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Results in Journal ECONBANK: Journal of Economics and Banking: 48

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Joao Xavier Barreto Nunes, Renny Apriliyani, Sapto Supriyanto
ECONBANK: Journal of Economics and Banking, Volume 3, pp 104-116; https://doi.org/10.35829/econbank.v3i2.217

Abstract:
Educators have a very important role for the development of human resources quality. Therefore, the performance of educators in the Rindam IX/Udayana needs to be considered. The performance of educators is the result of work both in quality and quantity achieved by an educator in carrying out the tasks for which they are responsible. The purpose of this study was to determine the effect of competence, work culture and leadership on the performance of educators at Rindam IX Udayana. The sample used in the study was 120 respondents. Data collection was done by using a questionnaire. The data analysis technique used in this research is multiple linear regression. The results of the analysis show that competence, work culture and leadership have a positive and significant effect on the performance of educators at Rindam IX Udayana. Increasing competence, good work culture and good leadership will improve the performance of educators at Rindam IX Udayana. The competence factor has the greatest influence on the performance of educators at Rindam IX Udayana. Therefore, educators are required to master teaching materials and have the ability to provide guidance to students, to be wise and authoritative in addressing any problems or learning process in the Rindam IX Udayana
Pratomo Cahyo Kurniawan, Singgih Setiawan, Nafilah Nafilah
ECONBANK: Journal of Economics and Banking, Volume 3, pp 97-103; https://doi.org/10.35829/econbank.v3i2.219

Abstract:
This study purpose to determine the effect of SMEs financial reports on access to credit that can be received by SMEs entrepreneurs in the Covid 19 pandemic. This study uses primary data obtained from direct observations with catering owners Mbok Dade. The analysis technique used is observation and literature study. The results of the study indicate that the SMEs Financial Statements can be one of the supporting factors in obtaining access to bank credit. Other factors can be in the form of prospective customer profiles and credit guarantees.
Sandra Wilhelmina Wijaya, Pandji Anoraga
ECONBANK: Journal of Economics and Banking, Volume 3, pp 117-127; https://doi.org/10.35829/econbank.v3i2.216

Abstract:
This research was intended to evaluate the influence of leadership and motivation on the performance of village officials in Subah Sub-District, Batang Regency. This research was classified as quantitative research. Data were collected successfully by distributing questionnaires directly to the research site. The research population was amounted to 174 people, while the research sample was composed of 122 samples. The results showed that the leadership and motivation variables were partially and simultaneously influencing the performance of village officials in Subah Sub-District, Batang Regency. The variables of leadership and motivation were simultaneously able to affect the performance of village officials by 59.4%. This research was dominated by the work motivation variable, because by a 1% increase in motivation, the performance of village officials would have an effect of 0.357%.
Muhammad Syahwi, Setyo Pantawis
ECONBANK: Journal of Economics and Banking, Volume 3, pp 150-163; https://doi.org/10.35829/econbank.v3i2.202

Abstract:
Customer satisfaction is a feeling of pleasure or displeasure with a product or service from a company. This study aims to analyze the effect of product quality, service quality, corporate image, and customer value on customer satisfaction. A total of 100 indihome customers in Semarang City were taken as samples by purposive sampling. The data analysis technique used in this research is multiple linear regression analysis. The results showed that product quality, company image, and customer value had a positive and significant effect. While the service quality variable has no effect on customer satisfaction. The customer value variable has the most dominant influence on indihome customer satisfaction in the city of Semarang.
Agus Wicaksono, Suci Stiningsih
ECONBANK: Journal of Economics and Banking, Volume 3, pp 128-140; https://doi.org/10.35829/econbank.v3i2.209

Abstract:
This study aims to analyze the effect of Entrepreneurial Orientation (Innovation, Risk Taking, Proactive) on MSME Performance; The mediating effect of Financial Access and Competitive advantage is based on the direct and indirect subsections of Entrepreneurial Orientation. The object of this research is Culinary SMEs in Grobogan. Data were obtained from 84 samples of Culinary SMEs in Grobogan which were taken by accidental sampling. The data analysis technique used in this research is SEM-PLS. The results of this study indicate that Risk Taking and Proactive have a positive effect on MSME Performance. While innovation does not affect the performance of SMEs. Innovation and Proactive have a positive effect on Financial Access, while Risk-taking has no effect on Financial Access. Access to Finance has a positive effect on Competitive Advantage, and Competitive Advantage has a positive effect on MSME Performance). Financial Access and Competitive Advantage are able to mediate the relationship between proactiveness and MSME performance but are unable to mediate the relationship between innovation and risk-taking with the performance of culinary MSMEs in Grobogan
Anisa Raihan Fadhilah Zain, Nisa Nurramdhiani Khofifah, Adriansah Bahrun
ECONBANK: Journal of Economics and Banking, Volume 3, pp 141-149; https://doi.org/10.35829/econbank.v3i2.197

Abstract:
The number of businesses in laundry resulted in the number of competitors getting tougher. One of the management strategies that can be applied in creating and increasing competitive advantage is to implement a cost advantage strategy. This study aims to determine the cost advantage strategy in the Express Laundry business in Purwakarta. Data collection techniques in this study by conducting direct observations in the field and interviews with informants in accordance with the problems studied. The type of research used is descriptive qualitative. The result of this research is the implementation of a cost advantage strategy in the laundry business, Express Laundry provides quality products at low prices to be an attraction for customers. Armed with good service and affordable service prices, this business can have high market potential. Good service quality from a laundry or laundry business is the most important thing in providing satisfaction to customers. Keywords: Cost Advantage, Laundry Business, Express Laundry
Ulfah Unnuriyah, Ira Septriana
ECONBANK: Journal of Economics and Banking, Volume 3, pp 87-96; https://doi.org/10.35829/econbank.v3i2.180

