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INDONESIA
Indonesian Journal of Banking and Financial Technology (FINTECH)
Published by PT FORMOSA CENDEKIA GLOBAL
ISSN : -     EISSN : 29855551     DOI : https://doi.org/10.55927/fintech.v2i1
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
The Indonesian Journal of Banking and Financial Technology (FINTECH) is an open-access academic journal founded to provide a strong venue or platform to publish, disseminate, promote, publicize, and develop the application of mathematics, statistics, computer science, finance, and business law in the new field of financial technology (fintech). FINTECH publishes articles in January, April, July, and October.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 66 Documents
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Analysis of Financial Management in Kenanga UMKM in Improving Ecobric-Based Economic Welfare (Syari’ah Financial Management Review) S. Purnamasari; P. Rozak; Kurniaty; A. Hadi; Agus Purnomo
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 4 (2023): October 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i4.6298

Abstract

Indonesia is ranked as the second largest plastic waste producing country in the world. Plastic waste is decomposed within 1 millennium or around 1000 years. Plastic waste has a negative impact on the environment, such as accumulation of rubbish, resulting in environmental pollution. Anticipatory and preventive steps are needed to overcome this problem. One of the right strategies is. We should apply the 3Rs, namely Reduce, Reuse and Recycle in dealing with plastic waste. Management of waste products, if managed well, will have an impact on the community's economy. The problem of this research is how the financial management carried out by Kenanga UMKM is based on ecobricks, a review of sharia financial management and what are the efforts and obstacles of Kenanga UMKM in improving the ecobrick-based economic welfare of its members. This research is research with a qualitative approach with 6 research respondents and the sampling technique uses saturated samples. The data collection technique uses observation, documents and interviews with primary sources, namely the Kenanga UMKM Unit, and secondary source data, namely documents. This research shows that financial management still uses manual and simple recording and is recapped every Saturday. The Kenanga Unit UMKM management is in business development/efforts to improve the welfare of its members.
The Effect of Auction Fee, Administration Fees of State Receivables Management and Management of State-Owned Assets Against Actualization of State Non-Tax Revenue on Kantor Pelayanan Kekayaan Negara dan Lelang Medan Period 2019-2021 Arthur Simanjuntak; Septony B. Siahaan; Duma Megaria Elisabeth; Yerisma Welly; Dewi Delima Hutagalung
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 4 (2023): October 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i4.6581

Abstract

This study examined the effects of auction fees, state receivables management costs, and state property management costs on the realization of non-tax state revenue at the State Asset Service Office and Medan Auction from 2019 to 2021. The Medan KPKNL Performance Achievement Report, which contains the Budget Report and Realization of PNBP for the 2019–2021 year and has a total population of 36, is the population in this research. Due to the large population in this study being relatively small (limited), the sample was chosen using the saturation or census sampling approach. To characterize each variable in this study, this form of research employs a descriptive quantitative technique utilizing secondary data. The Statistical Product and Service Solution (SPSS) Version 25 will process the data. The data analysis method used in this study employs multiple linear regression analysis tests, a coefficient of determination test, a partial hypothesis test (t-test), and a simultaneous test (F test) with a significance level of 0.05. Each variable is stated to have a positive and significant effect on Non-Tax State Revenue based on the results of data analysis tests that have partially been conducted on Auction Fees, Administrative costs for managing state receivables, and Management of state property, and the consequences of research simultaneously stated that all independent variables have an effect positive and significant to PNBP simultaneously with the test results of the coefficient of determination showing in 72.1%.
The Influence of Profitability, Composition of the Independent Board of Commissioners and Managerial Ownership on Profit Management in Food and Beverage Companies on the Indonesian Stock Exchange Period 2017-2021 Farida Sagala; Lamria Sagala; Kristanty MN Nadapdap; Bryan Carlos Gianri Siagian
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 4 (2023): October 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i4.6586

