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All Journal ETIKONOMI MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Research Report - Social Science Journal of Economics, Business, & Accountancy Ventura Gadjah Mada International Journal of Business JMM17: Jurnal Ilmu Ekonomi dan Manajemen PROFIT : Jurnal Administrasi Bisnis MIX : Jurnal Ilmiah Manajemen Jurnal Ilmiah Econosains Panrita Abdi - Jurnal Pengabdian pada Masyarakat Jurnal Manajemen & Keuangan Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Jurnal ASET (Akuntansi Riset) JMM (Jurnal Masyarakat Mandiri) JCES (Journal of Character Education Society) Almana : Jurnal Manajemen dan Bisnis Economics and Finance in Indonesia JIA (Jurnal Ilmiah Akuntansi) Jurnal Muara Ilmu Ekonomi dan Bisnis Kumawula: Jurnal Pengabdian Kepada Masyarakat Valid Jurnal Ilmiah Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal ABDINUS : Jurnal Pengabdian Nusantara Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Movere Journal Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Accounting and Finance Studies Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Social And Economics Research Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Economic and Finance in Indonesia journal of social and economic research SUBAKTYA, Unpar Community Service Journal E-Jurnal Akuntansi Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Vera Intanie Dewi
Jurusan Manajemen, Fakultas Ekonomi Universitas Katolik Parahyangan, Bandung
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Impact of Fintech on Financial Performance of MSMES in Bali with Financial Literacy as Moderator Ica Rika Candraningrat; Vera Intanie Dewi; Putu Ayu Kezia Dewi
MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Vol. 19 No. 1 (2025)
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2025.v19.i01.p01

Abstract

This study examines the impact of fintech on the financial performance of micro, small, and medium enterprises(MSMEs) in Bali, with financial literacy as a moderating variable. A quantitative approach was employed,utilizing primary data collected through questionnaire distribution. The sampling method used was purposivesampling, with a total of 150 respondents. The findings indicate that fintech has a positive and significant effecton financial performance. Furthermore, financial literacy positively moderates this relationship, strengthening theimpact of fintech on financial performance. These results align with the Theory of Planned Behavior and theTheory of Financial Innovation. The higher the financial literacy of MSME owners, the more effectively theyutilize fintech to enhance financial performance.
The Model of GDP Growth in ASEAN-4 Countries: Control of Corruption as an Intervening Variable Benny Budiawan Tjandrasa; Vera Intanie Dewi
Journal of Economics, Business, and Accountancy Ventura Vol. 25 No. 1 (2022): April - July 2022
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v25i1.3059

Abstract

The purpose of this study is to analyze various macroeconomic factors that affect Gross Domestic Product growth in ASEAN-4 countries. The type of research is descriptive and explanatory. The research method used is the quantitative method. Based on the phenomenon, purposive sampling is used to determine the countries studied. Using secondary data, the panel data is formed from a combination of countries and a certain period of years. Multivariable regression is used to process panel data. The results show that inflation rate, political stability, and control of corruption have a significant effect on GDP growth. The novelty of this research is the new model of GDP growth in ASEAN-4 countries where control of corruption serves as an intervening variable that affects GDP growth. The findings suggest that to maintain an increase in GDP growth in this region, the governments should keep the inflation rate under control and continue striving to reduce corruption. Controlling the level of corruption can be done by maintaining the stability of the political situation and controlling the inflation rate.
PENGARUH INTERNAL BANK DAN MAKROEKONOMI TERHADAP KREDIT BERMASALAH (NON-PERFORMING LOANS) DI INDONESIA Nicolaus Juan Adiputra; Vera Intanie Dewi; Chandra Utama; Budi Tjahja Halim
Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Vol 12, No 1 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jep.v12i1.2957

