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Kemampuan Financial Technology Dalam Menjangkau UMKM Serta Peluang dan Tantangan Perkembangannya di Indonesia Ratundima, Alinsia Tabita; Kudu , Yonski Umbu; Anakonda, Adwan Umbu; Kelen, Lusianus Heronimus Sinyo
AKSIOMA : Jurnal Manajemen Vol 2 No 1 (2023): AKSIOMA : Jurnal Manajemen [Februari-Juli 2023]
Publisher : Program Studi Manajemen dan Magister Manajemen, Fakultas Ekonomika dan Bisnis, Universitas Katolik Widya Mandira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30822/aksioma.v2i1.1993

Abstract

Teknologi keuangan merupakan bentuk inovasi layanan keuangan yang dipadukan dengan menggunakan teknologi. Teknologi keuangan memberikan kemudahan bagi pengguna dalam mengkases salah satunya yaitu pelaku UMKM. Perkembagan teknologi keuangan juga tidak jauh dari peluang dan tantangan yang dihadapi. Tujuan penulisan artikel ini yaitu untuk mengetahui kemampuan teknologi keuangan dalam menjangkau UMKM serta peluang dan tantangan perkembangannya di Indonesia. Sehingga di peroleh bahwa dalam menjangkau mitranya seperti UMKM, teknologi keuangan menggunakan peluang dimana pelaku UMKM sulit dalam memperoleh pengaksesan kreditnya yang di sebabkan oleh minimnya informasi mengenai profil UMKM serta belum terpenuhinya persyaratan manajemen risiko. Adanya hambatan ini membuat peluang bagi teknologi keuangan (fintech) dengan memberikan kemudahan pembiayaan bagi pelaku UMKM. Teknologi keuangan hadir dengan menawarkan model bisnis seperti P2P lending, dompet digital, financial planer dan lainnya. Peluang dan tantangan perkembangannya di Indonesia adalah peluang : Adanya kesempatan yang di berikan OJK bagi pelaku teknologi keuangan untuk mendaftarkan diri di Ojk dan Akses yang mudah dan cepat serta tantangan : Beberapa teknologi keuangan yang belum terdaftar di OJK dan Kurangnya literasi mengenai teknologi keuangan di tengah masyarakat sehingga tingkat kepercayaan masyarakat akan teknologi keuangan masih rendah.
Analisis Efisiensi Usaha Pande Besi dengan Metode Data Envelopment Analysis (DEA) Wunu, Dedi Hiwa; Kelen, Lusianus Heronimus Sinyo
AKSIOMA : Jurnal Manajemen Vol 2 No 2 (2023): AKSIOMA : Jurnal Manajemen [Agustus-Januari 2023]
Publisher : Program Studi Manajemen dan Magister Manajemen, Fakultas Ekonomika dan Bisnis, Universitas Katolik Widya Mandira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30822/aksioma.v2i2.2216

Abstract

This study aims to analyze the efficiency of the pande besi business using the Data Envelopment Analysis (DEA) method (a study on blacksmith businesses in Kota Waingapu District, East Sumba Regency). In this study, the method used is the descriptive quantitative method. The type of data used in this research is primary data. The data collection method used in this study, namely interviews, is to collect relevant data obtained from the owner of the blacksmith business in the District of Waingapu City. This research uses an analysis tool, Data Envelopment Analysis (DEA). The software used for research is DEAP version 2.1. Variables that affect output include production factors that affect production. Based on the results of the research, the authors have found that of the 6 respondents in the blacksmith business, the product units that did not achieve efficiency were traditional machetes, knives, and sickles, the sources that caused inefficiency in each product unit in the blacksmith business came from the less optimal use of variable input and output. Turning inefficient businesses into efficient ones can be done by adjusting the actual values of the inefficient input and output variables to the target values recommended by the DEA.
ANALYSIS OF DIFFERENCES IN PERFORMANCE BANK BEFORE AND DURING THE COVID-19 PANDEMIC Sufriyani Sufriyani; Lusianus Heronimus Sinyo Kelen
MANAJEMEN Vol 1 No 2 (2021): OKTOBER : MANAJEMEN (Jurnal Ilmiah Manajemen dan Kewirausahaan)
Publisher : LPPM Politeknik Pratama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/manajemen.v1i2.156

