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All Journal Proceeding of International Conference on Entrepreneurship (IConEnt) Proceeding of International Conference on Global Innovation and Trends in Economy
Gladys T. Evidente
Iloilo Science and Technology University, Iloilo
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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CURRENT ACCOUNTS, SAVINGS, AND TIME DEPOSITS TO OPERATING PROFIT: A COMPARATIVE STUDY ON INDONESIAN STATE-OWNED BANKS Apriani Simatupang; Gladys T. Evidente
Proceeding of International Conference on Entrepreneurship (IConEnt) Vol 2 (2022): Proceeding of 2nd International Conference on Entrepreneurship (IConEnt)
Publisher : Universitas Pelita Harapan

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This study compares current accounts, savings, term deposits, and operating profit among state-owned banks during the Covid 19 pandemic. This study also compares the effect of current accounts, savings, and term deposits on the operating profit of state-owned banks. The research method used is a comparative study. The study results were that during the Covid 19 pandemic, the most significant amount of current accounts was at BMANDIRI; savings and term deposits at BBRI; and operating profit was at BMANDIRI. The lowest current accounts, savings, term deposits, and operating profit were in BBTN. Comparing current accounts, savings, and term deposits, BBNI does not significantly affect operating profit. At BBRI, BMANDIRI, and BBTN, demand deposits, savings, and term deposits have a significant influence. BBTN's current accounts and savings have a negative effect on its operating profit, while BBRI and BMANDIRI have a positive effect. Term deposits at BBRI, BMANDIRI, and BBTN positively influence operational reports. It can be concluded that during the Covid 19 pandemic in 2020, current accounts, savings, and term deposits significantly influenced operating profit.
User Assessment of Livin by Mandiri Zoel Hutabarat; Gladys T. Evidente
Proceeding of International Conference on Global Innovation and Trend in Economics Vol. 4 (2022): Proceeding of The 4th International Conference on Global Innovation and Trends in Eco
Publisher : Fakultas Ekonomi Dan Bisnis Universitas Pelita Harapan

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This research was conducted with the aim of finding out customer ratings of the use of a digital banking by the community, especially for digital banking Livin by Mandiri as a case study. The hypothesis in this study has a positive impact, where even with the risk of using digital banking, it can also provide positive results for services. For this study, purposive sampling was carried out from Livin by Mandiri users as respondents. This study has collected 2,023 respondents and used a Likert scale of 1-5. From the results of this study, perceived usefulness is the variable with the highest results, which explains how people's ability to use technology is one of the highest determining factors in using digital banking Livin by Mandiri.
Co-Authors Apriani Simatupang Zoel Hutabarat