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Ratnawaty Marginingsih
Universitas Bina Sarana Informatika
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Journal : Moneter : Jurnal Akuntansi dan Keuangan

 1 
Kualitas Mobile Banking Terhadap Kepuasan Nasabah Bank BRI (Studi Pada Pengguna BRI Mobile di Kota Depok) Ratnawaty Marginingsih
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 7, No 1 (2020): April 2020
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v7i1.7475

Abstract

Abstract  - The utilization of technology in the banking industry such as mobile banking or often referred to as m-banking provides convenience in financial transactions. There are services on mobile banking, covering payments transfer, history, and others.The use of mobile banking services in cell phones allow that customers can more easily to run their banking activities indefinitely space and time.This study aims to determine the effect of the quality of mobile banking services on BRI Bank customer satisfaction in the city of Depok. A total of 100 respondents were surveyed online using the convenience sampling method. The form of research used is descriptive research with a quantitative approach. The data is processed using multiple linear regression analysis. The results of this study are obtained partially and simultaneously the quality of service using the variables reliability and responsiveness, assurance and security, convenience in banking, mobile banking efficiency and easy to use on customer satisfaction to obtain positive and significant results. This shows that good service is one of the keys to the success of an organization Keywords : Service Quality, Customer Satisfaction, Mobile Banking
Program Pemulihan Ekonomi Nasional Sebagai Kebijakan Penanggulangan Dampak Pandemi Covid-19 Pada Sektor UMKM Ratnawaty Marginingsih
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 8, No 2 (2021): Oktober 2021
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v8i2.10997

Abstract

Abstrak  Berbagai permasalahan yang terjadi pada UMKM terdampak pandemi cukup dirasakan oleh para pelaku usaha tersebut. Hal ini tentu saja berakibat pada penurunan keuntungan secara signifikan dikarenanakan tingkat produktivitas yang rendah. Langkah terkait pemulihan ekonomi, dalam hal ini pemerintah melalui kementrian keuangan membuat kebijakan luar biasa untuk memitigasi dampak covid-19 dan perlambatan ekonomi dengan membuat Program Pemulihan Ekonomi Nasional (PEN).  Metode penelitian yang digunakan dalam penulisan ini adalah teknik analisis deskriptif kualitatif. Hasil penelitian menujukkan Program Pemulihan Ekonomi Nasional (PEN) memiliki dampak positif bagi sektor UMKM pada masa pandemi covid-19 sebagai langkah kebijakan yang diambil oleh pemerintah untuk mendukung pemulihan perekonomian nasional khususnya sektor UMKM yang memiliki kontribusi cukup besar. Rekomendasi kebijkan penguatan UMKM tidak hanya pada masa pandemi tetapi juga pada masa pemulihan dan pasca pandemi sehingga percepatan pemulihan ekonomi nasional dapat mencapai kestabilannya. Kata Kunci: Program PEN, Kebijkan Pandemi, UMKM  Abstract - The various problems that occur in SMEs affected by the pandemic are quite felt by these business actors. This of course results in a significant reduction in profits due to low productivity levels. Steps related to economic recovery, in this case, the government through the ministry of finance, make extraordinary policies to mitigate the impact of covid-19 and the economic slowdown by creating the National Economic Recovery Program (PEN). The research method used in this paper is a qualitative descriptive analysis technique. The results of the study show that the National Economic Recovery Program (PEN) has a positive impact on the MSME sector during the COVID-19 pandemic as a policy step taken by the government to support the recovery of the national economy, especially the MSME sector which has a significant contribution. Recommendations for strengthening MSME policies are not only during the pandemic but also during the recovery and post-pandemic period so that the acceleration of national economic recovery can achieve stability. Keywords: PEN Program, Pandemic Policy, MSME 
Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode RGEC Pada PT Bank Negara Indonesia (Persero) Tbk Periode 2013-2017 Ratnawaty Marginingsih
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 5, No 2 (2018): Oktober 2018
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (228.923 KB) | DOI: 10.31294/moneter.v5i2.4023

