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PENGARUH ATRIBUT PRODUK YANG DIPERTIMBANGKAN DALAM PEMILIHAN PRODUK DEPOSITO PERBANKAN TERHADAP KEPERCAYAAN DAN DAMPAKNYA PADA LOYALITAS NASABAH
Trust is the critical element in banking product. Without consumer trust, banking industry will face a difficulties to create a true loyalty. Attribute product can help banking industry to create consumer trust by creating a product which has an important attribute by which consumer make a consideration whether the bank is credible or not. The aim of this research is to find out attribute that is important in consumer persepective and how would those attribute affecting their trust and their loyalties to the bank. Exploratory factor analysis was used to find the most important attribute product. The exploratory factor analysis result then analyized with structural equation modeling to calculate the effect of the important attribute to the consumer trust and loyalty. As a result, they are 2 factor which are Flexibility factor and Bank Competencies factor as an important attribute product which has affected trust and loyalty as well.Keywords : trust, banking, attribute product, loyalty, deposit
PENGARUH KUALITAS PELAYANAN DAN KEWAJARAN TARIF TERHADAP NILAI KONSUMEN SERTA RETENSI PELANGGAN UNTUK PENERBANGAN DOMESTIK NIAGA FULL SERVICES DI INDONESIA
Competition in the airline industry is very high. This can be seen that there are so many enterprises in this industry. There is a change in the legacy carriers to low cost carriers. Companies that still maintain the legacy carriers will have an impact on higher rates charged to passengers compared to the low cost carriers. Therefore the companies that use the legacy carriers should be able to provide better services than the companies that use low cost carriers. The companies should pay attention to service quality and fairness of tariffs, so that consumers perceived value to these companies are much more higher than to the company that using low cost carriers. As a result, customer retention occurs
OPTIMIZING THE INDUSTRY MIX OF INDONESIAN PORTFOLIOS
Portofolio pada umumnya dioptimalkan dengan menggunakan standar deviasi return. Studi ini mengeksplorasi berbagai metode alternatif untuk mengoptimalkan bauran industri dalam portofolio di Indonesia. Penulis menggunakan dua alat ukur untuk membantu investor menghindari volatilitas ekstrim yang tidak dapat ditangkap oleh standar deviasi. Dua alat ukur tersebut adalah Value at Risk (VaR) dan Conditional Value at Risk (CVaR). VaR mengukur risiko pada batasan yang lebih tinggi daripada standar deviasi, biasanya pada tingkat kepercayaan 95% atau 99%. CVaR berhubungan dengan tingkat risiko yang paling ekstrim, yaitu risiko yang tidak ditangkap oleh VaR. Penulis menggunakan metode parametrik (untuk distribusi normal) dan non-parametrik untuk VaR dan CVaR. Untuk menjelaskan berbagai keadaan ekonomi, digunakanlah data pra-krisis ekonomi global, pada saat krisis ekonomi global dan pasca krisis ekonomi global. Dengan menggunakan pengoptimal risiko ekstrim ini, diharapkan dapat membantu investor untuk menghindari saham-saham yang berisiko tinggi. Volatilitas ekstrim juga merupakan indikator potensi masalah dalam sebuah industri, dan studi ini diharapkan dapat memberikan informasi yang penting mengenai kinerja dan risiko berbagai sektor pasar di Indonesia bagi para kreditor, regulator dan pemerintah. Kata Kunci: portofolio, bauran industri, value at risk, conditional value at risk
PENGARUH SERVQUAL TERHADAP LOYALITAS NASABAH DENGAN KEPUASAN SEBAGAI PEMEDIASI STUDI PADA BANK DAERAH DI YOGYAKARTA
This study aims to analyze the impact of servqual to customer loyalty with customer satisfaction as the intermediary variable on regional bank BPR and BPD in Yogyakarta. Simple regression, multiple regression, and path analysis are used as the analysis tools. This study indicates that servqual significantly affects to customer satisfaction, customer loyalty of regional bank. Furthermore, customer satisfaction also significantly affects to customer loyalty of regional bank and the interaction of servqual impact to customer loyalty moderated by customer satisfaction.Keywords: servqual, customer satisfaction, customer loyalty, regional ban
ANALISIS JUMLAH KENDARAAN BERMOTOR DI DAERAH ISTIMEWA YOGYAKARTA (1990–2012)
