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All Journal Jurnal Mirai Management YUME : Journal of Management Movere Journal Jurnal Manajemen Perbankan Keuangan Nitro Jurnal Sains Manajemen  Nitro Paradoks : Jurnal Ilmu Ekonomi JURSIMA Jurnal Sistem Informasi dan Manajemen Advances in Management & Financial Reporting
Nuraeni Saeni
IBK Nitro Makassar
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Social Sciences

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Journal : Movere Journal

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Pengaruh Persepsi Kemanfaatan, Persepsi Kemudahan, Persepsi Kepercayaan Dan Persepsi Risiko Terhadap Minat Mahasiswa Dalam Penggunaan Internet Banking Pada PT Bank BNI KCU Mattoangin Makassar Husni, M. Fahrul; Nurdin, Maryam; Saeni, Nuraeni; Krisnanto, Budhi; HS, Elsa Mayuri
Movere Journal Vol. 6 No. 2 (2024)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v6i2.479

Abstract

This study aims to determine the effect of perceived usefulness, perceived ease of use, perceived trust and perceived risk on student interest in PT Bank Negara Indonesia (Persero) Tbk. KCU Mattoangin Makassar. The analysis method used in this research is quantitative descriptive analysis method. The analytical tool used is multiple linear regression with the IBM SPSS Version 25.0 tool. From the proposed hypothesis test, the partial test research results show a positive and significant value for perceived usefulness, perceived convenience, perceived trust that it affects student interest in using mobile banking while perceived risk shows a negative and significant value. Simultaneously, the effect of perceived benefits, perceived convenience, perceived trust and perceived risk has a significant effect on customer interest and the R square value of 0.388 or 38.8% of the independent variable explains the dependent variable.
Efek Penyangga Modal Terhadap Transmisi Kebijakan Moneter Pada Kredit Perbankan Indonesia Baharuddin, Baharuddin; Fungky Muchsidin, Feronica; A.We Tenri Fatimah Singkeruang; Nuraeni Saeni
Movere Journal Vol. 8 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v8i1.747

Abstract

This study aims to analyse the determinants and dynamics of Indonesian bank credit growth after the pandemic, focusing on monetary-policy transmission and the moderating role of capital buffer. Using an explanatory quantitative approach, quarterly panel data of 47 commercial banks (Q12020 – Q22025) were estimated with two-step System Generalized Method of Moments (System-GMM). Results show that credit growth exhibits negative dynamic persistence, capital buffer has a significant positive effect, while profitability and macroeconomic variables are insignificant. The central finding is a significantly negative interaction between capital buffer and the BI Rate, validating a capital-hoarding mechanism: well-capitalised banks restrain credit expansion when the policy rate rises. The results are robust to alternative specifications and instrument-validity tests. The study contributes a “Conditional Bank Lending” framework and recommends a dual-speed monetary transmission approach and a more responsive countercyclical capital buffer.
Co-Authors A. We Tenri Fatimah Singkeruang A.We Tenri Fatimah Singkeruang Apriliani P, Pretty Margarethe Baharuddin Baharuddin Fatimah S, A. We Tenri Feronica Pungky Muchsidin Fungky Muchsidin, Feronica hendriadi yusuf HS, Elsa Mayuri Ibrahim Bazergan Ibrahim Bazergan Indah Permata Sari Kausar, Al Krisnanto, Budhi Lawalata, Izaac L.D M. Fahrul Husni Maryam Nurdin Maryam Nurdin, Maryam Mattarima Mattarima Megawaty Megawaty Megawaty Mozes Haryanto Baottong Muchsidin, Feronica Fungky Muchsidin, Feronica Pungky Nur Aida Nur Aida, Nur Paris Dauda Paris Dauda Pretty Margarethe Apriliani P Ramlah Ramlah Ramlah Sari M, Fitri Indah Susanto, Setya Ega Taufiq, Muhammad Imam Verawaty Verawaty