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Journal : Benefit : Journal of Bussiness, Economics, and Finance

Dampak Financial Technology Terhadap Inklusi Keuangan di Daerah Rural Sulawesi Selatan Asriyana, Asriyana; Hasti, Astuty; Daryanti, Daryanti
Benefit: Journal of Bussiness, Economics, and Finance Vol. 3 No. 1 (2025): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v3i1.1101

Abstract

Penelitian ini bertujuan untuk menganalisis dampak penggunaan teknologi finansial (tekfin) terhadap inklusi keuangan di Desa Lembang, sebuah daerah pedesaan di Kabupaten Pinrang, Sulawesi Selatan. Dengan menggunakan pendekatan kualitatif deskriptif, penelitian ini mengumpulkan data melalui wawancara mendalam dengan warga yang telah menggunakan layanan tekfin, pengusaha mikro, dan tokoh masyarakat desa. Hasil penelitian menunjukkan bahwa kehadiran tekfin memberikan dampak positif terhadap peningkatan akses keuangan di desa, seperti kemudahan menabung secara digital, melakukan transaksi nontunai, dan mengakses pinjaman mikro. Perubahan perilaku keuangan masyarakat yang sebelumnya mengandalkan transaksi tunai bergeser ke penggunaan layanan digital yang lebih efisien. Namun, studi ini juga menemukan tantangan seperti rendahnya literasi digital dan digital finansial, terbatasnya infrastruktur jaringan internet, dan risiko keamanan digital yang perlu diperhatikan. Secara keseluruhan, tekfin telah membuka peluang inklusi keuangan di daerah perdesaan, namun masih diperlukan upaya lebih lanjut dalam hal edukasi keuangan, perbaikan infrastruktur, dan pengawasan untuk mengoptimalkan dampaknya.
Strategi Manajerial Dalam Menghadapi Ketidakpastian Ekonomi : Studi Pada Industri Perbankan Musseng, Ahmad; Daryanti, Daryanti; Asriyana, Asriyana
Benefit: Journal of Bussiness, Economics, and Finance Vol. 3 No. 2 (2025): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v3i2.1227

Abstract

This research analyzes the managerial strategies of banks in Makassar in facing economic uncertainty with qualitative approach and case study design on five representative banks. The research was conducted in five stages: preparation, data collection through interviews, observation, and documentation study, data analysis using thematic techniques and local economic contextual analysis, and validation of findings through triangulation of sources and methods. The results show that banks in Makassar adopt adaptive strategies, focusing on strengthening internal management (organizational restructuring, human resource development, and technology-based control systems) and external collaboration (partnerships with fintech, research institutions, and educational institutions). Strategic differences between nationalbanks that are more flexible to local markets and multinational banks that excel in integrated systems and structured risk management were also found. The findings result in a contextualized managerial strategy model and practical recommendations for risk management and service innovation in the banking sector.
Co-Authors . Haslianti Abdi Wijaya, Abdi Abdul Hamid Abdul Rauf Muhammad Amin, Abdul Rauf Muhammad Adzro'i, Muhammad Agus Kurnia Ahmad Musseng Ahmad Mustafa Amril Amril Aninditia Sabdaningsih Arami, Hasnia Arami, Hasnia Ari Sandy Muchtar, Ari Sandy Arsyad, Risko Asnawati Asrari Aswady, Tri Utary Baampe, Chevy Iwani Bahrin, Nurtini Bahtiar Bahtiar Bahtiar, . Balubi, Abdul Muis Budiman, Burhanuddin Cia, Wa ode Cimiming Cut Muthiadin DARYANTI DARYANTI Dayuman, . Dedy Oetama Disnawati Disnawati, Disnawati DYP Sugiharto, DYP Ermayanti Ishak, Ermayanti Erni, Rosma Fadila, Miftahul Fitriani Fitriani Gusrin, Gusrin Halili Halili Hamid, Ode Ali Akbar Hardianti Hardianti, Hardianti Hasan Eldin Adimu Hasti, Astuty Hatma, Muhammad Iksan hatta, iksal Haya, La Ode Muhammad Heru Mugiarso Hute, Endang Rahmi Ira Ira Irawati, Nur Irawati, Nur Jali, Wa jannati, zhila Jumarti, Jumarti Jumiati, . Kalimatussadia, Kalimatussadia Kamri, Syamsul KIKI WULANDARI La Asrin La Ode Alirman La Ode M. Yasir Haya, La Ode M. La Ode Muhamad Julhija Sanda La Ode Muhammad Arsal La Sara La Sara La Sara La Sara, La Sara Marhana, Wa Ode Muhajirah, Eva Muhammad Ramli Muhammad Ramli Muhammad Ramli Muhtar Muhtar Muliani Muliani Munier, Taswin Mursalim Mursalim Muslih, Yuyun Nuriyah Muslimin Kara Nasution, Jamilah Aini Normayanti Thamrin Mardhan Nur Irawati Nur Irawati Nur Irawati Nurdiana A Nurgayah, Wa Nurwanah, Nurwanah Paramata, Adhayani Mentari Putra, Apriawan Arufi Rahman Ambo Masse Rahmawati, Karisma Dwy Ramli, Muh. Randy, Muh. Fuad Ratna Diyah Palupi Ratna Sari Raudhatul Mahdaniah Ridwan, Exfar Alli Riswana, Emilia Salwiyah, Salwiyah Sandi, Ahmad Sapa, Nasrullah Bin Siddik, Riesa Rismawati Sissah Sissah Slamet Budi Prayitno Sridasweni, Sridasweni Subhan Subhan Sudarno Sudarno Sunawan Sunawan Suriani, Ningsih Syaifullah Syaifullah Tadjuddah, Muslim Taufikir, . Widjaja, Abdi