ANALISIS PENGARUH PERCEIVED RISK, SOCIAL NORMS, USEFULNESS, DAN TRUST TERHADAP ADOPSI MOBILE BANKING DAN INTERNET BANKING

2019 ◽  
Vol 1 (1) ◽  
pp. 1-27
Author(s):  
Irni Audini ◽  
Idrianita Anis
Keyword(s):  
Social Norms ◽  
Perceived Risk ◽  
Sampling Technique ◽  
Internet Banking ◽  
Negative Influence ◽  
Positive Influence ◽  
Mobile Banking ◽  
Control Variables ◽  
Independent Variables ◽  
Education Profession

The purpose of this study was to determine the influence of perceived risk, social norms, usefulness and trust towards the adoption of mobile banking and internet banking in Indonesia. Independent variables in this study were perceived risk, social norms, usefulness and trust. Dependent variables used were the adoption of mobile banking and internet banking. The control variables of this study were gender, age, education, profession and understanding of technology.The research used questionnaire for data collection. The respondents were active users of mobile banking services banking and internet banking. The sampling technique used was purposive sampling. This study uses regression analysis. The analytical tool used to test the hypothesis is SPSS 20.These results indicate that not all independent variables showed significant effects on the dependent variable. Perceived risk has a negative influence on the adoption of mobile banking and internet banking. Social norms and trust have a positive influence on the adoption of mobile banking and internet banking. Usefulness has no influence on the adoption of mobile banking and internet banking. The control variables of age proved to be a positive influence on the adoption of mobile banking and internet banking. However, other variables, namely gender, education, profession and understanding of the technology do not affect the adoption of mobile banking and internet banking.

scholarly journals Dimensions of perceived risk of mobile banking apps: An empirical investigation of South African retail banking customers.

10.29007/v4j1 ◽  
2019 ◽  
Author(s):  
Philile Thusi ◽  
Daniel K. Maduku
Keyword(s):  
South African ◽  
Perceived Risk ◽  
Strong Relationship ◽  
Negative Influence ◽  
Positive Influence ◽  
Mobile Commerce ◽  
Retail Banking ◽  
Mobile Banking ◽  
Customer Trust ◽  
Retail Banks

Banking transactions carried out in the uncertain conditions of mobile commerce involve highlevels of perceived risk and require substantial levels of trust. Therefore, gaining customer trust and reducing the influence of risk is imperative to developing and nurturing long-lasting and strong relationship between customers and retail banks. However, limited research is currently investigating the effects of overall perceived risk and trust on retail banking customers use of mobile commerce, particularly from the perspective of emerging African economies. This study investigates the effects of perceived risk and institution-based trust on the use of mobile banking apps among South African retail bank customers. The model was tested using responses obtained from 352 users of the mobile banking services of the five major retail banks (ABSA, Capitec, FNB, Nedbank, and Standard Bank) in South Africa. The findings of this study suggest that institution- based trust has a significant positive influence on use behaviour of mobile banking apps. Furthermore, perceived risk has a significant negative influence on use behaviour; and, lastly, institution-based trust is found to have a significant negative influence on perceived risk.

scholarly journals PENGARUH KONFLIK PERAN DAN PENGEMBANGAN KARIR TERHADAP KEPUASAN KERJA (STUDI PEGAWAI DIVISI KONSTRUKSI IV di PT. ADHI KARYA (Persero) Tbk. SURABAYA

2016 ◽  
Vol 16 (1) ◽  
pp. 44
Author(s):  
Diana Putri Widiasari Budiono
Keyword(s):  
Data Analysis ◽  
Career Development ◽  
Linear Regression ◽  
Role Conflict ◽  
Sampling Technique ◽  
Negative Influence ◽  
Positive Influence ◽  
Independent Variables ◽  
Analysis Technique ◽  
Two Independent Variables

ABSTRACT The purpose of this study to examine and test the effect of Role conflict and career development on job satisfication of employees at PT. ADHI KARYA (Persero) Tbk. Construction Division IV Surabaya. The approach used in this study is quantitative, where the population is 41 employees and the sampling technique used was saturated samples with te total of 41 employess. The data analysis technique used was multiple linear regression with the help of SPSS softwareversion 20.The results of the study simultaneously show that role Conflict and career development affect job satisfication.The magnitude of the influence caused by two independent variables are 46,6 %, while the remaining 53,4 % is influenced by variables outside the research variables. The, the study partially indicates that role conflict has Significantly negative influence on job satisfication, while the Career development has significantly positive influence on job satisfaction.

