Suyanto Suyanto

The business model and consequently, the bank’s risk exposure significantly depends on the source of capital (Riabichenko et al., 2019). This research uses vector error correction model (VECM) data analysis to investigate the influence of capital adequacy ratio (CAR), non-performing loans (NPL), loan to deposit ratio (LDR) on the level of credit distribution at commercial banks in Indonesia. Using secondary data, research data was processed using the EViews 12 application with the research population being banking companies listed on the Indonesia Stock Exchange in 2019–2021. The research results show the variables CAR, NPL, and LDR have a significant effect on long-term credit distribution. In addition, the NPL variable significantly influences the credit distribution variable in the short term. The Granger causality test result shows that there is no two-directional causality relationship between the independent variables CAR, NPL, and LDR on the credit distribution variable. The results of this research are in accordance with financial intermediation theory, where the theory explains that savings and loans with high leverage can reduce the possibility of default (payment failure).

Objective: This study investigates the impact of e-payment platform reputation, e-customer support, and app navigation ease on e-payment experience, engagement, and advocacy in Indonesia's digital economy. Theoretical Framework: We address the gap in understanding these factors' effect on digital payment advocacy by employing a quantitative design and surveying 360 participants, using structural equation modeling (SEM). Method: Using SEM, we analyze survey data from 360 participants to examine the relationships between e-payment platform reputation, e-customer support, app navigation ease, e-payment experience, engagement, and digital payment advocacy. Results and Conclusion: App navigation ease, e-customer support, e-payment engagement, and experience significantly impact digital payment advocacy, providing guidance for policymakers to improve user trust and enhance digital transactions in the digital economy. Implications of the Research: The findings offer valuable insights for policymakers and platform providers aiming to enhance the digital payment landscape in Indonesia. Originality/Value: This research provides a comprehensive perspective on user behavior and attitudes toward digital payments, offering potential implications for stakeholders in the digital economy.

Penelitian ini bertujuan Untuk mengetahui Manajemen Risiko Operasional Pada PT Bank Perkreditan Rakyat Tataarta Swadaya Kotagajah Lampung Tengah. Data diperoleh dari hasil wawancara, observasi, dan dokumentasi. Analisa data penelitian ini dilakukan dengan menggunakan analisis deskriptif kualitatif. Hasil penelitian ini menunjukkan bahwa Manajemen risiko operasional BPR Tataarta Swadaya sudah menerapkan manajemen risiko sesuai dengan peraturan POJK No.23/POJK/2018. tentang penerapan manajemen risiko bagi Bank Pembiayaan Rakyat, dalam penerapan manajemen risiko secara otentik, ditanggungjawabi oleh pengawasan aktif direksi dan Dewan Komisaris. Risiko-risiko yang terjadi pada saat proses penginputan data oleh karyawan yaitu: Pemrosesan dan penyelesaian seluruh transaksi secara efisien, tidak akurat dan tepat waktu, Karyawan susah untuk menindak lanjuti dalam memproses pengajuan pinjaman nasabah