Fin Sinergy: Jurnal Manajemen Keuangan

The Influence of Fintech Payment on The Faculty of Economics Students' Financial Management Behavior

2023-12-10T07:30:37-05:00

This research aims to determine the effecttrust in fintech payment services, benefits of fintech payment services and ease of fintech payment serviceson the financial management behavior of students at the Faculty of Economics, Samudra University. The sample in this study consisted of 91 students. The data analysis method used is multiple linear regression analysis, t test, F test and coefficient of determination. The regression equation is Y = 1.533 + 0.063X1 + 0.361X2 + 0.202X3.trust in fintech payment services, benefits of fintech payment services and ease of fintech payment servicespartially has a significant effect on financial management behavior.trust in fintech payment services, benefits of fintech payment services and ease of fintech payment servicessimultaneously has a significant effect on financial management behavior. Adjusted R2 is 0.350. That is, variabletrust in fintech payment services, the benefits of fintech payment services and the ease of fintech payment services influenceFinancial management behavior of students at the Faculty of Economics, Samudra University is 35%, while the remaining 65% is influenced by other variables outside this research model.

Assessment of The Success of Regional Autonomy (Regional Expansion) In Terms of Regional Financial Performance in Jambi Regencies

2023-12-10T06:44:35-05:00

This research aims to: Analyze the Financial Performance of Expanded Regions and Parent Regions in Regencies/Cities in Jambi Province. Period 2009-2021. The analytical tool used in this research is: to analyze Regional Financial Performance. Research Results on Financial Performance of the expansion regions and parent regions during the research period were classified as non-autonomous. This is because many regions that have been expanded are not yet ready and have not been able to find sources of original regional income, as well as explore the potential of their regions, while the parent regions have lost their original sources of regional income, this is due to the division of original regional sources of income with the expansion areas.

The Influence of Stock Ownership on Company Performance Listed Food and Drink on the Indonesian Stock Exchange Period 2020-2022

2023-12-10T07:15:58-05:00

This research aims to determine managerial ownership, institutional ownership and public ownership of the performance of food and beverage companies listed on the Indonesia Stock Exchange (BEI) for the 2020-2022 period. This research is a type of quantitative descriptive research. The population in this research is food and beverage companies listed on the Indonesia Stock Exchange (BEI) from 2020-2022, totaling 33 companies. Determining the sample in this study used a saturated sampling technique, that is, the entire population was sampled. This research technique uses multiple linear regression analysis techniques. By testing the hypothesis with the T test, Determination test and F test. The results of the research show that (1) Managerial Ownership has a positive and insignificant effect on company performance as proven by the Sig Sig value. 0.348 ≥ 0.05, (2) Institutional ownership has a positive and insignificant effect on company performance as evidenced by a Sig value of 0.003 ≤ 0.05, (3) Public ownership has a positive and insignificant effect on company performance as evidenced by a Sig value of 0.989≥ 0 .05. Managerial Ownership, Institutional Ownership and Public Ownership simultaneously have no effect on company performance as evidenced by the Sig value of 0.294 ≥ 0.05. The suggestion for further research is that it is hoped that it will be able to develop better research in the future regarding improving company performance and adding research variables.

Analysis of Factors Affecting the Income of Corn Farmers in Kopang District, Central Lombok Regency

2023-12-10T08:10:18-05:00

This research aims toanalyze the factors that influence the income of corn farmers in Kopang District, Central Lombok Regency. The dependent variable in this research is the income received by farmers in one farming cycle. Meanwhile, age, education, land area and farming experience are independent variables. Of the 11 villages in Kopang District, 3 villages were selected with the highest number of farmers cultivating corn in Kopang District, namely Wajageseng Village, Bebuak Village, and Kopang Rembiga Village.The number of respondents was determined by Quota Sampling at 30 peopleAndThe determination of respondents in the three (3) villages was determined using Proportional Random Sampling. Based on the results of variance analysis (ANOVA) with the SPSS program, the following regression model was obtainedY = -1,107+24,483X1-13,676X2+7,819X3-7,407X4 where: a = constant, b1 = regression coefficient X1, b2 = regression coefficient X2, b3 = regression coefficient X3 and b4 = regression coefficient X4. X1= Age, X2= Education X3= Land Area and X4= Farming Experience.Results of variance analysis (F test)with the SPSS program at a confidence level of 95%,shows that the four variables are independent: age, education, land area, and farming experience(X1, Meanwhile, the partial test (t test) shows that there is one independent variable that partially has a significant effect on the income of corn farmers in Kopang District, Central Lombok Regency, namely the land area variable (X3).

