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All Journal SELODANG MAYANG MANKEU (JURNAL MANAJEMEN KEUANGAN) AMNESIA (JURNAL MANAJEMEN SUMBER DAYA MANUSIA)
MUHAMMAD FAUZAN
UNIVERSITAS ISLAM INDRAGIRI
Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Nursing Public Health Social Sciences Transportation Other

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ANALYSIS OF THE FINANCIAL PERFORMANCE OF THE INSURANCE COMPANY BINA DANA ARTA TBK IN THE ERA OF DIGITALIZATION Nurazizah; Raju Maulana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 4 No. 1 (2026): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v4i1.318

Abstract

This study aims to analyze the financial performance of PT Asuransi Bina Dana Arta Tbk in the era of digitalization by using liquidity ratio and profitability ratio. This study uses a quantitative descriptive method with secondary data in the form of the company's financial statements for 2023 and 2024. The data analysis technique is carried out through the calculation of financial ratios consisting of Current Ratio, Cash Ratio, Return on Assets (ROA), and Return on Equity (ROE). The results of the study show that the company's financial performance has declined from 2023 to 2024. In terms of liquidity, the Current Ratio decreased from 9.96 to 2.43, while the Cash Ratio decreased from 6.92 to 0.38. This condition shows that the company's ability to meet short-term obligations is still quite good, but the availability of cash has decreased significantly. In terms of profitability, ROA decreased from 0.94% to -1.28%, while ROE decreased from 1.60% to -2.30%. This shows that the company has not been able to optimize its assets and equity to generate profits. Thus, the financial performance of PT Asuransi Bina Dana Arta Tbk in the digitalization era still needs to be improved, especially through cash management, operational efficiency, burden control, and the use of digital technology more effectively.
THE INFLUENCE OF FINANCIAL BEHAVIOR ON THE DECISION TO SAVING IN FORMAL FINANCIAL INSTITUTIONS (CASE STUDY OF THE SANGLAR VILLAGE COMMUNITY, RETEH DISTRICT, INDRAGIRI HILIR REGENCY) Ahmad Baidhowi; Muhammad Fauzan; Raju Maulana
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 4 No. 1 (2026): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v4i1.321

Abstract

This study aims to analyze and determine the influence of financial behavior on savings decisions in formal financial institutions among the people of Sanglar Village, Reteh District, Indragiri Hilir Regency. The research method used is a quantitative approach with a survey method. The research sample consisted of 50 respondents taken from the population of Sanglar Village of 6,182 people using indicator-based observation techniques. Data were collected through a questionnaire with a Likert scale and analyzed using SmartPLS 3.2.9 software. Testing was carried out through evaluation of the outer model (validity and reliability) and the inner model (hypothesis testing). The results showed that financial behavior has a positive and significant influence on savings decisions in Sanglar Village. This is evidenced by a beta coefficient value of 4.657 and a significance value (p-value) of 0.000 (<0.05). The financial behavior variable contributed 23.8% of the influence on savings decisions, while the rest was influenced by other variables outside this study. These findings indicate that the better an individual's ability to manage income, financial planning, and spending control, the higher their tendency to save in formal financial institutions.
PERAN KOMUNIKASI INTERPERSONAL DALAM MENINGKATKAN KOLABORASI TIM DI KANTOR DINAS PARIWISATA KABUPATEN INDRAGIRI HILIR Desmawini Desmawini; Muhammad Fauzan; Muchlis Muchlis
AMNESIA (JURNAL MANAJEMEN SUMBER DAYA MANUSIA) Vol. 4 No. 2 (2026): AMNESIA (Jurnal Manajemen Sumber Daya Manusia)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/amnesia.v4i2.314

Abstract

Penelitian ini bertujuan untuk menganalisis peran komunikasi interpersonal dalam meningkatkan kolaborasi tim di Kantor Dinas Pariwisata Kabupaten Indragiri Hilir. Dalam konteks organisasi publik yang memiliki karakteristik birokratis dan kompleks, komunikasi interpersonal menjadi faktor penting dalam menciptakan koordinasi kerja yang efektif. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi terhadap pegawai yang terlibat dalam kerja tim. Hasil penelitian menunjukkan bahwa komunikasi interpersonal memiliki peran yang signifikan dalam meningkatkan kolaborasi tim. Hal ini ditandai dengan adanya keterbukaan, empati, dukungan, sikap positif, serta kesetaraan dalam interaksi antarpegawai. Komunikasi yang efektif mampu meningkatkan koordinasi, memperjelas pembagian tugas, serta mengurangi potensi kesalahpahaman dalam pelaksanaan pekerjaan. Selain itu, komunikasi interpersonal juga berperan dalam membangun kepercayaan dan menciptakan hubungan kerja yang harmonis, sehingga mendorong terciptanya kerja sama tim yang lebih solid. Dengan demikian, komunikasi interpersonal tidak hanya berfungsi sebagai sarana penyampaian informasi, tetapi juga sebagai mekanisme strategis dalam meningkatkan kolaborasi tim dan efektivitas kinerja organisasi publik
PENGARUH KOMPETENSI APARATUR DESA TERHADAP KUALITAS PELAYANAN PUBLIK DENGAN PEMANFAATAN TEKNOLOGI INFORMASI SEBAGAI VARIABEL MEDIASI PADA PEMERINTAH DESA KERTA JAYA Peni Yusisca; Muhammad Fauzan; Widyawati Widyawati
AMNESIA (JURNAL MANAJEMEN SUMBER DAYA MANUSIA) Vol. 4 No. 2 (2026): AMNESIA (Jurnal Manajemen Sumber Daya Manusia)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/amnesia.v4i2.316