Abstract

ABSTRAKRisiko kredit yang tercermin dalam rasio Non-Performing Loan (NPL) masih menjadi tantangan bagi stabilitas sistem perbankan di Indonesia, terutama di tengah ketidakpastian kondisi makroekonomi dan perbedaan temuan penelitian mengenai faktor-faktor yang memengaruhinya. Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor internal bank, yaitu Biaya Operasional terhadap Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Net Interest Margin (NIM), serta faktor-faktor makroekonomi yang meliputi suku bunga, inflasi, pertumbuhan ekonomi, dan nilai tukar terhadap tingkat Non-Performing Loan (NPL). Populasi penelitian ini adalah seluruh bank kategori KBMI IV di Indonesia yang terdiri atas empat bank, yaitu Bank Mandiri, BRI, BNI, dan BCA. Penelitian menggunakan data panel triwulanan periode 2015Q1–2025Q1 dengan total 164 observasi yang dianalisis menggunakan Fixed Effect Model (FEM). Hasil penelitian menunjukkan bahwa NIM, CAR, dan BOPO berpengaruh positif dan signifikan terhadap NPL, sedangkan BI Rate berpengaruh negatif dan signifikan. Sementara itu, LDR, inflasi, pertumbuhan ekonomi, dan nilai tukar tidak berpengaruh signifikan terhadap NPL. Model mampu menjelaskan 49,38% variasi NPL. Temuan ini memberikan implikasi bagi perbankan dan regulator dalam memperkuat manajemen risiko kredit serta menjaga stabilitas sistem keuangan.ABSTRACTCredit risk, reflected in the Non-Performing Loan (NPL) ratio, remains a major challenge to the stability of Indonesia’s banking system amid macroeconomic uncertainty and inconsistent findings regarding its determinants. This study aims to examine the effects of internal bank factors, namely Operating Expenses to Operating Income (BOPO), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM), as well as macroeconomic factors, including interest rates, inflation, economic growth, and exchange rates, on the NPL ratio. The study population comprises all KBMI IV banks in Indonesia, consisting of four banks: Bank Mandiri, BRI, BNI, and BCA. Quarterly panel data covering the period from 2015Q1 to 2025Q1, with a total of 164 observations, were analyzed using the Fixed Effect Model (FEM). The results indicate that NIM, CAR, and BOPO have positive and significant effects on NPLs, whereas the BI Rate has a negative and significant effect. Meanwhile, LDR, inflation, economic growth, and the exchange rate have no significant effects on NPLs. The model explains 49.38% of the variation in NPLs. These findings provide important implications for banks and regulators in strengthening credit risk management and maintaining financial system stability.
The Influence of Bank Risk and Third-party Funds on Bank Performance in South Korea’s Commercial Bank Muhammad Faruq Abdulhakim; Vera Intanie Dewi; Feby Astrid Kesaulya; Chris Petra Agung; Adam Hawari
MIX: JURNAL ILMIAH MANAJEMEN Vol. 16 No. 2 (2026): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2026.v16i2.017

Abstract

Objectives: This study aims to analyze the effects of bank risks (credit, market, and operational risks) and third-party funds (TPF) on the performance of South Korean banks.Methodology: This study employed a quantitative research method to achieve the research objectives. Panel data regression using a fixed-effects model was applied to examine the relationships between the variables. Secondary data were collected from the South Korean Financial Supervisory Service, covering 12 conventional commercial banks. The study period spans from December 2015 to December 2023.Finding: The findings show that market risk, operational risk, and third-party funds significantly influence the profitability of South Korean commercial banks. Meanwhile, credit risk has no significant effect on bank performance.Conclusion: Market risk, third-party funds (TPF), and operational risk are important determinants of bank performance. Effective risk management, consistent with Basel standards, can improve operational efficiency, reduce costs, and increase net profit. However, this study finds that credit risk has no significant effect on bank performance.
Determinants of the Adoption of Digital Finance: Evidence from Indonesia Dewi, Vera Intanie; Debby, Teressia; Dharwiyanti, Sri
ETIKONOMI Vol. 25 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v25i1.46612

Abstract

Research Originality: This study offers novelty by analyzing the underexplored influence of customer-perceived value on the intention to use digital finance, and how this relationship is uniquely moderated by digital financial literacy and perceived risk. Research Objective: The research investigates the effect of the customer value proposition on the intention to use digital finance, and whether this relationship is strengthened by digital financial literacy and the perceived risk. Research Method: Using a quantitative explanatory design, the data from 409 Indonesian respondents were analyzed employing PLS-SEM. Empirical Results: The findings indicate that convenience, economic benefits, security, and seamless transactions significantly enhance CPV, which in turn positively affects the intention to use digital finance. DFL strengthens the relationship between CPV and the intention to use digital finance (quasi-moderator), whereas the perceived risk weakens it (pure moderator). Implication: These results imply that strengthening the value propositions, improving people’s digital financial literacy, and mitigating the perceived risk are critical strategies to accelerate the responsible adoption of digital finance in emerging economies. JEL Classification: O33, G20, G53, D14, D91
Analisis Kinerja Keuangan PT. MNC Sky Vision Tbk pada Periode 2019-2023 Karissa Meina Maulida; Chris Petra Agung; Vera Intanie Dewi
Movere Journal Vol. 7 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v7i2.593

