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Fernia Syafutri; Eri Handayani; Anggun Vebiyanti; Riki Gana Suyatna

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Strengthening MSMEs in the face of globalization and intense competition means being able to respond to global challenges such as increasing product and service innovation. Consumers' willingness to buy and interest in products sold by MSMEs is increasing. The aim of this research is to determine the effectiveness of Durian Woke MSME product promotion on Instagram media. The effectiveness of advertising actions is measured using the AIDA concept (Attention, Interest, Desire, Action). The research sample consisted of 53 people with active Instagram accounts who followed the Durian Woke Instagram account in the food sector which advertises on Instagram media. The data collection method uses a questionnaire as respondent data. The research results show that the effectiveness of Instagram social media as an advertising medium is beneficial for Durian Woke MSMEs in stimulating consumer interest in finding out about available products.                    

Fernia Syafutri; Eri Handayani; Anggun Vebiyanti; Riki Gana Suyatna

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Strengthening MSMEs in the face of globalization and intense competition means being able to respond to global challenges such as increasing product and service innovation. Consumers' willingness to buy and interest in products sold by MSMEs is increasing. The aim of this research is to determine the effectiveness of Durian Woke MSME product promotion on Instagram media. The effectiveness of advertising actions is measured using the AIDA concept (Attention, Interest, Desire, Action). The research sample consisted of 53 people with active Instagram accounts who followed the Durian Woke Instagram account in the food sector which advertises on Instagram media. The data collection method uses a questionnaire as respondent data. The research results show that the effectiveness of Instagram social media as an advertising medium is beneficial for Durian Woke MSMEs in stimulating consumer interest in finding out about available products.                    

Annisa Nurfadilla; Mita Rosita; Nanda Trisna Dewi; Riki Gana Suyatna

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This research was conducted at UMKM Cireng Tijang, the purpose of this study was to find out the Management Strategy in Facing Business Competition. The research used is a descriptive qualitative approach, namely an explanatory data analysis and information related to the theories that will be analyzed in qualitative research and provides conclusions from this research. The subject of this research is UMKM Cireng Tijang. Data collection techniques used were library research, observation, interviews and documentation, the data sources used were primary data and secondary data, and data analysis consisted of inductive techniques, deductive techniques and conclusion drawing. The research results obtained regarding Strategic Management Analysis in Facing Business Competition using a Cost Advantage Strategy, where a cost advantage strategy can be carried out by providing high quality products to customers or innovating the products offered to optimally retain customers.                    

Ahmad Dadan Hawari; Riki Gana Suyatna

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Banten Batik own distinctive characteristics _ And unique because it's on the side every the motive tell a story history legacy culture sultanate offerings in the form of culture , society sultanate Banten . In effort For conserve And protect batik then required introduction to world various various batik motifs in Indonesia and its history. Research qualitative emphasize exists complaint from Heritage batik craftsmen Banten in the Citra Gading Complex , Village Karundang , sub-district cipocok , city attack , against low sale of Heirloom batik Banten . In fact , the number of batik produced is not comparable with number of batik sold . It means more many batiks do not sold , compared to those sold . Temporary system sales carried out by Heritage batik craftsmen Banten in the complex image Gading , village Karundang , sub-district cipocok , city attack , banten , that is system sale conventional . Through promotion between batik craftsman , neighbor , nor batik buyers . The aim is to help , marketing system conventional This not enough maximum to sale of heirloom batik offer . So , it is necessary breakthroughs new For push sale of heirloom batik offer . Wrong One Current problem _ this , that is constraint on batik marketing , which continues experience decline . The reason is the height competition between batik craftsmen . So , total more batik production a lot , in comparison with batik sold , as long as this is the sales process use system Sale conventional . Promotion , take advantage fellow batik craftsmen as well batik buyers . Craftsman Not yet Can take advantage progress technology . So , reach market only limited local to Serang City . for push its height batik sales , with use system digital marketing sales . stages to be done in the digital marketing process of selling heirloom batik offer . including , making webset official special on the page specifically www.batikpusakabanten.com website This under control Heritage Batik Center Banten complex image Gading , sub-district Karundang, subdistrict cipocok , city attack . For speed up the promotion process And sales , then The website www.batikpusakabanten.com will be later will strengthened with it was formed account Facebook , Twitter, Instagram , and networking social other with the same theme buy batik.dalam webset that , too available features interesting , that's the goal For make it easier service ordering .

