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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis MAKSI BULETIN AL-RIBAATH JURNAL PRODUKTIVITAS Journal of Humanities and Social Studies GERVASI: Jurnal Pengabdian kepada Masyarakat International Journal of Economics Development Research (IJEDR) Jurnal Akademi Akuntansi (JAA) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Journal Of World Science Electronic Journal of Education, Social Economics and Technology IIJSE INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Fuad Ramdhan Ryanto
Universitas Muhammadiyah Pontianak
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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Journal : Journal of Humanities and Social Studies

 1 
The Influence Of Financial Literacy, Ease Of Access, And Cost Efficiency On The Financial Optimization Of Users Of Seabank Digital Services Umami, Reza; Ryanto, Fuad Ramdhan
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.11884

Abstract

Research Objective: This study investigates the influence of financial literacy, ease of access, and cost efficiency on the financial optimization of Sea Bank digital service users. Design/Methodology/Approach: Employing a quantitative methodology within an associative framework, this research collected data through a digital questionnaire distributed online. The study population comprised active Sea Bank users in Indonesia, estimated at approximately 10 million. A purposive sampling technique was used to select 100 participants based on specific qualifications, such as their level of engagement and utilization of Sea Bank services. Data were analyzed using SPSS version 26. Research Findings: (1) Financial literacy positively and significantly impacts financial optimization. (2) Ease of access positively and significantly influences financial optimization. (3) Cost efficiency positively and significantly affects financial optimization. (4) Collectively, the three variables exert a positive and significant effect on financial optimization. Theoretical Contribution/Originality: This research contributes to financial knowledge by emphasizing the role of monetary literacy within the context of digital banking platforms, particularly Sea Bank. By proposing an analytical model linking financial literacy, ease of access, and cost efficiency to financial optimization, the study offers valuable insights for the existing literature and serves as a foundation for future research. The findings also reinforce efforts to promote financial education and awareness in society, while paving the way for further exploration of other factors that may influence financial optimization among digital banking users.
The Influence Of Fintech Payment, Financial Literacy, And Financial Self-Efficacy On Financial Management Of Civil Servants Of The Ministry Of Law And Ham Pontianak Sindi, Sindi; Ryanto, Fuad Ramdhan
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.11834

Abstract

The rapid progression of digital technology has profoundly impacted financial behavior, especially via the extensive use of fintech technologies like pay-later services, mobile banking, and e-wallets. Although these technologies provide ease, they may also result in poor money management and impulsive spending. This research investigates the financial management practices of public officials in the Pontianak Ministry of Law and Human Rights concerning fintech payments, financial literacy, and financial self-efficacy. A quantitative associative methodology was used to collect data from 150 respondents selected via purposive sampling. The investigation, conducted using multiple linear regression, indicates that fintech payments, financial literacy, and financial self-efficacy significantly enhance financial management. The regression equation Y = 1.539 + 0.105X1 + 0.209X2 + 0.589X3 indicates that financial self-efficacy has the most substantial impact, followed by fintech payments and financial literacy. The findings suggest that fintech payments enhance transaction efficiency; yet, a lack of understanding and self-discipline may result in financial irresponsibility. Participants with improved financial literacy demonstrated advancements in planning, budgeting, and differentiating between requirements and wants. Likewise, those with heightened financial self-efficacy had more confidence in their financial management, leading to a decrease in impulsive spending. This study underscores the need of improving financial education and fostering self-efficacy to enable people to optimize the advantages of fintech while minimizing dangers. These findings provide significant insights for organizations and authorities seeking to enhance the financial welfare of government personnel in a more digital landscape.
Performance Analysis Using the Balanced Scorecard Approach at Dr. Soedarso Regional General Hospital West Kalimantan Province Utami, Tramilia Salsabila; Ryanto, Fuad Ramdhan
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12682

Abstract

This study analyzes the performance of Dr. Soedarso Regional General Hospital in West Kalimantan Province during the period 2021–2024 using the Balanced Scorecard approach. Measurements were conducted from the perspectives of finance, customers, internal business processes, and learning and growth. The results show a decrease in ROI from 12% to 9%, but cost efficiency remained relatively stable at around 82–84%. Patient acquisition experienced fluctuations, with a decline in 2022 and a subsequent increase in the following year. Overall customer satisfaction levels were categorized as good. Internal business process indicators such as BOR, ALOS, TOI, BTO, NDR, and GDR were within the established standard ranges. Employee productivity was recorded at 1,659,948 per day with an employee retention rate of 91%. Employee satisfaction is generally rated as good, although there are notes on career progression and room for suggestion submission. This data provides an overview of the hospital's performance from various perspectives in accordance with the Balanced Scorecard methodology. 
Co-Authors Alamsyah, Ifan Pradipra Anggraina, Maya Astri Sulistiani Bio Allamanda Dedi Hariyanto Dinda Pratiwi Edy Suryadi Elvira, Dhina Citra Eva Pujianti Fenni Supriadi Fevi Tamsihani Fitri Hidayati Laily Ramadhani M. Khairul Anwari Melinda Tri Sundari Muhammad Nur Rizki Mulya Syahbandi Pramanda, Rapita PUTRI, TIARA Reza Umami, Reza Sindi, Sindi Sofia Adela Putri Suhada, Muhammad Nazar Sulastri Sulastri Utami, Tramilia Salsabila