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All Journal Jurnal Bisnis dan Ekonomi Economic Journal of Emerging Markets Jurnal Keuangan dan Perbankan JDM (Jurnal Dinamika Manajemen) Journal of Economics, Business, & Accountancy Ventura Jurnal Manajemen Atma Jaya Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura MODUS-Jurnal Ekonomi dan Bisnis Jurnal Ekonomi dan Bisnis Jurnal Riset Akuntansi dan Keuangan AFRE Accounting Financial Review Jurnal Organisasi Dan Manajemen JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Performance MABIS: Manajemen dan Bisnis Jurnal Proaksi Jurnal Riset Akuntansi Politala Reviu Akuntansi dan Bisnis Indonesia ASSET: Jurnal Manajemen dan Bisnis Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Perspektif Akuntansi Jurnal Penelitian Transformatif: Ekonomi, Bisnis dan Kewirausahaan Majalah Ilmiah METHODA IDEI: JURNAL EKONOMI & BISNIS
Apriani Dorkas Rambu Atahau
Universitas Kristen Satya Wacana
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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DIGITAL BANKING DAN RISIKO OPERASIONAL (STUDI KASUS PADA NASABAH BANK CENTRAL ASIA DAN BANK RAKYAT INDONESIA) Rizki Hartanto Tanic; Apriani Dorkas Rambu Atahau
IDEI: Jurnal Ekonomi & Bisnis (IDEI: Journal of Economics & Business) Vol 2 No 1 (2021): JUNE 2021
Publisher : Insan Doktor Ekonomi Indonesia (IDEI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38076/ideijeb.v2i1.55

Abstract

Along with the development of the internet which has followed the rapid advances in technological development, people need fast and efficient payments due to the increasing number of financial transactions. Internet banking is one of the digital banking of the bank products that facilitate financial transactions. However, the use of internet banking cannot be separated from operational risks that will occur. As one of bank risks, operational risk plays an important role toward the im-plementation of digital banking. Hence, it is important to study the customer percep-tion on banks operational risk in providing digital banking services. The population in the study were customers of Bank Central Asia and Bank Rakyat Indonesia who used internet banking services. The samples taken in this study were 100 respon-dents from Bank Central Asia and 100 respondents from Bank Rakyat Indonesia in the area and the technique used was purposive sampling. The analysis technique used is quantitative descriptive analysis. This analysis included the average differ-ence test, validity test, and reliability test. It was processed using the SPSS program version 20. The findings showed that both banks had low operational risks according to their surveyed customers. Although BCA was perceived to have lower operational risks than BRI, some areas such as system risks needed more attention. Seiring dengan perkembangan internet yang mengikuti pesatnya kemajuan teknologi, masyarakat membutuhkan pembayaran yang cepat dan efisien karena semakin banyaknya transaksi keuangan. Internet banking merupakan salah satu produk bank digital banking yang memfasilitasi transaksi keuangan. Namun penggunaan internet banking tidak lepas dari risiko operasional yang akan terjadi. Sebagai salah satu risiko bank, risiko operasional memegang peranan penting dalam penerapan digital banking. Oleh karena itu, penting untuk mempelajari persepsi nasabah terhadap risiko operasional bank dalam memberikan layanan perbankan digital. Populasi dalam penelitian ini adalah nasabah Bank Central Asia (BCA) dan Bank Rakyat Indonesia (BRI) yang menggunakan layanan internet banking. Sampel yang diambil dalam penelitian ini adalah 100 responden dari Bank Central Asia dan 100 responden dari Bank Rakyat Indonesia di wilayah tersebut dan teknik yang digunakan adalah purposive sampling. Teknik analisis yang digunakan adalah analisis deskriptif kuantitatif. Analisis ini meliputi uji beda rata-rata, uji validitas, dan uji reliabilitas. Diproses menggunakan program SPSS versi 20. Temuan menunjukkan bahwa kedua bank memiliki risiko operasional yang rendah menurut nasabah yang disurvei. Meskipun BCA dinilai memiliki risiko operasional yang lebih rendah dibandingkan BRI, namun beberapa area seperti risiko sistem perlu mendapat perhatian lebih.
Credit Decision Using Pay Later: The Role of Consumptive Behavior and Financial Literacy with Peer Pressure and Self-Control as Moderators Hansen Hein Rumtutuly; Apriani Dorkas Rambu Atahau
AFRE (Accounting and Financial Review) Vol. 6 No. 3 (2023)
Publisher : Postgraduate Program Merdeka University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/afr.v6i3.11488

