Article Per Year (5 Year)
p-Index From 2020 - 2025
0.702
P-Index
This Author published in this journals
All Journal JOURNAL OF APPLIED ACCOUNTING AND TAXATION Jurnal Ekonomi, Manajemen, Akuntansi
Annisa Syaqbania
Universitas Sriwijaya
Economics, Econometrics & Finance Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Can Financial Technology Drive Economic Growth in Indonesia? Eogenie Lakilaki; Annisa Syaqbania; Rizki Amelia; Septio Pratama Putra; Muhamad; Nia Afriza
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6201

Abstract

This study aims to analyze the contribution of fintech to economic growth in Indonesia using a quantitative approach. Fintech, which encompasses digital payment platforms and peer-to-peer lending (P2P) services, has facilitated convenient access to financial resources and enhanced transactional efficiency. However, negative impacts have also been identified, particularly the risk of default and high interest rates, which may impede economic growth. The data employed in this study encompasses the distribution of fintech financing registered with the Financial Services Authority (OJK) from 2018 to 2023, in addition to Indonesia's economic growth data from the Central Statistics Agency (BPS). The analysis findings indicate that while fintech has significant potential in expanding financial inclusion, its adverse effects, such as elevated levels of bad debt and misallocated financing, can impede economic growth.
REVEALING THE KEY TO FINANCIAL STABILITY DURING THE COVID-19 CRISIS Eogenie Lakilaki; Annisa Syaqbania; Rizki Amelia
Journal of Applied Accounting and Taxation Vol. 9 No. 2 (2024): Journal of Applied Accounting and Taxation (JAAT)
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaat.v9i2.7281

Abstract

The Covid-19 pandemic has caused a significant shock to the financial sector, affecting the performance and stability of financial institutions. This study aims to analyze the effect of the Loan to Deposit Ratio (LDR), capital adequacy, and credit risk on financial stability during the Covid-19 pandemic. The sample 18 banking sector companies listed on the Indonesia Stock Exchange during the 2020-2022 period. This research method uses relevant and reliable data from the banking sector companies listed on the Indonesia Stock Exchange during the Covid-19 pandemic period. Data analysis was performed using statistical regression techniques to identify the relationship between the variables studied. The results of this study are expected to provide further understanding of how changes in the Loan to Deposit Ratio, capital adequacy, and credit risk impact financial stability during the Covid-19 pandemic. The results of this study prove that the loan to deposit ratio and capital adequacy has a positive effect on the on the financial stability. While the credit risk have a negative effect on the financial stability. The implications of this research can be a guide for financial authorities and related institutions in making policies to maintain financial stability in the midst of a pandemic crisis. Keywords: Capital Adequacy Ratio, Financial Stability, Loan Deposit to Ratio, Non-Performing Loans
Co-Authors Eogenie Lakilaki Eogenie Lakilaki Muhamad Muhammad Nia Afriza Rizki Amelia Septio Pratama Putra