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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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THE ROLE OF INSURTECH IN IMPROVING ACCESS TO DIGITAL INSURANCE SERVICES A STUDY ON THE QOALA APPLICATION Zikrillah iky; Vira mauliana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 4 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i4.257

Abstract

The development of digital technology is driving the transformation of insurance services through the emergence of Insurance Technology (InsurTech). This study aims to analyze the role of InsurTech in increasing access to digital insurance services through the Qoala application. The study used a qualitative approach with interview and observation methods. The results show that the Qoala application provides convenience, efficiency, and transparency in digital insurance services and increases public insurance inclusion. However, digital insurance literacy is still needed to minimize the risks of using digital services. Thus, InsurTech plays a crucial role in the modernization of insurance services in Indonesia.
TRANSFORMATION DIGITAL PAYMENT SYSTEMS AND CHANGES IN PUBLIC TRANSACTION BEHAVIOR A QUALITATIVE STUDY OF E-WALLETS AND QRIS IN TEMBILAHAN Harbaim Septiadi; Siti Hadijah; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 4 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i4.259

Abstract

The development of financial technology (fintech) has brought significant changes to the financial system, particularly in digital payment systems. Fintech innovations in the form of digital wallets (e-wallets) and the Quick Response Code Indonesian Standard (QRIS) have encouraged people to shift from cash-based transactions to more practical and efficient non-cash transactions. This transformation of the digital payment system not only impacts the technical aspects of transactions but also influences people's transaction behavior. This study aims to analyze how the transformation of the digital payment system through the use of e-wallets and QRIS influences changes in people's transaction behavior in Tembilahan. This study used a qualitative approach with data collection methods through interviews, observation, and documentation of e-wallet and QRIS users in Tembilahan. The results show that the use of e-wallets and QRIS provides convenience, speed, and flexibility in transactions, thus encouraging people to adopt digital payment systems in their daily lives. Changes in people's transaction behavior are reflected in the increasing frequency of digital payment use, changes in payment method preferences, and reduced dependence on cash. However, this study also found that people's digital literacy levels still vary, and some users still have concerns regarding transaction security and personal data protection. In the local context of Tembilahan, the transformation of the digital payment system is gradual and influenced by community habits, technology experience, and digital payment infrastructure support. This study concludes that e-wallets and QRIS play a strategic role in driving the transformation of the digital payment system and shaping changes in people's transaction behavior. The findings of this study are expected to serve as a reference for the government, digital payment service providers, and future researchers in developing an inclusive and sustainable digital payment system.
USE OF THE DANA DIGITAL WALLET APPLICATION AND ITS IMPACT ON PUBLIC LIFE Susanti Nadintia; M. Rifani; 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.v3i2.260

Abstract

The development of digital technology is driving changes in people's payment systems, one of which is through the use of digital wallets. This study aims to determine the use of the DANA digital wallet application and its impact on society. This study used a qualitative approach with data collection methods through interviews and observations of DANA application users. The results show that the use of the DANA application provides convenience in conducting financial transactions, increases time efficiency, and fosters public trust through the available security system. In addition, promo and cashback features influence people's consumption behavior, although they have the potential to encourage consumptive attitudes if not used wisely. The DANA digital wallet application also plays a role in increasing financial inclusion by providing wider access to financial services for the public. Thus, the use of the DANA application not only functions as a digital payment tool, but also has a social and economic impact on people's lives.
USER FINANCIAL LITERACY LEVEL TOWARDS KREDIVO P2P LENDING SERVICES Nurkamizah; Desca Wahyuni; 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

