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All Journal juremi: jurnal riset ekonomi Journal of Innovative and Creativity Jurnal Ekonomi dan Bisnis
Cesilia Arum Septianingsih
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Penipuan Pinjaman Online di Indonesia: Modus Pelaku dan Strategi Pencegahan Una, Bachrudin K.; Cesilia Arum Septianingsih; Putri Ratnasari; Andi Urfia Awaliah
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2736

Abstract

Penelitian ini mengkaji fenomena penipuan fintech lending ilegal (pinjaman online) yang marak terjadi di Daerah Istimewa Yogyakarta, khususnya selama masa pandemi COVID-19. Metode yang digunakan adalah pendekatan kualitatif dengan studi kasus, melalui wawancara mendalam terhadap pegawai OJK, Satgas Waspada Investasi, serta korban pinjol ilegal. Analisis dilakukan dengan perangkat lunak NVivo 11 berdasarkan teori Routine Activity Theory, yang menyoroti kejahatan sebagai hasil interaksi antara pelaku, korban, dan ketiadaan pengawasan. Hasil penelitian menunjukkan bahwa rendahnya literasi keuangan dan tingginya desakan ekonomi menjadi faktor utama masyarakat terjebak pinjol ilegal. Modus-modus penipuan yang ditemukan antara lain pinjaman beranak, pencairan fiktif, intimidasi, dan penyebaran data pribadi. Selain itu, kelemahan sistem pelaporan OJK, keterbatasan edukasi, dan kendala teknis memperburuk perlindungan terhadap korban. Penelitian ini merekomendasikan peningkatan literasi digital, publikasi rutin daftar pinjol legal/ilegal, serta koordinasi lintas lembaga untuk pencegahan dan penindakan yang lebih efektif terhadap penipuan pinjaman online.
PENGARUH PERCEIVED SECURITY DAN DESENTRALISASI TERHADAP MANFAAT FINANSIAL PADA ASET KRIPTO Yusti Pujisari; Fiki Kartika; Cesilia Arum Septianingsih
Jurnal Ekonomi Dan Bisnis Vol 19 No 2 (2025): JEB Vol 19 No 2 Juli 2025
Publisher : LPPM STIE YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53916/jeb.v19i2.111

Abstract

Crypto assets have become part of investment products legalized by the government in Indonesia, especially under the supervision of Otoritas Jasa Keuangan (OJK). This study aims to test whether there is an influence of perceived security on financial benefits, the influence of decentralization on financial benefits and the simultaneous influence of perceived security and decentralization perception on financial benefits on crypto assets. The sampling method is purposive sampling, namely individuals who have or have crypto assets or have never owned them, but have good knowledge of crypto assets. A questionnaire was used to collect data, using a 5-point Likert scale, namely strongly agree to strongly disagree. With a total of 34 respondents, the results showed that decentralization has a significant positive effect on financial benefits, with a significance level of 0.00. Meanwhile, perceived security does not have a significant positive effect on financial benefits, with a significance level of 0.143. Simultaneous testing also showed significant results with a significance level of 0.01. These results indicate that perceived security is not a factor in obtaining future financial benefits, especially for crypto assets. While the main characteristic of crypto assets, namely decentralization, is a factor that influences the desire to obtain financial benefits in the future.
PENGARUH PROFITABILITAS, UKURAN PERUSAHAAN DAN PERTUMBUHAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN DENGAN STRUKTUR MODAL SEBAGAI VARIABEL MODERASI (Studi Empiris pada Perusahaan Sektor Transportasi dan Logistik yang Terdaftar di Bursa Efek Indonesia Periode Rizkia Ayu Salsabila Rosyidi; Eni Dwi Susliyanti; Cesilia Arum Septianingsih; Andi Urfia Awaliah
Juremi: Jurnal Riset Ekonomi Vol. 4 No. 1: Juli 2024
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/juremi.v4i1.8449

Abstract

This research was conducted to examine the effect of profitability, firm size and firm growth on firm value and to test moderation using the capital structure in transportation and logistics sector companies listed on the Indonesia Stock Exchange for the 2018-2021 period. Data obtained from the Indonesia Stock Exchange (IDX) website, www.idx.co.id. The method used was purposive sampling with a final data sample 31. The data analysis used was t test and Moderated Regression Analysis (MRA). The results of this study indicate that profitability has a significant positive effect on firm value while firm size and firm growth have an insignificant negative effect on firm value and capital structure is not able to moderate the profitability of company size and firm growth on firm value
Co-Authors Andi Urfia Awaliah Eni Dwi Susliyanti Fiki Kartika Putri Ratnasari Rizkia Ayu Salsabila Rosyidi Una, Bachrudin K. YUSTI PUJISARI