Journal of Business & Banking https://journal.perbanas.ac.id/index.php/jbb <div class="additional_content"> <div> <p><img style="padding-right: 10px; width: 200px;" src="https://journal.perbanas.ac.id/public/site/images/webmaster/jbb-cover.png" alt="" height="332" align="left" /></p> </div> <div style="text-align: justify;"> <p>The Journal of Business &amp; Banking (JBB) has been published since 2011 under the management of PPPM (Center for Research and Community Services) Universitas Hayam Wuruk Perbanas Surabaya. The publication of this research journal aims to improve the research product quality, and channel all the interested parties in sharing and disseminating knowledge to academics, students, practitioners, and observers of knowledge. Articles that are accepted should be based on the results of research or the review of research articles for all topics, related to the fields of business and banking. The Journal of Business &amp; Banking (JBB) collaboration with <a href="https://fmi.or.id/jurnal/">Indonesian Management Forum (FMI)</a> and <a href="https://isei.or.id/">ISEI Cab. Surabaya Koord. JATIM</a>. The Journal of Business &amp; Banking (JBB) is published twice a year, namely the edition of May-October and that of November-April. It was accredited by the Directorate of Higher Education (Dikti), Jakarta, with its accreditation No: <a href="https://drive.google.com/file/d/1mDLu7DwELIxV5voF1qBiIRcU_dIFjhnA/view">79/E/KPT/2023</a>.</p> </div> </div> <p><img src="https://journal.perbanas.ac.id/public/site/images/webmaster/jbb-sertifikat-on.png" alt="" width="450" height="300" /></p> en-US [email protected] (Rr. Iramani) [email protected] (Yunita Setya Tiar) Thu, 31 Oct 2024 00:00:00 +0000 OJS 3.2.1.5 http://blogs.law.harvard.edu/tech/rss 60 Analisis faktor penentu keberhasilan implementasi sistem informasi akademik pada ISB Atma Luhur https://journal.perbanas.ac.id/index.php/jbb/article/view/4499 <p>To support higher education, academic information systems are required. However, user satisfaction, especially among students, is crucial to the system’s success. The aim of this research was to investigate the relationship between student happiness and the quality of academic information systems at the Atma Luhur Institute of Science and Business (ISB), using ease of use as a mediating variable. This study aims to analyze the factors influencing student satisfaction with the academic information system at ISB Atma Luhur. Using structural equation modeling (SEM) with a partial least squares (PLS) approach, this research examines the impact of information quality, system quality, and service quality on ease of use and student satisfaction. Data were collected through questionnaires distributed to 200 students who use the information system. The results indicate that information quality and system quality significantly affect ease of use, which in turn affects student satisfaction. Additionally, service quality has a direct and significant impact on student satisfaction. These findings contribute significantly to the development of academic information systems by highlighting aspects that need attention to enhance user satisfaction. The practical implications of this research include recommendations for improving information quality, system quality, and service quality within the context of academic information systems.</p> Amri Amri, R Burham Isnanto, Ari Amir Alkodri, R Ferry Bakti Atmaja Copyright (c) 2024 R Burham Isnanto, Amri Amri, Ari Amir Alkodri, R Ferry Bakti Atmaja https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/4499 Thu, 31 Oct 2024 00:00:00 +0000 The effect of perceived benefits,ease of use, and risk on culinary MSMEs’ interest in utilizing QRIS https://journal.perbanas.ac.id/index.php/jbb/article/view/4674 <p>The GNNT (National Non-Cash Movement) program is in line with fintech innovations that have a real impact on improving the efficiency of the payment system, financial inclusion, and the Indonesian economy. In the Kedungkandang sub-district area of Malang City, the number of culinary MSME units has increased, which can encourage GNNT to be realized. However, many culinary MSMEs have not optimized using QRIS as a non-cash payment tool. This study aims to see the effect of perceived benefits, ease of use, and risk on culinary msmes’ interest in utilizing QRIS. This research uses Quantitative method approach in this research. Culinary MSMEs are in Kedungkandang District, Malang City, as the research population. The sample was taken by a purposive sampling technique with a research sample of 100 respondents. Data ere collected by n distributing questionnaires and was measured using nominal and Likert scales-data processing with Stata 17 software with a multinomial logistic regression model. The results show that perceived benefits, convenience and risk partially affect the interest of culinary MSMEs in using QRIS. The perception of benefits, convenience and risk encourages an increase in the probability of interest in culinary MSMEs in using QRIS so that perceived benefits can increase MSME understanding of the benefits of QRIS, the perception of ease of use supports increased adoption of QRIS use; perceived risk can encourage strengthening the QRIS security system so that MSMEs are more confident and adopt QRIS.