Articles
<![CDATA[Pengaruh Financial Literacy dan Karakteristik Individu terhadap Retirement Budget melalui Financial Risk Tolerance ]]>
<![CDATA[Faizah Maya Husna]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Rida Rahim]]>
<![CDATA[ Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 1 (March 2023) ]]>
Publisher : <![CDATA[SAFE-Network ]]>
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DOI: 10.37034/infeb.v5i1.216
<![CDATA[This study aims to prove the effect of financial literacy, individual characteristics, financial risk tolerance on the retirement budget of the State Civil Apparatus in the Provincial Government of West Sumatra. In addition, this study aims to prove financial risk tolerance as a moderator of the relationship between financial literacy and retirement budget and moderation of the relationship between individual characteristics and retirement budget in the State Civil Apparatus in the Provincial Government of West Sumatra. Data collection was carried out by distributing questionnaires directly or using a Google form. Based on the results of hypothesis testing, it was found that financial literacy, individual characteristics, and financial risk tolerance had a positive and significant effect on the retirement budget, while individual characteristics as measured by gender and number of dependents did not have a significant effect on the retirement budget. Financial risk tolerance weakens the relationship between financial literacy and retirement budget. financial risk tolerance does not moderate the relationship between individual characteristics and the retirement budget of the State Civil Apparatus.]]>
<![CDATA[Pengaruh Behavioral Intention dan User Behavioral terhadap Gender sebagai Variabel Moderasi ]]>
<![CDATA[Nadya Fritanita Julyazti]]>;
<![CDATA[Mohamad Fany Alfarisi]]>;
<![CDATA[Fajri Adrianto]]>
<![CDATA[ Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 1 (March 2023) ]]>
Publisher : <![CDATA[SAFE-Network ]]>
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DOI: 10.37034/infeb.v5i1.220
<![CDATA[This study aims to prove the effect of performance expectancy, effort expectancy, social influence and facilitating conditions on the behavioral intention of customers in the city of Padang to use Islamic banking mobile banking in the city of Padang. In addition, this study aims to prove the role of gender as a moderator of the relationship between behavioral intention and customer user behavior. Using sharia banking mobile banking services in the city of Padang. Data collection was carried out by distributing questionnaires which were carried out directly or using the Google form. The data analysis method was carried out using the Structural Equation Model. Based on the results of hypothesis testing, it was found that performance expectancy, social influence, facilitating conditions had a significant effect on behavioral intention, besides that it was also found that gender did not moderate the relationship between behavioral intention and user behavior of customers using Islamic banking mobile banking services in Padang City.]]>
<![CDATA[Analisis Sentiment Review Pengguna BCA Mobile Menggunakan Teks Mining ]]>
<![CDATA[Willa Fatika Sari]]>;
<![CDATA[Rida Rahim]]>;
<![CDATA[Fajri Adrianto]]>
<![CDATA[ Cakrawala Repositori IMWI Vol. 6 No. 2 (2023): Cakrawala Repositori IMWI ]]>
Publisher : <![CDATA[Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia ]]>
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DOI: 10.52851/cakrawala.v6i2.295
<![CDATA[The purpose of this research is to analyze the sentiment that exists in mobile banking and what aspects are the basis for assessing user sentiment. The method used is text mining using the Naïve Bayes algorithm in Python. The type of data used is qualitative text data. Data is collected from user reviews of mobile banking applications on the Google Play Store. The results of this study found BCA Mobile has a positive sentiment with a Positive TN value of 44% with an accuracy value of 82%. As for the confusion matrix results of each sentiment class, the Precision value in the positive sentiment class is 87%, in the negative class is 79%, the Recall value of the positive class is 72%, in the negative class is 91%, and the F1-Score value of the positive and negative classes is 79% and 84%, respectively. This assessment is reviewed from several aspects of the reviews given by users such as the verification process, ease of use, security, and features presented.]]>
<![CDATA[Sentiment Analysis Against Digital Payment “GoPay”, “OVO”, “DANA”, and “ShopeePay” Using Naïve Bayes Classifier Algorithm ]]>
<![CDATA[Lorenza Julia Ningri]]>;
<![CDATA[Masyhuri Hamidi]]>;
<![CDATA[Fajri Adrianto]]>
<![CDATA[ Indonesian Journal of Economics and Management Vol 3 No 2 (2023): Indonesian Journal of Economics and Management (March 2023) ]]>
Publisher : <![CDATA[Jurusan Akuntansi Politeknik Negeri Bandung ]]>
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DOI: 10.35313/ijem.v3i2.4765
