The Mediating Role of Age Productivity on Human Resources Development, Health Infrastructure, and Proverty Level

Poverty is a classic problem in many regions in Indonesia, including the Bengkulu Province. There are several causes of poverty case in Bengkulu, three of which are low human resources, inadequate rural health infrastructure, and less productive population with productive working age. The purpose of the study is to examine 1) the influence of human resources management, health infrastructure, and productive age partially on poverty in Bengkulu Province, and 2) the influence of human resources, health infrastructure respectively through mediation of productive age on poverty in Bengkulu Province. This study uses a quantitative descriptive approach using secondary data. The research population is all districts/cities in Bengkulu Province totalling 9 districts and 1 city in 2010 – 2019. This study uses saturated sampling. The data was then processed and analyzed using SEM-PLS. The results of the study show that human resources proxied by the Human Development Index (HDI) had a positive effect on the poverty level, health infrastructure had no effect on the poverty level, productive age had no effect on the poverty level, productive age was not a mediating variable between resources and the poverty level, so that cannot be used as a mediating variable, and productive age does not mediate the effect of health infrastructure on poverty levels in Bengkulu Province.

Analysis of Smart Home Systems in the Context of the Internet of Things in Terms of Consumer Experience

Smart homes, which are an important component of the Internet of Things (IoT) provides an effective service for users by communicating with various digital devices based on IoT. IoT-based smart home technology has transformed the lives of humans by providing everyone with a connection independently from time and space. However, due to various challenges such as privacy, security, and price, problems are experienced by consumers in terms of accepting smart home technologies. In the study, it was aimed to develop a model for accepting smart home technologies, and based on the results obtained, it was attempted to determine what factors affect the consumers' intention to buy smart home systems. In this context, with the help of Technology Acceptance Model (TAM), a research model was designed for the purchaser of a home as a product. In the research model, it was investigated what kind of effects perceived psychological factors (perceived ease of use, perceived intelligence, perceived suitability, perceived price, and perceived risk of privacy) have on the purpose and behavior of using IoT systems through perceived benefit. In addition, the relationship between sensory and emotional experiences of consumers, psychological perception factors and perceived usefulness was tested. Data was collected by conducting an online survey questionnaire completed by 430 respondents. Partial least squares (PLSs) was explored to test the theoretical model. The research results show that perceived psychological factors (perceived ease of use, perceived connectivity, perceived intelligence, perceived convenience, and perceived privacy risk) have significant effect on the intention and behavior of IOT systems usage through perceived benefit. In terms of sensory and emotional experience, it only softens the relationship between the perceived privacy risk of emotional experience and the perceived benefit.

A Path Model of Innovative Customer Orientation and Company Performance with the Moderating Influence of Company Training

This study used a sample of salespeople at various companies to substantiate a path model of innovativeness, customer orientation, and performance; thus, it offers a multi-disciplinary framework. Results indicated a moderating influence of company training programs on the relationship between customer orientation and performance, which can have several implications for human resource managers and sales contact employees. Two features, testing the influence of training activities and measuring customer orientation from the employees' perceptions, distinguish this study from previous studies.

Capital Regulation and Risk-taking Behavior: Empirical Evidence for Islamic Banks

This paper investigates whether regulatory pressures have an impact on the relationship between change in capital and bank risk-taking. On the basis of a well developed theoretical background, capital regulation constitutes the core of prudential regulation within the banking sector. Several researches have investigated this relationship between capital and risk in conventional banks, and this subject has gained in interest since the last financial crisis. This study is one of the few studies that have attempted to provide empirical evidence on this issue for Islamic banks. We use data of Islamic banking sectors over the period 2010–2014. The results reveal that Islamic banks tend to behave differently at each level of capital adequacy. In addition, we provide some evidence that change in capital is positively related to the change in risk for highly capitalized Islamic banks.

Implementation Model of Equity Participation in Regional Development Banks in Indonesia

The purpose of this study is to analyze the implementation of competitive advantage in equity participation in PT Bank Pembangunan Daerah for the period of October 2020 which is still in the category of Commercial Banks Based on Business Activities 1. Specifically, this research also tries to build the best implementation model for regional capital participation to PT Bank Pembangunan Daerah which is integrated with the planning and budgeting system and integrated with regional development priorities. We operate qualitative method which aims to get the real picture by developing a process analysis using direct data sources from informants totaling 27 people with very competent status in the field of regional capital participation at PT Bank Pembangunan Daerah Bengkulu Province and Central Sulawesi Province. Creswell (2009) states that the research process involves questions and procedures that arise, data that is usually collected in a participant setting, data analysis that is constructed inductively from specific to general themes. The results of the study explain that competitive advantage is seen from the substance of the low cost strategy of 25 (twenty five) Regional General Treasurers as Regional Financial Management Officers, there are 20 (twenty) Regional General Treasurers as Regional Financial Management Officers stating that the implementation of competitive advantage is seen from the substance the low-cost strategy is still not optimal (80% of informants), and 5 (five) Regional General Treasurers as Regional Financial Management Officers explain that currently there is no implementation of the low-cost strategy in the series of processes for capital participation in the work area carried out by PT Bank Pembangunan Daerah Bengkulu and in the work area of PT Bank Pembangunan Daerah Sulawesi Tengah (20% Informants). The best implementation model to build the integration of the provincial/district/city government capital participation system into PT Bank Pembangunan Daerah in an optimal and regulatory manner with operations is: Phase 1, capital participation management is integrated with regional regulations on RPJMD, Restra SKPD documents, and RKPD documents. Stage 2, the management of equity participation is implemented in regional regulations concerning APBD, then realized and evaluated in the general meeting of shareholders and/or other coordination meetings.