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All Journal Journal of Applied Management Studies Ganec Swara
I Wayan Budi Artha
Universitas Triatma Mulya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH PERMODALAN, KUALITAS KREDIT, LIKUIDITAS DAN EFFISIENSI TERHADAP PROFITABILITAS DAN KEBIJAKAN DIVIDEN SERTA IMPLIKASINYA TERHADAP KAPITALISASI PASAR BANK KBMI 4 I Wayan Budi Artha; Ni Luh Sili Antari
Journal of Applied Management Studies Vol. 4 No. 2 (2023): Journal of Applied Management Studies
Publisher : Universitas Triatma Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51713/jamms.v4i2.83

Abstract

The purpose of this study is to analyze and prove empirically the effect of capital, credit quality, liquidity and efficiency on profitability and dividend policy and their implications for market capitalization in bank groups based on core capital 4 (KBMI 4). The research period is 10 years 2013 – 2022, with the sampling technique being saturated sampling, that is, all members of the bank population included in KBMI 4 are used as samples. The results showed that the profitability of the KBMI 4 bank was influenced by credit quality, liquidity and efficiency, while the dividend policy was influenced by capital, asset quality and efficiency. Both profitability and dividend policy have a positive and significant effect on market capitalization. Profitability and dividend policy should be maintained and improved so that market capitalization growth increases and investor confidence is maintained.
PENGARUH BEBAN KERJA DAN WORK LIFE BALANCE TERHADAP KINERJA PEGAWAI MELALUI JOB BURNOUT PADA BIRO SDM POLDA BALI I Ketut Mustika; I Made Agus Rai Perbawa; I Wayan Budi Artha
Journal of Applied Management Studies Vol. 5 No. 1 (2023): Journal of Applied Management Studies
Publisher : Universitas Triatma Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51713/jamms.v5i1.104

Abstract

Management of human resources in an organization is an important aspect, because HR will have a positive impact on organizational development. This study aims to determine and analyze the effect of workload and work life balance on employee performance through job burnout. This research was conducted at the Biro SDM Polda Bali. The population in this study were all employees of the Bali Police HR Bureau with a total of 88 employees. The sample used is the census method so that the entire population is used as a sample. Collecting data using questionnaires. The data analysis technique used is SEM-PLS. The results of this study indicate that workload has a negative and significant effect on employee performance. Work life balance has a positive effect on employee performance. Job burnout has a negative and significant effect on employee performance. Workload has a positive and significant effect on job burnout. Work life balance has a negative and significant effect on job burnout. Job burnout is able to mediate the effect of workload on employee performance. Job burnout is able to mediate the effect of work life balance on employee performance.
PELUANG DAN TANTANGAN FINTECH LENDING DALAM EKOSISTEM KEUANGAN GLOBAL: SYSTEMATIC LITERATURE REVIEW: Opportunities And Challenges Of Fintech Lending In The Global Financial Ecosystem: A Systematic Literature Review I Wayan Budi Artha; Ni Luh Sili Antari; I Putu Santika
Ganec Swara Vol. 20 No. 2 (2026): Juni 2026
Publisher : Yayasan Al-Amin Qalbu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59896/gara.v20i2.707

Abstract

Fintech lending has become a significant innovation that is transforming the global financial system by improving access to credit, operational efficiency, and financial inclusion. This study aims to identify the opportunities and challenges of fintech lending within the global financial ecosystem using a Systematic Literature Review (SLR) approach on 45 scientific articles published between 2017 and 2025. The analysis was conducted through thematic classification to identify key patterns, opportunities, challenges, and implications for future research. The results indicate that the primary opportunities for fintech lending lie in the growth of the digital ecosystem and the enhancement of financial inclusion, particularly for groups underserved by traditional financial institutions. The use of technologies such as artificial intelligence (AI), big data, and automation has proven to improve the accuracy of credit risk assessment, operational efficiency, and service scalability. Additionally, collaboration between fintech and traditional financial institutions strengthens the integration of digital financial systems. However, fintech lending also faces challenges, particularly regarding credit risk management, data security, consumer protection, and dynamic regulations. Information asymmetry and algorithmic bias risks can affect system stability. This study concludes that fintech lending has great potential to enhance financial inclusion, but requires adaptive regulation, effective risk management, and responsible technology integration to ensure the sustainability of the digital financial ecosystem.
Co-Authors Antari, Ni Luh Sili I Ketut Mustika I Made Agus Rai Perbawa I Putu Santika