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All Journal Jurnal Ekonomi Journal of Trends Economics and Accounting Research
Mei Hotma Mariati Munte
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Economics, Econometrics & Finance

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Problems And Handling Of Electronic Payment Systems In The Digital Era In Medan Mei Hotma Mariati Munte; Jadongan Sijabat; Ardin Doloksaribu; Imelda, Imelda
Jurnal Ekonomi Vol. 13 No. 04 (2024): Edition October -December 2024
Publisher : SEAN Institute

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Abstract

Electronic payment system failure refers to a situation where a payment process or financial transaction is not completed as expected. Transaction failure using an electronic payment system can be caused by various factors, which are generally categorized into technical, security, infrastructure, and operational aspects. Therefore, this study aims to investigate technical problems, lack of user understanding, user errors, third-party interference, and high transaction volume levels as causes of electronic transaction failures and delayed funds in electronic payment systems.the problems, and handling of electronic payment systems. For this purpose, an investigation was conducted into technical problems, lack of user understanding, user errors, third-party interference, and high volume levels. The respondents of this study were those who were qualified (Medan residents/have visited Medan), users of electronic payment systems and have experienced problems processing transactions with electronic payment systems. The questionnaire compiled using Google Form was sent to 120 users of electronic payment systems among students using WA and 93 of them returned it. The results of the study showed that barriers to use and risk barriers had a negative effect on interest in using. While value barriers, tradition barriers, privacy barriers, and facilitating conditions had a positive effect on interest in using electronic payment systems.
Pengaruh Struktur Modal dan CSR Terhadap Kinerja Keuangan Perusahaan Perbankan Sitompul, Andreas Sebastian; Hendrik E. S. Samosir; Mei Hotma Mariati Munte
Journal of Trends Economics and Accounting Research Vol 5 No 3 (2025): March 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v5i3.1913

Abstract

This study aims to determine the effect of capital structure and corporate social responsibility on the financial performance of banking companies listed on the IDX for the period 2021-2023. The research method used is quantitative with panel data regression analysis. The research population consists of 47 banking companies, and the sampling method used is purposive sampling, resulting in a research sample of 34 banking companies with a total of 102 observations. The research results show that capital structure has a positive and significant effect on financial performance. Corporate social responsibility has a negative and significant impact on financial performance. This indicates that 99.9% of financial performance can be explained by capital structure and corporate social responsibility.
Co-Authors Ardin Doloksaribu Hendrik E. S. Samosir Jadongan Sijabat Jadongan Sijabat Sitompul, Andreas Sebastian