Annisa Nurfadilla; Mita Rosita; Nanda Trisna Dewi; Riki Gana Suyatna

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This research was conducted at UMKM Cireng Tijang, the purpose of this study was to find out the Management Strategy in Facing Business Competition. The research used is a descriptive qualitative approach, namely an explanatory data analysis and information related to the theories that will be analyzed in qualitative research and provides conclusions from this research. The subject of this research is UMKM Cireng Tijang. Data collection techniques used were library research, observation, interviews and documentation, the data sources used were primary data and secondary data, and data analysis consisted of inductive techniques, deductive techniques and conclusion drawing. The research results obtained regarding Strategic Management Analysis in Facing Business Competition using a Cost Advantage Strategy, where a cost advantage strategy can be carried out by providing high quality products to customers or innovating the products offered to optimally retain customers.                    

Ahmad Dadan Hawari; Riki Gana Suyatna

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Banten Batik own distinctive characteristics _ And unique because it's on the side every the motive tell a story history legacy culture sultanate offerings in the form of culture , society sultanate Banten . In effort For conserve And protect batik then required introduction to world various various batik motifs in Indonesia and its history. Research qualitative emphasize exists complaint from Heritage batik craftsmen Banten in the Citra Gading Complex , Village Karundang , sub-district cipocok , city attack , against low sale of Heirloom batik Banten . In fact , the number of batik produced is not comparable with number of batik sold . It means more many batiks do not sold , compared to those sold . Temporary system sales carried out by Heritage batik craftsmen Banten in the complex image Gading , village Karundang , sub-district cipocok , city attack , banten , that is system sale conventional . Through promotion between batik craftsman , neighbor , nor batik buyers . The aim is to help , marketing system conventional This not enough maximum to sale of heirloom batik offer . So , it is necessary breakthroughs new For push sale of heirloom batik offer . Wrong One Current problem _ this , that is constraint on batik marketing , which continues experience decline . The reason is the height competition between batik craftsmen . So , total more batik production a lot , in comparison with batik sold , as long as this is the sales process use system Sale conventional . Promotion , take advantage fellow batik craftsmen as well batik buyers . Craftsman Not yet Can take advantage progress technology . So , reach market only limited local to Serang City . for push its height batik sales , with use system digital marketing sales . stages to be done in the digital marketing process of selling heirloom batik offer . including , making webset official special on the page specifically www.batikpusakabanten.com website This under control Heritage Batik Center Banten complex image Gading , sub-district Karundang, subdistrict cipocok , city attack . For speed up the promotion process And sales , then The website www.batikpusakabanten.com will be later will strengthened with it was formed account Facebook , Twitter, Instagram , and networking social other with the same theme buy batik.dalam webset that , too available features interesting , that's the goal For make it easier service ordering .

Berliana Ananda Kutaningtyas; Nurul Fitri Azzahra; Siska Nur Agustin; Ujang Suherman

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The profitability ratio is used as a benchmark in determining stock returns, because the profitability ratio is a ratio that measures how efficiently a company uses its assets and manages its operations. The higher the profit generated, the higher the stock return that investors will get. Included in this ratio are ROE (Return on Equity) and NPM (Net Profit Margin). The design of this research is a Literature Review or literature review. ROE is often referred to as profitability of own capital. This amount is obtained by dividing net profit after tax by total capital. A high ROE number shows the industry's ability to generate profits for shareholders. On the other hand, a high level of profitability will cause less external funds to be used. Companies with high profitability will have large internal funds. An increase in ROE increases the company's sales value, which has an impact on share prices. These two factors have a positive influence on stock returns, which means companies with high ROE and net profit margin tend to have higher stock returns. Therefore, investors can consider ROE and net profit margin as indicators of company performance that can influence stock returns when choosing investments.