Abstract:
One source of external financing of a company is debt. Therefore, debt-related policies are very important for companies. This study aims to analyze the effect of liquidity, profitability, and sales growth on debt policy. The population in this study were food and beverage companies listed on the Indonesia Stock Exchange in 2015 - 2018. The sampling technique used in this study was purposive sampling so that a sample of 39 company data was obtained. The data analysis method used is multiple linear regression analysis. The results of this study indicate that liquidity has a negative and significant effect on debt policy. Meanwhile, profitability and sales growth have no effect on debt policy
Rohmad Abidin, Taufik Kurnialensya
ECONBANK: Journal of Economics and Banking, Volume 3, pp 164-171; https://doi.org/10.35829/econbank.v3i2.218

Abstract:
In managing reports on sales of fuel oil (BBM) at gas stations xxx Semarang using reports in the form of paper. The sales report paper is then recapitulated by the Administrative Officer. When going to perform data processing, the officer finds it difficult to present the sales data requested by the Manager. To overcome the problems that exist in the manual system, it is necessary to create a BBM Sales Information System so that data management and report generation can be done better. This research focuses on sales data for each type of fuel. To illustrate the requirements of the system using a use case diagram. The information system that will be created is built for the Android operating system that runs on tablet devices to make it easier for operators to fill in fuel sales data. The database used is SQLite because it is one of the databases that support mobile devices. The new system development method uses a prototype model. The stages used in the development of this system include the needs identification stage, the design stage, the prototyping manufacturing stage, the testing stage, and the implementation stage. The results of the development show that the Gas Station Sales Recording Application can run well because it is according to the manager's needs.
Haning Kusuma, M . Trihudiyatmanto
ECONBANK: Journal of Economics and Banking, Volume 3, pp 1-11; https://doi.org/10.35829/econbank.v3i1.121

Abstract:
This study aims to determine the factors that influence online buying interest in the Sociolla marketplace. The variables studied were trust, ease of use, electronic word of mouth, and sales promotion. The background of this research is the decline in buying interest on the Sociolla website from July 2019 - September 2020. This study uses primary data generated from questionnaires. By using the purposive sampling technique, obtained a sample of 108 respondents. The data analysis technique used the Structural Equation Model (SEM) with the help of AMOS software. The results of this study indicate that the variables of trust, use, electronic word of mouth, and sales promotion have a positive effect on online buying interest
Muhammad Judhanto Eka Bio, Nanang Suryadi
ECONBANK: Journal of Economics and Banking, Volume 3, pp 12-18; https://doi.org/10.35829/econbank.v3i1.84

Abstract:
The aim is to determine the effect of taxpayer understanding and service quality on taxpayer compliance at KPP Pratama Gresik Selatan. This type of research is explanatory research which explains and proves the influence between variables through hypothesis testing. The sampling technique used random sample sampling with a sample size of 97 taxpayers who do report and tax payments located in South Gresik. Data analysis using multiple linear regression analysis. The results of this study indicate that the variables of taxpayer understanding, physical evidence, reliability, responsiveness, assurance, and empathy have a positive and significant effect on taxpayer compliance. The physical evidence variable has the most dominant influence on taxpayer compliance.
Tri Adhi Santoso, Aulia Vidya Almadana
ECONBANK: Journal of Economics and Banking, Volume 3, pp 19-26; https://doi.org/10.35829/econbank.v3i1.132

Abstract:
This study aims to determine the entrepreneurial intentions of vocational school students in Semarang City. The factors used to explain entrepreneurial intentions are entrepreneurship education and self-efficacy. This research was conducted in the city of Semarang. The number of samples used was 100 respondents using probability sampling techniques. The data that has been collected is processed using multiple regression analysis techniques. The data sources used are primary data and secondary data. The results showed that the two independent variables (Entrepreneurship Education and Self Efficacy) had a positive and significant effect on entrepreneurial intentions of vocational school students in Semarang City.
Muhammad Fikri Aziz, Prabowo Yudo Jayanto
ECONBANK: Journal of Economics and Banking, Volume 3, pp 27-36; https://doi.org/10.35829/econbank.v3i1.120

Abstract:
Islamic financial institutions in Indonesia are growing rapidly. However, the market share of Islamic financial institutions are still far from conventional financial institutions. The purpose of this study was to determine the effect of level of income, religiosity, culture, the principle of profit-sharing, and quality of service to members saving decisions at KSPPS in Semarang City. The population of this research are active members of KSPPS that registered in Dinas Koperasi dan Usaha Mikro Kota Semarang. The sampling technique uses accidental sampling and the number of the sample of this research are 100 respondents. Primary data collection using questionnaire method. The data were analyzed using descriptive analysis and PLS-based Structural Equation Modelling (SEM) with SmartPLS 3.0 analysis tool. Result of this research showed that level of income, religiosity, culture, the principle of profit sharing and quality of service has a significant positive effect on saving decision members at KSPPS in Semarang City
Muhamad Riski Miranto, Dwi Suryanto Hidayat
ECONBANK: Journal of Economics and Banking, Volume 3, pp 37-52; https://doi.org/10.35829/econbank.v3i1.98

