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ANALYSIS OF DETERMINANTS FOR DETERMINING FINANCIAL INNOVATION AND ITS IMPACT ON BANKING FINANCIAL PERFORMANCE Wahyudi Wahyudi; Yoko Tristiarto
Journal of Management and Leadership Vol 3 No 1 (2020): Volume 3 - Nomor 1 - May 2020
Publisher : Management and Leadership Study Programme

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Abstract

This study aims to determine the determinants of innovation in the financial sector namely size, age, cooperation with external parties and Training and R & D Expenditure and its impact on financial performance. The sample used is 13 banks that have the largest market capitalization and actively innovate every year for 5 years. While the population is a bank listed on the Indonesia Stock Exchange. The data used is secondary data. and using path analysis. The result of testing jointly the influence of size, age, cooperation with external parties and Training and R & D Expenditure and its impact on financial performance, through the ability of innovation, is equal to 0.364 or 36.4%. While the rest of 63.6% is the influence of other factors outside the independent variable. Testing on the basis of the variables of cooperation with external parties have a significant effect on performance through the ability of innovation. While size, age, and Training and R & D Expenditure does not effect the financial performance through the ability of innovation Keywords : Size, Age, Cooperation, Expenditure for Training, Research Development and Financial Performance
Analisis Peran Pemerintah, Inovasi dan Literasi Keuangan Terhadap Pengembangan Usaha Kecil dan Menengah Yoko Tristiarto; Wahyudi Wahyudi; Tri Siswantini
IKRAITH-EKONOMIKA Vol 4 No 1 (2021): IKRAITH-EKONOMIKA VOL 4 NO 1 Bulan Maret 2021
Publisher : Universitas Persada Indonesia YAI

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Abstract

Penelitian ini merupakan penelitian kuantitatif yang bertujuan untuk mengetahui pengaruh literasi keuangan, inovasi, dan peran pemerintah terhadap pengembangan UKM. Populasi dalam penelitian ini adalah pelaku UKM yang berada di wilayah Desa Bojongcae Kecamatan Cibadak Lebak Banten. Ukuran sampel diambil sebanyak 100 sampel, dengan metode non probability sampling khususnya adalah purposive sampling. Pengumpulan data dilakukan melalui penyebaran kuesioner dengan sampel berjumlah 100 responden. Teknik analisis yang digunakan adalah metode analisis Partial Least Square (PLS). Hasil penelitian ini menunjukkan bahwa (1) literasi keuangan tidak berpengaruh terhadap pengembangan UKM dengan nilai koefisien jalur sebesar 0,051 . (2) inovasi memiliki pengaruh signifikan terhadap pengembangan UKM dengan nilai koefisien jalur sebesar 0,77 . (3) peran pemerintah berpengaruh signifikan terhadap pengembangan UKM dengan nilai koefisien jalur sebesar 0,178.
Meningkatkan Kemampuan UMKM Kecamatan Cibadak Kabupaten Lebak Banten Melalui Workshop Sistem Daya Saing (Pelatihan Accounting, Pricing, dan Marketing Berbasis Web) Wahyudi Wahyudi; Yoko Tristiarto; Yul Tito Permadhy; Anita Nopiyanti
IKRA-ITH ABDIMAS Vol 6 No 1 (2023): IKRAITH-ABDIMAS Vol 6 No 1 Maret 2023
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37817/ikra-ithabdimas.v6i1.2384

Abstract

The lack of solid Indonesian economic fundamentals has prompted the government to buildan economic structure by taking into account the existence of Micro, Small and MediumEnterprises (SMEs). This sector has been proven to provide jobs and provide opportunities forSMEs to develop in society. The existence of SMEs cannot be doubted because they have proven tobe able to survive and become an economic driver, especially after the economic crisis. On theother hand, SMEs also face many problems, namely limited working capital, low humanresources, and inadequate mastery of science and technology. Another obstacle faced by MSMEsis the unclear relationship with business prospects and unstable planning vision and mission.Providing information and market networks, easy access to funding and assistance as well asincreasing information technology capacity are some strategies to increase the competitiveness ofIndonesian SMEs.In this case, special attention is needed for SMEs, especially for business records,determining HPP and marketing problems. Efforts to develop small and medium industries, thenthese weaknesses must be overcome. This is where the role of universities as educationalinstitutions can be more involved and help overcome existing problems so that it is hoped thatMSMEs can continue to play a role in Indonesia's economic growth and development.