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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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Strategic Innovation and Performance of FinTech Enterprises in Ondo State, Nigeria Oludoyi, Isaac Olakunle; Adesuyi, Isaac; Yusuf, Jamiu Adeniyi
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.10984

Abstract

The study focused on strategic innovation (product innovation, technological innovation and marketing innovation) and performance (customer satisfaction, trust and customer retention) of Fintech enterprises in Ondo State, Nigeria. The study adopted the survey research design. The data was analysed using the Statistical Package for the Social Sciences (SPSS) and the result was presented in tables using frequency, percentages, mean and standard deviation (descriptive statistics). Multiple regression (inferential statistics). Findings from the study reveals that strategic innovation have a positive significant influence on customer satisfaction, customer trust and customer retention. Thus, the study concluded that strategic innovations are necessary for Fintech enterprises in Ondo State to optimize performance. The study recommends that Fintech enterprises should continually engage in strategic innovations to optimize performance.
Implementation of Procurement with Just in Time Method at the Stones Legian Bali Autograph Collection Hotels Putri, Komang Ayu Trichia Maharani; Wiryanata, Wiryanata; Tuwi, I Wayan
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11264

Abstract

his study aims to determine the implementation of procurement with the just in time method in one of the hotels in Bali, namely The Stones Legian Bali Autograph Collection Hotels. The research method is descriptive qualitative using the stages of data reduction, data presentation and drawing conclusions. Data collection was carried out by interviews, documentation, and observation. The results of the study indicate that there are three stages of procurement of goods, in accordance with Wicaksono's theory, namely the purchasing stage there are users, culinary admins, executive sous chefs and purchasing who play a role in processing goods until the supplier receives the order. The second stage is receiving in the process of receiving goods. In the last stage, namely the storage and release of goods, at this stage the goods can be processed by each user outlet.
Implementing Sustainable Procurement Practices in International Hotel Artini, Ni Komang Maena; Rukmiyati, Ni Made Sri; Yusmarisa, Ni Luh Riska
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11268

Abstract

This research investigates integrating sustainable procurement practices within international hotel chains, particularly examining their effects on food safety, encountered challenges, stakeholder involvement, and eco-friendly initiatives. It analyzes the impact of sustainable procurement on food quality and safety, highlighting measures undertaken to ensure these standards. The study addresses challenges like balancing quality, cost, and sustainability in food procurement and evaluates hotels' eco-friendly strategies, such as using locally sourced products and effective environmental management. Employing a holistic approach through multiple case studies, the research emphasizes the nexus between food safety and sustainable procurement, offering practical insights for the hospitality industry. The primary principle across international hotel chains is to consider environmental impacts comprehensively in procurement processes, serving as a foundational guideline.
Embracing Harmony: Exploring Tri Hita Karana-Based Corporate Social Responsibility Initiatives Berliana, Ni Putu Cherline; Wiryanata, I Gusti Ngurah Agung; Rukmiyati, Ni Made Sri
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11269

Abstract

This study aims to determine and understand the practice of Corporate Social Responsibility (CSR) based on Tri Hita Karana (THK) implemented by W Bali Seminyak. This study uses qualitative descriptive data analysis to extract data and information from data collection activities such as observation, interviews, and literature studies. The results prove that this hotel has upheld its obligations to God, fellow human beings, and the environment. This is shown by discussions about CSR activities in the hotel environment among informants who show the implementation of THK in routine hotel operations.
Implementation of Digital Payment in Mitigation of Fraud Risk at Hotel Conrad Bali Fadya, Ni Made Tiana; Widawati, Ida Ayu Putri; Rukmiyati, Ni Made Sri
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11270

Abstract

This study aims to be a fraud risk mitigation strategy in managing payment transactions. This study is a qualitative study. Data collection by interviews, documentation studies, and observations. Data analysis techniques used in this study are data reduction, data presentation, and drawing conclusions. The results of this study indicate that digital payments in payment transactions at Conrad Bali use internet banking. Conrad Bali conducts a longitudinal risk evaluation to identify fraud and applies a clear separation of duties. Conduct routine audits of security systems and internal controls to ensure employee effectiveness. Authorization is carried out with three security procedures, namely transaction maker (account payable and paymaster), approver/checker (chief accountant, OIBH, director of finance, and general manager) and releaser (general manager and owner).
Comprehensive Analysis of Financial Performance at PT Jakarta International Hotels & Development TBK Periode 2021-2023 Sanjaya, I Ketut Raditya; Arwana, I Putu; Tuwi, I Wayan
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11271

