Jurnal Keuangan dan Bisnis https://journal.ukmc.ac.id/index.php/jkb <p>JKB: Jurnal Keuangan Dan Bisnis <a href="http://issn.lipi.go.id/">e-issn 2580-1236</a> dan <a href="http://issn.pdii.lipi.go.id/issn.cgi?daftar&amp;1180427881&amp;1&amp;&amp;">p-issn 1693-8224</a> diterbitkan oleh STIE Musi Palembang yang sekarang berganti nama menjadi Univeristas Katolik Musi Charitas secara berkala dua kali setahun yaitu bulan Maret dan Oktober. <span style="line-height: 20px;">Tujuan penerbitan adalah untuk menyebarluaskan hasil-hasil penelitian kepada para akademisi dan praktisi yang tertarik pada bidang keuangan dan bisnis. </span><span style="line-height: 20px;">Lingkup isi artikel yang dimuat dalam JKB ini adalah bidang ekonomi, manajemen , Keuangan Bisnis dan akuntansi.</span></p> Universitas Katolik Musi Charitas en-US Jurnal Keuangan dan Bisnis 1693-8224 Membangun Kinerja UMKM Melalui Inovasi Keuangan https://journal.ukmc.ac.id/index.php/jkb/article/view/568 <p><em>The purpose of this study is to explain the effect of financial innovation on the performance of MSMEs in the city of Palembang. This type of research is a quantitative study with an analysis unit of MSMEs in Palembang City, where the number of samples in this study were 100 respondents from a population of 20,648 MSME actors in the culinary sector in Palembang City. Sampling was carried out using the Probability Sampling method, with the Simple Random Sampling Technique. The analysis technique in this research is descriptive statistics and inferential statistics with Structural Equation Modeling (SEM) approach using lisrel software. The results of this study indicate that financial innovation has a significant positive effect on the performance of MSMEs. This means that the stronger the financial innovation carried out by MSME actors, the more they will improve and build a good and effective performance.</em></p> Ruby Thohary Muji Guarto Verawaty Verawaty Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 1 17 10.32524/jkb.v20i2.568 Pengaruh Influencer Kecantikan Dan Citra Merek Terhadap Minat Membeli https://journal.ukmc.ac.id/index.php/jkb/article/view/582 <p style="font-weight: 400;">Penelitian ini bertujuan untuk mengetahui dampak influencer kecantikan pada pemasaran digital terhadap niat beli konsumen. Teknik pengumpulan data pada penelitian ini adalah data primer yang diperoleh dari penyebaran kuesioner. Metode pengambilan sampel menggunakan metode <em>purposive sampling</em>, adapun jumlah sampel terpilih pada penelitian sebanyak 431 responden yang merupakan masyarakat Kota Batam yang menggunakan sosial media dan pernah menonton ulasan influencer kecantikan. Metode analisis yang digunakan adalah metode analisis deskriptif, uji validitas dan reabilitas, uji asumsi klasik, uji regresi linier berganda dan uji hipotesis menggunakan aplikasi SPSS 26. Temuan penelitian berdasarkan hasil uji menunjukkan bahwa &nbsp;variabel kredibilitas, kepercayaan, afektif, keaslian, influencer kecantikan, serta citra merek memiliki pengaruh positif signifikan dengan keputusan niat beli konsumen, serta variabel yang berpengaruh besar pada keputusan niat beli adalah variabel citra merek.</p> Sweet Chen Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 18 32 10.32524/jkb.v20i2.582 Rotasi Dan Mutasi Terhadap Kinerja Karyawan Universitas Flores https://journal.ukmc.ac.id/index.php/jkb/article/view/589 <p><em>The goal of this study was to 1) determine the effect of rotation on the performance of University of Flores employees and 2) determine the effect of mutation on the performance of University of Flores employees. The sample size was 62 people, all of whom were permanent employees of the University of Flores. Questionnaires were distributed to gather data. SmartPLS Software is used to process data. The findings revealed that rotation had a positive (0.477&gt;0) and significant (4.691&gt;1.96) effect on employee performance at the University of Flores, while mutations had a positive (0.254&gt;0) and significant (2.185&gt;1.96) effect. Rotation and mutation influence the performance of University of Flores employees by up to 45 percent, with the remainder influenced by other variables not explained in this study.