Apriana Anggreini Bangun

Riset Ilmu Manajemen Bisnis dan Akuntansi 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Du Pont System adalah analisis rasio yang digunakan untuk dapat mengetahui posisi laba dan penggunaan aset perusahaan dengan menggabungkan beberapa data dari neraca dan perhitungan laba rugi ke dalam dua ringkasan alat ukur kemampuan untuk menghasilkan profitabilitas yang terdiri dari ROI dan ROE. Penulisan ini bertujuan untuk mengetahui kinerja keuangan pada PT. Adhi Karya (Persero) Tbk. Dengan menggunakan metode Du Pont System dalam mengelola keuangannya pada periode 2017-2021. Data yang digunakan pada penelitian ini adalah data sekunder yang diperoleh dari website resmi www.adhi.co.id dan www.idx.co.id. Hasil penelitian ini menunjukkan bahwa kinerja keuangan PT. Adhi Karya (Persero) Tbk periode 2017-2021 tergolong kurang baik. Hal ini dikarenakan, dari lima variabel yang dianalisis dalam metode Du Pont System berupa Net Profit Margin (NPM), Total Assets Turnover (TATO), Return On Assets (ROA), Equity Multiplier (EM), Return On Equity (ROE) berada di bawah standar industri dan hanya EM nya saja yang meningkat, Meningkatnya nilai EM menandakan bahwa perusahaan banyak menggunakan dana eksternal atau utang untuk membiayai aktivitas perusahaan, yang disebabkan dengan adanya ketidakstabilan kinerja pada setiap tahunnya. Peningkatan ini terjadi karena adanya peningkatan total aktiva yang lebih besar dibandingkan dengan peningkatan total ekuitas. Sehingga perusahaan dapat mengelola hutang untuk memperbaiki keuntungan. Hal ini menunjukan bahwa perusahaan menggunakan sebagian besar hutang untuk menghasilkan keuntungan.

Habib Fitrah

Jurnal Ekonomi dan Keuangan Islam 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research aims to determine the implementation of dock management at PT. Pelindo Multi Terminal Belawan where the dock must be managed well, so that output results are maximum. If each pier were managed by one operation, this is not the case currently, where two docks are managed by one operation, which results in negligence and lack of focus on one job, which results in many ships not reaching their loading and unloading targets as planned. Which is detrimental to the next ship that is queuing for the next loading and unloading. Further steps to achieve this goal include improving operational results, optimizing infrastructure and upgrading IT systems. Sub-Holding Purpose Multi Terminal offices can provide additional management by utilizing all office functions honestly, which will help workers maximize their work day and enjoy their position more. Employees perform better at work when they are happy and satisfied. will focus on just one area or just one pier for the office. This study uses a qualitative method.

Riska Arianti Nasution; Budi Dharma

Jurnal Ekonomi dan Keuangan Islam 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

In this study, the complexity of motivational factors is closely related to the context of organizational culture, team dynamics, and perceptions of rewards and recognition of individual contributions. Participation in decision-making, opportunities for career development, and interpersonal relationships at work also emerged as important elements in motivating employees. The qualitative analysis highlighted that there is no one-size-fits-all approach to understanding work motivation in this environment. However, the need for recognition of achievement, a sense of involvement in the work process, and support from superiors and coworkers have a significant impact on individuals' motivation levels. This study provides an in-depth understanding of what influences work motivation at the Office of Industry and Trade of North Sumatra Province. The implications of this study emphasize the importance of a sensitive approach to individual needs and preferences in designing effective motivation strategies to improve productivity.

Agna Sabrina; Andri Soemitra

Jurnal Ekonomi dan Keuangan Islam 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

PTPN IV Medan Company is a company operating in the plantation sector in Medan, Indonesia. As a company operating in the business sector, PTPN IV Medan also has a retail business division which is an important part of its operational activities. This research is the result of qualitative research by raising the problem of how to apply Islamic economic principles in the PTPN IV Medan company. This type of research method is qualitative research using a descriptive approach and library research. As for the data sources in this research, the primary data is interviews with related parties, namely employees who work at the PTPN IV Medan company, while the secondary data is data obtained through reports regarding the PTPN IV Medan Company. In this context, it is important to evaluate the extent to which this company applies Islamic economic principles in its retail business. This analysis can also provide insight into the effectiveness and success of implementing Islamic economic principles in the company's retail business.