scholarly journals Exploring e-mobile banking implementation barriers on Indonesian millennial generation consumers

2021 ◽  
Vol 5 (4) ◽  
pp. 579-586 ◽  
Author(s):  
Elimawaty Rombe ◽  
Zakiyah Zahara ◽  
Ira Nuriya Santi ◽  
Marjam Desma Rahadhini
Keyword(s):  
Millennial Generation ◽  
Sampling Technique ◽  
Negative Influence ◽  
Positive Influence ◽  
Population Characteristics ◽  
Mobile Banking ◽  
Snowball Sampling ◽  
Implementation Barriers ◽  
Intention To Adopt ◽  
Barriers To Use

The purpose of this study was to determine the effect of value barriers, risk barriers, image barriers, cost barriers and usage barriers on the use of mobile banking in millennial generation customers. This research used a quantitative approach and the sampling technique used is purposive sampling which conducts research on a group of subjects with certain characteristics or is considered closely related to previously known population characteristics. This research was conducted by distributing 140 online questionnaires to mobile banking users and there were 110 questionnaires that were reversed and processed. Sampling methods use snowball sampling. The results indicate that there was a positive but not significant effect between risk barriers and mobile banking adoption intentions. However, there was a negative influence between image barriers and mobile banking adoption intentions. Moreover, there was a positive influence between perceived cost barriers and mobile banking adoption intentions, there was a positive influence between the barriers to use and mobile banking adoption the intention to adopt. Finally, there was a significant influence between value barriers and mobile banking adoption intentions.

PENGARUH JASA PELAYANAN FREIGHT FORWARDING TERHADAP KEPUASAN PELANGGAN

2018 ◽  
Author(s):  
Andar Sri Sumantri ◽  
Radix Nugrahanto
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Secondary Data ◽  
Sampling Technique ◽  
Positive Influence ◽  
Linear Regression Equation ◽  
Independent Variables ◽  
Freight Forwarder ◽  
Freight Forwarding ◽  
A Company

<p>Customer is an important factor for the survival of a company. At a time, company sometimes didn’t know the level of customer satisfaction. If the company continues with this situation, the company would not know the next strategies to develop the company. There are many factors that connected with customer such as trust, facility and service quality. This research objective is to analyze if there is a positive influence, both individually and simultaneously between independent variables which are trust, facility and service quality to the dependent variable which is customers. In this research the object are the customers of PT Panah Persada Logisindo Semarang. The data sources are primary and secondary data using sampling technique of 80 respondents. The results of multiple linear regression equation show that there is a positive influence and partial significant between (t= 3,543 &gt; ttebal = 1, 99167) Trust, (t=4,976 &gt;ttebal=1,99167 ) Facility and (t =3,908 &gt; ttebal= 1, 99167) Service Quality effected by customer satisfaction.</p><p><strong>Keywords: Trust, Facility, Service Quality, Customer Satisfaction</strong></p><p>Kepuasaan Pelanggan merupakan faktor penting terhadap kelangsungan hidup sebuah perusahaan. Masalah yang dihadapi perusahaan saat ini berkaitan dengan tidak diketahuinya kepuasaan Pelanggan setiap tahun, Jika ini dibiarkan terus menerus, perusahaan tidak dapat menentukan strategi untuk meningkakan kepuasaan pelanggan. Ada banyak faktor yang mempengaruhi Kepuasaan Pelanggandipengaruhi oleh kepercayaan, fasilitas dan Kualitas Pelayanaan. Perumusan masalah, tujuan penelitian dan hipotesis pada latar belakang masalah dan tujuan penelitian ini untuk menganalisis adakah pengaruh yang positif baik secara individual dan simultan antara variabel independen yaitu kepercayaan, fasilitas, kualitas pelayanaan terhadap variabel dependen yaitu Kepuasaan Pelanggan. Pada penelitian ini obyek yang diambil pengguna jasa Freight forwarder PT Panah Persana Logisindo Semarang Sumber data meliputi data primer dan sekunder. Sampel pada penelitian ini adalah 80 responden teknik sampling yang digunakan seluruh populasi dijadikan sample. Berdasarkan hasil penelitian dan analisis berganda dihasilkan persamaan : Hasil persamaan regresi linear berganda menunjukkan bahwa ada pengaruh yang positif dan signifikan secara parsial antara ( t hitung = 3,543&gt; t tabel = 1,99167) kepercayaan, (t hitung4,976 &gt; t tabel =1,99167) Fasilitas ( t hitung = 3,908&gt; t tabel = 1,99167) Kualitas pelayanaan terhadap Kepuasaan Pelanggan.</p><p><strong>Kata kunci : Kepercayaan, Fasilitas, Kualitas Pelanggan. Kepuasaan Pelanggan</strong></p>

