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Arifin, Agus Zainul
Tarumanagara University
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Transportation

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PENGARUH LITERASI, LIKUIDITAS DAN INKLUSI KEUANGAN TERHADAP KINERJA UMKM DENGAN DUKUNGAN PEMERINTAH SEBAGAI MEDIASI Andini, Deby; Arifin, Agus Zainul
Jurnal Serina Ekonomi dan Bisnis Vol 3 No 1 (2025): Februari 2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jseb.v3i1.35697

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, likuiditas keuangan, dan inklusi keuangan terhadap kinerja UMKM, dengan dukungan pemerintah sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data dari 264 responden yang merupakan pemilik UMKM di wilayah Jabodetabek. Analisis data dilakukan menggunakan Partial Least Squares (PLS) versi 4.0 untuk mengevaluasi model struktural dan hubungan antar variabel. Hasil penelitian menunjukkan bahwa literasi keuangan tidak memiliki pengaruh signifikan terhadap kinerja UMKM. Sebaliknya, likuiditas keuangan memiliki pengaruh positif dan signifikan terhadap kinerja UMKM, yang mengindikasikan bahwa kemampuan UMKM dalam menjaga likuiditas menjadi faktor penting untuk meningkatkan performa usaha. Sementara itu, inklusi keuangan tidak berpengaruh langsung terhadap kinerja UMKM, namun memiliki pengaruh positif terhadap dukungan pemerintah. Dukungan pemerintah terbukti memiliki pengaruh positif langsung terhadap kinerja UMKM, sekaligus berperan sebagai mediator signifikan antara inklusi keuangan dan kinerja UMKM. Penelitian ini menegaskan pentingnya peran pemerintah dalam mendukung kinerja UMKM melalui kebijakan yang memperluas akses layanan keuangan dan memberikan bantuan yang relevan. Temuan ini memberikan implikasi praktis bagi pengambil kebijakan dan pelaku usaha untuk memperkuat likuiditas, memanfaatkan dukungan pemerintah, dan mempromosikan inklusi keuangan guna memastikan keberlanjutan dan pertumbuhan UMKM secara berkelanjutan. This study aims to analyze the effect of financial literacy, financial liquidity, and financial inclusion on the performance of MSMEs, with government support as a mediating variable. The research adopts a quantitative approach, collecting data from 264 respondents who are MSME owners in the Greater Jakarta area (Jabodetabek). The data were analyzed using Partial Least Squares (PLS) version 4.0 to evaluate the structural model and variable relationships. The results show that financial literacy does not have a significant effect on MSME performance. On the other hand, financial liquidity has a positive and significant impact, indicating that the ability of MSMEs to maintain adequate liquidity is crucial for improving business performance. Financial inclusion does not directly affect MSME performance but has a positive impact on government support. Furthermore, government support has a positive and significant effect on MSME performance and serves as an effective mediator between financial inclusion and MSME performance. This study highlights the critical role of government support in enhancing MSME performance, particularly through policies that expand access to financial services and provide relevant assistance. The findings offer practical implications for policymakers and business practitioners, emphasizing the need to strengthen financial liquidity, optimize government support, and promote financial inclusion to ensure sustainable MSME development.
Financial Distress Analysis: Cigarette Companies on Idx, Pandemic & Excise Tax Impact (2019-2023) Lutfan, Ifan Muhamad; Wati, Lela Nurlela; Arifin, Agus Zainul
Journal of Management Economic and Financial Vol. 3 No. 4 (2025): Journal of Management, Economic and Financial
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jmef.v3i4.154

