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All Journal Al-Zayn: Jurnal Ilmu Sosial & Hukum JIMEK
Alsheira Nasywa
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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Analisis Pengaruh E-Wallet Terhadap Perilaku Menabung dan Pengeluaran Konsumen di Indonesia Siti Afiyah Hardinar Nazhifah; Zakia Zamielna Putri; Shandy Zahra Permadi; Shakila Dian Nova; Alsheira Nasywa; Ahmad Setiawan Nuraya
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 1 (2025): Maret : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i1.6402

Abstract

This study aims to analyze the effect of e-wallet usage on consumer savings behavior and spending patterns in Indonesia. In the digital era, e-wallets have become a commonly used transaction tool due to their convenience, speed, and various promotional features offered. However, behind their convenience, e-wallets also pose new challenges in personal financial management, such as increased consumer behavior and decreased savings intentions. This study uses a quantitative explanatory approach with a cross-sectional survey design to understand the relationship between the intensity of e-wallet usage and consumer savings and spending habits. The results of the study show that ease of transactions and digital incentives can encourage spontaneous consumption behavior and weaken awareness of the importance of saving. However, with adequate digital financial literacy, e-wallets also have the potential to be a tool in managing finances wisely. This study emphasizes the importance of digital financial education so that people can utilize financial technology in a healthy and sustainable manner.
Analisis Manajemen Risiko pada Perusahaan Bank Shinhan Shakila Dian Nova; Muhammad Zhafran Syahputra; Agus Rizky Pandapotan Siagian; Alsheira Nasywa; Anggita Angraini; Ahmad Setiawan Nuraya
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.3069

Abstract

Industri perbankan memiliki peran penting dalam perekonomian, namun rentan terhadap risiko kredit, operasional, pasar, dan reputasi. Penelitian ini menganalisis manajemen risiko di Bank Shinhan Indonesia menggunakan pendekatan Enterprise Risk Management (ERM). Data primer diperoleh melalui wawancara dengan Operational Service Manager dan observasi langsung, sedangkan data sekunder berasal dari literatur, jurnal, dan laporan keuangan. Hasil penelitian menunjukkan risiko utama mencakup risiko sumber daya manusia, operasional, dan eksternal, termasuk perubahan regulasi dan risiko siber Risiko dikategorikan menjadi tinggi, sedang, dan rendah, dengan fokus mitigasi pada risiko sedang dan tinggi melalui pelatihan staf, kepatuhan SOP, dual control, audit internal,dan penguatan sistem keamanan informasi. Penerapan manajemen risiko secara efektif membantu menjaga stabilitas operasional, kepercayaan nasabah, dan mendukung prinsip Good Corporate Governance
Co-Authors Agus Rizky Pandapotan Siagian Ahmad Setiawan Nuraya Anggita Angraini Muhammad Zhafran Syahputra Shakila Dian Nova Shandy Zahra Permadi Siti Afiyah Hardinar Nazhifah Zakia Zamielna Putri