The Management Journal of Binaniaga

Evaluation of Fintech's Impact on Financial Inclusion in Indonesia: A Case Research on the Use of Digital Payment Services

Sriyono Sriyono, Salsabilla Andjani, M Fatur Irawan — Sat, 30 Dec 2023 00:00:00 +0000

This research puposes to evaluate the impact of fintech on financial inclusion in Indonesia with a focus on the use of digital payment services. Primary data was collected through surveys involving users of digital payment services and secondary data was obtained from reports and publications related to financial inclusion in Indonesia. The research results show that the use of digital payment services through fintech has made a positive contribution to financial inclusion in Indonesia. Fintech has enabled access to financial services for those previously underserved by the traditional banking system. Digital payment services enable easier, faster and safer financial transactions, and provide an affordable alternative to conventional payment methods. However, there are several challenges that need to be overcome to increase financial inclusion through fintech in Indonesia. These challenges include financial literacy, access to technological infrastructure, and transaction security. It is hoped that the results of this research can provide input for the government, regulators and industry players in developing policies and strategies to increase financial inclusion through fintech in Indonesia.

Implications of the Go Digital Training Program on the Productivity of Pindang MSMEs

Nuraeni Fauziah, Enjang Suherman, Flora Patricia Anggela — Sat, 30 Dec 2023 00:00:00 +0000

This research purposes to understand the impact of training on sales productivity. Productivity of Pindang MSMEs in Banyusari, Cicinde Utara Village. This research method uses quantitative research. Data analysis used simple linear regression on a sample of 146 respondents. According to a simple linear regression test for sales productivity of 11.560% according to the t-test, the results of this research prove that the training program has an effect on the sales performance of Pindang MSMEs in Cicinde Banyusari Village. This can be seen from the t-count (12.247) > t-table (1.976) with a significance level of 0.000 < 0.05 according to the coefficient of determination (R²) of 0.517. This shows that among Pindang MSMEs in Banyusari, Cicinde Utara Village, job training has a 51.7% relationship with sales productivity, while the remaining 48.3% is influenced by other factors not studied in other cases. The research results show that training is positively and significantly related to sales productivity. Future researchers should research a broader population and pay more attention to other aspects that influence sales productivity.

The Effect of Perceptions of Organizational Support, Job Demands, and Job Satisfaction on Employees Job Engagement

Sat, 30 Dec 2023 00:00:00 +0000

According to the data obtained, there are changes in data on the number of employees at the company PT. Rezky Service System in the last three years (2021 to 2023). During this period, there were variations in the number of employees engaged in company work. This research purposes to determine the effect of perceptions of organizational support, job demands and job satisfaction on job engagement among PT employees. Rezky Service System. This research uses a quantitative descriptive method. The population in this research was all 45 employees at PT. Rezky Service System and also a sample. Data collection was conducted using questionnaires and observation. Data were analyzed using multiple linear regression using the SPSS program. The results of this research show that partially the variable perception of organizational support, job satisfaction has a positive and significant effect on job engagement among PT employees. Rezky Service System, while the job demands variable has no significant effect on job engagement among PT employees. Rezky Service System and tests conducted for all variables showed that Perception of Organizational Support, Job Demands and Job Satisfaction simultaneously had a positive and significant effect on Job Engagement.

Analysis of the role of leadership in improving employee performance at palm oil processing factories

Muhammad Naufal Amirul Hakim, Margie Subahagia Ningsih, Rizkha Rida — Sat, 30 Dec 2023 00:00:00 +0000

A company's survival can be maintained by increasing the productivity of its workers so that production results increase and provide more profits for the company. Increasing employee productivity, one of which is performance, is influenced by the role of company leaders. The performance of PTPN IV Adolina Perbaungan Palm Oil Processing Factory employees has decreased. One of the factors that influences employee performance is the role of leadership. Based on the interview results, this is due to a lack of employee awareness regarding the motivation provided by their leaders. This research is quantitative with a cross-sectional method using a research instrument in the form of a research questionnaire. Data analysis uses multiple linear regression tests. This research obtained results that the leadership and employee performance carried out at PTPN IV Adolina Perbaungan in the good category each had an average value of 3.9 and 4.0. Leadership significantly affects employee performance with a t-table value of 16.358 > 1.993 and a significance value of 0.000. The role of leadership influences employee performance improvement. Companies need leaders who can empower their employees so that the company's vision and mission can be achieved.

Analysis of User Satisfaction for Go-Pay Mobile Payment Based on E-Service Quality

Galan Subiansyah, Rindang Matoati — Sat, 30 Dec 2023 00:00:00 +0000

Technology development has provided easier access and increased internet user penetration in Indonesia. An adaptation resulting from this progress is the digital payment system. Changes in the payment system have increased the demand for mobile payment services, leading to the emergence of competition among service providers. One of this competition’s services is Go-Pay, an integrated mobile payment service within its parent company's main application. This research aims to identify the characteristics of Go-Pay mobile payment service users, analyze the importance and performance levels of each e-service quality attribute of Go-Pay, and assess user satisfaction with Go-Pay. The methods used include descriptive analysis, Importance Performance Analysis (IPA), and Customer Satisfaction Index (CSI). The research results show that users consider sixteen out of twenty-four attributes important. Go-Pay demonstrates a high level of alignment between performance and importance, reaching 97%. The calculated CSI falls into the 'very satisfactory' category.

