Percepatan Adopsi Sistem Transaksi Teknologi Informasi Untuk Meningkatkan Aksesibilitas Layanan Jasa Perbankan

E-money had potential as an effective transaction payment tool especially for micro transactions, but publicadoption level was relatively low. The research object was to find the factors that influenced the acceptance levelof e-Money in customer and business user, to develop an acceleration of adoption strategy of e-Money in thepublic. The research methods used in this research were Descriptive and Verificative methods. The respondentsconsisted of customer and business user in Bandung. The sample was chosen purposively. The respondentsfrom business user shown that e-money performance which considered good was transaction speed, easiness toturn into cash, operational easiness and low transaction cost

PERCEPATAN ADOPSI SISTEM TRANSAKSI TEKNOLOGI INFORMASI UNTUK MENINGKATKAN AKSESIBILITAS LAYANAN JASA PERBANKAN

E-money had potential as an effective transaction payment tool especially for micro transactions, but publicadoption level was relatively low. The research object was to find the factors that influenced the acceptance levelof e-Money in customer and business user, to develop an acceleration of adoption strategy of e-Money in thepublic. The research methods used in this research were Descriptive and Verificative methods. The respondentsconsisted of customer and business user in Bandung. The sample was chosen purposively. The respondentsfrom business user shown that e-money performance which considered good was transaction speed, easiness toturn into cash, operational easiness and low transaction cost

Systematic literature review on islamic bank customer adoption

The development of Islamic banking has been widespread in Muslim-majority and non-Muslim countries. In the process of such developments, it is known that the adoption of Islamic banking products and services is an interesting phenomenon to study. This study aims to uncover the supporting factors for adopting Islamic banking in various countries. With a systematic literature review approach to publications in databases of reputable journals, this study has recognized that the adoption process of Islamic banking can be understood through the Diffusion of Innovation theory, Theory of Planned Behaviour, and Theory of Reasoned Action, including modifications. The religiosity aspect is a factor that exerts internal influence in the adoption of Islamic banking, while the environmental support factor is an external factor that supports adoption. This study has confirmed that adoption theories have become a powerful platform for understanding the acceptance of religiously motivated products for consumers with different backgrounds of religiosity

BAGAIMANA RISIKO KREDIT PADA MASA AWAL PANDEMIC?

Tujuan penelitian ini bertujuan untuk melihat atau menganalisis risiko bank yang mengikuti POJK dalam hal profitabilitas dan pertumbuhan kredit yang terjadi pada saat masa awal Covid - 19. Metode penelitian yang digunakan adalah deskriptif dan verifikatif dengan desain  explanatory . Populasi penelitian adalah seluruh bank peserta program POJK di Indonesia. Pengumpulan data diperoleh dari website ojk.go.id untuk dianalisis. Analisis data dilakukan dengan analisis regresi berganda. Hasilnya menunjukan bahwa risiko kredit pada masa pendemik secara Bersama sama dipengaruhi oleh pertumbuhan kredit dan profitabilitas, akan tetapi hanya profitabilitas yang mempengaruhi risiko kredit secara parsial, yang menunjukan meningkatnya profitabilitas akan menurunkan risiko kredit pada masa panedemic ini. Kata kunci : Risiko kredit, Profitabilitas, Pertumbuhan kredit, Covid 19

Peran self efficacy dalam memoderasi pengaruh digital literacy terhadap entrepreneurial intention

This research is motivated by the low entrepreneurial intention of Vocational High School (VHG) students in East Jakarta. This study aims to determine and analyze the mediating effects of self-efficacy on the effect of digital literacy on students' entrepreneurial intention. The method used in this study is an explanatory survey research with data collection techniques through questionnaires and observations. The population of this study were all students SMK 22 dan 67 in Jakarta Timur of class XI class 2021/2022 as many as 316 students, while based on Slovin calculations the sample of this study was 70 students. The collected data were then analyzed using descriptive analysis techniques and multiple linear regression with Moderate Regression Analysis (MRA). The results showed that: 1) the level of digital literacy, self-efficacy, and entrepreneurial of students were in the very high category. 2) Digital literacy affects the entrepreneurial intention of students. 3) self-efficacy mediate the effect of digital literacy on students' entrepreneurial intention. These findings indicate that to increase intention in entrepreneurship, the learning process in SMK needs to be emphasized on efforts to increase digital literacy and self-efficac

Pengaruh Struktur Modal Terhadap Kinerja Perusahaan pada 50 Leading Companies in Market Capitalization di Bursa Efek Indonesia Tahun 2013-2018