Abstract

Pay Later is an innovation in great demand because of its ease of use by Generation Z compared to a credit card. Generation Z has changed its lifestyle, from loan avoider to loyal user of loan. This study aims to determine whether consumptive behaviour and financial literacy affect credit decisions using pay later and the role of peer pressure and self-control as moderating variables. This study uses quantitative techniques. Data obtained through distributing questionnaires to Generation Z students (students born in 1995-2010 and active users of pay later). By using 94 students selected as respondents by employing a purposive sampling technique, the findings show that consumptive behavior negatively affects the use of pay later. In contrast, financial literacy positively affects the use of pay later. In addition, peer pressure weakens the impact of independent variables on the use of Pay Later, whereas, on the contrary, self-control strengthens the effect of independent variables on the use of Pay Later.DOI: https://doi.org/10.26905/afr.v6i3.11488
Pengaruh Leverage Terhadap Nilai Perusahaan yang Dimediasi Profitabilitas Lamba, Angryani Bertha; Atahau, Apriani Dorkas Rambu
Reviu Akuntansi dan Bisnis Indonesia Vol. 6 No. 1 (2022): REVIU AKUNTANSI DAN BISNIS INDONESIA
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/rabin.v6i1.12698

Abstract

Latar Belakang: Persaingan dunia bisnis yang semakin ketat dan berkembang menjadi salah satu alasan perusahaan berlomba-lomba untuk menampilkan nilai terbaik dari perusahaan. Saat seorang akan menanamkan modalnya perlu melakukan analisis serta melihat bagaimana kondisi suatu perusahaan. Hal ini perlu dilakukan agar dapat diketahui investasi tersebut memberikan keuntungan sesuai harapan atau sebaliknya.Tujuan: Penelitian ini bertujuan untuk menguji pengaruh leverage terhadap nilai perusahaan secara langsung dan pengaruh leverage terhadap nilai perusahaan secara tidak langsung dengan profitabilitas sebagai variabel mediasi.Metode Penelitian: Teknik analisis yaitu, regresi data panel (random effect model) mengukur pengaruh langsung indikator variabel independen terhadap dependen. Selanjutnya, sobel test untuk mengukur pengaruh variabel independen terhadap dependen dan pengaruh melalui variabel mediasi.Hasil Penelitian: Hasil penelitian menunjukan bahwa leverage tidak berpengaruh terhadap nilai perusahaan, kemudian leverage berpengaruh negatif terhadap profitabilitas, sedangkan profitabilitas berpengaruh positif terhadap nilai perusahaan pada perusahaan manufaktur sektor barang konsumsi yang terdaftar di Bursa Efek Indonesia (BEI) pada tahun 2017-2020. Sedangkan profitabilitas tidak mampu memediasi pengaruh leverage terhadap nilai perusahaan pada perusahaan manufaktur sektor barang konsumsi yang terdaftar di BEI pada tahun 2017-2020.Keaslian/Kebaruan Penelitian: Pengukuran setiap variabel hanya menggunakan satu rasio saja, Penelitian selanjutnya dapat menggunakan beberapa rasio leverage untuk menguji kemampuan penjelas dari setiap rasio leverage tersebut. Selain itu hanya digunakan analisis sobel test, diharapkan pada penelitian selanjutnya dapat menggunakan model analisis selain sobel test, seperti path analisis. Selanjutnya pada uji mediasi bisa ditambahkan variabel faktor lain yang terkait dengan profitabilitas sehingga dapat menjelaskan hubungan secara lebih komprehensif. Penelitian ini menggunakan rasio profitabilitas sebagai variabel mediasi yang dikembangkan dari penelitian sebelumnya yang tidak menggunakan variabel mediasi. Variabel mediasi digunakan untuk mengetahui apakah rasio profitabilitas dapat memediasi hubungan leverage terhadap nilai perusahaan.
THE INFLUENCE OF IMPLEMENTING CORPORATE GOVERNANCE PRINCIPLES TOWARDS CORPORATE FINANCIAL PERFORMANCE IN BANKING SECTOR Karina Krissanti; Apriani Dorkas Rambu Atahau
Journal of Economics, Business, and Accountancy Ventura Vol. 13 No. 2 (2010): August 2010
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v13i2.414

