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Analisis Penggunaan Mobile Banking dalam Meningkatkan Efektivitas Transaksi Nasabah S, Masykur Arief; Almas, Nova Fadhillah; Kemala, Dewi; Salsabila, Intan Tiara Ayu; Syahwildan, Muhamad
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.31513

Abstract

Penelitian ini bertujuan untuk menganalisis sejauh mana penggunaan mobile banking dapat meningkatkan efektivitas transaksi nasabah di sektor perbankan indonesia. Perkembang teknologi informasi telah mendorong transformasi layanan keuangan, dimana mobile banking hadir sebagai solusi digital yang menawarkan kemudahan, kecepatan, dan efisiensi. Studi ini menggunakan studi literatur dan pendekatan kuantitatif melalui penyebaran kusioner kepada nasabah aktif pengguna mobile banking. Hasil penelitian menunjukkan bahwa mobile banking berkontribusi positif terhadap efektivitas transaksi melalui peningkatan aksesibilitas layanan, penguranga waktu transaksi, serta peningkatan kenyamanan dan keamanan. Selain itu, pengguna mobile banking juga meningkatkan kepuasan dan loyalitas nasabah terhadap bank. Namun, tantangan seperti rendahnya literasi digital, kekhawatiran terhadap keamanan data, dan keterbatasan infrastruktur jaringan masih perlu dibatasi. Oleh karena itu, diperlukan peran aktif perbankan dalam memperkuat edukasi digital dan sistem keamanan. Penelitian ini diharapkan menjadi referensi bagi institusi keuangan dan pembuat kebijakan dalam mengembangkan layanan mobile banking yang lebih inklusif, aman, dan efektif.
Analysis of Profitability, Leverage, and Company Size on Tax-Avoidance Mandasari, Pratika Intan; Mubarok, Akhmad Yasir; Dasman, Sunita; Syahwildan, Muhamad
Growth: Journal Management and Business Vol. 1 No. 01 (2023): Desember 2023
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/growth.v1i01.163

Abstract

This study aims to determine the effect of profitability, leverage, and company size on tax avoidance in property and real estate sector companies listed on the Indonesia Stock Exchange for the 2017-2021 period. Taxes in Indonesia from year to year never reach the target, although in terms of nominal it has increased from year to year. The applicable tax collection in Indonesia is a self-assessment system, a system that requires taxpayers to calculate the amount of tax owed themselves. The weakness of this tax system is that it can lead to tax fraud and violations in the form of efforts to avoid or fight taxes (tax avoidance). The factors that cause companies to avoid paying taxes include: profitability, leverage and company size. This study uses a quantitative research approach, the type of secondary data obtained from the official website of the Indonesia Stock Exchange and the company concerned. Data analysis using descriptive analysis, panel data regression selection, followed by classical assumption test including normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. The statistical method uses panel data regression analysis. The results show that profitability has a significant negative effect on tax avoidance, leverage has a significant effect on tax avoidance and company size has no effect on tax avoidance in property and real estate sector companies listed on the Indonesia Stock Exchange for the 2017-2021 period.
The Influence of Financial Literacy and Financial Socialization on the Financial Management Behavior of Investors in Indonesia After the Covid 19 Pandemic Muhamad Syahwildan; Erin Soleha
Jurnal Multidisiplin Madani Vol. 3 No. 11 (2023): November, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/mudima.v3i11.6928

Abstract

Financial intelligence is a term used to describe the capacity to organize and manage money that is determined as one of the indicators of a person's success in managing their finances. Maximizing the value of money that a person has is being able to manage their finances well. In addition, good money management will protect a person from possible difficulties that occur. The purpose of this study is to determine the effect of financial literacy and financial socialization on the financial management behavior of investors in the Greater Bekasi area after the Covid-19 pandemic. This study uses a quantitative approach and data sources from distributing questionnaires to all investors in the Greater Bekasi area as many as 100 respondents to determine the impact of financial literacy and financial socialization on the financial management behavior of investors in the Greater Bekasi area after the Covid-19 pandemic. With the help of the SmartPLS software program and testing the outer model and inner model, data analysis was carried out using the SEM method. The results of this study indicate that financial literacy and financial socialization have an influence on financial management behavior, with P-values of 0.000 and 0.093, respectively
Analisis Kualitatif Anggaran Harga Pokok Produksi terhadap Efisiensi Biaya Operasional PT Indofood Sukses Makmur Tbk Agustiana, Aditiya; Putri, Tutut Mutiara; Nurvianti, Rizki Amallia; Utami, Laela Dwi; Syahwildan, Muhamad
IKRAITH-EKONOMIKA Vol. 8 No. 2 (2025): IKRAITH-EKONOMIKA Vol 8 No 2 Juli 2025
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Efisiensi biaya menjadi salah satu fokus penting dalam keberlangsungan industri manufaktur. Salah satu komponennya adalah pengelolaan anggaran harga pokok produksi (HPP) yang tepat. Penelitian ini bertujuan untuk memahami bagaimana penganggaran HPP diterapkan di PT Indofood Sukses Makmur Tbk dan dampaknya terhadap efisiensi biaya operasional. Pendekatan penelitian yang digunakan adalah kualitatif deskriptif, dengan teknik pengumpulan data berupa studi literatur dan analisis laporan keuangan perusahaan selama periode 2022 hingga 2024. Peneliti menelaah dokumen berupa laporan tahunan, laporan laba rugi, serta informasi produksi untuk mengkaji kesesuaian antara rencana anggaran dan realisasi biaya. Temuan menunjukkan bahwa penganggaran HPP yang efektif dapat membantu perusahaan mengenali potensi pemborosan serta meningkatkan akurasi dalam perencanaan biaya produksi. Kebaruan dari penelitian ini terletak pada pendekatannya yang fokus pada evaluasi anggaran berbasis dokumen aktual dari perusahaan skala besar. Penelitian ini juga memberikan gambaran tentang pentingnya pengendalian biaya yang terstruktur sebagai fondasi pengambilan keputusan strategis jangka panjang di sektor manufaktur.
The Influence of Financial Literacy, Self-Efficacy, and Coping Strategies on Students' Finances Syahwildan, Muhamad; Hidayah, Zulfa Zakiatul
Ilomata International Journal of Tax and Accounting Vol. 5 No. 1 (2024): January 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijtc.v5i1.1056

