Journal of Business and Management
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Determinants of Islamic Banks\u27s Profitability in Indonesia for 209-2013
Get PDFAbstract – Performance efficiency of a bank being reliable to keeping trust and loyalty of clients. Banking performance can be seen from it profitability value, and as a result, financial ratios analysis in financial statement become an issue. This research focus on finding financial ratios that possible to be the profitability determinants of Islamic banks in Indonesia. Besides that, this research used quantitative analysis with CAMEL Method which consists of five aspects; there are capital, asset, management, earning, and liquidity. Independent variables that tested as the determinants of profitability are NPF, BOPO, NIM, FDR, PPAP Compliance, NPA, EA, and LIQD. In other side, dependent variable which represents bank’s profitability is ROA Through purposive sampling technique, selected 6 banks as samples that met with the criteria of 5 years observation period (2009 – 2013) from 11 population of Islamic banks in Indonesia. The samples data analyzed using SPSS and had passed classical assumption test and multiple linear regression to determine the regression model feasibility. Classical assumption tests that used are normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. While multiple linear regression shown in F-test and T-test. The result indicated that NPF, BOPO, NIM, FDR, PPAP Compliance, NPA, EA, and LIQD give significant effect simultaneously to ROA as profitability ratio of Islamic banks in Indonesia. Then partially, NIM and PPAP Compliance give significant positive effect to ROA, whereas BOPO has negatively significant influence to ROA. And other ratios, which are NPF, FDR, NPA, EA, and LIQD, have no significant effect on profitability of Islamic banks in Indonesia. Based on R-square value, the effect of those independent variables to ROA is 91.7%, so 8.3% residue is influenced by other variables outside this research. Based on that result, Islamic banks in Indonesia should increase the assets quality (PPAP Compliance), profit sharing income (NIM), and operational efficiency (BOPO). Its good for banks to give more focus on those area as an effort to gain public enthusiasm by showing the quality of banks with highest priority is BOPO by looking at it value which is 0.915. Second priority is NIM ratio, then third priority is PPAP Compliance ratio. Related to BOPO, bank management should validates every cost or expenses taken out by bank, whether it is necessary to issued or not. Related to NIM bank always calculates the cost of funds carefully so it can determines the competitive based profit sharing percentages. And related to PPAP Compliance ratio, bank management should observes the financing agreements that proper to be financed.Keywords: NPF (Non-Performing Financing), BOPO (Operational Efficiency), NIM (Net Interest Margin), FDR (Financing to Deposit Ratio), PPAP (Allowance for Earning Asset Possible Losses) Compliance, NPA (Non-Performing Asset), EA (Equity to Total Asset), LIQD (Liquid Asset to Total Deposit), ROA (Return On Asset), and profitabilit
The Assessment of Employee Engagement Level in A New Institution During Transition Period (Case Study: OJK)
Get PDFAbstract-Engagement between the company and employees must be built to create the impulse for employees to work more optimally. Employee engagement can make more profit because the employees are not only thinking of themselves, but also they are trying to improve and develop where he works. Nowadays, OJK employees are in transition period or can be called also as temporary employees. The uncertainty of the employee as a permanent employee can be something risky for OJK. Therefore, OJK should attract the temporary employees that are in the transition period be more engage to company. This study aims for measure and determine the level of employee engagement in OJK using Aon Hewitt’s model. The sample used in this study is simple random sampling with the required total respondents amounted to 92 people. Distribution of the questionnaire addressed in accordance with the scope which is to the OJK employees from BI. To see the relationship of independent variables on the dependent variable, multiple linear regression method is used. The results of this research is the formed of new factor consist of six variables equal to the number of previous factors. These six factors have a very strong relationship with the level of employee engagement. Then, there is an equation result from the regression method that used. Keywords: OJK, employee engagement, multiple linear regression, Aon Hewit
Measurement Customer Satifaction Toward KEUKEN #5 - The City Hall Fairground Culinary Event Using Importance - Performance Analysis (IPA)
Get PDFAbstract – The main theme of this research is Marketing and focus on measuring satisfaction level from Keuken #5 culinary event that organized by House The House based on Importance Performance Analysis (IPA). The IPA model which showed graphical representation of the data, whereby event organizations can see areas of strength and weakness from event attributes is divided into four quadrants, with importance on the y-axis and performance on the x-axis, according to Martilla and James the resources should be allocate to improve attributes that reside in quadrant I. The result of the analysis showed the overall visitor satisfaction level for Keuken was scored 3.7 which reported between “Ok†and “Satisfiedâ€. Convenient parking, food/beverages prices, and shopping attributes item are attributes which reside in quadrant I and  considered as main priority for improvement. Local food, come and go, clean site, attractive environment, event guide, and opening/closing time, are attributes lay in quadrant II which considered as attributes that should be maintained. Entertainment and good local restaurant attributes lay in quadrant IV which are considered as attributes that possibly overkill. Celebrity chef demos, festival souvenir, and cooking demonstration attributes lay in quadrant III which considered as last priority.Keywords: Keuken, culinary event, customer satisfaction, Importance-Performance AnalysisÂ
