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All Journal Jurnal Gici Jurnal Keuangan dan Bisnis Jurnal Ekonomi, Bisnis, dan Humaniora
I Gusti Kade Birawan
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Humanities Economics, Econometrics & Finance

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Analisis faktor-faktor yang mempengaruhi profitabilitas perbankan Idhiah Nurdianti; Mudhita Elviani; I Gusti Kade Birawan
JURNAL EKONOMI, BISNIS DAN HUMANIORA Vol 2 No 2 (2023)
Publisher : Universitas Tangerang Raya

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Abstract

Analysis of Factors Influencing the Profitability of Banking Sector Companies Listed on the IDX. Thesis, Management Study Program, Faculty of Economics, Business and Humanities, University of Tangerang Raya. The form of research used is a form of quantitative research. The sample in this research is 8 banks. The data used are primary data and secondary data. Data collection method through data ojk. Data analysis used is qualitative and quantitative analysis. The analysis technique uses the KMO technique. Based on the description that has been stated previously and based on the data obtained in connection with research activities carried out at BANK in Indonesia, the researcher can draw conclusions and provide suggestions that can be useful for the management in the problems faced by company. There are 3 factors affecting profitability seen from the company's Return on Assets (ROA) in Indonesian banking, namely: CAR NPL and NIM factors with eigenvalues of 29.909%, 19.939% and 17.806%. With 6 variable variances that correlate with the formed factors, namely: CAR, NIM, NPL, LDR, BOPO and ROA.
PERAN FINANCIAL LITERACY DALAM MENINGKATKAN FINANCIAL WELL-BEING DI ERA DIGITAL I Gusti Kade Birawan; Hidayat, Rahmat; Juhaeni, Unes
Jurnal Gici Jurnal Keuangan dan Bisnis Vol 16 No 2 (2024): Jurnal Keuangan dan Bisnis
Publisher : Sekolah Tinggi Ilmu Ekonomi GICI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58890/jkb.v16i2.357

Abstract

This study examines the role of financial literacy in improving digital financial well-being among Indonesian youth, considering financial behavior as a mediating variable and risk perception in fintech usage. Using a quantitative survey method, data was collected from 300 respondents aged 18-35 years old who actively use fintech to manage personal finances. Multiple linear regression analysis shows that financial literacy has a significant influence on digital financial well-being, where individuals with higher financial literacy tend to have better financial well-being. Financial behavior proved to be an important mediating variable in linking financial literacy with digital financial well-being, while risk perception negatively influenced the relationship. This result is in line with Protection Motivation Theory which explains that financial literacy helps individuals deal effectively with digital financial risks. The findings have practical implications for formulating more effective digital financial education strategies, as well as making theoretical contributions to the financial management literature. Future research is recommended to explore other factors such as social support and cultural factors in digital financial literacy .
Co-Authors Idhiah Nurdianti Juhaeni, Unes Mudhita Elviani Rahmat Hidayat