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PENGARUH EFEKTIVITAS, HEDONIS, KEMANFAATAN, DAN KEPERCAYAAN TERHADAP MINAT MAHASISWA UNIVERSITAS NEGERI MALANG DALAM MENGGUNAKAN LAYANAN SHOPEEPAY: PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL 有效、休闲、魅力和信任对马朗州立大学学生在使用SHOPEEPAY服务时的兴趣的影响:技术采用模型
Pub Date : 2022-07-01 DOI: 10.36987/ecobi.v9i2.2711
Taruni Risla Hanifah, Imam Mukhlis
Financial inclusion is one of the indicators used in knowing the development of the financial system in a country. Financial Technology can be used in overcoming the problem of financial inclusion because it can create access to financial services easily and improve the system to be more efficient in addition to the financial technology that develops in people's lives that encourages a cashless society, namely by creating electronic money innovations contained in an application platform called e-wallet. ShopeePay is an e-wallet that is popular among the public today. Therefore, researchers use variables of effectiveness, hedonistic, usefulness, and trust as independent variables and the interest of students of State University of Malang in using ShopeePay services as dependent variables. Researchers use variables of effectiveness, hedonistic, usefulness, and trust because according to the Technology Acceptance Model the variable is a factor that influences an individual's interest in using technology. This study used quantitative data with data collection methods in the form of questionnaires with a Linkert scale. The result of this study is that the variables of effectiveness, hedonics, and usefulness have a significant influence on the interest in using ShopeePay services. While the trust variable does not have a significant influence on the interest in using ShopeePay services
普惠金融是了解一个国家金融体系发展情况的指标之一。金融技术可以用来克服金融普惠的问题,因为除了金融技术在人们的生活中发展,鼓励无现金社会,即通过创建电子货币创新包含在一个名为电子钱包的应用平台中,金融技术可以让人们更容易地获得金融服务,并提高系统的效率。shopepay是一个电子钱包,今天在公众中很受欢迎。因此,研究者以有效性、享乐主义、有用性、信任等变量为自变量,以玛琅州立大学学生使用shopepay服务的兴趣为因变量。研究人员使用了有效性、享乐主义、有用性和信任等变量,因为根据技术接受模型,这些变量是影响个人使用技术兴趣的一个因素。本研究采用定量数据收集方法,采用Linkert量表问卷调查的形式。本研究的结果是,有效性、享乐性和有用性变量对使用shopepay服务的兴趣有显著影响。而信任变量对使用shopepay服务的兴趣没有显著影响
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引用次数: 3
PERBANDINGAN MODEL ALTMANT, ZMIJEWSKI, SPRINGATE, GROVER DAN FOSTER DALAM MEMPREDIKSI KEBANGKRUTAN PERUSAHAAN MASKAPAI PENERBANGAN INDONESIA DI MASA PANDEMI COVID 19. 比较ALTMANT, ZMIJEWSKI, SPRINGATE, GROVER和FOSTER在COVID大流行期间预测印尼航空公司破产。
Pub Date : 2022-07-01 DOI: 10.36987/ecobi.v9i2.2715
Dhea Zatira, Abdul Karim Butar Butar, Hamdani Hamdani
ABSTRAKPenelitian ini bertujuan untuk memprediksi kebangkrutan perusahaan manufaktur sub sektor transportasi udara yang terdaftar di Bursa Efek Indonesia selama masa Pandemic Covid 19 yaitu tahun 2019-2020 dengan menggunakan Model Altmant Z score, Model Zmijewski, Model Springate, Model Grover dan Model Foster. Metode analisis data dalam peneltian ini adalah deskritif kuantitatif dengan sumber data sekunder. Berdasarkan hasil kelima metode yang digunakan, model yang memiliki tingkat akurasi tertinggi adalah model Zmijewski dan Model  Grover dengan tingat akurasi sebesar 35%. Model springate dengan tingkat akurasi 12,5%, sedangkan Altman dan Foster tingat akurasinya 0%.Kata Kunci: Altmant, Zmijewski, Springate, Grover dan Foster
