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Abdul Hamid
Sekolah Tinggi Ilmu Ekonomi Mahardhika Surabaya, Indonesia

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Adopsi Financial Technology dan Perubahan Model Bisnis Bank Konvensional Abdul Hamid
JOURNAL OF ECONOMICS, BUSINESS, MANAGEMENT, ACCOUNTING AND SOCIAL SCIENCES Vol. 3 No. 5 (2025): JULY 2025
Publisher : PUTRA JAWA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63200/jebmass.v3i5.207

Abstract

Perkembangan pesat teknologi digital telah mendorong transformasi signifikan dalam sektor keuangan, khususnya melalui adopsi financial technology (FinTech) yang mengubah model bisnis bank konvensional secara fundamental. FinTech menawarkan layanan yang lebih cepat, efisien, dan terjangkau, sehingga menantang dominasi perbankan tradisional dalam berbagai lini, mulai dari pembayaran, pinjaman, hingga manajemen aset (Gomber et al., 2017). Untuk merespons disrupsi ini, bank konvensional mulai mengadopsi teknologi digital dan mengubah strategi bisnisnya dari model fisik tradisional menjadi hybrid atau sepenuhnya digital (Vives, 2019). Studi ini bertujuan untuk menganalisis bagaimana adopsi FinTech memengaruhi inovasi model bisnis bank, serta sejauh mana perubahan tersebut meningkatkan daya saing dan efisiensi operasional. Dengan pendekatan kualitatif melalui studi literatur dan wawancara mendalam, penelitian ini menemukan bahwa kolaborasi strategis dengan startup FinTech, penerapan open banking, serta digitalisasi proses internal menjadi kunci keberhasilan transformasi perbankan di era digital. Temuan ini menegaskan bahwa adaptasi teknologi tidak hanya berdampak pada efisiensi operasional, tetapi juga pada reposisi nilai dalam ekosistem keuangan global.
Pengaruh Modal Dan Biaya Produksi Terhadap Laba Bersih Pada Usaha Mikro Kecil Menengah Sektor Makanan Dan Minuman Di Kabupaten Sidoarjo Hibatin Wafiroh; Abdul Hamid; Rika Yuliastuti
JOURNAL OF ECONOMICS, BUSINESS, MANAGEMENT, ACCOUNTING AND SOCIAL SCIENCES Vol. 3 No. 5 (2025): JULY 2025
Publisher : PUTRA JAWA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63200/jebmass.v3i5.213

Abstract

Understanding and analyzing the partial and simultaneous effects of capital and production expenses on net profit in small and medium-sized businesses in the food and beverage industry in Sidoarjo Regency is the aim of this study. The study uses a quantitative approach. The micro, small, and medium-sized businesses (MSMEs) that are active in Sidoarjo Regency make up the study's population. Using purposive selection approaches, a sample of 100 MSME operators in the food and beverage industry was chosen. Through the distribution of questionnaires, primary data was gathered for this study. Multiple Linear Regression is the data analysis technique used in this study, and SPSS software was used for processing. The results of this study show that, when taken into account jointly, capital and production costs have a major impact on the net profit of MSMEs in the food and beverage industry in Sidoarjo Regency.
Analisis Sistem Informasi Akuntansi Persediaan Bahan Baku untuk Meningkatkan Efektivitas Pengendalian Internal (Studi Kasus pada Rocket Chicken Baureno Bojonegoro) Kiki Purna Widya; Abdul Hamid; Rika
JOURNAL OF ECONOMICS, BUSINESS, MANAGEMENT, ACCOUNTING AND SOCIAL SCIENCES Vol. 3 No. 6 (2025): SEPTEMBER 2025
Publisher : PUTRA JAWA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63200/jebmass.v3i6.216

Abstract

This study is intended to analyze the application of an accounting information system for raw material inventory in increasing the effectiveness of internal control at Rocket Chicken Bojonegoro. This research is located on Jl. Ahmad Yani, Ngrandu, Baureno, Bojonegoro, Bojonegoro Regency, East Java 62192. This research was conducted using a qualitative analysis method with a descriptive approach, namely an analysis based on a description that supports the analysis by focusing on an understanding of problems in social life only and detail which only describes the form of sentences.the raw material inventory accounting information system implemented by rocket chicken bourno bojonegoro is running well because it has carried out the provisions in accordance with the raw material inventory procedures. inspection of raw materials regularly and more closely so that there are no delays in recording any existing inventory processes. The accounting information system for raw material inventory at Rocket Chicken Bojonegoro can improve the effectiveness of intemal control.
Co-Authors Hibatin Wafiroh Kiki Purna Widya Rika Rika Yuliastuti