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All Journal JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Jurnal Mirai Management Cetta: Jurnal Ilmu Pendidikan INVENTORY: JURNAL AKUNTANSI Journal of Education Technology International Journal of Multi Discipline Science (IJ-MDS) Literacy: Jurnal Pendidikan Ekonomi Manajemen dan Kewirausahaan Balance : Jurnal Akuntansi dan Manajemen Journal of International Conference Proceedings Benefit : Journal of Bussiness, Economics, and Finance Riwayat: Educational Journal of History and Humanities International Journal of Management and Business Intelligence (IJMBI) Jurnal Manajemen Pendidikan Islam J-Shelves of Indragiri (JSI) Economic Education Analysis Journal Society AKRUAL : Jurnal Akuntansi dan Keuangan` Jurnal Ragam Pengabdian Ekopedia: Jurnal Ilmiah Ekonomi Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis
Sjeddie Watung
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH KEPEMIMPINAN DAN KEMAMPUAN BERKOMUNIKASI GURU TERHADAP MOTIVASI BELAJAR SISWA SMA NEGERI 1 AIRMADIDI Christien A. Bomboa; sjedie Watung; Agnes Rooroh; Litriyanti Palangda
Literacy: Jurnal Pendidikan Ekonomi Vol 5 No 2 (2024): Desember
Publisher : Jurusan Pendidikan Ekonomi Fakultas Ekonomi dan Bisnis UNIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/jpeunima.v5i2.10995

Abstract

ABSTRAK< strong>< p> Penelitian ini bertujuan untuk mengetahui pengaruh Kepemimpinan dan Kemampuan Berkmunikasi terhadap Motivasi Belajar Siswa SMA Negeri 1 Airmadidi Metode penelitian yang digunakan adalah metode survei dengan 70 sampel Teknik yang digunakan dalam pengumpulan data ini adalah Teknik kuisioner angket observasi dan dokumentasi Hasil dari penelitian survey di analisis dengan metode analisis uji normalitas data dan metode analisis linier berganda Dari uji instrument yang digunakan variabel X1 menggunakan 17 item X2 menggunakan 14 item dan variabel Y menggunakan 20 item yang dimana semua variabel variabel valid Hasil uji hipotesis diperoleh: 1 ada pengaruh Kepemimpinan Kepala Sekolah terhadap Motivasi Belajar Siswa SMA Negeri 1 Airmadidi sebesar 45 ; 2 ada pengaruh nbsp; Kemampuan Komunikasi Guru terhadap Motivasi Belajar Siswa SMA Negeri 1 Airmadidi 36 ; 3 dan ada pengaruh Kepemimpinan dan Kemampuan Komunikasi Guru terhadap Motivasi Belajar Siswa SMA Negeri 1 Airmadidi sebesar 59 nbsp; Dan sisanya nbsp; 41 ditentukan oleh variabel lain yang tidak diteliti < p> Kata Kunci< strong> : Kepemimpinan Komunikasi Guru Motivasi Belajar Siswa < p> nbsp;< p> nbsp;< p> ABSTRACK< strong>< p> This study aims to determine the effect of Leadership and Communication Skills on Student Learning Motivation at SMA Negeri 1 Airmadidi The research method used is a survey method with 70 samples The techniques used in collecting this data are questionnaire techniques observation and documentation The results of the survey research were analyzed using the data normality test analysis method and multiple linear analysis methods From the instrument test used variable X1 used 17 items X2 used 14 items and variable Y used 20 items where all variables were valid The results of the hypothesis test obtained: 1 there is an influence of Principal Leadership on Student Learning Motivation at SMA Negeri 1 Airmadidi by 45 ; 2 there is an influence of Teacher Communication Skills on Student Learning Motivation at SMA Negeri 1 Airmadidi 36 ; 3 and there is an influence of Leadership and Teacher Communication Skills on Student Learning Motivation at SMA Negeri 1 Airmadidi by 59 And the remaining 41 is determined by other variables that are not studied < p> Keywords:< strong> Leadership Teacher Communication Student Learning Motivation < p>
PENGARUH KUALITAS PRODUK DAN KUALITAS LAYANAN TERHADAP KEPUASAN PELANGGAN DI TOKO MR DIY TOMOHON Sjedie Watung; Iwan Kandori; Syelomita Turang
Literacy: Jurnal Pendidikan Ekonomi Vol 6 No 1 (2025): Juni
Publisher : Jurusan Pendidikan Ekonomi Fakultas Ekonomi dan Bisnis UNIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/jpeunima.v6i1.11628

