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All Journal Prosiding PESAT JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Jurnal Pengabdian Kepada Masyarakat Darma Saskara
Beny Susanti
Jurusan Akuntansi, Fakultas Ekonomi, Universitas Gundarma
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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PENGARUH NON PERFORMING LOAN CAPITAL ADEQUACY RATIO DAN DANA PIHAK KETIGA TERHADAP PENYALURAN KREDIT PADA PT. BANK CENTRAL ASIA, Tbk Pujiati, Desi; Ancela, Maria; Susanti, Beny; Mujiyani, Mujiyani
Prosiding PESAT Vol 5 (2013)
Publisher : Prosiding PESAT

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Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Non Performing Loan(NPL), Capital Adequacy Ratio (CAR), dan Dana Pihak Ketiga (DPK) terhadappenyaluran kredit pada PT. Bank Central Asia Tbk periode 2005-2012.Metode analisisyang digunakan adalah pengukuran rasio yang terdiri dari Loan to Deposit Ratio(LDR), Capital Adequacy Ratio (CAR), dan Return On Equity (ROE) denganmenggunakan uji analisis regresi berganda dengan alat bantu SPSS Versi 17.Penelitian ini menunjukkan bahwa PT. Bank Central Asia , Tbk hasil pengujian secaraparsial menunjukkan Non Performing Loan (NPL) dan Capital Adequacy Ratio (CAR)tidak berpengaruh signifikan terhadap penyaluran kredit. Sedangkan Dana PihakKetiga (DPK) berpengaruh signifikan terhadap penyaluran kredit pada PT. BankCentral Asia, Tbk
OPTIMALKAN PERTUMBUHAN UMKM: PENDAMPINGAN TEKNOLOGI DAN MANAJEMEN DI KOTA DEPOK Susanti, Beny; Sugiharto, Toto; Haryanti, Dwi Asih; Marina, Nola
Jurnal Pengabdian Kepada Masyarakat Darma Saskara Vol 2, No 2 (2022)
Publisher : Jurnal Pengabdian Kepada Masyarakat Darma Saskara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/abdimasug.2022.v2i2.10011

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) adalah tulang punggung ekonomi nasional, tetapi pandemi COVID-19 telah menghantamnya dengan keras. Pembatasan mobilitas menyebabkan penurunan penjualan dan pendapatan UMKM. Salah satu solusi adalah memasarkan produk secara digital, namun banyak UMKM belum terampil dalam hal ini. Dibutuhkan dorongan digitalisasi UMKM dan peningkatan kualitas SDM. Untuk mengatasi masalah ini, Universitas Gunadarma menyelenggarakan program pengabdian kepada masyarakat di Depok dari Oktober 2021 hingga Januari 2022. Program ini menyasar pelayanan kepada UMKM yang ingin bertahan dan berkembang di era pandemi, dengan memanfaatkan teknologi. UMKM didorong untuk meningkatkan nilai tambah usaha mereka melalui pembuatan media pemasaran online dan laporan keuangan. Kegiatan ini melibatkan koordinasi mitra, pendataan kebutuhan UMKM, persiapan layanan, dan pendampingan 38 UMKM di Depok.
Determinants Of Quick Response Code Indonesian Standard As Digital Payment Technology On Behavior Intention Hadmar, A Yaumil Mahsyar; Susanti, Beny
Journal of Business and Economics Research (JBE) Vol 6 No 1 (2025): February 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v6i1.6878

Abstract

The rapid growth of digital payments in Indonesia is marked by the increasing popularity of the Quick Response Code Indonesian Standard (QRIS). Generation Z, as a demographic group highly familiar with digital technology, plays a significant role in driving the adoption of QRIS. This study aims to identify the factors influencing Generation Z's intention to use QRIS as a digital payment method in Indonesia. Using the UTAUT2 model, this study analyzes the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit on behavior intention. Data was collected through an online questionnaire from 100 Generation Z respondents. Data analysis methods used include instrument testing, classical assumption testing, multiple linear regression, hypothesis testing, and coefficient of determination. The results showed that performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit have a partial and simultaneous influence on behavior intention. The findings of this study have important implications for businesses and policymakers in promoting the adoption of QRIS among the younger generation.
Co-Authors Desi Pujiati, Desi Dwi Asih Haryanti Hadmar, A Yaumil Mahsyar Maria Ancela, Maria Mujiyani Mujiyani, Mujiyani Nola Marina Toto Sugiharto