Holistic Journal of Management Research

Analisis Rasio Keuangan Pada Sektor Perusahaan Perbankan Dengan Suku Bunga Sebagai Variabel Moderasi

2024-03-27T04:45:44+00:00

This study aims to analyze the effect of capital adequacy ratio (CAR), third party funds (TPF) and loan to deposit ratio (LDR) on the profitability of banking companies listed on the Indonesia Stock Exchange. In addition, this study also examines whether interest rates can moderate the relationship between CAR, TPF, and LDR with Profitability. The analytical method used in this study is a quantitative approach method with multiple linear regression analysis and moderation regression analysis. The results showed that CAR and LDR had a positive and significant effect on profitability, but TPF had no effect on profitability, this was due to the ineffective use of TPF. Meanwhile, the interest rate moderating variable is not able to moderate the effect of CAR, TPF, LDR on ROA. This was due to changes in the new banking regulatory policy with the obligation to provide minimum capital which had doubled from the previous policy so that the interest income was used in capital reserves, the TPF variable was caused by alternative investment competition during the Covid-19 pandemic with the a digital banking company that is more in demand by the public and global investors, the LDR variable is caused by a high LDR which indicates the bank is providing more loans than the number of deposits it has so that the existing interest income is used to offset loan costs.

Pengaruh Kemudahan Persepsian, Kepercayaan Persepsian, Dan Risiko Persepsian Terhadap Niat Penggunaan Qris Dalam Transaksi Pembelian Offline Dan Online Pada Generasi Milenial Di Kota Pangkalpinang

2024-03-27T04:47:07+00:00

This study aims to analyze the effect of perceived ease, perceived trust, and perceived risk on the intention to use QRIS in offline and online purchase transactions in the millennial generation at Pangkalpinang city. The research method used in this study is a quantitative methode. The sampling technique used is nonprobability sampling technique with incidental sampling method. The data used are secondary data and primary data.The results of this study indicate that variables of perceived ease and perceived trust have a positive and significant effect on the intention to use QRIS. This is because perceived ease and perceived trust are important factors in influencing the acceptance of technology by users. The results of this study are supported by the TAM theory which explains that perceived ease is related to intention to use a technology. Perceived trust is a critical factor in shaping intention to use technology. If users have high trust in the technology used, then a user tends to have a stronger intention to use technology. Meanwhile, the risk variable has a positive and insignificant effect on the intention to use QRIS, while the perceived risk variable has a positive and insignificant effect on the intention to use the QRIS because the perceived risk does not have a significant impact on the intention to use the QRIS.

Pengaruh Implementasi Sistem Input Data Simda Dan Penggunaan Informasi Keuangan Terhadap Kualitas Laporan Keuangan Tahunan (Studi Empiris Pada 3 Bidang Kerja)

2024-03-27T04:50:18+00:00

Pada saat pengelolaan berlangsung, sikap professional pegawai juga dipertanyakan. Pegawai seringkali mengalami kesulitan dalam melakukan penemuan kembali data laporan yang akan digunakan sehingga menyebabkan pegawai harus mengerjakan ulang pekerjaannya. Penerapan aplikasi SIMDA sejak awal bertujuan untuk mempermudah kinerja pegawai khususnya dalam pelaporan baik itu pelaporan keuangan ataupun evaluasi kinerja pegawai setiap tahunnya.Penelitian ini bertujuan untuk menganalisis penerapan system input data SIMDA dan penggunaan informasi keuangan dalam meningkatkan kualitas laporan keuangan tahunan pada Dinas PUPR Provinsi Kepulauan Bangka Belitung. Penelitian menggunakan metode kuantitatif dengan pendekatan deskriptif. Analisis data dilakukan dengan uji asumsi klasik dan uji regresi linier berganda. Hasil penelitian menunjukkan bahwa nilai t bernilai positif. Hasil statistik uji t untuk variabel implementasi sistem input data dan penggunaan informasi keuangan diperoleh nilai signifikansi lebih rendah sehingga dapat dinyatakan bahwa tidak adanya pengaruh yang signifikan antara implementasi Sistem Input Data (X₁) terhadap Kualitas Laporan Keuangan Tahunan (Y). Hasil yang signifikan secara statistik lebih kecil dari toleransi kesalahan dimana Ha diterima berarti bahwa H₀ ditolak, sehingga dapat disimpulkan bahwa variabel Penggunaan Informasi Keuangan (X₂) berpengaruh signifikan terhadap variabel dependen Kualitas Laporan Keuangan Tahunan (Y). Hasil uji regresi linier dengan koefisien Adjust R Square menunjukkan bahwa terdapat hubungan yang tidak cukup kuat antara variabel-variabel independen dengan variabel dependen dikarenakan angka tersebut hampir mendekati angka 1.

Pengaruh Digital Marketing Dan Ragam Produk Terhadap Keputusan Pembelian Pada Pengguna E-Commerce Shopee Di Kota Pangkalpinang

2024-03-27T04:49:29+00:00

This research was motivated by the phenomenon of the digital-based marketing media development and the variety of products sold through digital marketing that have changed the people perspective especially those who are getting used to shopping online. This study aims to analyse and determine the effect of digital marketing and product variety on purchasing decisions for Shopee e-commerce users in Pangkalpinang City.

This research approach is a quantitative descriptive analysis a sample of 160 respondents. The sampling technique used probability sampling method with proportional random sampling technique. The analysis model used is multiple linear regression analysis.

Based on the results of the study, digital marketing research had a positive and significant effect on purchasing decisions, product variety had a positive and significant effect on purchasing decisions, and simultaneous test results of digital marketing and product variety together had a positive and significant effect on purchasing decisions for Shopee e-commerce users in pangkalpinang city. while the results of the analysis determination of the coefficients show the value of R Square (R²) is 0.413 or 41.3%. this means that the variation in the purchasing decisions variable is explained by digital marketing variables and product variety of 41,3% and the other variable, which is 58,7%, is explained through external variables of this study

Comparative Analysis of Customers Perceived Quality, Customer Experience and Service Quality at "Lain Hati" and "Temu Kopi" Coffee Shops in Pangkalpinang

2023-11-02T06:06:39+00:00

Business in the food and beverage industry, especially cafes and restaurants with various interesting concepts, is one sector whose business industry development condition is currently experiencing a significant increase. One of the forms is a coffee shop. A coffee shop is a venue associated with nicely set tables and chairs, comfy sofas, selling a variety of drinks and snacks as support, supported by music and a welcoming ambiance to make customer perceived quality, customer experience, and service quality at Coffee Shops Lain Hati and Temu Kopi Pangkalpinang. The population used in this study were customers of Coffee Shop Lain Hati and Temu Kopi Pangkalpinang. The sample was based on an accidental sampling technique which involved 100 respondents. The analysis method applied was a quantitative method with a comparative descriptive approach. The analysis technique employed was an independent sample t-test. The results showed that there were no differences in customer perceived quality, customer experience, and service quality at Coffee Shops Lain Hati and Temu Kopi Pangkalpinang.