Iramani, Iramani
Lembaga Penelitian dan Pengabdian kepada Masyarakat

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KUALITAS LAYANAN DAN TATA KELOLA INTERNET BANKING DARI PERSEPSI NASABAH

EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 20, No 2 (2016)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

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Abstract

Bank dituntut untuk meningkatkan kualitas layanan bagi nasabah, termasuk layanan Internet Banking. Banyak model kualitas layanan menunjukkan beragamnya variabel dalam dimensi kualitas layanan untuk penelitian internet banking. Pada penelitian ini, dimensi kualitas layanan mengcakup 6 variabel terdiri atas Manfaat, Kemudahan, Keamanan, Efisiensi, Responsif, Kemampuan Fisik. Sebanyak 258 Responden telah dikumpulkan datanya dan dianalisis menggunakan regresi linear dan pendekatan analisis domain, diperoleh hasil penelitian bahwa Manfaat,  Efisiensi, dan Kemampuan Fisik  berpengaruh  parsial signifikan positif terhadap Adopsi Internet Banking pada pengguna Internet Banking. Nasabah mempersepsikan bahwa perlunya Bank memperhatikan peningkatan adopsi internet banking dengan memperhatikan aspek keamanan, ketersediaan fitur, komunikasi, kemudahan, dan jaminan. Nasabah mempersepsikan Manfaat menggunakan internet banking adalah layanan internet banking yang aman, tersedia fitur transaksi sesuai kebutuhan nasabah, web bank yang mudah dipelajari dan digunakan. Penyelenggaraan internet banking yang baik memerlukan daya tanggap (responsif) yang tinggi dengan akses web bank yang cepat, dukungan layanan call center 24 jam tiap hari, penyelesaian masalah layanan internet banking dalam waktu yang dapat dipastikan, kompetensi petugas bank dengan pengetahuan yang memadai tentang internet banking.

Fluktuasi indeks harga saham industri jasa sektor property dan real estate dengan determinan faktor ekonomi makro

Journal of Business & Banking Vol 7, No 1 (2017): Mei - Oktober 2017
Publisher : STIE Perbanas Surabaya

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Abstract

Capital market have very important macroeconomic’s indicator for a country. The purpose of this study is to examine the effect of macroeconomic factors to the stock price index of property and real estate. In this study used purposive sampling method as determining the sample and multiple linear regression analysis. The result is in a whole inflation, interest rate, balance of payments, and Gross Domestic Product have significant effect to Stock Index Property and Real Estate Sector. Partially, inflation has a negative significant effect on the Stock Price Index, while interest rates, Balance of Payments and Gross Domestic Product have no effect.

Pemberdayaan Ibu-Ibu Rumah Tangga untuk Meningkatkan Daya Saing Produk Opak Jepit

JPM17: Jurnal Pengabdian Masyarakat Vol 3, No 01 (2018)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

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Abstract

The objective of community service that is held in Kedung Rukem Village, Gresik Regency is empowerment for community that produce opak jepit for enhancing their production capacity. In addition, it is also directed to give training for mitra to perfome both income and expense records in order to enable to count their cost of good manufactured and gained profits. The methodology applied in this community service was training and mentoring. The target participants are  womens who produce opak jepit and promote their products which are under nine micro small medium enterprises (MSMEs). The materials given in the training covers community empowerment through Community Partnership Program (PKM), implementation of appropriate technology (TTG) to enhance both production capacity and product quality, improvement of entrepreneurial spirit, and easy way to determine cost of good manufactured and peforming financial recording. Meanwhile, mentoring was done by visiting one by one of MSMEs and delivering guidance in operating machine, how to pack an interesting product and assisting to make income and expense records (cash flow) so that it can be known the profit gained by business womens of opak jepit. The result of this community service is improvement of sales because of product capacity improvement, product quality improvement in terms of packaging and skill in compiling income and expense records.   Keywords : TTG,  production capacity,  product quality, simple-financial-reporting 

Pengaruh literasi keuangan terhadap kinerja umkm di Surabaya

Journal of Business & Banking Vol 8, No 1 (2018): Mei - Oktober 2018
Publisher : STIE Perbanas Surabaya

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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.

Studi Good Corporate Governance dan kinerja saham perusahaan publik pada sektor manufaktur di Indonesia

Journal of Business & Banking Vol 7, No 2 (2017): November 2017 - April 2018
Publisher : STIE Perbanas Surabaya

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Abstract

This study aimed to examine the effect of Good Corporate Governance on manufac-turing companies. The researchers used the boards of the commissioner, managerial ownership, independent commissioner, and foreign ownership as Good Corporate Governance’s proxy on the performance of the stock. The independent variables con-sist of the boards of the commissioner, managerial ownership, independent commis-sioner, and foreign ownership. The performance of stock is used by using stock re-turn as measurement and dependent variable. The sample consists of manufacturing companies of the period of 2010-201. The hypothesis was tested by using multiple regressions linear. Simultaneously, the boards of commissioners, managerial owner-ship, independent commissioner, and foreign ownership significantly affect the per-formance of the stock. Partially, the boards of commissioner negative significantly affect the performance of the stock. In addition, the managerial ownership and inde-pendent commissioner do not significantly affect the performance of the stock. Yet, the foreign ownership positively and significantly affects the performance of the stock.