Luthfiah Nazmi; Yenni Samri Juliati

Jurnal Manajemen dan Ekonomi Bisnis 2023 Pusat Riset dan Inovasi Nasional

The history and development of waqf in Islam is a reflection of the deep social, humanitarian and religious values in Islamic teachings. Over the course of its history, waqf has become one of the main pillars of Islamic civilization, making a significant contribution to the development of education, health, culture and social services throughout the Muslim world. This research uses a descriptive method with a qualitative approach based on data sources from literature studies and observations. The aim of this research is to provide information regarding the history and development of waqf. The results of the research explain that waqf already existed during the time of the Prophet and then during the time of Khulafaur Rasyidin, the Islamic Dynasties. As well as the development of the waqf era in various countries.

Yenni Samri Juliati; Abdurrozzaq Ismail

Jurnal Manajemen dan Ekonomi Bisnis 2023 Pusat Riset dan Inovasi Nasional

Professional zakat is a type of zakat which is specifically related to income or earnings obtained from certain jobs or professions in the Islamic economy. This is a form of zakat given by individuals who have income from their work or business. Professional zakat is one of the topics of contemporary jurisprudence that is still debated and not yet fully agreed upon by scholars. This research was conducted using a descriptive method with a qualitative approach based on data sources from literature studies and observations. The aim of this research is to provide information related to professional zakat. The research results show that Professional Zakat is calculated based on a certain percentage of an individual's income after meeting basic needs and debts that must be paid. The percentage that must be spent varies between 2.5% to 20% depending on the assets owned

Obit Dwi Pratama; Mustafa Kamal Rokan; Nurul Inayah

Jurnal Manajemen dan Ekonomi Bisnis 2023 Pusat Riset dan Inovasi Nasional

The millennial generation is very techno minded, where they interact using gadgets in their daily activities, so they have the potential to become muzakki, especially in online zakat payments. There are several perceptions of the millennial generation in paying zakat online, namely awareness, level of trust, transparency, accountability and income level. The aim of this research is to determine the influence of brand awareness, level of trust, transparency, accountability and level of income on online payments and to determine the most dominant independent variables in online zakat payments. The type of data collected was primary data by distributing questionnaires directly to the millennial generation, totaling 100 respondents. The analysis method used is multiple linear regression analysis and assisted with SPSS 20. The research results show that brand awareness and the level of trust have a positive and significant influence on online zakat payments. Transparency, accountability and income level do not have a positive and insignificant influence on online zakat payments. The most dominant variable influencing online zakat payments is the level of trust.

Hilmin Hilmin; Muhammad Adil; Dwi Noviani; Mustafiyanti Mustafiyanti

The International Conference on Education, Social Sciences and Technology 2023 International Forum of Researchers and Lecturers

This research entitled "The Relation of Religious Moderation in the Malay Muslim Community of South Sumatra to Democratic Stability" aims to analyze the relationship of religious moderation in the Malay Muslim community in South Sumatra and its impact on democratic stability in the region. In the context of a religiously and ethnically heterogeneous society, religious moderation is an important factor influencing the stability of a democratic system. This research methodology includes surveys, interviews and content analysis regarding the understanding and practice of religious moderation in the Malay Muslim community. The resulting data was then analyzed to determine the relationship between religious moderation and democratic stability, taking into account other factors that might influence this relationship. Research findings show that in the Malay Muslim community in South Sumatra, the practice of religious moderation can make a positive contribution to democratic stability. Religious moderation can play an important role in encouraging interfaith dialogue, reducing opportunities for conflict, and increasing inclusive political participation. In this context, understanding and implementing the values ​​of religious moderation in the Malay Muslim community of South Sumatra can be considered as social capital that supports sustainable and stable democratic development. These results have important implications for developing policies and strategic approaches that encourage religious moderation as an integral part of the social and political dynamics of society.    

