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Understanding Financial Inclusion Through Fintech: A Qualitative Inquiry into the Role of Technology in Shaping Financial Landscapes Nanda, Sahabuddin; Yunus, Yana Ameliana
Golden Ratio of Finance Management Vol. 4 No. 1 (2024): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v4i1.428

Financial inclusion, propelled by the advent of financial technology (fintech), has become a focal point of research and policy discourse globally. This study aims to comprehensively examine the role of technology in shaping financial landscapes and fostering inclusive financial ecosystems. Employing a quantitative descriptive research approach, this study assesses fintech adoption across diverse demographic groups, identifies determinants influencing individuals' utilization of fintech-based financial services, examines the impact of fintech interventions on enhancing financial inclusion metrics, and explores the socio-economic implications of fintech-driven financial inclusion initiatives. Drawing upon a robust literature review, this research elucidates the transformative potential of fintech in expanding financial access and improving financial resilience among underserved populations. The findings underscore the importance of regulatory clarity, cybersecurity measures, and technological literacy in harnessing the full potential of fintech for inclusive economic development.

Exploring Sustainable Finance: A Qualitative Inquiry into Responsible Investment and ESG Risk Evaluation Yunus, Yana Ameliana; Nanda, Sahabuddin
Golden Ratio of Finance Management Vol. 4 No. 1 (2024): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v4i1.429

This research explores the landscape of sustainable finance, responsible investment, and ESG (Environmental, Social, and Governance) risk evaluation, aiming to understand their complexities and implications for financial markets and sustainability outcomes. Employing a qualitative research approach, the study conducts a comprehensive review and synthesis of existing literature, drawing insights from academic databases, journals, reports, and other relevant sources. The research design involves purposive sampling of literature based on relevance, rigor, credibility, and significance criteria. Data collection comprises systematic review and analysis of scholarly literature, while thematic analysis is employed for data interpretation. The findings underscore the growing recognition of ESG factors' importance in investment decision-making processes, driven by their materiality to financial performance and sustainability outcomes. Institutional investors play a pivotal role in mainstream adoption of responsible investment practices, driven by the acknowledgment of ESG factors' impact on investment risk and return profiles. However, methodological challenges related to ESG data quality, measurement, and comparability persist, hindering effective ESG integration and risk assessment. Regulatory initiatives like the United Nations Principles for Responsible Investment (PRI) and the Task Force on Climate-related Financial Disclosures (TCFD) have contributed to mainstreaming ESG considerations but face challenges of regulatory fragmentation and inconsistencies. Addressing these challenges requires collaborative efforts from stakeholders to develop standardized ESG reporting frameworks, enhance stakeholder engagement, and promote regulatory coherence. This study contributes to understanding sustainable finance dynamics and calls for interdisciplinary collaboration to bridge financial theory, sustainability science, and regulatory policy.

Implementation of Green Accounting and Sustainability Performance Critical Reflections, Challenges and Opportunities Haliding, Safri; Haerunnisa, Rosyada; Arsyad, Kamaruddin; Sakti, Muhammad Rizky Prima; Nanda, Sahabuddin
Jurnal Ilmiah Akuntansi Peradaban Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jiap.v10i2.51500

The growing awareness of environmental issues and the pressing need for sustainable development have led to significant changes in the corporate world. Traditional accounting practices are increasingly seen as insufficient for addressing the broader impacts of business activities on the environment and society. This study analyses the implementation of green accounting and sustainability performance in the business and decision-making of corporate activities and promote sustainability. The study also highlights the critical reflections of green accounting. The study find that the development of green accounting reflects a growing recognition of the need to incorporate environmental considerations into business operations and decision-making that it will be crucial for organizations to adopt best practices and address the barriers to successful implementation and its impact on sustainability performance that the critical aspects of green accounting is its ability to improve a company's sustainability performance such as government policies and regulations, plays a crucial role in ensuring the successful implementation of green accounting and its impact on environmental preservation.