Abstract

This study aims to analyze the condition of financial distress in cigarette companies listed on the Indonesia Stock Exchange during the period 2019 to 2023, as well as identify the influence of external factors in the form of an increase in excise rates and the COVID-19 pandemic on the level of distress risk. The problem of financial distress is a crucial issue because the cigarette industry faces pressure from the perspective of fiscal regulations and the global health crisis that has an impact on the company's financial performance. This research method is quantitative with a descriptive and associative approach. The research sample consisted of four cigarette companies, namely PT HM Sampoerna Tbk (HMSP), PT Gudang Garam Tbk (GGRM), PT Wismilak Inti Makmur Tbk (WIIM), and PT Bentoel Internasional Investama Tbk (RMBA). The data used are secondary data in the form of annual financial statements, percentage increase in excise rates, and COVID-19 pandemic status as dummy variables. To measure financial distress, three predictive models are commonly used in the literature, namely: Altman Z-Score, Springate S-Score, and Zmijewski X-Score. Furthermore, a simple regression analysis was carried out to determine the influence of excise rates and the pandemic on distress scores. The results showed that HMSP and WIIM were consistently in a healthy financial condition according to all three models, while GGRM was volatile but relatively stable. In contrast, the RMBA shows a score that indicates a distressed condition almost every year. The Zmijewski model was shown to be the most sensitive in detecting distress compared to the other two models. Regression analysis revealed that the increase in excise rates and the COVID-19 pandemic had a significant effect on distress scores with negative directions in the Altman and Springate models, as well as positive directions (increased risks) in the Zmijewski model. The study concludes that external factors have a significant contribution to the risk of bankruptcy of cigarette companies, and it is important for company management, investors, and regulators to consider these factors in strategic decision-making. Predictive models can be used as an early detection tool against declining corporate financial health
COMPARATIVE STUDY ON THE FINANCIAL PERFORMANCE OF INDONESIAN COMMERCIAL BANKS DUE TO THE CORONA VIRUS OUTBREAK Natsir, Khairina; Arifin, Agus Zainul; Purwoto, Sutomo
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.727-735

Abstract

This study intended to find out the differences in banking in Indonesia before and during the Covid-19 pandemic. The population is commercial bank companies listed on the Indonesia Stock Exchange, while the samples selected by purposive technique. The CAMELS method is used to assess banking performance. The data used in this study comes from the 2019-2020 quarterly financial statements. Statistical test using SPSS with Paired T-Test or Wilcoxon Signed-rank Test. In addition, the MANOVA test is used to determine whether there are significant differences in overall banking performance. The findings of this study are the Capital (CAR) has a significant difference in the first quarter of 2019 and 2020, Asset Quality (NPL) proxied by NPL-gross ratio has a significant difference in the second and third quarters, and NPL-net ratio has a significant difference in the fourth quarter, Management Quality (BOPO) have significant differences in the first, second, and third quarters, Earning (ROA) has a significant difference in the second and third quarters, Liquidity (LDR) ratio has a significant difference in the third and fourth quarters. Meanwhile, From the results of the MANOVA test on the performance of commercial banks, overall there is no significant difference due to the corona virus outbreak in Indonesia
THE IMPACT OF IMPLEMENTING THE DIGITAL TECHNOLOGY INNOVATION ON BANKING PERFORMANCE IN INDONESIA Dharsono, Selvi; Arifin, Agus Zainul
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.310-316

Abstract

The purpose of this study is to obtain empirical evidence whether customer experience and customer satisfaction affect the financial performance of a bank for users digital banking in Indonesia. The number of samples in this study were 261 respondents. The criteria for respondents in this study are respondents who live in Jakarta, Bogor, Depok, Tangerang and Bekasi and respondents who are users of banking services digital banking. This study uses a non-probability sampling technique. Data collection techniques through questionnaires online. Data analysis using PLS-SEM. The result of the first research is that customer experience has a positive effect on financial performance. Second, customer satisfaction has a positive effect on financial performance.
THE IMPLEMENTATION OF TECHNOLOGY ACCEPTANCE MODEL IN ANALYZING ATTITUDES TOWARD THE ADOPTION OF FINTECH Natsir, Khairina; Arifin, Agus Zainul; Darmawan, Herie
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.386-400

