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All Journal Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Journal Markcount Finance Maneggio
Christiaan, Pemy
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Public Health Other

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The Influence of Fintech on Traditional Financial Management Fatticia, Rika; Harjoni, Harjoni; Christiaan, Pemy; Julyarman, Nasrun; Ariyanti, Rini
Journal Markcount Finance Vol. 2 No. 2 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v2i2.1283

Abstract

For centuries, conventional financial institutions such as banks and cooperatives have played an important role in the economy. However, advances in technology and digitalization have significantly changed the world's financial landscape. Financial Technology (Fintech) has emerged as a disruptive force offering innovative financial solutions, such as automated investment management, peer-to-peer lending, and digital payments. This research aims to discover and analyze the impact of Fintech on conventional financial management. Specifically, this research aims to assess the impact of Fintech on the efficiency and effectiveness of conventional financial services, assess changes in user behavior in managing their finances due to the convenience offered by Fintech, and discover the challenges and opportunities faced by financial institutions. Mixed methods is an approach that combines quantitative and qualitative approaches in this research. Quantitative data is collected through surveys of financial services users to measure their opinions about Fintech services and their impact on personal financial management. The results of this research show that Fintech has changed conventional financial management. From a user perspective, Fintech has increased the ease and efficiency of accessing and managing financial services, and many users say they are more likely to use Fintech apps and platforms for everyday transactions, managing savings and investments. From the side of conventional financial institutions, this research found that Fintech has increased the amount of money they invest. This study found that Fintech is changing conventional financial management in terms of service efficiency and user behavior. While Fintechs offer more convenience and efficiency, they also force traditional financial institutions to adapt and innovate with new technologies.
The role of Financial Technology (Fintech) in Improving Financial Literacy and Inclusion in Indonesia Christiaan, Pemy; Rosalia, Olyvia; Firayani, Firayani; Noviya, Anis
Maneggio Vol. 2 No. 1 (2025): Maneggio-Feb
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/tkmpes83

Abstract

This study aims to analyze the role of Financial Technology (Fintech) in improving financial literacy and inclusion in Indonesia. Fintech has grown rapidly and become a solution for people who previously had limited access to formal financial services. Using quantitative methods, this study involved 310 respondents who are users of Fintech services in Indonesia. Data was collected through an online questionnaire and analyzed using multiple linear regression and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results showed that the use of Fintech has a significant effect on improving financial literacy, especially through the financial education feature in the application. In addition, Fintech also plays a role in increasing financial inclusion by providing wider access to digital banking services, online loans, and digital-based investments. However, there are some challenges in utilizing Fintech, such as low digital literacy and concerns regarding data security. Therefore, policies that support the development of Fintech that are more inclusive and educative are needed so that the benefits can be optimally felt by the community.
Praktik Tanggung Jawab Sosial Corporate Social Responsibility (CSR) Pada PT. Agro Artha Surya Di Kecamatan Wonosari Christiaan, Pemy; Abdul Karim, Rusdi
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.7652

Abstract

Penelitian ini dimaksudkan untuk mengetahui Praktik Tanggung Jawab Sosial Corporate Social Responsibility (CSR) Pada PT. Agro Artha Surya Di Kecamatan Wonosari. Penelitian ini bertujuan untuk mengetahui menganalisis Penelitian ini bertujuan untuk menganalisis praktik tanggung jawab sosial (Corporatae Social Responsibility) pada PT. Agro Artha Surya. Penelitian ini menggunakan jenis penelitian kualitatif deskriptif yaitu menggambarkan bagaimana praktik tanggung jawab sosial atau CSR pada PT. Agro Artha Surya. dengan  fokus  penelitian ini Perencanaan, Implemnetasi dan Evaluasi pada Bidang Ekonomi, Sosial dan Lingkungan. Yang menjadi  Key informan Dalam penelitian ini ialah Human Resource Departement (HRD) PT. Agro Artha Surya Di Kecamatan Wonosari, dan Karyawan bagian keuangan PT. Agro Artha Surya., dan informannya ialah Aparatur Desa, Tokoh Masyarakat dan Masyarakat Desa Pangeya. Hasil penelitian menunjukkan bahwa Bahwa PT. Agro Artha Surya, berdasarkan wawancara dengan informan menunjukan bahwa PT. Agro Artha Surya telah melaksanakan program Corporate Social Responsibility (CSR) secara terprogram baik secara periodik maupu ketika terjadi kejadian yang tak terduga, perusahaan selalu menunjukan kepedulian terhadap peristiwa tersebut. Hasil penelitian berdasarkan wawancara dengan informan menunjukan bahwa PT. Agro Artha Surya telah mengimplementasi program Corporate Social Responsibility (CSR) sesuai dengan program yang telah direncanakan. Hasil penelitian berdasarkan wawancara dengan informan menunjukan bahwa PT. Agro Artha Surya selalu melakukan evaluasi terhadap program Corporate Social Responsibility (CSR) berdasar program yang telah direncanakan serta implementasi yang telah di lakukan.
Pengaruh Maturity, Kupon, Profitabilitas dan Likuiditas Terhadap Peringkat Obligasi Pada Sektor Keuangan di Bursa Efek Indonesia Christiaan, Pemy; Karim, Rusdi Abdul
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.12081

