JBMP (Jurnal Bisnis, Manajemen dan Perbankan) https://jbmp.umsida.ac.id/index.php/jbmp <p>This journal&nbsp;<strong>Focus</strong> to facilitate scholar, researchers, and Lecturer for publishing the original research articles or review articles in management Science. Articles to be published on&nbsp;<strong>JBMP</strong>&nbsp;<strong>(Jurnal Bisnis, Manajemen dan Perbankan)</strong>&nbsp;should follow the&nbsp;<strong>focus and scope</strong> of this journal. The article must have been edited according to the journal author guidelines before submitting. JBMP publishes research articles in the field of “Management Science” with the following <strong>scope : </strong>Marketing Management; Finance Management; Human Resources Management.</p> <p>If you have trouble submitting the manuscript. Feel Free to contact&nbsp;<a href="mailto:jbmp@umsida.ac.id">jbmp@umsida.ac.id</a></p> Universitas Muhammadiyah Sidoarjo en-US JBMP (Jurnal Bisnis, Manajemen dan Perbankan) 2528-4649 Bank Competition, Credit Risk, and Foreign Bank Penetration: Empirical Evidence from Indonesia https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1620 <p>This study examines the relationship between bank competition and credit risk with foreign bank penetration as a moderating variable. The research sample used was 79 commercial banks listed in the Indonesian Banking Directory published by the Financial Services Authority (OJK) during the 2014-2019 period with a total of 474 observations. The results of this study indicate that the higher the bank's competition, the higher the bank's credit risk, which is in accordance with the competition-fragility theory. Furthermore, from the results of the Moderated Regression Analysis, the results show that foreign bank penetration has not been able to moderate the relationship between bank competition and bank credit risk, however, if it stands as an independent variable on its own, foreign bank penetration will reduce bank credit risk. The results of this study contribute to providing useful information for parties in the banking industry that increasing foreign bank penetration can reduce bank credit risk.</p> Olivia Nuralyza Niluh Putu Dian Rosalina Handayani Narsa Dewi Sriani Copyright (c) 2022 Olivia Nuralyza, Niluh Putu Dian Rosalina Handayani Narsa, Dewi Sriani https://creativecommons.org/licenses/by/4.0 2022-04-30 2022-04-30 8 1 7 24 10.21070/jbmp.v8i1.1620 The Impact of Hedonic, Utilitarian Value, and Perceived Quality Toward Costumer Loyalty in Cosmetic Industry https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1624 <p>This study examined hedonic value, utilitarian value, perceived quality and customer satisfaction and their impact on consumer loyalty. Data collected used questionnaires with Likert scale 1-5 to measure respondents' responses. The sampling method used in this research was &nbsp;purposive sampling. &nbsp;Data collection was carried out on people who live in Surakarta Residency by distributing questionnaires online using Google Form. Data collection was carried out on February 15, 2021 to February 28, 2021 with a total &nbsp;157 respondents. The findings of this study confirm that hedonic value has no effect on customer satisfaction and customer loyalty. Utilitarian values ​​have an influence on customer satisfaction and customer loyalty. Meanwhile, perceived quality has a direct influence on customer satisfaction and has no effect on consumer loyalty.</p> Kussudyarsana Kussudyarsana Naisha Rahma Indraswari Copyright (c) 2022 Kussudyarsana Kussudyarsana, Naisha Indraswari https://creativecommons.org/licenses/by/4.0 2022-04-30 2022-04-30 8 1 25 39 10.21070/jbmp.v8i1.1624 Accountability of Village Fund Allocation Management in Landungsari Village, DAU District, Malang Regency https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1618 <p>This research aims to determine the accountability of Village Fund Allocation Management which includes: planning, implementation, supervision, and accountability. In this study the method used is a qualitative descriptive. The techniques used are observations of objects that are being traced and through interviews. The results in this study indicated that in the accountability of the management of village funds allocation in Landungsari village, it can be said to be transparent and accountable. The community plays an active role by participating in following development planning deliberations, as well as monitoring the use of village funds allocation in Landungsari directly supervised by a team of the Regional Government Agency.