EconBank: Journal of Economics and Banking

Artificial Intelligence to Control the Consumption of Islamic Banking Customers

2024-04-22T08:37:27+07:00

This study aims to complete literacy about the application of artificial intelligence technology in business functions, namely in the consumption function. This research method is a literature review by analyzing books and literature from various databases related to the research theme. The data used in this study is qualitative data from literature studies obtained from books and articles through various databases such as Scopus, Web of Science, Google Scholar, and other valid online sources to obtain research-themed material during March and April 2023. The use of mobile banking continues to increase. The features available in mobile banking provide comfort and convenience in making transactions. This can lead to consumption patterns that are not in accordance with the rules set out in Islamic law. Artificial intelligence technology can be applied in various business functions including production, distribution, procurement, and so on. In the consumption function, artificial intelligence can be designed to control consumption so that it conforms to Islamic principles, for example consuming halal goods, excessive amounts, and so on. The artificial intelligence technology adopted in mobile banking services is expected to become one of the monitoring tools to encourage Islamic banking customers to always commit to consumption rules, and prevent all forms of deviation from the correct consumption path.

The Relationship Between Green Finance and Financial Distress

2024-04-22T08:37:28+07:00

An increase in green finance will only occur because of the banking intermediary function which can control financial distress. This research aims to measure banking financial distress in order to improve green finance, especially when macroeconomic pressure occurs. This research found that there was a negative period due to financial distress, resulting in a strong decline in green finance. These findings use the Ed Waves Index Development Model based on Bank Indonesia's quarterly financial reports from 2019 to 2023. The findings are categorized into 2 parts, the first part consists of periods 1, 3 and 5 showing a negative relationship with financial distress pressure with minimal response to green finance, while the second part consisting of periods 2 and 4 shows a positive relationship indicating that financial distress pressures respond optimally to green finance. This research contributes to banking financial activities in managing intermediary fluctuations in order to improve green finance in Indonesia.

Orchid Agribusiness Development Strategy in Magelang Regency

2024-04-24T04:30:36+07:00

The growth of the floriculture industry, particularly orchid production, in Indonesia has been in the spotlight in recent decades. Magelang Regency, as one of the significant orchid production centers, faces challenges in optimizing its orchid agribusiness potential, especially in Sidomulyo Village. Despite experiencing rapid growth, there are still obstacles such as access to capital, business management, marketing, and production sustainability. The Rural Agribusiness Business Development Program (PUAP) launched since 2012 has also not provided optimal results. This study aims to identify new strategies in developing orchid agribusiness in Magelang Regency, focusing on the application of eco-friendly agribusiness innovations and smart integrated farming systems. Through a hierarchical analysis approach (AHP) and primary data obtained from informants in Sidomulyo Village, this study prioritizes key factors in the development of orchid agribusiness, including capital, human resources, institutions, infrastructure, and marketing promotion. The results showed that the development of infrastructure facilities is a top priority in the development of sustainable PUAP in Magelang Regency, followed by promotion and marketing. The implementation of the smart integrated farming system model, especially in terms of providing sustainable cultivation inputs, is emerging as a key strategy to improve the efficiency and sustainability of orchid production. In conclusion, this study offers a new perspective in overcoming the challenges of orchid agribusiness development in Magelang Regency, emphasizing the importance of innovation and sustainability in every aspect of the business. It is expected that this research can make a significant contribution to the development of orchid agribusiness and inclusive and sustainable village development in the region.

The The Influence of Motivation, Communication and Work Environment on Remote Work Satisfaction in PT Employees. Smartfren Yogyakarta

2024-04-22T08:37:29+07:00

The purpose of this study was to determine the effect of Motivation, communication and work environment on Remote Work Satisfaction at PT Smartfren Yogyakarta which has motivation problems from fellow coworkers resulting in a lack of enthusiasm in employees, besides the lack of good communication between fellow employees resulting in a lack of support between employees with each other. The sample used in this study was 82 employees. the method used to collect data by distributing questionnaires is done through distributing questions arranged in a collection to respondents. The method used to collect data by means of observing or reviewing carefully and directly at the research location to find out the conditions that occur.Based on the results of the research conducted, the following conclusions can be drawn: There is a significant positive influence between motivation and work environment on Remote Work Satisfaction in employees of PT Smartfren Yogyakarta and there is a communication that is not significant positive on Remote Work Satisfaction in employees of PT Smartfren Yogyakarta.

Keywords: Motivation; Communication; Work environment; Remote work satisfaction

Determinan Kinerja Karyawan Bank Syariah

2024-04-23T16:05:52+07:00

The purpose of this conducted research was to test empirically how much influence the variables of education, organizational culture, work wages, work motivation have on employee performance variables. The research was conducted at Bank Jateng Syariah. The form of the research is quantitative research, using multiple linear regression analysis. Previously carried out model tests and statistical tests assisted by the SPSS 25 program. The number of respondents in this study were 60 respondents taken by purposive sampling method. Employees who are used as respondents must be permanent employees who work as front liners.

