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) 2338-4409 Maximizing Automated Teller Machines (ATM) User Loyalty through Trust and Quality Service https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1685 <p>The purpose of this research is to look into the direct and indirect effects of service quality and trust on customer loyalty, as mediated through customer satisfaction. The study is based on a sample of 85 customers who used ATM services at the PT. Bank 9 Jambi, Kerinci Branch. This Study approach is used to calculate sample size, and data is collected utilizing an incidental sampling strategy using a questionnaire. For data analysis, Smart PLS 3.0 software is used to assist path analysis. According to the findings, neither service quality nor trust have a statistically significant influence on customer loyalty, whether directly or indirectly through customer pleasure. Customer pleasure, on the other hand, has a positive and considerable impact on customer loyalty. Furthermore, the study discovers a favorable and significant link between service quality and client trust. These findings provide light on the complex dynamics of service quality, trust, customer satisfaction, and loyalty in the context of ATM usage, providing valuable insights for customer relationship management practitioners and researchers.</p> Elex Sarmigi Achmad Hizazi Sri Rahayu Enggar Diah Puspa Arum Copyright (c) 2023 Elex Sarmigi, Achmad Hizazi, Sri Rahayu, Enggar Diah Puspa Arum https://creativecommons.org/licenses/by/4.0 2023-09-27 2023-09-27 9 2 95 118 10.21070/jbmp.v9i2.1685 Harvesting Success: Strategy Development for Kampoeng Anggrek Agro-Tourism https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1697 <p>The research focuses on Kampoeng Anggrek Agritourism, a growing attraction in Kediri City that is seeing an increase in everyday visits, especially on weekends and holidays. The COVID-19 epidemic prompted a brief shutdown, which resulted in shifts in facility maintenance and employee attention, resulting in some deterioration. This study aims to evaluate Kampoeng Anggrek's present Business Model Canvas (BMC) and make recommendations for future improvements. Probability sample was used with the business model canvas approach, with ten participants from the internal and forty from the external aspects of Agrotourism Kampoeng Anggrek chosen using simple random sample. The research resulted in a comprehensive BMC framework, which provided proprietors with a clear picture of the company as well as the capacity to fine-tune each BMC aspect for operational optimization in agritourism operations. This study provides critical insights for stakeholders navigating the changing landscape of agrotourism firms in the face of dynamic external influences such as the COVID-19 pandemic</p> Askhaarina Aulia Tsalits Illia seldon Magfiroh Copyright (c) 2023 Askhaarina Aulia Tsalits -, Illia seldon Magfiroh https://creativecommons.org/licenses/by/4.0 2023-09-27 2023-09-27 9 2 119 130 10.21070/jbmp.v9i2.1697 Forecasting Employee Potential through Probationary Assessment https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1718 <p>Effective corporate governance necessitates the continual nurturing and cultivation of employee potential for long-term professional success. However, assessing an employee's potential and performance objectively and consistently from the start of their career presents a substantial difficulty in reducing any mismatches with the company's goals and expectations. This study introduces a predictive methodology that uses probationary employee performance to map their potential. The study focuses on Performance (Y-axis) and Potential (X-axis) variables using data from 265 employees at Company X who went through a probationary period. Various machine learning models, including Logistic Regression, Naive Bayes, k-NN, SVM, and Decision Tree, were used to analyze data using Orange Data Mining software. The Logistic Regression model has the highest accuracy, at 90% (0.906). Validity testing, using the Confusion Matrix, allowed individuals to be classified into nine potential groups, in accordance with the 9-Box Matrix Talent Management paradigm. This classification provides HR with a strategic tool for tailoring career development strategies based on expected potential within their respective sectors.</p> Asradiani Novia Imam Yuadi Copyright (c) 2023 Asradiani Novia, Imam Yuadi https://creativecommons.org/licenses/by/4.0 2023-09-27 2023-09-27 9 2 131 149 10.21070/jbmp.v9i2.1718 The Role of Financial Literacy and Grit in Good Financial Behavior https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1731 <p>With Generation Z and millennials becoming the majority of Indonesia's population, tackling their reputation for financial wastefulness becomes critical. Through the promotion of financial literacy, this study intends to provide insights into developing wiser and more sensible financial conduct. Recognizing the inconsistency of past studies on financial literacy and behavior, this study incorporates grit as a moderating component. Data was acquired through surveys distributed around Semarang City and analyzed in Smart PLS utilizing path analysis. Financial literacy was determined by understanding the time worth of money, inflation, and risk diversification, whereas grit was determined by perseverance and constant interest. Credit management, investment, saving, cash flow and consumption, emergency fund management, and retirement fund planning were all evaluated. The findings show that grit has a positive influence on financial behavior, emphasizing the need of perseverance in the face of financial obstacles. Furthermore, financial literacy was discovered to have a favorable impact on grit, emphasizing the symbiotic relationship between knowledge and perseverance in accomplishing financial goals. This study emphasizes the importance of not just improving financial literacy but also cultivating grit among Generation Z and millennials in order to improve financial behavior.