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International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT)

IHERT
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Published by Universitas Efarina

ISSN : - EISSN : 29861985 DOI : https://doi.org/10.54443/ihert

Core Subject : Economy, Health, Science, Education,

Computer Science & IT Economics, Econometrics & Finance Education Health Professions

International Conference on Health Science, Green Economics, Educational Review and Technology is an annual routine conference held by Efarina University as a forum for scientists around the world to make scientific contributions in the fields of Health Science, Green Economics, Educational Review and Technology. Papers submitted by participants are presented in open access through this website to be read and downloaded for free as a reference to enrich scientific studies. Published papers are also indexed by international and national institutions.

Arjuna Subject : Umum - Umum

Articles 354 Documents

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MACHINE LEARNING PARADIGMS IN BANKING AND FINANCE: TRANSFORMING RISK ASSESSMENT, FRAUD DETECTION, AND CUSTOMER INTELLIGENCE FOR SUSTAINABLE ECONOMIC GROWTH Rishabh Vinod Kumar Dubey; Dr. Ravinder Singh Madhan
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 7 No. 2 (2025): 10th IHERT (2025): IHERT (2025) SECOND ISSUE: International Conference on Healt
Publisher : Universitas Efarina

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The integration of machine learning (ML) into banking and financial services represents one of the most consequential technological transformations of the twenty-first century. This paper presents a comprehensive, multi-dimensional analysis of ML applications across five core banking domains: credit risk modelling, real-time fraud detection, algorithmic trading, customer relationship management (CRM), and regulatory compliance (RegTech). Drawing on a systematic literature review of 187 peer-reviewed studies published between 2015 and 2025—supplemented by empirical data from 34 global financial institutions spanning North America, Europe, Southeast Asia, and the Gulf Cooperation Council—we evaluate the performance trajectories of classical statistical models against contemporary deep learning architectures including long short-term memory (LSTM) networks, transformer-based models, and graph neural networks (GNNs). Our findings demonstrate that ensemble-based ML models reduce non-performing loan (NPL) ratios by an average of 23.4%, while convolutional neural network (CNN) pipelines achieve fraud-detection precision exceeding 97.8% at sub-millisecond latency. We critically examine regulatory compliance under the EU AI Act (2024) and Basel IV, algorithmic fairness, and federated learning for cross-institutional privacy-preserving collaboration. The paper additionally maps ML innovation onto the green economics agenda ESG scoring, green bond verification, and climate-risk stress testing themes central to the ICHSGEET mandate. We conclude with a forward-looking roadmap identifying quantum-ML hybridisation, causal inference, and large language models as the next frontier of financial intelligence.

DETERMINANTS OF FINANCIAL PERFORMANCE IN MANUFACTURING FIRMS: THE ROLE OF CAPITAL STRUCTURE, LIQUIDITY, AND FIRM SIZE Mangasi Sinurat; Nursaimatussaddiya; Rico Nur Ilham; Frengki Putra Ramansyah
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 7 No. 2 (2025): 10th IHERT (2025): IHERT (2025) SECOND ISSUE: International Conference on Healt
Publisher : Universitas Efarina

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Purpose – This study examines the effect of capital structure, liquidity, and firm size on financial performance. This topic is important because financial performance reflects a company’s ability to generate profits and sustain its operations, while internal financial factors such as debt policy, liquidity position, and firm scale play a crucial role in determining that performance. Design/methodology/approach – This research employs a quantitative approach using secondary data derived from companies’ financial statements. The analysis is conducted using multiple regression, with hypothesis testing through t-tests to assess partial effects and F-tests to evaluate simultaneous effects of the independent variables on financial performance. Findings/Results – The results show that capital structure has a negative and significant effect on financial performance, while liquidity and firm size have positive and significant effects. These findings indicate that lower reliance on debt and stronger liquidity positions contribute to improved profitability, and larger firms tend to perform better financially. Originality/Value – This study highlights the importance of balancing debt usage, maintaining liquidity, and leveraging firm size to enhance financial performance. The findings provide practical implications for managers in making financial decisions and contribute to the existing literature by offering empirical evidence on the combined effects of these key financial factors.

