This study was aimed to analyze of using mobile banking on company performance. It was conducted on banking sector companies listed on the IDX in 2017. To analyze the effect of mobile banking on the bank performance, multiple regression analysis werw used by including two control variable namely bank size by using the normal logarithm of total assets and credit risk (NPL) with ROA as a measure of bank performance. The result show that mobile banking has a negative effect on ROA. Alleged cause because its use was not comprehensive or every customer did not necessarily use this facility. The bank size has a significant positive effect on ROA, that the larger the bank size will improve the bank performance. This is due to the fact that large bank more opportunities to provide loans than small banks so as to create greater profits. NPL has a negative effect on ROA. An increase in credit risk or increasing the value of NPL will reduce the level of bank profitability.Keywords:performance;mobile banking;bank size;credit risk;ROA;NPL. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan mobile bankingterhadap kinerja perusahaan. Penelitian dilakukan pada perusahaan sektor perbankan yang tercatat di Bursa Efek Indonesia pada tahun 2017. Untuk menganalisis pengaruh mobile bankingterhadap kinerja perusahaan sektor perbankan, digunakan alat analisis persamaan regresi berganda dengan menyertakan dua variabel kontrol yakni ukuran perusahaan dengan menggunakan logaritma normal dari total asset dan risiko kredit (NPL) dengan ROA sebagai ukuran kinerja bank.Hasil penelitian menunjukkan penggunaan mobile bankingberpengaruh negatif terhadap ROA. Diduga penyebabnya karena  penggunaannya belum menyeluruh atau setiap nasabah belum tentu menggunakan fasilitas ini. Ukuran bank (SIZE) berpengaruh positif signifikan terhadap ROA. Bahwa semakin besar ukuran bank, maka akan meningkatkan kinerja bank umum di Indonesia. Hal ini disebabkan bahwa bank besar memiliki lebih banyak kesempatan memberikan pinjaman dibandingkan bank yang kecil sehingga dapat menciptakan laba yang lebih besar. NPL berpengaruh negatif terhadap ROA. Peningkatan risiko kredit atau semakin besarnya nilai NPL akan menurunkan tingkat profitabilitas bank.Kata Kunci: kinerja;mobile banking;ukuran perusahaan;risiko kredit;ROA;NPL.

Along with the lifestyle changes experienced by the community, it has an influence on people's behavior, especially behavior in managing finances. With the increase in one's lifestyle, it will cause problems in financial management. Ideally, mental accounting and lifestyle factors can influence a person's behavior in managing finances. Mental accounting will shape one's financial behavior well. This study aims to determine the effect of mental accounting on financial behavior with lifestyle as a mediating variable. This research is a type of quantitative research using a survey method given to Generation Z who have used e-wallet or e-money. Determination of the number of samples in this study were as many as 300 respondents with the sampling method used was using judgment sampling. The analysis used is Structural Equation Modeling (SEM) analysis. The results show that financial literacy affects lifestyle, mental accounting affects lifestyle, and lifestyle mediates financial literacy and mental accounting on financial behavior.

This study used to aim at analyzing financial performance proxied by variable third party funds (DPK), non-performing loans (NPLs), and capital adequacy ratios (CAR) on the ability of bank lending. The study was conducted at a Persero bank in Indonesia in the period 2010-2017. Panel data regression analysis tool is used to analyze the effect of DPK, NPL, and CAR on the ability of bank lending. The results of the study found that DPK had a positive effect on bank lending. NPL has a negative effect on bank lending. NPLs reflect credit risk, the higher the level of NPL, the greater the credit risk borne by the bank. CAR has a positive effect on bank lending. There is a positive influence between CAR and the ability to extend credit to banks. Every increase in CAR percentage will increase the ability of bank lending. If the bank has capital above 8% or more, then the bank can be said to have sufficient capital to distribute credit, and shows the better banks in providing capital to the public so that it will increase the ability of banks in lending.Keywords: financial performance, credit; funding; non performing loan; capital adequacy ratio. ABSTRAKPenelitian ini bertujuan untuk menganalisis kinerja keuangan yang diproksikan dengan variabel dana pihak ketiga (DPK), non performing loan (NPL), dan capital adequacy ratio (CAR) terhadap kemampuan penyaluran kredit bank. Penelitian dilakukan pada bank Persero di Indonesia periode tahun 2010-2017. Alat analisis regresi data panel digunakan untuk menganalisis pengaruh DPK, NPL, dan CAR terhadap kemampuan penyaluran kredit bank. Hasil penelitian menemukan bukti DPK berpengaruh positif terhadap penyaluran kredit bank. NPL berpengaruh negatif terhadap penyaluran kredit bank. NPL mencerminkan risiko kredit, semakin tinggi tingkat NPL maka semakin besar pula risiko kredit yang ditanggung oleh pihak bank. CAR berpengaruh positif terhadap penyaluran kredit bank. Terdapat pengaruh positif antara CAR dengan kemampuan penyaluran kredit pada bank. Setiap naik prosentase CAR akan meningkatkan kemampuan penyaluran kredit bank. Jika bank memiliki modal diatas 8% atau lebih, maka bank dapat dikatakan memiliki kecukupan modal untuk menyalurkan kreditnya, dan menunjukan semakin baik bank dalam menyediakan modal  bagi masyarakat sehingga akan meningkatkan kemampuan bank dalam penyaluran kredit.Kata Kunci: kinerja keuangan; kredit; dana pihak ketiga; non performing loan; capital adequacy ratio

The purpose of this research was to know and analyze the factors that influence Stock return at PT. Bank Negara Indonesia Tbk period use was 2009-2020 that is through Capital Adequacy Ratio, Loan to Deposit Ratio, and Operating Expense to Operating Income. The method of this research used descriptive and quantitative method. To analyze the data used is multiple linear regression and coefficient of determination. Simultaneously based on the result Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operating Expense to Operating Income (BOPO) are not a significant effect to Stock return. And partially showed that Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operating Expense to Operating Income (BOPO) has not a significant effect on Stock Return. Keywords: Capital Adequacy Ratio (CAR); Loan to Deposit Ratio (LDR); Operating Expense to                   Operating Income (BOPO); Stock Return.   ABSTRAKTujuan dari penelitian ini adalah untuk mengatahui dan menganalisis faktor-faktor yang mempengaruhi Return saham pada PT Bank Negara Indonesia Tbk periode 2009-2020 yang terdiri dari Capital Adequacy Ratio, Loan to Deposit Ratio, dan Biaya Operasional Pendapatan Operasional. Metode penelitian yang digunakan adalah metode deksriptif dengan penelitian kuantitatif. Alat analisis yang digunakan adalah Regresi Linear Berganda dan Koefisien Determinasi. Berdasarkan hasil penelitian diketahui bahwa secara simultan Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) dan Biaya Operasional Pendapatan Operasional (BOPO) tidak berpegaruh signifikan terhadap Return saham. Secara parsial menunjukan bahwa Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) dan Biaya Operasional Pendapatan Operasional (BOPO) tidak berpengaruh signifikan terhadap Return saham. Kata Kunci: Capital Adequacy Ratio (CAR); Loan to Deposit Ratio (LDR); Biaya Operasional Pendapatan Operasional (BOPO); Return saham.