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All Journal Jurnal Pengabdian Masyarakat Bestari (JPMB) West Science Business and Management Jurnal Bisnis dan Manajemen West Science
Ajmilia, Qori Fadla
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Strengthening Financial Literacy through the Utilization of Financial Technology (Fintech) in Nurul Hidayah Women in Bandar Setia Village Gea, Edi Zaman Berkat; Fitri, Nur Aisyah; Tobing, Ainun Sakinah L; Ajmilia, Qori Fadla; Sembiring, Robert Sanjaya; Absah, Yeni
Jurnal Pengabdian Masyarakat Bestari Vol. 3 No. 12 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jpmb.v3i12.12637

Abstract

The strengthening of the times and the digital-I economic ecosystem encourages the transformation of the convention payment mode I to be digital-based. The purpose of the service is to provide an introduction and understanding of financial technology to the mothers of Nurul Hidayah Village in Bandar Setia Village. The method used is the socialization of material explanations, discussions and questions and answers, as well as giving gifts to mothers who understand this service material. After that, assistance was provided to Perwiritan Nurul Hidayah women to help use financial technology in transactions. The result of the service is that housewives can use financial technology in business activities and household activities. Housewives know how to take advantage of digital technology to enjoy financial services from various financial services.
Digital Transformation Dynamics: A Comprehensive Analysis of Financial Climate Risk and Leverage on Digital Asset Performance in the Fintech Ecosystem Ajmilia, Qori Fadla; Gea, Edi Zaman Berkat; Sadalia, Isfenti
Jurnal Bisnis dan Manajemen West Science Vol 4 No 01 (2025): Jurnal Bisnis dan Manajemen West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jbmws.v4i01.1776

Abstract

This study investigates the impact of financial climate risk and financial leverage on digital asset performance within the Indonesian fintech ecosystem. Employing an explanatory quantitative approach with a cross-sectional design, the research analyzed 18 digital financial institutions, including digital banks, fintech platforms, cryptocurrency platforms, digital startups, and digitally transforming conventional banks. Data was collected from secondary sources covering the period 2021-2024, utilizing the Climate Vulnerability Index (CVI), Debt to Equity Ratio (DER), and Digital Asset Performance Index (DAPI). Multiple linear regression analysis was conducted using SPSS to examine the relationships between variables. The findings reveal significant correlations between financial climate risk, financial leverage, and digital asset performance. Climate Vulnerability Index demonstrated a negative relationship, while Debt to Equity Ratio showed a positive relationship with digital asset performance. The research contributes to understanding the complex dynamics of digital financial ecosystems, offering insights for strategic investment and risk management in the evolving digital financial landscape.
Optimal Portfolio Analysis of LQ-45 Stocks Based on Capital Asset Pricing Model Tobing, Ainun Sakinah L; Fitri, Nur Aisyah; Ajmilia, Qori Fadla; Sadalia, Isfenti
West Science Business and Management Vol. 2 No. 04 (2024): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v2i04.1443

Abstract

Analysis of optimal portfolio formation for LQ-45 stocks using the Capital Asset Pricing Model (CAPM) is an interesting and complex topic in financial management. This study aims to calculate the expected return and systematic risk of each LQ-45 stock, and evaluate the combination of these stocks to form an optimal portfolio. By using CAPM and Modern Portfolio Theory (MPT), this study can provide a comprehensive framework to understand the risk-return dynamics of stock investment. Despite the limitations of CAPM, this study shows that CAPM remains an important tool in investment analysis. Recommendations for future research are to conduct further empirical analysis to test the effectiveness of CAPM in various market conditions and develop models that combine CAPM with additional factors to improve return prediction.
Digital Transformation Dynamics: A Comprehensive Analysis of Financial Climate Risk and Leverage on Digital Asset Performance in the Fintech Ecosystem Ajmilia, Qori Fadla; Gea, Edi Zaman Berkat; Sadalia, Isfenti
Jurnal Bisnis dan Manajemen West Science Vol 4 No 01 (2025): Jurnal Bisnis dan Manajemen West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jbmws.v4i01.1776

Abstract

This study investigates the impact of financial climate risk and financial leverage on digital asset performance within the Indonesian fintech ecosystem. Employing an explanatory quantitative approach with a cross-sectional design, the research analyzed 18 digital financial institutions, including digital banks, fintech platforms, cryptocurrency platforms, digital startups, and digitally transforming conventional banks. Data was collected from secondary sources covering the period 2021-2024, utilizing the Climate Vulnerability Index (CVI), Debt to Equity Ratio (DER), and Digital Asset Performance Index (DAPI). Multiple linear regression analysis was conducted using SPSS to examine the relationships between variables. The findings reveal significant correlations between financial climate risk, financial leverage, and digital asset performance. Climate Vulnerability Index demonstrated a negative relationship, while Debt to Equity Ratio showed a positive relationship with digital asset performance. The research contributes to understanding the complex dynamics of digital financial ecosystems, offering insights for strategic investment and risk management in the evolving digital financial landscape.
Co-Authors Fitri, Nur Aisyah Gea, Edi Zaman Berkat isfenti sadalia Sembiring, Robert Sanjaya Tobing, Ainun Sakinah L yeni absah