</p> <p>&nbsp;</p> Rizki Aprilia Dwi Susanti Asih Widi Lestari Copyright (c) 2022 Rizki Aprilia Dwi Susanti, Asih Widi Lestari https://creativecommons.org/licenses/by/4.0 2022-04-30 2022-04-30 8 1 40 50 10.21070/jbmp.v8i1.1618 The Influence of Product Quality and Service Quality on Online Through Digital Marketing as Intervening Variables During the COVID-19 Pandemic https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1626 <p>This study aims to identify and answer some of the problems that exist in the Marketplace related to Product Quality, Service Quality and Purchase Decisions through Digital Marketing. Based on the questionnaire that will be answered by the respondent, the researcher can find out the results that will be obtained and describe how the respondent spends. This research method uses quantitative, in order to facilitate research in generating the existing variables in accordance with using questionnaires distributed by researchers to respondents at PGRI Ronggolawe University, Sunan Bonang University, STIE Muhammadiyah Tuban and IIK Nahdlatul Ulama Tuban. The sampling technique in this study is probability sampling. The method used is simple random sampling. The results of this study indicate that, Product Quality has positive results and effects and has a direct significant result on the Purchase Decision variable. Service Quality has positive and significant results and influence on the Purchasing Decision variable. Product quality has positive and not significant direct results and influence on the purchasing decision variable through digital marketing as the intervening variable. and Service Quality has positive and not significant results and direct influence on the variable of Purchase Decision through Digital Marketing as the intervening variable.</p> Saiful Ukamah Sigit Hermawan Supardi Supardi Hadiah Fitriyah Copyright (c) 2022 Saiful Saiful https://creativecommons.org/licenses/by/4.0 2022-04-30 2022-04-30 8 1 51 72 10.21070/jbmp.v8i1.1626 The Influence of Brand Awareness, Brand Association, Brand Image, and Word of Mouth on Samsung Smartphone Purchase Decisions https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1610 <p>The purpose of this research was to determine the effect of brand awareness, brand<br>association, brand image, and word of mouth on purchase decisions. The populations in this<br>research are Banyumas citizen. The sample selection in this study was carried out by<br>purposive sampling. The samples used in this research are 100 samples. The data analysis<br>techniques used in this research are descriptive statistics analysis, instrument test, classical<br>assumpsion test, multiple regression analysis, goodness of fit test, and hypothesis testing. The<br>analysis result show that brand awareness, brand association, dan brand image has no a<br>positive effect on purchase decisions meanwhile financial experience has effect on purchase<br>decisions.</p> Arienda Gitty Ramadani Erny Rachmawati Copyright (c) 2022 Arienda Gitty Ramadani, Erny Rachmawati https://creativecommons.org/licenses/by/4.0 2022-04-30 2022-04-30 8 1 73 86 10.21070/jbmp.v8i1.1610 Determinants in Fraud Detecting (Empirical Study at Audit Agency of the Republic of Indonesia and the Financial and Development Supervisory Agency Lampung) https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1533 <p>This study aims to test factors that influence the auditor's ability to detect fraud (empirical study on BPK representative of Lampung and BPKP representative of Lampung). This research is a quantitative study using primary data and obtained through a questionnaire. The subjects in this study were auditors working at the BPK representative of Lampung and BPKP representative of Lampung. In this study the sample amounted to 100 respondents with a purposive sampling method, that is to use all populations that have criteria for auditors who work more than one year.The results of the study state that red flags and independence have a positive effect on the auditor's ability to detect fraud. Meanwhile competence, professional skepticism, and fraud schemes do not affect the auditor's ability to detect fraud.</p> Sigit Arie Wibowo Putri Puspa Dewi Copyright (c) 2022 Sigit Arie Wibowo, Putri Puspa Dewi https://creativecommons.org/licenses/by/4.0 2022-04-30 2022-04-30 8 1 87 99 10.21070/jbmp.v8i1.1533