Banking is one industris that is currently growing rapidly. With the development of information technology, it will create such a great opportunity for the financial service providers in this industry. This opportunity can be used to further expand its business towards information technology. One of the banking products based on information technology today is internet banking. According to Shih and Fang (2006) internet banking is a new type of information system that uses emerging techniques, such as the Internet and th e World Wide Web, and has changed the way consumers do various financial activities in a virtual space. The purpose of the study is to determine the characteristics of internet banking users and to know the factors that influence the survey user of internet banking. It is expected that this research will broaden the knowledge of the long-term information technology. This will make information technology, such as internet banking, can be used, not only in industry banking, but various commercial and non-commercial brand business. The research method used in this study is non probability sampling on several big cities in Indonesia. The data processing analysis is using multiple regression with SPSS 20.00 software. The results of this data processing will be conducted wih an in-depth discussion on the characteristics of internet banking users and the factors that affect the use of internet banking in Indonesia. The results of this study are divided into two parts. First, the results of qualitative research successfully strengthens the research model. The variables of perceived usefulness, perceived ease of use, perceived credibility, compatibility, personal innovativeness, and social influence do affect the interest in using internet banking, in in the end, the real utilization in using the internet banking. In addition, using quantitative research successfully generated indicators for each valid and reliable variables, namely 3 indicators from actual usage, 4 indicators from behavioral intention, 6 indicators from perceived usefulness, 6 indicators from perceived ease of use, 4 indicators from perceived credibility, 4 indicators from compatibility, 3 indicators from personal innovativeness, and 4 indicators from social influence.
Studi ini bertujuan untuk memberikan gambaran atas faktor-faktor pendukung kebijakan Merdeka Belajar Kampus Merdeka (MBKM) di Universitas Pelita Harapan (UPH) dari sudut pandang manajemen level atas pengelola perguruan tinggi. Metode penelitian dilakukan secara kualitatif melalui observasi dan wawancara demi untuk umendapatkan pemahaman perspektif yang integratif. Triangulasi dilakukan sebagai penegakan validitas dan reliabilitas. Sebagai triangulasi sumber informan dibedakan tas dua kategori yaitu kategori pertama adalah Rektor UPH sebagai pimpinan universitas dan kategori kedua adalah para pimpinan adminsitrasi pelaksana penunjang program MBKM yaitu Wakil Rektor bidang inovasi, Kepala LPPM; Director Teaching and Learning Center; Manajer Audit, SPMI, Accreditation support dan PIC MBKM di UPH. Hasil wawancara ditampilkan dalam tabel, dimulai dari transkrip wawancara di reduksi sesuai tujuan penelitian untuk memperoleh kategori, pola dan variabel faktor-faktor penunjang keberlangsungan program MBKM di UPH meliputi sosialisasi internal, tantangan penerapan, proses pembelajaran inovatif, penyesuian kurikulum, dukungan teknologi, belajar melalui praktik Dunia Usaha Dunia Industri (DUDI), kompetensi lulusan, dukungan institusi, tantangan kolaborasi, komunikasi pihak terkait program, kreativitas pelaksana kebijakan, kebijakan pemerintah yang stabil, keberlangsungan program MBKM. Kemudian dari variabel-variabel laten yang terbentuk dirumuskan dalam proposisi-proposisi untuk menghasilkan model mengarah pemahaman integratif atas faktor penunjang keberlangsungan program MBKM di UPH. Kontribusi penelitian ini dapat memberikan input bagi pengelola MBKM di UPH dan Universitas swasta lain dalam aplikasi program MBKM lebih baik yang selaras visi universitas dan menunjang proses pembelajaran
The oil spill disaster potentially occurance is an inseparable part of oil, gas exploration and transportation activities that are national and international concern. Oil palm’s empty bunches are a non-toxic material that is cheap, renewable, and widely found in Indonesia as one of the world's palm oil producing countries and can be used to deal with environmental pollution. Research that has been conducted in Malaysia has found that the fiber of eoil palm’s mpty bunches has good absorption in diesel oil spills. This writing method is with literatur review and compares the conditions in Malaysia with Indonesia. This paper aims to provide a comparison of the utilization and use of oil palm’s empty bunches for the benefit of handling oil spills in the waters. In conclusion, Malaysia is more advanced in conducting research and utilizing oil palm’s for adsorbent to spills that can also be done in Indonesia.
Along with the rapid development of technology coupled with the Covid-19 pandemic, the internet has become an important necessity and has made mobile banking such as Bank Mandiri mobile banking (Livin’ by Mandiri) increasingly popular because of its efficiency. This research is conducted with the aim of knowing the effect of Reliability, Privacy and Security, Website Design, Customer Service and Support, and Satisfaction on Loyalty of Livin’ by Mandiri users in Medan. With the results of the analysis of the research that has been done. The results of this study are expected to be a reference for Bank Mandiri to consider the existing variables as the main key to getting customer loyalty. This is a causal research that used quantitative as a research method with data processing using AMOS 22.0. Collecting data through questionnaires by collecting 125 respondents from Mandiri mobile banking users in Medan. Results of this research shows that reliability, privacy and security, website design, and customer service and support have no signifikan effect towards loyalty; reliability, privacy and security, and website design have no significant effect towards satisfaction. While customer service and support has significant effect towards satisfaction; and satisfaction have significant effect towards loyalty.
Research into willingness to communicate in English has gained momentum in second/foreign language learning recently. Applied linguists have argued for the factors that may hinder learners to communicate in English. However, although extensive studies on willingness to communicate in English have been carried out, the studies have much focused on university and high school students. As a result, very little is known about the hindrances of students' willingness to communicate in English in the context of vocational high schools. To fill such a lacuna, this study was designed to explore hindrances of willingness to communicate in English among Indonesian vocational high school students. In-depth interviews were conducted with 6 participants from three Indonesian vocational high schools with regard to the hindrances they encountered when communicating in English. To analyze the data, we employed Braun and Clarke’s (2006) thematic analysis. Findings from the study suggest four emerging themes: 1) lack of self-confidence, 2) presence of fear, 3) teacher's teaching style, 4) and vocabulary provision. Our study reveals that, even though the participants are aware of the problems, situated supports in the forms of out-of-class English communications are needed to help solve their hindrances in English communications. Pedagogical implications of this study are offered at the end of this article.
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