scholarly journals PENGARUH RELATIONSHIP MARKETING DAN KUALITAS LAYANAN TERHADAP LOYALITAS NASABAH TABUNGAN SIKOCI PADA BANK NAGARI CABANG SIMPANG EMPAT

2020 ◽  
Author(s):  
Lola Satri ◽  
Alfian
Keyword(s):  
Regression Analysis ◽  
Relationship Marketing ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Positive Influence ◽  
Research Use ◽  
Independent Variables ◽  
Analysis Technique ◽  
Positive Effect

This research has a purpose to know whether relationship marketing and service quality have positive influence to loyalty of customer of saving sikoci at Bank of Nagari branch of Simpang Empat either partially or simultaneously and know which variable is more dominant. The data collection techniques used in this study is a questionnaire. The sample used is 100 customer, with sampling technique using accidental sampling technique. Data analysis technique in this research use multiple linear regression analysis. The results obtained in this study are as follows: (1) Trust has positive effect (944) &lt;(1,984) and not significant (0,348)&gt; (0,05) to loyalty. (2)) Commitment has positive (8,218)&gt; (1,984) and significant (0,000) &lt;(0,05) effect on loyalty. (3) Tangibles has negative (-2,430)&gt; (1,984) and significant (0,017) &lt;(0,05) effect on loyalty. (4) Reliability negatively (-1.570) &lt;(1,984) and insignificant 0, 120&gt; 0.05 to loyalty. (5) Responsiveness has positive effect (5,922)&gt; t table (1,984) and significant (0,000) &lt;(0,05) to loyalty. (6) Warranty has positive effect (1,199) &lt;(1,984) and insignificant 0, 234&gt; 0,05 to loyalty. (7) Empathy has positive effect (186) &lt;(1,984) and insignificant 0, 853&gt; 0,05 to loyalty. From the value of Adjusted R Squere simultaneously produced 566. It means that 56.6% of loyalty variables are influenced by independent variables and the remaining 43.4% is influenced by othervariables.

scholarly journals IMPLIKASI PERUBAHAN UNDANG–UNDANG PERPAJAKAN TERHADAP KEPUTUSAN STRATEGI LEVERAGE BAGI PERUSAHAAN YANG TERDAFTAR DI PT. BURSA EFEK JAKARTA

2017 ◽  
Vol 12 (2) ◽  
pp. 227
Author(s):  
Sapari Sapari
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Stock Exchange ◽  
Negative Influence ◽  
Positive Influence ◽  
Independent Variables ◽  
Tax Shield ◽  
Independent Variable ◽  
Debt Tax Shield ◽  
Tax Regulation

This  research  examines the  connection between non debt tax shield and the change of leverage, between level of effective company tax and the change of leverage, and between operation income before depreciation and the change of leverage.This research takes 17 samples of  food and beverages companies listed in Jakarta Stock Exchange from 1st  January 1994 till 31st  December 1999. And this research uses data from 1994 – 1999 for the regression analysis. Multiple regression analysis is used to test hyphothesis 1 (H1), hyphothesis 2 (H2) and hyphothesis 3 (H3). Independent variables in the regression are level of effective company tax, non debt tax shield and operation income before depreciation, whilst independent variable in the regression is leverage.The result of this research proves that (1) non debt tax shield after the amendment of 1994 tax regulation (1995 – 1999) brings positive influence to the leverage change, (2) level of effective company tax after the amendment of 1994 tax regulation (1995 – 1999) brings negative influence to the leverage change, and (3) operation income before  depreciation  after the amendment of 1994 tax regulation (1995 – 1999) brings positive influence to the leverage change.

