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Financial Technology dan Kredit Bank Umum Konvensional di Indonesia Sahdan Saputra; Stevany Hanalyna Dethan; Ridha Nurul Hayati; Baiq Rabiatu Adawiyah Kartika Wulan
Target : Jurnal Manajemen Bisnis Vol 4 No 2 (2022)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/target.v4i2.2650

This study analyzes the impact of FinTech on the number of conventional commercial bank loans in Indonesia. This study used a sample of 40 conventional commercial banks in Indonesia listed on the Indonesia Stock Exchange for the 2016-2021 period. The number of observations in the study was 240. FinTech is measured using P2P Lending and FinTech companies are measured using the growth period of FinTech companies. The results of the research based on the regression test using the Fixed effects model, this study proves that P2P lending and the growth of FinTech companies have a positive and significant effect on the amount of lending to Conventional Commercial Banks in Indonesia. This means that the greater the P2P lending disbursed by FinTech companies and the higher the growth of FinTech companies, it will have an impact on increasing the number of conventional commercial bank loans in Indonesia. One of the important variables not examined in this study is payments made online. Therefore, further research can expand research with the same theme by presenting online payment variables.

FINTECH, PROFITABILITAS DAN EFISIENSI BANK UMUM KONVENSIONAL DI INDONESIA Sahdan Saputra; Rina Komala; R. Ayu Ida Aryani
JURNAL AKUNTANSI DAN SISTEM INFORMASI Vol 4 No 2 (2023): JURNAL AKUNTANSI DAN SISTEM INFORMASI
Publisher : Program Studi Akuntansi Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jaksi.v4i2.5523

Tujuan penelitian ini adalah menganalisis dampak financial technology (FinTech) terhadap profitabilitas bank dan peran efisiensi bank dalam memitigasi dampak FinTech terhadap profitabilitas. Sampel sebanyak 40 bank umum tradisional yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2016-2021 digunakan untuk penelitian ini. Dalam analisis ini, FinTech diukur dengan volume transaksi pinjaman P2P yang dilakukan oleh perusahaan FinTech, profitabilitas diukur dengan return on equity (ROA), dan efisiensi perbankan diukur dengan net interest margin (NIM). Hasil penelitian menunjukkan bahwa FinTech berpengaruh negatif dan signifikan terhadap profitabilitas. Selain itu, penelitian ini menunjukkan bahwa efisiensi bank memitigasi dampak negatif FinTech terhadap profitabilitas bank. Hasil penelitian ini menunjukkan bahwa tingkat efisiensi bank berperan strategis dalam meredam dampak FinTech sebagai pesaing yang dapat menurunkan profitabilitas bank.

Meningkatkan Kemampuan Basic Grammar (Personal Pronoun) Menggunakan Metode menciptakan Lirik Lagu Rosidah Alawiyah; Wiya Suktiningsih; Nur Alfilail; Wiwik Wida Farwati; Sahdan Saputra
Jurnal Pengabdian Kepada Masyarakat IPTEKS Vol. 1 No. 2 (2024)
Publisher : Rajawali media Utama

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

This study aims to enhance English grammar learning among high school students by utilizing songs as an educational tool. The study addresses the issues of low motivation and the challenges students face in learning English grammar, often attributed to monotonous and non-contextual teaching methods. Conducted at SMAN 1 Gerung, West Lombok Regency, this community service activity involved a team of lecturers from Bumigora University. The methodology comprised planning, implementation, and evaluation phases. During the implementation stage, learning materials were presented using PowerPoint, followed by creating song lyrics from the studied sentences. Evaluations revealed improved student understanding of basic grammar, a more enjoyable learning environment, and increased motivation. These findings suggest that incorporating songs into grammar instruction can enhance learning effectiveness and boost student motivation.

Meningkatkan Kemampuan Basic Grammar (Personal Pronoun) Menggunakan Metode menciptakan Lirik Lagu Rosidah Alawiyah; Wiya Suktiningsih; Nur Alfilail; Wiwik Wida Farwati; Sahdan Saputra
Jurnal Pengabdian kepada Masyarakat IPTEKS Vol. 1 No. 2 (2024)
Publisher : Rajawali Media Utama

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

This study aims to enhance English grammar learning among high school students by utilizing songs as an educational tool. The study addresses the issues of low motivation and the challenges students face in learning English grammar, often attributed to monotonous and non-contextual teaching methods. Conducted at SMAN 1 Gerung, West Lombok Regency, this community service activity involved a team of lecturers from Bumigora University. The methodology comprised planning, implementation, and evaluation phases. During the implementation stage, learning materials were presented using PowerPoint, followed by creating song lyrics from the studied sentences. Evaluations revealed improved student understanding of basic grammar, a more enjoyable learning environment, and increased motivation. These findings suggest that incorporating songs into grammar instruction can enhance learning effectiveness and boost student motivation.