这次调查的目的是预测在2000年至2019年大萧条时期在印尼证券交易所注册的制造子航空运输公司的破产,该公司使用的是Altmant Z score模型、Zmijewski模型、Springate模型、Grover模型和Foster模型。peneltian中数据分析方法是定量deskritif和二级数据来源。根据使用的五种方法的结果,最精确的模型是Zmijewski和Grover的模型,准确率高达35%。springate模型精确度外交部,而奥特曼和福斯特公司准确率0%。密码:Altmant, Zmijewski, Springate, Grover和Foster
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引用次数: 0
STUDI KOMPARASI LAYANAN FINTECH DALAM MENINGKATKAN KEUANGAN INKLUSIF PADA UMKM DI KOTA PALOPO 在PALOPO市,FINTECH服务对促进UMKM包容性金融的综合研究
Pub Date : 2022-07-01 DOI: 10.36987/ecobi.v9i2.2722
Elva Amrin, Rismawati Rismawati, Goso Goso, Asriany Asriany
Penerapan Fintech tentu akan sejalan dengan berkembangnya kebutuhan masyarakat dan juga pelaku bisnis Usaha Mikro Kecil Menengah (UMKM) akan layanan keuangan berbasis online dan juga pengguna media berbasis internet untuk akses digital. Munculnya Financial Technology menjadi harapan dalam memberikan solusi terhadap masalah pada UMKM dan meningkatkan kesejahteraan masyarakat terutama pada UMKM di Kota Palopo. Ini menjadi bukti bahwa bisnis digital merupakan hal yang sangat dibutuhkan saat ini. Karena melihat tuntutan perkembangan zaman yang semakin maju dan canggih. Namun, dalam menerapkan layanan Fintech, perlu kita ketahui hal yang mendasar yaitu apakah masyarakat terutama pelaku UMKM di Kota Palopo sudah memiliki literasi keuangan yang baik atau tidak pada layanan Fintech dalam meningkatkam keuangan inklusif. Sehingga penting untuk mengukur bagaimana tingkat literasi pelaku UMKM terutama di Kota Palopo. Secara garis besar pada penelitian ini mengukur bagaimana perbandingan antara pelaku UMKM yang menggunakan layanan Fintech dengan pelaku UMKM yang tidak menggunakan layanan. Metode yang digunakan pada penelitian ini adalah analisis deskriptif kualitatif. Pada penelitian ini dilakukan wawancara kepada pelaku UMKM di Kota Palopo sebanyak 2 orang informan. Lokasi penelitian dilakukan di Kota Palopo dengan waktu penelitian selama 2 bulan. Hasil penelitian ini adalah pelaku UMKM masih minim akan literasi keuangan sehingga bisnis UMKM yang mereka lakukan masih belum tersistematis
Fintech的应用将与社区需求的增长以及基于在线金融服务和基于互联网的媒体用户的数字访问相匹配。金融技术的出现带来了解决UMKM问题和改善公共福利的希望,特别是在Palopo市的UMKM。这证明了数字业务是当今迫切需要的。我们看到了时代发展的必要性。然而,在实施Fintech服务时,我们需要知道的一个基本问题是,在Palopo的UMKM社区中,是否已经具备良好的金融基础知识,以及在金融繁荣方面是否具有包容性金融基础。因此,测量主要在帕洛波市的UMKM肇事者的识字水平是很重要的。本研究概要测量使用Fintech服务的UMKM参与者与不使用服务的UMKM参与者之间的比较。本研究采用的方法是描述性质的分析。在这项研究中,对在帕洛波市发生的一名UMKM嫌疑人进行了采访,其中包括两名告密者。在随着时间的推移,帕洛普研究城市研究地点做了两个月。这项研究结果是嫌犯UMKM还暴露UMKM商业金融素养,所以,他们要做的还没有爬虫
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引用次数: 1
PENGARUH PELUANG KARIR DAN KOMPETENSI TERHADAP KINERJA PEGAWAI MELALUI MOTIVASI DAN KEPUASAN KERJA SEBAGAI VARIABEL MEDIASI PADA KANTOR WILAYAH KEMENTERIAN HUKUM DAN HAM SULAWESI BARAT 职业机会和能力对员工绩效的影响,通过作为调控部法务和西苏拉威西人权办公室的调控变量,对工作机会和工作满意度的影响
Pub Date : 2022-07-01 DOI: 10.36987/ecobi.v9i2.2433
Joko Ariwibowo, M. Madris, Shine Pintor Siolemba Patiro
