20 research outputs found
Analisis Persepsi Nasabah Bank di Indonesia dalam Penggunaan Internet Banking: Modified UTAUT Model, Penerapan Persepsi Risiko, dan Keterampilan Internet
Get PDFABSTRAK
Pertumbuhan dalam penggunaan internet banking yang ada di masa depan akan semakin menggeser kegiatan perbankan tradisional, yang memiliki banyak kelemahan, seperti konsumsi waktu atau interaksi pribadi. Internet banking sendiri ternyata belum terlalu diminati oleh para nasabah bank di Indonesia. Nasabah telah menunjukkan keengganan untuk menggunakan layanan internet banking karena kekhawatiran tentang risiko serta keterampilan menggunakan internet dari nasabah memang tidak diperlukan akan tetapi dengan adanya internet banking hal tersebut yang menjadi faktor penting dalam penggunaan internet banking.
Pemahaman faktor-faktor terhadap kecenderungan nasabah dalam menggunakan layanan internet banking dikembangkan dalam sebuah model konseptual yang menggabungkan modifikasi UTAUT (unified theory of acceptance and use technology) model dan persepsi risiko dengan mengadopsi model teoritis C.Martins et al., (2014) dan keterampilan internet sebagai faktor tambahan yang menjelaskan niat perilaku dan penggunaan terhadap internet banking.
Penelitian ini menggunakan metode analisis SEM (Structural Equation Modeling) program AMOS 20.0 untuk menguji kausalitas dalam model yang telah diusulkan. Sampel dalam penelitian ini adalah nasabah bank di Indonesia yang belum menggunakan layanan internet banking. Teknik sampling menggunakan non probability sampling – kuota sampling. Dari kuesioner yang disebar diperoleh 315 kuesioner yang valid melalui survei offline dan online.
Berdasarkan hasil penelitian model keseluruhan, menunjukkan hubungan yang signifikan antara variabel perceived risks, performance expectancy, effort expectancy, behavioral intention, usage behavior, dan internet skill. Sedangkan evaluasi variabel multidimensional persepsi risko mengkonfirmasi bahwa faktor tersebut dapat dijelaskan oleh tujuh sub kontsruk.
Dalam penelitian ini minat prilaku dipengaruhi langsung oleh harapan usaha (Effort Expectancy) dan harapan kinerja (Performance Expectancy). Selanjutnya keterampilan internet (Internet Skill) memiliki pengaruh yang paling besar kedua terhadap harapan kinerja (Performance Expectancy). Bagi perusahaan perbankan untuk menciptakan strategi yang berbeda dalam memperkenalkan internet banking, menginformasikan kepada nasabah bagaimana manfaat fungsional internet banking. Serta Bank perlu menciptakan daya tarik penggunaan layanan internet banking dengan fitur-fitur yang transaksi finansial terbaru yang saat ini dibutuhkan nasabah.
Kata kunci : Internet Banking; Unified Theory of Acceptance and Use of Technology; second order factor perceived risks; keterampilan interne
Alasan Peninjauan Kembali Terpidana Terhadap Putusan Judex Facti Terdapat Kekeliruan Yang Nyata Atau Kekhilafan Menilai Pembuktian Dalam Memutus Perkara Narkotika (Studi Putusan Mahkamah Agung No.16 PK/Pid.Sus/2015)
Get PDFFebby Kartika Sari. E0013177. REASONS TO REVIEW THE DECISIONS JUDEX FACTI CONVICT CONTAINED IN REAL OR ERROR RATE OF EVIDENCE OVERSIGHT IN DECIDING THE CASE NARCOTICS (Study of The Supreme Court Decision No. 16 PK/Pid.Sus/2015). Faculty of Law Sebelas Maret University. This study aims to determine the reason for judicial review against the decision of Judex facti Convicted Bekasi District Court in deciding the case of Narcotics and the consideration of the Supreme Court granted the petition for Judicial Review and prosecute offenders in accordance with the provisions of the Code of Criminal Procedure. The method used is a normative legal research. Sources of legal materials used were the primary law and secondary law, legal materials analysis techniques using syllogisms and interpretation by using a pattern of deductive reasoning. Based on the results of research by the author, it is known that the reason for Reconsideration of the offenders in the case of narcotics have been qualified formal and material conditions in the form of Judex facti Bekasi District Court in examining and hear the case has done a manifest error or mistake in check in accordance with the provisions of Article 263 paragraph ( 1) and paragraph (2) letter c of the Criminal Procedure Code as well as the consideration of the Supreme Court granted the petition for Judicial Review Convicted justify the reason, cancel the Bekasi District Court No. 1349 / Pid.B / 2013 / PN.Bks and prosecute offenders reiterates been proven legally and convincingly guilty of committing the crime of "abuse of narcotics group I for myself" and dropped the lighter punishment to offenders narcotics case namely with imprisonment for two (2) years in accordance with the provisions of Article 266 paragraph (2) letter b points 4 Indonesia Criminal Procedure Code. Keywords: Reconsideration, Judex Facti, Crime Narcotic
