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All Journal Journal of Economic, Bussines and Accounting (COSTING) International Journal of Economics Development Research (IJEDR) Formosa Journal of Science and Technology (FJST) Journal of Business Management and Economic Development
Said, Samsuardi
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Potential and Challenges of Renewable Energy Management: Socio-economic Perspective in Indonesia Ghazali, Rahmat; Yusuf Y.S, Muhammad; Said, Samsuardi; Darwin, Dirmansyah
Journal of Business Management and Economic Development Том 3 № 02 (2025): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v3i02.1545

Abstract

Renewable energy in Indonesia has great potential to reduce dependence on fossil fuels and combat climate change. Despite abundant resources such as solar, wind, and biomass, regulatory, infrastructure, and investment challenges still hamper its development. This study uses a qualitative approach to explore the state of renewable energy and its socio-economic impacts. The results and analysis show that renewable energy development can increase energy access, create jobs, and reduce greenhouse gas emissions. Collaboration between the government, private sector, and communities is essential for a successful transition. Recommendations include improving policies, increasing investment, and public education to ensure more equitable and sustainable benefits from renewable energy in Indonesia.
The Contribution of Fintech to Strengthening SME Financing Access: Evidence from Majene Regency Syamsuddin, Fajar Rakasiwi; Said, Samsuardi; Riva'i, Dian Rahmayanti; Anfas, Anfas; Wulandari, Futri Ayu
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 6 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i6.9283

Abstract

The rapid growth of financial technology (fintech) has brought significant changes to access to financing for small and medium enterprises (SMEs) in Indonesia, particularly in areas with limited conventional banking services. This study aims to analyse the impact of fintech on improving SME access to financing in Majene Regency, West Sulawesi. Using a mixed methods approach, quantitative data was collected from 165 SME actors through structured questionnaires, while qualitative data was obtained through in-depth interviews with selected informants. The variables examined included ease of use, fintech service features, and access to financing, which were analysed using multiple linear regression (SPSS 27) and thematic analysis (NVivo). The results showed that ease of use and fintech service features had a significant positive effect on SME access to financing. The majority of respondents stated that fintech applications—especially QRIS and digital wallets—greatly facilitated transactions and business management. However, there are still obstacles in the form of uneven digital literacy and unstable network infrastructure, so that the use of digital financing features is not yet optimal. This study concludes that the development of inclusive and user-friendly fintech solutions, accompanied by broader digital literacy programmes, is crucial to maximising the role of fintech in supporting regional SMEs. These findings have important implications for fintech providers, local governments, and policymakers in designing effective strategies to strengthen SME growth through digital financial inclusion.
Determinants of Formal and Informal Sector Labor Absorption in South Sulawesi Province Mirwan, Sri Handila; Nurjaya, Nurjaya; Yusuf.Y.S, Muhammad; Said, Samsuardi
Formosa Journal of Science and Technology Vol. 3 No. 7 (2024): July 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v3i7.10278

Abstract

This research aims to determine the influence of the Human Development Index and GRDP on the absorption of formal and informal sector workers in South Sulawesi Province. This research uses multiple regression analysis and panel data, namely using cross-section and time series data in 24 regencies/cities in South Sulawesi Province with a time interval of 5 years 2019-2023. The research results obtained show that HDI has a negative and significant influence on labor absorption, with a significance value of 0.000, a t-statistic value of -4.920, and a regression coefficient value of -0.058, GRDP has a positive and significant influence on labor absorption, with The significance value is 0.000, the t-statistic value is 10,748 and the regression coefficient value is 0.610. MSMEs support the stabilization of income of people who work in the informal sector.
ANALISIS AUDIT KINERJA DENGAN MENGGUNAKAN BALANCED SCORECARD PADA PT BUMI JASA UTAMA DI MAKASSAR Mansur, Ahmad; Said, Samsuardi; Edy, Sri Amalia
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 2 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/tzcsv395

Abstract

Penelitian ini bertujuan untuk menganalisis audit kinerja PT Bumi Jasa Utama di Makassar dengan menggunakan pendekatan Balanced Scorecard. Pengukuran kinerja melalui pendekatan ini dilakukan untuk memperoleh gambaran yang lebih komprehensif mengenai pencapaian perusahaan, tidak hanya dari aspek keuangan, tetapi juga dari perspektif pelanggan, proses bisnis internal, serta pembelajaran dan pertumbuhan. Penelitian ini menggunakan metode deskriptif kualitatif dengan sumber data berupa data primer dan data sekunder. Teknik pengumpulan data dilakukan melalui studi kepustakaan dan dokumentasi terhadap laporan serta informasi kinerja perusahaan. Hasil penelitian menunjukkan bahwa pada perspektif keuangan terjadi penurunan kinerja pada bulan Januari, namun mulai mengalami peningkatan pada bulan Februari hingga Maret. Pada perspektif pelanggan, belum terdapat pertumbuhan pelanggan baru pada bulan Januari dan Februari, tetapi terjadi peningkatan pada bulan Maret yang berdampak pada peningkatan pendapatan perusahaan. Pada perspektif proses bisnis internal, sinergi bisnis belum berjalan optimal selama periode pengamatan, sehingga masih perlu ditingkatkan untuk mendukung pencapaian perspektif lainnya. Sementara itu, perspektif pembelajaran dan pertumbuhan belum menunjukkan perubahan yang signifikan karena indikator pengembangan sumber daya manusia, budaya perusahaan, dan teknologi belum dapat diukur secara maksimal. Penelitian ini menyimpulkan bahwa Balanced Scorecard dapat digunakan sebagai alat audit kinerja yang efektif untuk menilai kinerja PT Bumi Jasa Utama secara menyeluruh. Perusahaan disarankan untuk memperkuat proses bisnis internal, meningkatkan kualitas pelayanan pelanggan, mengembangkan kompetensi karyawan, serta memperbaiki sistem pengukuran kinerja berbasis indikator yang jelas dan terukur.
Co-Authors Ahmad Mansur Anfas, Anfas Darwin, Dirmansyah GHAZALI, RAHMAT Mirwan, Sri Handila NURJAYA NURJAYA, NURJAYA Riva'i, Dian Rahmayanti Sri Amalia Edy Syamsuddin, Fajar Rakasiwi Wulandari, Futri Ayu Yusuf Y.S, Muhammad Yusuf.Y.S, Muhammad