Miming, Jasmin Elza; Azikin, Busthan; Sultan

Jurnal Teknik Sipil 2023 Faculty Of Engineering University 17 August 1945 Semarang

Secara administratif Bendungan Pamukkulu terletak pada Desa Kale Ko’mara, Kecamatan Polombangkeng Utara, Kabupaten Takalar, Provinsi Sulawesi Selatan. Litologi pada Bendungan termasuk Formasi Batuan Gunungapi Baturape-Cindako yaitu lava dan breksi beserta retas-retas andesit. Metode penelitian berupa pemetaan permukaan dan pengeboran inti batuan. Berdasarkan investigasi geologi bawah permukaan, kelas batuan yang sesuai zonasi 3B yaitu pada Blok B1 (10-20m), Blok A3 (5-10m), dan Blok D (5-20m) dengan kelas batuan CH. Untuk zona 3A dengan kelas batuan CM terdapat pada Blok A3 (10-15m), Blok B1 (5-10m), dan Blok D (0-5m) dan zona 3C terdapat pada Blok A3 (1-5m), Blok B1 (5-10m), dan Blok D (0-5m) dengan kelas batuan CM. Dari hasil uji laboratorium mekanika batuan nilai Uji Kuat Tekan antara 33.36 MPa–67.24 MPa hal ini menunjukkan batuan memiliki nilai kekerasan dan kekuatan berkisar dari sedang sampai keras. Nilai Rock Quality Designation (RQD) pada lapisan atas 0-10m berkisar 13-68% dan lapisan 10-20m berkisar 83-99%. Analisis Fragmentasi batuan hasil blasting rata-rata boulder batuan berukuran 100cm ialah 18.74%. Rekomendasi dalam pembangunan bendungan pada area quarry yaitu perlunya penyesuaian blasting plan terhadap faktor-faktor geologi yang terdapat dilapangan agar fragmentasi dapat tercapai dengan baik.

Irawati Pasaribu; Ika Erniati; Insyirah Br Harahap; Ira Yani Estuti; Irawati Manurung +1 more

Jurnal ilmu Kesehatan Umum 2023 Asosiasi Riset Ilmu Kesehatan Indonesia

Impaired growth and development can occur if nutrition in infancy and children is not fulfilled and is not treated early. Fulfillment of nutritional needs in infants, especially in infants aged 6-12 months where at this time babies are introduced to food, or termed MP-ASI, you should pay attention to several things such as the nutritional content of the ingredients used, administration according to nutritional needs, can be well received by the baby's digestion, preferably produced from local ingredients and is dense in nutrition. Knowledge about nutritional intake patterns is needed by every mother, so that the baby's nutritional needs can be optimal. The purpose of this study was to determine the relationship between maternal knowledge about nutritional intake patterns and weight gain for babies aged 6-12 months at the Keritang Hulu Health Center, Kemuning District. The results of the study showed that 29 mothers (72.5%) had good nutritional patterns and 29 mothers (100%) had weight gain. However, there were 11 mothers who had poor nutritional patterns (27.5%) and all of these mothers' babies did not experience weight gain (100%). the results of the statistical chi-square test that has been carried out show a Pvalue (> 0.05), namely 0.000. The research hypothesis states that there is a relationship between maternal knowledge about nutritional intake patterns and weight gain for infants aged 6-12 months at the Keritang Hulu Health Center, Kemuning District, in 2023. Conclusion Sufficient knowledge about nutritional patterns will have an impact on infant weight gain. It is hoped that all mothers who have babies will be able to find more information about how good nutritional patterns are for babies aged 6-12 months so that they have an impact on optimal baby growth and development according to the baby's age.