Abstract

Tujuan dari < span>Penelitian ini< span> untuk < span>mengetahui pengaruh kualitas produk dan kualitas layanan terhadap kepuasan pelanggan di toko MR DIY Tomohon Penelitian ini menggunakan pendekatan kuantitatif dan menggunakan data primer melalui penyebaran kuesioner kepada pelanggan di toko MR DIY Tomohon Hasil penelitian diperoleh persamaan regresi linear berganda Y = 1 345 0 647 X< span> < span> 0 351 X< span> < span> Dari hasil uji t membuktikan bahwa secara parsial variabel kualitas produk berpengaruh signifikan terhadap kepuasan pelanggan dengan nilai t hitung gt; t tabel yaitu 3 551 gt; 1 990 kualitas layanan berpengaruh signifikan terhadap kepuasan pelanggan dengan nilai t hitung gt; t tabel yaitu 2 955 gt; 1 990 Kemudian dari hasil uji F membuktikan bahwa kualitas produk dan kualitas pelayanan secara simultan berpengaruh signifikan terhadap kepuasan pelanggan di toko MR DIY Tomohon dengan nilai F hitung lebih besar dari F tabel yaitu 458 23 gt; 3 11 dengan nilai signifikansi 0 000 lt; 0 05 < span>K< span>esimpulan< span>nya< span> bahwa kualitas produk dan kualitas layanan mempunyai pengaruh yang signifikan baik secara parsial maupun simultan terhadap kepuasan pelanggan di toko MR DIY Tomohon< span> < span>< p> Kata kunci< span> : Kualitas Produk Kualitas Layanan< span> < span> K< span>epuasan Pelanggan< span>< p> nbsp;< p> nbsp;< p> ABSTRACT< span>< p> The < span>purpose< span> of< span> this< span> study < span>is< span> to< span> determine< span> the< span> effect< span> of< span> product< span>quality< span> and< span> service< span> quality< span> on< span> customer< span> satisfaction< span> at< span> the< span>MR DIY Tomohon < span>store< span> < span>This< span> study < span>uses< span> a < span>quantitative< span>approach< span> and< span> uses< span> primary< span> data < span>through< span> distributing< span>questionnaires< span> to< span> customers< span> at< span> the< span> MR DIY Tomohon < span>store< span> The < span>results< span> of< span> the< span> study < span>obtained< span> a < span>multiple< span> linear < span>regression< span>equation< span> = 1 345 0 647 X< span> < span> 0 351 X< span> < span> The < span>results< span> of< span> the< span>t < span>test< span> prove< span> that< span> partially< span> the< span> product< span> quality< span> variable< span> has a < span>significant< span> effect< span> on< span> customer< span> satisfaction< span> with< span> a t < span>count< span>value< span> gt; t < span>table< span> < span>namely< span> 3 551 gt; 1 990 < span>service< span> quality< span> has a < span>significant< span> effect< span> on< span> customer< span> satisfaction< span> with< span> a t < span>count< span>value< span> gt; t < span>table< span> < span>namely< span> 2 955 gt; 1 990 < span>Then< span> the< span> results< span> of< span> the< span>F < span>test< span> prove< span> that< span> product< span> quality< span> and< span> service< span> quality< span>simultaneously< span> have< span> a < span>significant< span> effect< span> on< span> customer< span>satisfaction< span> at< span> the< span> MR DIY Tomohon < span>store< span> with< span> an< span> F < span>count< span>value< span> greater< span> than< span> the< span> F < span>table< span> < span>namely< span> 458 23 gt; 3 11 < span>with< span> a < span>significance< span> value< span> of< span> 0 000 lt;0 05 The < span>conclusion< span> is< span> that< span>product< span> quality< span> and< span> service< span> quality< span> have< span> a < span>significant< span>influence< span> both< span> partially< span> and< span> simultaneously< span> on< span> customer< span>satisfaction< span> at< span> the< span> MR DIY Tomohon < span>store< span> < span>< p> Keywords< span>: < span>Product< span> Quality< span> Service < span>Quality< span> < span>Customer< span>Satisfaction< span>< p>
ANALISIS IMPLEMENTASI DIGITAL MARKETING PADA USAHA RUMAH KAYU WOLOAN Emiliano Loho; Gilly Tiwow; Sjedie Watung; Iwan Kandori
Literacy: Jurnal Pendidikan Ekonomi Vol 6 No 1 (2025): Juni
Publisher : Jurusan Pendidikan Ekonomi Fakultas Ekonomi dan Bisnis UNIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/3mxfh267