Abstract:
This research was conducted with the aim of (1) analyzing the effect of brand association and perceived quality on brand equity, (2) knowing the effect of brand association, perceived quality and brand equity on purchasing decisions. (3) to determine the indirect effect of brand association and perceived quality on purchasing decisions through brand equity. A total of 100 respondents were taken as samples using snowball and accidental sampling. The data analysis technique used in this study was SEM-PLS with the help of SmartPLS version 3 software. The results showed that (1) brand association and perceived quality have a significant effect on brand equity. (2) brand association and brand equity have a positive and significant effect on purchasing decisions. (3) quality perceptions have no effect on purchasing decisions (4) Brand association and perceived quality has a positive and significant effect on purchasing decisions through brand equity
Agung Nurrohmat, Himawan Arif Sutanto
ECONBANK: Journal of Economics and Banking, Volume 3, pp 53-69; https://doi.org/10.35829/econbank.v3i1.158

Abstract:
Financial management behavior is one of the main topics of discussion at this time. Because it is related to consumptive behavior in the community in Indonesia, and especially in the community of Kajoran sub-district. This research aims to determine the effect on financial literacy, financial attitude, income and locus of control financial management behavior. 100 people take as respondent using accidental sampling method. Analytical method uses linear regression test. The research show that financial literacy, financial attitude and locus of control have positive effect on financial management behavior. While income doesn’t affect on financial management behavior
May Linda Nugraheni, Chaidir Iswanaji
ECONBANK: Journal of Economics and Banking, Volume 3, pp 70-75; https://doi.org/10.35829/econbank.v3i1.117

Abstract:
The purpose of this study was to determine the Acceptance and Management of Customer Funds at Bank Jateng, Magelang Coordinator Branch. This type of research is qualitative, because it emphasizes the process that is taken from the phenomenon and then the conclusion is drawn. The object of this research came from 20 informants or resource persons who work at the Bank Jateng, Magelang Coordinator Branch. The data source of this study came from an informant who was interviewed structurally. Based on the data analysis, it can be concluded that: (1) Receipt of customer funds at the Magelang Coordinator Branch Bank Jateng uses the accrual-based method. Where the funds received by the Magelang Coordinator Branch Bank Central Java can be in the form of demand deposits, savings deposits, and time deposits. These funds are collected from the community. (2) Management of customer funds at the Magelang Coordinator Branch Bank Central Java uses a cash-based method. The management of customer funds at Bank Jateng, the Coordinator of Magelang Branch, is in the form of loans, such as: PLO credit, Small Business Credit (KUK), Multipurpose Credit, People's Business Credit (KUR), KFW Loans, and additional business capital for family business activities.
Aprillia Elly Kusumastuti, Fitra Rizqiana
ECONBANK: Journal of Economics and Banking, Volume 3, pp 76-86; https://doi.org/10.35829/econbank.v3i1.156

Abstract:
This study aims to analyze the effect of consumer satisfaction on willingness to pay and to analyze the effect of consumer satisfaction on willingness to pay with reputation variable as moderated. The population in this study are consumers who buy Honda motorcycle products at Honda Prima & AHASS Pemalang Motorcycle Dealers. The number of samples is 100 respondents. The sampling technique used was purposive sampling. The purposive sampling technique is a sampling-based on the criteria aimed at by the researcher. The data analysis used in this research is Moderated Regression Analysis. The results showed that consumer satisfaction has a significant effect on willingness to pay for consumers of Honda Prima & AHASS Pemalang Motorcycle Dealers. The company's reputation moderates the effect of consumer satisfaction on willingness to pay on consumers of Honda Prima & AHASS Pemalang Motorcycle Dealers
Alexander Nova Vernando, Erlitawati Kaharudin Kaharudin
ECONBANK: Journal of Economics and Banking, Volume 2, pp 100-108; https://doi.org/10.35829/econbank.v2i2.99

Abstract:
Teacher performance plays an important role in the success of the National education program. This study aims to determine the effect of the principal's participatory leadership style and organizational culture on the performance of elementary school teachers. The entire population in this study was used as a sample, amounting to 80 elementary school teachers in Cluster 1 Baskara Sumirat Semarang. Data analysis used simple linear regression analysis. The results of the study prove that the principal's participatory leadership style and organizational culture have a positive and significant effect on teacher performance. The principal's participatory leadership style makes a significant contribution to teacher performance. Therefore, to improve teacher performance, the principal should try to implement participatory leadership behavior, besides that the principal also needs to improve his knowledge and skills about this leadership, either on his own initiative or on the initiative of the education institution office or other related parties.
Iqbal Baihaqi Baihaqi, Rudi Suryo Kristanto
ECONBANK: Journal of Economics and Banking, Volume 2, pp 109-120; https://doi.org/10.35829/econbank.v2i2.104

Abstract:
The phenomenon that occurs in the field states that almost half the workers surveyed to reach 49% of people say workers have changed their careers or fields of work drastically, it is certainly interesting to do research. This study aims to determine the effect of work value, emotional intelligence, and work life balance on career commitment. The population in this study is the Y generation in the city of Semarang. Non-probability sampling techniques are used to determine the research sample and data collection is done through the distribution of questionnaires to 150 respondents. In this study, the method used is multiple linear regression. From the results of the analysis found that (1) the value of work does not affect career commitment with a significant level of 0.288> 0.05 (2) emotional intelligence affects the career commitment with a significance level of 0.000 0.05. Adjusted R2 value is 0.475, which means 47.5% of variations in Career Commitment can be explained by the independent variables work value, emotional intelligence, and work life balance while the remaining 52.5% career commitment can be explained by other factors.
Yuliani Dwi Rahmawati, Rahmi Yuliana Yuliana
ECONBANK: Journal of Economics and Banking, Volume 2, pp 157-168; https://doi.org/10.35829/econbank.v2i2.100