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh maturity, kupon, profitabilitas dan likuiditas terhadap peringkat obligasi. Adapun metode yang digunakan dalam penelitian ini adalah kuantitatif dengan menggunakan analisis linear berganda. Sampel yang digunakan adalah 40 perusahaan sektor keuangan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2017-2021. Hasil penelitian menunjukkan bahwa Maturity berpengaruh terhadap Peringkat Obligasi. Kupon berpengaruh terhadap Peringkat Obligasi. Net Profit Margin tidak berpengaruh terhadap Peringkat Obligasi. Return On Equity berpengaruh terhadap Peringkat Obligasi. Likuiditas tidak berpengaruh terhadap Peringkat Obligasi.
Analisis Financial Literacy, Emotional Intelligence dan Parent's Income terhadap Financial Behavior Ningrum, Endah Prawesti; Christiaan, Pemy; Mahmudin, Tono
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7452

Abstract

Penelitian yang tujuannya agar menganalisis financial literacy, emotional intelligence, dan parent’s income terhadap financial behavior. Perilaku konsumtif pada generasi muda, penggunaan layanan paylater, ataupun minimnya kemampuan pengelolaan keuangan menjadi indikasi pentingnya pemahaman terkait faktor-faktor yang memengaruhi financial behavior. Populasi penelitian dilakukan untuk Gen Z yang berada di Kota Bekasi. Penelitian metodenya memanfaatkan pendekatan kuantitatif, dengan melalui teknik dikumpulkan data memakai rangkaian kuesioner. Penyebaran data dilakukan pada populasi Gen Z di Kota Bekasi. Sampel untuk olah data yang diteliti 100 responden. Teknik analisis data memanfaatkan uji validitas, reliabilitas, serta mempergunakan analisis regresi linier berganda. Untuk hasil diteliti menjelaskan bahwa financial literacy memiliki pengaruh positif, signifikan terhadap financial behavior di Kota Bekasi. Emotional intelligence memiliki pengaruh positif, signifikan terhadap financial behavior di Kota Bekasi. Parent's income memiliki pengaruh positif, signifikan terhadap financial behavior di Kota Bekasi. Secara simultan, financial literacy, emotional intelligence dan parent's income memiliki pengaruh positif, signifikan terhadap financial behavior pada Gen Z di Kota Bekasi. Hasil penelitian yang diperoleh dari nilai Adjusted R2 terbuktikan sebesar 42,1%. Rekomendasi untuk peneliti berikutnya dapat menggunakan faktor internal lain seperti financial attitude, pinjaman online, maupun financial knowledge. Penelitian yang diharap agar memberi kontribusi untuk pengembangan literasi keuangan, meningkatkan kesadaran GenZ dapat mengelola keuangan secara bijak.
Co-Authors Abdul Karim, Rusdi Ariyanti, Rini Fatticia, Rika Firayani, Firayani Harjoni Harjoni Julyarman, Nasrun Karim, Rusdi Abdul Mahmudin, Tono Ningrum, Endah Prawesti Noviya, Anis Rosalia, Olyvia