Abstract

Abstrak Tujuan dari penelitian ini untuk mengetahui bagaimanakah implementasi digital marketing pada usaha rumah kayu woloan. Fokus penelitian meliputi bagaimana penerapan digital marketing faktor-faktor pendukung dan penghambatnya, serta efektivitasnya dibandingkan metode pemasaran tradisional. Metode yang digunakan adalah kualitatif dengan teknik pengumpulan data melalui wawancara langsung kepada Pebisnis rumah kayu woloan. Hasil penelitian menunjukan bahwa digital marketing berpotensi memperluas jangkauan pasar, termasuk ke luar daerah dan mancanegara, meskipun pemanfaatannya masih terbatas pada media sosial tanpa strategi kompleks seperti SEO atau iklan berbayar. Faktor pendukung utama adalah kemudahan akses teknologi dan kesadaran pengusaha akan pentingnya pemasaran digital, sedangkan keterbatasan pengetahuan teknologi dan persaingan yang ketat menjadi penghambat utama. Digital marketing terbukti lebih efektif dalam menjangkau pasar luas dibandingkan pemasaran tradisional, namun peningkatan pemahaman dan keterampilan digital sangat diperlukan. Kata Kunci : Implementasi Digital Marketing, Usaha rumah Kayu Abstract The purpose of this study is to determine how digital marketing is implemented in the woloan wooden house business. The focus of the study includes how the implementation of digital marketing, supporting and inhibiting factors, and its effectiveness compared to traditional marketing methods. The method used is qualitative with data collection techniques through direct interviews with woloan wooden house businessmen. The results of the study show that digital marketing has the potential to expand market reach, including outside the region and abroad, although its use is still limited to social media without complex strategies such as SEO or paid advertising. The main supporting factors are easy access to technology and entrepreneurs' awareness of the importance of digital marketing, while limited technological knowledge and tight competition are the main obstacles. Digital marketing has proven to be more effective in reaching a wide market than traditional marketing, but increasing understanding and digital skills is needed. Keywords: Implementation of Digital Marketing, Wooden House Business
ANALISIS PENGGUNAAN MODEL PEMBELAJARAN PROBLEM BASED LEARNING PADA SISWA PROGRAM MANAJEMEN PERKANTORAN DAN LAYANAN BISNIS DI SMK N 1 TOMBULU Chelsse Rumimper; Sjedie Watung; Gilly Tiwow
Literacy: Jurnal Pendidikan Ekonomi Vol 6 No 2 (2025): Literacy:Jurnal Pendidikan Ekonomi
Publisher : Jurusan Pendidikan Ekonomi Fakultas Ekonomi dan Bisnis UNIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/tmk9mf19

Abstract

ABSTRAK Tujuan dari Penelitian ini untuk menganalisis penggunaan model pembelajaran Problem Based Learning (PBL) dalam meningkatkan keaktifan siswa pada Program Keahlian Manajemen Perkantoran dan Layanan Bisnis di SMK Negeri 1 Tombulu. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi. Subjek penelitian terdiri atas guru mata pelajaran serta peserta didik kelas XI MPLB. Hasil penelitian menunjukkan bahwa penggunaan model PBL mendorong siswa untuk lebih aktif dalam proses pembelajaran melalui kegiatan diskusi kelompok, pemecahan masalah kontekstual, dan presentasi hasil kerja. Keaktifan siswa mengalami peningkatan yang terlihat dari partisipasi aktif, rasa ingin tahu yang tinggi, kemampuan bekerja sama, serta keberanian dalam mengemukakan pendapat. Kata Kunci : Problem Based Learning, Keaktifan Siswa ABSTRACT The purpose of this study was to analyze the use of the Problem Based Learning (PBL) learning model in improving student activity in the Office Management and Business Services Expertise Program at SMK Negeri 1 Tombulu. This study used a descriptive qualitative approach with data collection techniques in the form of observation, interviews, and documentation. The subjects of the study consisted of subject teachers and class XI MPLB students. The results of the study showed that the use of the PBL model encouraged students to be more active in the learning process through group discussion activities, contextual problem solving, and presentation of work results. Student activity increased as seen from active participation, high curiosity, ability to work together, and courage in expressing opinions. Keywords: Problem Based Learning, Student Activity
ANALISIS STRATEGI PEMBERDAYAAN EKONOMI PETANI CENGKIH DI DESA TOULIANG KECAMATAN KAKAS BARAT KABUPATEN MINAHASA Iwan Kandori; Sjedie Watung; Jerry Wuisang; Injilia Kaligiis
Literacy: Jurnal Pendidikan Ekonomi Vol 6 No 2 (2025): Literacy:Jurnal Pendidikan Ekonomi
Publisher : Jurusan Pendidikan Ekonomi Fakultas Ekonomi dan Bisnis UNIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/1fsb0857

