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All Journal Moneter : Jurnal Akuntansi dan Keuangan Jurnal Kridatama Sains dan Teknologi Balance Vocation Accounting Journal Jurnal Visualika
Suprapta, Imam
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Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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Financial Technology and Financial Inclusion on MSME:Mixed-Method Research Approach Wati, Lela Nurlaela; Isprihayadi, Heri; Nisa, Khoirun; Lutfi, Mohamad; Suprapta, Imam
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 7, No 2 (2020): Oktober 2020
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v7i2.9583

Abstract

This study aims to examine the role of financial technology in increasing financial inclusion in Micro, Small, and Medium Enterprises. This research uses mixed-method research with sequential mixed methods especially sequential explanatory strategy. In the first phase, 116 questionnaires were given to respondents as many as 116 MSMEs then conducted interviews with respondents and related parties in depth. Empirical evidence shows that the role of Financial Technology has a positive and significant effect on Financial Inclusion. These results indicate that fintech can increase financial inclusion. Based on interviews, fintech products that are often used by MSMEs are third-party payment systems and Peer-to-Peer (P2P) type of payment systems. Examples of platforms that are often used by MSMEs are Go food, Gopay, Grab food, OVO, JakOne, M-Banking, and SMS Banking. For the Crowdfunding fintech type, it has not been implemented by many MSMEs. The large number of MSME entrepreneurs who have used fintech products in their businesses shows that MSME entrepreneurs have used financial services in the form of savings accounts so that it has an impact on increasing financial inclusion. Suggestions from the results of this study are the Government needs to conduct regular training on the use of financial technology to MSME actors, there are strong synergy and cooperation in developing a fintech system to improve the digital economic system at MSMEs. Regulations need to be updated with the development of innovations.
IMPLEMENTASI APLIKASI SAKTI KEMENTERIAN KEUANGAN PADA KINERJA KPU Zaenudin, Zaenudin; Negoro, Adityo; Pandaya, Pandaya; Suprapta, Imam
Balance Vocation Accounting Journal Vol 8, No 1 (2024): June
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/bvaj.v8i1.12205

Abstract

Penggunaan aplikasi SAKTI secara penuh sebagai sistem pengelolaan keuangan Negara berbasis digital yang mengintegrasikan tahapan pelaksanaan anggaran yang dimulai dari proses perencanaan dan penganggaran, pelaksanaan, serta pertanggungjawaban anggaran Negara. Peneliti ingin mengetahui dan memberikan bukti empiris tentang analisis penerapan aplikasi SAKTI pada kinerja  di KPU sesuai Peraturan Menteri Keuangan dengan No.71/PMK.05/2021 tentang Pelaksanaan Sistem SAKTI, menyatakan bahwa Sistem Aplikasi SAKTI diterapkan secara penuh (full module) oleh seluruh Satuan Kerja Kementerian Negara/Lembaga (Satker K/L) pada Tahun 2022.Sampel yang diperoleh sebanyak 94 responden dan diambil secara purposive sampling yaitu teknik untuk menentukan sampel penelitian dengan beberapa pertimbangan tertentu yang bertujuan agar data yang diperoleh nantinya bisa lebih representative.  Analisis data yang digunakan analisis statistik dengan menggunakan software IBM SPSS. Operasionalisasi variabel diperlukan untuk menentukan jenis, indikator, serta skala dari variabel-variabel yang terkait dalam penelitian antara variabel independen dengan variabel dependen.Berdasarkan hasil pengujian secara statistik dengan menggunakan program SPSS, dapat diketahui bahwa seluruh variabel independen dalam penelitian ini, yaitu kompetensi SDM dan kesiapan mempunyai pengaruh terhadap penerapan aplikasi SAKTI secara simultan. Dapat disimpulkan bahwa seluruh variabel independen dalam penelitian ini (X1 danX2) secara simultan mempengaruhi variable (Y). Kompetensi SDM dan Kesiapan secara bersama-sama mempengaruhi penerapan aplikasi SAKTI.
SISTEM INFORMASI UJIAN ONLINE BERBASIS WEB PADA SMK MUHAMMADIYAH 01 BEKASI Harahap, Dewi Estri Jayanti; Saputra, Fajar; Suprapta, Imam
Jurnal Visualika Vol. 9 No. 2 (2023): Jurnal Visualika
Publisher : Prodi Sistem Informasi Universitas Saintek Muhammadiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56459/jv.v9i2.73

