Layanan perbankan digital (digital banking) merupakan sebuah inovasi perbankan dalam memberikan pelayanan cepat yang bisa diakses kapan dan dimana saja kepada nasabah. Layanan perbankan digital dapat mempermudah nasabah dalam melakukan pembukaan buku rekening, transaksi perbankan, registrasi, komunikasi, dan penutupan rekening. Terkait dengan ini mutu atau kualitas layanan digital banking tentunya akan berdampak kepada kepuasan nasabah.Penelitian ini bertujuan untuk mengetahui sejauh mana pengaruh kualitas digital banking mempengaruhi kepuasan nasabah pada BNI Syariah KC Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan pengambilan sampel menggunakan metode non-probability Sampling. Alat analisisnya menggunakan analisis regresi linier berganda. Hasil penelitian dengan pengujian hipotesis menunjukkan bahwa variabel kualitas desain website, kualitas informasi website, accuracy, speed, dan security secara simultan berpengaruh terhadap kepuasan nasabah pengguna digital banking pada BNI Syariah. Secara parsial variabel kualitas desain website dan kualitas informasi website tidak berpengaruh terhadap kepuasan nasabah pengguna digital banking pada BNI Syariah. Sedangkan variabel accuracy, speed, dan security berpengaruh signifikan terhadap kepuasan nasabah pengguna digital banking pada BNI Syariah.

EM exposure in the range of non up to 3GHz is mainly sourced from mobile phone base stations, broadcast towers and radar facilities. This reviews based on previous researcher obtained results and methods in order to determine the best technique to measure the exposure. levels by considering the specification of the antennas installed and area of the base stations itself was also reviewed. It was found that numerous study of NIR exposure level has been conducted in other countries, whi the studies used field meter to were far lower than the limit recommended by EM exposure in the range of non-ionizing radiations (NIR) which falls in the radio up to 3GHz is mainly sourced from mobile phone base stations, broadcast towers and radar facilities. This reviews based on previous researcher obtained results and methods in order to nique to measure the exposure. Moreover, the estimation of exposure levels by considering the specification of the antennas installed and area of the base stations also reviewed. It was found that numerous study of NIR exposure level has been conducted in other countries, while Malaysia has become aware of the importance eter to carry out the measurement, and the exposure level obtained were far lower than the limit recommended by World Health Organization (WHO).agnetic exposure level; base station; electric field strength; geographical

Health risk due to RF radiation exposure from base station tower (BST) has been debated for years leading to public concerns. Thus, this preliminary study aims to measure, evaluate and analyze the exposure level on three selected BST around Kuala Nerus. The measurement of exposure level in terms of voltage amplitude (dBmV) data were recorded using spectrum analyzer. The trend of exposure level shows that the characteristics of environment around the BST sites contribute to the variation of voltage amplitude for all study sites. Besides, the radiation exposure level of BST depends on several factors such as: the distance from the radiation sources, the height of the tower, tilt and direction of the antennas fixed on the top of the tower, the number of antennas on single tower, the type of radiation pattern, the direction of main beam of radiation, the feeding power and the operating frequency.

This study intends to analyze the effectiveness of the implementation of the internal control system at the State Islamic Universities in Indonesia (PTKIN) including identifying its risk management. The empirical study was conducted at Ar-Raniry State Islamic University (UIN Ar-Raniry) Banda Aceh. Primary data was gathered through a survey that was distributed to 128 respondents within the university. Additional data were collected using semi-structured in-depth interviews with nine key personnel of the internal control unit of several Islamic universities in Indonesia. The result shows that UIN Ar-Raniry, based on eight elements of the control environment assessed, has sufficient internal control system with a score of 62.79. However, many steps need to undertake by the university’s management to be more effective and able to reduce risk management. A similar condition was also found in other PTKINs as identified during the interviews process with their key personnel. It also found that the internal control system was effective in identifying 69 risk sources that could potentially have a negative impact on the university performance, especially in terms of financial report reliability, asset security, effectiveness and efficiency of activities, and compliance with regulations. Based on the results, it is expected that the PTKIN should be more focus on internal control activities and linked them to the risk assessment which are regularly evaluated.==============================================================================================Sistem Pengendalian Internal pada Perguruan Tinggi Keagamaan Islam Negeri di Indonesia: Kajian terhadap Efektivitas Pelaksanaan dan Risiko Pengelolaan. Kajian ini bertujuan untuk menganalisis efektivitas pelaksanaan sistem pengendalian internal pada Perguruan Tinggi Keagamaan Islam Negeri di Indonesia (PTKIN) termasuk mengindentifikasi risiko pengelolaan yang muncul. Studi empiris dilakukan pada Universitas Islam Negeri Ar-Raniry (UIN Ar-Raniry) Banda Aceh. Data primer dikumpulkan melalui angket yang didistribusikan kepada 128 responden, yang terdiri dari para pejabat dalam UIN tersebut. Data tambahan dikumpulkan melalui wawancara mendalam secara semi-terstruktur dengan sembilan personil kunci dari Satuan Pengawasan Internal PTKIN BLU di Indonesia. Hasil kajian menunjukkan bahwa, berdasarkan delapan elemen dari lingkungan pengendalian yang ases, UIN Ar-Raniry mempunyai skor 62,79 (kategori cukup). Data ini menunjukkan bahwa walaupun termasuk ke dalam kategori cukup, masih banyak hal yang harus dilakukan oleh UIN Ar-Raniry sehingga dapat meminimalisir risiko pengelolaan universitas. Kondisi yang relatif sama juga ditemukan di PTKIN BLU lainnya seperti yang teridentifikasi selama proses wawancara dengan beberapa personil kuncinya. Sistem pengendalian internal yang diimplementasikan di UIN Ar-Raniry telah efektif dalam mengidentifikasi 69 sumber risiko yang berpotensi memberikan dampak negative bagi kinerja universitas, khususnya dalam hal keandalan laporan keuangan, keamanan aset, efektivitas and efisiensi kegiatan, dan kepatuhan terhadap aturan. Berdasarkan temuan kajian, PTKIN direkomendasikan untuk lebih focus terhadap kegiatan pengendalian internal dan menghubungkannya dengan asesmen risiko yang dievaluasi secara berkala.

This research tests the effect of profitability, growth opportunity, and net working capital on corporate cash holding for a sample of banks company listed in Indonesian Stock Exchange over the period 2013-2015. Population of this research is 31 banks companies at the Indonesian Stock Exchange. This research use path analysis method. Hypothesis test of this research employs standardized multiple regression analysis. The result show that simultaneously profitablity, growth opportunity, and net working capital have influence enough to cash holding. While partially profitability has a positive influence enough to cash holding, growth opportunity and net working capital has a very weak negative effect on cash holding.