The results showed that the higher the education, organizational culture, wages and work motivation, the higher the employee performance has the potential. In terms of significance, only education and work motivation show significant effects. Even though this study did not experience significant obstacles and the research model also showed feasibility, further research could still be carried out. Subsequent research can add more research variables.

Analisis Kinerja Belanja Daerah Pemerintah Kota Kupang Tahun 2018-2022

2024-04-23T21:16:12+07:00

ABSTRACT

The purpose of this study is to seek the spending execution at the Kupang City Government in the 2018-2022 fiscal year can be said to be good in terms of the analysis of expenditure variance, analysis of expenditure growth, analysis of expenditure harmony and the ratio of expenditure efficiency. The instrument used is the analysis of shopping performance consisting of an analysis of shopping variants, an analysis of expenditure growth, an analysis of expenditure harmony and a ratio of expenditure efficiency. The results of the analysis presented is, a. The expenses execution in terms of analysis of expenditure variance can be said to be good because the implementation of spending is smaller than the budget, b. Expenses execution in terms of an analysis of expenditure growth in 2018-2019 the number of expenditure was increased and resulting positive, but in 2019-2022 the number of expenditure was decreased an resulting negative, c. The expenses execution in terms of analysis of the harmony of spending is more dominant operational expenditure than “modal” expenditure because operational expenditure is up to 90% above of total expenditure while “modal” expenditure is less than 10% of total expenditure, d. The expenses execution in terms of the expenses efficiency ratio can be said to be efficient because the criteria showed the results are below 100%.

ABSTRAK

Tujuan dalam penelitian ini adalah untuk mengetahui kinerja belanja pada Pemerintah Kota Kupang tahun anggaran 2018-2022 sudah dapat dikatakan baik ditinjau dari analisis varians belanja, analisis pertumbuhan belanja, analisis keserasian belanja dan rasio efisiensi belanja. Alat analisis yang digunakan adalah analisis kinerja belanja yang terdiri dari analisis varians belanja, analisis pertumbuhan belanja, analisis keserasian belanja dan rasio efisiensi belanja. Hasil analisis yang dikemukakan dapat diketahui bahwa, a. Kinerja belanja ditinjau dari analisis varians belanja sudah dapat dikatakan baik karean realisasi belanja lebih kecil dibandingkan dengan anggaran belanja, b. Kinerja belanja ditinjau dari analisis pertumbuhan belanja pada tahun 2018-2019 menunjukkan kriteria bernilai positif dan tahun 2019-2022 menunjukkan kriteria bernilai negatif, c. Kinerja belanja ditinjau dari analisis keserasian belanja lebih dominan belanja operasi dibandingkan dengan belanja modal karena belanja operasi pengeluarannya di atas 90% dari total belanja, d. Kinerja belanja ditinjau dari rasio efisiensi belanja sudah dapat dikatakan efisien karena pada kriteria tersebut besaran rasio pada kriteria tersebut di bawah 100%.

Leverage dan Sales Growth terhadap Financial Distress dengan Moderasi Profitabilitas Pada Perusahaan Ritel yang terdaftar di Bursa Efek Indonesia Tahun 2019-2022

2024-04-24T08:20:30+07:00

The study aims to identify the impact of leverage and sales growth on financial distress with profitability as a moderation variable in retail companies listed on the Indonesian Stock Exchange. There are 19 retail firms listed on the Indonesia Stock Exchange that are used as a sample in this study with a research period of 4 years, namely 2019–2022. This type of research is quantitative, with data analysis techniques using double linear regression analysis and moderating regression analysis (MRA) with the help of SPSS applications. The results conclude that leverage and sales growth have no influence on financial distress.

Peran Adopsi Teknologi Informasi dalam Memediasi Hubungan Kemampuan Akuntansi Terhadap Keberlanjutan UMKM di Jawa Tengah

2024-05-01T12:03:51+07:00

Sustainability of MSMEs must be carried out by every business actor, the existence of very tight competition requires MSME players to develop their business. This research will examine the factors that support the sustainability of MSMEs, in this case namely accounting capabilities with the adoption of information technology as an intervening variable. The aim of this research is to provide an understanding of the use of accounting which is very important for MSMEs, supported by the use of information technology which will make it easier for business actors to obtain information to manage their business. The research method used is a quantitative method and the respondents for this research were 400 Micro, Small and Medium Enterprises in the Central Java region. The sample collection technique uses the non-prurposive sampling method by dividing questionnaires.

Keywords: Accounting capabilities, SMEs, Sustainability, Information Technology Adoption, Accounting

Pengaruh Literasi Keuangan, Manajemen Keuangan Dan Aplikasi Keuangan Terhadap Pengembangan Usaha UMKM Kota Bandung

2024-05-21T13:46:22+07:00

Running a business requires a true understanding of finance and financial management. This is because
the business capital used must really be used as optimally as possible for the success of the business
being run. Apart from that, in the current era of advances in information technology, financial
management requires financial application support that can assist in business financial activities. So
this research was carried out with the aim of finding out the influence of financial literacy, financial
management and financial applications on the development of MSME businesses. This research method
is descriptive quantitative. Data was obtained by distributing questionnaires to 100 MSMEs in Bandung
City. The data obtained was processed and analyzed using SPSS 25. The results of the research partially
show that the influence of financial literacy has an influence on business development, followed by
financial management and financial applications. And together, financial literacy, financial
management and financial applications have an influence on the business development of MSME
players. Therefore, it is necessary to increase understanding of financial literacy, financial management
and the use of financial applications for Bandung City MSMEs so that the businesses they run can
continue to grow. This can be done through collaboration between the Bandung City Chamber of
Commerce and Industry and academics for training and mentoring