Abstract

The intention of this study is to find empirical prooving regarding the relationship model of Perceived Risk, Perceived Ease-of-Use, and Perceived Usefulness against Attitudes Toward the Adoption of FinTech, by adopting the Technology Acceptance Model theoretical approach. The source of the data used is primary data derived from questionnaires which are distributed directly to respondents using a questionnaire with a Google Form format. Respondents are limited to users of banking services and marketplaces who are domiciled in Jakarta and its surroundings. Data were collected using non-probability sampling method. The instrument used is a structured questionnaire of 14 questions which are arranged based on indicators and dimensions derived from each variable. This study uses the multiple regression method with the support of the Smart PLS version 3. The finding of this study show that Perceived Risk, Perceived Ease-of-Use, and Perceived Usefulness have a positive effect on Attitudes Toward the Adoption of FinTech Services.
THE EFFECTS OF WORK FROM HOME AND FLEXIBLE WORKING ARRANGEMENT ON EMPLOYEE PERFORMANCE DURING COVID-19 PANDEMIC Arifin, Agus Zainul; Siswanto, Halim Putera; Kurniawan, Vincentius Kevin; Kristian, Michelle
International Journal of Application on Economics and Business Vol. 1 No. 4 (2023): November 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i4.2107-2122

Abstract

The purpose of this study was to analyze the effects Work from Home (WFH) and Flexible Working Arrangement (FWA), with Work Motivation (MOT) moderation, on Employee Performance (EP). The research is quantitative research. The type of research used based on the research objective is explanatory research. The data analysis technique in this study used Partial Least Square (PLS). This study uses the two-factor theory of Frederick Herzberg. The results obtained that Work from Home has a positive and significant effect on Employee Performance. Work from Home has a positive and significant effect on Work Motivation. Flexible Working Arrangement has a positive and significant effect on Work Motivation. Flexible Working Arrangement has a positive and significant effect on Employee Performance. Work Motivation has a positive and significant effect on Employee Performance. Work from Home, with Work Motivation intervention, does not have a positive and significant effect on Employee Performance. Meanwhile, Flexible Working Arrangement with Work Motivation intervention, also does not have a positive and significant effect on Employee Performance. Flexible working arrangements can be selected by employees based on different work schedules to meet personal or family needs. Companies can adjust work as the new normal for employees who are still working from home to return to full-time work on a hybrid basis. It is important for companies to understand and develop work from home and flexible working arrangements to encourage productive behavior and prevent unproductive behavior considering the role of work motivation in influencing performance.
FINANCIAL INCLUSION IN THE USE OF DIGITAL BANKING SERVICES IN JAKARTA Natsir, Khairina; Arifin, Agus Zainul; Ronald , Ronald
International Journal of Application on Economics and Business Vol. 1 No. 4 (2023): November 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i4.2477-2493

Abstract

Financial inclusion involves providing access to safe, convenient and affordable financial services for other disadvantaged and vulnerable groups, including low-income, rural and undocumented communities, who have been underserved or excluded from the formal financial sector. One of the services is provided by the bank to support the smooth and easy banking activities such as in transactions and other activities. This study aims to investigate and find empirical evidence about Financial Inclusion in the Use of Digital Banking Services in Jakarta. The population of this study is people who have digital banking mobile banking services who are already working and domiciled in DKI Jakarta, while the object of research is limited to Financial Knowledge, Financial Literacy, and Financial Inclusion. The sampling technique used purposive random sampling. The primary data is getting from questionnaire distributed and filled out by respondents. Data analysis was carried out using SmartPLS software, where two categories of tests were carried out, namely the outer and the inner model tests. The results show that Financial Knowledge influenced on Financial Literacy, Financial Literacy significantly influenced on Financial Inclusion, Financial Knowledge significantly influenced on Financial Inclusion, and Financial Literacy significantly enable to mediate the influence of Financial Knowledge on Financial Inclusion.
THE INFLUENCE OF FINANCIAL LITERACY, PERSONAL SALES, AND CONSUMER TRUST ON PRIVATE HEALTH INSURANCE PRODUCT PURCHASE DECISIONS Amalia, Egie; Arifin, Agus Zainul
International Journal of Application on Economics and Business Vol. 2 No. 1 (2024): February 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i1.2842-2851

