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Analisa Pembiayaan Fintech terhadap Kinerja UMKM pada UMKM di Kota Palembang Muhammad Ilham Fakhirin; Isni Andriana; Kemas Muhammad Husni Thamrin
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (880.728 KB) | DOI: 10.47467/alkharaj.v5i5.2005

Abstract

ABSTRACT. This study aims to understand and analyze the influence of fintech financing on the performance of MSME’s in Palembang City. The population in this study is all MSME’s in the city of Palembang which amounts to 163,291 units. Sampling in research using nonprobability sampling techniques with purposive sampling and snowball sampling approaches. The study used a sample of 50 respondents. The analytical technique in this study is descriptive analysis using simple regression. The results of this study are that fintech financing has a significant effect on the performance of MSME’s in a positive direction. This means that the use of fintech as a source of support for micro, small and medium enterprises will improve their business performance. Keyword: fintech financing, MSME’s performance, finance ABSTRAK. Penelitian ini bertujuan untuk memahami dan menganalisis pengaruh pembiayaan fintech terhadap kinerja UMKM di Kota Palembang. Populasi dalam penelitian ini yaitu seluruh UMKM yang ada di kota Palembang yang berjumlah 163.291 unit. Pengambilan sampel didalam penelitian menggunakan teknik nonprobability sampling dengan pendekatan purposive sampling dan snowball sampling. Penelitian ini menggunakan jumlah sampel sebanyak 50 responden. Teknik analisis dalam penelitian ini adalah analisis deskriptif dengan menggunakan regresi sederhana. Hasil pada penelitian ini yaitu pembiayaan fintech berpengaruh signifikan terhadap kinerja UMKM dengan arah positif. Artinya penggunaan fintech sebagai sumber pembiyaan bagi usaha mikro, kecil dan menengah akan meningkatkan kinerja usaha mereka. Kata kunci: pembiayaan fintech, kineja UMKM, keuangan
Pengaruh Literasi Keuangan dan Perilaku Keuangan Terhadap Manajemen Pengelolaan Keuangan pada Sales Elektronik di Palembang Mentari Khikhim; Isni Andriana; Kemas Muhammad Husni Thamrin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7377

Abstract

This study aims to analyze the effect of financial literacy and financial behavior on financial management in electronic sales in Palembang. This study uses a quantitative approach with data collection techniques through questionnaires. The sample in this study is 100 electronic sales in Palembang using random sampling techniques. The data analysis technique in this study uses multiple linear regression analysis. The research data was processed using the Statisfical Product and Service Solutions (SPSS) program. The results of the study show that financial literacy and financial behavior have a positive and significant effect on financial management on electronic sales in Palembang.
The influence of perceived organizational support, compensation, and workload on turnover intention among millennial employees in the sales department of pt. Toyota auto 2000 Novriananda, Novriananda; Badia Perizade; Kemas Muhammad Husni Thamrin
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

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

Abstract

This research aims to examine the influence of perceived organizational support, compensation, and workload on turnover intention at PT. Auto2000. Data collection was carried out by distributing questionnaires to sales employees of PT. Auto2000 Palembang. The population in this study consists of all employees of PT. Auto2000, totaling 175 employees. The sampling technique used is saturated sampling with a total of 75 sales employees of PT. Auto2000 as respondents. Data analysis using multiple linear regression analysis. The results of the analysis in this study indicate that perceived organizational support and compensation have a negative and significant influence on turnover intention, while workload has a positive influence on turnover intention. The researcher suggests that the company should improve compensation for sales employees so that they feel more valued and are less likely to choose turnover. For future research, it is recommended to analyze specifically the causes of turnover in specific departments or positions within an organization.
The Influence of Good Corporate Governance, Risk Management, and Company Size on Financial Performance in the Banking Sector Listed on the Indonesia Stock Exchange Siti Meirini Dwi Ningsih; Muizzuddin; Kemas Muhammad Husni Thamrin
International Journal of Economics Accounting and Management Vol. 2 No. 4 (2025): IJEAM - November 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v2i4.1693

Abstract

This study aims to analyze the partial and simultaneous influence of Good Corporate Governance (GCG), Risk Management, and Company Size on Financial Performance (Return on Assets/ROA) in 47 banking companies listed on the Indonesia Stock Exchange (IDX) for the 2022-2024 period. The main issue is the inconsistency of banks' financial performance amidst the challenges of digitalization and rampant governance cases, which reinforces the urgency of implementing effective GCG and risk management. The method used is Panel Data Regression analysis with a Random Effects model, which meets the classical assumptions (Normality, Multicollinearity, Autocorrelation, and Heteroscedasticity). The F-test results indicate that GCG, Risk Management, and Company Size simultaneously have a significant effect on Financial Performance with an R2 value of 33.26%. Partially, the variables Independent Commissioners, Audit Committee, Non-Performing Loans (NPL), BOPO, and Company Size were found to have a significant effect on ROA. Meanwhile, Institutional Ownership, Managerial Ownership, and Net Interest Margin (NIM) did not have a significant impact. The conclusion confirms that strengthening GCG mechanisms (Independent Commissioners and Audit Committees), credit risk control (NPL), operational efficiency (BOPO), and utilizing economies of scale (Company Size) are key factors in increasing bank profitability in Indonesia.