Abstract

Indonesia's media and entertainment industry has experienced significant growth; however, PT. MNC Sky Vision Tbk faced challenges due to declining subscribers from 2019 to 2023. This led to a decrease in revenue and an increase in net losses. This study evaluates the company's financial performance using financial ratio analysis, horizontal and vertical analysis, and cash flow analysis based on financial statements and annual reports. The findings indicate a downward trend in financial performance, driven by declining sales without a proportional reduction in the cost of revenue, with fixed asset depreciation being the largest expense. Most financial ratios show deterioration and reduced cash inflows from operating activities have heightened the company’s liquidity risk. To address these issues, the company should focus on increasing sales, improving accounts receivable collection, and optimizing fixed asset management to enhance financial stability and ensure long-term business sustainability.
Co-Authors Abdulhakim, Muhammad Faruq Achmad Faisal, Achmad Achmad Noerkhaerin Putra Adam Hawari Agung, Chris Petra Agus Hasan Aldrin Herwany Alverell Panangian Hutagalung Anhar Fauzan Priyono Badaruz Zaman Benny Budiawan Tjandrasa Bernard T. Widjaja Brigita Meylianti Sulungbudi Budi Tjahja Halim Budiana Gomulia Budiono Budiono Budiono Budiono Catharina Ria Budiningsih, Catharina Ria Chandra Utama Cindy Devina Setiawan Debby, Teressia Detti, Regina Dharma Putra Sudjaja Dharma Putra Sundjaja Dharwiyanti, Sri Elaine Vashti Bestari Kustedja Elly Helena Sitorus Elvira Maytasya Simanjuntak Eva Ervani Eva Erviani Feby Astrid Kesaulya Felisca O Felisca Oriana Felisca Oriana S Felisca Oriana Surjoko Fernando Mulia Fitri Hastuti Gunawan, Vincent Halim, Budi Tjahja Hartanto, Evan Hasyim, Irsanti Herry Herry Ica Rika Candraningrat Ica Rika Candraningrat Indupurnahayu Inge Barlian Inge Barlian Sundjaja Istiharini . Karissa Meina Maulida Kesaulya, Feby Astrid Lestari Eva Maryani Lilian Danil Maratno, Sylvia Fettry Elvira Meilinda . Meilinda Meilinda Militcyano Samuel Sapulette Militcyano Samuel Sapulette Muhammad Faruq Abdulhakim Muhammad Faruq Abdulhakim Muhammad Rafdi Raihan Pranata Ni Wayan Mujiati Nia Carmila Siringoringo Nicolaus Juan Adiputra Nike Anabella Nina Septina Novianti, Nurfa Citra Nugroho, Nicolaus Wicaksono Nury Effendi Nyoman Abundanti Pangau, Angelia Christin Parlindungan, Salomon Powell, Karen Arecia Pratama, Yehuda Nino Putri, Gianisa Mentari Putri, Nabilla Ditya Putu Ayu Kezia Dewi Putu Ayu Kezia Dewi Rahmani, Syifa Afifah Regina Deti Renea Shinta Aminda Ria Satyarini Ridwan S. Sundjaja Ridwan S. Sundjaja Ridwan Sundjaja Rizka Nugraha Praktikna Rooroh, Ryo Junior Salomon Parlindungan Samuel Samuel Samuel Sapulette, Militcyano Sapulette, Militcyano Samuel Sastroredjo, Probowo Erawan Setiawan, Daniel Imanuel Singadipoera, Muhammad Raihan Rafly Suminar, Rita Tiffani, Ignasia Tjandrasa, Benny Budiawan Triyana Iskandarsyah Umi Widyastuti Vincent Gunawan YUSUF, RAMAYANI