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All Journal Syntax Literate: Jurnal Ilmiah Indonesia IIJSE
Farah Margaretha
Universitas Trisakti, Jakarta, Indonesia
Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Faktor-Faktor Yang Mempengaruhi Minat Dalam Mengadopsi Layanan Fintech Yulia Eka Riyanti; Apriliani Adeayu Kurniawati; Emil Fawwaz; Herwikson Sitorus; Farah Margaretha
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (502.498 KB) | DOI: 10.36418/syntax-literate.v7i2.6445

Abstract

Perkembangan teknologi dan informasi cukup pesat menuntut masyarakat untuk menggunakan dan memanfaatkan teknologi-teknologi yang ada dalam kehidupan sehari-hari, salah satunya adalah dengan penggunaan internet. Penelitian ini bertujuan untuk menguji dan memperoleh bukti empiris terkait faktor-faktor yang mempengaruhi minat seseorang dalam mengadopsi layanan fintech. Sampel dalam penelitian ini berjumlah 130 sampel. Sampel diperoleh melalui penyebaran kuisioner penelitian. Data yang digunakan dalam penelitian ini adalah data primer dengan metode kuantitatif dan dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa manfaat yang dirasakan, citra merek, dukungan pemerintah berpengaruh terhadap sikap. Selanjutnya, citra merek, dukungan pemerintah dan dan inovasi pengguna berpengaruh terhadap kepercayaan. Di samping itu, kemudahan penggunaan berpengaruh terhadap manfaat yang dirasakan dan sikap berpengaruh terhadap minat. Sedangkan kemudahan penggunaan, kepercayaan dan risiko yang dirasakan tidak berpengaruh terhadap sikap dan risiko yang dirasakan tidak berpengaruh terhadap kepercayaan. Implikasi dari penelitian ini yaitu sebagai perusahaan juga perlu mempertimbangkan pengaruh adopsi layanan fintech dari sisi permintaan dan hasil penelitian ini diharapkan dapat menambah wawasan dan pengetahuan terkait layanan fintech.
Key Factors Impacting Profitability in Indonesian Commercial Banks: Financial Ratio, Macroeconomic, and Ownership Structure Amalia Mega Berliana; Grecia Alvionita Simanjorang; Villia Nikmatul Khasanah; Henny Setyo Lestari; Farah Margaretha
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5576

Abstract

Profitability is essential for assessing company performance and attracting investors. This study aims to examine the effect of non-interest income, size, loan loss provision, capital adequacy ratio, overheads, non-performing loans, inflation, interest rate, and foreign ownership on the profitability of commercial banks in Indonesia. Using a quantitative approach, secondary data from the Indonesia Stock Exchange, Central Bureau of Statistics, Bank Indonesia, and company websites were analyzed over seven years (2017-2023) from 32 commercial banks, resulting in 224 financial statement data points. Panel data regression analysis with Eviews 12 was employed. The results indicate that non-interest income, size, inflation, interest rate, and foreign ownership do not significantly affect profitability. However, loan loss provision, capital adequacy ratio, overheads, and non-performing loans significantly impact profitability. These findings highlight the importance of managing problematic loans, maintaining a robust capital adequacy ratio, and improving operational efficiency to enhance profitability. The study suggests that company managers should also consider other factors such as financing decisions, asset utilization, tangibility, sales growth, and age to maximize profitability. Future research should explore different sectors and extend the study period to identify additional factors influencing corporate profitability, thereby providing deeper insights for strategic decision-making to improve financial performance.
Banking Health Indicators and Their Impact on Credit Risk in the Indonesian Banking Sector Kelvin Pratama; Akmal Sulistomo; Henny Setyo Lestari; Farah Margaretha
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6316

Abstract

Credit risk is inherent in the banking sector, as banks extend credit to the public as a primary source of income. Banks supervised by the Financial Services Authority (Otoritas Jasa Keuangan, OJK) are required to prioritize prudential principles, leading the OJK to monitor risk management in banking through the Non-Performing Loan (NPL) ratio. Various factors can contribute to an increase in credit risk for banks. This study aims to analyze banking-related factors and macroeconomic factors that may influence credit risk. The independent variables related to banking include SIZE, ROA, liquidity, bank capital, and asset quality, while the macroeconomic variables include GDP growth, inflation rate, and unemployment rate. The study employs a panel data regression method with a sample of 42 conventional banks listed on the Indonesia Stock Exchange from 2019 to 2023. The results reveal that liquidity and asset quality have a significant positive impact on credit risk, whereas bank capital, GDP growth, inflation rate, and unemployment rate have a significant negative impact on credit risk. Meanwhile, firm size, profitability, and the OEI ratio do not significantly influence credit risk. This research provides insights for financial managers in managing credit risk while considering macroeconomic conditions when making decisions. Additionally, for investors, the findings offer valuable perspectives on the factors to consider when evaluating banking institutions for investment purposes.
Co-Authors Akmal Sulistomo Amalia Mega Berliana Apriliani Adeayu Kurniawati Emil Fawwaz Grecia Alvionita Simanjorang Henny Setyo Lestari Herwikson Sitorus Kelvin Pratama Villia Nikmatul Khasanah Yulia Eka Riyanti