<![CDATA[Financial technology is a term used by companies that offer technological innovations in the financial sector. One of the products from Fintech is digital payments. The purpose of this study is to analyze the sentiment of digital wallet services using the Twitter social media. The digital wallets taken in this study are Gopay, Ovo, Dana, and ShopeePay. This research uses the Naïve Bayes Algorithm classification method. Comment data was taken from Twitter social media which were divided into two sentiment classes, namely positive sentiment and negative sentiment. The results of this study are the most widely accepted positive sentiment among the four digital wallets is ShopeePay, the most widely received negative sentiment among the four digital wallets is Dana. Customers who have skills in using digital payments can be grouped as Well Literate in financial literacy.]]>
<![CDATA[Literature Review: Mediation Effects of Debt Maturity on Good Corporate Governance in Enhancing Financial Performance ]]>
<![CDATA[M. Hasmil Adiya]]>;
<![CDATA[Masyuri Hamidi]]>;
<![CDATA[Rida Rahim]]>;
<![CDATA[Fajri Adrianto]]>
<![CDATA[ Journal of Applied Business and Technology Vol. 4 No. 2 (2023): Journal of Applied Business and Technology ]]>
Publisher : <![CDATA[Institut Bisnis dan Teknologi Pelita Indonesia ]]>
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DOI: 10.35145/jabt.v4i2.125
<![CDATA[This study proposes a research model to investigate the mediating effect of debt maturity on the relationship between good corporate governance (GCG) and financial performance. The qualitative approach employed is a systematic literature review (SLR) technique, analyzing 11 articles selected from 142 related ones found on the Google Scholar database within the 2010-2021 research range based on inclusion and exclusion criteria. Debt maturity was found to play a crucial role in shaping the effectiveness of GCG mechanisms in managing financial risks and improving financial performance. The proposed research model has implications for researchers and practitioners, providing a basis for future empirical studies exploring the interplay between GCG, debt maturity, and financial performance. For practitioners, it offers a theoretical framework for developing policies and practices promoting effective GCG and optimal debt maturity structures to enhance financial performance. The findings inform the development of policies and procedures that promote good corporate governance and optimal debt maturity structures, leading to improved financial performance. Additionally, the proposed research model may be applied to other contexts, contributing to a better understanding of the role of debt maturity in the relationship between GCG and financial performance.]]>
<![CDATA[Governance Components and Social Performance: Company Analysis of G20 Countries ]]>
<![CDATA[Muhammad Farras Aroes]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Mohamad Fany Alfarisi]]>
<![CDATA[ Journal of Social Research Vol. 2 No. 5 (2023): Journal of Social Research ]]>
Publisher : <![CDATA[International Journal Labs ]]>
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DOI: 10.55324/josr.v2i5.935
<![CDATA[This study is aimed to obtain empirical evidence of the influence of Management, Shareholders, and CSR Strategy on the Social Performance of companies from countries listed in the G20 forum. The study also used four control variables: Firm Size, Firm Age, Firm Leverage, and Firm Profitability. The data used is secondary data from the Thomson Reuters Eikon database of 60 companies engaged in Consumer Non-Cyclicals (Staples), more specifically, namely those engaged in the Food and Beverages sector in 2012-2021. This study used Panel Data Regression Analysis; Fixed Effect Model with the help of STATA 17. The results of this study show that Management and CSR Strategy have a significant and positive effect on Social Performance. Meanwhile, Shareholders have an insignificant and negative influence. This research adds to the high value of the scientific literature because it provides a good overview and basis for understanding how companies can provide Social Performance in accordance with company policies and performance.]]>
<![CDATA[ENDOGENEITY TESTING: HEURISTIC BEHAVIOR AS A REFERENCE FOR BEGINNING INVESTORS IN MAKING INVESTMENT DECISIONS ]]>
<![CDATA[Syailendra Eka Saputra]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Mohamad Fany Alfarisi]]>;
<![CDATA[Masyhuri Hamidi]]>;
<![CDATA[Fajri Muharja]]>
<![CDATA[ Jurnal Apresiasi Ekonomi Vol 11, No 2 (2023) ]]>
Publisher : <![CDATA[Institut Teknologi dan Ilmu Sosial Khatulistiwa ]]>
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DOI: 10.31846/jae.v11i2.608
<![CDATA[This study aims to examine the tendency of endogeneity on heuristic behavior as a reference for novice investors in making investment decisions. Endogeneity is a deviation in OLS modeling which shows that there is still a correlation between the independent variables in the model and the error, causing biased results. The issue of endogeneity is an interesting aspect of current research, and still creates pros and cons for researchers in the fields of finance and econometrics. In this study, 158 respondents were used who were novice investors. The selection of respondents was done randomly. In this study, four categories of variables were used, namely the dependent variable, namely investment decisions, the independent variable, namely financial risk tolerance, endogenous heuristic behavior variables and financial literacy instrument variables. The analysis method is carried out using ivregress 2sls which is processed with Stata. The test results found that endogeneity symptoms were detected in heuristic behavior of novice investors. This behavior appears and influences investment decisions because it is preceded by financial literacy, which rejects the insights that investors have about financial science or investment.]]>