The Implementation Analysis of SMEs Soundness Assessment Measurement for Service Industry in Bandung, Indonesia
Get PDFAbstract-Soundness assessment is important for to know how effective the company’s performance in achieving the vision and objectives. With the similar sectors, the soundness level analysis classified in 2 categories that are the category company with bank-loan and the category of company without bank-loan. SMEs Soundness Assessment Measurement is the first SME Soundness measurement developed by Raden Roro Mirna and Subiakto Soekarno. In measuring SMEs’ soundness, there are two aspect required that are financial and nonfinancial aspect. (Soundness Assessment Measurement Development for Indonesia Small and Medium Enterprises, 2014). The samples obtained are 15 service industry companies that consist of 9 companies with bank-loan and 6 companies without bank-loan. The sample’s assessment result will be compared using Independent Sample T-test with confidence level (α) 0.05. From the result shows that the sample group with bank-loan has 2 companies obtain “Good Soundness I†with rating AAA and the other 7 companies obtain “Good Soundness II†with rating AA. The sample group without bank-loan results 2 companies obtain “Good Soundness II†with rating AA and 4 companies obtain “Fair Soundness I†with rating BBB. Based on the Independent T-test results there is no significant difference in financial aspect mean between company with loans and without loans that statistically proven by p > 0.05. While based on nonfinancial aspect, there is a significant difference in mean between companies with bank-loan and without bank-loan that statistically proven by p < 0.05. Keyword: small business, service Industry Company, bank-loan, SME Soundness Assessment Measurement, financial, nonfinancial
The Relationship of Advertising and Service Quality to The Brand Equity of Midnight Sun in Jakarta
No full textAbstract. This study aimed to analyze the influence of advertising and the quality of service to brand equity in the Midnight Sun in Jakarta. The method used is descriptive quantitative analysis with correlational analysis approach. The model in question is the relationship between the dependent variable with independent variables, using multiple regression models with ordinal data. Ordinal data compiled based on Likert scale. The dependent variable is the brand equity (Y) and the independent variables are advertising (X1) and quality of service (X2). Place of this research done in Midnight Sun Jakarta by using a sample of 75 people and the determination of the sample using simple random sampling technique.The results showed that advertising has a significant impact on the brand equity of Midnight Sun. Service quality significantly impacts on the brand equity of Midnight Sun. Service quality is more dominant than advertising on brand quity of Midnight Sun.Based on the results of multiple regression test found the coefficient of determination (R Square) of 0.814. This means that the independent variable (advertising and quality of service) contribute to dependent variable (brand equity) amounted to 81.4% while the remaining 18.6% is influenced by other factors not examined, such as product quality, price policy, the business location and so on. Keywords: Advertising, Service Quality and Brand Equity
Economical Feasibility Study of SAGARA UPALA Hotel Construction in Pangandaran
Get PDFAbstract- Any investations are hopefully make a positive return in long term or mid term, but it is always have risk when you spend a money for investation.This research aimed to find the investment feasibility of the company project so the company can make the correct decision for the investment plan. To solve the problem this research calculate the value of Net Present Value (NPV), investment Interest Rate of Return (IRR), the Investment Payback Period (PBP) of the project The object of this research is a hotel construction in Pangandaran beach, Jawa Barat, Indonesia by PT Graha Mitra Properti. The project will stated as feasible if the Net Present Value (NPV) is higher than 0 (NPV>0) and the Interest Rate of Return (IRR) is higher than the rate of return. The lifetime of this project is 30 years. This research will only explain economical feasibility study based on investment, cash inflow and cash outflow and there are several assumption in this research to limit the the scope of the final project. Keywords: B2B marketing, e-commerce, technology acceptance model (TAM), consumer behavior, building materialÂ
The Impact of Earnings per Share and Debt to Equity Ratio Towards the Profitability of Companies Listed in LQ45 from 2009 to 2013