</em></p> Maria Helena Carolinda Dua Mea Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 33 45 10.32524/jkb.v20i2.589 Analisis Kluster Usaha Dalam Membangun Ekonomi Berbasis Digital Pada UMKM di Kawasan Surabaya Timur https://journal.ukmc.ac.id/index.php/jkb/article/view/570 <p>Penelitian bertujuan untuk menganalisis kluster kesiapan teknologi ekonomi berbasis digital pada usaha kecil, mikro dan menengah (UMKM) di Surabaya Timur. Berdasarkan populasi penelitian sebesar 7158 UMKM di Surabaya Timur ditentukan sampel 174 melalui rumus slovin dengan batas toleransi 10%. Hasil penelitian menunjukkan bahwa secara umum UMKM di Surabaya Timur telah menerapkan penggunaan Aplikasi Digital berbasis sosial media dan e-wallet. Selain penelitian ini menjelaskan terdapat 3 kluster usaha yang terdiri dari 3 kluster antara lain kesiapan teknologi rendah sebanyak 102, menengah 20 Usaha dan tinggi sebanyak 52 usaha. Analisis kesiapan usaha menunjukkan bahwa mayoritas UMKM telah memilki kesiapan dalam penggunaan teknologi namun belum mampu meningkatkan kinerja bisnis secara keseluruhan.</p> Nurkholish Majid Nuruni Ika K.W Zumrotul Fitriyah Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 46 55 10.32524/jkb.v20i2.570 Pengaruh Kualitas Pelayanan Dan Kepuasan Terhadap Loyalitas Pelanggan Wifi Indihome PT. Telekomunikasi Indonesia Wilayah Sumatera Selatan https://journal.ukmc.ac.id/index.php/jkb/article/view/598 <p><em>The purpose of this study to examine the effect of service quality and satisfaction on customer loyalty P.T. IndiHome. The test was conducted on 83 people with non-probability sampling technique, while the sampling used incidental sampling using the Slovin formula. Calculations The analysis technique was performed using normality test, t test, F test, multiple linear regression and determination test. The results of this study indicate the quality of service and satisfaction is good but still need to improve the speed and accuracy in handling customer complaints. Simultaneously service quality and satisfaction have a positive and significant effect on customer loyalty at PT Telekomunikasi Indonesia (WITEL) South Sumatra, where the calculated F value with a significant value . <br /></em></p> <p><em> </em></p> <p><em>Keywords: Service Quality, Satisfaction, Customer Loyalty.</em></p> Rohmial Rohmial Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 56 71 10.32524/jkb.v20i2.598 Pengaruh Kepuasan Terhadap Loyalitas Konsumen Dengan Switching Cost Sebagai Variabel Moderasi https://journal.ukmc.ac.id/index.php/jkb/article/view/690 <p>Consumers will give loyalty because they are satisfied with the service they receive or consumers will switch services because they hope to find better service than what they have received. To switch to another service, a consumer must incur a switching cost. To explore this, a study was conducted at the Panti Rapih Hospital in Yogyakarta. The analytical method used is descriptive verification, so that the research analysis will produce a description of the research variables, the profile of the respondents, and the proof of the hypothesis. The effect of the moderating variable was processed by Moderation Regression Analysis (MRA). This study found that when the switching cost variable is controlled, there is a very strong influence of satisfaction on patient loyalty. When switching costs are included as an intervening variable, there is a change in the strength of the influence of satisfaction on patient loyalty. The lower the level of switching costs experienced by the patient, the weaker the influence of satisfaction on patient loyalty. Therefore, in order to maintain customer loyalty, this element of switching costs should be paid more attention to.