Abstract

The development of financial technology, particularly peer-to-peer (P2P) lending services in Indonesia, is experiencing rapid growth, one of which is through the Kredivo platform, which offers easy access to digital-based credit. However, this convenience also has the potential to create financial risks if not balanced with an adequate level of financial literacy among its users. This study aims to determine and analyze the level of financial literacy of users regarding the Kredivo P2P lending service using quantitative methods through a descriptive approach. Data were collected through questionnaires distributed to Kredivo users and analyzed based on indicators of financial knowledge, risk understanding, financial attitudes, and financial behavior. The results show that the level of financial literacy of Kredivo users is in the moderate category, indicating that users have a basic understanding of P2P lending products, but still have limitations in understanding long-term risks and managing payment obligations. Therefore, efforts are needed to improve financial literacy education from service providers and regulators to minimize financial risks and improve consumer protection.
THE AGILE HUMAN CAPITAL CONCEPT IN FINTECH FOR THE BABY BOOMER GENERATION Agus Maulana; Muhammad Fauzan; Edi Susanto; Aremu Bashiru; Muhammad Ghalih
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 3 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i3.263

Abstract

Financial literacy is an important aspect for students in managing personal finances effectively. This study was conducted at the Universitas Pendidikan Indonesia. The purpose of this study was to determine the level of literacy, perceptions of the importance of financial literacy, and the impact of financial literacy on the financial decision-making of students at the Faculty of Economics and Business Education, Universitas Pendidikan Indonesia. The research method used is a descriptive qualitative method. The data technique used was through a questionnaire involving 100 respondents. The results of the study showed that students at the Faculty of Economics and Business Education, Universitas Pendidikan Indonesia, have a good understanding of financial literacy, with 76% of respondents strongly agreeing that financial literacy is very important in their lives. In addition, students who have good financial literacy tend to be more organized in managing their finances, such as in recording income and expenses. This study provides insight into how financial literacy can help students avoid consumptive behavior and make wise financial decisions. Therefore, it is recommended that universities develop more structured educational programs to improve financial literacy among students.
A QUALITATIVE STUDY OF USER PERCEPTION OF THE SEABANK E-WALLET APPLICATION Riska Agustina Yanti; Hairunisa; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 3 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i3.266

Abstract

The development of financial technology has driven the increasing use of e-wallet applications as a means of non-cash transactions. One emerging digital wallet application is SeaBank, which offers convenience and speed in transactions. This study aims to analyze user perceptions of the SeaBank e-wallet application in terms of ease of use, security, and perceived benefits. This study used a qualitative method with a descriptive approach. Data collection techniques were carried out through in-depth interviews and observations of active SeaBank application users. Informants were selected using purposive sampling, taking into account user experience in using the application. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions. The results show that the majority of users have a positive perception of the SeaBank application, particularly regarding the ease of use of the interface and transaction efficiency. However, some users still have concerns regarding data security and system stability. This study is expected to contribute to application developers in improving service quality and serve as a reference for further research related to financial technology-based e-wallets..
THE IMPACT OF LOCAL REVENUE AND EXPENDITURES ON FINANCIAL PERFORMANCE IN RIAU PROVINCE 2022-2025 M. Ilham Sapi’i; Yusriwarti Yusriwarti; 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.v4i1.355

Abstract

This study analyzes the influence of Local Own-Source Revenue (PAD), Personal Expenditure, and Capital Expenditure on the Financial Performance of District/City Local Governments in Riau Province for the 2022-2025 period. The underlying phenomena are PAD growth reaching 70.05 percent but capital expenditure contracting by minus 26.07 percent, revenue realization only 86.7 percent of the target, operating expenditure dominance of 89.09 percent, and APBD deficits in five regencies. This study uses secondary data from 12 regencies or cities, resulting in 48 observations. Analysis includes descriptive statistics, classical assumption tests, multiple linear regression, t-test, F-test and coefficient of determination using SPSS Version 25. The results show that simultaneously the three variables have a significant effect on financial performance with a contribution of 26.6 percent. Partially, PAD has a significant negative effect (t = -2.799, sig. 0.008), personal expenditure has no significant effect (t = -0.130, sig. 0.897), while capital expenditure has a significant positive effect (t = 3.265, sig. 0.002). Local governments need to improve revenue and capital expenditure realization and streamline personnel expenditure.
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