Abstract

With the use of IT as a moderating variable, this research seeks to ascertain the relationship between the competency of village officials and the quality of public services in Kerta Jaya Village Government. With an explanatory study type, this research takes a quantitative technique. Using a total sampling approach, 36 respondents were selected from the population of all officials engaged in the provision of public services in Kerta Jaya Village. Multiple linear regression analysis was used to examine the data gathered from Likert-scale surveys. The findings indicate that, at least in part, the level of public service quality is unrelated to the level of competence of village officials. This suggests that the study's village authorities' competency has not been able to significantly improve the community's service quality. The quality of public services is positively and significantly impacted by information technology, nevertheless. Thus, it stands to reason that service quality improves in correlation with the degree of information technology adoption. On the other hand, service quality is greatly impacted by both the proficiency of village authorities and the state of information technology. This shows that the use of technology in conjunction with the competency of officials is a key component in enhancing the standard of public services.
ANALYSIS OF THE FINANCIAL PERFORMANCE OF TEKULAI BUGIS VILLAGE USING THE RATIO OF INDEPENDENCE, GROWTH AND EFFECTIVENESS Yulia Citra; Raju Maulana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 4 No. 1 (2026): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v4i1.324

Abstract

This study aims to analyze the financial performance of Tekulai Bugis Village, Tanah Merah District, Indragiri Hilir Regency based on the independence ratio, effectiveness ratio, and growth ratio. The research method used is quantitative descriptive with an approach to analyze financial ratios to the realization data of the Village Revenue and Expenditure Budget (APBDes) for 2024–2025. Data was obtained through documentation of village financial statements which were then analyzed using the calculation of the ratio of independence, effectiveness, and growth. The results show that the ratio of village financial independence is in the very low category, which is 0.02% in 2024 and increases to 0.03% in 2025, which indicates the high dependence of villages on transfer funds from the central and regional governments. The effectiveness ratio shows effective performance with an achievement of 100% in 2024 and 2025, which means that the realization of Village Original Income (PADes) has been in accordance with the set target. Meanwhile, the PADes growth ratio shows a positive trend, namely 170.07% in 2024 and 21.62% in 2025, although nominally it is still relatively small. In conclusion, the financial performance of Tekulai Bugis Village shows good effectiveness in achieving revenue targets, but the level of financial independence is still very low so that the village is still dependent on transfer funds. It is necessary to optimize the potential of Village Original Income (PADes) to increase village fiscal independence.
ANALYSIS OF FINANCIAL MANAGEMENT AND CHALLENGES OF HOUSEHOLD UMKM IN KEMUNING MUDA VILLAGE Mardiana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 2 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i2.191

Abstract

This study aims to describe the real conditions of household businesses in Kemuning Muda Village, Indragiri Hilir Regency. The study was conducted on three household-scale MSME actors, namely producers of tempeh chips, baked cakes, and instant rendang spices. This study used a qualitative descriptive method through semi-structured interviews and direct observation. The results of the study showed that the three business actors faced similar obstacles, including limited capital, local marketing, and the absence of planned business management. There was no business recording system or separation of household and business finances, which made business sustainability difficult. This study can be a basis for designing village MSME empowerment strategies that are in accordance with real needs in the field.
REFLECTION ON THE MINIMALIST LIFESTYLE AND ITS INFLUENCE ON MENTAL HEALTH AND FINANCIAL STABILITY: A STUDY AUTO ETHNOGRAPHYPOST-PANDEMIC STUDENTS Lilis Karlina; Mardiana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 2 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i2.216

