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International Journal of Economics, Management and Accounting
Published by Asosiasi Riset Ekonomi dan Akuntansi Indonesia
ISSN : 30480396     EISSN : 30469376     DOI : 10.62951
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Topics in this journal relate to any aspect of management, but are not limited to the following topics: Human Resource Management, Financial Management, Marketing Management, Public Sector Management, Operational Management, Supply Chain Management, Corporate Governance, Business Ethics, Management Accounting and Capital Markets and Investment
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 282 Documents
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The Effect of Perceived Ease of Use, Financial Literacy and Risk Perception on Interest in Using Mobile Banking: The Role of Trust as a Moderating Variable Asyqar, Raki; Apriliza, Yafika
International Journal of Economics, Management and Accounting Vol. 3 No. 2 (2026): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v3i2.1261

Abstract

The rapid growth of digital technology has transformed the banking industry, including the adoption of mobile banking services in Indonesia. Although this trend shows improvement, some people are still reluctant to use it due to limited financial literacy, risk perception, and lack of trust. This study aims to analyze the influence of ease of use, financial literacy, and risk perception on interest in using mobile banking, and to examine the role of trust as a moderating variable. This study used a descriptive quantitative approach with 125 students from the Faculty of Economics and Business, University of North Sumatra as respondents. Data were collected through questionnaires and analyzed using the Structural Equation Modeling (SEM) method with the assistance of SmartPLS 3.0 software. The results showed that ease of use and financial literacy had a positive and significant effect on interest in using mobile banking. However, risk perception did not show a significant effect. Furthermore, trust was not proven to significantly moderate the relationship between ease of use, financial literacy, and risk perception on interest in using mobile banking. These findings emphasize the importance of improving user convenience and financial literacy to encourage mobile banking adoption, while trust is not yet a strong enough moderating factor.
How Knowledge Transfer Mechanism and Integrity Improve Local Government Performance: Evidence from Indonesian Regional Agencies I Gusti Ayu Ngurah Lita Rumiati; Putu Kepramareni; Gde Bayu Surya Parwita
International Journal of Economics, Management and Accounting Vol. 3 No. 2 (2026): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v3i2.1269

Abstract

This study was motivated by the importance of improving the performance of regional government agencies in supporting the implementation of the Government Agency Performance Accountability System (SAKIP) to achieve effective, professional, transparent, and accountable governance. Despite increasing attention to public sector accountability, empirical evidence explaining how competence mediates the relationship between knowledge transfer mechanisms, integrity, and organizational performance remains limited, particularly in Indonesian local governments. The study aimed to analyze the effects of knowledge transfer mechanisms and integrity on the performance of regional government agencies through competence in the Regional Government of Badung Regency. This study employed a quantitative approach using a survey method. The population consisted of 37 regional government agencies within the Regional Government of Badung Regency. The sample was determined using purposive sampling, consisting of employees who were members of the SAKIP Team in each regional government agency. Data were collected through questionnaire distribution and analyzed using Structural Equation Modeling (SEM) based on Partial Least Square (PLS), to test direct and indirect relationships between variables. The results showed that the knowledge transfer mechanism had a negative but insignificant effect on the performance of regional government agencies. Integrity had a positive and significant effect on the performance of regional government agencies. Both the knowledge transfer mechanism and integrity had positive and significant effects on competence. Competence also had a positive and significant effect on the performance of regional government agencies and mediated the effects of the knowledge transfer mechanism and integrity on organizational performance. Based on the research results, it can be concluded that improving regional apparatus performance is influenced by the integrity and competence of the apparatus, while the knowledge transfer mechanism contributes to performance improvement through competence as a mediating variable. Therefore, the Badung Regency Government is advised to strengthen the integrity of the apparatus through continuous guidance and supervision and improve the competence of the apparatus through education, training, and capacity building to support the realization of professional and accountable governance.

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