scholarly journals Electronic Banking and Financial Performance of Commercial Banks in Kenya

2019 ◽  
Vol 3 (II) ◽  
pp. 293-304
Author(s):  
Maria Mueni Mutisya ◽  
Gerald Atheru
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Internet Banking ◽  
Business Environment ◽  
Mobile Banking ◽  
Electronic Banking ◽  
Return On Assets ◽  
Independent Variables ◽  
Net Profit ◽  
Automated Teller Machine

Information technology has changed the traditional ways of doing business to a digital and electronic way that has led to globalization. The banking industry has been forced by the wave of electronic payment system in the business environment to change from its traditional ways such as: long queues as customers waited to be served, delay in the clearing house as representatives of different banks waited to settle their dues and manual work that resulted to errors. The main purpose of the study was to determine the effect of electronic banking on the financial performance of commercial banks in Kenya. The specific objectives were to determine the extend of internet, mobile, automated teller machine and debit/credit card banking adoption and its effect on financial performance. The study covered a period of five years that is from the year 2011 to the year 2015 and adopted descriptive research design. The data collected was analyzed by the use of both descriptive and inferential statistics procedures. Primary and secondary data was collected from the 34 commercial banks that responded leading to a respond rate of 79.04% out of the 43 commercial banks. The trade analysis showed that internet banking was recognized and accepted by the Kenyan commercial banks and the Kenyans as a way of transacting. Electronic banking was found to be positive and significantly related to the financial performance of the commercial banks in Kenya. This was attributed by an R Square of 0.688 for Return On Assets, 0.63 for Net Profit and 0.277 for Return On Equity indicating that the independent variables in the study were able to give information of up to 68.8%, 63% and 27.7% respectively while the remaining 31.2%, 27% and 72.3% could not be explained in the study but could be explained using other variables outside the study. All the independent variables were (internet banking, Mobile banking, Automated Teller Machine banking and Debit/Credit banking) found to be positively and significantly related to the Return On Assets while only mobile banking and internet banking were found to be positively and significantly related to Net Profit since their p Values were less 0.05. Automated Teller Machine banking showed a positive relation that was insignificant with the Return On Equity.The study recommends that, electronic banking should be employed by commercial banks through proper management policies since it has shown improved efficiency and financial performance. For further studies, areas of crime technology, quality of banking services, electronic fund transfer and performing loans should be looked at. This is an open-access article published and distributed under the terms and conditions of the Creative Commons Attribution 4.0 International License of United States unless otherwise stated. Access, citation and distribution of this article is allowed with full recognition of the authors and the source.

scholarly journals PENGARUH PROFITABILITAS, LEVERAGE, DAN LIKUIDITAS TERHADAP NILAI PERUSAHAAN SUB SEKTOR FOOD AND BEVERAGES

2018 ◽  
Vol 8 (1) ◽  
pp. 439
Author(s):  
I Putu Sukarya ◽  
I Gde Kajeng Baskara
Keyword(s):  
Significant Influence ◽  
Firm Value ◽  
Sampling Method ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Negative Influence ◽  
Positive Influence ◽  
Probability Sampling ◽  
Food And Beverages ◽  
Sampling Approach

The firm value is important because it reflects the performance of the company that affect the perception of investors to the company. The purpose of the study is to determine the effect of profitability, leverage, and liquidity to the firm value. Sampling method used in this research is non-probability sampling approach with purposive sampling technique. The number of samples are 12 companies in the food and beverages sector in Indonesia Stock Exchange 2014-2016. The results showed that simultaneously profitability have significant influence to firm value, leverage have significant influence to firm value, and liquidity have significant influence to firm  value. Partially profitability has a positive influence significantly to  firm value, Leverage has negative influence not significanlyt to firm value, and Liquidity has a positive influence significant to firm value. Keywords: firm value, profitability, leverage, and liquidity

scholarly journals PENGARUH FAKTOR INTERNAL, EKSTERNAL, DAN LAYANAN TRANSAKSI DIGITAL BANK TERHADAP PROFITABILITAS

2021 ◽  
Vol 10 (6) ◽  
pp. 607
Author(s):  
Marizka Distya Anastasia ◽  
Munari Munari
Keyword(s):  
Economic Growth ◽  
Commercial Banks ◽  
Quantitative Methods ◽  
Service Providers ◽  
Sampling Technique ◽  
Internet Banking ◽  
Company Size ◽  
Mobile Banking ◽  
Growth Data ◽  
Keywords Internet