THE EFFECT OF DIGITAL PAYMENT, DIGITAL TRANSFORMATION, AND DIGITAL BANKING ON FINANCIAL PERFORMANCE OF MSMES IN KOTA JUANG DISTRICT, BIREUEN REGENCY Nurlela; Chairil Akhyar; Muchsin; Salsabila Prina Wahyuni
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 7 No. 2 (2025): 10th IHERT (2025): IHERT (2025) SECOND ISSUE: International Conference on Healt
Publisher : Universitas Efarina

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This study aims to analyze the effect of Digital Payment, Digital Transformation, and Digital Banking on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Kota Juang Subdistrict, Bireuen Regency. A quantitative technique based on a survey methodology was used in this research. A total of 1,245 micro-enterprises operating in the trade sector formed the research population. A purposive sampling approach was employed to select 93 businesses, with proportions determined using the Slovin formula. Questionnaires served as the primary data source, which were then analyzed using multiple linear regression analysis in SPSS. The findings indicate that the financial performance of MSMEs is positively and significantly influenced by digital payments. Meanwhile, digital banking and digital transformation show a smaller yet positive impact on financial performance. The limited utilization of digital technology and banking services among micro-enterprises suggests that these factors have not yet had a significant effect in improving their financial performance.

ANALYSIS OF SHARIA FINANCIAL MANAGEMENT The Accountability of Gampong Fund Management in Langsa City Iskandar
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 8 No. 1 (2026): 11th IHERT (2026): IHERT (2026) FIRSTISSUE: International Conference on Health
Publisher : Universitas Efarina

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This article aimed for analyzing the fund management of Gampong (another name for village in Aceh) based on Islamic financial management in Langsa City. This phenomenological study involved twelve key informants using interviews, observation and documentation as data collection techniques. The method used was qualitative descriptive in identifying several main problems, including: 1) What is the system for managing gampong funds in Aceh; 2) How is the gampong fund management system according to Islamic financial management; and 3) What is the impact of village fund management on the welfare of the community in Langsa City. To explain the fund management system sourced from State Budget (APBN), the researcher used a general financial analysis describing the various phenomenological conditions of the village fund management system in Indonesia. The qualitative search results showed that the management of gampong funds in Langsa City is guided by the provisions stipulated in Ministry of Home Affairs Regulation (Permendagri) Number 113 of 2014 concerning Village Financial Management, that Village Financial Management consists of Planning, Budgeting, Request Mechanism and Disbursement, Use, Supervision and Accountability. The financial management of gampong fund sourced from the APBN/ADG in the Aceh Province, according to Aceh Government Law (UUPA) Number 11 of 2006 must be managed based on sharia financial management. However, in its implementation there are still obstacles in the absence of a specific qanun on sharia financial management and it is also caused by central policy procedures that have not fully adopted the sharia management system. The attitude of caution for gampong fund managers in Langsa City, which comes from the APBN, is also influenced by the movement to enforce Islamic law in the financial sector. Monitoring and supervision of the implementation of the gampong financial management system must always be guided by the national financial system and must also be in accordance with the sharia financial system which is specifically the authority of the gampong apparatus.

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Suzanna Josephine L. Tobing

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Abstract

Abstract

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Suzanna Josephine L. Tobing

Contact Email admin@unefaconference.org

Phone +62622-29844

Journal Mail Official admin@unefaconference.org

Editorial Address Jl. Sutomo Griya Hapoltakan Raya Kav. 1-10 Pematang Raya , Kab. Simalungun, Provinsi Sumatera Utara, 21162

Location Kab. simalungun, Sumatera utara INDONESIA

Abstract

Abstract

Abstract

Abstract

Contact Name
Suzanna Josephine L. Tobing

Contact Email
admin@unefaconference.org

Phone
+62622-29844

Journal Mail Official
admin@unefaconference.org

Editorial Address
Jl. Sutomo Griya Hapoltakan Raya Kav. 1-10 Pematang Raya , Kab. Simalungun, Provinsi Sumatera Utara, 21162

Location
Kab. simalungun,

Sumatera utara

INDONESIA