Abstract:
This study aims to determine the effect of perception of benefits, perception of ease, and security perception on the decision to use e-wallet for STIE Bank BPD Jateng students. The population in this study is the active students of 2016 - 2019 who are in STIE Bank BPD Jateng, amounting to 824 students. The sampling technique used in this study uses snowball sampling and The number of samples selected was 90. Data collection methods with questionnaires distributed online. The analytical tool in this study is multiple linear regression analysis. The results show that the perception of benefits, perceived convenience, and perceived security have a positive and significant effect on the decision to use e-wallet for students. Variable perception of security has a dominant influence on the decision to use e-wallet for students. Security is indeed the most important in the decision to use e-wallet because someone feels safe and protected.
Rinwantin Rinwantin, Yanti Pujiastuti
ECONBANK: Journal of Economics and Banking, Volume 2, pp 121-128; https://doi.org/10.35829/econbank.v2i2.97

Abstract:
Increasing student interest in investing in sharia is needed. This study aims to determine the effect of investment training, risk perception, and knowledge on student interest in investing in sharia. The research was conducted on students who were members of the Islamic Economics Study Group in Semarang. A total of 70 students were taken as samples with accidental sampling. The analysis technique used in this research is multiple linear regression analysis. The results showed that investment training and perceptions of risk had a positive and significant effect on students interest in sharia investing. Meanwhile, the investment knowledge variable has no effect on student interest to invest in Sharia. The most dominant variable in influencing interest students to investing in Sharia in Semarang is investment training. The coefficient of determination of 0.718 indicates that interest in investing in sharia is influenced by training, perceptions of risk and knowledge of 71.8%, while 28.2% is influenced by other factors outside the model. Therefore, efforts to increase students interest to investing in sharia can be done by providing training and understanding to students regarding perceptions of risks in investing in Sharia.
Chandra Ayu Dwi Shintiya, Muliawan Hamdani
ECONBANK: Journal of Economics and Banking, Volume 2, pp 129-137; https://doi.org/10.35829/econbank.v2i2.102

Abstract:
This study aims to determine the effect of leadership and motivation on employee job satisfaction at PD BPR BKK Blora. The sampling technique used in this study is a census, where the entire population is taken as a sample of 50 employees. The analysis technique used is multiple linear regression. Based on this research, it can be seen that leadership and motivation have a positive and significant effect on job satisfaction. This result means that the better the leadership is applied, the higher the employee's job satisfaction. The existence of a leader who can generate ideas for employees at work, prioritizes partnerships with employees and empowers and involves employees in development can make employees higher job satisfaction. Likewise, motivation means that the higher the work motivation, the higher the employee's job satisfaction.
Valdin Lazuardi Abubakar, Setyo Pantawis Pantawis
ECONBANK: Journal of Economics and Banking, Volume 2, pp 138-147; https://doi.org/10.35829/econbank.v2i2.101

Abstract:
This study aims to obtain empirical evidence of the effect of income on property demand and property investment decisions in Semarang City. Research gaps and practical data indicate that an increase in income does not always coincide with an increase in decisions to investment dicisions. The independent variable in the study is income, while the dependent variable are investment decisions and property demand. The population used in this study are residents of Semarang City who purchase commercial properties for future investment purposes and number of sampe is 97 people, taken by purposive sampling technique. The data collection method used a questionnaire. The findings of this study prove there is a positive-significant effect of the income on investment decisions and on property demand.
Pandji Anoraga
ECONBANK: Journal of Economics and Banking, Volume 2, pp 148-156; https://doi.org/10.35829/econbank.v2i2.105

Abstract:
The purpose of this report includes the first to determine the feasibility of regional capital participation both economically and legally. The second is as a basis for formulating policies on the implementation of PDAM X Equity Participation.The methodology used in PDAM X's equity analysis is SWOT analysis, portfolio management, risk management and feasibility studies (organizational & human resources aspects, market and marketing aspects, production and operation aspects, audited data-based financial aspects). Financial aspects as a result of improved service and production are increased sales, cost efficiency and profit levels. From a financial aspect, the PDAM service portfolio must answer the problem, however it is very dependent on the funding for operating activities, and on the other hand, it must be able to meet the growing profitability. If there is additional investment funds, the direction is to be able to increase production capacity, service and ultimately be able to increase the volume of water services and be able to increase the profitability of PDAMs. Thus it can be concluded that the project can improve service to consumers and from better service, better water sales will be obtained and better profits.
, Siti Puryandani
ECONBANK: Journal of Economics and Banking, Volume 2, pp 43-54; https://doi.org/10.35829/econbank.v2i1.78

Abstract:
Investors always use various information to get the maximum profit in investment activities. One such information is the bid-ask spread. This study aims to determine the effect of company size, stock prices, stock price volatility and trading volume on the bid-ask spread of companies listed in the LQ45 index in the period 2015 to 2018. A total of 14 companies were taken as a purposive sampling sample in order to obtain 56 observational data. The analytical method used in this study is the method of multiple linear regression analysis. The results showed that stock prices and stock price volatility affect the bid-ask spread. While company size and trading volume do not affect bid-ask spread. Investors can consider the size of the company, stock prices, stock price volatility, and trading volume to avoid high spreads and get profit in the future.
Kinanti Pradita Pangesti, Himawan Arif Sutanto
ECONBANK: Journal of Economics and Banking, Volume 2, pp 21-36; https://doi.org/10.35829/econbank.v2i1.76