Abstract

ABSTRAK Penelitian ini bertujuan untuk memperoleh penjelasan rinci tentang strategi pemberdayaan ekonomi petani cengkih di Desa Touliang Kecamatan Kakas Barat Kabupaten Minahasa. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan naturalistik kualitatif, karena penelitian kualitatif ini berlangsung dalam latar alami, dimana peneliti merupakan instrumen utama, data-data yang dikumpulkan berupa data deskriptif yang lebih mementingkan proses dari pada hasil. Data dalam penelitian ini menyangkut data tertulis maupun yang diamati secara langsung dari objek penelitian. Dari hasil penelitian dapat disimpulkan bahwa Untuk meningkatkan kesejahteraan petani cengkih perlu memperhatikan banyak hal, dari penyiapan lahan, pengelolaan sampai kepada persiapan panen. Petani harus lebih rajin mengikuti sosialisasi dan pelatihan untuk memperluas pengetahuan mengenai pengelolaan cengkih sehingga masa panen dapat mendapatkan hasil sesuai yang diharapkan serta perlu diberdayakan kelompok tani yang ada di Desa Toliang Kakas Barat. Kata Kunci : Pemberdayaan Ekonomi, Petani Cengkih. ABSTRACT This study aims to obtain a detailed explanation of the economic empowerment strategy of clove farmers in Touliang Village, West Kakas District, Minahasa Regency. The approach used in this study is a qualitative naturalistic approach, because this qualitative research takes place in a natural setting, where the researcher is the main instrument, the data collected is in the form of descriptive data that prioritizes the process rather than the results. The data in this study concerns written data and data that is directly observed from the research object. From the results of the study, it can be concluded that to improve the welfare of clove farmers, it is necessary to pay attention to many things, from land preparation, management to harvest preparation. Farmers must be more diligent in participating in socialization and training to expand their knowledge about clove management so that the harvest period can get the expected results and it is necessary to empower farmer groups in Toliang Village, West Kakas. Keywords: Economic Empowerment, Clove Farmers.
PENERAPAN MODEL PEMBELAJARAN PROJECT BASED LEARNING (PjBL) BERBANTUAN APLIKASI MICROSOFT EXCEL PADA MATA PELAJARAN AKUNTANSI UNTUK MENINGKATKAN KEMAMPUAN BERPIKIR KRITIS SISWA SMK N 1 TARERAN Mandagi, Injili; Watung, Sjedie; Manongko, Allen
Literacy: Jurnal Pendidikan Ekonomi Vol 6 No 2 (2025): Literacy:Jurnal Pendidikan Ekonomi
Publisher : Jurusan Pendidikan Ekonomi Fakultas Ekonomi dan Bisnis UNIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/vtthbd63

Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui peningkatan kemampuan berpikir kritis siswa melalui penerapan model pembelajaran Project Based Learning pada mata pelajaran akuntansi di kelas XI Akuntansi Keuangan dan Lembaga SMK Negeri 1 Tareran. Penelitian ini menggunakan Penelitian Tindakan Kelas (PTK) dengan pendekatan kualitatif deskriptif. Dilaksanakan di SMK Negeri 1 Tareran, Kabupaten Minahasa Selatan. Subjek pada penelitian ini adalah siswa kelas XI Akuntansi Keuangan dan Lembaga pada semester ganjil tahun ajaran 2025/2026, yang berjumlah 20 siswa. Penelitian ini meliputi 4 tahap (1) tahap perencanaan, (2) pelaksanaan, (3) pengamatan, (4) refleksi. Metode pengumpulan data yang digunakan dalam penelitian ini adalah metode observasi, wawancara, catatan lapangan dan dokumentasi. Hasil penelitian menunjukan bahwa model pembelajaran Project Based Learning dapat meningkatkan kemampuan berpikir kritis siswa. Hal ini dapat dibuktikan dari rekapan hasil observasi kemampuan berpikir kritis siswa yang meningkat dari rata-rata siklus I 2.6 kategori cukup menjadi 3.6 kategori sangat baik pada siklus II. Dapat dilihat juga pada presentase siswa siklus I 60% meningkat menjadi 90% pada siklus II. Kata Kunci : Project Based Learning, Kemampuan Berpikir Kritis, Microsoft Excel, Tindakan Kelas ABSTRACT This study aims to determine the improvement in students critical thinking skills through the applicarion of the Project Based Learning model in accounting subjects in the 11th grade of Financial and Institutional Accounting at SMK Negeri 1 Tareran. Classroom Action Research (CAR) using a descriptive qualitative approach is used in this study. It took place in South Minahasa Regency’s SMK Negeri 1 Tareran. Twenty students in the 11th grade of Financial and Institutional Accounting during the odd semester of the 2025-2026 school year served as the study’s subjects. Four phases comprised this study: (1)planning, (2)excecution, (3)observation, and (4)reflection. This study collected data through observation, interviews, fiels notes, and documentation. The results of the study show that the Project-Based Learning model can improve students' critical thinking skills. This can be proven from the recapitulation of the results of observations of students' critical thinking skills, which increased from an average of 2.6 in cycle I (sufficient) to 3.6 in cycle II (very good). It can also be seen in the percentage of students in cycle I, which increased from 60% to 90% in cycle II. Keywords : Project Based Learning, Chritical Thinking, Microsoft Excel, Classroom Action Research
Pengaruh Sumber Pembiayaan Pendidikan terhadap Peningkatan Hasil Belajar Siswa di SMA Negeri 7 Manado Shelty Deity M Sumual; Sjeddie Rianne Watung; Febryani M. L. Rattu; Allen A. Ch. Manongko
Society Vol 9 No 2 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i2.267

Abstract

This research aims to determine the source of education funding and the magnitude of the influence of these sources of educational funding on student learning outcomes. The expected benefits from this research include practical benefits, which can serve as a reference for readers and become a means for this research to explore economic education theories, and theoretical benefits as inputs for Education Office. This research used a descriptive method with correlational techniques, in which the data collected were analyzed with a correlation formula. The population was all students who received BKM (Bantuan Keluarga Miskin or Poor Family Assistance) scholarships, and the sample was taken from the entire population. The research results showed that students’ average potential was satisfactory, and education funding significantly influenced student achievement. Apart from the education funding factors, learning achievement is also determined by other factors, such as student perseverance.
Pengaruh Pemberian Insentif Terhadap Komitmen Kerja Karyawan di Rumah Sakit Umum Bethesda Kota Tomohon Sjeddie Rianne Watung; Febryani M. L. Rattu; Shelty Deity M Sumual; Jerry Rommy Herter Wuisang
Society Vol 9 No 2 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i2.273

Abstract

The provision of incentives is one stimulus to encourage someone’s loyalty, and better work performance as the incentives are paid based on one’s work commitment. This research was conducted at Bethesda General Hospital, Tomohon City, and aims to determine the effect of incentives on its employee work commitment. The results of the correlation coefficient analysis of r = 0.84 indicated that there is a close and positive relationship between incentives and employee work commitment. The correlation analysis also produced the coefficient of determination r² = 0.71 or 71%, implying that the provision of incentives influences 71% of employee work commitment, and other factors beyond this research influence the remaining 29%. In addition, the t-test analysis shows that t count = 8.23 is greater than t table = 1.70 indicating a highly significant relationship between the provision of incentives and employee work commitment.
Artificial Intelligence’s Role in Enhancing MSMEs Revenue through Digital Promotion Sahat Renol HS; Selvita Eka Eviana Purba; Sjeddie R Watung; Ramon Arthur Ferry Tumiwa; Jessylistina Hercyliana Langi
Economic Education Analysis Journal Vol. 14 No. 3 (2025): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v14i3.33854

