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All Journal Jurnal Samudra Ekonomi dan Bisnis Pusat Publikasi Ilmu Manajemen
Tunya, Maria Grasella
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Aplikasi Siskeudes dan SPI terhadap Kualitas Laporan Keuangan Desa dengan Kompetensi SDM sebagai Variabel Pemoderasi Tunya, Maria Grasella; Riharjo, Ikhsan Budi; Ardini, Lilis
Jurnal Samudra Ekonomi dan Bisnis Vol 14 No 3 (2023): JSEB
Publisher : Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v14i3.7631

Abstract

The research aims to examine the influence of the use of village financial system applications and internal control systems on the quality of village financial reports, with human resource competency as a moderating variable. This quantitative research uses a moderated regression data analysis method. The results show that the use of village financial system applications and internal control systems is proven to have a positive effect on the quality of village financial reports, while the human resource competency obtained does not moderate the influence of the use of village financial system applications on the quality of village financial reports or the influence of the internal control system on the quality of village financial reports. The recommendation given is that improving the quality of human resources using the system is a point that village officials need to pay attention to.
Dampak Financial Technology Peer To Peer Lending Terhadap Kinerja Keuangan Koperasi Simpan Pinjam Di Ksp Puskopdit Swadaya Utama Maumere Sari, Claudia Mayang; Sanga, Konstantinus Pati; Tunya, Maria Grasella
PPIMAN Pusat Publikasi Ilmu Manajemen Vol. 4 No. 3 (2026): Juli: Pusat Publikasi Ilmu Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Univ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/ppiman.v4i3.1581

Abstract

This study aims to analyze the impact of Financial Technology Peer-to-Peer Lending on the financial performance of Savings and Loan Cooperatives under the supervision of KSP Puskopdit Swadaya Utama Maumere. This study uses a quantitative approach with descriptive methods and simple linear regression analysis. The data used are secondary data for the 2021–2025 period obtained from cooperative financial reports and fintech lending statistics. Financial Technology Peer-to-Peer Lending is measured through outstanding fintech loans, while cooperative financial performance is measured using Return on Assets (ROA). Data analysis was conducted using the t-test and coefficient of determination. The results show that outstanding Financial Technology Peer-to-Peer Lending loans do not have a significant effect on cooperative financial performance as measured by ROA, with a significance value of 0.627 (>0.05). The coefficient of determination of 8.8% indicates that outstanding fintech loans explain only a small portion of the changes in cooperative ROA, while the remaining variation is influenced by other factors outside the research model. Thus, the development of outstanding fintech loans during 2021–2025 has not had a significant impact on cooperative financial performance.
Co-Authors Gula, Valeria Eldyn Ikhsan Budi Riharjo Jaeng, Theresa Yuliana Lilis Ardini Sanga, Konstantinus Pati Sari, Claudia Mayang