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All Journal Jurnal EK dan BI Jurnal Administrasi Bisnis (J-Adbis)
Darkiman Ruminta
UBSI
Economics, Econometrics & Finance Social Sciences

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PENGARUH LITERASI DAN INKLUSI KEUANGAN TERHADAP PENGGUNAAN FINTECH GOPAY PADA KARYAWAN WANITA SWASTA DI KOTA JAKARTA Darkiman Ruminta; Dwi Oktaviani
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 1 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i1.1263

Abstract

The Indonesian government will continue to encourage financial literacy and financial inclusion to achieve the Financial Inclusion Index goal of 90 percent by 2024. Therefore, the role of financial services needs to be optimized to expand access for people who still lack financial literacy. In the future, women will be the economic drivers who dominate spending in the world. This is because women have many important roles in their lives, starting with their role in the family as mothers to their role in society as woman entrepreneurs. The aim of the research is to determine: (1) The influence of financial literacy on the use of financial technology (GoPay). (2) The influence of financial inclusion on the use of financial technology (GoPay). (3) The influence of financial literacy and financial inclusion on the use of financial technology (GoPay). This research uses quantitative methods with a sample of 100 female private employees in the DKI Jakarta area who have used or have used GoPay as a payment system. Calculation, processing and presentation of data using statistical tests assisted by using the Jeffrey's Amazing Statistics Program (JASP). Based on the research results, it is known that financial literacy and financial inclusion have a positive influence on the use of GoPay financial technology among female private employees in the city of Jakarta. This is also supported by the results of the determinant coefficient test (r2) where it is known that financial technology can be explained by financial literacy and financial inclusion by 61.4% while the other 38.6% is explained by variables outside the research. Even though the percentage level of financial technology variance is quite high, researchers hope that in future research they can use other variables not mentioned in the research, and use more samples to get results that are more representative of the population size.
Analisis Kinerja PT Pupuk Indonesia (Persero) Sebagai Holding Company Sektor Pupuk Di Indonesia Darkiman Ruminta
Jurnal Administrasi Bisnis Vol. 1 No. 2 (2021): November 2021
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/jab.v1i2.838

Abstract

Salah satu tantangan bagi PT Pupuk Indonesia (Persero) sebagai Holding Company sektor pupuk di Indonesia adalah peningkatan kinerja dan efisiensi perusahaan. Tujuan penelitian ini adalah menganalisis rasio kinerja perusahaan dalam dimensi keuangan dan operasional perusahaan. Metode penelitian ini adalah mixed-methode yaitu gabungan dari analisa kualitatif dan kuantitatif. Analisa kualitatif menggunakan metode deskripstif kualitatif untuk melihat kondisi umum perusahaan dari laporan tahunan dan laporan keuangan yang dipublikasikan kepada masyarakat. Analisa kuantitatif dengan statistic non parametric untuk menghitung analisa kinerja atau rasio keuangan. Hasil penelitian menunjukan bahwa PT Pupuk Indonesia selaku Holding Company memiliki kinerja keuangan dan operasional perusahaan cukup baik selama periode tahun 2016-2020. Karena perusahaan masih menghasilkan laba perusahaan di tengah biaya/beban pokok penjualan yang semakin besar. Selain itu perusahaan juga masih mampu memenuhi tugas yang dibebankan oleh pemerintah untuk memproduksi pupuk dan non pupuk dengan jumlah yang cukup dan menyalurkan pupuk PSO/subsidi kepada petani sesuai dengan permintaan jumlah pupuk subsidi dari pemerintah.
Co-Authors Dwi Oktaviani