Abstract

The purpose of this study is to identify and analyze the effect of profitability, independent board of commissioners composition and managerial ownership on earnings management. This study uses data analysis method using multiple linear regression analysis. Partial research results show that profitability has no effect and is not significant on earnings management. The composition of the independent board of commissioners also has no influence and is not significant on earnings management. Managerial ownership has no effect and is not significant on profitability.
Implementation of Financing Policy for UMKM by Bank Syariah Indonesia (BSI) Based on National Economic Recovery Objectives Rolib Sitorus; Jessy, Jessy
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 4 (2023): October 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i4.6813

Abstract

This research aims to determine the implementation of financing policies for MSMEs by Bank Syariah Indonesia (BSI) based on national economic recovery objectives and determine whether or not the national economic recovery objectives have been achieved. This research uses normative-empirical research methods. This research examines primary data, namely the results of interviews with parties related to the distribution of MSME financing, then examines secondary data consisting of primary legal material, secondary legal material and tertiary legal material. Research data collection methods are carried out through books, journals and articles and interviews related to the problems being researched. The type of research approach used is a qualitative research approach with descriptive presentation. The data collected is analyzed using descriptive analysis techniques. The results of this research are the implementation of financing policies for UMKM by Bank Syariah Indonesia (BSI) KC Kuala Simpang during the COVID-19 pandemic in the form of margin subsidies as regulated in Minister of Finance Regulation Number 138/PMK.05/2020 concerning Procedures for Providing Interest/Subsidies Margin in order to support the implementation of the National Economic Recovery Program and restructuring policy stimulus as regulated in Financial Services Authority Regulation Number 11/POJK. 03/2020 concerning National Economic Stimulus as a Countercyclical Policy for the Impact of the Spread of Corona Virus Disease 2019 has been implemented in accordance with Law Number 21 of 2008 concerning Sharia Banking and the Fatwa issued by DSN-MUI.
Technical Analysis of Stock Investment Decisions in Telecommunication Companies Listed on the Indonesian Stock Exchange Pasaribu, Marta KN
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i1.7122

Abstract

This research aims to examine stock investment decisions in telecommunications companies listed on the Indonesia Stock Exchange using a technical analysis approach. This research does not use hypotheses, so quantitative descriptive research is used. The purposive sampling method was used to obtain a representative sample in accordance with the sampling criteria, namely telecommunications companies listed on the Indonesia Stock Exchange. The object of the research is data in the form of graphs and trends in monthly stock price movements of three issuers in the fourth quartile of 2023 starting from October-December 2023. The research results show that the analysis of the three stocks above shows that MACD crossovers often give false signals if they are not confirmed by indicator movements momentum like RSI. In the case of TLKM and ISAT, even though the MACD has crossed over, the RSI actually moves in the opposite direction or at least does not provide a strong response, so there is potential for a reversal. Likewise with EXCL where even though a MACD crossover occurred, the RSI did not penetrate a significant level to validate the signal. Overall, MACD crossovers without the support of evidence of changes in momentum from the RSI tend to be weak and inaccurate. It takes confirmation from other indicators for a MACD crossover to truly indicate a long-term trend change instead of just a high-risk temporary move. Thus, it is important to carry out multi-factor validation so that the MACD crossover signal is stronger before being used as a reference for entry or exit positions.
Shares Valuation with Fundamental Analysis in Investment Decisions (Study of Companies Listed on the Indonesian Stock Exchange for the 2022 Period) Paujiah, Andini Nur; Muhamad, Fadilah; Salsabila , Raihani; Marlita, Rini; Suherman, Ujang
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i1.7511

Abstract

Shares are a very popular investment product today. Moreover, shares can achieve very high returns compared to other investment products. However, shares are also closely related to investment risk. Therefore, to avoid the risks of investing in shares, you should develop various strategies before buying shares. The method used in this paper is quantitative descriptive. Determining the sample in this study used a Purposive Sampling technique with the criteria of food and beverage companies that were consistently listed on the IDX and distributed dividends to their shareholders in 2022, thus obtaining 5 sample companies, namely MLBI, AALI, ULTJ, INDF, MYOR. The data collection technique is by using documentation analysis. And the data analysis technique uses manual calculations using the stock assessment formula TATO, ROE, EPS, CR, DER, DPR, and the PER and PBV share price assessment formulas. Based on fundamental analysis and stock price assessment, these 5 food and beverage companies are worthy of investment. But the INDF company is the most worthy company to invest in. Even though the ROE is relatively low (10%), the INDF company's PER is below 15x (6.04) indicating that the share price is still considered cheap by investors.
The Impact of the Russia-Ukraine War and Its Implications for Indonesia's Economic Resilience Strategy Yulivan, Ivan; Mahroza, Jonni; Widjayanto, Joni; Prakoso, Lukman Yudo; Setiadi, Muhammad Ikmal
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i1.7648

