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Variabel Yang Mempengaruhi Penggunaan Bank Digital Melalui Behavioral Intention Widjaja, Kevin; Nurjanah, Siti
STREAMING Vol. 4 No. 1 (2025): STREAMING Business Journal
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/streaming.v4i1.4538

Abstract

This research aims to determine the factors that influence a person's use of Digital Banks. The indicators used in this research are Perceived Ease of Use (POEU), Performance Expectancy (PE), Facilitating Condition (FC), Behavioural Intention (BI) as an intervening variable, and Use Intention (UI). This research uses a quantitative research approach using data collection methods by filling out online questionnaires from 150 sources who have used Digital Bank. Using the SEM (Structural Equation Mode) analysis method produces a test that Performance Expectancy, Facilitating Conditions have a direct and indirect influence on Use Intention, however perceived Ease of Use does not have a direct or indirect influence by showing a value of -2.550 and -0.657 in the model analysis testing that has been carried out. This negative value shows that the Perceived Ease of Use variable does not influence using Digital Bank. In utilizing digital banking services, a person's habits can be directly and significantly influenced by performance expectations.
Accuracy of the Residual Income Valuation Model in Stock Price Measurement: A Study on Coal Mining Industry Issuers in the Indonesia Stock Exchange Widjaja, Kevin
Business Preneur: Jurnal Ilmu Administrasi Bisnis Vol. 7 No. 2 (2025): Vol. 7 No. 2 September 2025
Publisher : Program Studi Ilmu Administrasi Bisnis FISIP UNPAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/bp.v7i2.10404

Abstract

This research was conducted to evaluate the accuracy of Residual Income Valuation Model (RIVM) in the valuation of coal mining industry stocks in Indonesia. The study compared the results of the RIV model with other valuation models, such as Discounted Cash Flow (DCF) and Enterprise Value/EBITDA (EV/EBITDA) multiples, using three accuracy measurement tools: bias, accuracy, and squared error. The research findings indicate that RIVM dominates DCF in terms of accuracy and squared error measures but fails in the bias measurement tool. In comparison with EV/EBITDA multiples, RIVM fails in the bias measurement tool and produces values that tend to be similar in the accuracy and squared error measurement tools. Based on these research findings, it can be concluded that RIVM has its own advantage in predicting stock prices compared to DCF, with valuation values that are low level of significant errors. Additionally, the use of RIVM and EV/EBITDA multiples can still be interchangeably applied, depending on industry characteristics that are being valued.
Karakterisasi dan Uji Aktivitas Antibakteri dari Fungi Endofit Ranting Tanaman Manggis (Garcinia mangostana L.) terhadap Escherichia coli dan Staphylococcus aureus Widjaja, Kevin; Soegianto, Lisa; Ervina, Martha
Jurnal Farmasi Sains dan Terapan (Journal of Pharmacy Science and Practice) Vol. 6 No. 1 (2019)
Publisher : Faculty of Pharmacy, Widya Mandala Surabaya Catholic University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33508/jfst.v6i1.2007

Abstract

Resistance is commonly caused by improper usage of antibiotics, so the treatment of the infection always needs a new and more potent compounds. Endophytic microbes are microbes that all or part of its life stay in the tissues of plant, which established a mutually beneficial relationship between them. In this research, isolation of endophytic fungi was conducted by sticking the sterilized twigs of mangosteen to the media Malt Extract Agar obtained three pure endophytic fungi colonies. The antibacterial activity assay with direct inoculation method at media Plate Count Agar which was inoculated with bacteria and showed that the antibacterial activity against Escherichia coli ATCC 8739 was one isolate (ER2) with inhibition average ratio 1.42 and against Staphylococcus aureus ATCC 6538 was three isolates (ER1, ER2, and ER3) with inhibition average ratio 1.66; 1.37; and 1.89. The fungus were observed characteristics of the macroscopic, microscopic and biochemical assay. ER1 and ER3 isolates are suspected as a Penicillium genus with specific characteristics such as the conidiophore, fialid, metulae, and conidiospore. ER2 isolate was suspected as a Rhizoctonia genus because there are nearly right-angled hyphae and monilioid cells.