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All Journal International Journal of Business and Applied Economics (IJBAE) Prosiding Seminar Nasional dan Call Paper STIE Widya Wiwaha
Hilendri, Baiq Anggun
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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THE INFLUANCE OF FINANCIAL BEHAVIOR, FINANCIAL LITERACY, AND FINANCIAL TECHNOLOGY ON THE PERFOMANCE OF MSMEs IN MATARAM CITY Natasha, Octavia; Hilendri, Baiq Anggun; Agustiningsih, Wulandari
Prosiding Seminar Nasional dan Call Paper STIE Widya Wiwaha Vol 3 No 1 (2024): International Seminar Proceedings and Call for Paper STIE Widya Wiwaha
Publisher : Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/semnas.v3i1.1096

Abstract

The research analyze influence of financial behavior, financial literacy, and financial technology on the performance of Mataram City MSMEs. The method used is a quantitative approach with surveys as a data collection technique. The population of this research is MSME actors who own MSME businesses in Mataram City, with a sample taken randomly of 100 respondents. The collected data was analyzed using multiple linear regression to test the relationship between variables. Temun shows that financial behavior has no significant effect on the performance of MSMEs in Mataram City, financial literacy has no effect on the performance of Mataram City, and financial technology has a positive influence on the performance of MSMEs in Mataram City. The results of this research emphasize the importance of strengthening financial behavior, financial literacy and financial technology to support MSME performance and better economic growth.
Analysis of Potential Motor Vehicle Tax Opportunities and Motor Vehicle Title Transfer Fee Opsens: Study in Central Lombok Regency Hariadi, Sheryl Yasina; Hilendri, Baiq Anggun; Ridhawati, Rini
International Journal of Business and Applied Economics Vol. 3 No. 3 (2024): May 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v3i3.9428

Abstract

This research aims to map regional revenue potential when the Opsen PKB and Opsen BBNKB schemes are implemented in the Central Lombok Regency. Quantitative methods using data on the number of motorized vehicles, regional tax targets and realization, gross regional domestic product, and regional income are used in this research to measure tax performance and analyze potential tax opportunities. The results of this research are that the PKB revenue ratio is in the medium category. BBNKB is in the low category, tax effort PKB and BBNKB are in the very low category, the elasticity ratio of both shows elastic results, the PKB collection ratio has an average of 7%, and BBNKB 6%, the effectiveness ratio of PKB is in the effective category,. BBNKB is in the quite effective category. The results of the analysis of potential tax opportunities show an increase in revenue for Central Lombok Regency.
Analysis of the Efficiency Level of Islamic Commercial Banks in Indonesia using the Stochastic Frontier Analysis (SFA) Method for the 2021-2023 Period Syifa Sakina Ahdanissa; Hilendri, Baiq Anggun
International Journal of Business and Applied Economics Vol. 3 No. 3 (2024): May 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v3i3.9578

Abstract

This study aims to determine the efficiency level of Islamic Commercial Banks (BUS), especially at Regional Government Islamic Commercial Banks and National Private Islamic Commercial Banks in Indonesia for the 2021-2023 period, using the Stochastic Frontier Analysis (SFA) method. This research is a quantitative study with panel data and secondary data used, namely third-party funds, total assets, labor costs, and financing. The results of this study indicate that the efficiency level of the Regional Government BUS is 0.9757 and the National Private BUS is 0.95451. This shows that each Bank is efficient and performs its intermediary function well. Therefore, there is no significant difference between the efficiency of Regional Government BUS and National Private BUS with the Mann Whitney U-Test difference test.
The Effect of Convenience, Comfort and Risk on the Preferences of Independent Learning–Independent Campus (MBKM) Students in Using QRIS Nugraha, Muhammad Adhitya; Hilendri, Baiq Anggun
International Journal of Business and Applied Economics Vol. 3 No. 4 (2024): July 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v3i4.10446

Abstract

This study aims to analyze the convenience, comfort and risks of the preferences of independent learning students on an independent campus (MBKM) in using QRIS. The research method used is quantitative with a descriptive approach. Data collection techniques through the distribution of questionnaires. The sample in this study is MBKM students exchange Bacht 3 students. The results of this study show that convenience, comfort, and risk have a significant positive effect on the preferences of independent students to study on an independent campus in using QRIS with  an R – Square  score of 0.652 or 65.2 %, indicating that the preferences of MBKM students in using QRIS are influenced by Convenience, Convenience, and Risk in this study.
Co-Authors Agustiningsih, Wulandari Hariadi, Sheryl Yasina Natasha, Octavia Nugraha, Muhammad Adhitya Rini Ridhawati Syifa Sakina Ahdanissa