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All Journal KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society
Faisal Matriadi
Universitas Malikussaleh,Aceh, 24351, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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articel INVESTIGATING THE ROLE OF BIG DATA ANALYTICS IN ENHANCING FINANCIAL RISK MANAGEMENT Zaenal Aripin; Lili Adi Wibowo; Faisal Matriadi
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 10 (2024): KISA INSTITUE : September 2024
Publisher : PT. Kreatif Indonesia Satu

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Background:The increasing complexity and volatility of global financial markets have intensified the need for innovative tools to manage risks effectively. Traditional risk management methods often fail to adapt to real-time changes and large-scale data, leading to missed opportunities and increased vulnerabilities. Big Data Analytics (BDA) has emerged as a transformative solution, enabling financial institutions to process vast and diverse datasets to predict risks, detect fraud, and enhance decision-making capabilities. Aims:This study aims to explore the role of Big Data Analytics in enhancing financial risk management. It seeks to examine the benefits, challenges, and future implications of BDA adoption, focusing on its impact on risk prediction accuracy, fraud detection, real-time monitoring, and regulatory compliance in financial institutions. Research Method:The study employs a mixed-method approach, integrating quantitative and qualitative analyses. Quantitative data were derived from financial reports, industry surveys, and case studies, while qualitative insights were gathered through interviews with industry professionals and analysis of institutional practices. Statistical tools and thematic analysis were utilized to draw comprehensive conclusions. Results and Conclusion:The findings reveal that BDA significantly improves risk prediction accuracy, fraud detection rates, and response times in risk management. Institutions leveraging BDA reported enhanced compliance metrics and operational efficiencies. However, challenges such as data quality issues, high implementation costs, and regulatory hurdles persist. Addressing these barriers is critical to unlocking the full potential of BDA in financial risk management. Contribution:This study contributes to the understanding of how BDA reshapes financial risk management practices. It provides actionable insights for financial institutions, regulators, and researchers to overcome implementation challenges and capitalize on the opportunities offered by advanced analytics.
articel EXPLORING THE INFLUENCE OF CORPORATE GOVERNANCE ON FINANCIAL REPORTING QUALITY AND INVESTOR CONFIDENCE Mohamad Ruli Fahmi; Lili Adi Wibowo; Faisal Matriadi
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 10 (2024): KISA INSTITUE : September 2024
Publisher : PT. Kreatif Indonesia Satu

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Background Corporate governance has become increasingly critical in the wake of financial scandals and corporate collapses that have shaken global markets. As stakeholders demand greater transparency and accountability, the relationship between governance mechanisms, financial reporting quality, and investor confidence has garnered significant attention. Effective governance practices are essential to ensure accurate financial disclosures, maintain market stability, and foster trust among investors. Aims This study aims to explore the influence of corporate governance attributes—such as board independence, audit committee effectiveness, and CEO duality—on the quality of financial reporting and investor confidence. The research seeks to identify key governance practices that enhance transparency, reduce financial misstatements, and build sustainable investor trust across diverse regulatory and cultural environments. Research Method The study employs a mixed-methods approach, integrating quantitative and qualitative analyses. Quantitative data was collected from the financial and governance disclosures of 200 publicly listed companies across multiple industries between 2010 and 2020. Regression models were used to analyze the relationship between governance attributes and financial reporting quality. Qualitative data, derived from interviews with governance experts and financial analysts, was employed to contextualize the quantitative findings and provide deeper insights into governance practices. Results and Conclusion The findings reveal that robust corporate governance frameworks significantly improve financial reporting quality and enhance investor confidence. Board independence, frequent audit committee meetings, and the separation of CEO and chairman roles are identified as critical factors in reducing financial misstatements and fostering transparency. Comparative analysis highlights regional disparities in governance effectiveness, emphasizing the need for tailored governance reforms. Overall, the study underscores the importance of governance as a cornerstone of financial market stability and investor trust. Contribution This research contributes to the growing body of knowledge on corporate governance by providing empirical evidence on the governance-reporting-investor nexus. It offers actionable recommendations for policymakers, regulators, and companies to strengthen governance practices and promote financial transparency.
FINANCIAL INCLUSION THROUGH FINTECH PLATFORMS: OPPORTUNITIES AND CHALLENGES IN INDONESIA Maya Ariyanti; Ucu Supriatna; Faisal Matriadi
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 11 (2024): KISA INSTITUE : October 2024
Publisher : PT. Kreatif Indonesia Satu

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Background: Indonesia faces persistent financial exclusion despite economic growth, with over 100 million adults lacking formal financial access. Aims: This research investigates fintech contributions to financial inclusion in Indonesia. Method: Mixed-methods with survey (n=500) and interviews across urban/rural Indonesia. Results: Digital payments show 78% adoption; digital lending reaches 42% of previously unbanked. Key barriers include digital literacy (65%), internet access (52%), and trust (48%). Government support correlates with 2.3x higher adoption. Contribution: Provides evidence for fintech-driven inclusion in emerging markets, informing policy and platform development.
ANALYZING THE IMPACT OF INTEREST RATE CHANGES ON CONSUMER LOAN DEMAND AND BANK PROFITABILITY Zaenal Aripin; Fitriana; Faisal Matriadi
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

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Background:Interest rate changes represent fundamental monetary policy tools with profound implications for consumer borrowing and bank profitability through complex transmission mechanisms. Aims:This research analyzes the impact of interest rate fluctuations on consumer loan demand and bank profitability across different economic contexts. Research Method:Employing longitudinal mixed-methods design, we examined data from 25 banks over five years, incorporating quantitative lending analysis and qualitative consumer/executive insights. Results and Conclusion:1% rate increase corresponds to 12% decrease in loan applications, with mortgages most sensitive. Bank profitability shows complex relationships: 8% increase for diversified portfolios, 3% decrease for consumer-focused institutions. Contribution:The study contributes to monetary policy transmission theory and provides practical frameworks for optimizing product positioning and risk management across interest rate cycles. This study aims to analyze the effect of interest rate changes on consumer loan demand and the profitability of commercial banks. It seeks to identify patterns, establish causal relationships, and propose actionable insights for financial institutions.   Research Method: A mixed-method approach is adopted, employing both qualitative and quantitative data. Time-series analysis is conducted on historical data spanning the last two decades, incorporating macroeconomic variables and interest rate trends. In addition, surveys of consumer attitudes toward loans at different interest rate levels are analyzed to gauge demand sensitivity.   Results and Conclusion: Preliminary findings suggest a significant inverse relationship between interest rates and consumer loan demand. Banks experience increased profitability in periods of higher interest rates, although at the cost of potential market contraction. Lower rates generally boost consumer loan demand, but the effects on profitability are more nuanced, depending on the type of loan products offered.   Contribution: This research provides a comprehensive analysis of how shifts in interest rates influence consumer behavior and bank profitability. It contributes to a better understanding of how banks should tailor their lending strategies in response to rate changes and provides insights for policymakers on the broader economic implications of interest rate adjustments.  
Co-Authors Fitriana Fitriana Lili Adi Wibowo Maya Ariyanti Mohamad Ruli Fahmi Ucu Supriatna Zaenal Aripin Zaenal Aripin