Despite the abundant opportunities in the Indonesian bank industry, the digital era began to challenge banks to fully embrace the use of technology (information) to prolong competitive advantage. An organization becomes a reflection of its top managers. In facing such challenges, Top Management Team (TMT) members' initiative to overcome the current status quo, will be reflected in the company under their management. For this reason, an effective TMT structure is mandatory during the digital era to digitalize banking firms. This research investigates the relationship between top management team characteristics and Indonesian banks' financial performance during the digital era. For top management team characteristics, this research includes functional background, gender diversity, average age, level of education, IT Expertise, and experience in years. While to measure the performance of Indonesian banks' financial performance the paper includes return on asset (ROA), capital adequacy ratio (CAR), and non-performing loan (NPL). The results show that gender diversity has positive significant influences on NPL, average age have positive significant influences on ROA, CAR, NPL, and IT expertise have positive significant influences on CAR.Keywords: Bank, Top Management Team, Financial Performance
Pasar Modoinding is one of the well-known traditional market in North Sulawesi, especially in South Minahasa region. The current condition of Pasar Modoinding now also is directed in a positive way with the idea of modernizing the market in order to attract more customers. The main problem now is regarding the customer perception of Pasar Modoinding during the Covid-19 Pandemic, despite the development of market that will be done in the near future. The problem risen regarding customer perception because of the status quo of traditional market itself, during the pandemic most of people are afraid to go out from home because of the virus that can easily spread. The purpose of this study is to see about the customer perception during Covid-19 Pandemic, in this case within the Modoinding Market. The result shows that customer perception which can be measured with 3 main aspects such as perceived risk, perceived value and perceived quality can shift the perception especially during the pandemic. Based on the result, the researcher provided recommendation which is to adapt with the current condition of Covid-19 pandemic by looking upon the health protocol and also other aspects during the pandemic.
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