</p> Fitri Rahmawati, Santi Merlinda Copyright (c) 2024 Fitri Rahmawati, Santi Merlinda https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/4674 Thu, 31 Oct 2024 00:00:00 +0000 Peran bias perilaku investor dalam proses pengambilan keputusan dan kinerja investasi https://journal.perbanas.ac.id/index.php/jbb/article/view/4618 <p>This study aims to determine whether investor bias, including heuristic and herding biases, has an impact on investors’ investment behaviour, particularly in Indonesia. The sample was taken by purposive sampling, which is a non-probability sampling technique. This technique is used to identify respondents who have already made stock investments on the stock exchange. This study used 154 investor respondents, specifically those who started investing in stock from various range of age. The study employs path analysis using the Smart-PLS software tool for data analysis. The results of this study show that heuristic bias is proven to have a significant positive effect on investors’ investment decisions and performance. Furthermore, investment decisions are proven to mediate the effect of heuristic bias on investor investment performance. On the other hand, herding bias is not proven to have an effect on investor investment decisions and performance. In addition, investor investment decisions are also not proven to mediate the effect of herding bias on investor investment performance. Based on the results of this study, investors need to be aware of the role of heuristic bias to make more rational decisions that can ultimately improve investor investment performance.</p> Roseline Mannuela Anwar, Hendry Wijaya, Rita Amelinda Copyright (c) 2024 Roseline Mannuela Anwar, Hendry Wijaya, Rita Amelinda https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/4618 Thu, 31 Oct 2024 00:00:00 +0000 Determinan innovative work behavior generasi Z: dengan grit sebagai pemoderasi https://journal.perbanas.ac.id/index.php/jbb/article/view/4443 <p><span class="fontstyle0">Generation Z is a new worker demographic beginning to dominate the workplace. This study aims to investigate and explain the impact of workplace ostracism and job stress on innovative work behavior among Generation Z employees in Salatiga, using grit as a moderating variable. Companies are also anticipated to become aware of the influence of workplace ostracism and job stress on Gen Z employees’ grit and innovative work behavior, allowing them to develop HR management methods to foster innovative work behavior from Gen Z employees. The study was conducted in Salatiga, with 366 samples from Generation Z<br />respondents. The analysis technique employed was Moderating Structural Equation Modeling with SmartPLS. The fndings of this study indicate that grit can be a variable that reduces the negative impact of workplace ostracism and job stress on the innovative work behavior of Gen Z employees, implying that to foster innovative workplace behavior, companies must also be able to encourage high grit in their employees, particularly Gen Z employees. Managers must be able to educate employees on the value of grit in establishing long-term success and innovative work behavior.</span> </p> Yanuar Surya Putra, Hardi Utomo, Ambar Istiyani Copyright (c) 2024 Yanuar Surya Putra, Ambar Istiyani https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/4443 Thu, 31 Oct 2024 00:00:00 +0000 Intellectual capital, CSR, and earnings quality impact on equity cost of capital https://journal.perbanas.ac.id/index.php/jbb/article/view/4649 <p>Companies need additional funds to improve their business activities, and one source of these funds is investors, which involves the cost of equity capital. Several factors influence the cost of equity capital, including the disclosure of intellectual capital, corporate social responsibility (CSR), and earnings quality. This study empirically examines the impact of intellectual capital disclosure, CSR, and earnings quality on the cost of equity capital. The research sample consists of 30 manufacturing companies in the consumer goods industry sector listed on the Indonesia Stock Exchange during the 2017-2021 period. The results show that intellectual capital disclosure, CSR, and earnings quality significantly affect the cost of equity capital in manufacturing companies within the consumer goods industry. Higher disclosures of intellectual capital and CSR are expected to enhance a company’s transparency and reputation, thereby reducing the cost of equity capital. However, the findings also indicate that increased disclosure can heighten investors’ perceived risk, which, in turn, raises the cost of equity capital. The implication is that companies need to balance information disclosure to effectively manage perceived risk and optimize the cost of equity capital.