Abstract

Teknologi komunikasi dan elektronik sudah sedemikian berkembang pesat, sehingga menyebabkan pendidikan juga turut mengalami peningkatan dalam hal kualitas, kecepaatan, kepraktisan dan juga kemudahan, ujian konvensional pun bergeser ke arah komputerisasi salah satunya dengan adanya ujian online. SMK Muhammadiyah 01 Bekasi bertujuan memperoleh kemudahan dalam melakukan kegiatan kegiatan ujian secara online, Sistem Informasi ini memudahkan proses – proses tersebut, sehingga proses ujian akan lebih efektif dan efisien dan memberikan kemudahan bagi guru SMK Muhammadiyah 01 Bekasi untuk menjalankan ujian secara online. Metode yang digunakan yaitu waterfall adalah metode yang menyediakan pendekatan alur hidup perangkat lunak secara sekuensial atau terurut dimulai dari analisis, desain, pengodean, pengujian, dan tahap pendukung (support). Desain Aplikasi Menggunakan sistem UML (Unified Modelling language) yaitu terdiri dari use Case Diagram, Class Diagram, Activity Diagram dan Squence Diagram. Sedangkan untuk bahasa pemrograman menggunakan Hypertext Preprocessor (PHP) , Cascading Style Sheet (CSS), JavaScript, dan MySQL sebagai database. Hasil penelitian ini dapat mempermudah proses alur ujian, manajemen nilai, pendataan siswa,proses kegiatan penilaian. Dengan adanya system ujian online berbasis web ini, SMK Muhammadiyah 01 Bekasi bisa mengurangi anggaran dan waktu yang dibutuhkan relatif sedikit sehingga lebih efektif dan efisien .
Sistem Manajemen Kelas Menggunakan K-Means Clustering untuk Pengelompokan Kelas Unggulan pada Sekolah Dasar Negeri Neglasari 3 Anggraini, Fitri; Suprapta, Imam; Warno, Warno; Fahrezi, Hafid
Jurnal Kridatama Sains dan Teknologi Vol 7 No 02 (2025): Jurnal Kridatama Sains dan Teknologi
Publisher : Universitas Ma'arif Nahdlatul Ulama Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53863/kst.v7i02.1841

Abstract

This study aims to develop and analyze a classroom management system using K-Means Clustering at SD Negeri Neglasari 3. The system is designed to group outstanding classes objectively, efficiently, and transparently based on students' academic achievements. The system is designed to streamline the data processing of students in the grouping of elite classes, which currently still relies on manual processes. The system development method used is the waterfall method, consisting of the following stages: Requirement Analysis, Design, Implementation, Testing, and Maintenance. The system is built using the Hypertext Preprocessor (PHP) programming language and the MySQL database. To test the developed system, several methods were used, including black-box testing, User Acceptance Test (UAT), time comparison tests (pre-test and post-test), and the distribution of satisfaction questionnaires to 10 teachers as respondents. The research results showed that black-box testing and User Acceptance Test validation were 100% successful. Additionally, the developed system demonstrated a significant improvement in task completion time efficiency for class grouping, increasing by 80.63% compared to manual methods. The questionnaire responses yielded a score of 4.49 out of 5. Thus, the research findings confirm that the developed system is a valid solution for objectively and efficiently grouping elite classes
Co-Authors Fahrezi, Hafid Fitri Anggraini, Fitri Harahap, Dewi Estri Jayanti Isprihayadi, Heri Khoirun Nisa Lutfi, Mohamad Negoro, Adityo Pandaya, Pandaya saputra, fajar Warno Warno Wati, Lela Nurlaela Zaenudin Zaenudin