","authors":"Arif Fakhrudin","doi":"10.33059/jmk.v10i1.2611","DOIUrl":"https://doi.org/10.33059/jmk.v10i1.2611","url":null,"abstract":"Transportation is a means that acts as a support, impetus and driving force. So thatpeople are more selective in choosing something, because people want servicesand facilities that exceed consumer expectations. This study aims to determine theeffect of service quality and facilities on customer satisfaction at Notohadi NegoroAirport, Jember. This study use two independent variables, namely the qualityservice and facility with a dependent costumer satisfaction. After a literaturereview and a hypothesis, the data for this study was collected through questionnaires with a total of 100 respondens who used the services of NotohadiNegoro Jember Airport as a research sample. The sampling technique used waspurposive sampling. The methods of data analysis used quantitative analysis,validity test, reliablity test, the multiple regression analysis, t test, f test, and test ofdetermining factor.The result of this study indicate that they are valid and reliable.In the hypothesis test, quality service and facility have a significant positive effecton customer satisfaction. The result of the test of the determining coefficient in thisstudy obtained a determining value of 0,168 which means that the amplitude of theinfluence of the variables quality service and facility on the satisfaction variable is16,8%.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"65 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132500569","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}

{"title":"Pengaruh Daya Saing, Budaya Keuangan, dan Keputusan Pembayaran Kredit Terhadap Akses Keuangan","authors":"Hadi Ismanto, Sri Hartanti, Durrotul Mustagfiroh, Alfendo Andrian Nofian","doi":"10.33059/jmk.v10i1.2926","DOIUrl":"https://doi.org/10.33059/jmk.v10i1.2926","url":null,"abstract":"Beberapa studi empiris selama satu dekade terakhir menunjukkan bahwa akses ke keuangan merupakan kendala UKM untuk tumbuh. Melihat kondisi ini, OJK menetapkan peraturan terkait dengan pembiayaan online UKM (equity crowdfunding) yang tengah boom di dunia keuangan. Penelitian ini menganalisis pengaruh daya saing, budaya keuangan, dan keputusan pembayaran kredit terhadap akses ke keuangan. Pengambilan sampel didasarkan pada jenis industri kecil dan menengah. Data dikumpulkan dari penyebaran kuesioner terhadap 285 UKM di Jepara menggunakan pendekatan door to door dan pendampingan pengisian. Data diuji statistik untuk analisis deskriptif, validitas dan reliabilitas, dan regresi linear. Hasil penelitian menunjukkan adanya pengaruh positif dari daya saing, budaya keuangan, dan keputusan pembayaran kredit terhadap akses UKM ke keuangan. Temuan ini menunjukkan pentingnya daya saing dan budaya keuangan UKM untuk mengakses pendanaan eksternal. UKM dapat memperbaiki/meningkatkan kapasitas dan kemauan mereka untuk mengajukan pendanaan. Hasil penelitian juga memberikan kontribusi literasi di bidang keuangan terkait dengan aksesibilitas UKM ke pembiayaan dan keputusan pembayaran kredit, daya saing, serta budaya keuangan.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114945505","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}

{"title":"Pengaruh Lokus Pengendalian dan Pengetahuan Keuangan pada Perilaku Manajemen Keuangan Generasi Milenial dengan Moderasi Pendapatan","authors":"I. Fatmawati, Lutfi","doi":"10.33059/jmk.v10i1.3340","DOIUrl":"https://doi.org/10.33059/jmk.v10i1.3340","url":null,"abstract":"Penelitian ini berupaya untuk mengkaji pengaruh dari lokus pengendalian dan pengetahuan keuangan pada perilaku manajemen keuangan generasi milenial dengan pendapatan sebagai moderator. Sampel penelitian ini adalah 216 responden generasi milenial berusia 20 - 39 tahun, yang berdomisili di Surabaya, Gresik dan Sidoarjo. Analisis data menggunakan model persamaan struktural (PLS-SEM). Temuan penelitian membuktikan bahwa lokus pengendalian dan pengetahuan keuangan berdampak positif secara signifikan signifikan pada perilaku keuangan generasi milenial. Sebaliknya, pendapatan tidak terbukti berpengaruh signifikan tpada perilaku keuangan. Selain itu, tidak terdapat bukti signifikan bahwa pedapatan mampu memperkuat pengaruh pengetahuan keuangan terhadap perilaku keuangan. Hal ini berarti generasi milenial perlu meningkatkan pengetahuan keuangan serta keyakinan dan kemampuan dalam mengendalikan kondisi keuangan.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"51 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129884577","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}

