EFISIENSI KINERJA KEUANGAN SEKTOR PERBANKAN INDONESIA DI MASA PANDEMI COVID-19

Penelitian ini bertujuan untuk menganalisis efisiensi kinerja keuangan sektor perbankan Indonesia di masa pandemi covid-19 dengan memakai pendekatan Data Envelopment Analysis (DEA). Data yang digunakan adalah data sekunder yang berwujud dokumen financial statements dan annual report perbankan umum konvensional dan syariah yang didapat dari laman resmi www.idx.co.id dan www.ojk.go.id. Populasi dalam penelitian ini adalah seluruh perusahaan perbankan di Indonesia yang terdiri atas Bank Umum Konvensional dan Bank Umum Syariah. Teknik sampling yang digunakan adalah teknik purposive sampling dengan sampel sebanyak 31 Bank Umum Konvensional dan 13 Bank Umum Syariah. Metode pengukuran efisiensi yang dipakai adalah pengujian non parametrik Data Envelopment Analysis (DEA) dengan pendekatan intermediasi dan profit. Variabel input yang dipilih mencakup modal, aktiva tetap, dana pihak ketiga (DPK) dan biaya operasional. Sedangkan variabel output mencakup kredit atau pembiayaan dan laba. Hasil penelitian menunjukkan bahwa rata-rata tingkat efisiensi sektor perbankan baik Bank Umum Konvensional ataupun Bank Umum Syariah menghadapi penurunan yang substansial di masa pandemi covid-19

GENERATION Z CASHLESS PREFERENCES IN THE POST COVID-19 PANDEMIC ERA: IDENTIFYING THE CONTINUITY OF DIGITAL PAYMENT USAGE

This quantitative study aims to identify factors affecting the intention of continuity of digital payment use in Generation Z in the post-Covid-19 pandemic. Based on the concepts of ECM (Expectation Confirmation Model) and TAM (Technology Acceptance Model), perceived ease of use, usefulness, and satisfaction were selected as determining variables. Data were collected through questionnaires from 150 Generation Z respondents as digital payment users and tested based on the SEM-PLS technique using SmartPLS software version 4.0. This research has proven that perceived ease of use and satisfaction are the main factors for the continuance intention of digital payment use in Generation Z, especially in the post-Covid-19 pandemic. In contrast, perceived usefulness is not a significant predictor that affects the continuance intention of use. The results of this study are expected to contribute to the expansion of literacy and increase the development of digital payment systems to meet consumer needs in the current cashless era. Further research is needed in describing the continuance intention of digital payment use in Generation Z by adding more variables and increasing the sample to get better findings

Analysis of the factors of intention to use QRIS for MSMEs in Semarang City’s traditional market

Quick Response Indonesian Standard (QRIS) is the standardization of QR codes as a technology for payment systems established by Bank Indonesia on January 1, 2020. This standardization was formed to provide an easier and more efficient cashless payment system, especially for MSMEs. This study targets to analyze factors, namely product knowledge, perceived usefulness, perceived ease of use, and perceived risk of the intention of using QRIS in Traditional Market MSMEs in Semarang City. The model in this study was developed from the Technology Acceptance Model (TAM) framework and adapted to the context of MSMEs in Indonesia. This research uses an associative quantitative approach. The population in this study was traders in seven traditional markets in the Semarang City area. As empirical data was collected through a questionnaire involving 105 respondents from traders in the traditional market of Semarang City, then analyzed with SEM-PLS analysis techniques with SmartPLS software. The results showed that product knowledge, perceived usefulness, and perceived ease of use positively and significantly affected the intention of using QRIS. Then, perceived risk negatively and significantly affects the intention of using QRISQuick Response Indonesian Standard (QRIS) is the standardization of QR codes as a technology for payment systems established by Bank Indonesia on January 1, 2020. This standardization was formed to provide an easier and more efficient cashless payment system, especially for MSMEs. This study targets to analyze factors, namely product knowledge, perceived usefulness, perceived ease of use, and perceived risk of the intention of using QRIS in Traditional Market MSMEs in Semarang City. The model in this study was developed from the Technology Acceptance Model (TAM) framework and adapted to the context of MSMEs in Indonesia. This research uses an associative quantitative approach. The population in this study was traders in seven traditional markets in the Semarang City area. As empirical data was collected through a questionnaire involving 105 respondents from traders in the traditional market of Semarang City, then analyzed with SEM-PLS analysis techniques with SmartPLS software. The results showed that product knowledge, perceived usefulness, and perceived ease of use positively and significantly affected the intention of using QRIS. Then, perceived risk negatively and significantly affects the intention of using QRI

Determinants of BSI mobile banking adoption intentions: DeLone & McLean and UTAUT Model integration with religiosity

Purpose − This research aims to identify influencing factors on BSI mobile banking adoption intention by integrating the UTAUT and DeLone & McLean models and the role of religiosity variables. Methodology − This research used primary data from 150 Bank Syariah Indonesia customers who used mobile banking. The analysis method applied SEM PLS to assess the relation among exogenous and endogenous variables using SmartPLS software. Findings − The findings show that from the factors identified, Service Quality, Information Quality, Performance Expectancy, Effort Expectancy, Social Influence, and Religiosity are critical variables in BSI mobile banking adoption intention. Because these six factors significantly impact the intention of BSI Mobile Banking adoption. Implications − Our work helps stakeholders strategize and policy to offer more innovative and flexible production technologies. So, the bank must pay more attention to things that support the increasing performance of mobile banking to increase customer intentions in adopting BSI mobile banking. Originality − This research provides a theoretical contribution in integrating the UTAUT and DeLone & McLean models, including the role of religiosity variables in assessing the adoption intention factors of BSI mobile banking in Indonesian society