</p> Fivi Anggraini, Ethika Ethika, Selvi Adenia Safitri Copyright (c) 2024 Fivi Anggraini, Ethika Ethika, Selvi Adenia Safitri https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/4649 Thu, 31 Oct 2024 00:00:00 +0000 Factors influencing financial behavior: The role of income as a moderator of financial knowledge https://journal.perbanas.ac.id/index.php/jbb/article/view/4867 <p class="Ventura-Abstract">The purpose of this study is to analyze the financial behavior of female MSME entrepreneurs, with income as a moderating variable. The data were collected by using a survey as the instrument in the form of a questionnaire. The respondents for this study were female MSME entrepreneurs residing in Solo and Yogyakarta, totaling 400 respondents, with 200 from each region. The distribution of the questionnaire was carried out offline and online via google form. The results indicate that financial knowledge and income do not influence financial behavior, while financial technology and lifestyle negatively affect financial behavior. Internal locus of control and spiritual intelligence positively impact financial behavior, with income which is not able to moderate the relationship between financial knowledge and financial behavior. These results have implications for the financial behavior of women who work as MSME entrepreneurs to improve their financial knowledge so that they become better and wiser in their financial behavior.</p> Agustinus Kismet Nugroho Jati, Endang Purwaningsih, Margareta Ernanda Rahardani Copyright (c) 2024 Agustinus Kismet Nugroho Jati, Endang Purwaningsih, Margareta Ernanda Rahardani https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/4867 Thu, 31 Oct 2024 00:00:00 +0000 Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste https://journal.perbanas.ac.id/index.php/jbb/article/view/5024 <p>Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.</p> Leonardo Bele Bau Amaral, Rr Iramani, Tanza Dona Pertiwi Copyright (c) 2024 Leonardo Bele Bau Amaral, Rr Iramani, Tanza Dona Pertiwi https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/5024 Thu, 31 Oct 2024 00:00:00 +0000 Determinan keputusan penggunaan pembayaran digital: Peran niat sebagai mediasi literasi keuangan https://journal.perbanas.ac.id/index.php/jbb/article/view/4993 <p>This study aims to examine the influence of financial literacy, risk perception, lifestyle, and the use of digital payments, all of which are mediated. by intention, on Generation Z in Surabaya. This study uses quantitative methods and purposive sampling techniques involving 175 Generation Z respondents in Surabaya. The data analysis technique uses a structural equation model with partial least squares (SEM-PLS). The results of the study indicate that financial literacy has a direct influence on the intention and use of digital payments, while risk perception does not directly affect the intention to use digital payments but directly affects the use of digital payments. Meanwhile, lifestyle does not directly affect the use of digital payments. This study proves that the intention to use digital payment applications is able to mediate the influence of financial literacy on the use of digital payments. Yet, the intention to use digital payment applications is not able to mediate the perception of risk in the use of digital payments. It can be implied that financial literacy is important for increasing the use of digital payment applications for Generation Z in Surabaya through high intentions.</p> Muchamad Khozin Chanafaro, Linda Purnama Sari Copyright (c) 2024 Muchamad Khozin Chanafaro, Linda Purnama Sari https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/4993 Thu, 31 Oct 2024 00:00:00 +0000 Peran komitmen organisasi sebagai pemediasi hubungan antara kompensasi, motivasi, dan kinerja pegawai https://journal.perbanas.ac.id/index.php/jbb/article/view/4447 <p>This study analyzes the role of organizational commitment as a mediator between compensation, motivation, and performance of PPNPN employees at the Pusdatin of the Ministry of ATR/BPN, with a sample of 48 employees using a saturated sampling technique. The role of PPNPN is important to study because it will be able to explain its contribution to the performance of government agencies because PPNPN performance is measured through plans and performance targets made by employees and must be achieved within a certain period of time or what is commonly referred to as Employee Performance Targets (SKP). Performance targets made at the beginning of the year will then be assessed at the end of the year and their compliance with the predetermined targets will be assessed. The analysis technique used is SEM-PLS with the WarpPLS 8.0 program, and data was collected through a Google Form questionnaire. The results of the study indicate that compensation does not have a significant effect on employee performance, while motivation and organizational commitment have a significant positive effect on performance. Organizational commitment also mediates the effect of compensation and motivation on employee performance. The implication of this study is the importance of programs to improve organizational commitment and PPNPN motivation in order to encourage employee performance.</p> Shania Ayanda Nur, Soni Harsono, Tjahjani Prawitowati Copyright (c) 2024 Shania Ayanda Nur, Soni Harsono, Tjahjani Prawitowati https://creativecommons.org/licenses/by/4.0 https://journal.perbanas.ac.id/index.php/jbb/article/view/4447 Thu, 31 Oct 2024 00:00:00 +0000