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All Journal ETIKONOMI WARTA Jurnal Maneksi (Management Ekonomi Dan Akuntansi) KOLEGIAL : Jurnal Manajemen, Bisnis, dan Akuntansi Jurnal Pengabdian Pada Masyarakat JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen JMM (Jurnal Masyarakat Mandiri) SEIKO : Journal of Management & Business JIKA: Jurnal Ilmu Keuangan dan Perbankan Accounting and Management Journal Jurnal Manajemen Bisnis Eka Prasetya Jurnal Dharma Bhakti Ekuitas Jurnal Ekbis (Ekonomi & Bisnis) Warta LPM Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Inovasi Global
Dito Rinaldo, Dito
Sekolah Tinggi Ilmu Ekonomi Ekuitas
Agriculture, Biological Sciences & Forestry Humanities Astronomy Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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Dampak Penggunaan Pinjaman Online Terhadap Gaya Hidup Konsumtif Mahasiswa STIE Ekuitas Putri, Mellya; Oktovina, Reine; Oktovini, Reina; Lesmana, Indra; Rinaldo, Dito
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 4 (2023): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v12i4.1939

Abstract

One of the digital financial services offered by financial service providers commonly called fintech is online loans. With easy terms and conditions, online loans make it easier for people, including students, to borrow money online. This service can influence students' consumptive lifestyle. Students who want to borrow money to meet their needs can take advantage of this online loan application, which allows money to be disbursed immediately. Loan repayment is considered easy because it can be paid in installments with a certain interest depending on the period chosen. The aim of this research is to find out how the use of online loan applications impacts the consumptive behavior or lifestyle of STIE Equity students. Students who used loan applications were surveyed via questionnaires. The research results show that the average student uses online loan applications because of necessity and is tempted by offers such as interest and price discounts.
RISIKO KREDIT PERBANKAN INDONESIA SETELAH PANDEMI COVID-19 Vina Anggilia Puspita; Dito Rinaldo; Gunardi
Jurnal Ekbis (Ekonomi & Bisnis) Vol. 11 No. 2 (2023): Desember 2023
Publisher : POLITEKNIK PIKSI GANESHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56689/ekbis.v11i2.1230

Abstract

The objective of this research is to identify banking credit risk in Indonesia by examining three variables: Loan-to-Deposit Ratio (an independent variable), Non-Performing Loans (an intervening variable), and Return on Assets (a dependent variable). The sample size was forty-four banks that went public. The hypothesis-testing method employs path analysis. According to the research findings, banks that cut their Loan-to-Deposit Ratio (LDR) can reduce Non-Performing Loans (NPL) while increasing their Return on Assets (ROA). Meanwhile, statistical tests reveal that LDR has a negative but non-significant influence on Return on Assets, but NPL has a significant negative effect. Based on the study's findings, it can be concluded that credit risk remains high in the transition period following the COVID-19 epidemic, and banks must strengthen credit regulations to protect their capacity to earn profits. Furthermore, banks should develop digital-based service features to increase access and income.
Co-Authors Aji Putra Wibowo, Nurmanda Anarki, Rian Rambu Anjani, Gevira Lovia Augusto, Jordan binti Fatahul Ariffin, Hazelena Dewi Elvita Fujiyama Ruhiyat Gilang Fajar Fauzan Gunardi Hasbi, Dimas Maulana Indra Lesmana Indradewa, Rhian Ivan Diryana Maulana, Gea Amsal Mirza Hedismarlina Yuneline Muhammad Ripal Oktovina, Reine Oktovini, Reina Pakaya, Martin Ramadhan Purwasantika, Sonia Juliana Putra, Lingga Putra, Mochammad Radiva Dwi Putri, Mellya Rediawan Miharja Sari, Puteri Andika Sari, Wiendy Puspita Shelvy Aulya Yuniar Sri Wulandari Suhaedi Suhaedi, Suhaedi Suherman, Aji Mardiansyah Supriatna, Rizky Gustia Utami, Rima Dwi Vina Anggilia Puspita Vina Anggilia Puspita Vitasari Setyaputri, Bela Winda Rahayu