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All Journal Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan MANDAR: Management Development and Applied Research Journal EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Manajemen Sains dan Organisasi (JMSO) Journal of Research in Social Science and Humanities Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Jurnal Locus Penelitian dan Pengabdian Journal of Accounting and Finance Management (JAFM) Journal of Artificial Intelligence and Digital Business PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi AKSIOMA : Jurnal Sains Ekonomi dan Edukasi
Sarlawa, Rita
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Religion Aerospace Engineering Arts Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Akselerasi Pelayanan Nasabah Melalui Transformasi Digital Byond dan Peningkatan Efisiensi Administrasi di BSI KCP Palangkaraya 1 Dinata, Pusvita Ardian; Sarlawa, Rita; Riyany, Ellsa; Khotimah, Khusnul
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 3 No. 4 (2026): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/aksioma.v3i4.2499

Abstract

This community service study aims to analyze the acceleration of customer service through digital transformation using the BYOND application and to evaluate the improvement of administrative efficiency at BSI KCP Palangkaraya 1. The method employed is descriptive qualitative, with data collection techniques including observation, interviews, and documentation conducted from February to March 2026. The results indicate that conventional service processes at Customer Service and Teller units are still dominated by physical forms and manual verification, leading to long queues. The implementation of the BYOND application faces technical obstacles such as facial verification (liveness detection) failures and low digital literacy among senior customers. However, through direct education and mentoring programs, there has been a significant increase in administrative efficiency, a reduction in physical queues, and improved accountability of transaction data. This study confirms that the integration of digital technology, accompanied by intensive mentoring, can create a more responsive and efficient sharia banking ecosystem in Palangka Raya.
Pengaruh Literasi Keuangan dan Perilaku Risiko Keuangan terhadap Kepercayaan Pengguna Layanan Keuangan Digital dengan Sosialisasi Perlindungan Konsumen oleh Otoritas Jasa Keuangan Sebagai Variabel Moderasi Nurvina, Deti; Sarlawa, Rita; Muliyani, Agustina; Hamzah, Pratiwi
Journal of Accounting and Finance Management Vol. 7 No. 2 (2026): Journal of Accounting and Finance Management (May - June 2026)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v7i2.3302

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Literasi Keuangan dan Perilaku Risiko Keuangan terhadap Kepercayaan Pengguna Layanan Keuangan Digital dengan Sosialisasi Perlindungan Konsumen oleh Otoritas Jasa Keuangan (OJK) sebagai variabel moderasi. Penelitian ini dilatarbelakangi oleh meningkatnya penggunaan layanan keuangan digital yang disertai berbagai risiko, seperti penipuan digital, mencakup data pribadi, dan rendahnya tingkat kepercayaan masyarakat terhadap keamanan layanan digital. Data dikumpulkan melalui kuesioner yang dibagikan kepada 97 pengguna layanan keuangan digital yang mengikuti siaran pers: OJK dorong generasi pahami keuangan digital, kuliah umum di Universitas Palangka Raya dan diolah menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) dengan teknik bootstrapping. Hasil penelitian menunjukkan bahwa seluruh hipotesis yang diterima, di mana Literasi Keuangan berpengaruh positif dan signifikan dengan koefisien jalur sebesar 0,255, Perilaku Risiko Keuangan sebesar 0,440 sebagai variabel paling dominan, dan Sosialisasi Perlindungan Konsumen sebesar 0,264. Selain itu, Sosialisasi Perlindungan Konsumen mampu memoderasi hubungan Literasi Keuangan dan Perilaku Risiko Keuangan terhadap Kepercayaan Pengguna Layanan Keuangan Digital. Variabel dalam penelitian ini mampu menjelaskan varian Kepercayaan Pengguna Layanan Keuangan Digital sebesar 80%, yang termasuk kategori kuat. Penelitian selanjutnya disarankan menambahkan variabel lain seperti keamanan sistem, kemudahan penggunaan aplikasi, dan kualitas layanan agar memperoleh hasil yang lebih komprehensif.
Pengaruh Nilai Perusahaan dan Financial Distress terhadap Harga Saham dengan Struktur Modal sebagai Moderasi Tanjung, Oktami Nabella; Sarlawa, Rita; Widyaningsih, Dhina Sri; Hamzah, Pratiwi
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 4 (2026): May 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i4.9806

Abstract

This study is grounded in the volatility of LQ45 stock prices on the Indonesia Stock Exchange (IDX) during 2020–2024, influenced by global economic dynamics and post-pandemic conditions. This study aims to examine the impact of firm value and financial distress on stock prices, as well as to explore the role of capital structure as a moderating variable. The study employs a quantitative method with secondary data sourced from corporate financial reports. Purposive sampling technique yielded 9 companies with 45 observations. Data processing was conducted through PLS-SEM combined with Moderated Regression Analysis (MRA). The findings reveal that firm value has a positive and significant effect on stock prices (T-statistic = 5.912; p = 0.000), suggesting that higher company valuation leads to greater investor appreciation. In contrast, financial distress shows no significant effect on stock prices (β = 0.002; p = 0.990), as financial distress information for large-cap LQ45 issuers is already priced in early by investors. Capital structure successfully moderates the relationship between firm value and stock prices (T-statistic = 2.495; p = 0.013), indicating that an optimal financing composition strengthens the positive signal of firm value in the market. However, capital structure fails to moderate the impact of financial distress on stock prices (β = −0.189; p = 0.261), suggesting that market sentiment and external factors dominate stock price movements under financial pressure conditions. The overall model explains 55.1% of stock price variation. These results indicate that corporate financing decisions are more dominated by firm value and capital structure than by financial distress risk. This study provides managerial implications for investors and corporate management in designing increasingly accurate and strategic financial policies to enhance firm value and stock price stability in the capital market.
Co-Authors Amalia, Desiva Azis, Akbar Barus, Iren Nita Br Cahaya Tamba, Ruth Dinata, Pusvita Ardian Hamzah, Pratiwi Harinie, Luluk Tri khusnul khotimah Kristina, Rika Kristinae, Vivi Kurniawan, Hengky Mahrita, Ani MUHAMMAD ALI Muliyani, Agustina Nurvina, Deti Nurwati, Solikah Puspitasari, Gresia Riyany, Ellsa Ronni Haga Sri Widyaningsih, Dhina Tanjung, Oktami Nabella Widyaningsih, Dhina Sri