The technology applied by companies in transactions must pay attention to aspects of behavior. Researchers use the Technology Acceptance Model (TAM) as the main model of research. The researcher's goal is to determine the effect of several Technology Acceptance Model (TAM) variables on the intention to use financial technology as a means of payment. The data used by researchers are data from 118 students of the Faculty of Economics, Tidar University. Researchers use primary data by distributing questionnaires to students to determine the effect of each variable studied. The validity test used by researchers is the Corrected Item-Total Correlation value, while for the reliability test the Cronbach Alfa Test is used. Researchers use multiple linear regression methods in analyzing data and variables. Researchers found that the effect of perceived ease of use and perceived benefits on the intention to use financial technology in simultaneous transactions and had a significant effect. Likewise, partially, for each variable influences the intention to use financial technology in transactions and reliability.

Peneliti melakukan penelitian untuk mencari tahu pengaruh kompetensi SDM dengan 3 variabel didalamnya yaitu pengetahuan, keterampilan, dan kemampuan pada kinerja yang dihasilkan SDM UMKM di Magelang Tengah. Populasi yang diambil menggunakan purposive sampling dengan 82 sampel ppenelitian. Data didapat dari kuisioner dan wawancara singkat kepada responden. Pengujian dilakukan menggunakan uji validitas dan reabilitas untuk kuisioner terlebih dahulu. Kemudian pengujian dilakukan dengan analisis korelasi dan determinasi selanjutnya menguji menggunakan Analisis regresi berganda menggunakan SPSS versi 20 dan Microsoft Excel. Penelitian ini menjawab bahwa secara parsial variabel pengetahuan tidak berpengaruh terhadap kinerja sedangkan 2 variabel lain yaitu keterampilan dan kemampuan berpengaruh pada kinerja SDM UMKM. Secara simultan variabel kompetensi SDM berpengaruh pada kinerja SDM UMKM di Magelang Tengah. Penelitian ini memiliki keterbatasan penelitian yaitu objek dari penelitian ini dirasa masi kurang luas cakupannya hanya pada Magelang Tengah saja. Pada kondisi lapangan kita melihat bahwa tidak semua pelaku UMKM paham mengenai kompetensi SDM.

This research aims to examine the determination of concentration and type of ownership on the performance and risks of banks listed on the Indonesia Stock Exchange (IDX) for the period 2000-2018. This research was quantitative research using panel data regression analysis methods. The main characteristic of panel data regression analysis is the use of the Hausman test. Data were obtained and collaborated from several data providers such as Osiris, Bloomberg, and the Financial Services Authority (Otoritas Jasa Keuangan or OJK) website. Secondary data were collected from 42 banks listed on the Indonesia Stock Exchange (IDX) using a purposive sampling technique. The data was processed using Stata software. The ownership concentration was measured using the Herfindahl-Hirschman Index (HHI) and foreign and domestic ownership as the proxy using the dummy variable. To measure bank performance, this research was used ROA and ROE proxy while the standard deviation of returns was used to measure bank risks. The results of the research showed that there was no effect of ownership concentration on bank performance. Also, domestic ownership has a positive effect on bank performance. In terms of risks, ownership concentration has a positive effect on bank risks. The more concentrated the ownership of the bank, the bank will more at risks. Besides, foreign and domestic ownership affects bank risks. Foreign ownership has a positive effect on bank risks. The level of foreign ownership of the bank affects bank risks. High foreign ownership puts the bank at risk.

The service industry is needed by investors as an investment opportunity because the service industry becomes dominant as the economy develops. In this study, the Current Ratio (CR), Earnings Per Share (EPS), Return On Assets (ROA), and Return On Investment (ROI) are all examined in relation to stock prices. SPSS software version 24 and descriptive research with a quantitative approach were used in this study. The results showed that the hypothesis test of multiple linear regression analysis with independent variables (Current Ratio, Earning Per Share, Return On Investment, and Return On Equity) and one dependent variable, namely stock prices, explained that the Current Ratio (CR), Return on Assets (ROA), and Return on Investment (ROI) have no significant effect on stock prices, but Earning Per Share (EPS) has a significant effect on stock prices.

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy andtolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.