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All Journal Jurnal Ilmiah Manajemen Kesatuan Blantika : Multidisciplinary Journal
Noni Ardian
Universitas Pembangunan Panca Budi, Indonesia
Computer Science & IT Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The role of Financial Technology by Indonesian Digital Banks Maya Macia Sari; Noni Ardian
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 2 (2026): JIMKES Edisi March 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i2.4728

Abstract

One of the key pillars supporting the operations of digital banks is cloud computing technology, which enables flexible management of data and applications through the internet. Cloud computing has become an ideal solution for digital banks because it offers efficiency in managing information technology infrastructure. This study aims to examine the use of cloud computing technology by digital banks in Indonesia. A qualitative approach with a case study method was employed to analyze how cloud computing is utilized by Indonesian digital banks. The findings of this study indicate that cloud computing technology has a significantly positive impact on the operations of digital banks in Indonesia. A total of 75% of digital banks reported a reduction in operational costs of up to 30% after adopting cloud computing, while 60% noted improvements in data access speed due to the flexibility of the infrastructure. Service scalability is also a major advantage, with 55% of banks able to increase capacity without making substantial investments in additional infrastructure. Furthermore, the integration of cloud technology with big data and artificial intelligence allows 70% of banks to enhance service personalization, such as more accurate product recommendations and improved fraud detection. However, this study also identifies several key challenges, including data security concerns experienced by 40% of digital banks, as well as compliance with local regulations, which remains an obstacle for 50% of banks.
The Effect of Company Size and Current Ratio on Capital Structure with Return on Asset as an Intervening Variable in Pharmaceutical Companies Listed on the IDX Noni Ardian; Maya Macia Sari; Desvi Cristiani Sianturi
Blantika: Multidisciplinary Journal Vol. 3 No. 11 (2025): Special Issue
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/blantika.v3i11.465

Abstract

The pharmaceutical industry in Indonesia has experienced significant growth, with capital structure decisions playing a crucial role in optimizing financial performance and maximizing company value. This study aims to analyze the impact of company size and current ratio on capital structure, with return on assets (ROA) acting as an intervening variable, for pharmaceutical companies listed on the Indonesia Stock Exchange (IDX) between 2017 and 2024. Using a quantitative approach, the research samples 6 companies selected through purposive sampling. Secondary data was obtained from annual financial statements accessed via IDX and company websites. The data was analyzed using Structural Equation Modeling (SEM) with SmartPLS software. The findings reveal that company size significantly affects return on assets (ROA), which in turn influences capital structure. The current ratio also has a significant effect on both ROA and capital structure. Furthermore, company size impacts capital structure through ROA as an intervening variable. The study highlights the significant influence of both company size and current ratio on capital structure in pharmaceutical companies, providing valuable insights for financial decision-making in the industry.
Co-Authors Desvi Cristiani Sianturi Maya Macia Sari