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FINTECH BASED PEER TO PEER LENDING: AN OPPORTUNITY OR A THREAT? Setyaningsih, Titik; Murti, Nugroho Wisnu; Nugrahaningsih, Putri
Riset Akuntansi dan Keuangan Indonesia Vol 4, No 3 (2019): Riset Akuntansi dan Keuangan Indonesia
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/reaksi.v4i3.8577

Abstract

One dimension of financial inclusion is people's access to loan funds. Fintech facilitates providers of funds (lenders) with those who need funds (borrowers) through the digital market. Fin Tech Peer-to-peer(P2P) lending has two blades for the borrower's perspective, one side as a solution, on the other hand had a risc. This quantitative research used data with research instruments by questionnaires. Data were analyzed from 62 respondents who lived in around Surakarta in Central Java. This study found that potential customers prefer to use this service rather than not using it, when they perceive that P2P lending is a good opportunity to provide financial needs. More important information needs to be conveyed that the decision to delay using these services has a greater tendency to keep using them in the future. These results provide practical implications that doubts about using Fin Tech-based P2P lending financing services are still high even though prospective customers had good perception about the service as an opportunity from the perspective of the prospective customer. Interesting results also showed that the choice remains consistent even though prospective respondents consider the risk of P2P lending.Keyword: Fin Tech Peer to Peer lending, lender, borrower, apportunity, risk
Implementation and Visualization of Business Intelligence Based Budget in Ngawi District Financial Agency 2021-2023 Pudyaningrat, Elsa; Nugrahaningsih, Putri
AKUMULASI: Indonesian Journal of Applied Accounting and Finance Vol. 3 No. 1 (2024): June
Publisher : Vocational School, Universitas Sebelas Maret (UNS), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/akumulasi.v3i1.1735

Abstract

This research aims to determine the s of budget implementation and visualization from 2021 to 2023 in the Financial Agency of Ngawi Regency which uses Business Intelligence Power BI as a basis for decision-making. This is quantitative research which used a descriptive-quantitative approach method. To collect the data, the researchers used a literature study and documentation of the summary of APBD (Anggaran Pendapatan Belanja Daerah/APBD) data in the Financial Agency of Ngawi Regency from 2021 to 2023. The results indicate that there are fluctuations in the Regional Income, Regional Expenditures, and Regional Financing when implementing and visualizing budget data (APBD) using Business Intelligence Power BI. Cumulatively, the total APBD is Rp 13,732,224,315,602.00, with a total growth of 210.3%. The next result is the Financial Agency of Ngawi Regency can use Business Intelligence Power BI to analyse and visualize the APBD budget data for decision-making purposes. It shows that this system can be used for decision-making by this agency because it is user-friendly, fast, accurate, and informative.