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THE IMPACT OF DIGITAL FINACIAL INCLUTION ON THE SUSTAINABLE FINANCE OF THE MSME SECTOR IN THE LHOKSEUMAWE CITY REGION WITH MODERATION OF THE BANKING SERVICE MODEL Muhammad Multazam; Rico Nur Ilham; Muttaqien; Ayu Anora; Teuku Muhammad Iqbal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 4 (2024): August
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i4.1883

Abstract

This research determines how the Banking Model strengthens/weakens the impact of Perceived Usefulness, Perceived Financial Cost and Perceived Ease of Use on Sustainable Finance SMEs. This type of research is quantitative descriptive. The population is all MSMEs in Lhokseumawe City, totaling 2,354 MSMEs. This study uses the Taro Yamane formula with a precision level set at 10% with a total sample size of 96. The results reveal that Perceived Usefulness positively and insignificantly affects Sustainable Finance SMEs, Perceived Financial Cost positively and significantly affects Sustainable Finance SMEs, Perceived Ease of Use positively and significantly affects Sustainable Finance SMEs, Banking Model positively and insignificantly affects Sustainable Finance SMEs, Banking model can strengthen the influence of Perceived Usefulness on Sustainable Finance SMEs, Banking model can strengthen the effect of Perceived Financial Cost to Sustainable Finance SMEs, and Banking models can weaken the influence of Perceived Ease of Use on Sustainable Finance SMEs.
SOCIO-ECONOMIC DETERMINATIONS THAT AFFECT THE INCOME OF TRADITIONAL FISHERMEN IN KRUENG MANE NORTH ACEH DISTRICT Muttaqien; Wardiah; Muhammad Hafizh; Frengki Putra Ramansyah; Cut Zira Maulida
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 5 (2024): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i5.1964

Abstract

Fishermen's income is the accumulation of fishermen's business results which do not stand alone, but are influenced by various factors. Therefore, fishermen's income includes capital, season, climate, fishing gear productivity, fishing area, fish price and number of fish caught. Fishermen's income factors include factors such as seasonal fluctuations, limited capital and human resources, access to exploitative fish trade networks, and the negative effects of fisheries modernization and the blue revolution, both of which have led to excessive depletion of marine resources. This process is still ongoing today, and fishermen are experiencing further impacts from a decline in their income levels and difficulties in obtaining their catch. The purpose of this research is to determine the income analysis method that calculates fixed costs and variable costs to income. Next, a production function analysis is carried out, where the production function describes the relationship between input and output. Based on this, it is hoped that the results of this research will be taken into consideration by the government in formulating policies related to the welfare of traditional fishermen with all their limitations. This type of research is descriptive quantitative with a research population of traditional fishermen in Krueng Mane, North Aceh. The type of data in this research uses primary data in the form of a questionnaire with a Likert scale where the research sample selection uses random sampling and then regression will be carried out using the SPSS application. The output of this research is the publication of international journals, indexed international proceedings and ISBN certified research reference books with TKT level 3, which is focused on proving the formulation of socio-economic factors that influence the income of traditional fishermen in Krueng Mane, North Aceh Regency.
PROSPECTUS OF IMPROVING THE COMPANY'S FINANCIAL PERFORMANCE PT SAMUDERA INDONESIA TBK Rico Nur Ilham; Muttaqien; Afifah Nurjannah; Naffal Rifki
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 6 (2024): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i6.2235

Abstract

This study aims to conduct a comprehensive financial statement analysis of PT Samudera Indonesia Tbk and its subsidiaries, focusing on key financial ratios to evaluate the company's performance. The analysis includes liquidity ratios, solvency ratios, profitability ratios, and market ratios, providing insight into the company's financial health. The method used for this analysis is quantitative descriptive analysis using financial statement data. The research data and information were obtained from the Indonesia Stock Exchange. The findings show that PT Samudera Indonesia Tbk maintains a strong liquidity position, with a Current Ratio of 2.40 and a Quick Ratio of 2.39, indicating adequate capacity to meet short-term obligations. The solvency analysis reveals a Debt to Equity Ratio of 0.83, indicating a balanced capital structure with a manageable debt level. Profitability methods, including Earnings Per Share (EPS) of 0.0067 and Price to Earnings (P/E) Ratio of 2.68, reflect the company's ability to generate profits, although a low P/E Ratio may indicate undervaluation in the market. In addition, the high Dividend Yield of 12.78% highlights the company's commitment to rewarding shareholders, despite potential risks related to the sustainability of the dividend. Overall, this analysis concludes that PT Samudera Indonesia Tbk has shown solid financial performance, making it an attractive choice for investors seeking stable returns.