The use of financial technology is familiar to the people of Bandung City, especially in digital payments. This study aims to determine the effect of perceived ease of use on customer loyalty to financial technology users in Bandung. The data in this study were obtained through questionnaires distributed through social media platforms and the data obtained would be analyzed using simple linear regression with SPSS. The results of this study prove that the perception of convenience has a positive effect on user loyalty by 38.3%. This study is also expected to provide benefits to financial technology companies in order to improve their services.
The agricultural sector still becomes a source of household income in rural areas, although its role tends to decrease. In the period 2011‒2015, the number of agricultural workers decreased about 1% per year and is inversely proportional to the increasing Indonesian labor, which reached an average of 1.2% per year. Several leading causes of labor decreases are migration and productivity issues in the agricultural sector. This paper aims to determine migration and labor productivity dynamics in three-time points in villages on Panel Petani Nasional Program (PATANAS) located at three agroecosystems: plantation, secondary crop, and vegetable. Amount of respondents in each agroecosystem were 312, 232, and 121 farmers. Data analysis was presented descriptively. The results of the study indicated that labor productivity varies between agroecosystems. The highest increase in productivity occurred in vegetable, then secondary crop, and plantation. Labor productivity in the agricultural sector is inversely proportional to the migration on an agroecosystem. There is not excessive migration in the vegetable agroecosystems since labor productivity is highest than the others. There is a phenomenon of increasing working family members followed by an increase in the number of migrations. This phenomenon negatively impacts the agricultural sector because there is no increase in the number of workers in the agricultural sector. There is a trend for young people in PATANAS villages to undertake permanent migration. Increasing labor productivity in rural areas predicted could reduce labor migration. Efforts that can be created are gradually encouraging off-farm and non-farm activities, including small-scale agro-industries.
Jumlah investor pasar modal di Indonesia berkembang pesat dari tahun ke tahun. Namun masih banyak investor yang belum memperhatikan berbagai faktor sehingga banyak yang mengalami kerugian akibat kurangnya pengetahuan dalam berinvestasi. Untuk menghindari risiko investasi, investor harus melakukan analisis fundamental perusahaan dengan menganalisis internal perusahaan. Penelitian ini menggunakan beberapa indikator yaitu profitabilitas, leverage, dan kebijakan dividen. Indikator ini digunakan untuk melihat seberapa besar pengaruhnya terhadap nilai perusahaan dilihat dari harga sahamnya. Sampel yang digunakan dalam penelitian ini terdiri dari 24 perusahaan yang terdaftar dalam Indeks LQ45 di Bursa Efek Indonesia (BEI) periode 2015-2019 yang dipilih dengan menggunakan metode purposive sampling. Teknik analisis yang digunakan dalam penelitian ini menggunakan analisis regresi linier berganda dengan bantuan program SPSS 25. Hasil penelitian menunjukkan bahwa profitabilitas dan kebijakan dividen berpengaruh positif dan signifikan terhadap nilai perusahaan. Leverage berpengaruh negatif dan signifikan terhadap nilai perusahaan. Sedangkan secara simultan profitabilitas, leverage, dan kebijakan dividen berpengaruh signifikan terhadap nilai perusahaan. Oleh karena itu, indikator-indikator tersebut dapat dijadikan sebagai salah satu pertimbangan investor dalam mengambil keputusan investasi saham.
Tax is one of the largest and most important sources of state revenue that is used for the benefit of the community. However, in practice, the number of taxpayers who pay and report taxes has been often not in accordance with government targets, especially at the Bojonagara Tax Service Office (KPP) the compliance of individual taxpayers in paying and reporting taxes is still relatively low, especially from 2018-2020. Then this study aims to determine whether knowledge of taxation, self-assessment system, and tax sanctions can affect taxpayer compliance, especially individual taxpayers registered at KPP Bojonagara. This research was conducted in KPP Pratama Bojonagara Bandung, especially on individual non-employed taxpayers using a quantitative approach. In collecting the required data, the author uses a questionnaire as a research instrument. Then the sampling technique in this study using non-probability sampling, namely convenience sampling. The results of this study partially show that Tax Knowledge has a significant and negative effect on taxpayer compliance, Self Assessment System has a significant and positive effect on taxpayer compliance, Tax Sanctions have a significant and positive effect on taxpayer compliance. Simultaneously, Tax Knowledge, Self Assessment System, and tax sanctions have a significant effect on taxpayer compliance.