Abstract

Students with financial behavior that tends to be consumptive have a negative impact on financial behavior, new experiences as students and employees with limited income and various expenses must be able to be managed properly to be able to produce good financial behavior. This study aims to determine the effect of financial literacy on financial management behavior and to analyze the psychological effect of Self-Efficacy and Self-Coping on financial management behavior of undergraduate students in the management study program at Pelita Bangsa University. The research method used is quantitative with data sources taken by distributing questionnaires. Sampling used is by simple random sampling method. The population in this study were all students of the management study program in 2022 with a total of 4995, with a sample of 98 respondents obtained from the Slovin formula. The results of the research tested with SmartPLS 3.0 show that financial literacy, self-efficacy, and self-coping have a significant effect on financial behavior.
Analysis of the Effect of Perceived Product Quality on Retail Purchase Intention: The Mediating Role of Consumer Trust and Price Sensitivity Moderation Religia, Yoga; Ramawati, Yussi; Syahwildan, Muhamad
Applied Information System and Management (AISM) Vol. 7 No. 1 (2024): Applied Information System and Management (AISM)
Publisher : Depart. of Information Systems, FST, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aism.v7i1.33914

Abstract

Small informal retailers play a crucial role in the local economy, with consumer purchase intentions being the backbone of their sustainability. The purpose of this research is to explore the relationship between perceived product quality, consumer trust, and price sensitivity to purchase intention among small retailers. This research data was obtained from Mendeley data in the form of subsistence retail consumer data consisting of 281 respondents. The analysis was carried out using SmartPLS because it can be used as a measuring tool in SEM analysis more easily, quickly and efficiently. The test results show that perceived product quality has a significant positive effect on purchase intention. Positively perceived product quality makes a strong impression on consumers, increasing their trust in the retailer. However, low consumer confidence in retailers can result in decreased purchase intentions due to uncertainty and doubts about the quality of the products or services offered. In addition, price sensitivity also moderates the relationship between perceived product quality and purchase intention. This research provides insight into the interrelationships between perceived product quality, consumer trust, price sensitivity, and purchase intention in the context of informal small retailers, which can enrich marketing theories related to consumer behavior and purchasing decisions.
Tantangan dan Peluang Pasar Modal Indonesia dalam Meningkatkan Minat Investasi di Era Digital Rohyati, Rohyati; Rokhmah, Farakh Putri Nur; Syazeedah, Haudli Nurfitrah Uskytia; Fitriyaningrum, Rista Indah; Ramadhan, Gilang; Syahwildan, Muhamad
Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Juli 2024
Publisher : PT Seval Literindo Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57141/kompeten.v3i1.133