</p> Erlina Dewi Endah Amaliyah Bonita Prabasari Lilik Rohmawati Copyright (c) 2023 Erlina Dewi Endah Amaliyah, Bonita Prabasari, Lilik Rohmawati https://creativecommons.org/licenses/by/4.0 2023-09-28 2023-09-28 9 2 150 171 10.21070/jbmp.v9i2.1731 Driving Prosperity: Assessing Empowerment, MSME Performance and Welfare https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1780 <p>Micro, small, and medium-sized companies (MSMEs) play a critical role in improving societal well-being. However, empowering programs are critical to the success of MSME practitioners. Despite considerable initiatives in Banda Aceh to empower MSMEs, the direct impact on practitioner welfare remains unknown. The purpose of this quantitative study is to investigate the impact of empowerment effectiveness and MSME performance on practitioner wellbeing in Banda Aceh. The study includes 9691 MSMEs, based on data from the MSME Office of Cooperatives and MSME Aceh, and using random sample methodologies. A Likert scale was used for measurement. The data show that, while empowerment has a moderate impact on MSME welfare, MSME performance has a strong and meaningful influence. Furthermore, empowerment effectiveness and MSME success, when combined, contribute significantly to the welfare of MSME practitioners in Banda Aceh, accounting for 31.014% of the variance. This study emphasizes the necessity of not only empowering MSMEs but also improving their performance in order to significantly boost practitioner welfare</p> Nasrul Hadi Mimiasri Aida Fitri Aiyub Saputra Copyright (c) 2023 Nasrul Hadi, Mimiasri, Aida Fitri, Aiyub Saputra https://creativecommons.org/licenses/by/4.0 2023-09-28 2023-09-28 9 2 172 189 10.21070/jbmp.v9i2.1780 Unraveling the Link between Financial Literacy and Financial Capability among Java's Students https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1699 <p>This study aims to investigate the relationship between various dimensions of financial literacy, including financial behavior, attitude, knowledge, and capability, among university students in Java. The research encompassed the entire population of university students on Java island in 2022, totaling 3.5 million, with a final sample size of 173 respondents selected using the Slovin formula. Data collection was conducted through a questionnaire survey, and multiple regression analysis was employed to assess the direct influence of financial literacy on financial capability using SPSS software version 25. The findings revealed a significant positive impact of financial behavior and attitude on the financial capability of college students. These results offer valuable insights for policymakers, highlighting the importance of comprehensive strategies in enhancing financial capability, particularly among university students, for improved financial well-being and preparedness.</p> Rema Rismaya Fitria Dewi Pudji Rahayu Mila Septiana Jundi Arrasid Copyright (c) 2023 Rema Rismaya Fitria, Dewi Pudji Rahayu, Mila Septiana, Jundi Arrasid https://creativecommons.org/licenses/by/4.0 2023-09-29 2023-09-29 9 2 190 209 10.21070/jbmp.v9i2.1699 Strategic Formulations and Financial Distress: Insights from Sales Growth and Profitability Ratios https://jbmp.umsida.ac.id/index.php/jbmp/article/view/1814 <p>This research looks into the complex relationship between sales growth, profitability ratios, and financial difficulty in businesses. It aims to provide practical recommendations to firm management for using sales growth and profitability data to identify and avoid financial crisis. Using a quantitative method, secondary data obtained from publicly traded companies' financial statements over a specific time period forms the basis of research. Multiple linear regression models are used to examine the relationship between sales growth and profitability ratios (the independent variables) and financial distress (the dependent variable). Statistical tests, such as ANOVA and t-tests, are used to assess the model's significance and regression coefficients. The findings show a significant relationship between sales growth, profitability ratios, and financial difficulty. Higher sales growth, in particular, is associated with an increased likelihood of financial trouble, as evidenced by the positive coefficient. Similarly, an increase in profitability ratios is linked to a higher probability of financial difficulty. This emphasizes the importance of sales growth and profitability ratios as signs of financial crisis. It is recommended that firm management closely monitor these indicators and include them into the company's financial risk management strategy in order to anticipate or mitigate possible financial difficulties. This study provides diverse stakeholders with critical insights and tools for efficiently understanding, identifying, and managing financial risks. &nbsp;</p> Detak Prapanca Herlinda Maya Kumalasari Copyright (c) 2023 Detak Prapanca, Herlinda Maya Kumalasari https://creativecommons.org/licenses/by/4.0 2023-09-29 2023-09-29 9 2 210 225 10.21070/jbmp.v9i2.1814