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ANALYSIS OF THE INFLUENCE OF SELF-EFFICACY, PERCEIVED EASE TO USE, PERCEIVED BENEFITS, AND PERCEIVED RISK, ON INTENTION TO USE DIGITAL PAYMENT APPLICATIONS IN YOGYAKARTA

The flow of technological developments in recent decades has experienced rapid progress and has triggered the emergence of many innovations in various fields, one of which is in the financial sector. A form of innovation in the financial sector is starting to change the way of paying digitally, using digital payment applications. This development was not immediately accepted by society. Based on this problem, this research aims to determine the intention to use digital payment applications in Yogyakarta using the Technology Acceptance Model (TAM) theory, namely self-efficacy, perceived ease of use, perceived benefits, perceived risk. This research used quantitative methods, with 115 respondents from various levels of society in the city of Yogyakarta with a minimum age of 18 years. The data collection method in this research used a questionnaire, and the results obtained were tested using the Structural Equation Model via Smart PLS 4 software by testing 6 hypotheses. The research results show that self-efficacy has a positive influence on the perception of ease of use of digital payment applications in. Self-efficacy has a positive influence on perceived benefits. Self-efficacy has a positive influence on risk perception. Perceived ease of use has a positive influence on Intention to Use. Perceived usefulness has a positive influence on Intention to Use. Risk perception has a positive influence on Intention to Use.

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JOB RELEVANT INFORMATION ON GOVERNMENT MANAGERIAL PERFORMANCE: THE ROLE OF AFFECTIVE ORGANIZATIONAL COMMITMENT

This study aims to investigate the moderating effect of affective organizational commitment on job-relevant information (JRI) on government managerial performance. The inconsistent results regarding the impact of JRI on government managerial performance lead to differences in perceptions of JRI functions. The inconsistency of the research results is possible due to phenomena that have yet to be caught in previous studies. Based on the goal-setting theory, this study captured the construct of affective organizational commitment. The research used a quantitative method using a survey of 56 Regional Government Organizations (RGO) with 180 respondents in Pasuruan Regency, East Java, Indonesia. The sampling method used judgment sampling, which obtained as many as 180 respondents. Testing the research hypothesis was carried out using SmartPLS 4.0. The study results show that job-relevant information encourages the government managerial performance of regional apparatus. The existence of affective organizational commitment impacts improving government managerial performance. Moreover, the findings of this study indicate that affective organizational commitment can strengthen JRI's influence on the government managerial performance of the local government apparatus. This research shows that the affective organizational commitment possessed by officials can encourage the influence of job-relevant information to improve the managerial performance of local government officials

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COMPARATIVE HEALTH ANALYSIS OF INSURANCE COMPANIES OWNED BY BUMN DURING THE COVID-19 PANDEMIC IN INDONESIA

This research aims to analyze and compare the financial health of government-managed Sharia insurance companies, both Sharia and non-sharia, which are included in BUMN during the COVID-19 pandemic. The data collection method in this research used a sample of ten insurance companies. The sampling technique in this research used purposive sampling. The data analysis method in the study uses paired difference test analysis (paired sample t-test). This research shows that ratios based on liquidity, ROA, ROE, RBC, Sharia, and non-Sharia insurance show healthy finances but not solvency ratios. Then, Sharia insurance companies and non-sharia state-owned companies have the same level of financial health. The limitations of this research are that several insurance companies need to have complete data used in research for two years because they look at financial health during the COVID-19 pandemic, the use of financial ratios in assessing the health of insurance companies still does not reflect the overall financial health condition, and the research sample is limited. It is hoped that future research can add operational and administrative aspects using quantitative and qualitative approaches, which have never been done so far, so the results will be better.

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