Penelitian ini bertujuan untuk menganalisis pengaruh peluang karir dan kompetensi terhadap kinerja pegawai pada Kantor Wilayah Kementerian Hukum dan HAM Sulawesi Barat dengan menjadikan motivasi dan kepuasan kerja sebagai mediasi. Penelitian dilakukan pada pegawai Kantor Wilayah Kementerian Hukum dan HAM Sulawesi Barat dengan populasi berjumlah 108 orang. Sampel yang digunakan sebanyak 60 responden. Teknik pengumpulan data dengan melakukan pengamatan langsung di lapangan, wawancara tatap muka langsung menggunakan google formulir dan konvensional. Pengukuran variabel menggunakan skala likert dan analis data menggunakan metode Structural Equation Model (SEM) berbasis varians dengan aplikasi SMART PLS ver. 3.3.3. Hasil penelitian menunjukkan bahwa peluang karir berpengaruh positif signifikan terhadap kinerja pegawai, motivasi kerja, kepuasan kerja dan kinerja melalui kepuasan kerja pegawai. peluang karir juga berpengaruh positif namun tidak signifikan terhadap kinerja melalui motivasi kerja. variabel lain yaitu kompetensi berpengaruh positif dan signifikan terhadap kinerja, motivasi, kepuasan kerja, dan kinerja melalui kepuasan kerja pegawai, kompetensi juga berpengaruh positif namun tidak signifikan terhadap kinerja melalui motivasi kerja pegawai pada Kantor Wilayah Kementerian Hukum dan HAM Sulawesi Barat. Penelitian ini diharapkan mampu memberi implikasi pertimbangan manajerial instansi dalam mengelola kinerja pegawai sekaligus memberikan implikasi teoritis terkait kinerja pegawai
本研究旨在分析向西苏拉威西人权办公室提供动力和工作满足感的工作机会和能力的影响。该研究对象是外交部法务部和西苏拉威西人权办公室的工作人员,共有108人。使用多达60名受访者的样本。数据收集技术通过现场直接观察、面对面采访使用谷歌表格和传统形式。变量测量使用likert量表,数据分析使用基于变量的基于模式(SEM)的基于SMART ver应用程序的模式分析。3.3.3. 研究结果表明,职业机会对员工的工作表现、工作动机、工作满意度和工作表现产生了积极的影响。职业机会也通过工作动机对表现产生积极但不重要的影响。另一种变革性是通过员工工作满意度对工作表现产生积极而重要的影响。本研究有望在管理人员表现方面给予机构管理考虑的影响,并提供与工作表现相关的理论影响
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引用次数: 0
PENGARUH KEBIJAKAN KREDIT DAN KREDIT BERMASALAH TERHADAP KINERJA PERUSAHAAN PERBANKAN 信贷政策对银行企业绩效的影响
Pub Date : 2022-07-01 DOI: 10.36987/ecobi.v9i2.2710
Zulfikry Sukarno, Nurdin Brasit, Musran Munizu, Sabir Sabir
Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari kebijakan utang dan kredit bermasalah terhadap kinerja perusahaan perbankan yang terdaftar pada Bursa efek Indonesia. Metode Penelitian menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan bank umum sebanyak 43 bank yang terdaftar pada bursa efek Indonesia pada tahun 2019.  Untuk menguji data laporan keuangan menggunakan uji asumsi klasik berupa uji normalitas. Dalam menganalisis hasil penelitian digunakan uji koefesien determinasi (R²) dan uji parsial (uji T) dengan menggunakan alat statistic berupa SPSS 23. Hasil uji hipotesis lalu dideskripsikan dengan hasil penelitian bahwa kebijakan utang berpengaruh negative terhadap kinerja perusahaan dan kredit bermasalah berpengaruh positif terhadap kinerja perusahaan
本研究的目的是确定不良债务和信贷政策对印尼证券交易所上市银行工作表现的影响。研究方法采用定量方法,将2019年在印尼证券交易所注册的多达43家公共银行的财务报表引入次要数据。使用规范测试的经典假设测试来测试财务报表数据。分析中使用的研究成果部分测试koefesien决心(R²)和(T)用测试工具SPSS的statistic 23。测试结果后来被描述为债务政策对公司表现的负面影响以及有问题的信贷对公司表现的积极影响
