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Muhammad Fauzan
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mankeu.ingreat@gmail.com
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Jl. Prof. M. Yamin, S.H. Tembilahan - Riau
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INDONESIA
MANKEU (JURNAL MANAJEMEN KEUANGAN)
Published by Indragiri Research Center
ISSN : -     EISSN : 2988246X     DOI : https://doi.org/10.61167/mnk.v1i2
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
MANKEU ini fokus pada pengembangan Ilmu Pengetahuan Manajemen Keuangan yang merupakan wadah untuk publikasi ilmiah dan media pertukaran informasi serta karya ilmiah bagi para akademisi. Jurnal ini diterbitkan oleh Lembaga Penelitian Indragiri Research Center (Ingreat) di bawah naungan Yayasan Alfaizan Putra Harapan Indragiri. Di mana dalam setahun karya ilmiah yang diterbitkan empat kali yaitu Bulan Januari-Maret, April-Juni, Juli-September, Oktober-Desember. Diharapkan dengan adanya MANKEU ini dapat memperluas dan meningkatkan kinerja akademis dan pengembangan ilmu Manajemen Keuangan. General Focus and Scope dari Jurnal Manajemen Keuangan (MAKEU) berupa artikel hasil penelitian atau gagasan konseptual dalam ruang lingkup Manajemen Keuangan (Analisa Laporan Keuangan, Analisa Kinerja Keuangan, Manajemen Investasi, Analisa Portofolio).
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 71 Documents
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ANALYSIS OF FINTECH PEER-TO-PEER (P2P) LENDING APPLICATIONS IN IMPROVING FINANCING ACCESS FOR MSMEs IN INDONESIA Lilis Karlina; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.220

Abstract

This study aims to analyze the role of peer-to-peer (P2P) lending fintech applications in improving access to financing for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Using qualitative methods, this study explores several leading fintech applications, including Modalku, Kredivo, Akseleran, and ALAMI Funding Syariah. The results show that these applications provide fast, easy, and transparent financing alternatives for MSMEs that often experience difficulties in obtaining capital from traditional financial institutions. Furthermore, this study identifies differences in business models, market segments, and the benefits and risks faced by users and investors. These findings are expected to provide insights for stakeholders, including the government, industry players, and the public, in efforts to increase financial inclusion in Indonesia. With a better understanding of P2P lending applications, it is hoped that a more inclusive and sustainable financial ecosystem can be created, contributing to national economic growth.
THE ROLE OF FINTECH APPLICATIONS IN IMPROVING INVESTMENT EASE IN INDONESIA M. ILHAM TANJUNG
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.221

Abstract

The development of financial technology (fintech) in Indonesia has transformed how people invest by providing accessibility, transparency, and efficiency in digital financial management. This study aims to analyze the roles of two major fintech applications, Bibit and Indodax, in facilitating investment access and improving digital financial literacy among users. The research employed a literature review and descriptive observation method using data from the Financial Services Authority (OJK), Commodity Futures Trading Regulatory Agency (BAPPEBTI), academic publications, and official company reports. The results show that Bibit excels in user-friendliness and investment education, while Indodax emphasizes flexibility in crypto-asset trading. Both contribute positively to the expansion of digital financial inclusion, although they differ in risk levels. In conclusion, fintech-based investment platforms play a crucial role in promoting more inclusive, efficient, and secure investment practices, yet continuous financial literacy improvement is necessary to ensure responsible risk management among users.
CROWDFUNDING AS A MEANS OF LITERACY AND FINANCIAL INCLUSION IN THE COMMUNITY DESMITA SARI
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 2 No. 3 (2024): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v2i3.222