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the global economy but face challenges in effectively leveraging artificial intelligence (AI)-based digital marketing. This study aims to analyze the effects of automation, personalization (PER), and advertising efficiency (EFF) on marketing performance (MP) and their implications for MSME revenue (REV). Data were collected through a cross-sectional survey of 95 MSMEs in North Sumatra that have adopted AI-based digital promotions. The questionnaire consisted of 25 indicators covering five constructs: AUT (5 items), PER (5 items), EFF (5 items), MP (5 items), and REV (5 items). The analysis was conducted using SEM-PLS. The results indicate that AUT (p = 0.000), PER (p = 0.011), and EFF (p = 0.000) significantly influence MP but do not have a direct effect on REV (p > 0.05). In contrast, MP (p = 0.000) serves as a key mediator, channeling the benefits of AI-based strategies into revenue growth. The research model explains 51% of the variance in Marketing Performance and 29.8% of the variance in Revenue. These findings underscore that the impact of AI on MSME revenue is indirect, occurring through enhanced marketing effectiveness, customer engagement, and promotional innovation. The implications suggest that strengthening digital capabilities, visionary leadership, and adequate technological infrastructure are prerequisites for MSMEs to fully exploit AI potential. Therefore, an integrated AI-based marketing strategy can enhance both competitiveness and financial performance of MSMEs in the digital era.
The Impact of Financial Technology and Operational Efficiency on Banking Profitability in Indonesia 2021-2024 Lola Violin Sengka; Sjeddie R. Watung; Linda A. O. Tanor
INVENTORY: JURNAL AKUNTANSI Vol. 10 No. 1 (2026)
Publisher : Prodi Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas PGRI Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/inventory.v10i1.23445

Abstract

This study aims to analyze the influence of financial technology (fintech) and operational efficiency on banking profitability in Indonesia during the 2021-2024 period. Fintech is measured by the number of mobile banking transactions, operational efficiency is proxied by the BOPO ratio, and profitability is measured by ROA. The study used a quantitative method with panel data regression analysis, and the best model obtained was the Random Effects Model (REM) with the help of EViews 12. Based on the analysis results, fintech has a significant positive effect on ROA, while operational efficiency has a significant negative effect on ROA. These results indicate that improving digital services and controlling operational costs play a significant role in improving banking financial performance
Co-Authors . Tabita abu, ilham Agnes Rooroh Alfina Wildatul Fitriyah Allen A. CH. Manongko Alqurbani, Imam Anatasya Towadji Arter Songgigilan Bomboa, Christien A. Cantika Mamuaya Cecilia Lelly Kewo Chelsse Rumimper Cherys Laloan CHINDANA M C OROH Christian EM Pelealu Christien A. Bomboa Edwin Wantah Emiliano Loho Faresi, Gilang Muhammad Fajri Febriyani Maureen Lidya Rattu Febryani M. L. Rattu Febryani M. L. Rattu Feine Tulung Fresilia Mamengko Gilly Marlya Tiwow Herman Philips Dolonseda Herman Philips Dolonseda Hill Gelfry Sau Hill Gelfry Sau Imam Alqurbani Injilia Kaligiis Iwan Kandori Jackson Joshua Bawole Jamil, Jumrah Jerry Rommy Herter Wuisang Jessylistina Hercyliana Langi Jetly Owen Singal Jones Xaverius Pontoh Jufelsi pelle Julia Sinoritha Julia Sinoritha Julien Chintya Jusak Patty Laratmase, Antonia Junianty Linda A. O. Tanor lisa suoth lisa suoth Listriyanti Palangda Litriyanti Palangda Loho, Emilliano Lola Violin Sengka Ludiantri Lowimski Guratji Mamangkey, Injili Ester Mambu, Roy Mandagi, Injili Miryam Pingkan Lonto Mohammad Reza Mandagi Najwa, Sitti Nanda Saputra Nikolas Fajar Wuryaningrat Nova Ch. Mamuaya Nuril Huda Oktaviani Pesak Olivia Novianti Palinggi Oliviane O Sumampouw Palangda, Litriyanti Palinggi, Olivia Novianti Pantow, Feybiola pelle, Jufelsi Pesak, Oktaviani Purwaningsih, Sri Siswanto Ramon Arthur Ferry Tumiwa Ray Mambu Repi, Heidi Kristian Roy Mambu Sahat Renol HS - -, Sahat Renol HS - Sarahutu, Regina Margaretha Selvita Eka Eviana Purba Shania Elisabet Sumajow Shelty D. M. Sumual Siti Nurul Hasana Seroy Sitti Najwa Songgigilan, Arter Sophia Pongoh Sri Siswanto Purwaningsih Sumajow, Shania Elisabet Sumual, Shelti Sunarno Sunarno Syelomita Turang Tabita, . Tala, Olivia Tamboto, Henry Jeheskiel Daniel Taroreh, Johny Tika Mamonto Tika Mamonto Timporok, Sara Tineke Sumual Towadji, Anatasya Turang, Syelomita Yulianto Abas