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All Journal JURNAL PENDIDIKAN TAMBUSAI EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Manajemen dan Bisnis SULTANIST: Jurnal Manajemen dan Keuangan Jurnal Proaksi Jurnal Ilmiah Akuntansi Kesatuan JURNAL ILMIAH MAKSITEK Ilomata International Journal of Management Visi Sosial Humaniora Jurnal Ilmiah Wahana Pendidikan Jurnal Manajemen dan Bisnis Jurnal Media Informatika Jurnal Ekonomi Strategic: Journal of Management Sciences JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Al-Zayn: Jurnal Ilmu Sosial & Hukum Journal Business and Management Journal of Golden Generation Economic
Raya Panjaitan
Universitas HKBP Nommensen
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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The Role of Financial Technology and Intellectual Capital in Improving Bank Performance in the Digital Era Panjaitan, Raya; Siahaan, Jeremy; Julyanthry
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 2 (2025): JIAKES Edisi April 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i2.3286

Abstract

The rapid evolution of financial technology (fintech) and the strategic role of Intellectual Capital (IC) have transformed the banking sector, State-owned Enterprises banks in Indonesia. This study aims to examine the individual and combined effects of fintech and IC on the financial performance of State-owned Enterprises banks from 2021 to 2023. Employing panel data regression analysis with 30 observations from five State-owned Enterprises banks, the research measures fintech via mobile banking transaction volume and IC through Value Added Human Capital (VAHU), Structural Capital Value Added (SCVA), and Value-Added Capital Employed (VACA), with Return on Assets (ROA) as the performance indicator. Results indicate that fintech has no significant impact on ROA, while VAHU significantly enhances financial performance. SCVA and VACA show no notable effects. Collectively, fintech and IC significantly influence performance. These findings underscore the importance of optimizing human capital and strategically integrating fintech to boost efficiency and competitiveness, offering valuable insights for state-owned enterprises banks’ strategic planning and policy development in a digital era.
Assessing The Impact Of Mobile Health Service Quality By The Social Security Administering Body On The Satisfaction Of National Health Insurance Participants Raya Panjaitan; Maulina Hutajulu
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

In a digital era marked by burgeoning e-health initiatives, this study explores the pervasive influence of E-service Quality—encompassing Reliability, Efficiency, Fulfillment, Privacy, Responsiveness, and Contact—on the satisfaction of participants in the National Health Insurance (JKN) program. The objective is to quantitatively assess these dimensions' impacts on user satisfaction among Mobile JKN users in Pematangsiantar. Employing a questionnaire as the research instrument, this study scrutinizes the responses of 100 participants using multiple linear regression analysis via SPSS 25. The findings reveal that while Efficiency exerts a significant positive effect on participant satisfaction, Reliability, Fulfillment, and Responsiveness, although positive, are not statistically significant. In contrast, Privacy and Contact do not significantly influence satisfaction. The study underscores the necessity for BPJS Kesehatan to refine the Mobile JKN application's user interface and optimize the mobile app's utility for a seamless user experience, including secure data practices and biometric login features for phone number changes, aligning with national demographic databases. These insights contribute to the strategic enhancement of health insurance services, driving user satisfaction and security in Indonesia's healthcare system.
THE ROLE OF DISCIPLINE IN INCREASING WORK COMMITMENT AND CREATIVITY, AND ITS IMPACT ON THE PERFORMANCE OF STATE CIVIL APPARATUS (ASN) IN THE REGIONAL SECRETARIAT OF NORTH TAPANULI DISTRICT Panjaitan, Ferry; Panjaitan, Raya; Sitorus, Eben Ezer
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 13 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v13i2.762

