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Heskyel Pranata Tarigan
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Journal of Applied Financial Management (JAFM)
Published by Universitas Dehasen Bengkulu
ISSN : -     EISSN : 31089577     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Journal of Applied Financial Management (JAFM) is a peer-reviewed academic journal that publishes original research, case studies, and reviews in the field of financial management and its practical applications. The journal serves as a platform for scholars, practitioners, and policymakers to discuss issues related to corporate finance, investment strategies, financial planning, risk management, and capital markets.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 5 Documents
 1 
Search results for , issue "Vol. 1 No. 2 (2025): December" : 5 Documents clear
Digital Transformation In Financial Management Saputra, Muhammad Fadli; Susena , Karona Cahya
Journal of Applied Financial Management Vol. 1 No. 2 (2025): December
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v1i2.790

Abstract

This study analyzes the impact of digital transformation on the financial management of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia in the digital economy era. MSMEs play an important role in the national economy, but face challenges such as low digital and financial literacy, limited access to technology, and uneven infrastructure. Digital transformation offers various opportunities, including operational efficiency, transparency of financial reports, and access to fintech-based financial services. However, risks such as data security and resistance to change are also concerns. Using a literature review method, this study identifies strategies that can be implemented to support the adoption of digital technology by MSMEs. The results show that digital literacy, government support, and the development of technological infrastructure are key elements in maximizing the benefits of digital transformation. This study provides practical contributions for MSME actors and policy makers to create an ecosystem that supports the sustainability and competitiveness of MSMEs in the digital era.
The Effect Of Debt Policy On The Value Of Banking Companies Listed On The Indonesian Stock Exchange Putri, Icha Dwi; Susena , Karona Cahya
Journal of Applied Financial Management Vol. 1 No. 2 (2025): December
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v1i2.779

Abstract

All companies are established with the aim of increasing the value of the firm. In an effort to increase the value of the firm,the debt can reduce the manager's desire to finance activities that are not optimal, thereby increasing the value of the firm. External conditions such as poor economic conditions can affect the company, so it will be difficult for the company to repay the loan and its interest. The higher the business risk of the company, the more cautious the company is in building its capital structure. The research object is the consumer goods industry sector listed on Indonesia Stock Exchange period 2013- 2016. This research use technique of Sampling Non Probability Sampling that is Purposive Sampling. Number of samples 28 companies or 112 units of analysis. Data analysis techniques to test each variable and hypothesis testing through a simple linear regression equation model through SPSS software Version 20. This study resu lted in the finding that debt policy has a significant positive effect on corporate value and business risk can moderate the relation of debt policy to firm value. Key words: Debt Policy, Firm Value, Business Risk,Modigliani-Miller Theory,Trade-Off Theory.
The Influence Of Employee Competence And Work Motivation On Employee Performance At The Sikap Dalam Subdistrict Office In Empat Lawang Regency Gibran, Ahmad; Anggriani , Ida; Fitriano , Yun
Journal of Applied Financial Management Vol. 1 No. 2 (2025): December
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v1i2.1108

Abstract

This study aims to determine the effect of competence and motivation on employee performance at the Sikap Dalam Subdistrict Office in Empat Lawang Regency. The independent variables in this study are competence and motivation, while the dependent variable is employee performance. A Likert scale was used to measure the indicators of each research variable. The population in this study was all employees of the Sikap Dalam Subdistrict Office in Empat Lawang Regency. The sample size used in this study was 37 respondents. Data analysis used multiple linear regression tests, with the F test used to determine the combined effect of competence and motivation on employee performance, while the t test was used to determine the separate effects of competence and motivation on employee performance. The results of the analysis show that competence and work motivation simultaneously have a significant effect on employee performance. The partial test results show that competence and work motivation have a significant effect on employee performance. Motivation has a more dominant effect on employee performance compared to competence. The effect of motivation, at 42.7%, plays a more dominant role in improving employee performance compared to the competence factor, at 38.5%.
The Effect Of Location, Price, And Service On The Decision To Use Car Rental Services At PT Dewa Wisata Trans Kota Bengkulu Wandi, Dehar; Abi , Yudi Irawan; Putra , Iswidana Utama
Journal of Applied Financial Management Vol. 1 No. 2 (2025): December
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v1i2.1109

Abstract

This study aims to determine the service impact on customer usage decisions. The process of customers using car rental services certainly involves various considerations, taking into account various factors before making a decision to use them, including location, price, and service at PT. Dewa Wisata Trans. Therefore, Bengkulu Car Rental business owners strive to optimize how consumers become interested and become customers. The purpose of this study was to determine the influence of location, price, and service on the decision to use a car rental at PT. Dewa Wisata Trans in Bengkulu City. The data collection method in this study used observation and questionnaire techniques, with a sample of 120 respondents. The results of the study showed that the results of multiple linear regression showed Y = 0.698 + 0.306 (X1) + 0.043 (X2) + 0.627 (X3) + 0.955. This illustrates a positive regression direction, meaning there is a significant influence between the variables of location (X1), price (X2), and service (X3) on the decision to use (Y) Car Rental at PT. Dewa Wisata Trans in Bengkulu City.From the t-test results of the location variable (X1) shows t count 3.057> t table 1.658 and significance 0.003 <0.05, meaning that location (X1) has a positive and significant effect on the decision to use (Y) on Car Rental at Pt. Dewa Wisata Trans Kota Bengkulu. The results of the price test (X2) show t count 3.526> t table 1.658 and significance 0.000 <0.05, meaning that price (X2) has a positive and significant effect on the decision to use (Y) on Car Rental at Pt. Dewa Wisata Trans Kota Bengkulu. The results of the service test (X3) show t count 9.073> t table 1.658 and significance 0.005 <0.05, meaning that service (X3) has a positive and significant effect on the decision to use (Y) Car Rental at Pt. Dewa Wisata Trans Kota Bengkulu.
The Impact of the Implementation of the Independent Curriculum, Use of Technology, Organizational Structure Changes, Competency Development, and Motivation on Organizational Culture Change among Early Childhood Teachers in Lahat District Ilian, Neni; Samsuddin , Harun; Darmin, Darmin
Journal of Applied Financial Management Vol. 1 No. 2 (2025): December
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v1i2.1112

Abstract

Educational reform in Indonesia, particularly through the implementation of the Merdeka Curriculum, requires Early Childhood Education (PAUD) teachers to adapt in various aspects, including technology adoption, organizational restructuring, competence development, and work motivation. This study aims to analyze the influence of Merdeka Curriculum implementation, technological utilization, organizational structure changes, teacher competence development, and motivation on the organizational culture transformation among PAUD teachers in Lahat District. A quantitative approach was applied, using surveys, interviews, and documentation as data collection methods. The results indicate that all five variables, both partially and simultaneously, have a significant impact on shaping an adaptive, collaborative, and professional organizational culture. However, challenges such as limited training access, lack of technological infrastructure, and resistance to change remain, requiring more effective change management strategies. The findings are expected to contribute to policy formulation and educator development programs aligned with the core principles of the Merdeka Curriculum.

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