Understanding the Meaning of Maqashid Syariah in Designing Financial Statement Objectives

2023-12-10T18:29:14-05:00

This article focuses on the importance of understanding and integrating Maqashid Syariah principles in designing financial report objectives. The objectives of traditional financial reports tend to be limited to financial aspects alone, ignoring ethical, moral and social benefit dimensions. However, in an economic environment based on Islamic values, the need to direct financial reports towards achieving the public benefit becomes increasingly important. By applying a conceptual analysis approach and literature review, this article explores the concept of Maqashid Syariah and how its principles can be integrated into the objectives of financial reporting . The results of the analysis show that understanding the meaning of Maqashid Syariah brings a paradigm shift in formulating the objectives of financial reports. Apart from emphasizing transparency and accountability, more inclusive goals such as social justice, community benefit, and the fulfillment of individual rights are more emphasized aspects. This article provides a more in-depth view of how the concept of Maqashid Syariah can provide direction in overcoming contemporary economic challenges and bridging the gap between the financial and ethical dimensions of financial reporting. By embracing Maqashid Syariah principles in designing financial reporting objectives, companies can contribute to the realization of an economy that is fairer, more sustainable and in accordance with Islamic principles.

Analysis of Factors Affecting Income Red Onion Farming in Woha District, Bima Regency

2023-12-10T19:06:22-05:00

This research aims to determine the income of red onion farming and to examine the influence of factors such as land area, capital, labor, production, and prices on red onion farming income in the Woha District, Bima Regency. The study was conducted in the Woha District, Bima Regency, from August to September 2023. The sample size of respondents in this study was 34 individuals determined through Proportional Random Sampling technique. Primary data were collected through observation, interviews, and documentation. To achieve the research objectives, multiple linear regression analysis was employed using the SPSS program. The research results indicate that the average revenue of red onion farming in the Woha District, Bima Regency, per production cycle is Rp. 70,100,735, with average expenses of Rp. 39,267,367 and average income of Rp. 30,833,368. Simultaneously, factors such as land area (X1), capital (X2), labor (X3), production (X4), and prices (X5) significantly influence the income (Y) of red onion farming in the Woha District, Bima Regency, with a coefficient of determination (R2) of 99.9%. Partially, factors such as land area (X1), capital (X2), production (X4), and prices (X5) significantly affect the income (Y) of red onion farming in the Woha District, Bima Regency, while labor (X3) does not have a significant impact.

Analysis of Conformity Between Expectations and Realization in Sharia Bank' Financial Services in Aceh Tamiang District

2023-12-12T06:23:58-05:00

This research aims to determine the correspondence between expectations and realization in financial services based on the dimensions of services provided at Sharia Commercial Banks and this research was specifically carried out at Bank Syariah Indonesia Kualasimpang City Branch Office. The data used is primary data sourced from 100 research respondents at Bank Syariah Indonesia Kualasimpang City Branch Office. The data analysis method uses quantitative methods with difference test analysis and Cartesian diagrams. The research results showed that there was a difference between expectations or in this case the customer's expectations and the realization or in this case the performance of the Indonesian Syariah Bank Kualasimpang City Branch Office with a value of 405,000>403.4211. Based on the Cartesian diagram, it is known that the customer's expectations and the bank's realization (performance) are in quadrant III and quadrant IV. In quadrant III, it can be seen that it contains factors that are considered less important by customers and in fact their performance is not very special. Then in quadrant II, there are factors that are considered important by customers and are in accordance with what they feel so that the level of satisfaction is relatively higher. Therefore, the attributes included in this quadrant must be maintained.

Introduction of Sharia Financial Literacy at Majlis Taklim Nurul Jamal Leles Garut

2023-12-16T06:43:05-05:00

This research aims to explore the effectiveness of introducing sharia financial literacy at Majlis Taklim Nurul Jamal, Leles Garut. Given the importance of understanding Islamic finance in the context of Islamic economics, this research focuses on how knowledge and practice of Islamic finance can be improved among Majlis Taklim members. The methodology used includes surveys and in-depth interviews with Majlis members, teachers and local community leaders. Surveys were conducted to assess the level of Islamic financial literacy before and after educational sessions, while interviews were used to gain deeper insight into perceptions and attitudes towards Islamic finance. The research results show that there is a significant increase in understanding of sharia financial concepts, such as the principle of profit sharing, fairness in transactions, and avoidance of usury, after attending a series of educational sessions. Many respondents reported positive changes in attitudes towards Islamic financial products and services. In addition, this research also identified several challenges, including a lack of access to reliable sources of information and the need for educational materials that are more relevant to the local context. This research provides valuable insight into the importance of Islamic financial literacy in Muslim communities and offers recommendations for further development of literacy programs. The implications of these findings are important for policy developers, Islamic financial institutions, and educators in the field of Islamic economics, providing a basis for more effective intervention strategies in increasing Islamic financial literacy in local communities.

