Jurnal Keuangan dan Perbankan (KEBAN)

The Use of QRIS in MSMEs in Cilegon City

2024-04-26T18:10:29+07:00

Changes in people's lifestyles and advances in the development of financial technology (financial technology) currently have an impact on people's desire for fast, precise, and safe digital payment instruments Seeing the current growing trend, several marketplaces are starting to use QR-Code as a payment method. The system changed the habits of many people from initially making cash payments to cashless. This is used by micro, small and medium enterprises (MSMEs) as a tool for simple and complicated financial transaction processes. The number of MSME players in Cilegon City is currently officially recorded at 18,117 business actors in 2023. This number is so large that the contribution of MSMEs to the economy of Cilegon City is felt, especially in terms of new workers. Therefore, this study is to determine the perception of MSME actors in using QRIS the methodology of this research is quantitative descriptive with saturated sampling techniques, the population in this study is 50 MSME actors in Cilegon City with a total sample of the population. The results in the perception of expediency get a percentage result of 72.2%, then in the perception of ease of getting 76.6% and the perception of risk get 69% so that it can be concluded that MSME actors feel helped by the payment system using QRIS

How Does Bank Syariah Indonesia's Financial Performance Measure Up Using The RGEC Method's Bank Health Assessment?

2024-04-26T18:09:56+07:00

Banks are required to conduct periodic self-assessment of their health level and take effective corrective measures using an assessment of factors including risk profile, good corporate governance (GCG), earnings, and capital, abbreviated as RGEC. The RGEC method is what banks currently use to assess the health level of banks because it is a refinement of previous methods. The degree of bank health as determined by the RGEC technique is the subject of this quantitative descriptive study, which analyzes Bank Syariah Indonesia's health for the years 2019 to 2022. The study's secondary data sources are the yearly financial reports of Islamic Commercial Banks covering the years 2019 to 2022. The following findings are derived from the debate of Bank Syariah Indonesia's Islamic banking sharia for the 2019–2022 evaluation period, The non-performing financing ratio (NPF Nett in composite position 1 may be considered to be in very good health. Conversely, Bank Syariah Indonesia's FDR ratio values in composite positions 1 and 2 might be considered highly healthy. Bank Syariah Indonesia's GCG ratio in composite position 2 may be considered healthy. The Bank Syariah Indonesia's earnings evaluation, or its capacity to turn a profit, received a composite score of 3 to 1, indicating that it is both fairly healthy and extremely healthy from 2019 to 2022. Bank Syariah Indonesia's bank capital was evaluated from 2019 to 2022, and it received a composite evaluation of 1, meaning it is in excellent condition.

Financial Company Decisions Using Social Media Content

2024-04-26T18:09:36+07:00

Financial applications that make it easier for people to invest using technology. One of the efforts they can do is by looking for applications in the financial technology (FinTech) sector in the midst of developing technology in the internet of things (IoT) era. Company X is one of the FinTech sector companies that has an application to make interbank transfers free of admin fees and investment services. This application can help people manage finances, an issue that is being faced by millennials today about the tendency to use their money for entertainment rather than investment. This is also the basis for the company's decision to use their social media, by using content marketing strategies to attract the public. Content is created using message characteristics and builds brand awareness with excellence, can transfer between banks with free admin fees, and investment features easily and attractively for millennials. The method used is qualitative content analysis by looking at how much content is created through social media in responses. The results of this study show where the content marketing strategy carried out by financial company X on social media accounts, one of which is Instagram, provides characteristics built by companies that focus on educational, entertaining, persuasive characteristics that are packaged attractively for the millennial generation

Moderation Firm Size on Influence Working Capital to Total Asset and Debt to Equity Ratio on Share Prices

2024-04-27T18:10:07+07:00

Information about ratiosWorking Capital to Total Asset and Debt Equity Ratio when viewed withsignaling theory will provide positive/negative signals to investors so that it will influence share prices. RatioFirmsize based on contingency theory, it is then tried as a moderator to evaluate the strengthening/weakening of the relationship. This research aims to determine the effectWorking Capital to Total Asset and Debt Equity Ratio to Firmsize-moderated Share Prices. The research population was 281 companies listed on the Southeast Asian stock exchange in the 2012-2020 period, then sampled using purposive sampling to obtain 17 sample companies according to the criteria. The data was then analyzed using Moderating Analysis Regression. The research results show. The research results showWorking Capital to Total Asset significant positive effect on stock prices,Debt Equity Ratio significant negative effect on stock prices, firmsize is able to moderate the effectworking capital to total asset on share prices and firm size are also able to moderate the influencedebt equity ratio to the stock price.

Fundamental Analysis Based on Earnings Per Share on Divident Payout Ratio to Determine the Prospects of Stock Investment in The Retail Sector

2024-04-27T18:09:16+07:00

This study aimed to obtain a more specific and comprehensive explanation of fundamental analysis based on the EPS to DPR ratio in order to determine the prospects for stock investment in retail sub-sector companies. It was expected that readers or investors would gain knowledge and comprehension from the results of this study in order to facilitate their ability to analyze stocks using fundamental analysis in the form of EPS ratio and DPR. The methods used in this study were literature study and observation. Moreover, the data analysis techniques used were in the form of quantitative descriptive analysis and simple linear regression analysis. Furthermore, the financial reports of the stock issuers of MIDI, AMRT, RALS, MYOR, ACES, and CSAP for the 2016–2021 data period were the secondary data sources in this study. The results of this study demonstrated a positive and significant relationship between the impact of variable X (EPS) and variable Y (DPR). Moreover, these results suggested that the EPS and DPR values are strongly associated with determining the future prospects for stock investment in the retail sector. In addition, as a result of the EPS value increase, the DPR value will also experience a significant increase, thereby increasing stock prices and indicating good prospects for growth in stock investment. Therefore, this study may be used as a suggestion for BNI Sekuritas Yogyakarta to encourage customers or investors to invest in stocks in the retail sector, especially MIDI, AMRT, RALS, MYOR, ACES, and CSAP stocks