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Journal : Journal La Bisecoman

Analysis of the Development of Online Loans and Gen Z Opinions in Makassar City in the Era of Digital Capitalism Sugianto, Sugianto; Hasriani, Hasriani; Islami, Muhammad Mitsal; Noor, Randi Mauna
Journal La Bisecoman Vol. 6 No. 1 (2025): Journal La Bisecoman
Publisher : Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journallabisecoman.v6i1.1835

Abstract

In its development, online loans have become the choice of many people to meet their needs. This is due to the ease and speed of the process. However, this gives rise to new problems, namely the large number of online loan services that are not registered or illegal, so that their existence is very detrimental to people who make loans, because the loans are carried out by providing unreasonable interest charges. Carrying out a descriptive economic analysis of the development of crime which occurred due to illegal lending in Makassar City in 2023-2024, Analyzing the factors that influence GEN Z to take online loans. The method used in this research is quantitative and qualitative research or what is usually called Mix Method. The results of this research are that the growth of online loan companies is increasing every year, but for those registered with the OJK it is decreasing, the development of online loan crime is increasing rapidly, this can be seen from the number of complaints to the OJK and the news circulating, Lifestyle factors have no significant influence on loans. Online, the Need Factor has a positive and significant effect on Online Loans, Access to Financial Institutions has a positive and significant effect on Online Loans. research.
The Effect of Financial Leverage on Earnings Per Share and Return on Equity: JEL Classification: G21, G32, M41, C12, G33 Hasriani, Hasriani; Sugianto, Sugianto; Nursyamsuriana, Nursyamsuriana; Sutriana, Sutriana; Mauna, Randy; Jumriani, Jumriani
Journal La Bisecoman Vol. 6 No. 4 (2025): Journal La Bisecoman
Publisher : Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journallabisecoman.v6i4.2654