The Effect of Net Profit Margin and Total Asset Turn Over on Return on Investment at Transmart Indonesia Employee Cooperative Period 2012–2021

2023-12-26T18:44:02-05:00

This research aims to determine the effect of Net Profit Margin and Total Asset Turn Over on Return On Investment in the Transmart Indonesia Employee Cooperative, either partially or simultaneously. The research method used in this research is quantitative descriptive research and uses statistical analysis. The population used is the financial report of the Transmart Indonesia Employee Cooperative. The sample used is data originating from notes on financial reports, balance sheets and profit and loss reports of the Indonesian Transmart Employee Cooperative for the period 2012 to 2021. The variables used in this research consist of the Net Profit Margin and Total Asset Turn Over variables , as the independent variable and the Return On Investment variable as the dependent variable. The research results obtained show that Net Profit Margin and Total Asset Turn Over have a significant effect on Return On Investment. The results of the simultaneous test (F test) show that the independent variables (Net Profit Margin and Total Asset Turn Over) simultaneously have a significant effect on the Return On Investment variable.

Effect of Changes in Working Capital and Current Ratio on Return on Equity at PT. Kalbe Farma Tbk. Period 2010 – 2020

2024-01-05T10:04:34-05:00

This research aims to determine the influence of changes in working capital and current ratio on return on equity at PT. Kalbe Farma Tbk for the 2010 – 2020 period, both partially and simultaneously. This research method uses a quantitative descriptive method, namely conducting research that describes the company's financial condition expressed in numerical form. The type of data used in research is secondary data. The type of secondary data used is the financial report of PT. Kalbe Farma Tbk for the period 2010 – 2020 within a period of 11 years. Obtained from BEI (Indonesian Stock Exchange) and PT website. Kalbe Farma Tbk. The analytical methods used in this research are descriptive statistical tests, classical assumption tests, simple linear regression tests, multiple linear regression, correlation coefficient tests, coefficient of determination tests, and hypothesis tests. The research results show that partial changes in working capital (X1) do not have a significant effect on return on equity (Y) with t calculated at 1.536 < t table 2.306. With a significant level of 0.163 > 0.05. Partially the current ratio (X2) has a significant effect on return on equity (Y) with a calculated t of 2.372 > t table 2.306. With a significant level of 0.026 <0.05. Simultaneously there is a significant positive influence of changes in working capital (X1) and current ratio (X2) on return on equity (Y) with a calculated f value of 4.560 > f table 4.46 with a significance level of 0.048 < 0.05.

The Influence of Leadership Style and Work Discipline on Employee Performance at PT. Bambu Cemerlang (Lazada) Hub Sumur Batu

2024-03-02T11:53:31-05:00

This research examines the influence of leadership style and work discipline on employee performance within PT. Bambu Cemerlang (LAZADA). In organizational contexts, human factors are paramount, driving all activities towards achieving goals. Effective management hinges upon knowledgeable and skilled employees operating within suitable leadership frameworks. Leadership style, defined as the behavioral norm guiding influence over others, significantly impacts organizational success. Similarly, work discipline fosters order and efficiency, crucial for goal attainment. Through quantitative analysis utilizing SPSS software, data from interviews, questionnaires, and observations were analyzed. Results indicate that both leadership style and work discipline significantly affect employee performance. The combined effect of these variables contributes substantially to employee performance, as evidenced by a coefficient of determination of 62.8%. However, 37.2% of performance variation remains unexplained, suggesting the presence of other influencing factors. This study provides empirical evidence supporting the importance of leadership style and work discipline in enhancing employee performance. The findings offer valuable insights for human resource development strategies and contribute to the management literature.

Giving Prizes in Term Savings Products with Prizes (Siberkah) According to Sharia Economic Law at BMT Dana Ukhuwah Cicalengka Branch Bandung District

2024-04-01T08:04:04-04:00

This research aims to determine the gift giving system in terms of savings products with prizes at BMT Dana Ukhuwah, Cicalengka Branch, Bandung Regency. As well as problems that occur in the implementation of prize giving which result in a mismatch between terms and conditions and those that occur in the field. In this research the outsider used empirical research by collecting data in the form of observations, interviews and documentation. Because with this method the author can interact directly with the data source so that the data the author finds will be very clear. The results of this research show that the term savings with prizes is one of BMT Dana Ukhuwah service programs. This prize will be given to customers who have fulfilled the terms and conditions. The existence of prizes in this term savings system makes customers interested in saving their funds in BMT Dana Ukhuwah. Gifts given to customers in the form of objects such as gas stoves, magicom, and gold according to the nominal amount of savings saved. Prizes will be given at the beginning of account opening with the deposit amount and the period determined at the time of agreement. In view of sharia economic law, giving gifts at the BMT Dana Ukhuwah branch Cicalengka Bandung Regency is permitted as long as it does not contain elements of gambling and no party is harmed.