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引用次数: 0
THE EFFECT OF MULTICULTURALISM AND CULTURAL DIVERSITY ON INNOVATIVE WORK BEHAVIOR WITH CULTURAL INTELLIGENCE AS MEDIATION 多元文化主义和文化多样性对创新工作行为的影响——以文化智力为中介
Pub Date : 2022-07-01 DOI: 10.36987/ecobi.v9i2.2676
Alden Neslon, Devita Revyani, A. Setyawan
This study aims to determine the effect of multiculturalism and cultural diversity on innovative work behavior by mediating cultural intelligence. Organizations in international business require every individual working in a global work environment to have cross-cultural skills or cultural intelligence. This study collects data by distributing questionnaires to expatriates and Indonesians from other cities (different ethnicity, culture, race, and language). Respondents who were sampled were employees of shipping consulting companies and shipyards in Batam City. The sampling technique used the theory of Hair et al, 2010 with a minimum sample of 95. After collecting the results from the respondents, the authors tested the data using PLS software. Based on the results of the PLS test, the authors can conclude that there is a significant relationship or not from several variables in this study. The results of this study emphasize the importance of having or studying cultural intelligence (CQ). Cultural intelligence will greatly assist us in communicating and expressing various ideas and mindsets of people from other cultures, which will have an effect on creating innovative work behaviors and creative solutions
本研究旨在通过中介文化智力来确定多元文化主义和文化多样性对创新工作行为的影响。国际商务组织要求在全球工作环境中工作的每个人都具有跨文化技能或文化智慧。本研究通过向来自其他城市(不同种族、文化、种族和语言)的外籍人士和印尼人发放问卷来收集数据。抽样调查的受访者是巴淡市航运咨询公司和造船厂的雇员。抽样技术采用Hair et al ., 2010的理论,最小样本为95。在收集了受访者的结果后,作者使用PLS软件对数据进行了测试。根据PLS检验的结果,作者可以得出结论,在本研究中,几个变量之间是否存在显著的关系。这项研究的结果强调了拥有或研究文化智力(CQ)的重要性。文化智商将极大地帮助我们沟通和表达来自其他文化的人们的各种想法和心态,这将对创造创新的工作行为和创造性的解决方案产生影响
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引用次数: 0
APLIKASI THEORY OF CONSUMPTION VALUE TERHADAP INTENSI PEMBELIAN PRODUK RAMAH LINGKUNGAN CONSUMPTION价值应用于绿色产品购买意图
Pub Date : 2022-07-01 DOI: 10.36987/ecobi.v9i2.2448
Bernadetta Diansepti Maharani, Tri Ratna Purnamarini
Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi intensi pembelian produk ramah lingkungan pada generasi Z di Yogyakarta. Penelitian ini menggunakan adaptasi dari Theory of Consumtion Value. Tujuan dari penelitian ini adalah menganalisis pengaruh functional value, conditional value, social value, emotional value, epistemic value terhadap intensi pembelian produk ramah lingkungan. Metode penelitian menggunakan analisis dari SPSS. Sampel yang menggunakan metode purposive convenience sampling pada masyarakat Yogyakarta lahir antara 1995-2012 yang masuk kekategori generasi Z dan mengetahui tentang produk ramah lingkungan. Penelitian ini menghasilkan adanya pengaruh positif antara functional value, conditional value, emotional value, epistemic value terhadap intensi pembelian produk ramah lingkungan. Sedangkan, tidak adanya pengaruh social value terhadap intensi pembelian produk ramah lingkungan.