{"title":"Pengaruh Kualitas Produk dan Komunikasi Marketing pada Brand Image serta Dampaknya terhadap Loyalitas Pelanggan pada Produk Sarung di Surabaya","authors":"Pontjo Bambang, Y. Ramadhani","doi":"10.33059/jmk.v10i1.3031","DOIUrl":"https://doi.org/10.33059/jmk.v10i1.3031","url":null,"abstract":"The purpose of this study was to empirically examine the effect of product quality on consumer brand image, the effect of marketing communication on consumer brand image, and the effect of brand image on loyalty. This study uses primary and secondary data sources obtained directly by distributing 100 questionnaires to respondents. The sampling method is non-probability with a pirposive sampling technique. The criteria for respondents are male, the research method uses SEM (Structural Equation Modeling) analysis. The findings of this study are, The first hypothesis which states that product quality affects brand image and is proven significantly, the second hypothesis which states that marketing communication affects brand image is not proven significantly, the third hypothesis which states that brand image affects customer loyalty is proven significantly","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"37 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127476908","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}

{"title":"Pengaruh Perceived Organizational Support terhadap Individual Readiness for Change yang Dimediasi oleh Psychological Capital","authors":"M. A. Putra, Thatok Asmony, Siti Nurmayanti","doi":"10.33059/jmk.v10i1.2914","DOIUrl":"https://doi.org/10.33059/jmk.v10i1.2914","url":null,"abstract":"Tujuh puluh persen organisasi gagal menerapkan perubahan di mana salah satu alasan utamanya adalah kurangnya kesiapan individu untuk berubah. Kesiapan individu untuk berubah adalah sejauh mana karyawan siap secara mental, psikologis atau fisik, siap untuk berpartisipasi dalam kegiatan pengembangan organisasi. Penelitian ini bertujuan untuk menguji peran persepsi dukungan organisasi terhadap kesiapan individu untuk berubah, dengan modal psikologis sebagai mediator. Data diperoleh dengan metode sensus menggunakan kuesioner dengan skala likert 1-5 pada 129 karyawan Universitas Bumigora. Pengujian hipotesis menggunakan analisis jalur dengan program SmartPLS 3.2.8. Hasil penelitian menunjukkan bahwa persepsi dukungan organisasi berpengaruh positif dan signifikan terhadap kesiapan individu untuk berubah, persepsi dukungan organisasi berpengaruh positif dan signifikan terhadap modal psikologis, namun modal psikologis tidak berpengaruh signifikan terhadap kesiapan individu untuk berubah dan tidak terbukti memediasi hubungan antara persepsi dukungan organisasi dan kesiapan individu untuk berubah.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"74 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126966414","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}

{"title":"Pengaruh Kepercayaan Dan Promosi Terhadap Minat UMKM Mengambil Pembiayaan Perbankan Syariah Di Kota Langsa","authors":"Zikriatul Ulya","doi":"10.33059/jmk.v9i3.2898","DOIUrl":"https://doi.org/10.33059/jmk.v9i3.2898","url":null,"abstract":"The purpose of this research is to examine the effect of trust and promotion toward UMKM interest taking islamic banking financing in the city of Langsa.  The method used is the quantitative approach. This study uses probability sampling by cluster sampling. The sample used is a small and medium-size micro business in Langsa city of 100 respondents. The data-collection technique  a questionnaire by distributing to the small and medium-size microbusiness of Langsa city. Data analysis methods using linear regression, classic assumptions test, and hypothetical test (t and test f). Test t-test results have shown that each independent variable of trust and promotion is partially positive and significant. The results of research on the f show that there is a positive and significant impact together between the trust variables and the promotion of the interest of umkm, which is financing sharia banking in the city of Langsa. Based on the results of the study, it is based on coefficiency analysis, that 50,1 % of the disproportionate value of the people, should be satisfied by the two influential variables, trust and promotion. The remaining 49,9 % is described by other variables not included in the equation.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"27 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121828076","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}