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All Journal Journal of Economic Education and Entrepreneurship Studies Indonesian Journal of Business and Entrepreneurship Research
Irsyad Kamal
Universitas Padjadjaran, Indonesia
Economics, Econometrics & Finance Social Sciences Other

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The Role of Artificial Intelligence in Financial Risk Management in Fintech Companies Siska Yuli Anita; Irsyad Kamal; Loso Judijanto; Johnny Chandra; Rizal Perlambang C NAWP
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 1 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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Abstract

This study aims to examine the impact of the application of Artificial Intelligence (AI) in financial risk management in FinTech companies. With the increasing reliance on technology, AI has great potential in managing various types of risks, such as credit, market and liquidity risks. This study uses a quai-experimental approach by comparing two groups of companies, namely companies that use that do not use AI. The data collected included the level of non-performing (NPLs), market value fluctuations, and liquidity stability, which were analyzed using t-test and ANOVA to identify significant differences between the two groups. The results showed that companies that implemented AI experienced a significant decrease in bad debt rates, more manageable market values fluctuations, and improved liquidity stability. However, the main challenges faced in implementing AI include limited quality data technological comnpetency, and regulatory compliance. Overall, this study reveals that the application of AI can improve the effetiveness of financial risk management in FinTech firms, but requires investment in employee training, technological infrastructure development, and attentionto regulatory aspects to maximize the benefits.
Entrepreneurial Skills and Financial Access: The Mediating Role of Entrepreneurship Education in Shaping Entrepreneurial Interest Irsyad Kamal; Kurnia Khafidhatur Rafiah; Salim Diarra
Indonesian Journal of Business and Entrepreneurship Research Vol. 3 No. 1 (2025): Vol. 3, No. 1, January 2025: Indonesian Journal of Business and Entrepreneurshi
Publisher : Department of Business and Entrepreneurship, Faculty of Economics and Business, Universitas Negeri Makassar

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Abstract

Student entrepreneurial interest is very important to encourage economic growth through job creation. This study aims to analyze the effect of entrepreneurial skills and access to capital on entrepreneurial interest with entrepreneurship education as a mediating variable in Universitas Padjadjaran students. The research method used is quantitative with explanatory descriptive design. Data were obtained using a closed questionnaire distributed digitally through Google Form with a Likert scale to students, then analyzed using path analysis techniques to test the direct and indirect effects between variables. The results showed that entrepreneurial skills have a significant direct effect on entrepreneurial interest and entrepreneurship education. Entrepreneurship education is also proven to have a significant effect on entrepreneurial interest. However, entrepreneurship skills have no significant effect indirectly through entrepreneurship education, while access to capital has no significant effect either directly or indirectly. This study highlights the importance of developing entrepreneurial skills and strengthening practice-based entrepreneurship education programs to increase students' interest in becoming entrepreneurs. Support in the form of relevant training is also recommended to enrich students' skills in starting and running a business.
Co-Authors Johnny Chandra Kurnia Khafidhatur Rafiah Loso Judijanto Matthew Olufemi Adio Rizal Perlambang C NAWP Salim Diarra Siska Yuli Anita