Garuda - Garba Rujukan Digital

DETERMINAN KEPUASAN DAN KINERJA DALAM BLENDED LEARNING Alamin, Ahmad Fikri; Warsono, Sony
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 3 (2024): Edisi September - Desember 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i3.4539

Penelitian ini bertujuan untuk menguji faktor-faktor yang mempengaruhi kepuasan dan kinerja blended learning yaitu content interaction, instructor-learner interaction, learner-learner interaction, dan biaya dan akses internet. Teknik penyebaran data menggunakan survei berupa penyebaran kuesioner dan disebar melalui google form. Penelitian ini melibatkan 191 partisipan yang merupakan mahasiswa S1 akuntansi yang mengambil mata kuliah praktikum akuntansi. Hasil penelitian menunjukkan bahwa content interaction yang tinggi dapat meningkatkan kerpuasan dan kinerja dalam blended learning. Hasil penelitian juga menunjukkan instructor-learner interaction mendukung kepuasan namun tidak pada kinerja dalam blended learning. Hasil penelitian juga menunjukkan learner-learner interaction tidak mendukung kepuasan, namun mendukung kinerja dalam blended learning. Namun, tidak terdapat dukungan antara biaya dan akses internet pada kepuasan dan kinerja dalam blended learning. Hasil penelitian memberikan dukungan kepuasan terhadap kinerja dalam blended learning yaitu menunjukkan bahwa kepuasan menjadi faktor penting dalam mengukur kualitas belajar mengajar di perguruan tinggi.

Performance of MSMEs with Disabilities: Digital Financial Inclusion as an Intermediary for Digital Transformation and Financial Literacy Nugroho, Dwiyanjana Santyo; Alamin, Ahmad Fikri; Anita, Anita; Krisnandika, Verina Ruth
JURNAL KEWIRAUSAHAAN, AKUNTANSI DAN MANAJEMEN TRI BISNIS Vol 7 No 2 (2025): Jurnal Kewirausahaan, Akuntansi dan Manajemen
Publisher : STIE Tri Bhakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59806/jkamtb.v7i2.551

This study aims to analyze the influence of digital transformation and financial literacy on the performance of Micro, Small, and Medium Enterprises (MSMEs) with disabilities in DKI Jakarta, with digital financial inclusion as a mediating variable. Primary data were collected from 30 respondents who are MSME actors with disabilities using questionnaires and analyzed with Structural Equation Modeling – Partial Least Squares (SEM-PLS). The outer model test results confirmed the validity and reliability of the instruments. However, key findings from the inner model test indicate that digital transformation significantly and negatively affects both digital financial inclusion and the performance of MSMEs with disabilities. Meanwhile, financial literacy does not significantly influence either digital financial inclusion or the performance of MSMEs with disabilities. Digital financial inclusion was not proven to mediate the relationship between digital transformation and financial literacy on the performance of MSMEs with disabilities. The implications of this study indicate that the current digitalization efforts and financial literacy levels among MSMEs with disabilities in DKI Jakarta are not yet optimal or even pose challenges, thus failing to effectively enhance performance. This study emphasizes the urgency of more inclusive and adaptive assistance programs to ensure positive digital transformation implementation and optimized utilization of digital financial services for MSMEs with disabilities.

LINKING ESG AND CREDIT RISK: EVIDENCE ON FINANCIAL PERFORMANCE AND STOCK MARKET RETURNS IN ASEAN BANKING SECTOR Anita, Anita; Sibarani, Blasius Erik; Alamin, Ahmad Fikri
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i4.1844-1857

This research seeks to examine the influence of Environmental, Social, and Governance (ESG) factors and Non-Performing Loans (NPLs) on financial performance and their effects on stock returns within the ASEAN banking industry. The impetus for this study arises from the growing emphasis on sustainability in the financial sector and the difficulties presented by credit risk, both of which are vital elements influencing bank performance and appeal to investors. The study population consists of banking institutions from five ASEAN nations—Indonesia, Malaysia, Singapore, Thailand, and the Philippines—over the period of 2021–2023. A total of 102 valid observations were gathered through purposive sampling following the outlier examination. The variables analyzed consist of ESG, NPL, financial performance assessed by Return on Assets (ROA), and stock returns, all obtained from Bloomberg. Analysis was conducted with SmartPLS software. The results show that ESG has a positive and significant effect on both financial performance and stock returns, whereas NPLs have a negative and significant effect on these results. Conversely, stock returns are not notably influenced by financial performance. These findings indicate that ASEAN investors prioritize factors beyond profitability, emphasizing the significance of sustainability practices, effective governance, and management of credit risk. This study adds to the existing literature by supporting stakeholder theory, which asserts that the success of a corporation depends on harmonizing the interests of all stakeholders. The results urge banks to strengthen ESG practices and refine credit risk management to enhance performance and sustain investor trust in the capital markets.

LINKING ESG AND CREDIT RISK: EVIDENCE ON FINANCIAL PERFORMANCE AND STOCK MARKET RETURNS IN ASEAN BANKING SECTOR Anita, Anita; Sibarani, Blasius Erik; Alamin, Ahmad Fikri
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i4.1844-1857

This research seeks to examine the influence of Environmental, Social, and Governance (ESG) factors and Non-Performing Loans (NPLs) on financial performance and their effects on stock returns within the ASEAN banking industry. The impetus for this study arises from the growing emphasis on sustainability in the financial sector and the difficulties presented by credit risk, both of which are vital elements influencing bank performance and appeal to investors. The study population consists of banking institutions from five ASEAN nations—Indonesia, Malaysia, Singapore, Thailand, and the Philippines—over the period of 2021–2023. A total of 102 valid observations were gathered through purposive sampling following the outlier examination. The variables analyzed consist of ESG, NPL, financial performance assessed by Return on Assets (ROA), and stock returns, all obtained from Bloomberg. Analysis was conducted with SmartPLS software. The results show that ESG has a positive and significant effect on both financial performance and stock returns, whereas NPLs have a negative and significant effect on these results. Conversely, stock returns are not notably influenced by financial performance. These findings indicate that ASEAN investors prioritize factors beyond profitability, emphasizing the significance of sustainability practices, effective governance, and management of credit risk. This study adds to the existing literature by supporting stakeholder theory, which asserts that the success of a corporation depends on harmonizing the interests of all stakeholders. The results urge banks to strengthen ESG practices and refine credit risk management to enhance performance and sustain investor trust in the capital markets.

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