Abstract

This research analyzes the financial performance of PT Jakarta International Hotels & Development Tbk from 2021 to 2023 using financial ratios to comprehensively evaluate financial conditions. Qualitative methodology and descriptive techniques are used. The research results show that the liquidity ratio has increased, reflecting the company's ability to manage assets and liabilities well. The solvency ratio shows a decline, indicating a solid and solvable financial condition. Activity ratios indicate high operational efficiency with fast turnaround. Profitability ratios show significant recovery after losses in 2021 due to the Covid-19 pandemic. This research provides insight into the company's financial condition and emphasizes the importance of sustainable financial monitoring and strategic management for long-term growth in the hotel industry.
Analysis of the Effectiveness of Internal Control on Debt Payments at Hotel "X" Lim, Cheryl; Damayanti, Titien; Arnawa, I Putu
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11272

Abstract

This research aims to describe internal control over debt payments to suppliers at Hotel "X". This research uses qualitative descriptive data analysis techniques and uses a triangulation test. Data collection in this research used interview, observation and documentation techniques. The results of this research indicate that the effectiveness of internal control over debt payments at Hotel "X" is very effective. There was one implementation of internal control elements that was not achieved, namely that internal parties were unable to communicate effectively, resulting in double posting of invoices due to missed communication. This was caused by the non-implementation of the Standard Operating Procedure (SOP) regarding notification of aging receivables which should have been carried out by purchasing which was actually carried out by receiving. Socialization regarding Standard Operating Procedures (SOP) must be carried out regularly so that implementation can be maximized.
Evaluation of Accounting Information Systems Using the PIECES Method at Hotels in Bali Sukraeni, Dewa Ayu Made Rai; Arnawa, I Putu; Rukmiyati, Ni Made Sri
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11273

Abstract

The purpose of this study is to evaluate the Accounting Information System (AIS) by identifying the extent to which the AIS is in preparing financial statements. The method used in this study is a quantitative descriptive method by applying the PIECES model (Performance, Information, Economics, Control, Efficiency, and Service) where each PIECES variable is a reference for evaluation and analysis of information systems. Data collection was carried out by distributing questionnaires and data processing analysis was carried out using a Likert scale. The sample of this study was Finance, FB, and FO staff with a total of 30 respondents. Data was measured using a Likert scale. The results of this study stated that the 6 PIECES variables had an average value, namely Performance (4.62), Information (4.54), Economics (4.46), Control (5.00), Efficiency (4.70) and Service (4.78). The conclusion of the results of this study stated that the implementation of AIS when reviewed with PIECES analysis is good, effective, efficient in producing financial statements as evidenced by the level of satisfaction of each variable entering the SATISFIED category. This research using the PIECES method can provide management with an overview to evaluate AIS to assess and improve the aspects of AIS used
Analysis of the Benefits and Risks of Digital Payments on Cash Receipts at Hotels in Bali Dewi, Ni Luh Gede Sri Mulya; Widawati, Ida Ayu Putri; Septiviari, Anak Agung Istri M.
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11274

Abstract

The use of digital payments in cash receipts at hotels in Bali has increased in the period 2021 to 2023. Cash receipts with digital payments are processed by accounts receivable and income audit. This study aims to determine the benefits and risks of cash receipts via digital payments at Hotel "X". This study uses qualitative descriptive data analysis techniques. The results of this study indicate that the benefits of digital payments provide convenience in the transaction process so that the transaction process can be carried out faster and provide security in the transaction process. The risks arising from digital payments are human error, system errors and double payments.
Implementation of the Triple Bottom Line Accounting Concept at Hotel X Yudhistira, Bintang; Wiryanata, I Gusti Ngurah Agung; Rukmiyati, Ni Made Sri
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.11808

Abstract

Environmental and social responsibility is a form of company commitment to the sustainability of tourism in the future. The company does not only focus on profit but also on people and planet, in accordance with the Triple Bottom Line concept. This study aims to determine the implementation of the Triple Bottom Line Accounting concept at Hotel X. This study uses qualitative descriptive analysis techniques and focuses on the scope of the implementation of the Triple Bottom Line Accounting concept in environmental, social and tourism responsibility activities. The data collection procedure is carried out through interviews, observations, and documentation studies. This study uses the Triple Bottom Line Accounting concept by Elkington. The results of this study indicate that Hotel X has implemented the Triple Bottom Line Accounting concept well. The concept of planet, people and profit is implemented through various sustainability programs. Hotel X charges costs for environmental and social activities as hotel cost burdens. Hotel X does not only focus on profit, but also on the natural and social environment of the community.

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