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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi JIET (Jurnal Ilmu Ekonomi Terapan) Hasanuddin Economics and Business Review Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo EKONOMIS : Journal of Economics and Business SEIKO : Journal of Management & Business YUME : Journal of Management Jurnal Mantik Ecces: Economics, Social, and Development Studies Economics and Digital Business Review Jurnal Manajemen dan Organisasi Review (MANOR) Jurnal Ekonomi Jurnal Ar-Ribh ProBisnis : Jurnal Manajemen Al-Buhuts (e-journal) International Journal of Social Science, Education, Communication and Economics International Business and Accounting Research Journal Jurnal Ekonomika dan Dinamika Sosial Journal of Social and Humanities Pancasila International Journal of Applied Social Science Celebes Journal of Community Services eJEBA Balance: Jurnal Ekonomi
Anwar, Anas Iswanto
Faculty Of Economics And Business, Universitas Hasanuddin, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Jurnal Ekonomi

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ANALYSIS OF COMMUNITY BEHAVIOR IN THE CASHLESS ERA OF THE NON-CASH PAYMENT SYSTEM IN MAKASSAR CITY Sri Handila Mirwan; Anas Iswanto Anwar; Sri Undai Nurbayani
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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Abstract

This study aims to determine the factors that influence the people of Makassar city in conducting non-cash transactions. These factors consist of convenience, trust, lifestyle, risk, and cost. The data used in this study is primary data obtained directly from respondents using a questionnaire of 214 respondents using a Likert scale calculation. Respondents selected in this research are people who have monthly income or salaries, both public and private employees, with the category of permanent and non-permanent employees. The analytical method used is multiple linear regression with the SPSS analysis tool. Based on the analysis that has been carried out, the results show that partially the ease and risk variables have a positive and significant effect, while the trust and cost variables have a negative and significant effect, and the cost variable has no significant results. It can be stated in this study that there are four variables, namely Convenience, Trust, Risk, and Cost which have a significant influence together on the Non-Cash Transaction variable with a percentage level of 46%, while the remaining 54% is influenced by other variables.,
THE EFFECT OF FINANCIAL TECHNOLOGY (FINTECH) ON BANKING FINANCIAL PROFITS IN INDONESIA (CASE STUDY ON BUMN BANK KBMI 4) Anggy Khusnul Khatima; Anas Iswanto Anwar; Muhammad Yusri Zamhuri
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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This study aims to determine and analyze the effect of funding, lending and interest rates at banks on bank profitability through three indicators, namely ROA, NIM, and LDR at BUMN Banks KBMI 4, namely Bank BRI, Mandiri, and BNI after fintech. This study uses secondary data obtained from the Central Bureau of Statistics (BPS), the official website of each type of bank, and OJK. The data used is panel data consisting of 3 types of banks namely BRI, Mandiri and BNI in Indonesia in 2014-2021. The data analysis method used is Panel Data Regression using the fixed effect model. Based on the results of this study indicate that Funding has a significant negative effect on Bank Banking Profitability KBMI 4. Lending has a positive and significant effect on the Profitability of Banking KBMI 4 Banks in Indonesia. Meanwhile, interest rates have two different results which have a positive and significant effect on the profitability of Bank BUMN KBMI 4 through NIM and LDR, but have no significant effect through ROA.
Co-Authors Abdul Hamid Habbe, Abdul Hamid Abdul Rahman Abdul Rahman Agus Bandang Aldina Nur Fajrin Ali Akbar Amalia, nur Rezky Amiruddin Amiruddin Andi Harmoko Arifin Anggy Khusnul Khatima Arifuddin Arifuddin Asryad, Rahmat Audy Alifia Rudy Awal Nopriyanto Bahasoan Bahasoan, Awal Nopriyanto Bandang, Agus Chairatul Djannah Cicit Mahmut Djamal, Bayu Pamungkas Fadly Yashari Soumena Fatmawati Fatmawati Fattah, Sanusi Haeriah Hakim Haliah, Haliah Hamrullah Hasan Basri Umar Hasbiah Hasim Hasim Husnul Khatimah Indraswati Tri Abdi Reviane Karina, Arni Laming, Ripa Fajarina Larasanto, Aji Lekas, Meldilianus Nabas J Lenas, Meldilianus Nabas J. Madris Madris, Madris Mediaty Meldilianus Nabas J. Lenas Mirzalin Zaenal Muhammad Ikbal Muhammad Rifai Muhammad Yusri Zamhuri Muhammad Yusri Zamhuri Munawwarah S. Mubarak Mursalim Nohong Mustari, Bakhtiar Nadhirah Nagu Nagu, Nadhirah Natasha Triwidyastuti Triwidyastuti Nurbayani, Sri Undai Nurcahyadi Nurcahyadi Paddu, Abdul Hamid Paramitha, Citra Rahmat Arsyad Rahmatia Rahmatia Rahmatia Rahmatia Rakhmat Nurul Prima Nugraha Rezki Putri Rifky Sahran Ripa Fajarina Laming Rita Yunus Riza Praditha Rolle Muhammad Uyuun MB Sabir Sabir Saifuloh, Nur Imam Sanusi Fattah Sanusi Fattah Setyawan, Anggie Bayu Shiva Sari Nalurita Sri Handila Mirwan Sri Rahmi Sri Undai Nurbayani Sri Undai Nurbayani Sri Undai Nurbayani Sudarmin Sudarmin Taufik Hidayat Tiara Risang Ayu Wasiaturrahma, Wasiaturrahma Yohanis Rura