Abstract

This research is a study auto ethnography. This article reflects the author's personal experience as a post-pandemic student facing the increasing consumer pressures brought on by the development of social media. In a digital era that promotes instant, aesthetic, and viral lifestyles, students find themselves caught in a vortex of social standards shaped by algorithms and digital imagery. Through a reflective narrative, the author illustrates how choosing a minimalist lifestyle is not only a financial decision but also a strategy for maintaining mental health. This research confirms that impulsive consumption often stems from emotional impulses and digital social pressures, rather than real needs. Therefore, contextual consumption literacy is needed that can equip the younger generation with awareness, resistance to visual influences, and the ability to organize life priorities. The results of this study are expected to contribute to the development of financial literacy and mental health based on real experiences.
REVIEW OF TYPES OF FINANCIAL TECHNOLOGY (FINTECH) IN INDONESIA: UNDERSTANDING SERVICES AND THEIR IMPACT Mardiana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.219

Abstract

This study aims to identify the various types of financial technology (fintech) operating in Indonesia and analyze their impact on financial inclusion. Utilizing literature review and secondary data analysis from reputable sources, the research reveals that a diverse range of fintech, including digital wallets, peer-to-peer lending, crowdfunding, digital banks, and market aggregators, has seen significant growth in Indonesia. Each fintech type offers unique services that enhance the accessibility of financial services for the public, particularly for underserved segments of the population. The findings indicate that digital wallets have become a popular choice for daily transactions, facilitating payments and enhancing user convenience. Peer-to-peer lending platforms provide crucial financing options for individuals and small businesses who may struggle to access traditional bank loans. Crowdfunding enables entrepreneurs to raise capital from a wide audience, fostering innovation and community support. Moreover, the study highlights the varying business models within the fintech landscape, which include transaction fees, interest income from loans, and partnerships with merchants. These models illustrate the adaptability of fintech solutions in responding to the evolving needs of consumers. By shedding light on the dynamics of the fintech industry and its role in promoting financial inclusion, this research contributes valuable insights for stakeholders, including policymakers, industry players, and consumers. The study underscores the importance of fostering a supportive regulatory framework to ensure sustainable growth and responsible innovation in the fintech sector in Indonesia.
ANALYSIS OF FINTECH PEER-TO-PEER (P2P) LENDING APPLICATIONS IN IMPROVING FINANCING ACCESS FOR MSMEs IN INDONESIA Lilis Karlina; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.220

Abstract

This study aims to analyze the role of peer-to-peer (P2P) lending fintech applications in improving access to financing for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Using qualitative methods, this study explores several leading fintech applications, including Modalku, Kredivo, Akseleran, and ALAMI Funding Syariah. The results show that these applications provide fast, easy, and transparent financing alternatives for MSMEs that often experience difficulties in obtaining capital from traditional financial institutions. Furthermore, this study identifies differences in business models, market segments, and the benefits and risks faced by users and investors. These findings are expected to provide insights for stakeholders, including the government, industry players, and the public, in efforts to increase financial inclusion in Indonesia. With a better understanding of P2P lending applications, it is hoped that a more inclusive and sustainable financial ecosystem can be created, contributing to national economic growth.
PUBLIC UNDERSTANDING OF THE USE OF FINTECH INVESTMENT APPLICATIONS INDODAX QUALITATIVE STUDY ON BEGINNER USERS Depita Permata Sari; M. Lutfi Ramdoni; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 2 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i2.233

Abstract

The development of financial technology (fintech) in Indonesia is encouraging presence Various digital investment platforms, including Indodax, are popular as a crypto asset trading app. Ease of access and potential profits attract novice users, but this is not always accompanied by an adequate understanding of app usage, crypto investment concepts, and risks and security. This study aims to determine novice users' understanding of the Indodax app. The study used a qualitative approach through in-depth interviews with informants selected using purposive sampling and analyzed using thematic analysis. The results indicate that novice users' understanding is still limited to basic transaction functions, while their understanding of advanced features, investment risks, and digital security remains low. This understanding is influenced by digital financial literacy, information sources, and perceived ease of use of the app, with the majority of users relying on social media rather than official sources. The study concludes that improving digital financial literacy and targeted education are essential for novice users to use fintech investment apps wisely and safely.
Co-Authors Agus Maulana Ahmad Baidhowi Ahmad Rifa'i Aremu Bashiru Asniati Bindas AYU LESTARI Depita Permata Sari Desca Wahyuni Desmawini Desmawini Dewi Fitriana Puji Lestari Dewi Dharmasetiawan Dharmasetiawan Edi Susanto Hairunisa Harbaim Septiadi Lilis Karlina M Sofyan Wardana M. Ilham Sapi’i M. Lutfi Ramdoni M. Rifani Mardiana Muchlis Muhammad Ghalih Novita Sari Nurazizah Nurkamizah Nurlela Nurlela Nurlian Susanti Peni Yusisca Radiah Radiah Raju Maulana Reno Regen Rio Rahamadi Riska Agustina Yanti Ros Ningsih S.M. Guntur Siti Hadijah Susanti Nadintia Syarifah Aisyah Vira mauliana Widyawati Widyawati Yaswar Aprilian Yulia Citra Yusriwarti Yusriwarti Zikrillah iky