本研究旨在找出影响日惹Z代环保产品购买意图的因素。本研究采用了价值观念的改编。本研究的目的是分析经济价值、环境价值、社会价值、情感价值、对绿色产品购买意图的认识程度的影响。使用SPSS分析的研究方法。该样本采用1995-2012年在日惹社会中采用的采样方法,是下一代Z一代,对绿色产品了如指掌。这项研究产生了环保产品购置意图的积极影响。另一方面,社会价值对环保产品购买意图没有影响。
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引用次数: 0
PENGARUH GOOD CORPORATE GOVERNANCE & KINERJA KEUANGAN TERHADAP NILAI PERUSAHAAN DI MASA PANDEMI COVID-19 良好的公司治理和财务绩效对COVID-19大流行公司价值的影响
Pub Date : 2022-06-30 DOI: 10.36987/ecobi.v9i2.2909
Haritra Dyah Lembayung, Kartika Hendra Titisari, E. Masitoh
This study aims to determine and analyze the effect of good corporate governance and financial performance on firm value. The dependent variable in this study is firm value. While the independent variables used in this study are managerial ownership, audit committee size and, financial performance. The population of this study is the consumer goods industry sector companies listed on the Indonesia Stock Exchange (IDX) for the 2019-2020 period. The sample in this study used a purposive sampling method with certain criteria to obtain a sample of 53 companies in the consumer goods industry sector listed on the Indonesia Stock Exchange (IDX) for the 2019-2020 period. The data used is secondary data sourced from the annual report. The data analysis technique used multiple linear regression analysis. The results showed that managerial ownership and financial performance affected firm value. Meanwhile, the size of the audit committee has no effect on the value of the company in the consumer goods industry sector for the 2019-2020 period
本研究旨在确定和分析良好的公司治理和财务绩效对公司价值的影响。本研究的因变量为公司价值。而本研究中使用的自变量是管理层所有权,审计委员会规模和财务绩效。本研究的人口是2019-2020年期间在印度尼西亚证券交易所(IDX)上市的消费品行业公司。本研究的样本采用具有一定标准的有目的抽样方法,以2019-2020年期间在印度尼西亚证券交易所(IDX)上市的消费品行业部门的53家公司为样本。所使用的数据是来自年度报告的二手数据。数据分析技术采用多元线性回归分析。结果表明,管理层持股和财务绩效对企业价值有影响。同时,审计委员会的规模对公司2019-2020年消费品行业板块的价值没有影响
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引用次数: 1
ANALYSIS OF FINANCIAL PERFORMANCE: A STUDY ON MANUFACTURING COMPANIES IN INDONESIA BEFORE AND AT THE BEGINNING OF THE COVID-19 PANDEMIC 财务绩效分析:对2019冠状病毒病大流行之前和开始时印度尼西亚制造业公司的研究
Pub Date : 2022-06-30 DOI: 10.36987/ecobi.v9i2.2668
Firdaus Hamta, R. Hasibuan, Muhammad Ikhlash, Bayu Efendi, Praida Hansyah, Ade Parlaungan Nasution
The objective of this research was to explore the financial performance of manufacturing companies that registered on the Indonesia Stock Exchange in 2017-2020. The focuses of financial performance investigated were the ratio of profitability, activity and liquidity. The research was conducted at Supreme Cable Manufacturing and Commerce, Sky Energy Indonesia, and Satnusa Persada. A quantitative descriptive method was adopted in the electronics and cable sub-sector manufacturing unit to achieve the objective. The research found that the company's financial performance at the beginning of the Covid-19 pandemic in 2020 was better than before the pandemic in 2017-2019. It was revealed that the profitability ratio fell in 2019, which was influenced by capital in 2017 and 2019 and increased in 2020. The activity ratio improved in 2019 and 2020 due to receivables turnover in utilizing assets to generate profit. The liquidity ratio was relatively good in 2020 by the average value of 2 times better than before. While in 2017 to 2019, the results showed that the average value was two times lower.
