Claim Missing Document
Check
Articles

Found 39 Documents
Search

Strategi Financial Technology dalam Mengatasi Lonjakan Transaksi Lender pada Masa Pandemi Covid 19 Apriani Simatupang; Elmira Siska
KAMBOTI: Jurnal Sosial dan Humaniora Vol. 1 No. 2 (2021): KAMBOTI April 2021
Publisher : LLDIKTI WIlayah XII Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (399.378 KB) | DOI: 10.51135/kambotivol1iss2pp173-181

Abstract

The pandemic of Covid 19 has affected all business activities. This impact was also felt in various financial institutions. Financial institutions are increasingly carrying out their activities based on technology. We call this technology-based financial institution as FinTech. Peer-to-peer Lending (P2PL) is an example of a Fintech product. This product assists MSMEs (Micro, Small, and Medium Enterprises) in becoming more financially integrated. The P2PL existence can increase the MSMEs financing and ultimately will improve the performance of MSMEs business. The Covid 19 pandemic caused P2PL transactions to increase. Lender transactions have increased every month since the pandemic. Therefore, this paper aims to describe what should be done by Fintech in dealing with the surge in lender transactions so that Fintech can survive, while in the same period business productivity has decreased. The research method used is literature study by collecting documentation data from various writings. The finding of this analysis shows that three things must be done to overcome the spike in lender transactions so that bad credit does not occur, namely Regulation and Implementation of Risk Mitigation in the Peer-to-peer Lending Implementation, Obligation of the OJK SLIK Reporting, and the Application of the Prudential Principle.
SOSIALISASI MANAJEMEN KONFLIK KEPADA KARYAWAN MNC BANK KANTOR CABANG BOGOR Elmira Siska; Nurlaela Eva Puji Lestari; Lela Elvira; Siti Mabrur Rachmah
SEWAGATI: Jurnal Pengabdian Masyarakat Indonesia Vol. 1 No. 3 (2022): September : Jurnal Pengabdian Masyarakat Indonesia
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (242.213 KB) | DOI: 10.56910/sewagati.v1i3.121

Abstract

Kegiatan pengabdian masyarakat ini bermitra dengan MNC Bank Kantor Cabang Bogor. Sejak wabah pandemic melanda, karyawan bank dituntut agar tetap memberikan pelayanan publik yang prima dan pastinya menciptakan berbagai inovasi yang sesuai dengan kebutuhan masyarakat. Kehadiran new normal secara langsung menimbulkan banyak perubahan terhadap kegiatan pelayanan publik yang dilaksanakan oleh karyawan bank. Adanya perubahan atau inovasi berpotensi menimbulkan konflik antar karyawan bank buila tidak dikomukasi dengan baik. Pengabdian masyarakat ini bertujuan untuk memberikan pemahaman tentang manajemen konflik pada karyawan MNC Bank. Pelaksanan kegiatan Pengabdian Masyarat dilakukan melalui tiga tahap yang meliputi tahap persiapan, pelaksanaan secara hybrid, dan tahap evaluasi kegiatan. Materi yang diberikan sesuai dengan kebutuhan peserta, sehingga peserta pelatihan merasa puas terhadap pelatihan yang diberikan. hasil Uji Statistik dengan program SPSS mendindikasikan pelatihan ini berdampak signifikan terhadap peningkatanan wawasan/pengetahuan, keterampilan/keahlian karyawan MNC Bank Cabang Bogor dalam mengidentifikasi dan mengendalikan konflik yang terjadi.
Pengaruh Investasi Portofolio Asing dan Variabel Makro Ekonomi Terhadap Perkembangan Pasar Saham Indonesia Elmira Siska; Desy Arigawati
Media Riset Bisnis & Manajemen Vol. 18 No. 1 (2018): Media Riset Bisnis & Manajemen
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (262.514 KB) | DOI: 10.25105/mrbm.v18i1.4989