Abstract

This research aims to test and determine the influence of discipline on work commitment and ASN work creativity, to test the influence of discipline on performance through work commitment and ASN creativity in the Regional Secretariat of North Tapanuli Regency through ASN creativity. This research also aims to determine the state of work discipline, work commitment, creativity and performance of ASN in the Regional Secretariat of North Tapanuli Regency through ASN creativity. The population in this research is all state civil servants who work at the Regional Secretariat of North Tapanuli Regency through ASN creativity, namely 110 people, and the entire population is used as respondents in this research or a saturated sample. This research shows that team member discipline is currently not very high, work commitment is not high, employees are still less creative and performance is still not optimal. Discipline does not have a significant influence on commitment, creativity or performance. ASN work commitment does not significantly affect performance, but ASN creativity has a positive and significant effect on performance. Indirect testing shows that discipline significantly affects performance through the work commitment of ASN of the North Tapanuli Regency regional secretariat. In contrast, discipline does not significantly affect performance through the creativity of ASN of the North Tapanuli Regency regional secretariat.
Kesadaran Perilaku Manajemen Keuangan dengan Locus Of Control sebagai Pemediasi Raya Panjaitan; Sri Ida Royani Simanjuntak; Tri Melda Mei Liana; Paulina Martua Sijabat
Jurnal Proaksi Vol. 11 No. 4 (2024): Oktober - Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v11i4.6492

Abstract

Literasi keuangan menjadi acuan dalam ukuran pengetahun objektif dan keterampilan dalam tindakannya mengelola dan mengambil keputusan yang berkaitan dengan keuangannya. Perkembangan industri 4.0 juga telah menghadirkan paradigm baru dalam perilaku pengelolaan keuangan. Dengan locus of control bertindak sebagai mediator, studi ini berupaya untuk memastikan dampak literasi keuangan dan kemajuan teknologi pada perilaku manajer keuangan. Studi ini didasarkan pada data numerik. Respons responden terhadap survei yang didistribusikan menggunakan Google Forms di Fakultas Ekonomi dan Bisnis Universitas HKBP Nommensen menyediakan data mentah yang digunakan untuk analisis. Partially Least Squares (PLS) 4.0 digunakan untuk menganalisis data. Studi ini menunjukkan bahwa literasi keuangan dan teknologi tidak memengaruhi perilaku pengelolaan uang, tetapi locus of control, variabel mediasi, memang memiliki pengaruh positif dan substansial. Meskipun locus of control tidak secara signifikan memediasi efek literasi keuangan, ia memediasi pengaruh teknologi keuangan pada perilaku terkait manajemen keuangan. Locus of control juga dipengaruhi oleh teknologi keuangan, tetapi tidak oleh keahlian keuangan.
PENGARUH BUDAYA ORGANISASI DAN DISIPLIN KERJA TERHADAP KINERJA PEGAWAI DI DINAS PARIWISATA KABUPATEN SAMOSIR Sihotang, Ronael Jon Feriando; Raya Panjaitan
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 2 (2026): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i2.8678

Abstract

Employee performance is a critical factor in achieving organizational goals, particularly in government institutions such as the Samosir Regency Tourism Office. This study aims to analyze the influence of organizational culture and work discipline on employee performance at the Samosir Regency Tourism Office. The research employs an associative quantitative approach, with a population of all 68 employees of the office, taken as a census sample. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The results indicate that both organizational culture and work discipline partially and simultaneously have a positive and significant effect on employee performance. The coefficient of determination (R²) of 0.716 indicates that the two independent variables contribute 71.6% to the variation in employee performance. The practical implication of this research is the need for the Tourism Office to strengthen an organizational culture oriented towards innovation, results, and teamwork, as well as to improve work discipline through rule enforcement, effective supervision, and a clear system of rewards and sanctions. These findings can serve as a reference for improving human resource management and enhancing public services in the tourism sector.
Pengaruh Gaya Kepemimpinan Transformasional dan Budaya Organisasi terhadap Kinerja Karyawan pada Kantor Bupati Simalungun Damanik, Jhon Cristmas; Raya Panjaitan
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 2 (2026): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i2.8679

Abstract

Employee performance is a key factor in achieving organizational goals, especially in government institutions such as the Simalungun Regent's Office. This study aims to analyze the influence of transformational leadership style and organizational culture on employee performance. The research uses an associative quantitative approach with a population of all employees of the Simalungun Regent's Office, totaling 50 people, taken as a census sample. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The results show that transformational leadership and organizational culture have a positive and significant effect partially and simultaneously on employee performance. The coefficient of determination (R²) of 0.612 indicates that the two independent variables contribute 61.2% to the variation in employee performance. The practical implication of this research is the need for leaders to consistently apply transformational leadership and strengthen an organizational culture oriented toward performance and public service. This research can be a reference for human resource development in local government environments.
Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Pengguna Shopee Paylater di Universitas HKBP Nommensen Medan Desrina Simamora; Raya Panjaitan
Journal of Golden Generation Economic Vol. 2 No. 1 (2026): April 2026 : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v2i1.372