Abstract:
The increasing trend in the halal industry is one of the growth factors of sharia banking, but the increase in sharia banking growth is also accompanied by an increase in financing issued by sharia banks that can affect the financial performance of sharia banks. The high risk of financing and the weak fulfillment of the quality of Islamic bank human resources resulted in the performance of Islamic banks always below conventional banks. This study aims to determine the effect of intellectual capital, non-performance financing, Islamic social reporting and Islamic performance index on the financial performance of Islamic banking. The data was taken purposively from Islamic banking companies registered with the Financial Services Authority (OJK) for the 2014-2018 period. Multiple linear regression analysis has been used to analyze the data in this study. The results showed that Non-Permofance Financing (NPF) had a negative effect on the financial performance of Islamic Banks. Whereas Intellectual Capital as measured by Value Added Intellectual Coefficient (VAIC), Islamic Social Reporting, and Islamicity Performance Index has no effect on Islamic bank finance. .
, Metta Metta Kusumaningtyas
ECONBANK: Journal of Economics and Banking, Volume 2, pp 55-64; https://doi.org/10.35829/econbank.v2i1.79

Abstract:
This study aims to examine the effect of profitability, leverage, company size, and dividend policy on firm value. This research was conducted on property and real estate companies listed on the Indonesia Stock Exchange (IDX) for the period 2013-2017. The data used in this study are secondary data obtained from annual financial statements. The research method was carried out using multiple linear regression and sample selection using a purposive sampling method. Samples obtained as many as 114 companies in the period 2013-2017. The results showed that profitability and dividend policy had a positive effect on firm value. Likewise, leverage has a negative effect on firm value. Sometimes the size of the company does not affect the value of the company.
ECONBANK: Journal of Economics and Banking, Volume 2, pp 37-42; https://doi.org/10.35829/econbank.v2i1.73

Abstract:
An extraordinary event that causes shock can affect volatility which causes asymmetric variance and error or commonly called asimetric shock / effect. This paper aims to analyze the volatility of stock returns of PT ANTAM (Persero) Tbk and PT Adaro Energy Tbk in the period of 2008 to 2016. The research results show that ANTM and ADRO have a GARCH effect and also have a leverage effect where the optimal model is found in the GJR model (0,1,1) for ANTM and GJR (1,1,1) for ADRO. Forecasting results shows that ADRO has higher volatility but in a relatively low percentage of volatility about 0.001 while ANTM have a tendency to decrease volatility with a fairly large percentage of volatility about 0.0025.
Nur Rohmah Hidayati, Andy Dwi Bayu Bawono
ECONBANK: Journal of Economics and Banking, Volume 2, pp 9-20; https://doi.org/10.35829/econbank.v2i1.75

Abstract:
This research aims to examine the influence of Fiscal Space, Locally Generated Revenue(PAD), General Allocation Funds(DAU), Poverty Rate (PPM), and Mean Years School(RLS) on Education Expenditures. The population used in this study is all regency/city in Indonesia. The sampling method in this research using purposive sampling method, collected data processed 505 regency/city samples. The analysis used in this research is multiple linear regression analysis processed using the Statistical Package for Social Science (SPSS) version 21.00 software program. The simulant test result shows that Fiscal Space, Locally Generated Revenue (PAD), General Allocation Fund (DAU), Poverty Rate (PPM), and Mean Years School(RLS) significantly influence Education Expenditures. While the partial test shows that Fiscal Space, Local Original Revenue (PAD), General Allocation Fund (DAU) effect on Education Expenditures, Proverty Rate (PPM) has no effect on Education Expenditures, and Mean Years School (RLS) negatively influences Education Expenditures
Nur Elitami Insan,
ECONBANK: Journal of Economics and Banking, Volume 2, pp 1-8; https://doi.org/10.35829/econbank.v2i1.77

Abstract:
The income of traders in the Banjarsari Emergency Market Pekalongan is influenced by various factors, one of which is the trader resources (capital, working hours, business length, education, and business location). This study aims to determine the effect of capital, working hours, business length, education, and business location on the income of traders in the Banjarsari Emergency Market in Pekalongan. There as 95 traders of Banjarsari Emergency Market in Pekalongan were taken as samples with purposive sampling and accidental sampling. This study uses multiple linear regression analysis tools with the Ordinary Least Square (OLS) method. The results showed that capital, length of business, and location of business affect the income of traders. While working hours and education have not affected the income of the trader. Capital provides the most dominant influence on income trader
, Aprillia Elly Kusumastuti
ECONBANK: Journal of Economics and Banking, Volume 2, pp 65-80; https://doi.org/10.35829/econbank.v2i1.80

Abstract:
Issues are spread about environmental conditions to develop and many become the topic of discussion. One prevention that can be done is to use green products. this study aims to explain environmental concern and social media influence on purchase decisions by mediating green product awareness. The population in this study is the people of Semarang City. The number of samples used was 100 respondents who had bought Lock & Lock products at least once. The sampling technique used is nonprobability sampling with a purposive sampling method. Data were collected using a questionnaire. The analysis technique used is the path analyst and Sobel test. The results of the analysis show that environmental concern and social media cannot directly influence purchasing decisions, but rather must be mediated through green product
, Maria Entina Puspita
ECONBANK: Journal of Economics and Banking, Volume 2, pp 81-88; https://doi.org/10.35829/econbank.v2i1.81