Abstract

Abstract Purpose – The purpose of this research is to examine the effect of Foreign Portfolio Investment and some of macroeconomic variables included gross domestic product, exchange rate, interest rate and inflation rate on stock market growth in Indonesia in the long run. Design/Methodology/Approach  - This study used descriptive analysis method with a quantitative approach. The data used in this study were secondary data with a time series period 2009 – 2016. To analize the data, several econometric techniques were applied in this study i.e. the unit root test, co integration test and Error Correction Model (ECM).Findings - Results of this study indicate that all variables are significantly effect on stock market growth in Indonesia in the short run and long run, except interest rate. Interest rate only has significant effect in the short run. This result can be reference or consideration for the government in formulating policies to improve the development of Indonesian stock market. Abstrak Tujuan – Penelitian ini bertujuan untuk menguji pengaruh Investasi Portofolio Asing dan beberapa variabel makroekonomi terpilih yaitu produk domestik bruto, nilai tukar rupiah, suku bunga dan tingkat inflasi terhadap pertumbuhan pasar saham di Indonesia dalam jangka panjang.Desain/Metodologi/ Pendekatan – Penelitian ini menggunakan metode analisis deskriptif dengan pendekatan kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder dengan deret waktu kuartalan periode period 2009.1 – 2016.4. Untuk mengolah data, beberapa teknik ekonometrik digunakan dalam penelitian ini, antara lain, unit root test (uji akar unit), uji kointegrasi dan Error Correction Model (ECM).Temuan – Hasil penelitian mengindikasikan bahwa semua variabel penelitian mempunyai pengaruh yang signifikan terhadap pertumbuhan pasar saham di Indonesia dalam jangka panjang, kecuali tingkat suku bunga. Tingkat suku bunga hanya mempunyai efek yang signifikan dalam kangka pendek. Hasil penelitian ini dapat menjadi acuan atau pertimbangan bagi pemerintah dalam merumuskan kebijakan dalam rangka mengembangkan pasar saham Indonesia. 
Role of Information Communication Technology in Accelerating the Sustainable Development Goals in Financial Inclusion Elmira Siska; Dante Rio Sebastian
Journal of Business and Economics Research (JBE) Vol 3 No 3 (2022): October 2022
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v3i3.2258

Abstract

The UN has assigned Sustainable Development Goals (SDGs) as a framework for development agendas and political strategies for the next 15 years. To accomplish the SDGs, both developed and developing countries must adopt the SDGs. SDGs consist of 17 goals that address a wide variety of sustainable development issues. The objective of this study was to analyze the roles of ICT in accelerating the achievement of the SDGs, to investigate in which number of SGDs the ICT can be utilized to accelerate financial inclusion, and to identify the success factors toward ICT-enabled financial inclusion. This study employed a qualitative research design by using a systematic literature review (SLR) approach. Secondary data gathered from various resources related to the research topic, such as national journals, international journals, proceedings, books, reports, and other relevant scientific sources from 2016 to 2022 were used in this study. The finding of the study highlights the importance of ICT in accelerating the implementation in all of the 17 SDGs. In relation to SDGs in financial inclusion, ICT has an essential role in SDG 1 (ending poverty), SDG 5 (gender equality), SDG 8 (small businesses and entrepreneurship), and SDG 9 (sustainable infrastructure). Some factors that affect the success of ICT-enabled financial services include policy framework between financial institutions and mobile providers, adequate financial and technical resources, and, a collaborative effort among banks, operators, and agents.
Digital Bank Financial Soundness Analysis at PT Bank Jago Tbk.: CAMEL Framework Approach Elmira Siska
ARBITRASE: Journal of Economics and Accounting Vol. 3 No. 3 (2023): Maret 2023
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v3i3.700

Abstract

Out of around 250 digital banks in the world, 20% are in Asia Pacific region, and only around 5% have crossed the profitability line. Bank Jago is the sixth digital bank in Indonesia. The objective of current research is to analysis financial soundness of PT Bank Jago Tbk under CAMEL framework which includes capital, assets quality, management, earnings, and liquidity. This study employs non-statistical quantitative methods. Sampling method was utilized is purposive sample technique. The data utilized is secondary data on the financial performance of CAR, KAP, NIM, ROA, and LDR, presented as a yearly time series from 2018 to 2022. The data was taken from PT Bank Jago's yearly report, which is accessible at the bank’s web address. Data analysis was carried out by employing a horizontal analysis technique. Finding of the study conclude that Bank Jago has very strong capital, as indicated by the CAR ratio. Bank Jago's asset quality as reflected on KAP ratio is in good condition. Bank Jago's management, as indicated by the NPM ratio, Bank's profitability as indicated by the ROA ratio, and Bank’s liquidity reflected by the LDR ratio, all off still at an unhealthy level. Going forward, Bank Jago will implement a plan to boost lending by working with partners in a variety of financing goods in order to enhance financial performance.
Economic Risk and Stock Market Development: Evidence from Indonesia Stock Exchange Elmira Siska; Oyyappan Duraipandi
Proceeding of The International Conference on Economics and Business Vol. 2 No. 1 (2023): Proceeding of The International Conference on Economics and Business
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/iceb.v2i1.267