Abstract

This study aims to analyze the effect of financial leverage on earnings per share (EPS) and return on equity (ROE) in the banking sector of State-Owned Enterprises (SOEs) listed on the Indonesia Stock Exchange (IDX) from 2020-2024. Financial leverage is measured using the debt-to-equity ratio, while EPS and ROE are used as indicators of the company's financial performance. The research method used is quantitative with an ex post facto approach, utilizing secondary data obtained from annual financial reports for the 2020-2025 period. Data analysis was conducted using a simple linear regression test to measure the relationship and effect of financial leverage on EPS and ROE. The results show that financial leverage has a significant and negative effect on EPS in SOE banking companies listed on the Indonesia Stock Exchange (IDX). This indicates that loan interest expenses erode net income per share, thereby reducing shareholder welfare, and that the debt financing structure is not offset by increased interest income or operational efficiency. Financial leverage does not have a significant and positive effect on ROE in SOE banking companies listed on the IDX, indicating that banking management is able to maintain equity profitability despite increases or decreases in leverage levels.
Co-Authors Abd. Raziq Abdul Azis Abdul Wahab Abdullah, Wahyuddin Abu, Ardillah Adam Adam Ahmad Ahmad Ahmad Sukarna Syahrir, Ahmad Sukarna Ahmad, Andi Ahyuna Ahyuna, Ahyuna Akbar, Alfian Akip, Baso Alhabsyi, Firdiansyah Ali, Ayu Hidayanti Allo, Karmila Pare Amelia, Kiki Resqy Andi Hadidu Andi Mappatompo Andi Urfia Awaliah Anggraeny, Riny Anita, Nur Antong Antong, Antong Arianti, Sulfia Arie Arma Arsyad Arwan Wiratman Arwati, Sitti Asma Asma Asma Bio Kimestri Asrijal Asrijal, Asrijal Assiddiq, Muhammad Astriana Napirah Aulia Aulia Az Zahra, Fatimah Azis Azis, Azis Baderiah Baderiah Baderiah Baderiah, Baderiah Baehaqi Baharuddin Rahman Bahtiar, Akbar Baso Pallawagau Bungawati Bungawati, Bungawati Bunyamin Butsiarah Dani Rachman, Suci Rahma Dayanti, Dayanti DEWI SARTIKA Djamro, Risnayanti Andi Eka Sartika, Eka Erna, Angdy Erwin Eka Saputra Fadlil Yani Ainusyamsi Faizal Faizal, Faizal Farid, Muh. Farida Febriati fatliani, nurul fatliani Fattah, Muhammad Arifin Fauzan, Muhammad Miftah Firman Aziz Fitrahwati, Fitrahwati Fitri S Kasim Hairawati, Hairawati Hamjah Abdul Malik Hapid Hapid, Hapid Hariyadi, Hariyadi Hasdi, Hananda Suprizka Hasnawati Hasnawati Hasni Hasni Heni Pujiastuti Herlina, Besse Herlinda Herlinda, Herlinda Hiyahara, Irfan Ashari Hudain, Muh. Adnan Husni Nasir Ibrahim, Irianto inda, nur Irmawati Irmawati Iskandar Iskandar Islami, Muhammad Mitsal Joseph Tumiwa Juliastrid, Ayu Jumriani, Jumriani Kamaruddin, Ilham Karyani, Syntha Esterlita Kasdianti, Eka kasifah Khadijah, Nany Khairat, UL Kunda, Asri Kurniawan, Ahmad Kusumawardhani, Anggun L, Kasmawati Lianti, Nur Maemuna Muhayyang Mahmud, Ramli Mansyur Mansyur Mashuri, Saepudin Masitah Masitah MAULIDIYAH, NUR Mauna, Randy Mayaputri, Velmi Maysara, Maysara Michael Octavianus Mira Mirnawati Muchtar, Hasriani MUDAIM MUDAIM, MUDAIM Mudarsep, Mudarsep Muh. Rafiy, Muh. Muhammad Ikbal Muhammad Saleh Muhammadiah Muhammadiah, Muhammadiah N. Samani, Moh. Israwan Niar, Niar Nirmalarumsari, Chrecencya Nirwana, Nirwana Noor, Randi Mauna Noor, Randy Mauna Novia Arini, Ketut Nurasia Munir Nurdiansah, Nurdiansah Nurdin, Rizal Nurfadilah Maulana S. Nurfaedah Nurfaedah, Nurfaedah Nurfasiha Nurhapsah, Nurhapsa Nurhudaya, Nurhudaya Nurmalasari Nurmalasari Nursyamsuriana, Nursyamsuriana Nurul Handayani Nuur, Khaerun Nisa OKTA MAHENDRA, OKTA Pagisi, Eva Warta I Parawu, Hafiz Elfiansyah Patang Patang, Patang Pettalongi, Adawiyah Primawardani, Astried Thaliana Purbaningsih, Yuli Raden Mohamad Herdian Bhakti Rahmad Risan Rahman, Baharuddin Rahmawati, Rahmawati Ramly, Ramly Raoda, Rihlah Ayu Ratna Ratna Ratnawati Ratnawati Renaldi, Muh Reni Fatmasari Syafruddin, Reni Fatmasari Riani Riani, Riani Rina Rina Riska, Andi Besse Lia Rizal S, Muh. Romadhoni, Buyung Rosdianah, Rosdianah Rosma Rosma, Rosma RR. Ella Evrita Hestiandari Rumallang, Ardi Ruslang, Ruslang Rusli Badaruddin Rustan, Edhy Ryan Rayhana Sofyan, Ryan Rayhana Sabir Ahmad, Sabir Sadullah, Irmawati Safitri, Annisa Sahrul Sahrul Saibun Sitorus Sakaria Sakaria Sakaria, Maulid Sampara, Nurqalbi Sangkota, Megawaty sapoding, Ilham nur Saputra, Ahmad Rizki Selvi Selvi Shafariana Shafariana Shinta, Lara Sidney Sidiq, Alif Muhammad Sigit, Ananda Sirajuddin Sirajuddin Sitti Aminah Soleha Soleha Solly Aryza Sri Mardiyati Sri Wahyuni Suardi, Suardi Sugeng Santoso Sugianto Sugianto Sukmayani, Sukmayani Sukriming Sappareng Sulastriningsih Djumingin Sulfiah, Sulfiah Sultan Sultan Sumarni Sumarni Suryani Suryani Suryani Suryani Sutriana, Sutriana Syafruddin Syafruddin Syamsiar, Syamsiar Syariani, Syariani Syarif, Irwan T, Husain Tamsir, Nurlindasari Tasripin, Mellysa Wulandari Thabrani R, Thabrani R Udin Hamim Utami, Indah Febrianti Virginia, Chrisma Vitaloka, Widya W Soetikno, Y Johny W, Muhammad Fahreza Wabdillah Wabdillah, Wabdillah Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wardah Wardah Waru, Tenri Wijayanti, Tuti Wiratman, Arwan YANTO YANTO Yasdin, Yasdin Yuliana Yuliana Yunida, Fera Yunus, Ashar Yusmirah, Yusmirah Yuyun, Yuyun