Abstract:
Penelitian ini bertujuan untuk menganalisis pengaruh kecerdasan intelektual (IQ), kecerdasan emosional (EQ) dan kecerdasan spiritual (SQ) terhadap audit judgment dalam menentukan risiko kecurangan. Objek yang diteliti adalah Kantor Akuntan Publik di Jakarta. Teknik pengumpulan data menggunakan metode purposive sampling dengan menggunakan sampel penelitian adalah auditor eksternal yang memiliki masa kerja lebih dari 1 (satu) tahun. Jenis data penelitian menggunakan data primer berupa kuesioner online. Responden penelitian ini berjumlah 40 auditor. Data dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa secara parsial kecerdasan intelektual (IQ) berpengaruh terhadap audit judgment dalam menentukan risiko kecurangan, sedangkan kecerdasan emosional (EQ) dan kecerdasan spiritual (SQ) terbukti tidak berpengaruh terhadap audit judgment dalam menentukan risiko kecurangan.
Mahfud Nugroho, , Imronudin Imronudin
ECONBANK: Journal of Economics and Banking, Volume 1, pp 88-96; https://doi.org/10.35829/econbank.v1i2.43

Abstract:
The aim of this article was to analyze the influence of office location, promotion, religiosity and rate of return on consumer decisions using Islamic banking services. This type of research is quantitative research. The study population is all consumers in Islamic banks located in Jakarta, while the study sample is consumers of Islamic banks taken randomly from several Islamic banks in Jakarta. The sampling technique uses accidental sampling. Retrieval of data uses a questionnaire. The analytical tool used is multiple linear regression analysis. The results showed that location, promotion, level of religiosity, and rate of return had a positive and significant effect on consumer decisions in choosing services at Islamic banks. The level of return is the variable that has the most influence for consumers to use Islamic banking services.
, Widhy Setyowati
ECONBANK: Journal of Economics and Banking, Volume 1, pp 125-134; https://doi.org/10.35829/econbank.v1i2.45

Abstract:
This study aims to analyze the effect of organizational commitment, accounting information systems, and the role of internal audit to the quality of the financial statements of Tegal District Government which consists of 150 respondents, data collection methods using questionnaires, data analysis methods using multiple linear regression analysis and data processing using SPSS application. From the results of the partial test, the organizational commitment variable gives a positive and significant effect to the quality of financial statements, as well as the accounting information system variable that gives a positive and significant effect to the quality of financial statements. The third variable, namely the role of the partially internal audit also gives a positive and significant influence on the quality of financial statements. Those variables simultaneously have a positive and significant influence on the quality of financial statements.
Ahmad Rifai,
ECONBANK: Journal of Economics and Banking, Volume 1, pp 135-142; https://doi.org/10.35829/econbank.v1i2.48

Abstract:
The purpose of this study is knowing the effect of leverage, profitability, capital intensity, and earnings management on tax avoidance. The period of this study is 5 (five) years, from 2013 to 2017. The data used are secondary data. The population is mining sector companies listed on the Indonesia Stock Exchange from 2013 to 2017 with a total of 47 companies. The sample selection is determined by the purpose sampling method and the samples used are 11 companies with a total of 55 data. The data analysis method is multiple linear regression. The results show that profitability, capital intensity, and earnings management negatively affect tax avoidance. Leverage has no effect on tax avoidance.
ECONBANK: Journal of Economics and Banking, Volume 1, pp 97-107; https://doi.org/10.35829/econbank.v1i2.41

Abstract:
Every employee in an organization will do the work in accordance with the responsibilities given to employees. The purpose of this research was to analyze the influence of self-efficacy, workload and job satisfaction on the performance of employee of PJN Metropolitan Semarang Region. Data collection was carried out by distributing questionnaires to 35 employees using the census method. Multiple linear regression analysis techniques are used to analyze the data in this research. The results show that the self-efficacy, satisfaction and workload affect employee performance. The self-efficacy factor is the variable that gives the most dominant influence on the performance of employees of the PJN Metropolitan Semarang Region. Self-efficacy or one's belief in achieving performance makes a person have a high desire in carrying out his obligations and responsibilities as an employee. Employees who are satisfied with their work will voluntarily do their jobs so they can improve their performance. While the workload that is too heavy for employees will result in employees not focusing on doing work so that it can reduce performance. Therefore, to improve the performance of company employees must pay attention to factors of self-efficacy, job satisfaction and workload of employees
Rama Andi Wiguna,
ECONBANK: Journal of Economics and Banking, Volume 1, pp 158-173; https://doi.org/10.35829/econbank.v1i2.47

Abstract:
This research aimed to get empirical evidence about the effect of profitability and good corporate governance as proxied by the proportion of independent board commissioners, number of board commissioners meetings, proportion of audit committee, number of audit committee meetings, managerial ownersip and institutional ownership. The population of this research was companies listed on the Indonesia Stock Exchange in 2016-2017. The sample of this research was fixed by purposive sampling method so that was found 88 samples. Technique of data analysis was multiple linear regression. The result of research showed that profibility, the proportion of independent board commissioners, proporsion of audit committee, managerial ownership and institutional ownership had significant positive effect on firm value, while commissioners meetings and audit committee meetings had no effect on firm value
Sarah Nuriela Sabatini, Mekani Vestari
ECONBANK: Journal of Economics and Banking, Volume 1, pp 143-157; https://doi.org/10.35829/econbank.v1i2.46

