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All Journal Jurnal Locus Penelitian dan Pengabdian Journal Research of Social Science, Economics, and Management
Tanjung , Miranda Hotmadia
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Aerospace Engineering Automotive Engineering Decision Sciences, Operations Research & Management Electrical & Electronics Engineering Environmental Science Mathematics

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Click, Trust and Stay: What Keeps Indonesians Using Digital-Only Banking? Ambarwati, Dian; Widjaya, Satrya; Tanjung , Miranda Hotmadia
Jurnal Locus Penelitian dan Pengabdian Vol. 4 No. 8 (2025): JURNAL LOCUS: Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v4i8.4733

Abstract

This Study Investigates The Factors That Influence Users' Intention To Continue Using Digital Banking Services In Indonesia, Focusing On Fully Digital Banks Without Branches Such As Blu By Bca Digital, Jenius, Seabank And Others. Based On The Technology Continuance Theory (Tct), This Study Integrates The Main Constructs Of The Technology Acceptance Model (Tam) And The Expectation Confirmation Model (Ecm) And Extends The Framework By Including Two Important Factors In The Context Of Digital Finance, Namely Trust And Perceived Risk. Data Were Collected Through A Structured Online Questionnaire, Resulting In 227 Valid Responses From Active Digital Banking Users. Partial Least Squares Structural Equation Modeling (Pls-Sem) Was Employed To Test Eight Hypotheses Involving Confirmation, Perceived Ease Of Use, Perceived Usefulness, Satisfaction, Attitude Toward The Service, Trust And Perceived Risk. The Results Revealed That Confirmation And Perceived Ease Of Use Significantly Influenced Perceived Usefulness, Which In Turn Had A Strong Impact On User Satisfaction. Furthermore, Satisfaction Improved User Attitudes Toward The Service. However, The Direct Effects Of Satisfaction, Attitude, Trust, And Perceived Risk On Continuance Intention Were Found To Be Statistically Insignificant, Indicating Potential Indirect Pathways Or Conceptual Overlap. Discriminant Validity Issues Identified Through Htmt Analysis Indicated High Intercorrelations Among These Constructs, Warranting Further Refinement In Future Models. This Study Contributes To The Post-Adoption Literature By Validating An Extended Tct Model In The Context Of Indonesian Digital Banking. It Offers Practical Recommendations For Digital Banks To Focus On Functional Value And User Experience Rather Than Solely Emphasizing Trust-Building Or Risk Reduction. Future Research Should Address The Model’s Limitations By Including Moderating Variables, Using Longitudinal Data And Expanding To Cross-National Contexts.
Financial Ratios and Corporate Performance: The Interaction of Liquidity, Solvency, and Profitability in Indonesian Mining Companies Sumarlin, Muhamad Jorgi Rahmat Andri; Tanjung , Miranda Hotmadia
Journal Research of Social Science, Economics, and Management Vol. 5 No. 2 (2025): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i2.1075

Abstract

This study examines the impact of liquidity and solvency ratios on the financial performance of mining companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2023 period. Amid global commodity price volatility and the implementation of downstream policies in Indonesia's mining sector, the management of financial structures is becoming increasingly critical. Liquidity is measured using cash ratios and quick ratios, while solvency is represented by debt-to-equity ratio (DER) and debt-to-asset ratio (DAR). Financial performance is assessed using profitability indicators such as Return on Assets (ROA) and Return on Equity (ROE) with company size, company age, and exchange rate as control variables. Panel data regression using the Random Effects Model (REM) revealed that DAR had a significant negative effect on ROA, while DER significantly and negatively affected ROE. In contrast, the liquidity ratio did not show a significant effect on profitability. These findings suggest that excessive debt can hinder profitability and that maintaining an optimal capital structure is essential for sustainable financial performance in Indonesia's capital-intensive mining industry. This study provides empirical insights for the formulation of financial strategies in resource-based sectors that are vulnerable to external shocks.
Co-Authors Dian Ambarwati Sumarlin, Muhamad Jorgi Rahmat Andri Widjaya, Satrya