Abstract

The definition of risk in insurance is the uncertainty of future events that can cause financial losses. With health insurance, these risks can be managed so as not to cause financial losses. However, in general, Indonesian people have not placed health insurance as a priority to fulfill the need for security. The purpose of this study is to verify the relationship between Financial Literacy, Personal Selling and Consumer Trust on Purchasing Decisions with two theoretical approaches Theory of Planned Behavior and Social Exchange Theory. The data source used is primary data, which is obtained directly from respondents using an online questionnaire in the form of Google Form. The data collected was 521 data. The results of the study prove that Financial Literacy, Personal Selling, and Consumer Trust have a positive effect on Purchasing Decisions. The originality of this research is that it is the first attempt to evaluate private health insurance customers in Indonesia using the Theory of Planned Behavior and Social Exchange Theory approaches in parallel.
THE INFLUENCE OF PERSONALITY TRAITS TO INVESTOR OVERCONFIDENCE BIAS Irena, Florencia; Arifin, Agus Zainul
International Journal of Application on Economics and Business Vol. 2 No. 1 (2024): February 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i1.3289-3298

Abstract

A stock investor tends to be a risk taker because stock investment has quite high risks with the possibility of producing high returns as well. Investors who are risk takers have quite high overconfidence behavior. They tend to be overconfident when predicting investment results. Factors that have an important role in investor overconfidence bias are personality traits. This research aims to verify the influence of personality traits on investor overconfidence bias. The personality traits in this research consist of neuroticism, extraversion, openness, and conscientiousness. This research is based on the Bounded Rationality Theory. The sample used was 497 data. Data is distributed using an online questionnaire. The analysis was tested with Partial Least Squares - Structural Equation Modeling (PLS-SEM). The research results show that neuroticism and conscientiousness have a positive effect on investor overconfidence bias, extraversion has no effect on investor overconfidence bias, and openness has a negative effect on investor overconfidence bias.
Perceived Benefits And Perceived Behavioral Control Toward Fintech Adoption Intention In Banking Products Marco, Michael; Arifin, Agus Zainul
JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i2.1794

Abstract

This study aims to verify the relationship between perceived benefits and perceived behavioral control on fintech adoption intention on banking products and services in Indonesia. This quantitative study uses the technology acceptance model (TAM) approach and the theory of planned behavior (TPB). The sampling technique uses purposive sampling, with a sample size of 545 respondents. The data source used is primary data. Data were collected by distributing questionnaires built using Google Forms and distributed through social media. The data analysis technique uses a structural equation model based on partial least squares (SEM-PLS) with the help of SmartPLS software. The study's results prove that perceived benefits and perceived behavioral control positively affect fintech adoption intention. This study can theoretically prove that the TAM and TPB theories can be applied together and explain the relationship between research variables. Practically, the TAM and TPB theories can be used together as a policy-making model for implementing fintech innovation in banking.
Co-Authors Amalia, Egie Andini, Deby Cale, Wolnough CINDY CINDY Darmawan, Herie Darryl, Darryl Devy, Devy Dharsono, Selvi Ekajaya, Bastian Fahrudin Fahrudin Florencia Irena, Florencia Harbert, Harbert Harrison, David Haryanto Tanuwijaya Ida Ayu Putu Sri Widnyani Indrayang, Prayogo Jamaluddin Majid Janet, Janet Khairina Natsir, Khairina Kristian, Michelle Kurniawan, Vincentius Kevin Lutfan, Ifan Muhamad Marco, Michael MN, Nuryasman Nainggolan, Christine Dewi Purwoto, Sutomo Ronald , Ronald Santoso, Sidi Sapari, Fransissco Nicolas Simanjuntak, Sri Ida Royani Siswanto, Halim Putera Subagio, Regan Sutrisno Wati, Lela Nurlaela Wijoyo, Fanny Yanuar Yanuar, Yanuar