Rifdah Auliyah Murat; Maulidah Narastri

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2023 FEB Universitas Maritim Semarang

BeAbdurrohim Gresik Orphanage Dusun Bunut, Randegansari, Kec. Driyorejo, Gresik Regency, East Java. The orphanage is a non-profit organization, where the orphanage management has full responsibility in matters of trust. which has been given in terms of running the operations of the orphanage. As a form of public sector non-profit organization, one of the sources of funding for orphanages is in the form of donations from regular donors or incidental donors. This research aims to identify the implementation of the Financial Reports of the BeAdburrahim orphanage when viewed from ISAK 35 regarding non-profit organizations. The research was carried out using primary data, namely interviews and field observations, as well as secondary data in the form of financial reports at orphanages. The type of research that will be used is using a descriptive qualitative method by describing the state of the research object and then comparing it with existing standards.

Wahyuni, Arinda; Ahmad Nadhil Edar; Gusti Hardiyanti Musda

JURNAL ILMIAH KOMPUTER GRAFIS 2023 UNIVERSITAS STEKOM

Jl. Boulevard and Jl. Pengayoman is a commercial area in Makassar City. Jl. Boulevard and Jl. Protection is quite strategic because it can be reached by all levels of society from various means of transportation. Various community activities such as walking, jogging, shopping, office activities, etc. have resulted in the increase in parking for visitors' vehicles in the area, covering the shoulders of the road and pedestrians. From the results of our previous research, it is clear that the cause of illegal parking that occurs in the commercial areas of Jalan Boulevard and Jalan Pengayoman is the limited parking space in each commercial building and the standard for calculating parking spaces in the commercial areas of Jalan Boulevard and Jalan Pengayoman. This is what causes the loss of user comfort and the change in pedestrian function to illegal parking in the Jl. Boulevard and Jl. Pengayoman is therefore an action that is contrary to Islamic Sharia which is haram because it is illegal, does not comply with local legal regulations and also harms other people. So, to restore the comfort and function of pedestrians in the commercial area of Jl. Boulevard and Jl. Pengayoman, we will carry out further research with the title "Planning Public Parking Areas in Commercial Areas on Jalan Boulevard and Jalan Pengayoman in Makassar City", where this research is to solve the problem of lack of parking spaces so that there is no more illegal parking in commercial areas on Jalan Boulevard and Jalan Protection of Makassar City. Data analysis uses qualitative and quantitative analysis which is used to explain the results of survey interviews with users and observations carried out on Jl. Boulevard and Jl. Pengayomanof Makassar City with the results of a literature review regarding parking spaces. This research is expected to provide a real picture to researchers as academics and the government as policy makers regarding public facilities built for the common good, as study material to determine policies that might be implemented to improve or add to these public facilities, and as a source a reference for writers who might carry out studies on urban planning.

Mulyanto, Mulyanto; Angga Wahyudi; Ile Arbertus; Ari Firmansah; Jhon Lim

JURNAL ILMIAH KOMPUTER GRAFIS 2023 UNIVERSITAS STEKOM

Studi ini menyelidiki faktor-faktor yang mempengaruhi adopsi dan penggunaan perbankan elektronik di Batam, Indonesia, mengingat lonjakan global dan regional dalam e-banking. Tujuan utamanya adalah untuk melihat bagaimana kenyamanan, aksesibilitas, penghematan biaya, dan kualitas layanan mempengaruhi adopsi dan penggunaan berkelanjutan dari layanan ini, memberikan wawasan untuk membantu lembaga keuangan dan pembuat kebijakan merumuskan strategi yang lebih mempromosikan adopsi e-banking. Menggunakan metodologi penelitian kuantitatif, menampilkan enam variabel: kegunaan yang dirasakan, norma subjektif, kemudahan penggunaan yang dirasakan, niat untuk menggunakan, teknologi yang dirasakan, dan risiko yang dirasakan. Data, yang dikumpulkan dari 400 peserta melalui survei, menunjukkan bahwa variabel spesifik tidak terpengaruh oleh semua kecuali tiga persepsi kegunaan, teknologi, dan bahaya. Anehnya, ketika datang ke e-banking, norma subjektif memiliki dampak yang jauh lebih kuat pada konsumen daripada kenyamanan penggunaan pada keinginan mereka untuk menggunakan. Untuk penelitian ke depan, pandangan demografis yang lebih jelas dapat diperoleh dengan mempertimbangkan target responden dan memperluas cakupan di luar Kota Batam.