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap perilaku konsumtif mahasiswa pengguna Shopee PayLater. Kemudahan layanan buy now pay later berpotensi meningkatkan konsumsi apabila tidak diimbangi dengan kemampuan pengelolaan keuangan yang baik. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap mahasiswa pengguna Shopee PayLater. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linier sederhana. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh negatif dan signifikan terhadap perilaku konsumtif mahasiswa. Semakin tinggi tingkat literasi keuangan, semakin rendah kecenderungan perilaku konsumtif dalam penggunaan Shopee PayLater. Penelitian ini menegaskan pentingnya peningkatan literasi keuangan sebagai upaya pengendalian perilaku konsumtif di kalangan mahasiswa.
HUBUNGAN ANTARA FINANCIAL ANXIETY DAN FINANCIAL PLANNING BEHAVIOR PADA GENERASI Z DI MEDAN Putri Alesia Nadeak; Raya Panjaitan
Journal of Golden Generation Economic Vol. 2 No. 1 (2026): April 2026 : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v2i1.373

Abstract

Penelitian ini bertujuan untuk menganalisis hubungan antara financial anxiety dan financial planning behavior pada Generasi Z di Kota Medan. Fenomena meningkatnya kecemasan finansial di kalangan generasi muda menjadi perhatian penting karena dapat memengaruhi cara individu merencanakan dan mengelola keuangan pribadinya. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif. Data dikumpulkan melalui penyebaran kuesioner kepada 100 responden Generasi Z yang berdomisili di Medan. Teknik analisis data dilakukan menggunakan bantuan SPSS, meliputi uji validitas, reliabilitas, analisis deskriptif, dan uji korelasi. Hasil penelitian menunjukkan bahwa financial anxiety berada pada kategori cukup tinggi, sementara financial planning behavior berada pada kategori cukup baik. Uji korelasi menunjukkan terdapat hubungan negatif dan signifikan antara financial anxiety dan financial planning behavior. Artinya, semakin tinggi kecemasan finansial yang dirasakan, maka kecenderungan individu dalam melakukan perencanaan keuangan akan menurun. Penelitian ini diharapkan dapat menjadi dasar dalam pengembangan program literasi dan edukasi keuangan bagi Generasi Z.
DAMPAK PENGGUNAAN PEMBAYARAN DIGITAL BERBASIS Quick Response Code Indonesian Standard (QRIS) TERHADAP EFISIENSI ARUS KAS DAN PROFITABILITAS UMKM DI KECAMATAN MEDAN TIMUR Elinsya Sitompul; Raya Panjaitan
Journal of Golden Generation Economic Vol. 2 No. 1 (2026): April 2026 : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v2i1.375

Abstract

Digitalisasi sistem pembayaran melalui Quick Response Code Indonesian Standard (QRIS) menjadi strategi penting dalam meningkatkan kinerja keuangan Usaha Mikro, Kecil, dan Menengah (UMKM). Penelitian ini bertujuan menganalisis pengaruh penggunaan QRIS terhadap efisiensi arus kas dan profitabilitas UMKM di Kecamatan Medan Timur. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 96 pelaku UMKM yang dipilih melalui probability sampling. Data dikumpulkan menggunakan kuesioner berskala Likert dan dianalisis dengan regresi linier berganda menggunakan SPSS. Hasil penelitian menunjukkan bahwa penggunaan QRIS berpengaruh positif dan signifikan terhadap efisiensi arus kas serta profitabilitas UMKM, yang tercermin dari percepatan penerimaan kas, ketepatan pencatatan transaksi, peningkatan penjualan, dan efisiensi biaya operasional. Penelitian ini menyimpulkan bahwa QRIS berperan penting dalam meningkatkan kinerja keuangan UMKM dan mendukung keberlanjutan serta daya saing usaha.
Pengaruh Literasi Keuangan dan Digital Payment Terhadap Kinerja Keuangan pada Kalangan UMKM Di Medan Irma Rentauli Sitorus; Raya Panjaitan
Journal of Golden Generation Economic Vol. 2 No. 1 (2026): April 2026 : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v2i1.376