本研究的目的是探讨2017-2020年在印度尼西亚证券交易所注册的制造公司的财务绩效。财务绩效调查的重点是盈利能力、活动性和流动性的比率。这项研究是由Supreme Cable Manufacturing and Commerce、Sky Energy Indonesia和Satnusa Persada进行的。为了实现这一目标,在电子和电缆分行业制造单位采用了定量描述方法。研究发现,2020年新冠肺炎疫情开始时,该公司的财务业绩好于2017-2019年疫情前。据披露,2019年利润率下降,2017年和2019年受资本影响,2020年上升。由于利用资产产生利润的应收账款周转率,2019年和2020年的活动比率有所改善。2020年流动性比率相对较好,平均比之前好2倍。而在2017年至2019年,结果显示平均值低了两倍。
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引用次数: 0
ANALISIS EFEKTIFITAS PROGRAM MAGANG UNTUK SINKRONISASI LINK AND MATCH PERGURUAN TINGGI DENGAN DUNIA INDUSTRI (Studi Terhadap Program Magang Mahasiswa Program Studi Administrasi Bisnis Politeknik Negeri Madiun) 对大学与行业的联系与匹配实习计划的有效分析。
Pub Date : 2022-06-30 DOI: 10.36987/ecobi.v9i2.2491
Netty Lisdiantini, Aminudin Azis, Eva Mirza Syafitri, Hifzhan Frima Thousani
This research was conducted to determine the effectiveness of the internship program for link and match between universities and the industrial world. This study uses a qualitative method based on the assumption that qualitative research emphasizes the nature of naturalism, meaning that the emerging reality becomes the study material in this study so that the object of research and problems regarding the analysis of the effectiveness of the internship program for synchronizing link and match universities with the business world of the industrial world will be disclosed. in detail and depth. Researchers also do not give treatment or treatment to the object, so that the object is left as it is in its original condition. From the results of the study, it can be concluded that the effectiveness of the internship carried out was assessed by the company and the student interns as having been effective, lack of technical skills (computers and operating facilities), soft skills (communication, adaptation, interaction, work discipline) and the need to improve technical skills such as operating computers, English, soft skills such as communication, discipline, ethics and adaptation and interaction.Keywords: link and match, internship, effectiveness
本研究是为了确定实习计划在大学和工业世界之间的联系和匹配的有效性。本研究采用定性方法,假设定性研究强调自然主义的本质,即新兴的现实成为本研究的研究材料,从而揭示研究对象和分析实习计划对同步连接和匹配大学与工业世界的商业世界的有效性的问题。细节和深度。研究人员也不对对象进行处理或处理,使对象保持其原始状态。从研究的结果可以得出结论,实习的有效性是由公司和学生实习生评估为有效,缺乏技术技能(计算机和操作设施),软技能(沟通,适应,互动,工作纪律)和需要提高的技术技能,如操作计算机,英语,软技能,如沟通,纪律,道德和适应和互动。关键词:链接与匹配,实习,有效性
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引用次数: 0
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