Pengaruh tingkat kepercayaan kepada teknologi sistem-informasi-baru diduga akan memengaruhi peningkatan kinerja individual. Peluncuran fasilitas internet, sebagai teknologi sistem-informasi-baru di lingkungan kampus Politeknik Negeri Bandung, menjadi dasar penelitian. Tujuan penelitian ini adalah untuk mengetahui pengaruh teknologi sistem-informasi-baru terhadap kinerja individu dan pengaruh tingkat kepercayaan kepada teknologi sistem-informasi-baru terhadap kinerja individu mahasiswa Jurusan Akuntansi, Politeknik Negeri Bandung. Metode penelitian yang dipakai adalah studi kasus dengan analisis kausalitas (causal relationship). Data yang peroleh merupakan data primer dari mahasiswa sebagai responden dengan mengisi kuesioner penelitian. Analisis data dengan menggunakan regresi berganda, yakni menguji hipotesis yang diajukan. Setelah melalui analisis dan pembahasan, disimpulkan bahwa kepercayaan kepada teknologi sistem-informasi-baru dan penerapan teknologi sistem-informasi-baru mempunyai pengaruh positif dan signifikan terhadap kinerja individu. Dari analisis, diperoleh bahwa 25,3% kinerja individual dipengaruhi oleh kepercayaan kepada teknologi sistem-informasi-baru dan penerapan teknologi sistem-informasi-baru, sedangkan sisanya sebesar 74,7 % dipengaruhi oleh variabel lain yang tidak diamati oleh peneliti. Kata kunci: tingkat kepercayaan, teknologi sistem-informasi-baru, peningkatan kinerja individual
This research was conducted at the Women's Community Improvement Cooperative (Permata) Kuningan Regency. The research purpose is to determine the results of financial performance at Permata Cooperative. The research method is descriptive quantitative with data collection techniques using interviews and documentation. Data source used comes from Permata Cooperative's financial statements for 2016-2020. Based on the results for capital aspect, Permata Cooperative obtained total score of 10.50 points with predicate "Sufficiently Normal". For aspect of productive asset quality, obtained a total score of 24 points with predicate "Normal". For efficiency aspect, total score of 9 points was obtained with predicate "Normal". For liquidity aspect, it received the title "In Special Observation" with a score of 5 points in 2016-2019 and 3.75 points in 2020. Then for financial performance of Permata Cooperative, it obtained a score of 48.5 points for 2016-2019 and 47.25 points for 2020 with predicate "Sufficiently Healthy".
Dampak ekonomi pandemi Covid-19 terhadap UMKM (usaha mikro, kecil, dan menengah) masih berlangsung hingga tahun 2021 ini. Banyak UMKM yang merugi hingga gulung tikar karena menurun drastisnya penjualan akibat dibatasinya pergerakan masyarakat di luar rumah. Setelah pandemi berlangsung selama satu tahun, sudah seharusnya tahun 2021 ini menjadi tonggak untuk bangkitnya kembali UMKM. Salah satu cara yang dapat dilakukan adalah dengan perluasan pemasaran melalui digital marketing. Digital marketing merupakan upaya penting yang dapat dilakukan untuk membantu pemasaran produk UMKM mengingat kondisi pandemi telah memaksa masyarakat untuk melakukan berbagai aktivitas secara online. Pelaku UMKM juga menghadapi masalah pajak. Tingkat kepatuhan pajak pelaku UMKM masih relatif rendah yang terlihat dari rendahnya jumlah pajak yang dibayarkan dan SPT (Surat Pemberitahuan Tahunan) yang dilaporkan. Masalah digital marketing dan kepatuhan pajak ini juga dialami oleh pelaku UMKM kuliner Kota Bandung yang tergabung dalam Koperasi WJS (Wirausaha Baru Jawa Barat Sejahtera). Oleh karena itu solusi yang diberikan adalah dengan melaksanakan program PkM (Pengabdian kepada Masyarakat) untuk meningkatkan pengetahuan dan keterampilan teknik digital marketing dan perpajakan bagi anggota Koperasi WJS pelaku UMKM kuliner Kota Bandung. Metode yang digunakan adalah pelatihan dan pendampingan secara online. Evaluasi akhir yang dilakukan setelah pelatihan menunjukkan bahwa pengetahuan dan kemampuan peserta mengenai digital marketing dan perpajakan telah meningkat dibandingan sebelum pelatihan.
This paper examined indicators of women’s gender development in three dimensions in Java: healthy life, knowledge, and standard of living. The analysis method used panel data to determine which factors need to be improved to increase GDI and K-Mean clustering to minimize variation among cluster data and maximizes variation with data from other clusters. The study’s objective focused on the island of Java based on district-level data, using BPS Sakernas Data from 2010 to 2020. The main results showed that the GDI of East Java and West Java provinces is below the national average. Although West Java has a low GDI, it has a moderately rapid GDI growth. East Java province has slow growth and should be a priority in gender development. An increase of 1% in women’s revenue will increase GDI by 0.09%, and a 1% increase in women’s education will increase GDI by 0.14%. The implication of this research to obtain policy recommendations includes improving women’s education and healthcare facilities and providing exceptional training for women to enhance their skills.
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