Abstract

The Corona Virus Disease 2019 pandemic (known as COVID-19) has hit all sectors and human life, including banking activities in Indonesia. The risk of banking as a company collecting public funds is also increasing due to the restrictions on community activities and the low level of the Indonesian economy after being hit by COVID-19. Bank Indonesia did not predict that such a condition would occur. Therefore, this study is aimed to examine the differences in Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Non Performing Loans (NPL), Loan to Deposit Ratio (LDR) in the go public banking sector in Indonesia before and after COVID-19. This study uses a quantitative approach using a non-parametric statistical test, the wilcoxon signed-rank test. This test is applied because the small number of samples and the data are not normally distributed. There are only 19 banks taken as samples and all are listed on the Indonesia Stock Exchange. The data is collected based on the financial statements of 2019 (conditions before COVID-19 occurred in Indonesia) and 2020. It can be concluded from the results of the analysis that CAR and BOPO do not show significant differences before and after COVID-19. However, NPL and LDR prove significant differences before and after COVID-19.
ANALYSIS OF DIFFERENCES IN PERFORMANCE BANK BEFORE AND DURING THE COVID-19 PANDEMIC Sufriyani Sufriyani; Lusianus Heronimus Sinyo Kelen
MANAJEMEN Vol. 1 No. 2 (2021): OKTOBER : MANAJEMEN (Jurnal Ilmiah Manajemen dan Kewirausahaan)
Publisher : LPPM Politeknik Pratama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/manajemen.v1i2.156

Abstract

The Corona Virus Disease 2019 pandemic (known as COVID-19) has hit all sectors and human life, including banking activities in Indonesia. The risk of banking as a company collecting public funds is also increasing due to the restrictions on community activities and the low level of the Indonesian economy after being hit by COVID-19. Bank Indonesia did not predict that such a condition would occur. Therefore, this study is aimed to examine the differences in Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Non Performing Loans (NPL), Loan to Deposit Ratio (LDR) in the go public banking sector in Indonesia before and after COVID-19. This study uses a quantitative approach using a non-parametric statistical test, the wilcoxon signed-rank test. This test is applied because the small number of samples and the data are not normally distributed. There are only 19 banks taken as samples and all are listed on the Indonesia Stock Exchange. The data is collected based on the financial statements of 2019 (conditions before COVID-19 occurred in Indonesia) and 2020. It can be concluded from the results of the analysis that CAR and BOPO do not show significant differences before and after COVID-19. However, NPL and LDR prove significant differences before and after COVID-19.
Edukasi Manajemen Keuangan Keluarga untuk Menghindari Stunting di Desa Maubokul Kelen, Lusianus Heronimus Sinyo; Renggo, Yuniarti Reny; Ramompas, Yuvensius; Meiyasa, Firat; Ndahawali, Suryaningsi; Putra, Jovan Imanuel; Lili, Andreas Kalukur; Rutung, Meldi Nengi
Jurnal Indonesia Mengabdi Vol. 7 No. 1 (2025): June Edition
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) STKIP Nurul Huda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30599/zk6yd075

Abstract

Edukasi manajemen keuangan keluarga dilakukan di Desa Maubokul sebagai salah satu upaya untuk mengurangi tingginya stunting di desa tersebut. Tujuan dari pelaksanaan pengabdian kepada masyarakat yaitu memberikan edukasi terkait manajemen keuangan keluarga kepada ibu rumah tangga untuk dapat mencegah terjadi stunting. Desa Maubokul dipilih sebagai lokasi pengabdian disebabkan desa tersebut merupakan desa dengan tingkat stunting yang tinggi. Metode pengabdian yang digunakan yaitu sosialisasi dan pendampingan kepada ibu rumah tangga. Metode ini digunakan dengan harapan terjadi perubahan perilaku masyarakat. Kegiatan pengabdian ini juga merupakan program yang didanai oleh Kementerian Pendidikan, Kebudayaan, Riset dan Teknologi melalui Direktorat Jenderal Pendidikan Tinggi, Riset dan Teknologi dengan skema pemberdayaan kemitraan masyarakat tahun 2023. Hasil pengabdian kepada masyarakat menunjukkan terdapat perubahan perilaku masyarakat dalam hal pengelolaan keuangan keluarga yang lebih baik.
ANALISIS SIKLUS KONVERSI KAS SELAMA PANDEMI COVID-19 (STUDI PADA PERUSAHAAN-PERUSAHAAN MANUFAKTUR DI BURSA EFEK INDONESIA) Anggarehi, Martha Ridja; Kelen, Lusianus Heronimus Sinyo
Among Makarti Vol 15, No 3 (2022): AMONG MAKARTI
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v15i3.307