Abstract

The world economy will feel the impact of rising commodity prices due to the crises in Ukraine and Russia. In addition, inflation around the world will increase due to rising food and energy prices. In addition, the imposition of economic sanctions on Russia by the United States and its allies has further exacerbated not only the armed conflict but also the world economic recovery. This qualitative research approach was implemented through literature reviews and field studies. The global economy, including Indonesia, will be greatly affected by the diplomacy carried out by the Indonesian government in response to Russia's military action against Ukraine. Worldwide disruption of food and energy supplies will occur as a result of this conflict. In the midst of increasing prices of various commodities and crude oil on the international market, the Indonesian government is expected to implement proactive steps to manage inflation.
Defense Economic Diplomacy in Overcoming the Impact of the Israel - Hamas War on Indonesia's Economic Resilience Yulivan, Ivan; Mahroza, Jonni; Rianto, Rianto; Prakoso, Lukman Yudho; Setiadi, Muhammad Ikmal
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i1.7754

Abstract

One of the most real threats from the increasingly heated Hamas-Israel conflict is the soaring world crude oil prices. Geographically, the proximity of the conflict in the Middle East is quite close to oil-producing countries. If the supply or distribution of oil from this area is disrupted. A significant increase in oil prices in a short time can have a tremendous shock effect on the market, the impact of this increase in commodities will spread to the national economy. This research was conducted using descriptive analysis. The process of Israel's annexation of Palestine will be described and analyzed in detail. The Indonesian government, through the first paragraph of the preamble to the 1945 Constitution, has the obligation to realize world peace by creating a new environment free from sovereignty conflicts, and clear and well-defined authority over economic activities that can take the Palestinian economy further towards the path of higher development and growth. Playing a direct diplomatic role by becoming the fifth of four countries currently the main actor in maintaining peace in the Middle East.
The Influence of Corporate Social Responsibility on Company Value with Profitability as a Oderation Variable in Registered Manufacturing Companies on the Indonesian Stock Exchange Period 2019-2021 Melliana, Saur; Butarbutar, Hotlan; Siahaan, Dinda G.J
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i1.7968

Abstract

This research aims to determine the influence of CSR (Corporate Social Responsibility) on company value in manufacturing companies listed on the Indonesia Stock Exchange for the 2019-2021 period. The sample used in this research was purposive sampling, totaling 56 companies with 3 years of observation and obtained from the annual financial reports of manufacturing and component companies at www.idx.co.id. The data analysis used is SPSS version 25 analysis. The results of the research show that CSR (Corporate Social Responsibility) has a significant positive effect on company value and profitability as proxied by ROA (Return On Assets) and moderates the relationship between CSR and Company Value.
Analysis of Financial Performance of the Jambi Province Forestry Service for the 2017-2021 Alvionita, Nur Afni; Arum, Enggar Diah Puspa; Safelia, Nela
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i1.7986

Abstract

Financial reports provide information about the financial position that is useful for most report users in order to make decisions and demonstrate accountability for the use of resources entrusted to users. The aim of this research is to determine the financial performance of the Jambi Province Forestry Service, analyzed from the Budget Realization Report for the 2017-2021 Fiscal Year. The method used is descriptive quantitative using economic ratios, effectiveness and efficiency. Data was obtained through field studies. The research results showed that the level of effectiveness in the Jambi Provincial Forestry Service for the 2017-2021 Fiscal Year was effective, for the economic level and overall budget efficiency it was quite efficient due to the use of the budget being too high.

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