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Muhammad Fauzan
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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 66 Documents
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ANALYSIS OF TEMBILAHAN PUBLIC UNDERSTANDING OF FINANCIAL TECHNOLOGY AND HOW FINANCIAL TECHNOLOGY-BASED INSURANCE SERVICES WORK Fitri Ramadhani; Rini Aulia; Syarif Lovedly
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.v3i3.265

Abstract

The development of financial technology (fintech) has driven innovation in financial services, including fintech-based insurance services (InsurTech). However, utilization of these services still faces obstacles in the form of low public understanding, particularly in non-metropolitan areas. This study aims to analyze the Tembilahan community's understanding of fintech and how fintech-based insurance services work, and to identify the factors influencing it. This study used a qualitative method with a descriptive approach. Data were obtained through in-depth interviews with Tembilahan residents selected using purposive sampling. The results indicate that the community generally only understands fintech as a digital payment service and does not yet understand the mechanisms. Service digital insurance. Low digital financial literacy, limited information, and perceived risks regarding data security and the claims process are the main factors contributing to this low understanding. However, after being provided with an explanation, the public showed a more positive attitude toward digital insurance services. Therefore, increasing digital financial literacy and education is necessary to encourage optimal understanding and utilization of insurance fintech.
A QUALITATIVE STUDY OF USER PERCEPTION OF THE SEABANK E-WALLET APPLICATION Riska Agustina Yanti; Hairunisa; Muhammad Fauzan
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.v3i3.266

Abstract

The development of financial technology has driven the increasing use of e-wallet applications as a means of non-cash transactions. One emerging digital wallet application is SeaBank, which offers convenience and speed in transactions. This study aims to analyze user perceptions of the SeaBank e-wallet application in terms of ease of use, security, and perceived benefits. This study used a qualitative method with a descriptive approach. Data collection techniques were carried out through in-depth interviews and observations of active SeaBank application users. Informants were selected using purposive sampling, taking into account user experience in using the application. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions. The results show that the majority of users have a positive perception of the SeaBank application, particularly regarding the ease of use of the interface and transaction efficiency. However, some users still have concerns regarding data security and system stability. This study is expected to contribute to application developers in improving service quality and serve as a reference for further research related to financial technology-based e-wallets..
QUALITATIVE ANALYSIS OF PUBLIC UNDERSTANDING OF FINANCIAL TECHNOLOGY (FINTECH)-BASED INVESTMENT RISKS IN TEMBILAHAN Tia Meilinda, Risma; Suryani, Lili; Syafrinadina
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.v3i4.269

Abstract

This study aims to analyze and describe in depth the understanding of the Tembilahan community regarding the risks associated with Financial Technology (Fintech)-based investments. The research method used is qualitative with a descriptive approach, focusing on data collection through in-depth interviews and observations of individuals who serve as research samples. The analysis focuses on the level of public awareness of various types of online investment risks (such as fraud, market volatility, and personal data security), the information sources they use, and the factors that influence their investment decision-making. The results of this study are expected to provide a comprehensive picture of digital financial literacy among the local community and provide valuable input for regulators and Fintech service providers in designing more effective education strategies to improve consumer protection and foster a safer and more informed investment ecosystem.
PUBLIC TRUST IN INSURANCE APPLICATION BASED : STUDY CASE IN TEMBILAHAN Alda Putri Febriani; Akma, Nur zaitul Akma; Helly Khairudin
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

Abstract

The development of digital technology has encouraged the emergence of app-based financial services, including digital insurance. However, the level of public acceptance and trust in app-based insurance remains varied, particularly in areas such as Tembilahan. This study aims to determine and analyze public trust in app-based insurance in Tembilahan and the factors that influence it. This study used a qualitative approach with in-depth interviews and observations of people who are aware of or use app-based insurance. The results show that the level of public trust in app-based insurance is still in the sufficient category. Financial literacy and digital literacy play an important role in shaping public trust, while risk perception, particularly related to data security and clarity of the claims process, are the main inhibiting factors. In addition, ease of use of the application and transparency of services contribute to increasing public trust. This research is expected to be a consideration for digital insurance providers and related parties in increasing public trust in app-based insurance services. Keywords: App-based insurance; Public trust; Financial literacy; Digital literacy; Fintech.
THE IMPACT OF LOW DIGITAL AND FINANCIAL LITERACY ON THE USE OF FINTECH INVESTMENTS BY MSME BUSINESS ACTORS Muhammad Jalil; Meiriani, Meiriani
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.v3i3.271

Abstract

The development of financial technology (fintech) offers significant opportunities for Micro, Small, and Medium Enterprises (MSMEs) to access financial services, particularly in the investment sector. However, low levels of digital and financial literacy remain major challenges affecting the safe and optimal use of fintech investment services. This study aims to analyze the levels of digital and financial literacy among MSMEs and their impact on fintech investment use in the Tembilahan area. This study used a qualitative approach using in-depth interviews with three business and community informants with varying experiences in using fintech investment services. The research results show that understanding and utilization of fintech investment in the Tembilahan community has begun to grow, particularly among individuals with better digital and financial literacy. Ease of use of the application, trust in the platform, which is supervised by the Financial Services Authority (OJK), and perceived security are the main drivers of interest in using fintech investment. However, low financial literacy and a lack of education still hinder some residents from making rational investment decisions. This study concludes that financial and digital literacy play a crucial role in shaping interest and behavior in using fintech investment, and contribute to improving the performance and sustainability of MSMEs. Therefore, ongoing and contextual efforts to improve financial and digital literacy education are needed to encourage the safe, inclusive, and sustainable use of fintech investment in the Tembilahan area.
TEMBILAHAN COMMUNITY’S OF THETERM E-WALLET IN THE USE OF DIGITAL PAYMENT APPLICATIONS Diana; M. Raihan; Asniati Bindas
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.v3i3.272

Abstract

The development of digital technology has driven changes in the community's payment system through the use of digital payment applications or e-wallets. In Tembilahan, the community has utilized various digital payment applications in their daily transactions. However, the community's understanding of the term e-wallet as a digital payment concept is formed through their experience of using the application and the surrounding social context. This study aims to understand the Tembilahan community's understanding of the term e-wallet in the use of digital payment applications. This study uses a qualitative method with a descriptive approach. Data collection was conducted through in-depth interviews, observations, and documentation of the Tembilahan community who use digital payment applications. Data analysis was carried out using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results of the study show that the public understands e-wallets based on the functions and experience of using digital payment applications, rather than based on a formal understanding of the term. This understanding is influenced by usage habits, social interactions, access to information, and digital financial literacy. This study is expected to provide a contextual overview of the public's understanding of e-wallets and serve as a consideration in the development of digital financial literacy programs that are more suited to the characteristics of the community.

Page 7 of 7 | Total Record : 66

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