E-Journal Politeknik Negeri Samarinda
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PENGARUH FITUR LAYANAN, MANFAAT DAN KEAMANAN TERHADAP KEPUASAN NASABAH MENGGUNAKAN APLIKASI DALAM GENGGAMAN (DG) BANKALTIMTARA CABANG TENGGARONG
Get PDFThis study aims to determine the Effect of Service Features, Benefits and Security on Customer Satisfaction Using the Application in Denggaman (DG) Bankaltimtara Tenggarong branch. This study used a quantitative approach, using primary data through questionnaires. The respondents in this study were Bankaltimtara Tenggarong branch customers with qualifications who used the Bankaltimtara In Hand Application (DG). The Independent Variables used in this study were Service Features, Benefits and Safety. While the dependent variable in this study is Customer Satisfaction. In this study, the analysis tool used was multiple linear regression with the help of Software Statistical Product and Servies Solutions (SPSS) version 20. This study used multiple linear regression analysis with the equation Y = 3.672 + 0.332 X1 + 0.545 X2 + 0.166 X3. The regression coefficient of the service feature variable (X1) has a calculated value of ttable > (4.523 > 1.977) with a significant value of 0.000 < 0.05. The benefit variable (X2) has a calculated value of > ttable (9.021 > 1.977) with a significant value of 0.000 < 0.05. The security variable (X3) has a calculated value of > ttable (2.797 > 1.977) with a significant value of 0.006 < 0.05. Then it can be concluded that H1, H2 and H3 are accepted. The results of this study also show that the value of fcalculate is greater than the ftable of (53.745 > 3.060) supported by a significant value of 0.000 < 0.05, then H0 is accepted and H4 is accepted so that it can be concluded that the variables of service features, benefits and security simultaneously have a positive and significant influence on customer satisfaction using the Bankaltimtara Tenggarong Branch In Hand Application (DG)
PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN, DAN PENANGANAN KELUHAN TERHADAP KEPUASAN NASABAH PADA PT BANK NEGARA INDONESIA, Tbk KANTOR CABANG SAMARINDA
Get PDF"The Influence of Product Quality, Service Quality and Complaint Handling on Customer Satisfaction at PT Bank Negara Indonesia, Tbk Samarinda Branch Office" Department of Accounting, Finance and Banking Study Program, Samarinda State Polytechnic, Under the guidance of Mr. Yunus Tulak Tandirerung, SE., M.SA, as the first Advisor and Mrs. Sailawati, S. ST., M.Sc, as the second Advisor. The purpose of this study was to determine the effect of product quality, service quality and complaint handling on customer satisfaction at PT Bank Negara Indonesia, Tbk Samarinda Branch Office either partially or simultaneously. The data collection method uses a questionnaire with The number of research samples is 114 respondents. The analytical tools used are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression analysis test, t test, F test, and R2 test. The results showed that partially product quality, service quality and complaint handling had a positive and significant effect on customer satisfaction. Simultaneously product quality, service quality and complaint handling have a positive and significant effect on customer satisfaction with a significance value of 0.000 <0.0
PENGARUH LITERASI KEUANGAN, HERDING, DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN INVESTASI MAHASISWA POLITEKNIK NEGERI SAMARINDA
No full textThe purpose to be achieved in this study was to determine the effect of financial literacy, herding, and risk perception on investment decisions of Samarinda State Polytechnic student. This research method uses quantitative research with primary data obtained from distributing questionnaires of Samarinda State Polytechnic student class of 2020 and 2021 with a sample size of 130 respondents using Purposive Sampling technique. The results showed that partially the variables of financial literacy, herding, and risk perception had a significant effect on the investment decisions of Samarinda State Polytechnic students. In the results simultaneously the variables of financial literacy, herding, and risk perception have a significant effect on the investment decisions of Samarinda State Polytechnic students
FAKTOR-FAKTOR YANG MEMENGARUHI KEPUTUSAN MAHASISWA POLITEKNIK NEGERI SAMARINDA MENGGUNAKAN QRIS SEBAGAI ALAT PEMBAYARAN DIGITAL
No full textTechnological developments especially in the financial sector, have changed the process of cash transactions to non-cash.. One of them is by creating the Quick Response Code Indonesian Standard (QRIS). The purpose of this study is to find out whether there is an influence of lifestyle, security, and risk perception on the decision of Samarinda State Polytechnic students to use QRIS as a digital means of payment. This study is a quantitative research with primary data obtained from the distribution of questionnaires to all students of the Samarinda State Polytechnic with a sample of 112 respondents. The sampling technique uses the Purposive Sampling technique. The analysis method used in this study is multiple linear regression analysis with a testing tool, namely IBM SPSS version 23. In the results of simultaneous testing, the variables of lifestyle, security, and risk perception have a positive and significant effect on students' decision to use QRIS as a digital payment tool.
 
VAT Rate Structures in Theory and Practice
No full textMost countries’ value-added tax (VAT)
systems apply reduced VAT rates to a selection of
expenditure items in order to achieve distributional goals,
and (to a lesser extent) social and cultural objectives.
This paper assesses the case for applying reduced VAT rates,
with a particular focus on OECD countries where reduced
rates feature prominently. It examines both the theoretical
and empirical evidence, as well as practical considerations,
and concludes that the case for reduced VAT rates is weak.
