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All Journal REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi, dan Bisnis
Delfi Yandri
Institut Teknologi dan Bisnis (ITB) Swadharma
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN KREDIT CEPAT DAN AMAN PT.PEGADAIAN (PERSERO) UPC CIRENDEU Delfi Yandri; Dewi Rahmah Fatmalia
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 9, No 01 (2020): KOMPLEKSITAS EDISI JUNI 2020
Publisher : ITB Swadharma

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Abstract

During the last five years, the number of loans disbursed to the Indonesian people has increased (in trillions), namely in 2009 was 11,855; in 2010 is 15,021; the year 2011 was 19,872; in 2012 was 22,854; and in 2013 was 21.505 (BPS, 2016). Likewise, the development of the number of requests for credit disbursed by PT Pegadaian Cirendeu has increased in the last five years. The increasing number of requests for credit by the public provides an opportunity for PT Pegadaian as an alternative to channeling credit to the community, especially for the middle to lower class people who do not get credit facilities from banks. KCA (Fast and Secure Credit) is a loan from PT Pegadaian with a pawn system whose repayment is made by paying the loan money and capital rent and given to all groups of customers
ANALISIS PROSES REKRUTMEN DAN SELEKSI TERHADAP KINERJA KARYAWAN PT. BANK MANDIRI Delfi Yandri; Nadhifa Putri Adiani
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 9, No 02 (2020): KOMPLEKSITAS EDISI DESEMBER 2020
Publisher : ITB Swadharma

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Abstract

In the management of Human Resources (HR), one of the important things is the recruitment and selection process, where this process is expected to assist the company in obtaining qualified and qualified candidates in accordance with the specified qualifications to encourage the achievement of the company goals. Recruitment is the process of finding and attracting prospective employees (applicants) who are able to apply as employees or open job vacancies until they get the desired candidate or meet the qualifications according to the position or vacancy available. Selection is the first attempt by the company to obtain qualified employees. and competent who will serve and do all the work in the company. Selection is a material part of human resource management operations, namely procurement, while the procurement itself consists of planning, recruitment, selection, placement, and production. The purpose of this study was to determine the recruitment and selection process on employee performance at PT. Bank Mandiri
PERKEMBANGAN DAN DAMPAK FINANCIAL TECHNOLOGY (FINTECH) TERHADAP PERILAKU MANAJEMEN KEUANGAN DI MASYARAKAT Hadi Purwanto; Delfi Yandri; Maulana Prawira Yoga
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 11, No 1 (2022): KOMPLEKSITAS EDISI JUNI 2022
Publisher : ITB Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/kompleksitas.vol11no1.220

Abstract

Fintech has emerged in Indonesia for various types of digital financial services since 2007. Fintech in Indonesia has penetrated various sectors, ranging from payments, lending, financial planning (personal finance), retail investment, crowdfunding, remittances, financial research, and others. This study aims to determine the development and impact of Fintech on the behavior of the Indonesian people in managing their finances. The research is a literature study with a descriptive qualitative approach to collect and evaluate research related to  Fintech in Indonesia. The results show that fintech has positive and negative impacts on society but also provides benefits to society. Fintech changes people's behavior in collecting, storing, and using money for transactions. For example, to get funds to develop a business and increase income, you can use Microfinancing Fintech, to borrow the money you can use Fintech P2P Lending Services, and for financial planning and investment, you can use Market Comparison and Investment types of Fintech.Fintech muncul di Indonesia untuk berbagai jenis layanan keuangan digital sejak 2007. Fintech di Indonesia telah merambah ke berbagai sektor, mulai dari pembayaran, peminjaman (lending), perencanaan keuangan (financial planner), investasi ritel, pembiayaan (crowdfunding), remitansi, riset keuangan, dan lain-lain. Penelitian ini bertujuan mengetahui perkembangan dan dampak yang ditimbulkan dari fintech kaitannya dengan perilaku masyarakat Indonesia dalam mengelola keuangannya. Penelitian bersifat studi literatur dengan pendekatan kualitatif deskriptif untuk mengumpulkan serta mengevaluasi penelitian yang terkait pada topik fintech di Indonesia. Hasil penelitian menunjukan bahwa fintech memiliki dampak positif dan negatif di masyarakat namun juga memberikan manfaat bagi masyarakat. Fintech mengubah perilaku masyarakat dalam mengumpulkan, menyimpan, dan menggunakan uangnya untuk bertransaksi. Contohnya untuk memperoleh dana untuk mengembangkan usaha dan menambah penghasilan dapat menggunakan fintech jenis microfinancing, sedangkan untuk meminjam uang dapat menggunakan fintech P2P Lending Service serta kalau untuk perencanaan keuangan dan investasi dapat menggunakan fintech jenis Market Comparison dan Investment.
DAMPAK COVID 19 TERHADAP PERKEMBANGAN PASAR MODAL INDONESIA Delfi Yandri; Dhenok Darwanti; Hadi Purwanto
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 3, No 2 (2022): REMITTANCE DESEMBER 2022
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol3no2.274

Abstract

The world economy is slowly starting to move to catch up, which was paralyzed by Covid, and Indonesia is no exception. Investors tend to choose to wait and see, meaning they hold their investments and wait for the right moment to make transactions, this is because Covid 19 has caused a decline in the JCI at 6300 has fallen drastically to 3900. So this also causes a decrease in activity transactions in the Indonesian capital market. The research was carried out to analyze the impact of the Covid-19 Pandemic on the Indonesian Capital Market. The research uses descriptive and verification methods with the sample in this study, namely the Covid-19 Pandemic data as a dummy variable for Capital Market using data from the Jakarta Composite Index (IHSG). Based on the results of the linear regression statistical test, the following results were obtained: significant and negative to the Indonesian Capital Market. The results of this study are proposed to be able to contribute to society, which holds Capital Market policies and supervisory institutions regarding the importance of capital market inclusiveness in Indonesia.Ekonomi dunia perlahan-lahan mulai bergerak untuk mengejar ketertinggalan yang sempat lumpuh karena Covid, tidak terkecuali di Indonesia. Pelaku investor cenderung memilih wait and see, artinya mereka menahan investasi mereka dan menunggu saat yang tepat dalam melakukan transaksi. Hal ini disebabkan Covid 19 telah  menyebabkan penurunan IHSG di angka 6300 jatuh drastis ke titik 3900.  Sehingga hal ini berakibat kepada penurunan aktivitas transaksi di pasar modal Indonesia. Penelitian dilaksanakan dengan tujuan untuk menganalisis dampak Pandemi Covid-19 terhadap  perkembangan pasar modal Indonesia. Metode penelitian menggunakan metode deskriptif dan verifikatif dengan sampel dalam penelitian ini yaitu data selama pandemi Covid-19 sebagai variabel dummy terhadap perkembangan pasar modal yang diproyeksikan dengan Indeks Harga Saham Gabungan (IHSG). Berdasarkan hasil uji statistik regresi linier diperoleh hasil bahwa pandemi Covid-19 mempengaruhi dengan signifikan dan negatif terhadap perkembangan pasar modal Indonesia. Hasil dari penelitian ini diusulkan dapat memberikan sumbangsih terhadap masyarakat, terutama pemegang kebijakan dan lembaga pengawas pasar modal mengenai pentingnya inklusivitas pasar modal di Indonesia.
Co-Authors Dewi Rahmah Fatmalia Dhenok Darwanti Hadi Purwanto Maulana Prawira Yoga Nadhifa Putri Adiani