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Analysis of Influencing Factors Intention to Use E-Wallet Using Tam Model Siregar, Ifan Wicaksana; Yulianti, Eka; Susyani, Novi
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 4 (2022): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i4.7239

Abstract

This study aims to determine the factors that influence the intention to use e-wallets in Indonesia. The study has narrowed the   knowledge gap of previous studies in terms of examining four factors ina single setting and focusing on vulnerable 18-55year olds as respondents. In addition, this research has developed mainstream literature on the use of e-wallets. The findings ascertained the significance of the four factors under investigation, and three hypotheses supported for respondents, allowing implications from multiple perspectives of   the strategy to suggest   increased use of e-money.  According to the findings in this study, trust in the provider, the value of enjoyment and the value of comfort seem to be important factors that will influence the intention to use an e-wallet, thus   requires more attention from online transaction facility providers, banks, and software developers.  This means that whatever improvement of the existing e-payment system must consider these characteristics, namely: comfortable, enjoyable and trustworthy. 
Pengaruh Financial Technology terhadap Profitabilitas Pada Perusahaan Perbankan Yang Terdaftar Di BEI Periode 2019-2024 Kusmulyadi, Rafif Fazary; Susyani, Novi
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 4 (2025): Agustus - Oktober
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i4.1651

Abstract

Penelitian ini memiliki tujuan untuk menganalisis peran financial technology yang diukur melalui mobile banking dan internet banking terhadap profitabilitas yang diukur melalui return on assets (ROA). Dengan menggunakan teknik purposive sampling, dihasilkan 15 sampel yang sesuai dengan kriteria yang telah ditentukan dari total 47 populasi perusahaan yang terdaftar di BEI selama periode 2019-2024. Data pada penelitian ini didapat dari laporan keuangan perusahaan yang tersedia di situs resmi BEI. Penelitian ini merupakan penelitian statistik deskriptif yang menggunakan pendekatan kuantitatif untuk teknik analisis regresi linear berganda. Hasil yang diperoleh dari penelitian ini menunjukkan mobile banking berpengaruh positif terhadap return on assets, sedangkan internet banking tidak berpengaruh. Secara keseluruhan, mobile banking dan internet banking berpengaruh secara simultan terhadap return on assets. Implikasi dari temuan ini menunjukkan bahwa perusahaan perlu meningkatkan pemanfaatan mobile banking sebagai salah satu strategi digitalisasi untuk mendorong kinerja keuangan, khususnya profitabilitas. Selain itu, hasil ini juga dapat menjadi acuan bagi manajemen perusahaan dalam mengalokasikan investasi teknologi keuangan secara lebih efektif dan tepat sasaran.
Edukasi Lingkungan melalui Penyuluhan dan Praktik: Upaya Meningkatkan Kesadaran Pengelolaan Sampah di Curug Layung Ramli, Rosmini; Evangalista, Leni; Fardani S., Faisal; Rachmat, Aam; Susyani, Novi
Jurnal Dharma Bhakti Ekuitas Vol. 9 No. 2 (2025): Jurnal Dharma Bhakti Ekuitas
Publisher : Universitas Ekuitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/p3m.v9i2.911

Abstract

The purpose of this service is to increase public awareness in waste management in the Curug Layung tourist area through a community-based environmental education approach. The main problem faced is the high volume of waste due to lack of public awareness and the lack of waste management facilities. A participatory approach is used to involve local communities, visitors, and tourism managers in various stages, from problem identification to solution implementation. The methods used include direct education, simulation of waste management practices, and installation of supporting facilities, such as segregated waste bins in strategic locations. This activity includes providing educational materials on sorting organic and inorganic waste, recycling, and the negative impact of waste on the environment. In addition, practical simulations were conducted to provide hands-on experience to participants, including waste collection and sorting at tourist sites. Results showed a significant increase in participants' awareness and understanding of the importance of waste management. This can be seen from the participants' enthusiasm in discussions, practices, and active participation in keeping the environment clean. In addition to increased awareness, other outcomes include improved cleanliness of tourist sites with reduced volume of litter and increased visitor comfort. The program also strengthens cross-sector collaboration between local communities, tourism managers and academics. With this approach, environmental preservation and sustainability of tourist areas can be realized. This study recommends implementing a similar approach in other tourism areas with the integration of digital technology, such as hygiene reporting applications, to improve efficiency and educational coverage. In addition, a long-term evaluation is needed to ensure the sustainability of the program and its impact on the mindset and behavior of the community.  Keywords: Education, Environment and Waste,    Abstrak  Tujuan pengabdian ini untuk meningkatkan kesadaran masyarakat dalam pengelolaan sampah di kawasan wisata Curug Layung melalui pendekatan edukasi lingkungan berbasis komunitas. Masalah utama yang dihadapi adalah tingginya volume sampah akibat kurangnya kesadaran masyarakat dan minimnya fasilitas pengelolaan sampah. Pendekatan partisipatif digunakan untuk melibatkan masyarakat lokal, pengunjung, dan pengelola wisata dalam berbagai tahapan, mulai dari identifikasi masalah hingga implementasi solusi. Metode yang digunakan meliputi edukasi langsung, simulasi praktik pengelolaan sampah, dan pemasangan fasilitas pendukung, seperti tempat sampah terpilah di lokasi strategis.Kegiatan ini mencakup pemberian materi edukasi tentang pemilahan sampah organik dan anorganik, daur ulang, serta dampak negatif sampah terhadap lingkungan. Selain itu, simulasi praktik dilakukan untuk memberikan pengalaman langsung kepada peserta, termasuk pengumpulan dan pemilahan sampah di lokasi wisata. Hasil menunjukkan peningkatan signifikan dalam kesadaran dan pemahaman peserta tentang pentingnya pengelolaan sampah. Hal ini terlihat dari antusiasme peserta dalam diskusi, praktik, dan partisipasi aktif dalam menjaga kebersihan lingkungan. Selain peningkatan kesadaran, hasil lain mencakup perbaikan kebersihan lokasi wisata dengan berkurangnya volume sampah yang berserakan dan peningkatan kenyamanan pengunjung. Program ini juga memperkuat kolaborasi lintas sektor antara masyarakat lokal, pengelola wisata, dan akademisi. Dengan pendekatan ini, pelestarian lingkungan dan keberlanjutan kawasan wisata dapat terwujud. Pengabdian ini merekomendasikan penerapan pendekatan serupa di kawasan wisata lain dengan integrasi teknologi digital, seperti aplikasi pelaporan kebersihan, untuk meningkatkan efisiensi dan cakupan edukasi. Selain itu, diperlukan evaluasi jangka panjang untuk memastikan keberlanjutan program dan dampaknya terhadap pola pikir serta perilaku masyarakat. Kata kunci: Edukasi, Lingkungan, Sampah
PENGARUH CAPITAL ADEQUACY RATIO DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSET DENGAN NET INTEREST MARGIN SEBAGAI VARIABEL INTERVENING STUDI PADA PERUSAHAAN SUBSEKTOR PERBANKAN KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2018-2022 Afriani, Siti; Susyani, Novi
Equilibrium : Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Vol 13, No 1 (2024): April
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/equili.v13i1.1899

