Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal International Journal of Economic, Technology and Social Sciences (Injects) International Journal of Management, Economic and Accounting
Wahyudi Maherza
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Public Health Social Sciences

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

Found 2 Documents
Search

 1 
The Impact of Financial Technology (Fintech) on Financial Inclusion in Developing Countries: A Critical Literature Analysis Faqrurrowzi, Lendra; Pulungan, Delyana Rahmawany; Wahyudi Maherza
International Journal of Economic, Technology and Social Sciences (Injects) Vol. 6 No. 1 (2025): Mei 2025
Publisher : CERED Indonesia Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53695/injects.v6i1.1298

Abstract

Abstract This study examines how fintech is opening up access to financial services for marginalized communities in developing countries. Through a systematic literature review, we analyze how innovations such as digital wallets, peer-to-peer lending, and digital banking are changing the landscape of financial inclusion. Findings suggest that fintech plays a significant role in addressing geographic and cost barriers, but its effectiveness depends on digital infrastructure, supportive regulations, and the digital literacy level of the population. Despite its promise, the digital divide and data security remain major challenges. The results of this study offer valuable insights for policymakers and practitioners in designing strategies that maximize fintech's potential to expand financial access while minimizing its risks.  
Analysis Of Determinants Of Employee Performance On Employees Of PT. Telkom Indonesia Witel Medan Wahyudi Maherza
International Journal of Management, Economic and Accounting Vol. 3 No. 1 (2025): February 2025
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/ijmea.v3i1.557

Abstract

The purpose of this study is to evaluate various aspects of the performance of employees of PT. Telkom Witel Medan, such as communication, compensation, competence, and job satisfaction. The population is all employees of PT. Telkom Witel Medan. For this study, the sample selection consisted of 80 people. The data analysis techniques used are measurement model (outer model) and inner model consisting of convergent validity, dicriminant validity, model coloniality test, composite reliability, path coefficient, and R-Square which is processed using SEM – PLS (Structural Equation Modeling – Partial Least Square). Based on the outer model and inner model tests , no offensive variables were found. The results of this study show that: The following factors affect employee performance: communication affects employee performance, salary does not affect employee performance, competence does not affect employee performance, communication affects job satisfaction, salary affects job satisfaction, competency affects job satisfaction, job satisfaction affects employee performance, communication affects employee performance mediated by job satisfaction, salary affects employee performance mediated by job satisfaction.
Co-Authors Faqrurrowzi, Lendra