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All Journal KEUNIS Indonesian Journal of Banking and Financial Technology (FINTECH)

R. Gunawan Setianegara

Politeknik Negeri Semarang

Author-ID : 3129121

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS PENGARUH PERSEPSI MANFAAT, PERSEPSI KEMUDAHAN, DAN KEAMANAN TERHADAP MINAT NASABAH MENGGUNAKAN MOBILE BANKING (Studi Kasus pada PT Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Semarang Pandanaran) Margaretha Oktavia Pranoto; R. Gunawan Setianegara
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research is motivated by the phenomenon of competition in the banking industry in increasing customers interest in using mobile banking. This research aims to analyze the perceived usefulness, perceived ease of use, and security on the interest in using mobile banking at the PT Bank Rakyat Indonesia (Persero) Tbk Branch Office Semarang Pandanaran.The purpose of this study is to describe and analyze the influence customer perceptions of the interest in using mobile banking. This research uses explanatory (explanation) with a quantitative approach, in which customers of Bank Rakyat Indonesia (BRI) branch Semarang Pandanaran as a population, whereas samples taken by 100 respondents were determined by specific criteria. Research results with the t test showed that the variable perceived of usefulness, perceived ease of use and security separately (partial) significantly affects the interest in using mobile banking. Test results also showed that the variables of perceived usefulness, perceived ease of use, and security jointly (simultaneously) significantly affects the interest in using mobile banking. The magnitude of the effect of variable perception of usefulness, perceived ease of use, and security against the interest in using mobile banking is equal to 76.5%, while the rest influenced by other variables that are not addressed in this study.

ANALISIS PENGARUH NIM, BOPO, LDR, DAN NPL TERHADAP PROFITABILITAS (Studi Kasus Pada Bank Umum Yang Listed Di Bursa Efek Indonesia Periode 2014-2018) Wulandari Danu Lestari; R. Gunawan Setianegara
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research aims to determine the effect of Net Interest Margin (NIM), Operation Expenses to Operations Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) toward Profitability (Case Study on the Commercial Banks that Listed in Indonesia Stock Exchange period 2014-2018).In this research the sampling technique used was purposive sampling technique and managed to obtained 13 banks. Secondary data used were obtained from financial reports published from the official website of the Otoritas Jasa Keuangan (OJK). Methods of data analysis used in this study is the analysis of multiple linear regression with a level of significance of 5%.The results showed that the variables NIM, BOPO, LDR, and NPL simultaneously have significant effect to Profitability. Based on the t-test results it can be concluded that the variables NIM and BOPO have significant effect while LDR, and NPL have not significant effect to Profitability. The results obtained by multiple linear regression analysis Adjusted R2 of 0.976, this shows that the contribution of independent variables in explaining the dependent variable is 97,6% and the remaining is explained by other variables that are not examined.

ANALISIS PENILAIAN TINGKAT KESEHATAN BANK DENGAN METODE RISK BASED BANK RATING PADA PT BANK DANAMON INDONESIA, Tbk PERIODE 2014-2017 Ardiani Hayumurti; R. Gunawan Setianegara
KEUNIS Vol 7, No 2 (2019): JULI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research is conducted to identify the bank health rating of PT Bank Danamon Indonesia, Tbk one private bank in Indonesia in the period of 2014-2017 using the Risk Based Bank Rating (RBBR) method whether the bank is classified into one of the 5 categories: very healthy, healthy, healthy enough, not healthy enough, and unhealthy. Risk Based Bank Rating (RBBR) method is used to assess the health rating of bank based on 3 factors, i.e. Risk Profile, Earning, and Capital. This assessment with RBBR Method is done based on SEOJK Number14/SEOJK.03/2017 about the health assessment of conventional banks. The result of this research shows that: first, based on the credit risk aspect, the credit risk is low to moderate. Second, based on the liquidity risk aspect, the liquidity risk is healthy enough. Third, based on the remunerativeness seen by ROA and NIM ratio, the profitability is very adequate. Fourth, based on capital seen by KPMM or CAR ratio, the capital is very adequate

PENILAIAN KINERJA RETURN PENGELOLAAN ASSET PERBANKAN (Studi Komparasi Pada Bank Umum Swasta Nasional Devisa dan Bank Asing) Winarni Winarni; Embun Duriany Soemarso; Sri Widiyati; R. Gunawan Setianegara; Nurseto Adhi
KEUNIS Vol 10, No 2 (2022): JULY 2022
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This study tried to analyse perfomance evaluation of banking asset management returns based on fundamental and macro factors from BUSND and foreign bank. This research also analyse the different of banking asset management Performance on BUSND and Foreign Bank. Multiple regression analysis method, F significance test, coefficient of determination and t significance test was used in This research. In order to find out the difference in asset return management between BUSND and foreign banks, a Chow-test was carried out.This study simultaneously found that fundamental factors proxied by the ratio of CAR, NIM, BOPO, LDR, and macro factors using SBI interest rates and exchange rates had a significant effect on ROA both in BUSND and foreign banks. In BUSND the independent variables for fundamental factors that have a significant effect on ROA are CAR, NIM, BOPO, and macro factors, namely the SBI interest rate, for foreign banks the results of the independent variables for fundamental factors that affect ROA are CAR, BOPO, and LDR . For the results of the Chow test, it was found that there was a significant difference between BUSND and foreign banks in terms of managing returns from the placement of bank assets (Return On Assets).

Analysis of Banking Performance and Risk in Indonesia during the Covid-19 Pandemic Nurseto Adhi; Sri Widiyati; Winarni; Embun Duriany Soemarso; R. Gunawan Setianegara
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 2 (2023): April 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i2.4787

The banking sector has experienced a decline in demand for credit and a lack of disbursement, which has had an impact on the income of bank credit borrowers. Knowing the financial performance of banks during the Covid-19 pandemic can provide a good explanation of the problems faced by the banking sector. The analysis used in this study was a comparative comparison of two observations using a paired sample T-test. The variables used in this study are ROA, ROE, BOPO, LDR, CAR and NPL. This research found that the Covid-19 pandemic affected the decline in bank performance in general. This can be seen in the values of ROA, ROE, RORA, NPM, LDR, and NIM which have decreased in value before and after the pandemic. This research also found that the COVID-19 pandemic increased bank risk during the pandemic. This can be seen in the BOPO and KPMM variables which have increased from before and after the pandemic.

Co-Authors Ardiani Hayumurti Embun Duriany Soemarso Margaretha Oktavia Pranoto Nurseto Adhi Nurseto Adhi Sri Widiyati, Sri Winarni Winarni Winarni Wulandari Danu Lestari

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