Penerapan Metode Servqual Dalam Mengukur Kualitas Layanan Website Perpustakaan Universitas Hayam Wuruk Perbanas Surabaya

This study aims to analyze the service quality level of the library website at Universitas Hayam Wuruk Perbanas Surabaya using the Servqual (Service Quality) method, which consists of five dimensions: Tangibles, Reliability, Responsiveness, Assurance, and Empathy. The Servqual approach is applied to identify the gap between users’ expectations and their perceptions of the services provided. This research employs a quantitative approach, with data collected through questionnaires distributed to students who use the library website. The data were analyzed using validity and reliability tests, as well as multiple linear regression analysis, to examine the influence of each Servqual dimension on user satisfaction. The results of this study are expected to provide an overview of the most influential service quality dimensions affecting user satisfaction and serve as an evaluation reference for improving digital library services. Theoretically, this research reinforces the relevance of applying the Servqual model in evaluating web-based services in higher education institutions, while practically, it offers recommendations for developing more responsive and user-oriented library services. Keywords : Servqual, Library Website, Service Quality, User Satisfaction, Universitas Hayam Wuruk Perbanas

Pengaruh Perilaku Ko-Kreasi, Kualitas Layanan, dan Implementasi QFD Terhadap Kepuasan Penghuni Apartemen Dian Regency Surabaya

This study aims to examine the influence of co-creation behavior, service quality, and the implementation of Quality Function Deployment (QFD) on resident satisfaction at Dian Regency Apartment Surabaya. The research employed a quantitative approach with an explanatory design. Data were collected through questionnaires distributed to 175 residents and analyzed using Partial Least Squares (PLS). The findings reveal that co�creation behavior has a positive effect on service quality and the implementation of QFD. Furthermore, both service quality and QFD implementation significantly affect resident satisfaction. These results highlight that active resident involvement in co-creation enhances service quality and strengthens the effectiveness of QFD implementation, ultimately leading to higher satisfaction among apartment residents. The study contributes theoretically by integrating co-creation theory, SERVQUAL, and QFD in the context of vertical housing, while also providing practical implications for apartment management in developing resident-based service improvement strategies. Keywords: Co-Creation, Service Quality, QFD, Resident Satisfaction, Apartmen

Pengaruh Credit Risk Dan Liquidity Risk Terhadap Profitabilitas Dengan Efficiency Sebagai Variabel Intervening Pada Busn Devisa

This study aims to analyze the effect of credit risk and liquidity risk on profitability, with efficiency as an intervening variable. This study uses descriptive analysis methods, multiple linear regression analysis, path analysis, and the Sobel test. The population used is BUSN Foreign Exchange and the sample used in this study is all BUSN Foreign Exchange for the 2019-2023 period. The analysis results show that NPL has a significant negative effect on Efficiency. ALR has a positive but insignificant effect on Efficiency. NPL has a significant negative effect on ROA. ALR has a positive but insignificant effect on ROA. Efficiency has a significant positive effect on ROA. NPL has a significant effect on ROA, with Efficiency as an intervening variable. ALR has a significant effect on ROA, and ALR has a significant effect on ROA, with Efficiency as an intervening variable. This study emphasizes the need for banks to strengthen their credit risk management systems while simultaneously improving cost efficiency through digitalization, controlling overhead costs, and improving human resource productivity

Pengaruh Likuiditas, Profitabilitas, dan Leverage Terhadap Ketepatan Waktu Penyampaian Laporan Keuangan Perusahaan Bidang Industri Di BEI

The timeliness of financial statement submission reflects corporate compliance in delivering relevant financial information according to regulatory deadlines. This study aims to examine the effect of liquidity, profitability, and leverage on the timeliness of financial reporting in industrial sector companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2024 period. The sample consists of 71 companies with 284 observations over four years. This research employs a quantitative approach using secondary data derived from annual financial reports accessed through the IDX official website. Data analysis was conducted using binary logistic regression with the assistance of IBM SPSS Statistics software. The findings reveal that liquidity and profitability have a significant positive effect on the timeliness of financial statement submission, indicating that companies with higher liquidity levels and profits tend to report more promptly. In contrast, leverage shows a significant negative effect, suggesting that higher debt levels are associated with reporting delays. These results highlight the importance of effective management of current assets and capital structure to enhance corporate credibility and maintain investor confidence in the capital market. Keywords : Timeliness, Liquidity, Profitability, Leverage, Industrial Sector, ID

Pengaruh Leader Member Exchange Dan Work Engagement Terhadap Adaptive Performance Dimediasi Innovative Work Behavior Pada Karyawan Generasi Z Di Jawa Timur

Research on the adaptive performance of Generation Z employees is important, considering that this generation is increasingly dominating the workforce, particularly in East Java Province, which is characterized by dynamic organizational and industrial environments. This study aims to examine and analyze the effect of Leader Member Exchange and Work Engagement on Adaptive Performance, with Innovative Work Behavior as a mediating variable among Generation Z employees in East Java. This research employs a quantitative approach using purposive sampling, involving Generation Z employees aged 18–28 years who work in various sectors in East Java and have a minimum tenure of six months. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach. The results indicate that Leader Member Exchange and Work Engagement are positively associated with Innovative Work Behavior. Furthermore, Innovative Work Behavior plays a mediating role in the relationship between Leader–Member Exchange and Work Engagement on Adaptive Performance. These findings suggest that high-quality work relationships and strong work engagement have the potential to encourage innovative behavior, which in turn supports the adaptive performance of Generation Z employees in responding to changes in the work environment. The managerial implications of this study are expected to serve as a reference for organizations in managing work relationships and enhancing employee engagement to support sustainable adaptive performance. Keywords: Leader Member Exchange, Work Engagement, Innovative Work Behavior, Adaptive Performance, Generation

