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Pengaruh Minat Penggunaan Payment Quick Response Code Indonesian Standard (QRIS) terhadap Masyarakat di Kota Ternate Situru, Agatha Christy; Malik, Mahardika Catur Putriwana
Jurnal Manarang Manajemen dan Bisnis Vol 1 No 02 (2023): Manarang : Manajemen & Bisnis - April
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/jurnal manarang.v1i02.2695

Abstract

The purpose of this research is to find out the interest in using the Payment Quick Response Code Indonesian Standard (QRIS) for the people in Ternate City. The casual study analysis method becomes a method in this study by using a quantitative approach. The perceived benefits gained by using QRIS can improve job performance by making digital payments efficient and effective.The perception of security that exists in using QRIS makes someone want to use it in a cash payment system for non-cash payments because apart from the benefits you get there is also the perceived security in using the technology.
Financial Literacy and MSME Sustainability: From Basic Knowledge to Savings, Credit, Investment, and Insurance Jeandry, Gregorius; Malik, Mahardika Catur Putriwana
International Journal of Economics, Business and Innovation Research Vol. 3 No. 05 (2024): International Journal of Economics, Business and Innovation Research (IJEBIR)
Publisher : Cita konsultindo

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

Abstract

This study aims to explore the impact of financial literacy on the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Ternate City, focusing on basic knowledge as well as strategies related to savings, credit, investment, and insurance. Employing multiple regression analysis, the study involves a sample of 104 MSMEs selected through purposive sampling from the sectors of food and beverage, fashion, and retail. Descriptive statistics reveal that most MSMEs operate for 6 to 10 years with capital below IDR 50 million and primarily fund themselves through personal funds. Regression results indicate that Basic Financial Literacy and Savings and Credit Literacy have a significant positive impact on MSME sustainability, while Investment and Insurance Literacy do not show significant effects. These findings highlight the importance of enhancing basic financial knowledge and understanding of savings and credit to support MSME sustainability while suggesting the need for more intensive educational programs regarding investment and insurance. The study's limitations include its geographic scope and lack of consideration of external factors, such as macroeconomic conditions, indicating the need for further research with a broader scope and additional variables.
PENGARUH AKUNTANSI HIJAU DAN TANGGUNG JAWAB SOSIAL PERUSAHAAN TERHADAP NILAI PERUSAHAAN DENGAN PROFITABILITAS SEBAGAI VARIABEL MODERASI PADA PERUSAHAAN PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Setiawati, Erni; Hormati, Asrudin; Malik, Mahardika Catur Putriwana
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/h7kbvn58

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh akuntansi hijau dan tanggung jawab sosial perusahaan terhadap nilai perusahaan dan untuk mengetahui apakah profitabilitas mampu memoderasi pengaruh akuntansi hijau dan tanggung jawab sosial perusahaan terhadap nilai perusahaan. Penelitian ini berfokus pada perusahaan pertambangan yang terdaftar di Bursa Efek Indonesia selama periode 2020-2024. Pemilihan sampel dilakukan dengan metode purposive sampling, sehingga diperoleh 11 perusahaan sebagai sampel penelitian. Data dikumpulkan melalui dokumentasi berupa laporan tahunan dan laporan keberlanjutan perusahaan. Analisis regresi yang digunakan dalam penelitian ini Moderated Regression Analysis (MRA) dengan bantuan software Eviews 13. Hasil penelitian menunjukkan bahwa variabel akuntansi hijau tidak berpengaruh signifikan terhadap nilai perusahaan, sedangkan tanggung jawab sosial perusahaan berpengaruh negatif signifikan terhadap nilai perusahaan. Profitabilitas tidak mampu memoderasi pengaruh akuntansi hijau terhadap nilai perusahaan, namun mampu memoderasi pengaruh tanggung jawab sosial perusahaan terhadap nilai perusahaan.
Assessing the Financial Soundness of Indonesia's Largest Islamic Bank: An RGEC Framework Analysis Aksan, Ismul; Sinen, Kasim; Malik, Mahardika Catur Putriwana
Jurnal Genesis Indonesia Vol. 5 No. 01 (2026): Article in Press - Jurnal Genesis Indonesia
Publisher : The Indonesian Institute of Science and Technology Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56741/IISTR.jgi.001953

Abstract

This study aims to assess the financial soundness of PT Bank Syariah Indonesia Tbk (BSI) during the pivotal consolidation period from 2020 to 2024. The research specifically evaluates how the mega merger affects the bank's risk capability, efficiency, and overall stability. The assessment utilizes the RGEC method in accordance with Financial Services Authority (FSA) regulations. This quantitative descriptive study analyzes secondary data from BSI’s annual reports over a five-year observation period (2020–2024). The results demonstrate that BSI consistently maintained a Very Healthy composite rating throughout the period. Specifically, the bank showed remarkable improvement in operational efficiency, with BOPO decreasing significantly from 84.61% (2020) to 69.93% (2024), and profitability rising with ROA reaching 2.49% in 2024. Risk management also strengthened, evidenced by a low Net NPF of 0.50% and a robust CAR above 21%. Furthermore, GCG implementation achieved a Very Good predicate in 2024. Practical Implications: The findings suggest that the merger successfully achieved operational synergy without compromising financial stability. The study recommends that management maintain the current efficiency level while exploring further financing expansion given the high liquidity and capital buffer.