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INTELLECTUAL CAPITAL, INCOME DIVERSIFICATION AND BANK PERFORMANCE IN INDONESIAS REGIONAL DEVELOPMENT BANKS Panji Patra Anggaredho; Adler Haymans Manurung; Agung Dharmawan Buchdadi; Muhammad Yusuf
Jurnal Apresiasi Ekonomi Vol 12, No 3 (2024)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v12i3.810

Abstract

Indonesia's economic growth has demonstrated quite impressive achievements in recent years due to the support from the banking sector in stimulating the economy. However, the high performance of the national banking has not been aligned by the Regional Development Banks' (BPD) performances. Thus, this study was conducted to investigate variables that affect BPD performance, such as intellectual capital and income diversification. This study also tested the moderating effect of income diversification between intellectual capital on bank performance. This study used panel data containing financial reports for 23 BPDs in Indonesia. We took annual data from the Financial Services Authority of the Republic of Indonesia with an observation period for the last 16 years (2008-2023). The results of this study show that intellectual capital & income diversification have a positive and significant effect on bank performance. Finally, for testing the moderation effect, this study shows that income diversification provides a moderation effect that can significantly weaken the influence of intellectual capital on bank performance.Keywords: Bank performance, Intellectual capital, Income diversification.
Human Centered Affective Computing Models for Positive Emotional Health Agung Dharmawan Buchdadi; Sri Wahyuningsih; Yessy Oktavyanti; Ester Ananda Natalia; Henry Zainarthur
Journal of Orange Technology Vol. 1 No. 1 (2024): October
Publisher : Sinar Mentari Sundara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.68012/jot.v1i1.7

Abstract

The increasing prevalence of stress, anxiety, and emotional imbalance in digital society highlights the importance of designing computational systems that not only process information but also support psychological resilience, forming the background of this study. With this in mind, the objective of the research is to explore and develop affective and positive computing algorithms and interfaces capable of fostering emotional wellbeing through adaptive interaction strategies. To achieve this, the method combines literature review, algorithmic design, and prototype evaluation using affective data such as facial expression, voice tone, and physiological signals, which are analyzed through machine learning models and integrated into interactive interface prototypes. The results indicate that the proposed algorithms successfully recognize emotional states with higher accuracy than baseline models, while the interfaces provide feedback and adaptive interventions that enhance users’ sense of calmness, engagement, and positive affect during interaction sessions. Moreover, experimental validation suggests that the system can dynamically adjust its responses to individual emotional patterns, leading to more personalized and effective support for wellbeing. In conclusion, this research demonstrates that affective and positive computing can be meaningfully integrated into algorithmic frameworks and interface design to promote emotional health, offering not only theoretical contributions to the field of human-computer interaction but also practical implications for digital mental health tools that encourage resilience and positive experiences in everyday life.