Abstract

Siklus konversi kas adalah kombinasi dari beberapa rasio aktivitas yang melibatkan piutang usaha, persediaan, dan utang usaha, yang bertujuan untuk mengukur interval waktu sejak perusahaan mengeluarkan kas untuk membeli bahan mentah hingga perusahaan mendapatkan kas dari hasil penjualan barang jadi. Pada awal Maret di tahun 2020 Indonesia menginformasikan kasus pertama terinfeksinya virus corona yang biasa disebut COVID-19. Penelitian ini bertujuan untuk menganalisis seberapa cepat siklus konversi kas pada perusahaan manufaktur yang terdaftar di BEI selama masa pendemi COVID-19. Populasi dalam penelitian ini sebanyak 196 perusahaan, Sementara itu sampel dipilih dengan menggunakan metode purposive sampling diperoleh sebanyak 186 perusahaan dan untuk memperoleh hasil yang valid dan realibel dilakukan modifikasi data dan diperoleh sampel sebanyak 183 perusahaan. Hasil analisis data menunjukkan bahwa banyak sekali perusahaan yang siklus konversi kas (CCC) bernilai positif atau memiliki rata-rata konversi kas (CCC) yang panjang atau membutuhkan periode yang lama dalam perputaran kas yang berarti bahwa perusahaan tidak efisien dalam mengelola modal kerjanya.
PENGENTASAN KEMISKINAN DI DESA MAUBOKUL MELALUI PEMBERDAYAAN BERBASIS KEWIRAUSAHAAN SOSIAL Ramompas, Yuvensius; Renggo, Yuniarti Reny; Kelen, Lusianus Heronimus Sinyo; Meiyasa, Firat; Ndahawali, Suryaningsih; Putra, Jovan Imanuel; Lili, Andreas Kalukur
Jurnal Abdi Insani Vol 11 No 2 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i2.1687

Abstract

The government under the leadership of President Joko Widodo attempted to reduce poverty by making poverty alleviation programs a national strategy. The poverty rate in rural areas is consistently higher than the poverty rate in urban areas, this is an indication that efforts to reduce poverty rates in rural areas are still encountering obstacles. One effort that can reduce poverty rates in villages is through empowerment. Program Kemitraan Masyarakat (PKM) empowerment based on social entrepreneurship in Maubokul village aims to increase collective independence and prosperity. The series of activities includes several method stages, namely the preparation and social analysis stages, the implementation stages, the mentoring, monitoring and evaluation stages, and the collaboration and partnership stages. This service was carried out through collaboration between the Maubokul Village government and the PKM team. The research results show that training and guidance activities in fish farming have the potential to increase income and food security through a culture of social entrepreneurship, thereby helping to build the village economy. The village government, in collaboration with the PKM team, is helping to accelerate poverty reduction by collaborating through empowerment and training for the community. It is hoped that in future activities we can develop and continue programs that have been implemented and those that have not been implemented optimally.
Faktor Penghambat Berkembangnya Bisnis dari Badan Usaha Milik Desa di Kabupaten Sumba Timur Kelen, Lusianus Heronimus Sinyo; Bima, Stevvileny Angu
Jurnal Nusantara Aplikasi Manajemen Bisnis Vol 8 No 2 (2023): Jurnal Nusantara Aplikasi Manajemen Bisnis
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/nusamba.v8i2.19990

Abstract

Research objective: This research aims to determine the inhibiting factors for the business development of BUM Desa in East Sumba Regency, East Nusa Tenggara Province. Research method: The research method used was grounded theory and employed a qualitative approach to bring a phenomenon into theory. The study was conducted by collecting data from enumerators who were Unkriswina Sumba students. The collected data comprised 64 informants from 19 BUM Desa spread over 14 sub-districts in East Sumba Regency. Results: There are six factors causing obstacles to the business of BUM Desa in East Sumba Regency from developing, namely: 1) Low readiness of Human Resources (HR) in managing BUM Desa businesses, 2) low public awareness to support the running of BUM Desa, 3 ) management or financial management that is still lacking, 4) low planning analysis before starting a business, 5) poor oversight and coordination functions from the village government to BUM Desa administrators, and 6) lack of BUM Desa infrastructure. The novelty of research: a research approach based on a grounded theory approach to identify the factors causing the BUM Desa activities not to work based on the root of the problem and the phenomenon, then from this phenomenon, a theory is formed, which is also known as "mini theory".