Abstract

UMKM memiliki peran strategis dalam perekonomian Indonesia, namun masih menghadapi keterbatasan dalam pengelolaan keuangan dan pemanfaatan teknologi pembayaran digital. Penelitian ini bertujuan menganalisis pengaruh literasi keuangan dan digital payment terhadap kinerja keuangan UMKM di Kota Medan. Penelitian menggunakan pendekatan kuantitatif asosiatif dengan metode survei terhadap pelaku UMKM yang telah memanfaatkan sistem pembayaran digital. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa literasi keuangan dan digital payment berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM, baik secara parsial maupun simultan. Temuan ini menegaskan bahwa peningkatan pemahaman keuangan serta pemanfaatan pembayaran digital secara optimal dapat mendorong efisiensi,transparansi, dan keberlanjutan keuangan UMKM di Kota Medan.
Co-Authors Adanan Silaban Agnes Mastaulina Ambarita Agnes Santana Manik Andri Dayarana K. Silalahi Angelia, Nia Asni Yanti Zalukhu Asni Yanti Zalukhu Boangmanalu, Ria Salonika Chris Damai Yanti Roberkati Pinem Cindy M. Sihombing Cindy M. Sihombing Cindy Sihombing DAMANIK, HANNA MEILANI Damanik, Jhon Cristmas Dela Mariana Nopela Br. Raja Gukguk Dela Mariana Nopela Br. Raja Gukguk Desrina Simamora Desrina Simamora Desvanni Habayahan Edgar Octoyuda Eflin Kartika Sinaga Eflin Kartika Sinaga Elinsya Sitompul Elinsya Sitompul Elsi Natalia Saragih Enjelika Natasia Nainggolan Enjelika Natasia Nainggolan Enzel Hikma Sari Saragih Enzel Hikma Sari Saragih Ernest Grace GEE, HARIANI Gretty R. Lingga Hutajulu, Maulina Inten Dania Butar Butar Inten Irahayu Barimbing Irma Rentauli Sitorus Irma Rentauli Sitorus Irvan Putra Dani Daeli J.E. Angelika Br. Nababan Jois Nursaida Batubara Josua Parlinggoman Pangaribuan Julyanthry Julyanthry Julyanthry, Julyanthry Jusuf Sugiarto K. Simamora, Marsauliana Lingga, Gretty R. Manalu, Rita P. Manurung , Hiskia Manurung, Nancy Cecilia Marbun, Roma Narumata Marrety Katrin Hutabarat Marselina Simarangkir Maulina Hutajulu Meijin Saragih Mutiara Asnatika Tarigan Nancy Nopeline Napitupulu, Sungguli Nelly Ervina Nopeline, Nancy Novia Sianipar Pakpahan, Rani Uli Palti Agustinus Silaban Panjaitan, Elyana Margareta Panjaitan, Ferry Panjaitan, Juni A.T Pantas H Silaban Pasaman Silaban Pasaribu, Fatrycia Aurelia Paulina Martua Sijabat Pinem, Neni Anita Purba, Cindy Braveta Purba, Martin Luter Purba, Rama R. Putri Alesia Nadeak Putri Alesia Nadeak Reynaldi Hutabarat Rindu P. Siburian Rindu P. Siburian Riny Riny Saragih, Veny S. Saragih, Yeni Enjelina Siahaan, Jeremy Sibagariang, Carisa Yulia Sidabutar, Herlina Yusrianti Sihombing, Eriko Sihotang, Ronael Jon Feriando Silaban, Pantas Hasiholan Silaban, Rayun A.R Silalahi, Andri D. K. Silalahi, Andri Dayarana K. Silalahi, Jhosua Simangunsong, Irmawati Simanjuntak, Nopriani Simanjuntak, Sri Ida Royani Simarmata, Felix C. Simbolon, Ika Pratiwi Sinaga, Leony A.M Sinaga, Renni A.E Sinta Marito Manurung Sitorus, Eben Ezer Sitorus, Friska Rohayu Situmeang, Debi J. Situmorang, Ririn S.W Sri Ida Royani Simanjuntak Sunday Ade Sitorus Tampubolon, Lilianti Tiarma Sihombing Tiarma Sihombing Tongam Sihol Nababan Tri Melda Mei Liana Waruwu, Niska S.