In particular, the optimal indirect tax literature finds no
redistributive role for reduced VAT rates when other more
direct instruments are available. These theoretical findings
are supported by the empirical literature that shows reduced
VAT rates to be a poorly targeted means of supporting lower
income households, particularly when compared to targeted
cash transfer programs. Similarly, reduced VAT rates are
unlikely to be a well-targeted way to encourage consumption
of merit goods, while they also create significant
administrative complexity. These findings have significant
implications for tax reform in both developed and developing
economies. In particular, where countries have the
administrative capacity to implement effectively targeted
cash transfer programs, they should use these programs to
support poorer households instead of reduced VAT rates
Fiscal Capacity Estimation to Incentivize Subnational Tax Effort
No full textThis paper discusses the application
of the conceptual framework for potential revenue estimation
using Indonesia’s existing macroeconomic indicators. The
authors find that Gross Regional Domestic Product (GRDP),
population, and urbanization rate are good predictors for
most tax sources. These three indicators also predicted the
total district’s OSRs well, providing an empirical
foundation for an aggregated macro-based model to estimate
all OSRs using the abovementioned variables. The rest of the
paper is structured as follows: section 1 provides a
description of Indonesia’s system of intergovernmental
transfers and subnational taxation. It shows subnational
fiscal reliance on transfers rather than OSRs. Section 2
makes the case for reforming the DAU formula and explains
recent efforts by the Government of Indonesia on that front.
Section 3 discusses the limited existing empirical
literature on estimating potential revenues for transfers
formula. Section 4 explains and applies our conceptual
framework for potential revenue estimation. It also provides
the empirical justification to use an aggregated approach to
estimation rather than estimating each individual tax base.
Section 5 applies the aggregated approach to estimating
potential revenues. Section 6 discusses the equity
implications and makes the case for using district fixed
effects. Finally, section 7 provides a conclusion of this paper
ID4D Diagnostic of ID Systems in Angola
No full textIn Angola, identification is a
critical tool for accessing public services and facilitating
inclusion and participation in local economic development.
Birth registration is mandatory to obtain a National
Identity (ID) card, which is a prerequisite for accessing
numerous public services, including education, municipal
administrative services, paying municipal fees, registering
properties and vehicles, applying for a job, opening a bank
account, or requesting a loan, among others. Since 2002, the
Government of Angola has made great strides toward
modernizing and expanding access to civil registration and
identification through registration campaigns, adopting a
modern ID card, and efforts to simplify procedures and
digitize services. Nevertheless, significant barriers remain
to improving identification coverage and accessibility. As a
result, birth registration and identification are far from
universal, with substantial disparities along age,
rural-urban, gender, and socioeconomic divides. In the
context of Angola’s digital acceleration efforts, in which
it plans to digitalize public services and grow its digital
economy (and, critically, introduce a digital ID solution),
boosting ID coverage is critical to ensuring that
digitalization does not exacerbate exclusion. This ID4D
Diagnostic assesses the identification ecosystem in Angola
and proposes reforms based on international good practice
Climate Finance
No full textSince the 1980s, IFC has been a
critical player in climate business and continues to be a
leader in this space. IFC’s climate businessis focused in
the near term on five strategic areas – clean energy,
climate-smart cities, climate-smart agribusiness, green
buildings,and green finance. IFC is committed to working
with financial institutions to finance projects that will
support mitigation and adaptation. In addition, IFC has
committed to aligning 85% of its new investment projects
with the objectives of the Paris Agreement starting July 1,
2023, and 100% of these investments starting July 1, 2025
A Global Analysis of Extreme Weather Shocks on Firms
No full textUsing global data from the World
Bank’s Enterprise Surveys that includes the precise
geo-location of surveyed firms, this paper examines how dry
spells and precipitation shocks influence firm performance.
The study finds that firms in areas that experience dry
spells have lower performance in terms of sales. This is
particularly true for smaller firms and those in developing
economies. A higher number of extreme dry days also
increases the chances that a firm will exit the market. The
main channels are largely through labor productivity and
infrastructure service disruptions such as water and power
outages. There is also some evidence of limited access to
finance due to negative precipitation shocks. Governance may
be an exacerbating factor, with negative precipitation
shocks increasing exposure to corruption. Yet, there is also
some indication that digitally connected and innovative
firms are more resilient to negative precipitation shocks.
Process innovation, website ownership, and use of technology
licensed from foreign firms mediate the effects of negative
precipitation shocks on firm performance. However, there is
little evidence of adaptation. Negative precipitation shocks
have no effect on the presence of green management practices
or green investments for a subset of firms for which such
data is available
Household and Firm Exposure to Heat and Floods in South Asia
No full textClimate change is increasing
household exposure to extreme heat, floods and other natural
disasters. This paper examines the differential exposure of
poorer households to heat and floods in South Asia. The use
of spatially detailed data on climate shocks and relative
wealth allows the analysis in this paper to capture highly
localized variation in wealth, heat and floods. It finds
that poorer South Asian households experience more heat than
better-off ones. In urban areas, poorer households also
experience more recurrent flooding. Using spatially detailed
data on the universe of firms in India, this paper also
finds that smaller firms are more exposed to heat and
flooding. The paper concludes by discussing potential
mechanisms that could explain these disparities in exposure
to climate shocks