One of the important factors for banking is financial service providers who describe the bank to perform performance as measured by profitability. Factors that cause changes in bank profitability can be seen from internal factors as well as external factors as well as the application of technology. This study aims to analyze, test, and prove the effect of CAR, NPL, LDR, BOPO, company size, inflation, economic growth, internet banking transactions, and mobile banking transactions on the profitability of commercial banks listed on the Indonesia Stock Exchange in 2015-2019. This study uses quantitative methods with secondary data obtained through bank financial reports available on the IDX and the website of the Badan Pusat Satistik (BPS) related to inflation and economic growth data. Determination of the sample using purposive sampling technique in order to obtain 6 commercial banks to be researched. Technical analysis of the data using multiple linear regression. The results showed that CAR has a significant positive effect on profitability, while BOPO, economic growth, and mobile banking transactions have a significant effect on profitability. However, NPL, LDR, company size, inflation, and internet banking transactions have no effect on profitability. Keywords: Internet banking; mobile banking; profitability

scholarly journals RISIKO, GOOD CORPORATE GOVERNANCE, PROFITABILITAS, CAPITAL TERHADAP KESEHATAN BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA

2020 ◽  
Vol 17 (2) ◽  
pp. 50
Author(s):  
Shanty Rahayuningtyas ◽  
Emanuel Kristijadi
Keyword(s):  
Corporate Governance ◽  
Foreign Exchange ◽  
Financial Services ◽  
Secondary Data ◽  
Sampling Technique ◽  
Negative Influence ◽  
Positive Influence ◽  
Health Score ◽  
Purposive Sampling ◽  
Good Corporate Governance

ABSTRACT  The purpose of this study was determine whether CKPN, ALR, BOPO, IRR, GCG, ROA and ETA have a significant effect either simultaneously or in part. This study used the population of the National Private Foreign Exchange Bank in Indonesia, with a purposive sampling technique. The data used are secondary data taken from the Financial Services Authority website and the Infobank Research Bureau, with data collection methods using the documentation method and data analyzed using panel data and multiple linear regression. The results of this study indicate that CKPN, ALR, BOPO, IRR, GCG, ROA and ETA simultaneously have a significant effect on the Health Scores of National Foreign Exchange Private Banks in Indonesia. CKPN, ALR, GCG partially have insignificant negative influence, BOPO and ETA partially have insignificant positive influence, IRR partially has significant negative influence and ROA partially has a significant positive effect on the Health Score of Private Foreign Exchange National Banks in Indonesia. Keywords                   : Business Risk; Good Corporate Governance; Health Score ABSTRAKTujuan dari penelitian ini adalah untuk menentukan apakah CKPN, ALR, BOPO, IRR, GCG, ROA dan ETA memiliki pengaruh signifikan baik secara simultan atau sebagian terhadap Skor Kesehatan Bank Umum Swasta Nasional Devisa di Indonesia. Penelitian ini menggunakan populasi Bank Nasional Devisa Swasta di Indonesia, dengan teknik pengambilan sampel purposive sampling. Data yang digunakan adalah data sekunder yang diambil dari situs web Otoritas Jasa Keuangan dan Biro Riset Infobank, dengan metode pengumpulan data menggunakan metode dokumentasi dan data dianalisis menggunakan data panel serta regresi linier berganda. Hasil penelitian ini menunjukkan bahwa CKPN, ALR, BOPO, IRR, GCG, ROA dan ETA secara simultan memiliki pengaruh yang signifikan terhadap Skor Kesehatan Bank Umum Swasta Nasional Devisa di Indonesia. CKPN, BOPO, ALR, GCG dan ETA secara parsial memiliki pengaruh tidak signifikan, IRR secara parsial memiliki pengaruh negatif signifikan dan ROA secara parsial memiliki pengaruh positif signifikan terhadap Skor Kesehatan Bank Nasional Devisa Swasta di Indonesia. Kata kunci                  : Risiko Usaha; Good Corporate Governance; Skor Kesehatan

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