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Journal : Jurnal Ilmiah Edunomika (JIE)

PENGARUH BALANCED SCORECARD, LEVERAGE, DAN INTELLECTUAL CAPITAL TERHADAP KINERJA KEUANGAN (Studi Kasus pada Perusahaan Perbankan yang Terdaftar di BEI Periode 2021-2024) Widiatmoko, Dellen Adelya; Yuli Tri Cahyono
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i2.17333

Abstract

Financial performance assessment is used to measure management effectiveness in improving business performance and achieving strategic goals. Factors that affect financial performance include the balanced scorecard (BSC), leverage, and intellectual capital (IC). BSC helps overcome the limitations of financial-based measurement by offering a strategic framework that includes nonfinancial aspects and is supported by information technology. Leverage refers to the utilization of debt to increase profits, but excessive use can increase the risk of bankruptcy. Meanwhile, IC includes employee knowledge and skills that become a competitive advantage, although its measurement is still not widely standardized. The purpose of this study is to analyze the effect of balanced scorecard, leverage, and intellectual capital on financial performance. The method used in this research is quantitative method. The results of this study are Balanced Scorecard affects financial performance while, Leverage and Intellectual Capital have no effect on financial performance.
PENGARUH BRAND IMAGE, VIRAL MARKETING, DAN BRAND TRUST TERHADAP KEPUTUSAN PENGGUNAAN APLIKASI FINTECH (Studi Kasus pada Mahasiswa Universitas Muhammadiyah Surakarta) Sekar Ade Dyah Wirawati; Yuli Tri Cahyono
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i2.17450

Abstract

In the industry 4.0 era, digital wallets and financial technology (fintech) are growing rapidly and are supported by government regulations, especially OJK. A positive brand image strengthens the perception of reliability and security of the app, while viral marketing leverages the power of social media to expand reach and increase brand awareness. On the other hand, brand trust is a key determinant in building consumer loyalty because it involves data security and transaction convenience. The integration of these three aspects is considered important for fintech app managers to attract, retain, and increase user loyalty in a competitive market. This study aims to analyze the effect of brand image, viral marketing, brand trust on the decision to use fintech aplication. This study uses quantitative research methods. The results of this study are viral marketing and brand trust affect the decision to use the fintech application while Image has not.