Claim Missing Document
Check
Articles

Found 2 Documents
Search

DETERMINANTS OF THE USE OF BRI INTERNET BANKING ADOPTION: A STUDY ON POLITEKNIK NEGERI SEMARANG STUDENTS Cindy Maycherles; Moh Muslikh
KEUNIS Vol 9, No 1 (2021): JANUARI 2021
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3139.629 KB) | DOI: 10.32497/keunis.v9i1.2167

Abstract

The purposes of this research are to analyze and obtain empirical evidence on the effect of usefulness perception, ease perception, and risk perception toward the use of BRI Internet banking in (Politeknik Negeri Semarang) Polines students both simultaneously and partially. The population of this research was Polines students of all departments from 2017 to 2019 as customers of BRI Internet banking users with a sample of 87 respondents. The research used primary and secondary data. The data analysis model uses the Multiple Linear Regression Analysis Model while the data analysis technique uses F Test, t Test, and R2 Test. The results of the discussion analysis shows that the variables of usefulness perception and ease perception have a significant effect toward the use of Internet banking while variable of risk perception has no significant effect toward the use of Internet banking.
THE ANALYSIS TOWARDS PROFITABILITY OF COMMERCIAL BANKS IN INDONESIA (PERIOD OF 2016-2020) Sheila Maharani Islamidinna; Suryani Sri Lestari; Moh Muslikh
Applied Accounting and Management Review (AAMAR) Vol 1, No 1 (2022): APPLIED ACCOUNTING AND MANAGEMENT REVIEW (AAMAR)
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (217.616 KB) | DOI: 10.32497/aamar.v1i1.3901

Abstract

The research aims is to analyze the Profitability (Return on Asset) of Commercial Banks in Indonesia Period of 2016-2020 bu using Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR), and Net Interest Margin (NIM) as the independent variabels. The population used are 7 Commercial Banks in Indonesia that enter the group of Commercial Banks Business Activities 4 (BUKU 4) Period of 2016 up to 2020. While the sampling was done by puposive sampling technique, using quantitive data and secondary data. In this research the model used is Multiple Linear Regression Analysis using IBM SPSS 25 Statistics. The results and discussion showed that CAR, LDR, and NIM simultaneously have significant effect towards ROA. Furthermore, CAR and NIM have a significant effect, while LDR has no significant effect towards ROA in Commercial Banks Business Activities 4 (BUKU 4). Then, Determination Coefficient Test ( Adjusted R2) obtained the result is 41.9% which showed the contribution of Independent Variables in explaining Dependent Variables, and 58.1% is effected by other variables that are not examined in this research.