<![CDATA[MILLENNIAL INVESTOR DECISION ANALYSIS AND ITS DETERMINANTS (AN ENDOGENEITY PERSPECTIVE) ]]>
<![CDATA[Abel Tasman]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Mohamad Fany Alfarisi]]>;
<![CDATA[Masyhuri Hamidi]]>;
<![CDATA[Fajri Muharja]]>
<![CDATA[ Jurnal Apresiasi Ekonomi Vol 11, No 2 (2023) ]]>
Publisher : <![CDATA[Institut Teknologi dan Ilmu Sosial Khatulistiwa ]]>
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DOI: 10.31846/jae.v11i2.612
<![CDATA[This study aims to see 1) The effect of Financial Literacy on the investment decisions of the millennial generation in Padang City 2) The effect of Risk Perception on the investment decisions of the millennial generation in Padang City 3) This type of research is a comparative causal research (Causative). The sample in this study was 96 respondents who are the Millennial generation of Padang City with a purposive sampling method. The types of data in this study are primary data and secondary data. This study uses panel data regression analysis. The data collection technique used is a questionnaire. Instrument trials use validity and reliability tests. Prerequisite analysis tests carried out included normality tests, heteroscedasticity tests, and multicollinearity tests. The collected data was analyzed using SPSS version 20.0. This study also examines endogeneity by using financial literacy as an endogenous variable and risk perception as an instrument variable. The results of this study indicate 1) Financial Literacy has a significant positive effect on the investment decisions of the millennial generation in Padang City 2) Risk Perception has a positive but not significant effect on the investment decisions of the millennial generation in Padang City due to endogeneity]]>
<![CDATA[Analisis Business Model Canvas pada Perusahaan Ready Mix Concrete PT XYZ ]]>
<![CDATA[Ramadinda Risti]]>;
<![CDATA[Syukri Lukman]]>;
<![CDATA[Fajri Adrianto]]>
<![CDATA[ Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023) ]]>
Publisher : <![CDATA[SAFE-Network ]]>
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DOI: 10.37034/infeb.v5i3.639
<![CDATA[The purpose of this study is to analyze the business model canvas (BMC) at ready mix concrete company PT. XYZ. This study used purposive sampling, the informants in this study were directors and heads of divisions. Data collection was carried out by observation, interviews, Forum Group Discussion (FGD) and literature studies. The research phase begins with the Business Model Canvas and SWOT, problem identification, data collection, data analysis, interpretation of results and conclusions. Through the analysis described above, the result is that PT. XYZ has implemented a Business Model Canvas. Results of the SWOT matrix by writing down opportunities and threats on the vertical side and strengths and weaknesses on the horizontal side. Based on the results of the SWOT matrix, there are 13 alternative strategies that PT XYZ can choose from. After conducting a Swot analysis of the business model canvas, then a new business model canvas is formed for the company's business model. The limitations of this study are limited to only using the Business Model Canvas analysis method and SWOT analysis, it is recommended to use the analytical method using QSPM to get better results. The informants in this study only focused on informants who came from internal company PT. XYZ. Suggested further research by adding informants from external parties PT. XYZ company.]]>
<![CDATA[Analisis Pengaruh Indikator Keuangan dan Makro Ekonomi terhadap Profitabilitas Bank Pembangunan Daerah di Masa Sebelum dan Selama Pandemi Covid-19 ]]>
<![CDATA[Eka Satria Praja]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Masyuri Hamidi]]>
<![CDATA[ Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023) ]]>
Publisher : <![CDATA[SAFE-Network ]]>
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DOI: 10.37034/infeb.v5i3.680
<![CDATA[This study aims to see the effect of NPL, LDR, CASA, GRDP and inflation on the profitability of 26 (twenty six) Regional Development Banks (BPD) throughout Indonesia which were presented in the form of ROA ratios for the period before the Covid pandemic in 2016 to 2019 and during the Covid pandemic from 2020 to 2021. The descriptive research method uses a quantitative approach with the data analysis method used i is panel data regression analysis. The type of data used is secondary data sourced from published financial reports of BPDs throughout Indonesia on the websites of each BPD, the Central Bureau of Statistics and Bank Indonesia. This research got partial results before the Covid pandemic; NPL has a significant negative effect on ROA, LDR has no significant positive effect on. CASA has no significant positive effect on ROA. GRDP has no significant positive effect on ROA. Inflation has no significant negative effect on ROA. Simultaneously NPL, LDR, CASA, GRDP and inflation have a significant effect on ROA. Partial research results during the Covid pandemic; NPL has no significant negative effect on ROA. LDR has no significant positive effect on ROA. CASA has no significant positive effect on ROA. GRDP has no significant positive effect on ROA. Inflation has no significant negative effect on ROA. Simultaneously NPL, LDR, CASA, GRDP and inflation have no significant effect on ROA.]]>