In the last few years, traffic congestions are often occurred in Yogyakarta. This situation is caused by the increasing number of vehicles in Yogyakarta.This study evaluates the effect of the gross regional domesticproduct (PDRB), the people of Daerah Istimewa Yogyakarta (JP), and region income (PD) to the number of vehicles in Daerah Istimewa Yogyakarta (JKB). The model consists of one behavioral equation: the number of vehicles equation. The estimation technique uses Ordinary Least Squares (OLS). MacKinnon, White, and Davidson test (MWD test) is used to choose between the two models: linear regression model or log-linearregression model.The sample covers observations for 23 years (1990 - 2012). The data are obtained from (1) Bank Indonesia (2) Badan Pusat Statistik DIY and various other sources. It is found that individually lnJP andlnPD are statistically significant (positive) except ln PDRB on the basis of (separate) t test. It is also found that on the basis of the F test collectively all the regressors have a significant effect on the regressand lnJKB.Keywords: the number of vehicles, traffic congestion, linear regression model, log-linear regression model
STASIONERITAS DAN KOINTEGRASI NILAI PASAR, NILAI BUKU DAN RESIDUAL INCOME UNTUK MENENTUKAN NILAI PERUSAHAAN: PENGUJIAN MODEL OHLSON (1995)
This paper investigates the time-series properties of the Ohlson (1995) model and examines their implications for empirical studies thet use time-series data. Time-series properties that examined is stationarity and cointegration. Based on a sample of 16 firms with complete quarterly data from 1990 to 2001, we show that alternative hypothesis that market value, book value and residual income are stationarity most of the sample firms. More importantly, book value and residual income cointegrate market value for 69 percent of sample firms.Keywords: Measurement Perspective, Model Ohlson, Stationarity, Cointegration
Bedah Buku : Heroic Leadership: Praktik Terbaik “Perusahaan” Berumur
BEDAH BUKUJudul Buku :Heroic Leadership:Praktik Terbaik “Perusahaan” Berumur450 Tahun yang Mengubah DuniaPenulis : Chris LowneyAlih Bahasa : Alfons TaryadiPenerbit : PT Gramedia Pustaka UtamaWaktu Penerbitan : 2005Tebal : viii + 377 halaman: 12 BabKEPEMIMPINAN YANG HEROIKNurcahyaningtyasUniversitas Atma Jaya Yogyakart
Bedah Buku : Financial Revolution
BEDAH BUKUJudul Buku :Financial RevolutionPengarang: Tung Desem WaringinPenerbit: PT Gramedia Pustaka UtamaTahun: 2005Tebal: 169 halamanHandy FridataDistrict Manager, Cabang YogyakartaPT Kalbe Farm
THE EFFECT OF FIT BETWEEN NATURAL ENVIRONMENTAL APPROACH AND BUSINESS STRATEGY ON PERFORMANCE
This field study of 83 chemical firms examines the effect of fit between natural environmental approaches and business strategies on performance. Using factor analysis, the study found three approaches to their natural environment: prevention, information, and correction. Moreover using cluster analysis, the sample firms can be grouped into three categories based on business strategy typology: prospector, defender, and reactors. The findings from regression analysis suggested that prevention, information, and correction approaches insignificantly affect on performance. Compare to reactors, defenders and prospectors realized significant improvements on performance. The prevention has stronger and significant effect on ROA among prospectors than among defenders. The information has stronger and significant effect on sales growth among prospectors than among defenders. However, the significant effects were not found in the interaction between correction and prospectors. Neither was it found between correction and defenders on performance. In general, the results of those findings support the argument that firms benefit from the adoption of environmental policy when natural environmental approaches fit the business strategy.Keywords: Natural Environmental Approach, Business Strategy and Performanc
UJI BEDA MANAJEMEN LABA SEBELUM DAN SELAMA KRISIS DI INDONESIA
Scott (2000) explained patterns of earnings management as taking a bath and income minimization. Taking a bath can be made during periods of organizational stress or reorganization, including the hiring of a new CEO. If a firm must report a loss, management may feel compelled to report a large one. Consequently, it will write off assets, provide for expected future costs, and generally clear of decks. This will enhance the probability of future reported profits. Income minimization is similar to taking a bath, but fewer extremes. A politically visible firm may choose patterns during periods of high profitability. Policies that suggest income minimization include rapid write-offs of capital assets and intangibles, expensing of advertising and R&D expenditures. The objective of this study is to investigate which pattern of earnings management chosen by management during economic crisis in Indonesia. Therefore, there are differences on earnings management between before the economic crisis and during the economic crisis in Indonesia. To test the hypothesis of this study, data are collected from Jakarta Stock Exchange for manufacturing companies. There are 27 companies. The result of this study suggests that management is most likely to make income decreasing to taking a bath.Keywords: earnings management, economic crisis, taking a bath, and income minimization