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SEGMENTASI LAYANAN INTERNET BANKING Sihotang, Ellen Theresia
JURNAL MANAJEMEN DAN KEWIRAUSAHAAN Vol 4, No 2 (2016)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v4i2.644

Abstract

The purpose of this study is to analyze internet banking’s users based on their experiences. It can be used to set marketing program of internet banking that appropriate with customers needs, in order to anticipate tight competition. This research methods starts with focus group discussion and clustering analysis to classify 312 respondents of internet banking users based on demographic, benefit and behavioral segmentation. The sampling method uses purposive sampling and snowball sampling. K-Means Clustering method’s produces four optimal clusters. The benefit orientation of the first cluster in on time saving. Second cluster, concern on the ease of getting and operating internet banking so this cluster does not need auxiliary features such as video guide to use internet banking. The third cluster’s orientation is on the modern lifestyle and the ease of getting and operating internet banking service with detailed daily mutation transaction The fourth cluster, concerns on the detailed daily mutation transaction but they are not sure with the security of personal data via internet banking.  
Motivasi Penggunaan Layanan Internet Banking dan Hubungannya dengan Perbedaan Gender Sihotang, Ellen Theresia; Sekarsari, Larasati Ayu
JURNAL MANAJEMEN DAN KEWIRAUSAHAAN Vol 6, No 2 (2018)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v6i2.2331

Abstract

This study aims to describe and analyze the motivations of using internet banking with gender as the moderation to representation the consumer behavior which can provide design of marketing strategies based on customers’ desires and needs. The sampling techniques are a purposive and a snowball sampling with 250 respondents in Surabaya. The result shows that perceived of usefulness, perceived ease of use, perceived of security and bank initiatives are motivations that encourage using the internet banking service. However, gender as the moderation does not influence to all these factors in using internet banking services.  https://doi.org/10.26905/jmdk.v6i2.2331
PENGUATAN PRODUK TAS TANGGULANGIN SIDOARJO Ronny, Ronny; Sihotang, Ellen Theresia; Sekarsari, Larasati Ayu
JPM Pambudi Vol 2 No 1 (2018): JPM PAMBUDI
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat (P2M) IKIP Budi Utomo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (182.42 KB) | DOI: 10.33503/pambudi.v2i1.264

Abstract

The purpose of this public service program is to empower the Kartika Utama SMEs and Schonheit Goods SMEs as SMEs that partner with each other in marketing bag products. Kartika Utama SMEs as an SMEs that produces bags, while Schonheit Goods SMEs as an SMEs that markets bag products from Kartika Utama SMEs. The problems faced by these two SMEs are related to file archiving, product packaging, and production that still need to be improved, as well as opportunities, to utilize the internet in the framework of better marketing. The method of implementing this public service program is training, mentoring SMEs, and creating websites to market bag products produced. The results of dedication to strengthening SMEs in two fields, namely production and marketing with emphasis on online marketing.
Risiko Usaha Terhadap Rasio Kecukupan Modal Bank Umum Swasta Nasional Devisa Go Public Al Humam, Ahmad Yusril; Sihotang, Ellen Theresia
Journal of Business & Banking Vol 8, No 2 (2018): November 2018 - April 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i2.1639

Abstract

Rasio kecukupan modal (Capital Adequacy Ratio/CAR) merupakan salah satu indikator yang diguankan untuk mengukur kecukupan modal bank. Kepatuhan terhadap kecukupan modal bank menjadi penting sebagai dasar pengelolaan bisnis perbankan. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh risiko likuiditas, kredit, pasar dan operasional terhadap rasio kecukupan modal dan rasio usaha yang paling berpengaruh terhadap kecukupan modal.  Penelitian ini menggunakan variabel Loan to Debt Ratio (LDR), Investing Policy Ratio (IPR), Non Performing Loan (NPL), Aset Produktif Bermasalah (APB), Interest Risk Ratio (IRR), Posisi Devisa Netto (PDN), Beban Operasional Pendapatan Operasional (BOPO), dan Fee Based Income Ratio (FBIR). Penelitian ini menggunakan data sekunder laporan keuangan publikasi Bank Umum Swasta Nasional Devisa Go Public periode 2013 sampai dengan triwulan II, 2018. Teknik pengambilan sampel menggunakan purposive sampling. Sampel penelitian ini adalah PT Bank Victoria International, Tbk; PT Bank Sinarmas, Tbk; PT Bank Bukopin, Tbk; dan PT bank Mayapada International Tbk. Pengolahan data menggunakan SPSS 23, dengan uji-F dan uji-t. Hasil dari penelitian ini mengungkapkan bahwa LDR, IPR, NPL, APB, IRR, PDN, BOPO dan FBIR secara simultan berpengaruh signifikan terhadap rasio kecukupan modal, namun yang berpengaruh parsial adalah LDR, APB dan IRR. Variabel yang paling berpengaruh   signifikan terhadap CAR adalah IRR.
PENGUATAN PRODUK TAS TANGGULANGIN SIDOARJO Ronny, Ronny; Sihotang, Ellen Theresia; Sekarsari, Larasati Ayu
JPM Pambudi Vol 2 No 1 (2018): JPM PAMBUDI
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat (P2M) IKIP Budi Utomo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (182.42 KB) | DOI: 10.33503/pambudi.v2i1.264

Abstract

The purpose of this public service program is to empower the Kartika Utama SMEs and Schonheit Goods SMEs as SMEs that partner with each other in marketing bag products. Kartika Utama SMEs as an SMEs that produces bags, while Schonheit Goods SMEs as an SMEs that markets bag products from Kartika Utama SMEs. The problems faced by these two SMEs are related to file archiving, product packaging, and production that still need to be improved, as well as opportunities, to utilize the internet in the framework of better marketing. The method of implementing this public service program is training, mentoring SMEs, and creating websites to market bag products produced. The results of dedication to strengthening SMEs in two fields, namely production and marketing with emphasis on online marketing.