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Journal : YUME : Journal of Management

Product Knowledge Analysis of Mobile Banking on the Use of Mobile Banking and Saving Behavior Mallombasang, Andi Dewi Aulia; Ismail, Muhamad; Dewi, Andi Ratna Sari
YUME : Journal of Management Vol 3, No 3 (2020)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2568/yum.v3i3.770

Abstract

This study aims to find out the influence of product knowledge on the utilization of mobile banking and saving behavior on millennial customers of PT Bank Negara Indonesia Makassar Region either directly or indirectly. This research is a quantitative research using questionnaires, interviews, documentation and observations to collect data related to variables that have been determined and then processed using the help of SmartPLS 3.2.8 software. The results of the study found that product Knowledge variables partially affect the positive and significant effect on mobile banking in millennial customers of PT Bank Negara Indonesia Makassar Region. Then the product knowledge variable partially affects the positive and significant effect on saving behavior at PT Bank Negara Indonesia Makassar Region. Then mobile banking variables partially affect the positive and insignificant effect on the behavior of saving in millennial customers of PT Bank Negara Indonesia Makassar Region and lastly product knowledge variables have a positive and insignificant effect on saving behavior if through the use of mobile banking on millennial customers of PT Bank Negara Indonesia Region.
Faktor-Faktor Yang Memengaruhi Return Sekuritas Sektor Pertambangan dengan Menggunakan Pengujian The Arbitrage Pricing Model (APT) Andi Ratna Sari Dewi
YUME : Journal of Management Vol 5, No 3 (2022)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v5i3.2757

Abstract

AbstrakInvestasi merupakan komitmen untuk saving sejumlah besar money dengan goals untuk memperoleh keuntungan di masa depan. APT menggunakan asumsi dan prosedur yang berbeda dengan memperkirakan return harapan dari suatu sekuritas dengan menggambarkan hubungan antara risiko dan return, Berbeda dengan CAPM, APT tidak dipengaruhi portofolio pasar.  Arbitrage Pricing Theory (APT) yaitu sebuah model keseimbangan alternatif yang lebih kompleks dibanding CAPM, karena menggunakan banyak variabel pengukur resiko untuk melihat hubungan risiko dan return.  Metode yang digunakan adalah studi peristiwa (event study), dimana event study merupakan salah satu metode penelitian yang sering digunakan sebagai alat penelitian di bidang pasar modal dan keuangan. Adapun hasilnya, Return bebas risikonya, Emiten ENGR = E(Ri) > Rf, Emiten ARTI = E(Ri) < Rf dan Emiten ELSA = E(Ri) > Rf. Dapat dilihat bahwa Saham ENRG dan ELSA dapat diperhitungkan untuk di beli karena expected returnnyalebih besar daripada Risk Freenya. Tetapi tidak hanya dilihat dari faktor ini saja ada beberapa faktor lain untuk menentukkan pembelian saham. Kata Kunci: Arbitrage Pricing Theory; Expected Return; IHSG.AbstractInvestment is a commitment to save a large amount of money from obtaining future profits. APT uses different assumptions and procedures to estimate the expected return of security by describing the relationship between risk and return. Unlike the CAPM, APT is not influenced by the market portfolio. Arbitrage Pricing Theory (APT) is an alternative balance model that is more complex than the CAPM because it uses many risk-measuring variables to see the relationship between risk and return. The method used is an event study, where event study is a research method that is often used as a research tool in capital markets and finance. As for the results, Return is risk-free, Issuer ENGR = E(Ri) > Rf, Issuer ARTI = E(Ri) < Rf, and Issuer ELSA = E(Ri) > Rf. It can be seen that ENRG and ELSA shares can be considered for purchase because the expected return is greater than the risk-free ones. But not only seen from this factor but also several other factors that determine the purchase of shares. Keywords: Arbitrage Pricing Theory; Expected Return; IHSG.
Pengaruh Penerapan Good Corporate Governance dan Corporate Social Responsibility terhadap Nilai Perusahaan dengan Kinerja Keuangan sebagai Variabel Moderasi Faqih, Adnan; Laba, ABD. Rakhman; Dewi, Andi Ratna Sari
YUME : Journal of Management Vol 7, No 3 (2024)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v7i3.7371

Abstract

Nilai perusahaan adalah ukuran penting yang digunakan untuk mengevaluasi keuangan perusahaan secara keseluruhan. Penelitian ini dilakukan untuk menganalisis pengaruh Good Corporate Governance (Komite Audit, Dewan Komisaris Independen, kepemilikan institusional) sebagai faktor yang mempengaruhi nilai perusahaan kemudian melihat peran Kinerja Keuangan dalam memoderasi. Data dikumpulkan dari laporan keuangan tahunan perusahaan sektor industri dasar dan kimia tahun 2023 yang berjumlah 73 perusahaan, dengan menggunakan data pada situs resmi BEI (www.idx.co.id), (www.finance.yahoo.com), dan situs resmi masing-masing perusahaan. Data dianalisis dengan menggunakan aplikasi Statistical Package for the Social Sciences (27) dalam bentuk regresi linear berganda dan regresi moderasi dengan pendekatan kuantitatif. Hasil penelitian menunjukkan bahwa komite audit tidak berpengaruh terhadap nilai perusahaan, sedangkan dewan komisaris independen, kepemilikan institusional, dan corporate social responsibility berpengaruh positif terhadap nilai perusahaan, dan kinerja keuangan mampu memoderasi pengaruh dewan komisaris independen dan corporate social responsibility terhadap nilai perusahaan. Namun, kinerja keuangan tidak memoderasi pengaruh komite audit dan kepemilikan institusional terhadap nilai perusahaan. Kata kunci : nilai perusahaan, good corporate governance, corporate social responsibility, kinerja keuangan
The Influence of Risk Management Policies, Risk Management Procedures on Credit Risk Levels Through Risk Management Limits (Case Study of Banks Credit in the South Sulawesi Province Region) Mulyana, Mulyana; Sobarsyah, Sobarsyah; Dewi, Andi Ratna Sari
YUME : Journal of Management Vol 6, No 2 (2023)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v7i2.6577

Abstract

Analysis of risk management policies, procedures, and limits on setting risk management limits, analysis of how these factors affect the degree of credit risk in BPRs, and analysis of how these factors affect the level of credit risk through risk management limits at BPRs in the South Sulawesi Province Region are the main objectives of this research. In order to accomplish this goal, a sample of 150 respondents management, executive officers, and staff members of rural banks in the South Sulawesi Province region were used. Data analysis techniques using SEM-Amos and questionnaires were used to collect the data. The study's findings demonstrate that risk management practices and rules actually affect how management boundaries are created. The degree of credit risk is then significantly impacted by risk management policies and practices. The degree of credit risk can be significantly impacted by the management limit settings. The mediation test's findings indicate that imposing risk management limitations can moderate the impact of risk management guidelines and practices on the degree of credit risk in BPRs in the province of South Sulawesi. Keywords: Risk management policy, risk management procedures, setting risk management limits and credit risk levels.