Abstract

Pasar modal Indonesia mengalami transformasi signifikan seiring dengan perkembangan teknologi digital. Penelitian ini membahas tantangan dan peluang yang dihadapi oleh pasar modal Indonesia dalam meningkatkan minat investasi di era digital. Tantangan utama meliputi kurangnya literasi keuangan di kalangan masyarakat, keamanan siber, dan regulasi yang belum sepenuhnya mengakomodasi inovasi teknologi. Di sisi lain, peluang yang muncul mencakup peningkatan aksesibilitas informasi, kemudahan transaksi melalui platform digital, dan potensi partisipasi lebih luas dari investor ritel. Melalui analisis literatur dan data empiris, penelitian ini mengevaluasi bagaimana integrasi teknologi dapat memperkuat daya tarik pasar modal Indonesia. Temuan menunjukkan bahwa upaya kolaboratif antara regulator, pelaku industri, dan edukasi publik diperlukan untuk mengoptimalkan manfaat era digital dan mengatasi tantangan yang ada. Dengan demikian, pasar modal Indonesia memiliki potensi untuk menjadi lebih inklusif dan efisien, menarik lebih banyak investor dan mendukung pertumbuhan ekonomi nasional.
Co-Authors Abdul Latif Abel Nabila Abi Alpa Rijki Ade Faisal Ade Setiawan Ade Setiawan Ade Syahrozi Afifah Sanu Tarigan Agustiana, Aditiya Aladawiyah, Robiah Aldi Bagas Almas, Nova Fadhillah Alviah, Oktaviana Ambarokah, Siti Andini, Mida Andrieta Shintia Dewi Anggraeni, Annisa Wulan Angin, Lorry Br Perangin Anjani, Nayla Fitri Arbai Nugroho, Banu Arifin, Rhenald Bayu Ardhi Arum, Syifa Aulia Asep, Putri Mega Septiyani Asri Utami Aulia, Zaskia Debi Awaldy, Riva Pasa Azhar, Alfiyyah Badriyah, Amanda Laelatul Chyntia Novita Br Simangunsong Claudia Rahakbauw, Cindy Damayanti, Tri Damayanti Darussalam, Maharani Putri Daspar Daspar Dewi Pangi Layla Azhari Dian Rachmawati Afandi Dika Febrianto Dinanti, Nanda Pricilia Dara Dwiyanti , Senyy Amelia Edwin Najib Hidayat Elsa Septianti, Listiara Elsye Fatmawati Endah Yulita Anggraeni Erin Soleha Etty Zuliawati Zed Fahamsyah, Mohammad Hatta Fairuzy, Fakhri Ramdhani Fajrinur, Muhamad Fatimah Ratu Shafwan Fatma Riyana Fiqih Maria Rabiatul Hariroh Fitriyaningrum, Rista Indah Galih thoriq murdianto Gilang Ramadhan Gunawan, Andrean Syah Hafiz, Sultan Maulana Hariroh, Fiqih Maria Rabiatul Hidayah, Zulfa Zakiatul Hikmah, Ayu Nur Imas Purnamasari Indra Permana Indra Setiawan Indra Setiawan Ira Restu Kurnia Irma Damayanti Iroqi, Zaenal Isarianto Isarianto Kartika, Yuniar Ayu Kemala, Dewi Kenju, Rifa Naila Meiliani Manoppo Khaerul Imam Mubaroq Kirono, Catur Sasi Kuwat Riyanto Lailatul Mubarokah Leli nofentri hulu Lisa Permatasari Lutvia Nida MA, Khomisah Manalu, Didi Andrianus Mandasari, Pratika Intan Masykur Arief Subagya Maulita, Aprilia Nifatul Mega Lenita Purnama Meidita, Silvie Aulia Meilani Safitri Mikhael David James Sirait Mikhael Devid James Sirait Moehamad Satiadarma Mubarok, Akhmad Yasir Muhamad Aminudin Muhamad Ekhsan Muhammad Alhadad Muhammad Iqbal Alamsyah Muhammad Isra Muhammad Ridwan Irawan Mukhlis, Septian Munajad , Ali Murdianto, Galih Thoriq Mutiara Zahra Bilqis Nafa Nur Malasari Nahampun Widia Pratama Nahampun, Padly Naufal Adriradwa Neti Budiwati Noviantika, Fitria Nugroho, Andrianto Prasetya Nugroho, Arif Widodo Nurpribadi, Giri Nurvianti, Rizki Amallia Okta Kurniati Padly Nahampun Parulian Parulian Parulian, Parulian Prasetyo Hari Sandi prasetyo, galih adi Pratiwi, Rizka Estisia Prayitno, Sagita Putri Pupung Purnamasari Purnomo, Budi Supriatono Putri, Cantik Ustika Putri, Icha Septiani Putri, Tutut Mutiara Rafifah, Najla Rahmawati, Resty Raid Fakhri Muhtaram Ramawati, Yussi Rhenald Bayu Ardhi Arifin Rihadatul’aisy , Risya Aulia Rika Sahara Rimadyna k Ririn Wulandari Robiah Aladawiyah Rohyati, Rohyati Rokhmah, Farakh Putri Nur S, Masykur Arief Saeful Sidiq, Muhamad Salsabila, Aida Salsabila, Intan Tiara Ayu Septiani, Putri Amelia Setiawan, Bangkit Shafwan, Fatimah Ratu Siahaan, Alpiner Marhuson Sihombing, Chandra Alexander Silalahi, Julius Tulus Denis Simamora Desi Anna Sari Simangunsong, Jonatan Sintia Wardani.H Siswanto Siti Barkah Siti Kholipah Siti Rohana Siti Usmaliyah Soliha, Ira Suhendra Suhendra Sulistiawati, Nika Sunita Dasman Suwandi Suwandi Syazeedah, Haudli Nurfitrah Uskytia Tamsiya, Marina Anasta Tan, Emmelia Tara, Intani Nur Aidah Tarigan, Afifah Sanu Tri Damayanti Tri Damayanti, Tri Tutiek Indriani Utami, Laela Dwi Wahyudi, Rizky Dimas WIDIASTUTI - Windi Rahmawati Wini Nur Optaviani Yoga Religia Zakiatul Hidayah, Zulfa Zulfa Zakiatul Hidayah