Claim Missing Document
Check
Articles

Found 3 Documents
Search

Persepsi Konsumen terhadap Transparansi Biaya Perbankan dan Pengaruhnya terhadap Pengelolaan Risiko Keuangan Bank Dianningsih; Kristanto, Giovanny Bangun; Istiningrum, Farida
Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan Vol. 6 No. 1 (2025): Januari
Publisher : Program Studi Manajemen Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/entrepreneur.v6i1.12710

Abstract

This study aims to examine the impact of banking fee transparency on financial risk management in Banyumas Regency. Focusing on five main variables—clarity of fee information, ease of information access, perceived fairness, customer satisfaction, and technological systems—the research involved 116 respondents utilizing digital banking services. A quantitative approach using survey methods was employed to identify causal relationships between independent and dependent variables. The analysis revealed that fee transparency significantly influences consumer trust and loyalty, which, in turn, affects the effectiveness of financial risk management. Ease of information access, customer satisfaction, and technological systems positively and significantly impact financial risk management. Conversely, perceived fairness of fees showed no significant influence. Simultaneously, the five variables collectively contributed significantly to supporting financial risk management. This study highlights the importance of information transparency and technological innovation in creating an inclusive, trustworthy, and sustainable banking system. The findings provide insights for financial institutions to design strategies that strengthen customer relationships and for regulators to develop policies promoting transparency and consumer protection. These efforts are expected to enhance public trust in the banking system and support overall financial stability.
ANALISIS FAKTOR YANG MEMENGARUHI PROFITABILITAS UMKM DI KECAMATAN KALIMANAH PURBALINGGA Dianningsih; Kristianto, Giovanny
Applied Research in Management and Business Vol. 3 No. 2 (2023): Desember 2023
Publisher : Fakultas Ekonomi, Bisnis dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53416/arimbi.v3i2.175

Abstract

Today, MSMEs are increasingly mushrooming and increasing, as indicated by the gross domestic income of a region increasing significantly. Success in the performance of an MSME is marked by an increase in the profitability of the MSME business. Management that regulates the operations of MSMEs has a role in making economic decisions for business continuity. There are several factors that influence the profitability of MSMEs, namely length of business, digital marketing, business location and information technology which are independent variables in this research. This research was conducted in Kalimanah District, Purbalingga Regency with the sample being MSME actors in the culinary sector. The research results show that from the questionnaire distributed to 190 respondents, it can be concluded that partially, the length of business does not affect business profitability. However, digital marketing, business location and information technology partially have a significant and positive influence on the profitability of MSME businesses. Simultaneously, length of business, digital marketing, business location and information technology have a significant and positive influence.
Establishing an Audit-Based Bookkeeping System for Msmes: A Strategic Move Toward Business Sustainability Bangun Kristianto, Giovanny; Dianningsih; Istiningrum, Farida
Majalah Ilmiah UPI YPTK Vol. 32 (2025) No. 2
Publisher : Universitas Putra Indonesia YPTK Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35134/jmi.v32i2.182

Abstract

MSMEs represent a strategic sector in the national economy, contributing approximately 60% to the GDP and absorbing more than 97% of the workforce. However, most MSMEs face serious challenges in financial management, such as the absence of a structured bookkeeping system, low accounting literacy, and minimal internal control. This community service initiative aims to enhance the understanding, skills, and practices of audit-based bookkeeping among MSMEs affiliated with ASPIKMAS in Banyumas Regency. The implementation methods include outreach, training, mentoring, and participatory evaluation, involving lecturers and students as facilitators. The results show that MSME partners participated enthusiastically in the program, with the main challenges identified as limited access to capital, weak financial record-keeping, and suboptimal digital marketing strategies. The implementation of automated Excel templates, mobile-based financial recording applications, and education on basic internal auditing emerged as practical solutions tailored to the partners’ needs. This program contributes to improving financial literacy, strengthening competitiveness, and promoting more transparent and sustainable business practices.