Persepsi Nasabah Bank BCA Dalam Penggunaan Mobile Banking
Get PDFPenelitian ini menggunakan metode analisis SEM (Structural Equation Modeling) program AMOS 21.0 untuk menguji kausalitas dalam model yang telah diusulkan. Sampel dalam penelitian ini adalah nasabah bank di kota Padang yang sudah menggunakan layanan mobile banking. Teknik sampling menggunakan non probability sampling – kuota sampling. Dari kuesioner yang disebar diperoleh 250 kuesioner yang valid melalui survei offline dan online. Berdasarkan hasil penelitian model keseluruhan, menunjukkan hubungan yang signifikan antara variabel perceived risks, performance expectancy, perceived service quality,behavioral intention dan usage behavior. Dalam penelitian ini minat prilaku dipengaruhi langsung oleh harapan kinerja, persepsi kualitas jasa, serta persepsi risiko berpengaruh signifikan dan negatif terhadap niat berprilaku.
PERBANDINGAN KEKUASAAN KOMANDO OPERASI KHUSUS (KOOPSSUS) TENTARA NASIONAL INDONESIA (TNI) DENGAN DETASEMEN KHUSUS 88 (DENSUS 88) POLRI DALAM PENANGGULANGAN TERORISM DI INDONESIA
Get PDFIndonesia as a Unitary Sate which is the form of a Republic cannot escape of terrorism. This attacks were intended to divide the uniti of Republic of Indonesia. To overcome this treat, the govermnent estabkished the TNI's Special Operations Command (KOOPSSUS) to assist the special Detachement (Densus) 88 in over coming acts of terrorism. In thr formation of this KOOPSSus, there is concern that it will overlap with Densus 88. The reserach method used in this paper is normative legal research. The data used by author com from primary legal materials using the analys of deductive thingking. The results of this study indicate that there is an overlaping of authority between KOOPSSUS and Detachement 88 isn overcoming terrorism. This is because in the regulation it is not clearly and speciafically regulated how the ralationship between two the forces is tackling acts of trroris
Analysis of Intertextuality on Short Stories Entitled Hanya Isyarat by Dewi Lestari and Love by Guy De Maupassant
Get PDFThis study, which was conducted by two researchers, had the objective of analyzing the intertextuality of the short story literary works "Only Cue" by Dewi Lestari and "Love" by Guy De Maupassant. The research was conducted using a qualitative descriptive method with content analysis and literature study. The data in this study were obtained from data relevant to the problem or topic under study by conducting literature studies from several sources, for example research journals with several previous studies. The results of the study show that there are similarities in the themes and messages conveyed by the author, namely about love and sacrifice, although there are differences in the depiction of the characters in the story. The plot of the story also has differences, "Just a hint" uses a progressive plot while "Love" uses a "flashback" plo
Praktek Pinjam Meminjam Uang Di Desa Kuala Terusan Kecamatan Pangkalan Kerinci Kabupaten Pelalawan Ditinjau Dari Hukum Islam
No full textThe practice of lending and borrowing is between the community (muqtaridh) and the lender (muqridh), and it is agreed that an additional loan transaction will be carried out at the time of repayment of the loan from the community (muqtaridh), regarding the addition of the loan made at the time of the contract. Of course this is prohibited in Islamic law because any debt that takes advantage of it is usury. The formulation of the problems in this study are: (1) How is the practice of borrowing and borrowing money in the Pangkalan Kerinci District, Pelalawan Regency. (2) What is the Review of Islamic Law on the Practice of lending and borrowing money in the Pangkalan Kerinci sub-district, Pelalawan Regency. The author uses empirical or sociological legal research methods, namely direct field research. The nature of this research is descriptive, namely to provide an overview and analyze statements clearly and in detail. Data collection tools through interviews and observation. In this field study the data were then analyzed using qualitative methods with the deductive method used to draw conclusions. Based on the results of the study, the Muslim community in Terusan Baru Village, Pangkalan Kerinci District, Pelalawan Regency, in their lending and borrowing practices, what they often do is borrow money, where they often borrow money from several people in the village or they often refer to loan sharks. , people who lend, namely loan sharks and mobile cooperatives and people who receive loans, namely the Muslim community in the village of Terusan Baru, Pangkalan Kerinci District, Pelalawan Regency. In this loan agreement, it is promised that if the borrower does not pay, the collateral will be confiscated. Furthermore, the lending process is with mobile cooperatives where in the borrowing process there are similarities with moneylender services where the borrower (the people of Terusan Baru village) if they want to make a loan they say directly to the mobile cooperative. healthy or not crazy and can distinguish between good and bad things
