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All Journal INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) Journal of Community Dedication
Hety Devita
Universitas Mulia Balikpapan
Economics, Econometrics & Finance

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BAD DEBTS IN BANKING: MANAGEMENT AND PREVENTION STRATEGIES Hety Devita; Irsyad Kamal; Lukman Hakim
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 4 (2025): APRIL
Publisher : Adisam Publisher

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This research produced key findings related to the causes, handling, and preventive efforts of non-performing loans. The analysis revealed that the main causative factors are the debtors' inability to manage their finances and economic fluctuations. This inability is often caused by miscalculations or a sudden drop in income, such as a decline in business sales or job loss. Conversely, economic turmoil such as inflation, high interest rates, or recession also exacerbates the situation, making it difficult for debtors to meet payment obligations. Dealing with non-performing loans requires a layered approach that is customized, depending on the specific conditions of the debtor and creditor. One effective method is loan restructuring, which involves modifying the terms and conditions of the loan to make it more affordable for the debtor. In addition, asset seizure and liquidation is also a last resort to reduce losses for creditors. Enforcement of credit risk management through stricter evaluation of creditworthiness and utilization of advanced technology is also important to minimize the risk of future non- performing loans. For the prevention of non-performing loans, continuous financial education and good communication with debtors are essential first steps. Financial education programs can help individuals and businesses understand better financial management, while proactive communication between lenders and borrowers provides early warning of potential financial problems. In addition, the implementation of stricter credit policies and closer monitoring of creditor performance are also important steps in the prevention of non-performing loans before the problem becomes unmanageable. Overall, the handling and prevention of non-performing loans requires good coordination and a comprehensive approach from various relevant parties. Lenders need to develop more sophisticated procedures and tools for risk evaluation and management, while borrowers need to be adequately educated on financial management. With these collective efforts, the risk of non-performing loans can be minimized and financial stability at the micro and macro levels can be better ensured.
THE DEVELOPMENT OF FINANCIAL RISK MANAGEMENT CONCEPTS IN INDONESIAN COMPANIES: A LITERATURE REVIEW Hety Devita; Muhamad Eko Wahyu Umaryadi; Nurul Huda Yus'an
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 11 (2025): AUGUST
Publisher : Adisam Publisher

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This study aims to examine the development of financial risk management concepts in Indonesian companies through a literature review. The study traces the transformation of risk management from before the 1997 Asian economic crisis to the era of digitalisation and global market integration. The results of the study show that initially, risk management practices in Indonesia were administrative and reactive. However, the economic crisis triggered a paradigm shift towards the implementation of a more structured and comprehensive risk management system, driven by regulatory policies and the adoption of international standards such as ISO 31000 and the Enterprise Risk Management (ERM) concept. The integration of technology and the development of fintech also presented new challenges, prompting companies to continue strengthening their risk management capabilities. Regulatory support, human resource readiness, and organisational culture are key factors in the successful implementation of financial risk management in Indonesia. Overall, the development of this concept provides an important foundation for companies to enhance their resilience and competitiveness amid the increasingly complex business environment.
ANALYSIS OF THE DEVELOPMENT OF FINANCIAL MANAGEMENT CONCEPTS FROM THE PERSPECTIVE OF AGENCY THEORY AND CORPORATE VALUE: A LITERATURE REVIEW OF GLOBAL RESEARCH TRENDS AND STRATEGIC IMPLICATIONS IN THE DIGITAL AGE Hety Devita; Muhamad Eko Wahyu Umaryadi; Musilatin Nikmah
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 7 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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This article analyses the evolution of financial management concepts through the perspective of agency theory and corporate value. The method used is a literature review. The results of the study found that agency theory has evolved from the classic principal-agent conflict to digital agency theory, which utilises AI monitoring, blockchain transparency, and real-time analytics to reduce agency costs while increasing firm value through Tobin's Q and market-to-book ratio. Digital transformation (DT) has proven to be a key enabler of corporate value through operational efficiency (RPA, predictive maintenance), governance transparency (smart contracts), and the creation of intangible assets (data platforms, ESG disclosure), despite showing a partial negative profitability effect on capital-intensive industries such as Indonesian mining (BUMI, ADRO). Strategic implications include hybrid governance models, capital structure optimisation based on intangible assets, and alignment of DT-company dynamics to achieve sustainable competitive advantage. Further research is recommended on empirical testing of digital agency theory in ASEAN emerging markets, moderated by digital maturity and institutional ownership.
EFFECTIVENESS OF FUNDAMENTAL AND TECHNICAL ANALYSIS TECHNIQUES IN PREDICTING STOCK MOVEMENTS: A REVIEW OF THE LITERATURE AND ITS IMPLICATIONS Hety Devita; Muhamad Eko Wahyu Umaryadi; Prawhida Surya Buana
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 5 (2024): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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This study aims to review the effectiveness of fundamental and technical analysis techniques in predicting stock movements and their implications for investors. Fundamental analysis focuses on a company's financial condition, business performance, and macroeconomic factors to estimate the intrinsic value of a stock, while technical analysis uses historical price and trading volume data to identify market patterns and trends. A literature review shows that each method has advantages and limitations. Fundamental analysis is more suitable for long-term investments as it provides an in-depth view of a company's growth prospects, while technical analysis is more useful in short- and medium-term decision-making due to its ability to identify trading signals based on recent market behaviour. The conclusion of this study highlights that a combination of both techniques can support a more comprehensive and effective investment strategy, by optimising portfolio performance and minimising risk under various market conditions.
THE ROLE OF UMKM IN DRIVING THE LOCAL ECONOMY: A LITERATURE ANALYSIS Hety Devita; Muhamad Eko Wahyu Umaryadi; Wahab Wahab
JOURNAL OF COMMUNITY DEDICATION Vol. 3 No. 1 (2023): Journal of Community Dedication
Publisher : Adiba Aisha Amira

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MSMEs (Micro, Small and Medium Enterprises) have an important position in running the wheels of regional economic growth by creating jobs, reducing unemployment, and strengthening economic inclusion in various regions. This research discusses the vital role of MSMEs in empowering the local economy through job creation, increasing competitiveness through product innovation, and contributing to local revenue. In addition, MSMEs also drive the growth of supporting industries such as logistics, marketing, and wholesale trade, ultimately creating a more open and sustainable business ecosystem. However, to make the most of the role of MSMEs, several strategic measures are needed, including strengthening access to capital and financing through the People's Business Credit (KUR) programme and financial technology, improving the quality of human resources through entrepreneurship and management training, and improving physical and digital infrastructure. In addition, the government needs to develop policies and regulations that support the growth of MSMEs by simplifying the licensing process, providing tax incentives, and ensuring strong legal protection for MSME players. This study concludes that with the right policy support and coordinated strategic measures, MSMEs have great potential to become a resilient and sustainable engine of the local economy, and contribute significantly to open national economic growth.
Co-Authors Irsyad Kamal Lukman Hakim Muhamad Eko Wahyu Umaryadi Muhamad Eko Wahyu Umaryadi Musilatin Nikmah Nurul Huda Yus'an Prawhida Surya Buana Wahab Wahab