Abstract

The development of financial technology (fintech) has brought significant changes to the global financial system, including in Indonesia. One of the most rapidly growing innovations is crowdfunding, a public-based funding mechanism conducted through digital platforms. This study aims to explain the role of crowdfunding as a tool to enhance financial literacy and inclusion in the digital era. The research employs a qualitative descriptive literature study approach, utilizing academic references, OJK reports, and case studies of Indonesian crowdfunding platforms such as KitaBisa, GandengTangan, and Bizhare. The results indicate that crowdfunding functions not only as an alternative financing source but also as an educational medium that strengthens public understanding of financial transparency, risk management, and social responsibility. Furthermore, crowdfunding promotes financial inclusion by providing access to capital for underserved groups outside the formal banking system. Therefore, crowdfunding plays a strategic role in fostering an inclusive, transparent, and participatory financial ecosystem.
PUBLIC UNDERSTANDING OF THE USE OF FINTECH INVESTMENT APPLICATIONS INDODAX QUALITATIVE STUDY ON BEGINNER USERS Depita Permata Sari; M. Lutfi Ramdoni; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 2 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i2.233

Abstract

The development of financial technology (fintech) in Indonesia is encouraging presence Various digital investment platforms, including Indodax, are popular as a crypto asset trading app. Ease of access and potential profits attract novice users, but this is not always accompanied by an adequate understanding of app usage, crypto investment concepts, and risks and security. This study aims to determine novice users' understanding of the Indodax app. The study used a qualitative approach through in-depth interviews with informants selected using purposive sampling and analyzed using thematic analysis. The results indicate that novice users' understanding is still limited to basic transaction functions, while their understanding of advanced features, investment risks, and digital security remains low. This understanding is influenced by digital financial literacy, information sources, and perceived ease of use of the app, with the majority of users relying on social media rather than official sources. The study concludes that improving digital financial literacy and targeted education are essential for novice users to use fintech investment apps wisely and safely.
THE ROLE OF INSURTECH IN IMPROVING ACCESS TO DIGITAL INSURANCE SERVICES A STUDY ON THE QOALA APPLICATION iky, Zikrillah; Vira mauliana; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 4 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i4.257

Abstract

The development of digital technology is driving the transformation of insurance services through the emergence of Insurance Technology (InsurTech). This study aims to analyze the role of InsurTech in increasing access to digital insurance services through the Qoala application. The study used a qualitative approach with interview and observation methods. The results show that the Qoala application provides convenience, efficiency, and transparency in digital insurance services and increases public insurance inclusion. However, digital insurance literacy is still needed to minimize the risks of using digital services. Thus, InsurTech plays a crucial role in the modernization of insurance services in Indonesia.
TRANSFORMATION DIGITAL PAYMENT SYSTEMS AND CHANGES IN PUBLIC TRANSACTION BEHAVIOR A QUALITATIVE STUDY OF E-WALLETS AND QRIS IN TEMBILAHAN Harbaim Septiadi; Siti Hadijah; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 4 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i4.259

Abstract

The development of financial technology (fintech) has brought significant changes to the financial system, particularly in digital payment systems. Fintech innovations in the form of digital wallets (e-wallets) and the Quick Response Code Indonesian Standard (QRIS) have encouraged people to shift from cash-based transactions to more practical and efficient non-cash transactions. This transformation of the digital payment system not only impacts the technical aspects of transactions but also influences people's transaction behavior. This study aims to analyze how the transformation of the digital payment system through the use of e-wallets and QRIS influences changes in people's transaction behavior in Tembilahan. This study used a qualitative approach with data collection methods through interviews, observation, and documentation of e-wallet and QRIS users in Tembilahan. The results show that the use of e-wallets and QRIS provides convenience, speed, and flexibility in transactions, thus encouraging people to adopt digital payment systems in their daily lives. Changes in people's transaction behavior are reflected in the increasing frequency of digital payment use, changes in payment method preferences, and reduced dependence on cash. However, this study also found that people's digital literacy levels still vary, and some users still have concerns regarding transaction security and personal data protection. In the local context of Tembilahan, the transformation of the digital payment system is gradual and influenced by community habits, technology experience, and digital payment infrastructure support. This study concludes that e-wallets and QRIS play a strategic role in driving the transformation of the digital payment system and shaping changes in people's transaction behavior. The findings of this study are expected to serve as a reference for the government, digital payment service providers, and future researchers in developing an inclusive and sustainable digital payment system.
USE OF THE DANA DIGITAL WALLET APPLICATION AND ITS IMPACT ON PUBLIC LIFE Nadintia, Susanti; M. Rifani; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 2 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i2.260