Politik Hukum Agraria untuk Hak Atas Tanah Ulayat bagi Pemenuhan HAM dan Kepentingan Publik
Get PDFThe political direction of agrarian law with regard to customary law and customary rights (beschikkingsrecht) of indigenous peoples during the Dutch colonial period wanted to unify and codify land law that applied to all groups of people based on the principle of concordance, but failed miserably, so that the pluralism policy was still applied. The current problem is in contemporary Indonesia, so it can be predicted that the prospect of pluralist customary rights of indigenous peoples must be maintained because it is in line with the mandate of the constitution in the upcoming reform era in the face of globalization by combining with efforts to reform agrarian law and land law through research on the political direction of customary rights law for the fulfillment of human rights or the public interest, The research method used by the author to conduct research is Juridical Nomaritf, the results of research in this study need to be followed up by mapping customary rights according to the rules of Geodesy, so that it is clear the extent of customary rights areas in the archipelago and ultimately can contribute to supporting the existence and legal certainty of customary rights in particular and land law for the public interest which will provide fulfillment of human rights
PERTIMBANGAN HAKIM TERHADAP TINDAK PIDANA KEKERASAN BERSENJATA TAJAM PADA KALANGAN REMAJA YANG MENGAKIBATKAN TERLUKANYA ORANG LAIN
Get PDFThis thesis proposes the judge's consideration of violent armed violence against adolescents
which results in injury to others. This study aims to determine the basis for judges in dropping judgment
in ruling Number 14 / Pid. Sus-Anak / 2019 / PN Yyk is in accordance with applicable regulations.
This research is a normative legal research in which the research focuses on positive legal norms in the
form of laws and regulations. The research approach uses a law approach and case studies. The type of
research data is secondary data with primary legal materials, secondary legal materials and tertiary legal
materials. Data collection techniques in the form of literature study and data analysis techniques used
deductive thinking methods.
Arrangements for sharp armed violence that result in the injury of others are contained in the Criminal
Code (KUHP) Article 170 paragraph (2) concerning criminal sanctions of violence, Law Number 11 of
the Year 2012 concerning the Juvenile Justice system. Judge's decision in case Number 14 / Pid.Sus-Anak
/ 2019 / PN Yyk is right in the application of the article, the author agrees in the judge's consideration in
imposing criminal sanctions on the offender which is in accordance with the provisions
KESESUAIAN KENYATAAN DAN HARAPAN KUALITAS PELAYANAN KLAIM ASURANSI PADA PT JASARAHARJA PUTERA PALEMBANG MENURUT PERSEPSI PELANGGAN
Get PDFThe title of the report is the suitability of the reality and expectation of service quality insurance claims on PT Jasaraharja Putera Palembang according to customer perception. The report conduted to known percent of the reality and expectation, the suitability of the comparison between realitiy and expectations, and insurance claims service quality dimensions that must be improved and maintained by PT Jasaraharja Putera Palembang. The object of this report is PT Jasaraharja Putera Palembang on the part of insurance claims. The author used questionnaires, interview, and research libraries in data collection. The analysis technique used are quantitative and qualitative techniques. The result showed the quality of claims service with an average based on the fact that 73,98% and 90,25% expectation that, because having a high suitability of 81,92% and the fact of 9.247 is smaller than the expectations of 11.281 so that said the performance of employees who do not meet customer expectations and there are several dimensions that should be improved and mantained. The authors suggest the company should pay attention to the fact that the services provided in accordance with customer expectations to created a good perception to the customers so that the customer are satisfied with the quality of service of the company by the company must increase and maintain the multiple dimensions of service quality insurance claim
PERUMUSAN USULAN PERBAIKAN KUALITAS SEPATU RUNNING MENGGUNAKAN METODE FMEA DAN FTA
No full textJika membutuhkan abstrak atau isi jurnal silahkan menghubungi author melalui email [email protected], [email protected], [email protected]