Pelatihan Pengolahan Data Statistik Dengan Eviews Pada Mahasiswa Manajemen Universitas Bumigora Sahdan Saputra; Heri Sopian Hadi
Jurnal Pengabdian kepada Masyarakat IPTEKS Vol. 1 No. 2 (2024)
Publisher : Rajawali Media Utama

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

The EViews program training aims to enhance the quality of scientific work by management students at Bumigora University through mastering statistical data analysis. This community service activity is structured, including preparation, implementation, and evaluation stages. The preparation phase involves identifying participants' needs, developing the curriculum, and preparing training materials. During implementation, participants receive a basic understanding of statistical theory, demonstrations on using EViews, and hands-on practice with relevant case studies. Evaluation is conducted to assess participants' knowledge and skills through tests, project assessments, and feedback collection. The evaluation results indicate that the training successfully improved participants' ability to use EViews for data analysis, positively impacting the quality of their scientific work. Feedback from participants also suggests that the training is relevant to their academic needs and highly beneficial in overcoming challenges in statistical data processing. In conclusion, this EViews training effectively enhances students' competence in statistical data analysis and is expected to be implemented continuously to support students' academic and research activities in the future.

Investor Sentiment, Market Volatility, and IPO Initial Returns Soeroto, Wisudanto Mas; Saputra, Sahdan; Arifin, Vanesa Aristanti; Hasina, Zahwaril; Putri, Tri Veny
Jurnal Keuangan dan Perbankan Vol 25, No 4 (2021): October 2021
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v25i4.6119

This research seeks to determine the impact of investor sentiment and market volatility on IPO initial return when an issuer conducts an Initial Public Offering (IPO). This research lasted ten years, from 2009 to 2020, with a total issuer of 237 conducting Initial Public Offerings (IPOs) on the Indonesia Stock Exchange. The total number of issuers conducting an initial public offering (IPO) met the purposive sampling criteria is 285. Multiple linear regression analysis, with control variables such as Gap of Days, Firm Age, IPO Size, and Firm Size, is used to determine the effect of Investor Sentiment and Market Volatility on IPO Initial Returns. The findings showed that Investor Sentiment and Market Volatility positively affected the IPO Initial Return during the study period. This research aims to increase investor awareness of the importance of IPO stock price, increasing the initial return in the future. In Indonesia, Otoritas Jasa Keuangan (OJK) plays a critical role in policies that facilitate Indonesian investors' monitoring of the volatility of stock price changes in the market.JEL: M2, M21

AKUNTANSI RUMAH TANGGA: IMPLEMENTASI LAPORAN KEUANGAN SEBAGAI INFORMASI YANG BERGUNA UNTUK PENGAMBILAN KEPUTUSAN EKONOMIS PADA SISWI MA TARBIYATUL MUSTAFID 2024 Ihyani, Layali; Mubin, Miftahul; Marswandi, Ega Dwi Putri; Marlina, Febria Nurmelia; Saputra, Sahdan; Aryani, R. Ayu Ida
Jurnal Pepadu Vol 5 No 4 (2024): Jurnal PEPADU
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/pepadu.v5i4.5801

Tujuan dari kegiatan pelatihan dan pengabdian pada masyarakat ini adalah dapat meningkatkan pemahaman serta penerapan dari penggunaan laporan keuangan sebagai dasar informasi dalam pengambilan keputusan ekonomis sehari-hari dalam rumah tangga keluarga khususnya pada siswi Madrasah Aliyah Tarbiyatul Mustafid. Materi pelatihan terdiri dari materi terkait konsep dasar akuntansi serta contoh praktek penggunaan dalam kehidupan sehari-hari dengan memanfaatkan aplikasi excel dalam penyusunan laporan keuangan yang berfokus pada laporan keuangan laba rugi. Kegiatan ini dilaksanakan pada hari Ahad, tanggal 17 November tahun 2024 di Gedung Madrasah Aliyah Tarbiyatul Mustaifd Batu Rimpang, Desa Badrain, Kecamatan Narmada, Kabupaten Lombok Barat. Hasil pelatihan menunjukkan bahwa peserta memiliki literasi akuntansi dasar, baik dari siklus akuntansi yaitu Pencatatan Transaksi ke dalam ayat Jurnal, kemudian memposting ke dalam Buku Besar, penyusunan Neraca Saldo, Penyesuaian, Kertas Kerja, hingga penyususnan Laporan Keuangan dengan menggunakan aplikasi excel. Serta, hasil dari proses penyusunan laporan keuangan dapat dijadikan bahan informasi yang berguna bagi para peserta dalam proses pengambilan keputusan ekonomis dalam kehidupan sehari-hari dalam keluarga.

