.:: Program Studi Manajemen ::.

The purpose of this study is to examine the effect of servqual dimensions (physical evidence, people, and process) on relational quality dimensions (satisfaction, trust, and commitment) and their role to stimulate intention to repurchase and loyalty. The population includes everyone holding banking relational facilities shown by the ownership of debit/ATM and credit cards in Purwokerto. There were 142 respondents purposively selected for the study. Data analysis using Structural Equation Modeling produce the following results : 1) servqual dimensions influence satisfaction, but does not influence trust, 2) satisfaction influences trust and commitment, but has no effect on loyalty, and 3) commitment influences the intention to repurchase, which determines customer loyalty.

Key Words: servqual, relational quality, satisfaction, trust, commitment, loyalty.

Brand extension is the most popular strategy to introduce a new product. The application of brand extension concept continues to keep growing since the last decade. The reason to use this concept in the launch of new product is that expecting a renowned product can support the sale. The consumer is hoped not to dumbfound anymore with the new offered product. So that it can give a positive influence towards the brand characteristic in the category of new product. However, the positive effects only happen when old and new product possesses the same perception. To measure the perception, we attempt to study component of brand extensions’ influence upon component of brand equity simultaneously are set up as a structural equation modeling and are estimated using LISREL. This research is descriptive and verificative, research method applied is explanatory survey by using a stratified random sampling on students in Jabotabek Area. Sample size for this research is 163 customers as respondent and 6 companies using brand extension in their shampoo’s products. From the results obtained in the estimation of the proposed model, the effects of brand reputation and category similarity are more important for successful brand extension. Surprisingly when consumers evaluate a new product, perceived risk and consumer inno-vativeness are not particularly relevant.

A model is presented that suggests that brand extension can have a positive impact if brand reputation and category similarity are stimulated by brand loyalty, brand awareness and perceived quality.

Key Words: brand extension, brand equity, similarity, reputation, perceived risk, innovativeness

In this global phenomenon, advanced informational technology becomes more essential for media product which is launched into a competitive market. Nova tabloid is a media product which is segmented for women, particularly house-wives. It needs to measure some factors that might be taken into account by customers to have brand loyalty toward Nova tabloid. It is assumed that a loyal customer will not easy to switch their brand preference to another product, ignoring the price and other attributes. This research found that the brand loyalty levels of Nova Tabloid’s readers are ranked from the highest to the lowest as switcher, habitual buyers, satisfied buyers, liking the brand, and committed buyers. Moreover, the factors which encourage Nova Tabloid’s readers to be loyal are the variety of contents and the informative articles, especially the celebrities’ news and “sedap sekejap”.

Key Words: Brand loyalty, switcher, habitual buyers, satisfied buyers, liking the brand, committed buyers.

People have been recognized broadly as the most strategic resource of an organization. The companies that have better working environment will be more able to retain their potential employees and to eliminate the barriers of work productivity for creating sustainable competitive advantages. The working environment that promotes QWL (Quality of Work Life) can help employees to balance their work life and families. This research was aimed to show up the orientation and interaction among organizational values and leadership in creating a supporting working environment for Credit Officers at state-owned banks in Jakarta. This applied explanatory research used the hypothetico-deductive method and path analysis. Two hundred and forty-nine respondents participated in this study.

Key Words: leadership, organizational values, working environment

The real situation in this world nowadays indirectly influences the policy makers in economic world who seriously feel doubt about “universality”, productivity, and even morality on such a basic assumption and basic paradigm concept. Many theories about economics do not succeed in solving the reality and condition so the paradigm of economics theory needs formula and methodology to find new paradigm. In theory and economics paradigm as ethics and justice,and in a framework in a society that is still so far from the expectation, Islam economics paradigm recently is able to solve those challenges. It is also more interesting to be studied.

Key Words: business law principles, syariah financial institution, syariah economical dispute solving.

Bond is an obligation letter which has time to maturity more than one year and has a certain interest. Bond is issued by a company to collect fund from public to finance the company or by government to fulfill the expenditure. Each bond which is issued by a company, has a rank. To determine the ability of issuer to pay the obligation, the investors hold on the rank which is issued by the rating agency. To identify whether Debt to Equity Ratio (Leverage Ratio), Current Ratio (Liquidity Ratio), Return on Asset (Profitability Ratio), and Sistematic Risk (Beta) either as an individual variable or as a group influence the rank which is issued by the rating agency are needed to be analyzed. If they are as a guarantee that the company can pay the obligation is also needed to be analyzed too. In this research, the writer uses description method. The testing on the research hypothesis shows that Return on Asset (Profitability Ratio) gives a significant influence to the rank. But Debt to Equity Ratio (Leverage Ratio), Current Ratio (Liquidity Ratio), and Sistematic Risk (Beta) do not give a significant influence to the rank. The research concludes that in non finance industry, bond rating which is issued by rating agency on 31st December 2004 based on company’s financial report 31st December 2003 was influenced by Retun on Asset (Profitablity Ratio).

Key Words: Bond Rating, Debt to Equity Ratio, Current Ratio, Return on Asset, and Sistematic Risk.