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All Journal AKUNTABILITAS: Jurnal Penelitian dan Pengembangan Akuntansi TECHNOBIZ : International Journal of Business Muria Jurnal Layanan Masyarakat COMMENT: Journal of Community Empowerment Dharma Jnana Jurnal REP (Riset Ekonomi Pembangunan)
Izza Ashsifa
Universitas Muria Kudus
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Journal : TECHNOBIZ : International Journal of Business

 1 
Pengaruh Non Performing Loan (NPL) , BOPO dan Ukuran Perusahaan Terhadap Return On Assets (ROA) Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia (BEI) Nur Khamisah; Dhiona Ayu Nani; Izza Ashsifa
TECHNOBIZ : International Journal of Business VOL 3, NO 2 (2020) : OKTOBER
Publisher : Universitas Teknokrat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/tb.v3i2.836

Abstract

The study entitled Analyzed Influencing Non-Performing Loan (NPL), BOPO and Size on Return On Assets in regional development banks Indonesia during period 2010 through 2013. This research is performed in order to test the influence of the variable Non-Performing Loan (NPL), BOPO and Firm Size toward Return on Assets (ROA) simultanously and partially. Obtained by amount sample as much 24 company banking company in Indonesia 2010-2013 period. The sample was selected using purposive sampling method. The data collected will be analyzed using multiple linear regression with and using SPSS 19 for Windows. The results showed that non-performing loan, BOPO and Size simultaneous effect on return on assets. The partially that non-performing loan ratio is partially negative but unsignificant effect on return on assets, BOPO significant and negative effect on return on assets and Size ratio is partially positive and unsignificant effect on return on assets
PENGARUH TECHNOLOGY ACCEPTANCE MODEL (TAM) TERHADAP KEPUASAN PELANGGAN DAN NIAT PENGGUNAAN MOBILE BANKING SECARA BERKELANJUTAN (PRIVASI DAN PERSONALISASI SEBAGAI VARIABEL MODERASI) Izza Ashsifa
TECHNOBIZ : International Journal of Business VOL 3, NO 1 (2020) : APRIL
Publisher : Universitas Teknokrat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/tb.v3i1.644

Abstract

Meningkatnya penggunaan smartphone memungkinkan pengguna untuk mengakses akun perbankan online di manapun dan kapanpun. Aksesibilitas tersebut merupakan keuntungan bagi bank-bank besar. Penting untuk disoroti bahwa jumlah klien yang beroperasi melalui perbankan online tidak meningkat sebanyak yang diharapkan. Beberapa aspek seperti kurangnya kepercayaan terhadap sistem, perlakuan impersonal atau kurangnya keamanan dan perlindungan privasi, kurangnya personalisasi yang efektif telah menyebabkan keengganan dari banyak pelanggan untuk menggunakan aplikasi mobile banking tersebut. Tujuan dari penelitian ini adalah untuk mengisi kesenjangan literatur mobile banking menggunakan TAM dengan mengintegrasikan pengaruh privasi dan personalisasi terhadap kepuasan pelanggan dan niat penggunaan layanan mobile banking secara berkelanjutan. Teknik pengumpulan data pada penelitian ini menggunakan online survey dengan membagikan kuesioner secara online kepada pengguna mobile banking di Indonesia. SEM-PLS digunakan untuk menguji hipotesis model dengan jumlah sampel 407. Hasil penelitian menunjukkan bahwa perceived usefulness dan perceived ease of use berpengaruh positif terhadap kepuasan pelanggan. Privasi berpengaruh negatif terhadap kepuasan pelanggan sedangkan personalisasi tidak berpengaruh terhadap kepuasan pelanggan. Kepuasan pelanggan dapat menentukan niat penggunaan mobile banking secara berkelanjutan.  Kata Kunci: Technology Acceptance Model (TAM), privasi, personalisasi, kepuasan pelanggan, mobile banking
ANALISIS RASIO KEUANGAN TERHADAP FINANCIAL DISTRESS DENGAN UKURAN PERUSAHAAN SEBAGAI VARIABEL MODERASI Izza Ashsifa; Muhammad Teguh Kuncoro; Naila Rizki Salisa
TECHNOBIZ : International Journal of Business VOL 6, NO 1 (2023) : APRIL
Publisher : Universitas Teknokrat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/tb.v6i1.2705

Abstract

This study aims to analyze financial ratios' ability to predict a company's financial distress. The data used are data on industrial sector companies listed on the Indonesia Stock Exchange (IDX) in 2019-2021 with a total sample of 108 samples. The dependent variable, financial distress, is measured using the interest coverage ratio (ICR) indicator. Independent variables, liquidity measured using the current ratio (CR), profitability using return on assets (ROA), and leverage measured using the debt-to-equity ratio (DER). The moderation variable in this study is company size. This study used logistic regression analysis and MRA. The results of the study using logistic regression tests showed that leverage had a positive effect on financial distress, while liquidity and profitability did not affect financial distress. Based on the MRA test, company size is able to moderate the effect of leverage on financial distress. In contrast, the company size is unable to moderate the effect of liquidity and profitability on financial distress. This research contributes to investors who can use this model by incorporating financial ratio indicators to assess a company's financial health before making investment-related decisions Keywords: financial distress, liquidity, profitability, leverage, company size
Co-Authors Affan Wazzar Achmad Alfiyani Nur Hidayanti Dhiona Ayu Nani Evana Andriani Febra Robiyanto, Febra Khamisah, Nur Muhammad Teguh Kuncoro Muhammad Teguh Kuncoro Naila Rizki Salisa Salisa, Naila Rizki Ulva Rizky Mulyani Zuliyati Zuliyati