No full textAbstract- The aims of a firm to operate are the development and the continuity of the business itself. It can be achieved by gaining more profits for the firm. Profitability measures the company performance by comparing the profits of the company with its resources during the period year. The firm with high profitability shows that the company efficiently and productively manages the sales, assets, and investment in its operating activity to gain profit. This research objective is to find out the impact of earning per share, debt to equity ratio, and current ratio toward the profitability, which is indicated to return on assets, of the companies listed LQ45 index. The method use to analyze the impact is multiple linear regression. The sample used of this research is 22 companies that listed consistently on LQ45 Index during 2009 – 2013 period. The result of this research shows that earning per share, debt to equity ratio, and current ratio have significant impact towards profitability (ROA). Earning per share has a positive significant impact towards profitability (ROA), on the other hand debt to equity ratio has a negative significant impact towards profitability (ROA), and current ratio also has a negative significant impact towards profitability (ROA). The earning per share, debt to equity ratio, and current ratio is influencing profitability (ROA) by 38.0%, as a result of Coefficient of Determination. Keywords: earning per share, debt to equity ratio, current ratio, return on assets, multiple linear regressio
Business Plan on Al-Qudsi Day Care
No full textAbstract - Daycare is a child social service that provides services to children aged 6 months to 5 years old before the form, treatment, care, nutrition, social guidance, counseling mental, spiritual, educational stimulation, and games. Currently Daycare is one alternative to parents who have busy outside the home in actualizing science and its role in the community. Therefore the aim of this paper the author makes is what potential and challenges in doing business Daycare.The method used by the authors in this study is the use literature and case study of Al-Qudsi Daycare is located at Jl. Saturnus Utara No. 55, Bandung, 40295. Al-Qudsi Daycare is a start-up business that is made by the author as student of entrepreneur tracks program at School of Business and Management ITB.From the results of this paper the authors find that the potential of Al-Qudsi Daycare is about effort of marketing with big respond and financial condition that prospective. The challenges of Al-Qudsi Daycare are so many competitors and claim of desire from consumers increase. Recommendation from author is Al-Qudsi Daycare must develop of strategy marketing and financial marketing and provide the technology for facilities so that secure and pleasant.Keywords: Daycare, net present value, rate of return, payback period, plans and marketing strategies, opportunities, and challenges
Analysis on the Effective Leadership Style and Human Resource management Roles in Operational and Commerce Directorates in PT Kereta Api Indonesia Head Office Based on Organizational Culture Asessment Instrument
Get PDFAbstract. PT KAI had changed the vision to become the railways services provider that focus to customer services and fulfill the stakeholder expectations. The vision were translated in many programs such as the expansion in asset and business units. Every functional of PT KAI also have their own performance targets to reach the company vision.However, the change in their performances targets should be assured to have the sustainable benefit to the company. Empirical research has produced an impressive array of findings demonstrating the importance of culture to enhancing organizational performance (for reviews, see cameron and ettington, 1988;1990; and trice and beyer, 1993). In this research, the researcher want to analyze the condition of PT KAI in culture perspective. This research could be the refference for PT KAI management to understand the condition of PT KAI culture that currently present and the preffered culture that the employees. With that findings, the researcher could suggest the effective leadership style and human resource management roles for the organizations. The researcher choose commerce and operation directorate as the objects of the research because it was the core function that can support the company growth.The methods which is used in this research is organizational cultural assestment instrument (ocai) which is invented by cameron & quinn (1999). The result of the anaysis would show the tendency of PT KAI’s commerce and operation directorate organizational culture.The result shows that both directorates should emphasize the market and adhocracy cultures.Key words: Organization, Corporate, Cilture, OCAI, PT KAI
The Acceptance of Bitcoin in Indonesia Using Technology Acceptance Model
No full textAbstract. In 2009, the world’s first completely decentralized digital currency Bitcoin was introduced by an pseudonymus programmer known as Satoshi Nakamoto. The hype of a novel currency subsequently motivates research on this phenomenon, especially focusing on what affects individuals to use Bitcoin.This paper attempts to address the issue by creating a model of technology acceptance that fits the specific and unique characteristics of the Indonesian environment by extending the Technology Acceptance Model (TAM). We incorporated the Perceived Compatibility from Innovation Diffusion Theory by Everett Rogers (1962) and added Bitcoin Knowledge, and Perceived Risk as additional external variables for TAM. The data are collected through 108 user of Bitcoin from various online forums in Indonesia and was analyzed using Partial Least Square (PLS) path modelling.The results suggested that indeed the perceived compatibility and knowledge affects user’s intention towards Bitcoin. The findings of this study can prove to be useful for Bitcoin community and exchange service in formulating strategies to increase user base and contributes the literature by formulating and validating TAM to predict Bitcoin adoption. Keywords: Technology Acceptance Model, Bitcoin, Extending TAM, Innovation Diffusion, Compatibility, Risk, Indonesia