Abstract

The development of digital technology is driving changes in people's payment systems, one of which is through the use of digital wallets. This study aims to determine the use of the DANA digital wallet application and its impact on society. This study used a qualitative approach with data collection methods through interviews and observations of DANA application users. The results show that the use of the DANA application provides convenience in conducting financial transactions, increases time efficiency, and fosters public trust through the available security system. In addition, promo and cashback features influence people's consumption behavior, although they have the potential to encourage consumptive attitudes if not used wisely. The DANA digital wallet application also plays a role in increasing financial inclusion by providing wider access to financial services for the public. Thus, the use of the DANA application not only functions as a digital payment tool, but also has a social and economic impact on people's lives.
USER FINANCIAL LITERACY LEVEL TOWARDS KREDIVO P2P LENDING SERVICES Nurkamizah; Desca Wahyuni; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 2 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of financial technology, particularly peer-to-peer (P2P) lending services in Indonesia, is experiencing rapid growth, one of which is through the Kredivo platform, which offers easy access to digital-based credit. However, this convenience also has the potential to create financial risks if not balanced with an adequate level of financial literacy among its users. This study aims to determine and analyze the level of financial literacy of users regarding the Kredivo P2P lending service using quantitative methods through a descriptive approach. Data were collected through questionnaires distributed to Kredivo users and analyzed based on indicators of financial knowledge, risk understanding, financial attitudes, and financial behavior. The results show that the level of financial literacy of Kredivo users is in the moderate category, indicating that users have a basic understanding of P2P lending products, but still have limitations in understanding long-term risks and managing payment obligations. Therefore, efforts are needed to improve financial literacy education from service providers and regulators to minimize financial risks and improve consumer protection.
THE AGILE HUMAN CAPITAL CONCEPT IN FINTECH FOR THE BABY BOOMER GENERATION Agus Maulana; Muhammad Fauzan; Edi Susanto; Aremu Bashiru; Muhammad Ghalih
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 3 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i3.263

Abstract

Financial literacy is an important aspect for students in managing personal finances effectively. This study was conducted at the Universitas Pendidikan Indonesia. The purpose of this study was to determine the level of literacy, perceptions of the importance of financial literacy, and the impact of financial literacy on the financial decision-making of students at the Faculty of Economics and Business Education, Universitas Pendidikan Indonesia. The research method used is a descriptive qualitative method. The data technique used was through a questionnaire involving 100 respondents. The results of the study showed that students at the Faculty of Economics and Business Education, Universitas Pendidikan Indonesia, have a good understanding of financial literacy, with 76% of respondents strongly agreeing that financial literacy is very important in their lives. In addition, students who have good financial literacy tend to be more organized in managing their finances, such as in recording income and expenses. This study provides insight into how financial literacy can help students avoid consumptive behavior and make wise financial decisions. Therefore, it is recommended that universities develop more structured educational programs to improve financial literacy among students.
NARRATIVE ANALYSIS OF UNDERSTANDING AND USE OF DIGITAL WALLETS IN SOCIETY: LITERATURE STUDY Hanif, Ibrahim; Restu Nur Raida; Syafrinadina
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 3 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i3.264

Abstract

Digital wallets have become a crucial part of Indonesia's financial transformation, with rapid user growth. However, public understanding of this technology remains uneven and faces data security challenges. This study aims to analyze narratives about digital wallet understanding and use through a literature review, focusing on factors influencing adoption and the security challenges faced. The research method employed a qualitative, descriptive-narrative approach through analysis of secondary sources. The results indicate that people adopt digital wallets primarily due to perceived convenience and efficiency, but in-depth understanding of security features remains low. The learning process occurs socially through community networks, with key figures such as youth acting as knowledge brokers. Communities develop hybrid adaptation strategies where digital systems are used alongside traditional financial practices according to the local context. In conclusion, understanding of digital wallets is a social construct shaped through the interaction of technology, culture, and community networks. Implications of this study emphasize the importance of contextualized digital literacy programs, increased transparency of platform security, and educational approaches that leverage natural social learning mechanisms within communities.

Page 6 of 8 | Total Record : 71

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