Abstract

The main objective of current research is to examine the long-run relationship between several economic risk factors which include the exchange rate, rates of interest, inflation, and the stock market capitalization in Indonesia. This study utilized secondary data from the first quarter of 2000 until the fourth quarter of 2020. This study employs a quantitative research design with a descriptive approach. Before processing the data using the Johansen Cointegration test and Vector Error Correction Model (VECM), the stationary of the data was checked by employing the Ng-Perron unit root test. The Eviews-10 program is used to process the data. Ng-Perron unit root test indicated that the time series is stationary at the first difference. Results of the Johansen Cointegration test confirmed that there is a long-term relationship between economic risk which consists of the USD exchange rate against the Rupiah, interest rates, inflation figures, and stock market capitalization. The VECM results indicate that this economic risk indicator has a negative effect on the development of the capital market in Indonesia. The study recommends that the government and policy maker should implement economic risk mitigation through monetary policy instruments to enhance the Indonesia capital market development
Effect of Systematic Risk on Stock Market Development in Indonesia: Moderating Role of Political Stability Elmira Siska; Oyyappan Duraipandi
Proceeding of The International Conference on Economics and Business Vol. 2 No. 1 (2023): Proceeding of The International Conference on Economics and Business
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/iceb.v2i1.268

Abstract

The objective of this study is to examine the effect of systematic risk which includes the exchange rate, rates of interest, inflation, and the stock market capitalization in Indonesia linked with political stability as moderating variable. This study is based on secondary data from the first quarter of 2000 until the last quarter of 2020. A quantitative research design with a descriptive approach was employed in this study. To avoid spurious regression, the stationary of the time series was checked by utilizing the Ng-Perron unit root test. To process the data, SPSS-25 and Eviews-10 programs were applied. According to the result of Ng-Perron test, the research’s variable is stationary at the first difference. The regression result confirmed that systematic risk, which consists of the USD exchange rate against the rupiah, interest rates, and inflation level have a negative impact on stock market development in Indonesia. Second, political stability plays an important role on the weakened negative impact of exchange rates, interest rates, and inflation on stock market development in Indonesia. The study recommends that the Indonesian government along with the public people must be able to maintain domestic political stability
Pengaruh Pelatihan Kerja dan Disiplin Kerja terhadap Kinerja Karyawan pada PT Metropolitan Kentjana Tbk Mutia Dwi Lestari; Elmira Siska; Natal Indra
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 3 No. 3 (2023): juli : Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v3i3.592

Abstract

This study aims to determine how much influence work training and work discipline have on employee performance at PT Metropolitan Kentjana Tbk (Pondok Indah Golf Apartment Unit). The research method used is a quantitative method approach with data collection techniques using purposive sampling with a total sample of 50 respondents. Primary data was collected using a questionnaire in Likert scale units. Data processing uses SPSS 25 software for instrument testing, classical assumption testing, multiple linear regression analysis, and hypothesis testing. The results showed that partially, job training has a positive and significant relationship to employee performance. Work discipline also has a positive and significant relationship to employee performance. Then, through training tests simultaneously, both variables, both work and work discipline have a positive and significant relationship to employee performance.
Pengaruh Motivasi dan Lingkungan Kerja Terhadap Kinerja Karyawan pada PT Angkasa Pura Support Haana Asyifa; Elmira Siska; Natal Indra
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 3 No. 3 (2023): juli : Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v3i3.609

Abstract

This study aims to determine how much influence work motivation and work environment have on employee performance at PT Angkasa Pura Support at the head office. The research method used is a quantitative method approach with data collection techniques using probability sampling with a population of 178 employees and samples taken using the slovin formula, namely as many as 65 respondents. Data collection using a questionnaire in Likert scale units. Data processing uses SPSS 16 software for instrument testing, classical assumption testing, multiple linear regression analysis, and hypothesis testing. The results showed that partially, work motivation or work environment has a positive and significant relationship to employee performance. Likewise, simultaneous testing of both motivational and work environment variables has a positive and significant relationship to the performance of employees of PT Angkasa Pura Support.
Pengaruh Manajemen Modal Kerja dan Struktur Modal terhadap Profitabilitas Perusahaan yang Terdaftar di BEI Juniar Anggari Ninditia; Elmira Siska; Natal Indra
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 3 No. 3 (2023): juli : Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v3i3.615

Abstract

Working capital is the amount of current assets used to carry out the company's daily operations, while capital structure refers to the proportion of capital obtained from various sources, such as debt and own capital. Profitability is a measure of financial performance that shows how effectively a company generates profits from its operations. This study aims to analyze the effect of working capital (WCT) and capital structure (DER) on the level of profitability (ROA) of companies. This research method uses a quantitative approach. The data source is in the form of finances for manufacturing companies in the food and beverage sub-sector on the IDX for the 2019-2022 period. The sampling technique was porposive sampling so that 31 companies were netted. Data analysis techniques include descriptive statistical tests, classic assumption tests, multiple linear regression tests, t tests, and f tests. The results of the study show that partially WCT has a positive and significant effect on ROA. partially DER has a positive and significant effect on ROA. Simultaneously, both WCT and DER have a positive and significant effect on ROA. The practical implication of this research is that company management can use the findings of this research to optimize the management of their working capital and capital structure, so as to increase the company's profitability.