Abstract:
The purpose of research is to obtain empirical evidence of the effect of inventory value, fixed assets, firm size, audit quality and audit tenure on audit report lag by using the financial reports statements of manufacturing companies listed on the Indonesia Stock Exchange. The examined factors of this research are from inventory value, fixed assets, firm size, audit quality, and audit tenure as the independent variable, while the audit report lag as the dependent variable. The sample consists of 324 companies listed on the Indonesia Stock Exchange (IDX) and submitted financial reports to OJK in the period 2015-2017. The data that was used in this research was secondary data and selected by using purposive sampling method. This study used purposive sampling and multiple linear regression as the analysis method. The results of this study indicate that the variable fixed assets, and the size of the company have a significant influence to the audit report lag, while the variable value of inventory, audit quality and audit tenure did not have significant influence to the audit report lag.
, Nanang Wahyudin
ECONBANK: Journal of Economics and Banking, Volume 1, pp 174-183; https://doi.org/10.35829/econbank.v1i2.44

Abstract:
The purpose of this study is to analyze the effect of innovation capacity on the competitive advantage of MSMEs as well as to determine differences in innovation capabilities based on a gender perspective. Research respondents were 60 micro business operators in Bangka Regency. Methods of data collection through questionnaires and interviews. Data were processed using linear regression analysis and the Mann-Whitney Test. The results showed that the capability of innovation had a significant effect on the competitive advantage of microbusinesses in Bangka Regency. In terms of gender, there was no difference in innovation capabilities between male and female microenterprise entrepreneurs in Bangka Regency. Keywords: innovation capacity, competitiveness, gender
, Grace Tiana Solovida, Rudi Suryo Kristanto
ECONBANK: Journal of Economics and Banking, Volume 1, pp 108-124; https://doi.org/10.35829/econbank.v1i2.42

Abstract:
Small and Medium Enterprises (SME’s) is a business activity that is able to share work and provide economic services widely to the community and can play a role in the process of equity and increase community income, encourage economic growth, and the role in realizing national stability. The growth of SMEs requires good performance from entrepreneurs who with an entrepreneurial spirit to make business in. The aims of this research are to analyze the influence of managerial skill, entrepreneurship behavior and motivation to business performance on SME’s of Food in Gesing Village, Kandangan District, Temanggung Regency. There are 100 SME owners were taken as samples in this study. The data were collected using a questionnaire. The data analysis technique used multiple linear regression analysis. The results showed that the managerial skill, entrepreneurial behavior and motivation have a positive and significant effect on the performance of SME’s of food. This shows that the better the managerial skill, entrepreneurial behavior, and motivation, the higher the performance of SMEs. the value of Adjusted R square is 0.782 shows the variation of business performance of SME’s in Gesing can be explained by managerial ability factor, entrepreneurship and motivation behavior is 78.2%, while 21.8% is explained other factors outside in the model.
Pratomo Cahyo Kurniawan, Khairina Nur Izzaty
ECONBANK: Journal of Economics and Banking, Volume 1, pp 55-60; https://doi.org/10.35829/econbank.v1i1.2

Abstract:
This research was conducted to examine the effect of good corporate governance and internal control on fraud prevention. The study was conducted at BPR Gunung Rizki. A common problem in this study is that there are still cases of fraud that can threaten the company's going concern. The sampling technique used is total sampling using all members of the population. The technique of collecting data using a questionnaire distributed to all employees except the hygiene and security department. The analysis technique used is multiple linear regression analysis. The results of the analysis show that good corporate governance has a positive effect on fraud prevention. The results of the second analysis show that there is a positive influence between internal control and prevention of fraud.
Pipit Annisa Fitria, Edy Supriyono
ECONBANK: Journal of Economics and Banking, Volume 1, pp 47-54; https://doi.org/10.35829/econbank.v1i1.7

Abstract:
The purpose of this research is to find out the achievement factors of the tax compliance of Small and Medium Enterprise in Purbalingga Regency. The variables tested were the understanding of tax regulations, perceptions of tax rates, and tax justice. The population in this study were all tax payers for Small and Medium Micro Businesses in Purbalingga Regency. The samples produced in this study were 65 respondents. Selected respondents are Small and Medium Micro Businesses who already have an NPWP. The data were collected through questionnaires and analyzed using multiple linear regression analysis. Based on the t-test results show that the variable understanding of tax regulations has a positive effect on taxpayer compliance, the tax rate perception variable negatively affects taxpayer compliance, and the tax justice variable does not affect taxpayer compliance
Asri Nur Wahyuni, Fitri Lukiastuti
ECONBANK: Journal of Economics and Banking, Volume 1, pp 61-78; https://doi.org/10.35829/econbank.v1i1.3

