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All Journal Berajah Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Ansella Thalita Hulu, Ruth
Unknown Affiliation
Arts Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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TRANSFORMASI DIGITAL DALAM MANAJEMEN KEUANGAN: TINJAUAN LITERATUR TERSTRUKTUR TERHADAP PERAN FINTECH DALAM EFISIENSI DAN INKLUSI KEUANGAN Nauli, Kembang; Nauli, Harum; Ansella Thalita Hulu, Ruth; Munthe, Kornel; Silalahi, Donalson
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 6 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i6.2836

Abstract

The development of fintech has revolutionized financial management by driving operational efficiency and expanding financial inclusion in various regions. This article presents a structured literature review using the SCISCAPE method to analyze the role of fintech in the digital transformation of financial management. The study identifies positive trends in fintech adoption and its contribution to increasing access to financial services, but also reveals significant challenges such as low digital literacy, inadequate regulation, and data security risks. In addition, this article underlines the need for further research that focuses on fintech sustainability, ESG principle integration, and its social impact. The SCISCAPE approach has proven effective in providing a comprehensive and critical overview of fintech research developments, while opening new directions for future studies. These findings are expected to be a reference for researchers, practitioners, and policymakers in developing an inclusive, safe, and sustainable fintech ecosystem.
PENGARUH ARUS KAS DAN PERTUMBUHAN LABA TERHADAP STABILITAS FINANCIAL EMITEN KONSTRUKSI DI BURSA EFEK INDONESIA YANG DI MODERASI PERAN EFISIENSI OPERASIONAL Nauli, Kembang; Silalahi, Donalson; Munthe, Kornel; Ansella Thalita Hulu, Ruth; Theresia Br Barus, Adriana
Berajah Journal Vol. 5 No. 3 (2025): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v5i3.614

Abstract

This study aims to examine how operational efficiency is perceived to moderate the influence of cash flow and profit growth on the financial stability of companies, particularly in construction companies listed on the Indonesia Stock Exchange (IDX). The approach used is qualitative, based on literature review and conceptual analysis. The results indicate that cash flow is considered a key indicator of business sustainability in the construction sector, while profit growth is understood as a signal of managerial success that requires critical examination. Operational efficiency, which encompasses cost control, project management, and technology utilization, plays a significant role in strengthening the positive impact of cash flow and profit on financial stability. However, contextual factors such as project delays, regulations, and material price fluctuations also influence the effectiveness of this relationship. This study emphasizes the importance of efficiency as an adaptive strategy in building long-term financial resilience in the dynamic and high-risk construction sector.
Co-Authors Nauli, Harum Nauli, Kembang Silalahi, Donalson Theresia Br Barus, Adriana