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All Journal Manajemen Bisnis Kompetensi Jurnal ULTIMA Accounting ProBisnis : Jurnal Manajemen
Endarto, Eko Agus Prasetyo
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Teknologi Digital Terhadap Keputusan Pelanggan Dalam Memilih TekFin Pinjaman di Indonesia Kurniasari, Florentina; Endarto, Eko Agus Prasetyo
Manajemen Bisnis Kompetensi VOL. 13 NO. 02 JULI-DESEMBER 2018
Publisher : Manajemen Bisnis Kompetensi

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Abstract

Digital technology that is increasingly growing in Indonesia, characterized by an increase in the number of mobile phone users, has led to an increase in financial transactions carried out electronically by 24% in 2017. However, these developments are not in line with the level of financial inclusion of the Indonesian people, which only 64% of people have access to banks. This study aims to analyze the factors of digital technology that can influence customer decisions in using financial technology products (tekfin). The decision to use Tekfin services was influenced by how much customer knowledge was about Tekfin products. The sample in this study was MSME customers from the Rural Credit Bank (BPR) located in Central Java. Data is processed statistically using Structural Equation Method (SEM). The results showed that the customer’s decision in choosing Tekfin was strongly influenced by familiarity, level of literacy and knowledge possessed about Tekfin. Furthermore, this knowledge is formed by the existence of information communicated through social networks, the clarity of government regulations and the type and quality of financial services offered. This research emphasizes the need to provide information through education, intensive promotion supported by government protection so that tekfin users in Indonesia will grow. Keywords: Digital Technology, Customer Decisions, Financing Loans, BPR
The Effect of Company Size and Financial Ratios on the Level of Financial Distress in Banking Sector Endarto, Eko Agus Prasetyo; Mulyono, Mulyono
ProBisnis : Jurnal Manajemen Vol. 15 No. 4 (2024): August-September: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

Banking is an essential sector that improves a country's economy. The world economy has been shaken since the onset of the COVID-19 pandemic, along with global conflicts, which have caused many problems for banks. Banks in Indonesia also feel the impact, so banks need to survive well so as not to experience losses that lead to financial difficulties. This study uses financial ratios and company size to measure the effect of financial distress using the Altman Z-Score. The sample used is a bank listed on the Indonesia Stock Exchange from 2018 – 2022. Data processing using multiple regression with the help of SPSS statistical software. The results of this study found that the ratio of BOPO, ROA, and SIZE had a significant effect on financial distress. In contrast, the NPL, LDR, and BETA ratios did not have a significant effect. The following study can include environmental, social, and governance variables or ESG so that the application of sustainability activities can be measured in relation to financial distress.
PENGARUH LITERASI KEUANGAN TERHADAP PROFITABILITAS USAHA MIKRO KECIL DAN MENENGAH DI KOTA TANGERANG Endarto, Eko Agus Prasetyo; Tirtana, Aloysius Alfando
Ultimaccounting Jurnal Ilmu Akuntansi Vol 12 No 2 (2020): Ultima Accounting : Jurnal Ilmu Akuntansi 
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31937/akuntansi.v12i2.1877

Abstract

Financial literacy is important to improve personal and business financial management skill, especially for small and medium enterprises. Several previous studies have shown an influence between financial literacy and their profits. This research wants to examine whether there is an influence between financial literacy which consists of financial knowledge, behavior and attitude towards SME profits in Tangerang City. Structural Equation Modelling is used as a statistical tool to prove the specified hypothesis. By processing the data, it was found that there was a positive influence between financial literacy and profit. Keywords: Financial Literacy, Financial Knowledge, Financial Behavior, Financial Attitude, Small Medium Enteprise
Co-Authors Kurniasari, Florentina Mulyono Mulyono Tirtana, Aloysius Alfando