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Ika, Paskah
Universitas Muhammadiyah Magelang
Economics, Econometrics & Finance

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PENGARUH MANFAAT DAN KEMUDAHAN PENGGUNAAN TERHADAP SIKAP POSITIF PENGGUNAAN INTERNET BANKING (SURVEY PADA PENGGUNA KLIK BCA SEMARANG) Willianto, Ayub; Ika, Paskah
Jurnal Analisis Bisnis Ekonomi Vol 8 No 2 (2010): Volume 8, Nomor 2, Oktober 2010
Publisher : Universitas Muhammadiyah Magelang

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Abstract

Internet Banking is one of the bank services that enable customers to obtain information, communicate and banking transactions with online system. This research aims to determine the factors that influence the intention to use internet banking by users using Technology Acceptance Model (TAM). The method used for collected data is purposive sampling method which classified as users of Internet Banking BCA in Semarang and the number of samples collected are 100 samples. The analytical technique in this research used multiple regression techniques. This research proved that the factors that influence the intention to use the Internet Banking is perception of usefulness and perceived ease of use. Taken together, the usefulness (U) and ease of use. Taken together, the usefulness (U) and ease of use (EOU) significantly affect on positive attitude of use (ATT). Te value of Adjusted R is 56.2%, it means that the attitude of internet banking users are explained by the variable usefulness (U) and ease of use (EOU) of 56.2%. While the rest of 43.8% explained by other variables.
PENGARUH RASIO CAR, NPL, NIM DAN GWM TERHADAP LABA BANK GO PUBLIC TAHUN 2005-2007 Anggreni, Kartika; Ika, Paskah
Jurnal Analisis Bisnis Ekonomi Vol 6 No 2 (2008): Volume 6, Nomor 2, Oktober 2008
Publisher : Universitas Muhammadiyah Magelang

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Abstract

Financial ratios are useful measures for explaining the future earning changes. In this research, there are four financial ratios comprise in four categories is used for explaining future earning changes. The objective of this research is to empirically examine whether financial ratios CAR, NPL, NIM dan GWM have ability for explaining future earning changes on banks go public period 2005-2007.This research is an improvement of Zainuddin and Hartono (1999). Sample used in this research are 52 banks go public period 2005-2007 listed in Bursa Efek Indonesia (BEI). There are two variables daa that are used in this research, independent variable and dependent variable. Independent cvariable data are CAR, NPL, NIM and GWM ratios. While, dependent variable data is future earning changes of the banks go public. The variables patterened in this research are tested using multiple regression method and include normality test, auto correlation test, heteroscedasticity test and multicolleniarity test. The result of his research show that CAR, NPL, NIM and GWM ratios does not have a significant influence on future earning changes of banks go public period 2005-2007. While partial, NPL just the ratio that has a significant influence on future earning changes of banks go public period 2005-2007.
Co-Authors Anggreni, Kartika Willianto, Ayub