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All Journal Jurnal Pekommas AFRE Accounting Financial Review International Journal of Economics, Business and Accounting Research (IJEBAR) JIEB : Jurnal Ilmiah Ekonomi Bisnis
Grahita Chandrarin
Universitas Merdeka Malang
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Other

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Structural Model to Predict Satisfaction and Performance Users of SIKD at Government Organizations in South Kalimantan Riswan Yudhi Fahrianta; Grahita Chandrarin; Edi Subiyantoro
Jurnal Pekommas Vol 6, No 1 (2021): April 2021
Publisher : BBPSDMP KOMINFO MAKASSAR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30818/jpkm.2021.2060102

Abstract

The successful adoption of ICT by local governments still requires evaluation because of several issues related to the use and utilization of the SIKD. The variety of SIKD applications, limited server, and network capacity, limited human resource personnel, and lack of technical guidance because regulatory changes put pressure on user satisfaction and performance. Academic evaluation of SIKD adoption from the user's perspective is needed to explore advanced concepts of e-government development. The research model was analyzed with the Partial Least Square (SEM-PLS) approach. The results showed the perceived usefulness, perceived ease of use, subjective norms, and facilitating conditions influenced user satisfaction and subsequently, user satisfaction affected user performance. The conceptual framework tested in this study was able to show that under conditions of ICT mandatory use by organizations, behavioral beliefs influence user satisfaction and have an important impact on user performance.
PENGARUH CAPITAL ADEQUACY DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET: STUDI PADA BANK BPR DI INDONESIA Sri Suriyani; Grahita Chandrarin; Junianto Tjahyo Darsono
Jurnal Ilmiah Ekonomi Bisnis Vol 5 No 3 (2019): JURNAL ILMIAH EKONOMI BISNIS
Publisher : Jurnal Ilmu Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (306.15 KB) | DOI: 10.35972/jieb.v5i3.286

Abstract

Profitability is bank performance indicator that effort in certain time. Profitability is known by Return On Asset (ROA). Return On Asset (ROA) is influenced by   Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR). To improve  the influence Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) need the research. This research uses quantitative method. The population is all the BPR in  Indonesia. The population are consist of 100 BPR. Technique of sampling is used census. This research sample is 100 BPR. The data collection technique is questioner. Data is analyzed by linear regression.The results of this research shows that Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) have influence significantly to the Return On Asset (ROA). Capital Adequacy Ratio (CAR) has not influence significantly to the Return On Asset (ROA). Loan to Deposit Ratio (LDR) have influence significantly to the Return On Asset (ROA).Loan to Deposit Ratio (LDR) is more dominant variable than Capital Adequacy Ratio (CAR) influences Return On Asset (ROA). So may the bank need to improve the Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) because these variables have influence significantly to Return On Asset (ROA).
Bank Size, Risk and Market Discipline with A Deposit Insurance: Evidence of Banking in Indonesia Sugeng Haryanto; Grahita Chandrarin; Yanuar Bachtiar
AFRE (Accounting and Financial Review) Vol 2, No 2 (2019): December
Publisher : Postgraduate Program Merdeka University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/afr.v2i2.3717

Abstract

The Indonesian banking system has implemented a deposit guarantee. Deposit guarantees are carried out in order to provide a sense of security for customers. Moral hazard tends to be higher in the banking industry This study aims to examine the relationship of bank characteristics with market discipline. Bank characteristics include: capital, bank risk, profitability, efficiency and bank size. The population in this study is banks in Indonesia. The sample selection uses a purposive sampling method. The number of samples of 30 banks with peroide 2009-2015. Data analysis techniques used multiple linear regression. The results showed the profitability and size of the bank affect market discipline. Where profitability and bank size have a positive effect on market discipline. This research has implications for the importance of banks in increasing bank assets, especially for private banks. DOI: https://doi.org/10.26905/afr.v2i2.3717
Moderation of Non Performing Financing on Natural Uncertainty Contracts To The Profitability of Islamic Commercial Bank In Indonesia Taudlikhul Afkar; Grahita Chandrarin; Lilik Pirmaningsih
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 4, No 02 (2020): IJEBAR, VOL. 04 ISSUE 02, JUNE 2020
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v4i02.1051

Abstract

This study intends to provide an overview of the consistency of research results with theoretical and empirical points of view, it is done because many research results are inconsistent with the theory. Quantitative research methods are used to make generalizations using a sample of 14 Islamic Commercial Banks in Indonesia with time series data collection techniques for 5 years. The data analysis technique used is multivariate analysis using the Warp PLS structural equation model. The results showed that the level of profitability of Islamic banks is always overshadowed by the occurrence of credit risk that causes non-performing financing from financing of the type of natural uncertainty contracts because it is type of financing is a financing that does not provide certainty of results. The results of this study are consistent with agency theory that explains the existence of information asymmetry, and consistent with the theory of mixing that by providing opportunities to manage business to business managers (mudharib/mustyarik) without interference from the owner of the fund (shaibul maal) can lead to the risk of default and thus affect the ability of Islamic banks to obtain profitability.
Co-Authors Edi Subiyantoro Fahrianta, Riswan Yudhi Junianto Tjahyo Darsono Lilik Pirmaningsih Sri Suriyani Sugeng Haryanto Taudlikhul Afkar Yanuar Bachtiar