Dampak Komitmen Organisasi Terhadap Ketepatan Waktu Pelaporan Keuangan: Peran Sistem Akuntansi Keuangan Daerah Sebagai Variabel Moderasi Ihyani, Layali; Saputra, Sahdan; Mubin, Miftahul; Marlina, Febria Nurmelia; Marswandi, Ega Dwi Putri
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol. 10 No. 4 (2024): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jseh.v10i4.677

This study aims to determine the effect of Organizational Commitment on Timeliness of Financial Reporting with the Regional Financial Accounting System as Moderation. This research is a correlational quantitative study with a sample size of 90 respondents at the Regional Apparatus Organization of the West Nusa Tenggara Provincial Government. The data analysis method uses moderated regression analysis (MRA). The results stated that organizational commitment affects the timeliness of financial reporting significantly positively. However, the regional financial accounting system does not interact with organizational commitment to affect the timeliness of financial reporting. This is an input for stakeholders in terms of financial reporting both at the provincial and central levels.

FINTECH, PROFITABILITAS DAN EFISIENSI BANK UMUM KONVENSIONAL DI INDONESIA Saputra, Sahdan; Komala, Rina; Aryani, R. Ayu Ida
JURNAL AKUNTANSI DAN SISTEM INFORMASI Vol 4 No 2 (2023): Edisi Juni 2023
Publisher : Program Studi Akuntansi Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jaksi.v4i2.5523

Tujuan penelitian ini adalah menganalisis dampak financial technology (FinTech) terhadap profitabilitas bank dan peran efisiensi bank dalam memitigasi dampak FinTech terhadap profitabilitas. Sampel sebanyak 40 bank umum tradisional yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2016-2021 digunakan untuk penelitian ini. Dalam analisis ini, FinTech diukur dengan volume transaksi pinjaman P2P yang dilakukan oleh perusahaan FinTech, profitabilitas diukur dengan return on equity (ROA), dan efisiensi perbankan diukur dengan net interest margin (NIM). Hasil penelitian menunjukkan bahwa FinTech berpengaruh negatif dan signifikan terhadap profitabilitas. Selain itu, penelitian ini menunjukkan bahwa efisiensi bank memitigasi dampak negatif FinTech terhadap profitabilitas bank. Hasil penelitian ini menunjukkan bahwa tingkat efisiensi bank berperan strategis dalam meredam dampak FinTech sebagai pesaing yang dapat menurunkan profitabilitas bank.

Sosialisasi Hukum Tentang Dampak Pernikahan Usia Dini Terhadap Tingkat Perceraian Dimasa Pandemi Covid 19 di Lombok, NTB opan, opansatriamandala; Zubaedi; Sakti, Lanang; Saputra, Sahdan; Hayati, Ridha Nurul; Aprianto, Dedi
Al-Madani: Jurnal Pengabdian Pada MAsyarakat Vol 1 No 2 (2022): Desember: Al-Madani (Jurnal Pengabdian Pada Masyarakat)
Publisher : Institut Agama Islam Hamzanwadi NW Pancor

The number of early marriages in Indonesia has increased dramatically during the Covid-19 pandemic even though the law in Indonesia has regulated the minimum age limit for marriage is 19 years, as stipulated in Law Number 16 of 2019 concerning Amendments to Law Number 1 of 1974. Someone who marries below the limit This age is classified as early marriage. Early marriage is a marriage that is carried out legally by a man or woman who has not had the preparation and maturity so that it is feared that they will experience a number of big risks. This big risk will even be an influence in terms of health during childbirth. This service aims to increase knowledge, understanding and awareness about the factors that lead to early marriage and the impact of early marriage on divorce rates during Covid 19. This service uses the Normative Law method. The approach used is a statutory approach, a conceptual approach and a historical approach. Based on the results of this service, it shows that the factors that cause early marriage are education, family economy, avoiding pregnancies outside of marriage, social media, school closures and the Covid 19 factor and the impact of early marriage on the divorce rate during the Covid 19 era is marriage. Early childhood has a number of negative impacts, especially for women, such as reproductive health and the economy. However, the number actually increased in Indonesia during the Covid-19 pandemic. The number of women marry early correlates with divorce.

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