Abstract:
One consideration of an investor before investing is to look at the company's financial performance. There are several variables that influence the assessment of the company's financial performance, in the proposed research, it will examine the variables of liquidity, solvability, activity and profitability and macroeconomic variables, namely inflation as a moderating variable.The research object is all manufacturing sector companies for 5 years (2013-2017). Data requirements to be analyzed are obtained from the company's financial statements published through IDX and ICMD (Indonesia Capital Market Directory). The analytical tool used is MRA analysis (moderate regression analysis). Based on the results of the analysis, it is known that the influence of company financial statements that reflect the financial performance of manufacturing companies that are increasingly reinforced by inflation as a macroeconomic factor.The results of this study are expected to provide empirical contributions regarding the assessment of the company's financial performance based on financial statement analysis taking into account the impact of inflation that occurs and become the reference basis for investors before investing their capital.
Eldes Willy Filatrovi
ECONBANK: Journal of Economics and Banking, Volume 1, pp 79-87; https://doi.org/10.35829/econbank.v1i1.14

Abstract:
The aim of this study is to analyse the effect of Safety Climate, Work Satisfaction and Safety Motivation that influences the employee Safety Behavior at employee APAC Manufacture in Indonesia. The study involved 200 employees as the questionnaire respondents from 4 department production APAC manufacturing company. Simple random sampling was use at quantitative research with a proportional quantity of responden have taken in every department depend on total employee in each department. The validation of qualitative result have used by honest validation from respondens which was confirmated and approved by responden’s with their signature at qualitative question and answer list. Based on the result of The Safety Climate is positive and significant influence to the Safety Motivation The Work Satisfaction is positive and significant influence to the Safety Motivation, The Safety Climate is positive and significant influence to the Safety Behavior, The Work Satisfaction is not influence to the Safety Behavior and The Safety Motivation is positive and significant to the Safety Behavior
Aprillia Elly Kusumastuti
ECONBANK: Journal of Economics and Banking, Volume 1, pp 39-46; https://doi.org/10.35829/econbank.v1i1.5

Abstract:
This study aims to analyze the phenomenon of the emancipation of women's roles, credit and poverty. A total of 100 members of the women's savings and loan group and recipients of economic aid funds were taken as samples with purposive sampling. Multiple linear regression analysis has been used to analyze the data in this study. The results showed that the Productive Economic Business loans have not effect to reduce Poverty, while loans from the Women's Savings and Loans group have effect to reduce Poverty. Incomplete information is the cause of not yet optimal loans. Therefore, the community must continue to do business management training to obtain loans that can be managed properly which will improve the progress of the business being carried out. In addition, it is necessary for women or mothers to need information about women's savings and loans activities intended for those who need business capital not for consumptive activities.
Ari Agestiani, Himawan Arif Sutanto
ECONBANK: Journal of Economics and Banking, Volume 1, pp 26-38; https://doi.org/10.35829/econbank.v1i1.1

Abstract:
This study aims to determine macroeconomic factors such as interest rates, inflation, exchange rates, gross domestic product, and world gold prices in the Jakarta Islamic Index. This study uses time series data for 2015-2017. The data analysis technique used in this study is Multiple Linear Regression. The results of the study show that interest rates and exchange rates have negative effect on the Jakarta Islamic Index. While the world gold price looks positiveeffect towards the Jakarta Islamic Index. Meanwhile, the GDP does not oppose the Jakarta Islamic Index. R2adj value of 0.781 which shows the variation of the Jakarta Islamic Index can explain the factors of interest rates, exchange rates, world gold prices, the exchange rate and GDP of 78.1%. For investors who want to invest their capital in Indonesia, pay more attention to macro economic factors and approve selected instruments based on sharia, the main sharia capital market can make JII as a reference
Efriyani Sumastuti
ECONBANK: Journal of Economics and Banking, Volume 1, pp 15-25; https://doi.org/10.35829/econbank.v1i1.13

Abstract:
The purpose of this study is to map soybean value chain which is directed at institutional development that is synergistic by paying attention to ABGC partnerships (Academic, Business, Government and Community). Determination of the sample is done by purposive sampling quota for respondents targeting input suppliers, soybean farmers, traders (middlemen and traders from village to provincial level), and retailers. For respondents stakeholders (academics, government, business people, and Gapoktan) were selected by proportional purposive sampling. The results showed that the local soybean trading system (from the aspect of distribution and consumption) in the research area through five stages from the first producer farmers to small and medium traders. Then from the two traders it was sold to wholesalers and processing industries. The products processed are distributed to consumers directly or through traders / retailers. Imported soybean trading flow through importers to distributors, then distributed to wholesalers and then distributed to retailers, processing industries and end consumers. The institution of soybean trading seen from the distribution aspect has three functions, namely the exchange function, physical function and function of the facility. The soybean trading system institutional model is formulated in 3 scenarios, namely the soybean trading system institutional model while still being handled by Bulog (Scenario 1); the existing soybean trading system institutional model (scenario 2) and the soybean trading system institutional model proposed by the researcher (scenario 3). In the institutional model of trading system scenario 3, it is broken down based on the work area and divided into 5 regions, namely the central, provincial, district / city, sub-district and village levels
Anne Sandy Tobing, Ngatindriatun Ngatindriatun
ECONBANK: Journal of Economics and Banking, Volume 1, pp 1-14; https://doi.org/10.35829/econbank.v1i1.6

Abstract:
This study aim to analyze service quality and brand equity towards customer loyalty. A total 261 patients of ASIH maternity hospital were taken as samples using the convenience sampling method. Multiple linear regression analysis was used to analyze data in this study. The results showed that service quality and brand equity were have positive and significant effect to the loyalty of Asih maternity hospital customers. Adjusted R2 value is 0.169 which means that 16.9% of customer loyalty in RSB Asih can be explaned by service quality factors and brand equity. Therefore, to increase customer loyalty, take a policy that can improve service quality by providing training for employees in serving patients
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