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All Journal TECHNOBIZ : International Journal of Business
Azmii Lathifah
Universitas Sriwijaya
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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EXPLORING THE EFFECT OF INDEPENDENT BOARD OF COMMISSIONERS’ BACKGROUND DIVERSITY ON FIRM FINANCIAL PERFORMANCE: EVIDENCE FROM STATE-OWNED ENTERPRISES Gita Rahayu; Azmii Lathifah; Rahellia Panjaitan
TECHNOBIZ : International Journal of Business Vol. 8 No. 2 (2025): Oktober 2025
Publisher : TECHNOBIZ : International Journal of Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/technobiz.v8i2.914

Abstract

Keberagaman merupakan salah satu unsur yang harus dipertimbangkan untuk menentukan susunan anggota dewan komisaris yang juga disesuaikan dengan kebutuhan dan kompleksitas usaha. Penelitian ini bertujuan untuk menganalisis pengaruh keberagaman latar belakang dewan komisaris independen terhadap kinerja perusahaan pada perusahaan BUMN yang terdaftar di BEI tahun 2020-2024. Hasil penelitian menunjukkan bahwa jumlah komisaris independen, keberagaman latar belakang komisaris dan latar belakang belakang dewan komisaris berpengaruh positif terhadap kinerja keuangan karena semakin banyak latar belakang yang diperkerjakan oleh perusahaan, maka kemampuan integrasi sumber dayanya juga meningkat. Kata Kunci : Komisaris Independen, Corporate Governance, BUMN
PENGARUH KESADARAN ATAS PELAYANAN, KEPRCAYAAN DIRI DAN NORMA SUBJECTIVE TERHADAP NIAT PENGGUNAAN DIGITAL BANKING : THE EFFECT OF SERVICE AWARENESS, SELF-CONFIDENCE AND SUBJECTIVE NORMS ON INTENTION TO USE DIGITAL BANKING Azmii Lathifah; Gita Rahayu; Belinda Mora Siagian
TECHNOBIZ : International Journal of Business Vol. 8 No. 2 (2025): Oktober 2025
Publisher : TECHNOBIZ : International Journal of Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/technobiz.v8i2.917

Abstract

This study aims to examine the influence of service awareness, self-efficacy, and subjective norms on the intention to use digital banking services in Indonesia. The results indicate that all three independent variables have a positive and significant effect on the intention to use digital banking. Service awareness was found to be a significantly positive initial cognitive factor that enhances intention to use digital banking. Self-efficacy also showed a significant positive effect that suggesting that individuals who feel capable of operating digital banking applications are more likely to engage in digital transactions. Likewise, subjective norms were found to have a positive influence on behavior, confirming the role of social pressure and peer support in shaping users’ adoption behavior. These findings reinforce the TPB, TAM, and UTAUT frameworks, suggesting that cognitive, psychological, and social factors interact synergistically to explain the adoption of digital banking. Practically, the results recommend that banks enhance user awareness through targeted education, design onboarding features that strengthen self-efficacy, and leverage social and community-based strategies to encourage the intention to use digital banking services in Indonesia.
Co-Authors Belinda Mora Siagian Gita Rahayu Rahellia Panjaitan