The purpose of this study aims to analyze the effect of habit and perceived enjoyment, mediated by behavioural intention on adoption in students using BNI mobile banking at university of Bengkulu. This research is a casual quantitative study. The total sample of the study is 150 respondents, data were collected using snowball sampling and analyzed using SEM PLS (partial least square). Based on the results of the study explained that habits and perceived enjoyment mediated by behavioural intention support the use of mobile banking at Bengkulu University. This study has several limitations such as, uneven distribution of respondents, and the theoretical scope of research. Subsequent research can determine respondents more evenly, and can expand and modify the research framework to be able to measure or study more deeply about the related variables in this study.Keywords: Habit, Perceived Enjoyment, Behavioural Intention, Adoption.
Partisipasi manajemen dalam proses penyusunan anggaran cenderung menimbulkan senjangan anggaran tergantung pada kepentingan yang dimiliki oleh manajemen. Tujuan dilakukannya penelitian ini yaitu, untuk mendapatkan bukti empiris pengaruh partisipasi penganggaran pada senjangan anggaran, serta untuk dapat mengetahui kemampuan karakter personal sebagai variabel moderasi pengaruh partisipasi penganggaran pada senjangan anggaran. Penelitian ini dilakukan pada 10 BPR di Kabupaten Gianyar dan masing-masing BPR diambil tiga responden. Data yang digunakan dalam penelitian ini adalah data primer yang didapat dengan menyebarkan kuesioner secara langsung kepada 30 responden dengan menggunakan teknik purposive sampling. Teknik analisis data yang digunakan dalam penelitian ini yaitu Moderated Regression Analysis (MRA). Hasil dari penelitian ini menyatakan bahwa partisipasi penganggaran berpengaruh positif pada senjangan anggaran. Karakter personal pesimistis dapat memoderasi (memperkuat) pengaruh partisipasi penganggaran pada senjangan anggaran. Kata kunci: partisipasi penganggaran, karakter personal, senjangan anggaran.
Dividend policy is a decision whether profits generated by a company will be distributed to shareholders as dividends or made retained earnings.The purpose of this study was to determine the factor that affect the dividend policy in the manufacture company listed in indonesia stock exchange. The population in this study is a 139 mining companies open in the Indonesia Stock Exchange (BEI). The sample selection uses a purposive sampling method in order obtain a sample of 23 companies. The analysis techique used is multiple linear regression, analysis technique used is multiple linear regression, analysis using SPSS version 20. The results of this study profitability proxied by Return On Assets has a positive and significant to Dividen Payout Ratio, Liquidity is proxied by Current Ratio negative and no significant to Dividen Payout Ratio, and Firm Size has a positive and significant to Dividend Payout Ratio.
Muzakki's decision could have an important role in terms of knowing people’s preferences or tendencies in terms of whether to prefer to pay zakat in formal institutions such as BAZNAS, LAZ, Dompet Dhuafa. or prefer to directly give to mustahiq. This study has limitations in terms of focusing only on analyzing the influence of variable income, education, consumption, and Islamic corporate governance. This research focuses on analyzing the influence of income, education, consumption, Islamic good corporate on muzakki decisions in choosing where to pay zakat in Palembang city. The study data uses secondary and primary data, secondary data to determine the number of populations and samples obtained from the Central Statistics Agency (BPS). This research variable is obtained by directly interviewing and using questionnaires as their intrusion in data collection. Analytical tools are used in analyzing using binary logistic regression. finding from this study shows that income is the deciding factor in the decision to choose where to pay zakat. While based on the results of partially variable tests showed that income, and Islamic Corporate Governance had a positive and significant effect on the decision of the place to pay zakat. While consumption has a negative and significant influence on the decision of choosing place to pay zakat. Overall variables independent (income, education, consumption, Islamic corporate governance) is able to explain the dependent variable (decision to pay zakat) of 83%. The remaining 17 percent was explained by variables outside the model or by other variables that were not studied.
Penelitian ini bertujuan untuk mengetahui apakah ada peningkatan Kemampuan Menulis Karangan Deskripsi Pada Kelas XI Mas. Al Washliyah 12 Perbaungan Tahun Pembelajaran 2020-2021 dengan menggunakan gambar dan imajinasi dapat berhasil meningkat. Model yang digunakan dalam penelitian ini adalah model eksperimen yaitu menggunakan 2 kelas yaitu kelas eksperimen dan kelas kontrol model one group pre test and post test design. Instrumen yang digunakan untuk menjaring data penugasan yakni menulis karangan deskripsi dengan menggunakan gambar dan imajinasi. Dari hasil pengolahan data diperoleh rata-rata kelas eksperimen rata-rata post test group adalah 89,6 atau 76% telah berhasil menulis karangan deskripsi. Sedangkan kelas kontrol mencapai nilai rata-rata 77,29 atau sebanyak 41,66% yang sangat baik menulis karangan deskripsi. Selanjutnya (15.19) dikonsultasikan dengan pada taraf 4% dengan df = 66 diperoleh tabel pada taraf signifikan 5% = 0.67 karena yang di peroleh lebih besar dari15.19 , maka hipotesis nihil () ditolak maka hipotesis alternatif () di terima. Dengan demikian dapat disimpulkan bahwa menulis karangan deskripsi dengan menggunakan gambar dan imajinasi dikatakan berhasil baik.
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