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All Journal J-MACC : Journal of Management and Accounting Jurnal Pemberdayaan Umat Diversity Logic Journal Multidisciplinary Jurnal Pengabdian Kepada Masyarakat
Rachmaniyah, Fatichatur
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Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Journal : Diversity Logic Journal Multidisciplinary

 1 
COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE OF DIGITAL BANKS DURING THE COVID-19 PANDEMIC Rachmaniyah, Fatichatur; Purwati, Titik
DIVERSITY Logic Journal Multidisciplinary Vol. 1 No. 1 (2023): April: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v1i1.23

Abstract

Background. Along with the development of technology, banking services in Indonesia have largely transitioned into Digital Banks. Digital banks have become a solution to economic problems during the pandemic period. Research Purpose. To determine the analysis of the differences in the financial performance of digital banks during the COVID-19 pandemic period. Research Method. The research employs a comparative quantitative approach with a case research design. The research objects are three digital banks, namely Jago Bank, BTPN Bank, and Bukopin Bank. The data used in the research consists of financial reports from the quarters of the years 2020-2021. The research variables include the ratios ROA, ROE, BOPO, NPM, DER, and LDR. The analysis method utilizes the ANOVA test. Findings. The financial performance in terms of ROA, ROE, BOPO, NPM, and DER ratios between Jago Bank and BTPN Bank showed significant differences. However, the LDR ratio was no significant difference. The financial performance between Jago Bank and Bukopin Bank, in terms of the ROA, ROE, NPM, and DER ratios, resulted in significant differences. However, the BOPO dan LDR ratios were no significant differences. The overall ratios of BTPN Bank & Bukopin Bank have a significant difference. Conclusion. There is a significant difference in financial performance between Jago Bank, BTPN Bank, and Bukopin Bank during the pandemic period. These three digital banks exhibit different financial performances, aligning with their respective areas of focus. However, there are some variables among these digital banks that did not show significant differences in the LDR and BOPO.
THE NEXUS OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND FINANCIAL INCLUSION ON FINANCIAL PERFORMANCE: INSIGHTS FROM LAMONGAN'S CULINARY MSMES Maulidia Putri, Ihza Zamzara; Rachmaniyah, Fatichatur; Shoimah, Siti
DIVERSITY Logic Journal Multidisciplinary Vol. 2 No. 3 (2024): December: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v2i3.102

Abstract

Background: The MSME culinary sector is one of the most popular industries in Indonesia, particularly in Lamongan. MSME entrepreneurs in this sector need to enhance their understanding of financial literacy and financial inclusion to improve their business's financial performance. Additionally, keeping up with modern developments by utilizing financial technology is crucial to optimizing financial management. Research Purpose: This study aims to understand how financial literacy, fintech, and financial inclusion impact the financial performance of culinary micro, small, and medium enterprises in Lamongan. Research Method: This study uses an explanatory quantitative research approach. Data collection was conducted through Likert-scale questionnaires distributed to 140 MSME respondents in the culinary sector in Lamongan. These respondents were selected using purposive sampling, and the data were analyzed using multiple linear regression. Findings: The study reveals that financial literacy and inclusion enhance the financial performance of culinary micro, small, and medium enterprises in Lamongan. While fintech's role is insignificant, a synergistic approach involving all three factors significantly contributes to improved performance. Conclusion: Financial literacy and financial inclusion among MSMEs in Lamongan's culinary sector are relatively good. However, the application of financial technology does not significantly affect financial performance, as most consumers in Lamongan, from lower-middle-income groups, do not widely use fintech for transactions.
Co-Authors Anisa Ulfah, Anisa Astuti, Selvia Laely Dwi Indah Maulida, Alif Indriani, Arya Dhita Khamila, Nabillatul Kusmayasari, Dewi Maulidia Putri, Ihza Zamzara Novi Darmayanti Prameswana, Harda Sari Finas, Intan Setyorini, Ani Siti Shoimah