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Riyandi Nur Sumawidjaja
Universitas Indonesia Membangun
Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Journal : eCo-Buss

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Pengaruh Non Performing Financing, Return On Assets, dan BOPO pada Kondisi Financial Distress pada BPRS di Jawa Barat 2020-2023 Zahra Hasna Muzaki; Riyandi Nur Sumawidjaja
eCo-Buss Vol. 7 No. 2 (2024): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v7i2.1979

Abstract

This study was conducted to determine the risk of financial distress of Islamic Rural Credit Banks in West Java for the period 2020-2023 using the Springate S-score calculation model. The financial ratios used in this study are NPF, ROA and BOPO. The data in this study were 32 data, namely 4 years of time series data on 8 Islamic Rural Credit Banks obtained through the official Islamic banking statistics website of the Financial Services Authority (https://www.ojk.go.id). The data analysis used in this study was multiple regression. Based on the results of the study (1) Non Performing Financing (NPF) partially has no negative and insignificant effect on Financial Distress (increase in Score value) with a magnitude of influence of 10.4%. (2) Return On Asset (ROA) partially has a positive and significant effect on Financial Distress (increase in S-score value). With a magnitude of influence of 40.5%. (3) BOP) has no positive and significant effect on Financial Distress (increase in S-score value). With a magnitude of influence of 19.4%. (4) NPF, ROA and BOPO simultaneously affect the financial distress condition at Islamic Rural Credit Banks in West Java in 2020-2023 with a determination coefficient value of 41.5. While the remaining 58.5% is influenced by other variables not examined in the study.
Pengaruh Kualitas Produk, Online Customer Review dan Online Customer Rating Terhadap Kepuasan Nasabah Dalam Menggunakan Aplikasi M Banking KB Star Amelya Dwi Fitriani; Riyandi Nur Sumawidjaja; Erna Herlinawati; Dadan Abdul Aziz
eCo-Buss Vol. 8 No. 3 (2026): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v8i3.3478

Abstract

The rapid transition of the banking sector to digital operations has been accelerated by the development of information technology, particularly mobile banking services. Mobile banking allows customers to easily manage their finances, eliminating the need to visit traditional bank branches. The aim of this study is to examine the impact of product quality, online customer reviews, and online customer ratings on customer satisfaction among users of the KB Star mobile banking app. The study utilized a numerical strategy that incorporates both descriptive and validation techniques. The Lemeshow method was used to select the research sample, which included a total of 100 participants. Data analysis was conducted through validity and reliability tests, classical assumption testing, and multiple linear regression analysis using SPSS 25. The findings indicate that Product Quality has a significant effect on Customer Satisfaction, while Online Customer Reviews and Online Customer Ratings do not show significant partial effects. However, when analysed simultaneously, all three variables significantly influence Customer Satisfaction. These results highlight that application quality, especially system reliability and effectiveness, plays a crucial role in shaping user satisfaction. Therefore, improving digital service quality is essential to enhance customer satisfaction and strengthen user commitment to the KB Star mobile banking application.
Co-Authors Amelya Dwi Fitriani Dadan Abdul Aziz Diah Febriyanti E Landitha Karunia Antika Erna Herlinawati Palupi Permata Rahmi Yoyo Sudaryo Zahra Hasna Muzaki