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All Journal Kompak : Jurnal Ilmiah Komputerisasi Akuntansi E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Journal of Applied Islamic Economics and Finance JURNAL AKUNTANSI DAN BISNIS Jurnal Manajemen Informatika & Teknologi JURNAL ILMIAH SAINS TEKNOLOGI DAN INFORMASI Seminar Nasional Teknologi dan Multidisiplin Ilmu
Vivi Kumalasari Subroto
Universitas Sains Dan Teknologi Komputer
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Social Sciences

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Desain dan Implementasi Sistem Informasi Akuntansi Berbasis Web untuk Analisis Kesehatan Keuangan Bank Wakaf Mikro Menggunakan Metode CAMEL Eni Endaryati; Sukemi Kamto Sudibyo; Vivi Kumalasari Subroto; Siti Kholifah
Jurnal Manajemen Informatika & Teknologi Vol. 6 No. 1 (2026): Mei : Jurnal Manajemen Informatika & Teknologi
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/mifortekh.v6i1.1268

Abstract

The development of information technology encourages Islamic microfinance institutions to improve the effectiveness and transparency of financial management through digital information systems. However, Micro Waqf Banks still face problems in transaction management and financial reporting due to manual and unintegrated recording processes. This study aims to develop a web-based Accounting Information System integrated with the CAMEL method to support the financial health analysis of Micro Waqf Banks. The study uses a Research and Development (R&D) approach with a Waterfall model that includes needs analysis, design, implementation, testing, and system maintenance. The CAMEL method is used through the aspects of Capital, Asset Quality, Management, Earnings, and Liquidity. The results show that the system is able to improve the effectiveness of financial data management, accelerate report preparation, reduce recording errors, and produce an automatic financial health analysis. The validation results obtained a score of 3.5 from academic validators and 3.6 from practitioners with a very valid category. This study contributes to the integration of web-based accounting information systems and the CAMEL method in Islamic microfinance institutions.
Pengaruh Financial Technology dan Literasi Keuangan terhadap Perilaku Keuangan pada Generasi Z di Kota Semarang Tri Tafrijiyyah; Vivi Kumalasari Subroto
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 19 No 1 (2026): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v19i1.3456

Abstract

The rapid development of financial technology, combined with varying levels of financial literacy, is a crucial factor influencing the financial behavior of Generation Z. This study aims to examine the effect of financial technology and financial literacy on the financial behavior of Generation Z in Semarang City. A quantitative approach was employed, using a survey method involving 397 Generation Z respondents selected through purposive sampling. Data were collected via questionnaires and analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that financial technology and financial literacy have a positive and significant effect on the financial behavior of Generation Z in Semarang City. These findings suggest that the utilization of technology-based financial services, supported by adequate financial literacy, contributes to fostering more responsible financial behavior. Therefore, efforts to enhance financial literacy and the proper use of financial technology should continue to be promoted among Generation Z.
Co-Authors Desi Setyaratna Sari Didik Darmadi ENI ENDARYATI Hendri Rasminto Irdha Yunianto Jarot Dian Susatyono Kusumajaya, Robby Andika Siti Kholifah Sukemi Kamto Sudibyo Tiara Putie Purwitasari Tri Tafrijiyyah Tripuspitorini, Fifi Afiyanti