Abstract

ABSTRAK Pelrtulmbulhan elkonomi di Indonelsia sellama lima tahuln telrakhir melnjadi fokuls ultama pelmelrintah. Di karelnakan Indonelsia seldang melngalami prosels pelmullihan pasca pandelmi COVID-19. Pelrtulmbulhan elkonomi telrselbult bisa dilihat dari pelrtulmbulhan PDB. Penelitian ini bertujuan untuk menguji signifikansi pengaruh capital adequacy ratio dan biaya operasional pendapatan operasional terhadap return on assset dengan net interest margin sebagai variabel intervening pada perusahaan sub sektor perbankan konvensional yang terdaftar di Bursa Efek Indonesia periode 2018-2022. Pengambilan sampel menggunakan teknik purposive sampling dan menghasilkan sampel sebanyak 33 perusahaan. Teknik analisis yang digunakan adalah teknik analisis jalur menggunakan e-views 12. Hasil penelitian menunjukkan bahwa capital adequacy ratio tidak berpengaruh terhadap net interest margin. Biaya operasional pendapatan operasional berpengaruh negatif terhadap net interest margin. capital adequacy ratio tidak berpengaruh terhadap return on asset. biaya operasional pendapatan operasional berpengaruh terhadap return on asset. Dalam penelitian ini juga menunjukkan bahwa net interest margin dapat memediasi capital adequavy ratio biaya operasional pendapatan operasional terhadap return on asset.Kata Kunci: CAR, BOPO, NIM, ROAABSTRACTEconomic development in Indonesia during the last five years has become the main focus of the government. This is because Indonesia is currently experiencing a recovery process after the COVID-19 pandemic. The economic recovery can be seen from the GDP growth. This research aims to test the significance of the influence of capital adequacy ratio and operational costs on operational income on return on assets with net interest margin as an intervening variable in conventional banking sub-sector companies listed on the Indonesia Stock Exchange for the 2018-2022 period. Sampling used purposive sampling technique and resulted in a sample of 33 companies. The analysis technique used is the path analysis technique using e-views 12. The research results show that the capital adequacy ratio has no effect on the net interest margin. Operating costs operating income have a negative effect on net interest margin. The capital adequacy ratio has no effect on return on assets. operational costs operational income influence return on assets. This research also shows that net interest margin can mediate the capital adequacy ratio of operational costs, operational income to return on assets.Keywords: CAR, BOPO, NIM, ROA
The Impact of Board Diversity on Sustainability Finance: The Mediating Role of Green Intellectual Capital in Indonesian Manufacturing Firms Kustinah, Siti; Susyani, Novi; Marlina
Journal of Islamic Economics and Business Vol. 5 No. 1 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research examines the influence of board diversity on sustainability finance with green intellectual capital as a mediating variable. This topic is important because it supports companies' efforts to achieve sustainable development goals (SDGs) through a financial approach that considers environmental and social aspects. The main issue being examined is whether board diversity affects sustainable finance, and whether green intellectual capital can mediate that relationship. This research offers a new contribution by integrating three main concepts board diversity, green intellectual capital, and sustainability finance within the context of manufacturing companies in Indonesia, which have not been simultaneously studied in the previous literature. This research uses a quantitative method with a verification approach. The sample consists of 20 manufacturing companies purposively selected from the IDX for the period 2018–2022. Data analysis was conducted using Partial Least Square (PLS). The results show that board diversity has a significant negative impact on green intellectual capital, but does not have a significant impact on sustainability finance. GIC also does not mediate that relationship. The diversity of the board needs to be managed strategically to avoid conflicts that could hinder the company's sustainable financial performance.