Profitabilitas dan Transparansi dalam Meningkatkan Nilai Perusahaan

2024-05-21T13:48:35+07:00

This research aims to explore the impact of profitability and transparency on firm value. Sample
selection was conducted selectively using the purposive sampling method, resulting in a total of 66
samples. The study was carried out on manufacturing companies in the food and beverage sub-sector
listed on the Indonesia Stock Exchange during the period 2020-2022. The choice of the food sub-sector
as the research focus was based on its performance improvement during the specified period, despite
facing challenges from the COVID-19 pandemic in 2020. Investors also demonstrated increased
interest in this sub-sector. The applied method of data analysis was multiple linear regression. The
research findings indicate that both profitability and transparency have a significantly positive impact
on firm value. These results offer a deeper understanding of the positive relationship between
profitability, transparency, and the assessment of firm value in the context of food and beverage
manufacturing companies during the research period

Faktor-Faktor Yang Mempengaruhi Keputusan Orang Tua dalam Memilih Sekolah Pada Sekolah Tunas Harapan Mandiri Rantauprapat

2024-05-21T13:55:56+07:00

The purpose of this study was to determine the effect of psychological factors and social factors on
choice decisions and customer satisfaction. This research is quantitative research by emphasizing
Systematic Literature Review. The sample amounted to 65 people who were parents/guardians of
elementary school students of Sekolah Tunas Harapan Mandiri. The results showed that the respondent
profile can be concluded that it qualifies as a purposive sampling sample where the criteria used are
parents / guardians who choose elementary school education at Tunas Harapan Mandiri School.
Psychological factors partially do not influence the decision to choose elementary school education at
Tunas Harapan Mandiri School. Social factors partially influence the decision to choose elementary
school education at Tunas Harapan Mandiri School. Psychological factors and social factors
simultaneously influence the decision to choose elementary school education at Tunas Harapan Mandiri
School. For research, it is hoped that research development can be carried out by paying attention to
the scope of the sample and the development of independent variables

The Efek Pemilihan Saluran Distribusi Digital Pada Keputusan Pembelian Produk UMKM Garmen di Kota Semarang

2024-05-02T16:43:47+07:00

Digital marketing does not just talk about promotions or advertising but also includes distribution channels. The choice of distribution channels by producers has an impact on purchasing interest and subsequently on consumer purchasing decisions. In connection with distribution, product availability also influences consumer purchasing interest and purchasing decisions. Digitalization efforts to increase the capacity of MSMEs face the challenge of understanding digital marketing. This research aims to provide insight into the influence of digital on purchasing decisions. A total of 100 people were taken as samples using purposive sampling. The data analysis technique used in this research is PLS-SEM. The research results found that digital distribution channels and product availability have a positive and significant impact on purchasing interest and purchasing decisions. The mediating effect of purchasing interest on the relationship between distribution channels and product availability on purchasing decisions is also proven empirically. Purchasing decisions can be increased through purchase interest by increasing digital distribution channels by MSME players. Policies in product availability can also increase purchasing decisions through purchase interest. MSME players are expected to be able to provide more variety in digital distribution channels and increase the availability of relatively more complete products

Interest In Transacting : The Role Of Lifestyle And The Effectiveness Of Advertising On Instagram Social Media

2024-05-02T16:42:10+07:00

The purpose of this study is to ascertain how lifestyle affects interest in transactions on social media platforms like Instagram and how effective advertising is in generating interest in transactions on these platforms in Kuningan District. The descriptive verification research method is the one that was employed. Multiple linear regression analysis is the technical analysis that is used. The study's findings indicate that: Interest in transacting on social media platforms like Instagram is positively and significantly influenced by one's lifestyle. The interest in transacting on social media platforms like Instagram is positively and significantly impacted by the efficacy of advertising

Pengaruh Net Interest Margin dan Capital Adequacy Ratio Terhadap Return On Assets di PT Bank Jtrust Indonesia Tbk

2024-05-02T16:41:14+07:00

This research aims to determine the effect of Net Interest Margin and Capital Adequacy Ratio on Return on Assets at PT. Bank JTrust Indonesia Tbk. The sample used in this research is the balance sheet and profit and loss report of PT. Bank JTrust Indonesia Tbk 2015-2022. Linear regression analysis has been used to analyze the data in this study. The research results show that although NIM and CAR are considered key indicators in measuring a bank's financial health, the research results show that they do not have a direct influence on bank profitability as measured by ROA. A high NIM may not be enough to offset the decline in overall interest income. Meanwhile, a high CAR indicates that the bank has enough capital to cover risk, but this does not always mean higher profitability. It is therefore important to look beyond just NIM and CAR in analyzing bank profitability.