Abstract

Bank performance assessment based on the level of his health. Seen from the importance of health of a bank for the formation of a trust customers on a banking institutions, a few kind of rules that has been created by Bank Indonesia to assess the health level which commercial banks. An assessment of the health level which used the bank risk to solve social welfare  RGEC  based. That have been analyzed rating  factor is a factor Risk Profile,  GCG, Earning and Capital. Variables that were used to lower its NPL  and LDR which is to gauge Risk Factors profile, tighter self assessment to GCG, ROA  and  NIM to increase for measuring Earning factors and CAR  for measuring factors Capital. This research uses the method descriptive quantitative using data secondary and analysis the performance of PT Bank Negara Indonesia (Persero) Tbk, a period of the year 2013-2017. The results of the study suggests that PT Bank Negara Indonesia (Persero) Tbk  overall having results a good for the predicate bank healthy. Assessment risk factors profile having the rank of composite 2 and 3 the predicate good and quite good. Assessment GCG  having the rank of composite 2 with the predicate good. Assessment factors Earning having the rank of composite 1 at the predicate excellent. Assessment factors Capital having the rank of composite 1 at the predicate excellent.
Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19 Ratnawaty Marginingsih
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 8, No 1 (2021): April 2021
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v8i1.9903

Abstract

Abstrak  - Pandemi Covid-19 berdampak pada perlambatan ekonomi nasional, Financial Technology (Fintech) memiliki potensi mengambil peran dalam upaya pemulihan ekonomi. Dampak pandemi covid-19 yang semakin meluas sektor Financial Technology (Fintech) memiliki peran penting untuk meningkatkan inklusi finansial dan kesejahteraan masyarakat.  Metode penelitian yang digunakan untuk penulisan ini adalah teknik analisis deskriptif kualitatif. Hasil penelitian menujukkan keberadaan Financial Technology (Fintech) memiliki dampak positif dimasa pandemi covid-19. Kontribusi Fintech telah banyak membantu masyarakat yang masih belum terlayani lembaga keuangan formal dalam melakukan transaksi keuangan sesuai dengan kebutuhannya. Pemulihan ekonomi nasional dan peningkatan penerimaan negara dimasa pandemi dapat dilakukan dengan dukungan penguatan regulasi terhadap pertumbuhan Fintech yang inklusif dan berkesinambungan yang memiliki potensi sebagai faktor pemicu lompatan yang sangat besar bagi industri pembayaran layanan keuangan digital. Kata Kunci: Financial Technology, Inklusi Keuangan, Ekonomi Nasional  Abstract - The Covid-19 pandemic has an impact on the national economic slowdown, Financial Technology (Fintech) has the potential to play a role in economic recovery efforts. The impact of the Covid-19 pandemic which is increasingly widespread in the Financial Technology (Fintech) sector has an important role to play in increasing financial inclusion and public welfare. The research method used for this writing is a qualitative descriptive analysis technique. The research results show that the existence of Financial Technology (Fintech) has a positive impact during the Covid-19 pandemic. Fintech's contribution has helped many people who are still not served by formal financial institutions in carrying out financial transactions according to their needs. National economic recovery and increased state revenue during the pandemic can be carried out with the support of strengthening regulations for inclusive and sustainable Fintech growth which has the potential to trigger a huge leap for the digital financial service payment industry. Keywords: Financial Technology, Financial Inclusion, National Economy
BI-FAST Sebagai Sistem Pembayaran Dalam Mendukung Akselerasi Digitalisasi Ekonomi dan Keuangan Nasional Ratnawaty Marginingsih
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 10, No 1 (2023): Periode April 2023
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v10i1.15356