Pengaruh Kinerja Keuangan dan Makro Ekonomi Terhadap Harga Saham Pada Sub-Sektor Perbankan Nanda, Sahabuddin; Lantara, Niniek; Arfah, Aryati; Arif, Muhammad; Ameliana, Yana
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.4943

Harga saham mempunyai nilai penting dan menjadi salah satu indikator keberhasilan bagi perusahaan. Perkembangan harga saham senantiasa menjadi obyek yang menarik untuk diproyeksi dan ditelaah. Penelitian ini bertujuan menguji pengaruh Likuiditas, Profitabilitas, Solvabilitas dan Inflasi terhadap Harga Saham pada sub-sektor Perbankan di Bursa Efek Indonesia periode 2017-2021. Populasi penelitian ini adalah Emiten pada Sub-Sektor Perbankan yang terdaftar di Bursa Efek Indonesia periode 2017-2021 yaitu sebanyak 42 perusahaan. Berdasarkan teknik purposive sampling didapatkan sampel sebanyak 9 perusahaan. Penelitian ini menggunakan metode dokumentasi yang didapat dari laporan keuangan yang dipublikasikan. Analisis data menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa secara simultan Kinerja Keuangan yang diukur dengan Return On Equity, Debt to Equity Ratio, Current Ratio dan Makro ekonomi yang diukur dengan Inflasi tidak berpengaruh signifikan terhadap harga saham pada sub-sektor perbankan yang terdaftar di Bursa Efek Indonesia periode 2017-2021. Sedangkan secara parsial Return On Equity dan Current Ratio tidak berpengaruh signifikan terhadap harga saham, sedangkan Debt to Equity Ratio berpengaruh positif signifikan terhadap harga saham dan Inflasi berpengaruh negatif signifikan terhadap harga saham pada sub-sektor perbankan yang terdaftar di Bursa Efek Indonesia periode 2017-2021. Kata Kunci: Harga Saham, Likuiditas, Profitabilitas, Solvabilitas, Inflasi

Pengaruh Kualitas Layanan Mobile Banking Terhadap Loyalitas Nasabah Pada PT. Bank Negara Indonesia (BNI) KCP Palattae Kab. Bone Syahrani, Asti; Muttalib, Abdul; Nanda, Sahabuddin
YUME : Journal of Management Vol 8, No 1 (2025)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v8i1.8438

Penelitian ini merupakan jenis penelitian bersifat kuantitatif dengan tujuan untuk mengetahui pengaruh kualitas layanan mobile banking terhadap loyalitas nasabah pada PT. bank negara indonesia (BNI) kantor cabang sengkang KCP Palattae. Jenis data yang digunakan dalam penelitian ini adalah data kuantitatif yang diperoleh dari kuesioner. Dalam penelitian ini sumber data yang digunakan dalam pengumpulam data mencakup data primer. Instrumen penelitian yang digunakan dalam penelitian ini menggunakan metode skala likert. Berdasarkan hasil penelitian data dengan menggunakan perhitungan statistik melalui aplikasi Statistical Package for the Social Science (SPSS) versi 25 mengenai pengaruh kualitas layanan mobile banking terhadap loyalitas nasabah pada PT. bank negara indonesia (BNI) kantor cabang sengkang KCP Palattae, kesimpulan pada penelitian ini yaitu kualitas layanan berpengaruh positif dan signifikan terhadap loyalitas nasabah pada PT. bank negara Indonesia (BNI) kantor cabang sengkang KCP Palattae.

The Impact of Rice Price Increase and Financial Distress Risk on Student Finance (A Cast Study of Management Student at Unismuh Makassar) Nurhafizah, Nurhafizah; Abdi, Muhammad Nur; Nanda, Sahabuddin
Dinasti International Journal of Management Science Vol. 6 No. 4 (2025): Dinasti International Journal of Management Science (March - April 2025)
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijms.v6i4.4245

This study aims to examine the influence of rice price increases and financial distress risk on the financial management of Management Department students at Muhammadiyah University of Makassar. The population of this study consisted of 376 students from the 2021 cohort of the Management Department, Faculty of Economics and Business, Muhammadiyah University of Makassar. The sample size was determined using the Slovin formula, resulting in 79 respondents. This research employed a quantitative approach with data collected through questionnaires. The data were analyzed using multiple linear regression analysis with SPSS version 22. The results show that the rice price increase variable (X1) has a positive and significant effect on student finances (Y) with a regression coefficient of 0.470 and a significance value of 0.004. Similarly, the financial distress risk variable (X2) also has a positive and significant effect on student finances (Y) with a regression coefficient of 0.435 and a significance value of 0.010. Both independent variables explain 45.7% of the variation in the student finances variable, while the remaining 54.3% is influenced by factors not examined in this study.

