The   development   of   payment   systems  in   Indonesia   is  in   line   with   the  global   technological advancements and followed by new innovations, including the presence of e-money.As a subsidiary of  PT Aplikasi  Karya Anak  Bangsa  (Go-Jek),  PT  Dompet Anak  Bangsa  is the holder  of  the  Go- Pay  e-money license and  included  as one of  32  companies  that have obtained  license as  e-money operators from Bank Indonesia. Despite the current high transaction growth of Go-Pay, it may not survive without any efforts to improve its service quality and expand the consumer preferences in using  Go-Pay. Therefore,  it  is necessary to  identify  the factors that  influence behavioral  intention in  using  Go-Pay. This  study  aims to  examine  and determine the factors  that influence  behavioral intention in using Go-Pay with the modified Unified Theory of Acceptance and Use of Technology2  Model  (UTAUT 2).  This  study  uses a quantitative  method  with  a  questionnaire  as the research instrument. The population of this study is Go-Pay users in the Special Region of Yogyakarta. The method  of  data analysis is SEM-PLS.   The  results showed  that there were  three  factors that were significant in influencing people’s interest in using Go-Pay, namely: Habit, Facilitating Condition, and Price Value.

The purpose of this study is to analyze the acceptance of the core banking system based on technology readiness and acceptance model on Bank Pembiayaan Rakyat Syariah Bangun Drajat Warga in the Special Region of Yogyakarta. Constructions used are optimism, innovativeness, discomfort, insecurity, easy of use and usefulness. This research method uses quantitative with a survey approach. The results of the study show that constructs of optimism and discomfort have a positive and significant effect on the perception of benefits and convenience in using the Core Banking System. The innovativeness construct has a positive and significant effect on the perception of the benefits of the core banking system, but for users, it has a negative effect and does not significantly influence the perception of ease of use of the Core Banking System. Insecurity, easy of use and usefulness constructs shows that there is no positive and significant influence on the perception of benefits and convenience in using the Core Banking System.

This study aims to determine the level of income of women traders on the domestic kiosk and analyzes the factors that in uence the level of income of women traders at the kiosk households in Umbulharjo Gondomanan District and sub-district of Yogyakarta. These factors include venture capital, working hours, and the amount of labor. The test results are individually regression coef cient indicates that the variable amount of venture capital and the amount of labor a signi cant effect on income levels. While the variable working hours no signi cant effect on the level of income.

The monetary situation and the movement of macroeconomic variables are things  that  must be considered  an  investor  in  the  stock  trading activity in a country. The economic  situation  and  fluctuations  in  macro  variables  in  one country  can  affect  the  stock  price,  including  the  oil  and  gas  mining  sub-sector. This  study aimed to examine  the effect of  macroeconomic variables, namely exchange rate, interest rate, and unemployment rate to stock prices.  This study uses quantitative methods. The population in this study are all oil and gas mining sub-sector  companies  listed  in  Indonesia  Stock  Exchange  in  the  period  2012-2017. Sample selection technique is by using purposive sampling method. Based on  predetermined  criteria,  acquired 7 oil  and  gas  mining  sub-sector  companies sampled in this study. Data analysis techniques in this study using multiple linear regression analysis.  The results showed that the variables  simultaneously exchange  rate, interest rate, and  unemployment rate significant effect on stock price of oil and gas mining sub-sector  companies. Partially, variable Exchange Rate and Interest  Rate was  a  significant  influence  on stock price, while the variable Unemployment Rates no significant influence on stock price.

The purpose of this study was to analyze whether there is a difference in financial performance (measured by the Current Ratio, Debt to Equity Ratio, Debt to Total Assets Ratio, Total Assets Turn Over, Return on Investment and Net Profit Margin) the acquire in 2 years before and 2 years after merger acquisition. Grouping of the population being sampled is done non-probability conducted by the method of “purposive sampling” and acquired 13 companies the sample population of 19 companies. Analysis of the measured data of different test receipts, before going to the normality test analyzed the data, if the data are not normally distributed then analysis used in this study is a Paired Sample t-test, and if the data are not normally distributed then testing using the Wilcoxon Signed Rank Test using a significance level of 0.05. Test results using paired sample t-test showed that financial performance is measured by analysis of the Current Ratio, Total Asset Turn Over, Return on Investment and Net Profit Margin there is no difference, while for financial performance as measured by analysis of Debt to Total Assets Ratio indicates there financial performance difference between the 2 years before and 2 years post-merger acquisition. Then testing using the Wilcoxon Signed Rank Test showed no difference in financial performance as measured by Debt to Equity Ratio analysis in the 2 years before and after the merger acquisitions.