Determinants of BSI mobile banking adoption intentions: DeLone & McLean and UTAUT Model integration with religiosity

Purpose − This research aims to identify influencing factors on BSI mobile banking adoption intention by integrating the UTAUT and DeLone & McLean models and the role of religiosity variables. Methodology − This research used primary data from 150 Bank Syariah Indonesia customers who used mobile banking. The analysis method applied SEM PLS to assess the relation among exogenous and endogenous variables using SmartPLS software. Findings − The findings show that from the factors identified, Service Quality, Information Quality, Performance Expectancy, Effort Expectancy, Social Influence, and Religiosity are critical variables in BSI mobile banking adoption intention. Because these six factors significantly impact the intention of BSI Mobile Banking adoption. Implications − Our work helps stakeholders strategize and policy to offer more innovative and flexible production technologies. So, the bank must pay more attention to things that support the increasing performance of mobile banking to increase customer intentions in adopting BSI mobile banking. Originality − This research provides a theoretical contribution in integrating the UTAUT and DeLone & McLean models, including the role of religiosity variables in assessing the adoption intention factors of BSI mobile banking in Indonesian society

Analisis Value Chain Pada Minimarket Suryamu Sukoharjo

Value chain merupakan suatu instrumen yang digunakan untuk menganalisis keunggulan competitif dan menciptakan teknik yang tepat guna meningkatkan keunggulan tersebut. Pada tulisan ini Value Chain digunakan untuk menganalisis industri retail minimarket. Retail ialah akhir dari seluruh aktivitas pada saluran distribusi yang menghubungkan antara produsen dengan konsumennya dalam penjualan produk atau jasa. Retail yang dijadikan obyek analisis adalah Minimarket Suryamu, retail ini berada di Kabupaten Sukoharjo. Metode penelitian yang digunakan berupa metode deskriptifdengan menggunakan data primer yang didapatkan melalui observasi lapangan, wawancara dan dokumentasi. Hasil analisis yang didapatkan untuk meningkatkan keunggulan kompetitif adalah dengan memperbanyak variasi produk, karena dengan hal ini akan mempermudah pelanggan mencari barang yang diinginkan. Selain hal itu yang menjadi perhatian adalah memaksimalkan komunitas yang sudah ada dengan memenuhi setiap kebutuhannya. Adapun hal-hal yang patut untuk dipertahankan dan ditingkatkan adalah menambah jaringan distributor karena dengan menambah jumlah distributor produk akan mendapatkan harga lebih rendah dan akan merubah harga jual produk, tampilan toko, penggunaan teknologi, merincikan SOP dan pelayanan customer service

Kinerja Bisnis UMKM di Era Digital

Kinerja bisnis menginterpretasikan hubungan kuat antara kegiatan usaha dengan tujuan strategis organisasi, kepuasan konsumen, dan kemampuan berkontribusi terhadap perekonomian. Dalam membangun usaha bisnis pelaku UMKM harus memiliki kemampuan dan keyakinan diri untuk mengembangkan menjadi lebih maju. Pelaku UMKM dengan entrepreneurial self efficacy (ESE) yang tinggi dapat meningkatkan keterampilannya dalam pengembangan produk, menghadapi masalah dengan memikirkan solusi terbaik, dan fokus pada tujuan. Keberhasilan atau kegagalan UMKM bergantung pada kelangsungan keuangan mereka. Money attitude berkaitan dengan pemahaman sikap orang terhadap uang karena menentukan perilaku uang individu. Penerapan sikap terhadap uang yang sering salah dan kurangnya manajemen pengetahuan pengelola UMKM dapat menyebabkan turunnya kinerja keuangan UMKM. Buku ini tidak hanya menjelaskan kinerja bisnis UMKM saja tetapi juga membahas mengenai bagaimana bentuk dukungan yang diberikan lembagan pemerintah terhadap UMKM untuk mendorong pertumbuhan ekonomi dan meningkatkan kinerja bisnisnya. Sudah selayaknya jika negara menciptakan lingkungan yang memungkinkan untuk kelangsungan hidup sektor bisnisnya, dikarenakan UMKM telah terbukti menopang perekonomian negara di saat krisis ekonomi. UMKM merupakan industri yang tangguh di masa pandemi dan juga muncul sebagai sumber kekuatan ekonomi baru bagi negara. Era digital dan kondisi pandemi mendorong pelaku bisnis beradaptasi mengikuti perubahan untuk menghadapi persaingan bisnis yang semakin kompetitif. Teknologi digital kini membuka peluang bagi UMKM untuk naik kelas meningkatkan kinerja dan berkontribusi pada perekonomian nasional. Buku ini cocok dijadikan buku rujukan dan referensi kalangan intelektual di lingkungan perguruan tinggi, praktisi yang berkecimpung sebagai pelaku UMKM serta masyarakat umum yang ingin menambah pengetahuan dan wawasan tentang kinerja bisnis UMKM di Era Digital. Buku ini hadir memberi gambaran bagi pembaca tentang bagaimana kinerja pelaku UMKM dan peran wanita dalam kewirausahaan ditinjau dari perspektif entrepreneurial self efficacy, attitude of money, dukungan lembaga dan financial technology