Abstract

Abstrak  Tren digitalisasi telah mengubah perilaku transaksi masyarakat ke arah tuntutan yang lebih besar pada mobilitas, kecepatan, fleksibilitas (open dan omni platform), namun tetap aman. Bank Indonesia sebagai otoritas kebijakan sistem pembayaran di Indonesia dituntut harus mampu beradaptasi terhadap situasi tersebut dengan mengoptimalkan perkembangan ekonomi digital sekaligus meminimalisir risiko dan ekses negatif. Guna menjawab tantangan di era digital saat ini BI−FAST dikembangkan sebagai infrastruktur SP ritel nasional yang mengakomodir ketersediaan layanan pembayaran secara real−time, seamless, tersedia setiap saat (24/7) dengan tingkat keamanan dan efisiensi yang tinggi secara end−to−end dengan memanfaatkan teknologi terkini..  Metode penelitian yang digunakan dalam penulisan ini adalah teknik analisis deskriptif kualitatif. Hasil penelitian menujukkan BI−FAST sebagai infrastruktur SP ritel nasional memiliki dampak positif dalam mendukung akselerasi digitalisasi ekonomi dan keuangan nasional. Implementasi BI−FAST diharapkan akan mendukung inklusi keuangan melalui kemudahan bertransaksi, harga terjangkau, dan interoperabilitas kanal pembayaran, terutama mobile. Kehadiran BI−FAST diharapkan mampu mendorong inovasi dan kompetisi di antara pelaku industri sistem pembayaran untuk mendukung pengembangan Ekonomi Keuangan Digital (EKD). Kata Kunci: BI-FAST, Sistem Pembayaran. Ekonomi Keuangan Digital Abstract - The trend of digitization has changed people's transaction behavior towards greater demands on mobility, speed, and flexibility (open and omni platforms), but still secure. Bank Indonesia as the payment system policy authority in Indonesia is required to be able to adapt to this situation by optimizing the development of the digital economy while minimizing negative risks and excesses. to answer the challenges in the current digital era, BI-FAST was developed as a national retail SP infrastructure that accommodates the availability of payment services in real-time, seamlessly, available at any time (24/7) with a high level of security and efficiency end-to-end by utilizing the latest technology. The research method used in this paper is a qualitative descriptive analysis technique. The research results show that BI−FAST as a national retail SP infrastructure has a positive impact in supporting the acceleration of national economic and financial digitization. The implementation of BI-FAST is expected to support financial inclusion through ease of transactions, affordable prices, and interoperability of payment channels, especially mobile. The presence of BI-FAST is expected to encourage innovation and competition among payment system industry players to support the development of the Digital Financial Economy (EKD). Keywords: BI-FAST, Payment System. Digital Financial Economy
Co-Authors Ade Nanda Saputri Adler Haymans Manurung Agung Dharmawan Buchdadi Akhmad Fauzan Des Putra Alfina Salsabila Alvina, Alda Dwi Aminnudin Annisa Eka Aprilia Annisa Pratiwi Utami Annisa Salzabila Dewi Ayu Nur Wulandari Eigis Yani Pramularso Etty Gurendrawati, Etty Futri Nur Cahya Gita Mustika Hasanudin Hasanudin Husnah Gustiyaningsih Imelda Sari Isnurrini Hidayat Susilowati Isnurrini Hidayat Susilowati Isnurrini hidayat, Isnurrini Jelita Sondang Sitorus Lutfia Ferdiana Putri Margie, Lyandra Aisyah Muhamad Fadli Saronika Muhammad Riko Wahyunianto Muhammad Yusuf Novitasari, Yuyun Nurhayaty, Ety Nurul Alfiah Palahudin Panji Patra Anggaredho, Panji Patra Pratama, Flower Indah Putra, Akhmad Fauzan Des Rani Rida Prihatni Rikha Antika Putri Rizky Putra Akbar Selfi Khoirani Sibarani, Bintang Berliana Siti Maryam Bolen Siti Otaviani Putri Sunarti sunarti sunarti Suparno Suparno Syahrir Willyan Muslim Wiwik Widiyanti Wiwik Widiyanti, Wiwik Wiwit Rohaeni Yulianti Wulan Syakirah Yohana Viola Yulianti, Wiwit Rohaeni