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THE INFLUENCE OF FINANCIAL INCLUSION, INNOVATION, FINTECH, PERCEIVED BENEFIT, AND PERCEIVED RISK ON THE FINANCIAL PERFORMANCE OF MSMEs IN MEDAN CITY Tanady, Alvin; Ariesa, Yeni; Rischa, Rischa; Wati, Fenny; Fong, Fandi; Sahbana, Agung
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 5 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.13395

Abstract

The purpose of this study is to examine the impact of Financial Inclusion, Innovation, Fintech, Perceived Benefit, and Perceived Risk on the Financial Performance of UMKM in Medan City. The research method used is associative research (relationship analysis). The population in this study consists of UMKM owners in Medan City. The sampling technique applied is Accidental Sampling, with a total of 100 respondents, excluding 30 respondents used for validity testing. The data analysis method employed is multiple linear regression.The results of the F-test show that the F-calculated value (18.617) is greater than the F-table value (2.31) with a significance level of < 0.05, indicating that Financial Inclusion, Innovation, Fintech, Perceived Benefit, and Perceived Risk simultaneously have a significant influence on the Financial Performance of UMKM in Medan City. The t-test results reveal that Financial Inclusion has a positive and significant effect, Innovation has a negative and significant effect, Fintech has a positive and significant effect, Perceived Benefit has a positive and significant effect, and Perceived Risk has no effect on the Financial Performance of UMKM in Medan City. The coefficient of determination analysis shows an Adjusted R² value of 0.471, indicating that 47.1% of the variation in Financial Performance is explained by Financial Inclusion, Innovation, Fintech, Perceived Benefit, and Perceived Risk variables, while the remaining 52.9% is explained by other variables.
THE INFLUENCE OF WORK BEHAVIOR ON EMPLOYEE PERFORMANCE THROUGH THE WORK ENVIRONMENT AT THE REGIONAL FINANCIAL AND ASSET MANAGEMENT AGENCY OF LABUHAN BATU REGENCY Nugraha, Muhammad Bagus; Faris, Salman; Sahbana, Agung
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 7 No. 2 (2026): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v7i2.8009

Abstract

The decline in the quality of a bureaucracy is often caused by employees who are less than optimal in carrying out their duties. Therefore, this study will examine the influence of work behavior on employee performance through the work environment at the Regional Financial and Asset Management Agency (BPPA) of Labuhanbatu Regency. Data collection in this study used quantitative methods, and analysis utilized Structural Equation Modeling (SEM). The research population was all employees at the Regional Financial and Asset Management Agency of Labuhanbatu Regency and agencies related to the institution. Data collection and collection involved field observation and questionnaires. The study concluded that work behavior positively influences the work environment. Work behavior also positively influences employee performance. Furthermore, the work environment positively influences employee performance. Finally, work behavior positively influences employee performance through the work environment at the Regional Financial and Asset Management Agency (BPPA) of Labuhan batu Regency.
Pengaruh Earnings Per Share, Return On Assets, Current Ratio Dan Price To Book Value Terhadap Harga Saham LQ45 Di BEI Tahun 2021–2023 Sahbana, Agung; Lysander, Kenji; Chandra, Stefanie; Zoraya, Carissa; Ginting, Wenny Anggeresia
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 3 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i3.10511

Abstract

Studi ini menganalisis pengaruh indikator fundamental keuangan yakni Earnings Per Share (EPS), Return on Assets (ROA), Current Ratio (CR), dan Price to Book Value (PBV) terhadap harga saham perusahaan-perusahaan yang tergabung dalam Indeks LQ45 di Bursa Efek Indonesia untuk periode 2021 hingga 2023. Pemilihan periode ini didasarkan pada pertimbangan bahwa masa tersebut merepresentasikan fase pemulihan ekonomi pasca pandemi COVID-19, yang ditandai dengan kondisi pasar yang masih fluktuatif dan perubahan ekspektasi investor. Dengan menggunakan metode regresi data panel terhadap sampel 29 emiten yang dipilih secara purposive (total 87 observasi), penelitian ini menguji hubungan kausal antara variabel-variabel tersebut. Hasil estimasi model menunjukkan bahwa secara parsial, hanya EPS yang memberikan pengaruh positif dan signifikan terhadap harga saham. Sebaliknya, ROA, CR, dan PBV secara individual tidak menunjukkan pengaruh yang signifikan. Namun, secara simultan, keempat variabel tersebut secara kolektif terbukti berpengaruh signifikan dengan nilai koefisien determinasi yang disesuaikan (Adjusted R²) sebesar 0,555. Implikasi dari temuan ini mengindikasikan bahwa dalam konteks pasca pandemi, para investor lebih mengandalkan indikator profitabilitas langsung seperti EPS sebagai dasar pertimbangan investasi, sementara indikator efisiensi, likuiditas, dan valuasi pasar relatif kehilangan daya penjelasnya. Dengan demikian, penelitian ini tidak hanya memberikan kontribusi praktis bagi para pelaku pasar, tetapi juga memberikan wawasan akademis melalui analisis kritis mengenai relevansi teori fundamental dalam periode transisi ekonomi.