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Muhammad Fauzan
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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 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.
ANALYSIS OF DEFAULT RATES IN THE FINTECH LENDING INDUSTRY IN INDONESIA USING TWP90 AND TKB90 INDICATORS Dewi, Dewi Fitriana Puji Lestari; Novita Sari; 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.v3i4.274

Abstract

The growth of the fintech lending industry in Indonesia continues to increase in line with the high public need for fast and easily accessible digital financing services. However, these developments are also accompanied by an increase in the risk of default that needs to be monitored periodically through the Financial Services Authority's official indicators, namely the 90-Day Default Rate (TWP90) and the 90-Day Payment Success Rate (TKB90). This study aims to analyze the development of these two indicators as a reflection of the level of credit risk in the fintech lending industry during the period from January 2024 to January 2025. The research uses a quantitative descriptive method by utilizing secondary data from OJK monthly publications. The results showed that throughout the observation period, TWP90 was in the range of 2.37%–2.96%, while TKB90 showed stable performance in the range of 97.05%–97.63%. The downward trend in TWP90 in mid-2024 indicates improved credit quality and the effectiveness of risk mitigation, while the increase in TWP90 at the end of the year indicates seasonal pressures affecting borrowers' ability to pay. In addition, the inversely proportional relationship between TWP90 and TKB90 was seen consistent throughout the study period. These findings confirm that although the fintech lending industry is in a relatively healthy and controlled condition, credit risk dynamics still need to be anticipated through the strengthening of risk assessment systems, collection strategies, and periodic monitoring by regulators and industry players.
TEMBILAHAN COMMUNITY'S UNDERSTANDING OF PEER TO PEER LENDING SERVICES: A QUALITATIVE STUDY Dhira Elfira, Anjeli; Mansur, Andi
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.v3i4.275

Abstract

The development of digital technology has encouraged the birth of various innovations in the financial sector, one of which is financial technology (fintech) services in the form of peer to peer lending (P2P lending). The presence of P2P lending is expected to be able to increase financial inclusion by providing quick and easy access to financing for the public. However, the rapid development of this service is not always accompanied by an adequate level of public understanding. This research aims to explore and understand in depth the understanding, perception, and factors that affect the people of Tembilahan towards P2P lending services. This study uses a qualitative approach with a qualitative descriptive method. Data collection was carried out through in-depth interviews, observations, and documentation of the selected Tembilahan community using purposive sampling techniques. Data analysis is carried out through the stages of data reduction, data presentation, and conclusion drawing by applying triangulation of sources and techniques to maintain the validity of the data. The results of the study show that the level of understanding of the Tembilahan community towards P2P lending is still relatively low. People generally only understand P2P lending as an online loan without understanding the mechanism, legality, and risks that come with it. Public perception of P2P lending is ambivalent, namely on the one hand it is seen as a quick solution to fund needs, but on the other hand it is considered risky due to high interest rates, aggressive collection, and misuse of personal data. Digital financial literacy and information sources, especially social media, are the main factors that affect public understanding and perception. This low understanding has an impact on people's attitudes that tend to avoid P2P lending altogether or use it without careful consideration.
ACCESS TO INFORMATION AND UNDERSTANDING OF THE TEMBILAHAN COMMUNITY INSURTECH AS A DIGITAL FINANCIAL INNOVATION SM Guntur; Fatmasari, Qoriatul; Agustiyan, Dandi
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.v3i4.278

Abstract

The development of financial technology (fintech) is driving the transformation of digital financial services, including in the insurance sector through insurance technology (insurtech). Insurtech is expected to increase public access to and understanding of digital-based insurance services. However, the level of public access to information and understanding ofinsurtechare still diverse, especially in non-metropolitan areas. This study aims to analyze access to information and the understanding of the Tembilahan community regarding insurtech as a digital financial innovation and identifying the factors influencing it. This study used a qualitative approach with a descriptive approach. Data were collected through in-depth interviews, observations, and documentation of the purposively selected Tembilahan community. Data analysis was conducted using the Miles, Huberman, and Saldaña model. The results showed that the community obtained information insurtech through various channels, especially digital media and social communications, although the information received is not yet fully comprehensive. Public understanding of insurtech is still in its early stages and is influenced by digital literacy, financial literacy, perceived benefits, and the level of trust in digital financial services. This research emphasizes the importance of strengthening access to sustainable and contextual digital financial information and education to support public understanding of digital financial services insurtech.
UTILIZATION OF FINANCIAL TECHNOLOGY IN THE LIFE OF THE TEMBILAHAN COMMUNITY Mayendra Pratama S, Yopi; ahira Putri, Junita
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.v3i4.285

Abstract

The development of digital technology has brought changes to the financial system, one of which is the emergence of Financial Technology (FinTech). Financial technology offers convenience, speed, and efficiency in conducting financial transactions. This journal article aims to examine the use of Financial Technology in the lives of the Tembilahan community and the benefits experienced by the community. The method used in this article is a descriptive method with a literature study approach, namely reviewing books, journals, and articles relevant to the topic of Financial Technology. The results of the study indicate that the use of Financial Technology such as e-wallets, mobile banking, and QRIS provides benefits in the form of ease of transactions, time efficiency, and increased access to financial services. These benefits have impacted the financial activities of the Tembilahan community in their daily lives.

Page 7 of 8 | Total Record : 71

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