THE USE OF CORPORATE DERIVATIVE INSTRUMENTS IN FACING CRISES IN INDONESIA Syafri, Muhammad; Rijal, Syamsu; Munizu, Musran; Sudarmanto, Eko; Nanda, Sahabuddin
Multifinance Vol. 1 No. 2 (2023): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i2.43

This research aims to analyze the company's use of derivative instruments in facing the crisis. The research method is qualitative research a research method used to understand social phenomena in depth. This type of research is library research which researchers carry out by collecting, studying and analyzing references or sources. obtained in writing or written form such as books, journals, articles, documents and other sources of information that are significant to the topic/title being researched. The research results show that the use of derivative instruments by companies in facing a crisis is an important strategy to protect asset value, manage risk and maintain business continuity. Derivative instruments can provide significant benefits, such as hedging against price or exchange rate fluctuations, better risk management, additional access to liquidity, and portfolio diversification.

Understanding Financial Inclusion Through Fintech: A Qualitative Inquiry into the Role of Technology in Shaping Financial Landscapes Nanda, Sahabuddin; Yunus, Yana Ameliana
Golden Ratio of Finance Management Vol. 4 No. 1 (2024): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v4i1.428

Financial inclusion, propelled by the advent of financial technology (fintech), has become a focal point of research and policy discourse globally. This study aims to comprehensively examine the role of technology in shaping financial landscapes and fostering inclusive financial ecosystems. Employing a quantitative descriptive research approach, this study assesses fintech adoption across diverse demographic groups, identifies determinants influencing individuals' utilization of fintech-based financial services, examines the impact of fintech interventions on enhancing financial inclusion metrics, and explores the socio-economic implications of fintech-driven financial inclusion initiatives. Drawing upon a robust literature review, this research elucidates the transformative potential of fintech in expanding financial access and improving financial resilience among underserved populations. The findings underscore the importance of regulatory clarity, cybersecurity measures, and technological literacy in harnessing the full potential of fintech for inclusive economic development.

Exploring Sustainable Finance: A Qualitative Inquiry into Responsible Investment and ESG Risk Evaluation Yunus, Yana Ameliana; Nanda, Sahabuddin
Golden Ratio of Finance Management Vol. 4 No. 1 (2024): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v4i1.429

This research explores the landscape of sustainable finance, responsible investment, and ESG (Environmental, Social, and Governance) risk evaluation, aiming to understand their complexities and implications for financial markets and sustainability outcomes. Employing a qualitative research approach, the study conducts a comprehensive review and synthesis of existing literature, drawing insights from academic databases, journals, reports, and other relevant sources. The research design involves purposive sampling of literature based on relevance, rigor, credibility, and significance criteria. Data collection comprises systematic review and analysis of scholarly literature, while thematic analysis is employed for data interpretation. The findings underscore the growing recognition of ESG factors' importance in investment decision-making processes, driven by their materiality to financial performance and sustainability outcomes. Institutional investors play a pivotal role in mainstream adoption of responsible investment practices, driven by the acknowledgment of ESG factors' impact on investment risk and return profiles. However, methodological challenges related to ESG data quality, measurement, and comparability persist, hindering effective ESG integration and risk assessment. Regulatory initiatives like the United Nations Principles for Responsible Investment (PRI) and the Task Force on Climate-related Financial Disclosures (TCFD) have contributed to mainstreaming ESG considerations but face challenges of regulatory fragmentation and inconsistencies. Addressing these challenges requires collaborative efforts from stakeholders to develop standardized ESG reporting frameworks, enhance stakeholder engagement, and promote regulatory coherence. This study contributes to understanding sustainable finance dynamics and calls for interdisciplinary collaboration to bridge financial theory, sustainability science, and regulatory policy.

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