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All Journal JURNAL EKONOMI SAKTI (JES) Economics and Digital Business Review IJMA
Amin, Amelia Rezki Septiani
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering

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PENGARUH KEGUNAAN DAN KEMUDAHAN TERHADAP MINAT MENGGUNAKAN LAYANAN BNI MOBILE BANKING PADA BNI KK ANTANG Nurulhidayah, Nurulhidayah; Arsal, Muryani; Amin, Amelia Rezki Septiani
IJMA (Indonesian Journal of Management and Accounting) Vol 5, No 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijma.2024.5(2).297-310

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Kegunaan dan Kemudahan Terhadap Minat Menggunakan Layanan BNI Mobile Banking pada BNI KK Antang. Penelitian ini menggunakan data primer dan sekunder dengan menyebarkan kuesioner kepada nasabah BNI KK Antang. Jumlah sampel dalam penelitian ini ialah sebanyak 100 responden dan menggunakan metode purposive sample. Metode yang digunakan dalam penelitian ini adalah Partial Least Square (PLS) dengan menggunakan alat analisis data yaitu SmartPLS versi 4.1.0.0.  Hasil penelitian menunjukkan bahwa variabel Kegunaan (X1) berpengaruh terhadap Minat (Y) Demikian juga variabel Kemudahan (X2) berpengaruh terhadap Minat (Y). Hasil penelitian ini dapat digunakan oleh manajemen perbankan untuk mempertahankan layanan Mobile Banking dan untuk meningkatkan pelayanan kepada nasabah.
Evaluation of the Relationship Between Capital Budget and Financing Decisions in Firm Growth Amin, Amelia Rezki Septiani; Adil, Muhammad
Economics and Digital Business Review Vol. 6 No. 1 (2025): Agustus - January
Publisher : STIE Amkop Makassar

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Abstract

Purpose: This study evaluates the intricate relationship between capital budgeting, financing decisions, and firm growth, emphasizing how these financial strategies collectively influence corporate expansion, financial stability, and competitive advantage. The study comprehensively assesses how firms optimize capital allocation and funding decisions to sustain long-term growth by integrating findings from diverse economic and industrial contexts. This research employs a Systematic Literature Review (SLR) approach to synthesize and critically analyze existing studies on capital budgeting, financing decisions, and their implications for firm growth. The study reviews peer-reviewed literature from recognized academic sources, examining theoretical frameworks, empirical findings, and emerging trends in corporate financial decision-making. The analysis focuses on key financial models, including Trade-Off Theory and Pecking Order Theory, to contextualize findings and highlight inconsistencies across existing studies. The study finds that an integrated approach to capital budgeting and financing decisions significantly impacts a firm's ability to strategically allocate resources, balance debt and equity, and mitigate financial risks. Firms that effectively leverage NPV, IRR, and Payback Period methods exhibit greater investment efficiency, while those with over-reliance on debt face risks of over-leverage and financial distress—external factors such as interest rates, inflation, and regulatory changes shape firms' financial strategies. The study offers practical insights for corporate managers to develop flexible and adaptive financial strategies, ensuring sustainable corporate growth. Policymakers can leverage these findings to refine financial regulations, fostering an investment-friendly environment. Future research should explore ESG financing, fintech-driven financial solutions, and cross-industry capital allocation models to expand current knowledge.
ANALISIS KINERJA KEUANGAN PENGELOLAAN ALOKASI DANA DESA BERDASARKAN RASIO EFEKTIVITAS DAN RASIO PERTUMBUHAN PADA KANTOR DESA KO’MARA KEC. POLONGBANGKENG TIMUR KABUPATEN TAKALAR Nurdiana, Nurdiana; Nasrullah, Nasrullah; Amin, Amelia Rezki Septiani
Jurnal Ekonomi Sakti Vol 14 No 1 (2025)
Publisher : LPPM - STIE SAKTI ALAM KERINCI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36272/jes.v14i1.402

Abstract

This research aims to analyze the financial performance of village fund allocation management at the Ko'mara Village Office, Kec. East Polongbangkeng District. Calculation is based on the effectiveness ratio and growth ratio. The research method used is quantitative with financial ratio data analysis techniques. Village financial report data for the 2019 to 2023 fiscal year were processed using the SPSS version 29 application. The research results showed that the financial performance of village fund allocation management at the Ko'mara Village Office, District. East Polongbangkeng District. Takalar during the research period has not been effective and has not shown significant growth. Keywords: Financial Performance, Village Fund Allocation, Effectiveness Ratio, Growth Ratio
Co-Authors Arsal, Muryani Muhammad Adil, Muhammad Nasrullah Nasrullah Nurdiana Nurdiana Nurulhidayah, Nurulhidayah