The Effect of workload, work environment, and job insecurity on employee turnover intention

Noor Handayani, Hawik Ervina Indiworo, Rita Meiriyanti — Sat, 30 Dec 2023 00:00:00 +0000

Turnover intention occurs in companies engaged in manufacturing, namely PT Kertas Energi Mulia Jepara where for the past year this company has experienced turnover intention every month. The largest decrease in employees occurred in December as many as 70 employees. The reason employees leave the company is because they are not ready for the borong system applied to the company. This research purposes to analyse the effect of workers' compensation, work environment, and job insecurity on the likelihood of employee turnover. This research was conducted at PT Kertas Energi Mulia Jepara which is located at KM Sukri No. 5, Potroyudan XIV, Kec. Jepara, Jepara District, Central Java, Indonesia. Quantitative methods were used in this research. The data collection process was conducted by distributing questionnaires directly to employees, and 113 of them responded. The findings of this research indicate a positive and statistically significant relationship between workload and turnover intention, as well as a positive and statistically significant relationship between job insecurity and turnover intention, but no relationship between workplace environment and turnover intention. The adjusted coefficient of determination (R2) value was 0.238 or 23.8%, while other variables such as job stress and job satisfaction accounted for 76.2% of the variance

Comparative Efficiency of Fleet Manangement System Versus Transportation Manangement System on Transportation Vehicle Tracking System Efficiency

Muhammad Choiril Hidayat, Indro Kinoro — Sat, 30 Dec 2023 00:00:00 +0000

Fleet management is a relevant operational level activity that companies must face. Along with the development of technology, two systems that are often used to improve visibility and efficiency in tracking activities in the transportation industry are Fleet Management System (FMS) and Transportation Management System (TMS). In describing the advantages and disadvantages of each system, this research uses a qualitative approach with comparative analysis. The comparative analysis highlights the differences in priorities between departments at PT Varia Usaha Fabrikasi, where the Head of Driver Management & OHS emphasizes safety and OHS, while the Head of Operations focuses more on operational efficiency. Operations focuses more on operational efficiency. A view from an information technology perspective by the Head of IT concluded that the choice between FMS and TMS depends on current needs and future strategic direction, with FMS being efficient for real-time tracking and TMS providing a strategic data foundation.

The Role of Market Reaction Analysis in View of Company Size, Average Revenue, and Profitability

Fitri Dwi Jayanti, Dewi Ari Ani, Arda Raditya Tantra — Sat, 30 Dec 2023 00:00:00 +0000

This research aims to determine the effect of company size and income smoothing on stock market reactions. The capital market is a place where investors as fund owners meet with issuers as companies seeking funds. In making a decision to invest, an investor needs a financial report to find out information and to use it as consideration if the investor wants to invest. The test results for the income smoothing variable show that the regression coefficient is positive at 2.805. The t statistical test for the Income Smoothing variable obtained a calculated t value of 2.805 which was greater than the t table value of 1.668. The significance value obtained was 0.007, which was smaller than the predetermined significance value, namely 0.05. This shows that income smoothing has an effect on the market reaction of the company. The test results above show that ROA with earnings response has a positive regression direction, so that an increase in ROA causes an increase in Company Value. The results of the t test show that the Roa variable has a t value > t table (3.804> 1.668) and a significance value < 0.05, namely the significance level obtained (0.000 < 0.05).

Modern Technical Analysis of Investment Decisions in IHSG Shares in the Banking Sector in the Midst of Economic Recession Issues

Mhd. Riadul Afkar Afkar — Sat, 30 Dec 2023 00:00:00 +0000

This research aims to analyze the trend of IHSG share price movements in the banking sector amidst the issue of the global economic recession on investment decisions. This type of research is descriptive with a qualitative approach using secondary data. The research subjects were 4 banking issuers included in the Top 10 IHSG Fact Sheet Constituents as of September 2023 published by the IDX. The object of the research is graphic data and monthly shares price movement trends for 4 issuers from November 2022 to November 2023. This data is analyzed using a modern technical analysis approach using MACD and RSI indicators via the tradingview.com site. The research results show that in general there is an upward trend in issuers' share prices as evidenced by signals of bullish momentum on the MACD and an overbought situation on the RSI. This provides investors with initial information to make decisions about selling shares in order to obtain optimal returns. The phenomenon of inflation and high interest rates because of the emergence of the issue of economic recession in 2023 will not have a significant impact on the trend of share price movements of banking issuers.