Abstract

History has recorded that banking scandals have never ceased to happen. It implies that the urgency for banking sector to manage banks prudently by implementing good governance practice. The good government practice is designed to improve bank performance, protect stakeholder interest, and increase adherence to prescribed regulations, legislations and also generally accepted ethical values. The implementation of good corporate governance in long period of time has an impact on bank performance because good corporate governance principles are the foundation of banking organizing process. This research aims to test the impact of corporate governance principle implementation on financial performance of banking sector. The secondary data were obtained from Indonesian Capital Market Directory (ICMD) and Annual Report from the Faculty Data Centre. The result shows that the implementation of corporate governance has positive impact on financial performance of banking sector as measured by Return on Equity (ROE). This suggests that in the future, the banking sector should proceed to implement corporate governance principle especially on disclosing some aspects such as environment, quality, and standardization.
The Effect of Liquidity Risk, Financing Risk, and Operational Risk toward Indonesian Sharia Bank’s Financing with Bank Size as a Moderating Variable Dea Prastica Alsyahrin; Apriani Dorkas Rambu Atahau; Robiyanto Robiyanto
Journal of Economics, Business, and Accountancy Ventura Vol. 21 No. 2 (2018): August - November 2018
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v21i2.1181

Abstract

Islamic banking is growing rapidly in Indonesia, so it needs to be done a lot of studies on sharia banking especially about the influence of risks to sharia financing. The purpose of this study is to analyze of the influence of liquidity risk, financing risk, and operational risk with bank size as moderating variable. This research uses financial statement of Sharia Commercial Bank for 2012-2016 period. By using purposive sampling method, 12 Sharia Commercial Bank were chosen as samples in this study. The data use in this study is panel data. Those data was collected from Sharia Commercial Bank’s website. Data analyzed by using moderated regression analysis. The result shows that liquidity risk, financing risk, and operational risk significantly influenced the financing of Indonesian sharia banking with bank size as it’s moderating variable.
Penerapan Service Quality pada Kajian Aspek Pasar: Studi Kelayakan Usaha Cafe Bukit Soka Dianta Ricky Wibowo; Dina Budi Setyanti; Evellyn Diva Putri; Apriani Dorkas Rambu Atahau
Majalah Ilmiah METHODA Vol. 14 No. 2 (2024): Majalah Ilmiah METHODA
Publisher : Universitas Methodist Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46880/methoda.Vol14No2.pp247-255

Abstract

After the Covid-19 pandemic, Wisma Baptis Bukit Soka Salatiga, which is supported by the Indonesian Baptist Foundation, has plans to establish a new business, Cafe Bukit Soka. This community service activity was carried out to assist the Indonesian Baptist Foundation in observing the establishment of a new business, Cafe Bukit Soka. Observations were carried out by reviewing market aspects using the service quality method while also conducting direct observations in the field. In the survey that has been carried out, service quality indicators are used which consist of physical evidence, reliability, responsiveness, guarantee and attention. The results of observations through a market survey obtained 50 respondents who had the perception that Cafe Bukit Soka would provide adequate facilities, be responsive to consumer complaints and desires, reliable in serving consumers, guarantee safety and comfort, and pay attention to every consumer's needs. This analysis was prepared in the form of a report which was then submitted to Wisma Bukit Soka Salatiga to be used as a reference in establishing a new business, Cafe Bukit Soka.
Co-Authors Afi Virna Noviani Anastasia Dian Cahyaningrum Angryani Bertha Lamba Ari Budi Kristanto Cahyaningrum, Anastasia Dian Cahyaningtyas, Reghita Indah Dea Prastica Alsyahrin Dharamega Carissa Henrita Dianta Ricky Wibowo Dina Budi Setyanti Ersangga, Devita Evellyn Diva Putri Gracia S Ugut Hansen Hein Rumtutuly Hari Sunarto Harijono Harijono Himaya, Devi Nila Imanuel Madea Sakti Indra Kusuma, Septian Indra Setyawan Juniyan Gilang Cahyawan Karina Krissanti Kristina Dewanti Setyaningrum Lamba, Angryani Bertha Linggadjaya, Restiana Ie Tjoe Lorensia Fidelia Charita Lucky Pramestie Marino Firaj Kausar Mesakh Prihanto Surya Putra Nathaniel Pamela Santosa Novalina Taliawo Nugraha, Indra Sungkana Olivia, Chintya Puspaningrum, Rr Natasha Pramesthi Budi Putri, Evellyn Diva Reghita Indah Cahyaningtyas Restiana Ie Tjoe Linggadjaya Ridwan, Ardi Surya Satria Rizki Hartanto Tanic Robiyanto Ronny Prabowo Samuel Martono Setyanti, Dina Budi Sulihanto Sulihanto Sung Suk Kim Supatmi Surya Wibowo Umboh, Jandi Elriko Veni Tiara Sari Veni Tiara Sari Wibowo, Dianta Ricky Yehezkiel Chris Setiawan Yulia Shine Yulia Vidya Nanda