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Pengaruh Dana Pihak Ketiga dan Kinerja Perbankan Nasional terhadap Penerbitan Indonesia Government Securities Batara Maju Simatupang
Matrik : Jurnal Manajemen, Strategi Bisnis, dan Kewirausahaan Volume 14 Nomor 1 Tahun 2020
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (381.009 KB) | DOI: 10.24843/MATRIK:JMBK.2020.v14.i01.p09

Abstract

Tujuan studi secara kuantitatif ini untuk mengetahui pengaruh dari penerbitan Indonesia Government Securities (IGS) terhadap dana pihak ketiga (TPF) dan pengaruhnya terhadap kinerja perbankan nasional. Teknik analisis data yang digunakan adalah regressi berganda dengan variabel tergantung jumlah outstanding IGS (OSIGS) dan kinerja perbankan nasional. Variabel bebas dari kinerja perbankan nasional terdiri rasio kecukupan modal (CAR), rasio imbal-balik aset (ROA), biaya operasional terhadap pendapatan operasional (OEOI/BOPO), rasio bagian pendapatan bersih (NIM), dan rasio pinjaman terhadap dana (LDR). Periode data penelitian dimulai dari tahun 2007S1-2016S1 dengan data konsolidasi kinerja perbankan nasional dari seluruh jumlah bank umum ( commercial bank) sebanyak 118 bank. Hasil penelitian ini mendapatkan bahwa: (1) TFP dan CAR berpengaruh negatif terhadap kenaikan outstanding IGS; (2) LDR tetap bertumbuh kendati kenaikan outstanding IGS meningkat; dan (3) ROA, OEOI dan NIM tidak mempengaruhi pertumbuhan oustanding IGS. Implikasinya terhadap dana pihak ketiga secara langsung berhadapan dengan pemerintah dalam penghimpunan dana melalui penerbitan IGS.
The Effect of Expectation Confirmation and Perceived Usefulness on Continuance Intention of QRIS Mobile Banking Users: The Mediating Role of Customer Satisfaction Rizka Alfiyaturrohmah; Mahelan Prabantarikso; Batara Maju Simatupang; Nuri Wulandari
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/cxga0q84

Abstract

This research aims to test the influence of expectation confirmation and perceived usefulness on the continuance intention of QRIS mobile banking users mediated by customer satisfaction. The sample in this study were banking customers who were recorded as actively using QRIS services spread including Jakarta, West Java and East Java involving 300 respondents. The analysis technique used Structural Equation Modelling – Partial Least Squares analysis. The results of the research obtained: perceived usefulness, expectation confirmation, and customer satisfaction has a significant effect on continuance intention; expectation confirmation has an effect on customer satisfaction; and gender demographic factors (control variables) have a significant effect on continuance intention, whereas age and income factors are not significant. The managerial implication is that banking service providers in Indonesia can continue to innovate and develop QRIS, which is not only the development of QRIS MPM, QRIS CPM, and QRIS TTS, but can also answer business challenges and customer needs for QRIS mobile banking services that enable customers to conduct digital financial transactions across countries.
When Digital Transformation Fails: Evidence from Rural Banking and the Rise of Compliance-Driven Digitalization Monang Siringoringo; Batara Maju Simatupang; Bambang Budhijana; Antyo Pracoyo
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/e18bhw08

Abstract

Digital transformation is widely regarded as a key driver of competitiveness and governance in the banking sector. However, empirical evidence from smaller financial institutions remains inconsistent. This study investigates why digital transformation fails to improve governance and competitiveness in rural banking institutions (BPR/BPRS). Drawing on the Resource-Based View (RBV), Dynamic Capability Theory, and Institutional Theory, digital transformation is conceptualized as a multidimensional construct comprising core banking systems, integrated channeling systems, and reporting systems (Bharadwaj et al., 2013; Verhoef et al., 2021). Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the findings reveal that digital transformation does not significantly influence governance or competitiveness. Furthermore, human capital does not moderate these relationships. These findings challenge the dominant assumption that digitalization inherently enhances organizational performance (Vial, 2019). Instead, this study introduces the concept of compliance-driven digitalization, where technology adoption is driven by regulatory pressure rather than strategic intent. This study contributes by providing a failure-based explanation of digital transformation in emerging financial systems.
Pengaruh Transformasi Digital, Kompetensi Digital, Reskilling Dan Budaya Digital Terhadap Kinerja Karyawan (Studi Pada Bank Tabungan Negara Cabang Jayapura) Simson Hendrick Karubaba; Batara Maju Simatupang; R. Bambang Budhijana; Antyo Pracoyo
KALBISOCIO Jurnal Bisnis dan Komunikasi Vol. 13 No. 1 (2026): KALBISOCIO Jurnal Bisnis dan Komunikasi
Publisher : Research and Community Service UNIVERSITAS KALBIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53008/r3cnn753

Abstract

Abstract: This study aims to analyze the variables that influence employee performance at PT Bank Tabungan Negara (Persero) Tbk, Jayapura branch. The endogenous variables used in this study are employee performance, while the endogenous variables are Digital Transformation, Digital Competence, Reskilling, and Digital Culture. This study used a sample of 82 respondents who were permanent employees at the company. The analytical method used in this study was quantitative data analysis. The data processing technique used in this study was Structural Equation Modeling using the SmartPLS 4.0 application. The results of this study indicate that the variables Digital Transformation, Digital Competence, and Digital Culture have a positive effect on employee performance, while the results for the Reskilling variable have no effect on employee performance.  Keywords: Digital Transformation, Digital Competence, Reskilling, Digital Culture and Employee Performance.   Abstrak : Penelitian Penelitian ini bertujuan untuk menganalisis variabel-variabel yang mempunyai pengaruh terhadap kinerja karyawan pada PT Bank Tabungan Negara (Persero) Tbk cabang Jayapura. Variabel endogen yang digunakan dalam penelitian ini adalah kinerja karyawan dan variabel endogen menggunakan Transformasi Digital, Kompetensi Digital, Reskilling dan Budaya Digital. Penelitian ini menggunakan jumlah sampel sebanyak 82 responden yang merupakan karyawan tetap pada perusahaan. Metode analisis yang digunakan didalam penelitian ini adalah menggunakan metode analisis data kuantitatif. Teknik pengolahan data yang digunakan pada penelitian ini adalah dengan metode Struktur Equation Modelling menggunakan aplikasi SmartPLS 4.0. Hasil dari penelitian ini menunjukkan bahwa variabel Transformasi Digital, Kompetensi Digital dan Budaya Digital berpengaruh secara positif terhadap kinerja karyawan, sedangkan hasil pada variabel Reskilling tidak berpengaruh terhadap kinerja karyawan.