</p> <p><em>&nbsp;</em></p> Florentinus Heru Ismadi Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 72 85 10.32524/jkb.v20i2.690 Narsisme CEO dan CSR https://journal.ukmc.ac.id/index.php/jkb/article/view/699 <p><em>This study has the aim of empirically testing whether CEO narcissism has a correlation with CSR activities. Upper Echelon Theory is used to explain CEO narcissism can correlate with CSR activity. Measurement of CEO narcissism focuses on the company's annual report which in this case the development of previous research instruments. The CSR variable in this study was measured using the Sri Kehati index. In this case, companies that enter the Sri Kehati index are companies whose CSR performance is good. The research sample was IDX issuers who entered the LQ45 index in the period 2017 - 2019. Hypothesis testing using the Chi Square correlation test with PSPP applications. The results of hypothesis testing concluded that CEO narcissism correlated with CSR policy</em><em>.</em></p> Yohanes Andri Putranto Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 86 96 10.32524/jkb.v20i2.699 Peran Kompetensi Serta Efikasi Diri Pada Prestasi Kerja Pegawai Tetap Teller Bank di Palembang https://journal.ukmc.ac.id/index.php/jkb/article/view/689 <p><em>The purpose of this study was to determine and examine the effect of the competence variable (X1) and self-efficacy variable (X2) on the performance variable (Y) of bank teller employees in Palembang. The sample of this research respondent is specifically for permanent employees of bank tellers who work in Palembang. The data used are primary data and secondary data. The sampling technique used in this research is the convenience method. The convenience method is that every permanent employee of a bank teller in Palembang has the same opportunity and is willing to fill out or choose an answer from the statement submitted in the questionnaire. Data analysis techniques used include: validity test, reliability test, and classical assumption test. Hypothesis testing using multiple linear regression analysis using SPSS 26 for windows program. The results of the study stated that the competence variable (X1) and self-efficacy variable (X2) had a positive and significant effect on the performance of bank teller employees in Palembang.</em></p> Maria Fransiska Sri Sulistyawati Agatha Septianna Sri Ratnasari Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 97 124 10.32524/jkb.v20i2.689 Pendapatan Daerah di Indonesia Sebelum Dan Selama Pandemi https://journal.ukmc.ac.id/index.php/jkb/article/view/660 <p>Beberapa Negara di Dunia, mengambil kebijakan penanganan penyebaran COVID-19, dengan memberlakukan pembatasan sosial, termasuk Indonesia. Penerapan kebijakan ini ternyata berdampak pada keterpurukan ekonomi, dan penurunan pendapatan pemerintah. Tujuan penelitian ini adalah untuk memberikan bukti empiris dampak pandemi COVID-19 terhadap pendapatan daerah di Indonesia. Penelitian ini merupakan penelitian kuantitatif. Jenis data yang digunakan adalah data kuantitatif, yang diperoleh dari data sekunder dengan menggunakan teknik pengumpulan data dokumentasi. Populasi dan sampel untuk penelitian ini adalah pemerintah kabupaten/kota di Indonesia. Analisis data menggunakan uji beda, <em>paired samples t test</em>. Hasil pengujan menunjukkan ada perbedaan pendapatan daerah antara sebelum pandemi COVID-19 dan selama pandemi COVID-19. Dengan kata lain, penelitian ini menginformasikan bahwa pandemi COVID-19 mempengaruhi pada pendapatan daerah di Indonesia. Temuan ini memperkaya literatur tentang topik pandemi COVID-19 dan pendapatan daerah</p> Syamsul Syamsul Dini Rosyada Dwi Wahyono Copyright (c) 2022 Jurnal Keuangan dan Bisnis 2022-10-21 2022-10-21 20 2 125 134 10.32524/jkb.v20i2.660