Tujuan penelitian ini untuk menguji bagaimana pengaruh struktur modal yang diwakili oleh rasio Debt to Equity Ratio (DER), Debt to Asset Ratio (DAR) serta Long Term Debt to Equity Ratio (LDER) terhadap kinerja perusahan yang ditunjukan oleh Return on Equity (ROE) pada 50 Leading Companies in Market Capitalization yang terdaftar pada Bursa Efek Indonesia tahun 2013-2017. Teknik pengambilan sampel menggunakan purposive sampling sehingga diperoleh 35 perusahaan yang terdaftar dalam 50 Leading in Market Capitaliztion BEI selama bertutut- turut selama periode tahun 2013-2017. Pengujian hipotesis menggunakan tekhnik analisis regeresi data panel.Hasil dari penelitian ini adalah DER dan LDER secara parsial memiliki pengaruh positif dan signifikan terhadap ROE, sememtara DAR secara parsial tidak memiliki pengaruh signifikan terhadap ROE, serta secara simultan terdapat pengaruh yang signifikan antara DER, DAR, LDER terhadap ROE. Nilai Adjusted R square adalah 0.225 mengindikasikan bahwa 22.5% rasio struktur modal DER, DAR, LDER memperngaruhi return perusahaan, sedangkan sisanya sebesar 77.5% dipengaruhi oleh variable lain yang tidak diteliti dalam penelitian ini. Penelitian ini sejalan dengan penelitian yang dilakukan oleh Detthamrong et.al (2017) Das, C.P Swain, S.K. (2018

Kajian Literasi Ekonomi Siswa Sekolah Menengah Atas Al-Amanah Ciwidey

Literasi ekonomi sangat perlu diajarkan kepada siswa agar mereka dapat hidup di tengah-tengah masyarakat modern abad 21. Berbagai upaya telah dilakukan dibeberapa Negara termasuk Indonesia untuk meningkatkan literasi ekonomi siswa, misalnya upaya diluncurkannya kurikulum baru 2013. Kajian ini bertujuan untuk mengetahui literasi ekonomi bagi individu maupun rumah tangga terutama pada siswa yang menginginkan mencapai kesejahteraan untuk belajar meningkatkan literasi ekonomi dapat berefek pada akumulasi aset, proteksi dan meningkatkan tabungan. Metode penelitian digunakan dalam deskriptif eksplanatori melalui kuesioner. Populasi dalam penelitian ini siswa kelas X IPS berjumlah 216 orang, sementara yang menjadi sampelnya adalah kelas X IPS 5 dan X IPS 6 berjumlah 68 orang. Berdasarkan penelitian diperoleh hasil rata-rata kemampuan literasi ekonomi siswa adalah 14,39 yang berarti bahwa siswa kelas X SMA Al-Amanah Ciwidey memiliki kemampuan literasi ekonomi pada kategori sangat rendah. Dengan demikian perlu dilakukan langkah yang lebih baik agar dapat meningkatkan kemampuan literasi ekonomi siswa misalnya dengan penerapan metode pembelajaran yang berkaitan dengan penerapan kemampuan literasi ekonomi

Meningkatkan Hasil Belajar Siswa Melalui Model Pembelajaran Problem Based Learning Pada Mata Pelajaran Ekonomi Kelas XI IPS 1 SMA Negeri 1 Bandung

This study aims to describe student learning outcomes using a problem based learning model. The research method used was classroom action research conducted in two cycles, each cycle consisting of planning, implementing, observing, and reflecting. The subjects in this study were 36 students in class XI IPS 1 SMA Negeri 1 Bandung. The results of the analysis can be concluded that student learning outcomes increased from cycle I to cycle II. This can be seen from the fulfillment of the success indicators as follows. The increase in learning outcomes in the domain of attitudes in cycle I was 62%, in cycle II it increased by 78%, the increase in learning outcomes in the domain of skills in cycle I was 66%, in cycle II it increased to 80%. While the increase in learning outcomes in the realm of knowledge in the first cycle was 65%, in the second cycle was 88%

PENERAPAN BLENDED LEARNING BERBASIS GOOGLE CLASSROOM TERHADAP KETERAMPILAN BERPIKIR KREATIF &KEMANDIRIAN BELAJAR PESERTA DIDIK

Based on the results of interviews at SMAN 1 Lembang, learning that is usually applied by Economics Subject teachers so far using the expository method is carried out face-to-face in the classroom with the support of adequate facilities and infrastructure, where learning is teacher-centered, passive students, and less involved in learning. This causes students to experience burnout which results in a lack of interest and learning independence. The purpose of this study was to determine the effect of blended learning assisted by google classroom on the creative thinking skills and independent learning of students. This study uses a quantitative approach with a quasi-experimental design. The data collection instrument used an essay test with 15 questions and a questionnaire of 20 questions. The sampling technique of this research was carried out by means of cluster random sampling. Hypothesis testing using independent t-test. The results showed that there was an effect of blended learning assisted by google classroom on students' creative thinking skills and independent learningKeywords: The Perfection of Creative Thinking, Self-Reliance Learning, Blended Learnin