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All Journal Jurnal Ilmiah Akuntansi dan Finansial Indonesia Jurnal Puan Indonesia
Indriani, Gina Putri
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Economics, Econometrics & Finance Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health

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EDUKASI NASABAH TERKAIT GANGGUAN BI-FAST DAN RESPONS BANK MUAMALAT CABANG BATAM MELALUI PROGRAM SUBSIDI BIAYA TRANSAKSI Indriani, Gina Putri; Mustika, Ita; Richmayati, Maya; Fadlilah, Andi Hidayatul; Laili, Nur Isra
PUAN INDONESIA Vol. 7 No. 2 (2026): Jurnal Puan Indonesia Vol 7 No 2 januari 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v7i2.449

Abstract

Transformasi layanan digital perbankan telah membawa perubahan signifikan dalam pola transaksi masyarakat, salah satunya melalui hadirnya layanan BI-FAST. Layanan ini memungkinkan transfer antarbank secara real-time dengan biaya lebih rendah, sehingga diminati oleh nasabah. Bank Muamalat Indonesia Tbk mengintegrasikan layanan BI-FAST melalui aplikasi Muamalat DIN untuk mendukung efisiensi transaksi nasabah. Namun, terjadi gangguan pada layanan BI-FAST yang mengakibatkan nasabah tidak dapat menggunakannya sementara waktu. Akibatnya, nasabah harus menggunakan metode transfer lain seperti SKN dan RTOL dengan biaya lebih tinggi, memicu keluhan terutama dari nasabah yang rutin bertransaksi antarbank. Sebagai langkah responsif, Bank Muamalat meluncurkan program Subsidi Biaya Transaksi Real-Time Online Transfer yang memberikan cashback Rp 4.000 per transaksi maksimal tiga kali dalam sebulan. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan komunikasi langsung interpersonal. Penulis berinteraksi aktif dengan nasabah untuk menggali pengalaman, persepsi, dan harapan mereka. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi, kemudian dianalisis secara tematik. Hasil penelitian menunjukkan bahwa program subsidi membantu menekan keluhan nasabah dan menjaga loyalitas penggunaan kanal digital bank. Namun, perbaikan sistem teknologi dan penguatan komunikasi nasabah tetap diperlukan agar kualitas layanan digital lebih andal dan risiko gangguan dapat diminimalkan di masa mendatang.Keywords — BI-FAST, layanan digital perbankan, subsidi biaya transaksi, komunikasi interpersonal, Bank Muamalat, manajemen resiko layanan.
The Effect of Profitability, Capital Structure, and Firm Size on Company Value Indriani, Gina Putri
urn:nbn:id:umrah-jafi.v9i1.2025.001jiafi.v9i2
Publisher : Prodi Akuntansi FEBM Universitas Maritim Raja Ali Haji

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31629/mbdtgp49

Abstract

The intention of this investigation is to investigate how capital structure, profitability, also company size affect firm value in businesses in the consumer goods industry's non-durable home products subsector that are listed on the IDX between 2020 and 2024. This research is motivated by fluctuations in company value indicated in PBV or “price-to-book value” ratio, which were influenced by capital market dynamics and economic conditions during and after the COVID-19 pandemic. Variations in profitability, increasing production and distribution costs, and the use of external financing raise concerns regarding the elements that determine firm value in this sector. Using secondary data from yearly financial reports from IDX and official corporation websites, this study employs a quantitative methodology. Purposive sampling was used to determine the sample, yielding six firms with thirty observations. Multiple linear regression using SPSS 25 was used to analyze the data, with the use of coefficient of determination analysis, t-tests, F-tests, and traditional assumption tests. The results demonstrate that business size has a positive but statistically negligible impact on company value, but capital structure also profitability have a considerable positive impact. With an R2 value of 0.841, indicates the model employed in this study can account for 84.1% of the variance in company value, all three factors simultaneously have a considerable affect on company value. The finding highlight profitability and financing decisions are key determinants of firm value in the non-durable household products subsector.
Co-Authors Andi Hidayatul Fadlilah Maya Richmayati Mustika, Ita Nur Isra Laili