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All Journal KEUNIS Indonesian Journal of Banking and Financial Technology (FINTECH)

R. Gunawan Setianegara

Politeknik Negeri Semarang

Author-ID : 3129121

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS PENGARUH PERSEPSI MANFAAT, PERSEPSI KEMUDAHAN, DAN KEAMANAN TERHADAP MINAT NASABAH MENGGUNAKAN MOBILE BANKING (Studi Kasus pada PT Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Semarang Pandanaran) Margaretha Oktavia Pranoto; R. Gunawan Setianegara
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research is motivated by the phenomenon of competition in the banking industry in increasing customers interest in using mobile banking. This research aims to analyze the perceived usefulness, perceived ease of use, and security on the interest in using mobile banking at the PT Bank Rakyat Indonesia (Persero) Tbk Branch Office Semarang Pandanaran.The purpose of this study is to describe and analyze the influence customer perceptions of the interest in using mobile banking. This research uses explanatory (explanation) with a quantitative approach, in which customers of Bank Rakyat Indonesia (BRI) branch Semarang Pandanaran as a population, whereas samples taken by 100 respondents were determined by specific criteria. Research results with the t test showed that the variable perceived of usefulness, perceived ease of use and security separately (partial) significantly affects the interest in using mobile banking. Test results also showed that the variables of perceived usefulness, perceived ease of use, and security jointly (simultaneously) significantly affects the interest in using mobile banking. The magnitude of the effect of variable perception of usefulness, perceived ease of use, and security against the interest in using mobile banking is equal to 76.5%, while the rest influenced by other variables that are not addressed in this study.

ANALISIS PENGARUH NIM, BOPO, LDR, DAN NPL TERHADAP PROFITABILITAS (Studi Kasus Pada Bank Umum Yang Listed Di Bursa Efek Indonesia Periode 2014-2018) Wulandari Danu Lestari; R. Gunawan Setianegara
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research aims to determine the effect of Net Interest Margin (NIM), Operation Expenses to Operations Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) toward Profitability (Case Study on the Commercial Banks that Listed in Indonesia Stock Exchange period 2014-2018).In this research the sampling technique used was purposive sampling technique and managed to obtained 13 banks. Secondary data used were obtained from financial reports published from the official website of the Otoritas Jasa Keuangan (OJK). Methods of data analysis used in this study is the analysis of multiple linear regression with a level of significance of 5%.The results showed that the variables NIM, BOPO, LDR, and NPL simultaneously have significant effect to Profitability. Based on the t-test results it can be concluded that the variables NIM and BOPO have significant effect while LDR, and NPL have not significant effect to Profitability. The results obtained by multiple linear regression analysis Adjusted R2 of 0.976, this shows that the contribution of independent variables in explaining the dependent variable is 97,6% and the remaining is explained by other variables that are not examined.

ANALISIS PENILAIAN TINGKAT KESEHATAN BANK DENGAN METODE RISK BASED BANK RATING PADA PT BANK DANAMON INDONESIA, Tbk PERIODE 2014-2017 Ardiani Hayumurti; R. Gunawan Setianegara
KEUNIS Vol 7, No 2 (2019): JULI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research is conducted to identify the bank health rating of PT Bank Danamon Indonesia, Tbk one private bank in Indonesia in the period of 2014-2017 using the Risk Based Bank Rating (RBBR) method whether the bank is classified into one of the 5 categories: very healthy, healthy, healthy enough, not healthy enough, and unhealthy. Risk Based Bank Rating (RBBR) method is used to assess the health rating of bank based on 3 factors, i.e. Risk Profile, Earning, and Capital. This assessment with RBBR Method is done based on SEOJK Number14/SEOJK.03/2017 about the health assessment of conventional banks. The result of this research shows that: first, based on the credit risk aspect, the credit risk is low to moderate. Second, based on the liquidity risk aspect, the liquidity risk is healthy enough. Third, based on the remunerativeness seen by ROA and NIM ratio, the profitability is very adequate. Fourth, based on capital seen by KPMM or CAR ratio, the capital is very adequate

Co-Authors Ardiani Hayumurti Embun Duriany Soemarso Margaretha Oktavia Pranoto Nurseto Adhi Sri Widiyati, Sri Winarni Wulandari Danu Lestari

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