Pengaruh Teman Sebaya, Media Sosial, Pengetahuan Keuangan Terhadap Perilaku Keuangan Mahasiswa Generasi Z Di Surabaya

This study aims to analyze the influence of peers, social media, and financiaknowledge on the financial behavior of Generation Z students in Surabaya, and to examine the differences in financial behavior between business and non-business students. This study uses a quantitative approach with an explanatory method. Data were obtained through online questionnaires, followed by data analysis using Structural Equation Modeling-Partial Least Square (SEM-PLS) with the help of WarpPLS 7.0 software, and conducting a difference test using the Independent Sample t-test with the help of SPSS software. The results of the study indicate that peers have a positive effect on social media use, peers do not have a positive effect on financial knowledge, social media use does not have a positive effect on financial knowledge, and social media use has a positive effect on financial behavior. In addition, the results of the difference test indicate that there are differences in financial behavior between business and non-business students in Surabaya. The criteria for respondents are undergraduate and postgraduate students in Surabaya, students born in 1997-2012, and active users of social media

Pengaruh Non Performing Financing (NPF) dan Pembiayaan Syariah terhadap Profitabilitas Bank Syariah

This study aims to analyze the effect of Total Financing and Non-Performing Financing (NPF) on Profitability as proxied by Return on Assets (ROA) in Islamic Commercial Banks in Indonesia. The data used in this study are secondary data obtained from annual financial reports of 9 Islamic banks during the period 2018–2023, with a total of 54 observations. The analysis method employed is multiple linear regression using SPSS software. The results show that partially, Total Financing has a positive and significant effect on ROA, while NPF has a negative but not significant effect on ROA. Simultaneously, Total Financing and NPF have a significant effect on ROA. The coefficient of determination (R²) is 0.251, indicating that 25.1% of the variation in ROA can be explained by the independent variables, while the remaining 74.9% is influenced by other factors outside the model. This study concludes that optimizing financing distribution plays an important role in improving the profitability of Islamic banks, while risk management of financing remains necessary even though it is not statistically significant in this study. Keywords: Total Financing, Non-Performing Financing (NPF), Return on Assets (ROA), Islamic Bank

Pengaruh Profitabilitas, Likuiditas, dan Permodalan terhadap Kebijakan Dividen dengan Moderasi Ukuran Perusahaan pada Bank Pembangunan Daerah di Indonesia

Dividend policy is an important corporate decision in determining the proportion of profits distributed to shareholders and reflects a company’s financial condition and performance. This study aims to analyze the effect of profitability, liquidity, and capital adequacy on dividend policy, with firm size as a moderating variable, in Regional Development Banks (BPD) in Indonesia during the 2020–2024 period. The research problem focuses on differences in dividend policies among BPDs and the financial factors influencing them. This study uses secondary data in the form of annual financial statements obtained from the official website of the Financial Services Authority (OJK). The sampling method employed was purposive sampling, resulting in a sample of 24 BPDs with a total of 120 observations. Data analysis techniques include descriptive statistical analysis, multiple linear regression, and Moderated Regression Analysis (MRA). The results indicate that profitability has a positive and significant effect on dividend policy, liquidity has a positive but insignificant effect, and capital adequacy has a negative and significant effect on dividend policy. Firm size is unable to moderate the effect of profitability and liquidity on dividend policy. The findings may serve as a consideration for BPD management in making dividend distribution decisions

Pengaruh Meaningful Of Work Terhadap Task Performance dengan Mediasi Affective Commitment, Employee Engagement dan Quiet Quitting pada Karyawan Generasi Z di Surabaya

This study aims to analyze the effect of Meaningful of Work on Task Performance with the mediating roles of Affective Commitment, Employee Engagement, and Quiet Quitting among Generation Z employees in Surabaya. This research employs a quantitative approach using a survey method by distributing questionnaires to respondents who are Generation Z employees. The data analysis technique used is Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results indicate that Meaningful of Work has a significant effect on Task Performance, as well as a positive effect on Affective Commitment and Employee Engagement, and a negative effect on Quiet Quitting. Furthermore, Affective Commitment and Employee Engagement are proven to mediate the relationship between Meaningful of Work and Task Performance, while Quiet Quitting acts as a mediating variable that weakens the relationship. These findings highlight the importance of creating meaningful work to enhance employee performance through strengthening emotional attachment and work engagement, while minimizing disengagement behavior among Generation Z employee

Pengaruh Social Demographics, Financial Technology, dan Lifestyle terhadap Perilaku Konsumtif Generasi Z dalam Era Cashless Society dengan Self-Control sebagai Variabel Mediasi

This study aims to examine the influence of social demographics, financial technology, and lifestyle on Generation Z’s consumer behavior in the cashless society era, with self-control as a mediating variable. This research employs a quantitative approach using a survey method by distributing questionnaires to 432 respondents belonging to Generation Z. The data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) technique with the assistance of WarpPLS software. The results indicate that social demographic variables, including age, gender, and education level, do not have a significant effect on consumer behavior. Similarly, financial technology does not significantly influence consumer behavior. In contrast, lifestyle is found to have a positive and significant effect on consumer behavior. Furthermore, self-control is not able to mediate the relationship between financial technology and consumer behavior, as well as between lifestyle and consumer behavior. Although financial technology and lifestyle significantly influence self-control, self-control itself does not significantly affect consumer behavior, indicating that the mediating role is not supported. In conclusion, lifestyle is the only variable that directly influences Generation Z’s consumer behavior in the cashless society era, while social demographics and financial technology do not show significant effects. Additionally, self-control does not function as a mediating variable in this study