Pengaruh Ekspektasi Kinerja Dan Risiko Yang Diterima Terhadap Niat Perilaku Menggunakan Mobile Banking Pada Nasabah Bank Syariah Indonesia Cabang Rantauprapat

Penelitian ini bertujuan untuk menganalisis tentang niat konsumen menggunakan teknologi baru, dengan menguji aplikasi mobile banking. Penelitian ini mengukur hubungan antara ekpektasi kinerja dan resiko yang dirasakan terhadap niat prilaku untuk menggunakan mobile banking. Sampel dalam penelitian ini yaitu nasabah Bank Syariah Indonesia (BSI) cabang Rantauprapat. Penelitian ini merupakan penelitian surve dengan pendekatan kuantitatif. Analisis data dalam penelitian ini menggunakan beberapa langkah, meliputi: uji validitas, uji reliabilitas, uji statistik deskriptif, uji confirmatory, uji outlier, uji struktural equation model, serta pengujian hipotesis. Hasil penelitian ini menemukan bahwa ekspektasi kinerja berpengaruh secara positif terhadap niat prilaku nasabah untuk menggunakan mobile banking. Hasil penelitian juga menemukan bahwa resiko yang diterima juga berpengaruh secara positif terhadap niat nasabah untuk menggunakan mobile banking, yang artinya semakin tinggi resiko yang dirasakan oleh nasabah semakin rendah niat nasabah untuk menggunakan mobile banking, penelitian juga menemukan bahwa niat yang tinggi akan berpengaruh terhadap penggunaan mobile banking

Impact of English Proficiency Training on Primary School Teachers Development of English Speaking Skills

In Pakistan, English as a foreign language is taught from primary classes in public sector schools. Teachers mostly practice traditional teaching method which focuses on reading and writing skills. In primary classes, little importance is paid to the development of speaking skills in English. The government is providing training for teachers in the area of English in order to enhance their speaking skills, strategies and methodologies. This study was designed to explore the impact of English Proficiency Training on primary school teachers' development of speaking skills in English language. The study was based on the qualitative paradigm of research and carried out in the form of case studies of two primary school teachers; one male and one female, who had attended the English Proficiency Training programme in 2008 and were teaching in primary public schools in the district Mirpurkhas. The study focused on understanding what the teachers' perceptions were about their learning from English Proficiency Training programme, what they learned regarding the development of their speaking skills in English; and how their new learning influenced their practices. Data were collected through interviews, observations, informal talks, group discussions and field notes. The study suggests that teachers' personal commitment plays an important role in the application of English Proficiency Training in order to bring about a change in their practices to develop the speaking skills in English despite the challenges. It recommends that teachers need to bring about a change in their teaching methodology and move away from the traditional to the activity-based teaching method. It also suggests the need for coordination between the training institute and the district education officers to ensure a successful implementation of training, along with a strong follow-up mechanism.