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All Journal Journal Economics Technology and Entrepreneur AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam
Yuan Swastika
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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FACTORS AFFECTING THE USE OF DIGITAL PAYMENTS IN INDONESIA EVIDENCE FROM GLOBAL FINDEX DATABASE 2021 Yuan Swastika; Sofian Maksar, Muhammad; Cahyani, Eka Angelina
Journal Economics Technology And Entrepreneur Vol 3 No 3 (2024): ECOTECHNOPRENEUR : JOURNAL ECONOMICS, TECHNOLOGY AND ENTREPRENEUR
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/ecotechnopreneur.v3i3.1254

Abstract

Digital payment is a type of payment that uses electronic means such as Internet Banking. Digital payments have become an integral part of modern life, driven by technological developments, changes in consumer behavior, and the need for efficiency.. This study aims to determine the influence of demographic factors (gender, age, education, and area of residence) and economic factors (occupation, income, and internet access) on the use of digital payments in Indonesia. Based on the results of data processing using StataMp17 (64 bit), the results of the study show that demographic factors of gender, education, and area of residence have a significant influence on the use of digital payments, but demographic factors of age show results that do not have a significant effect on the use of digital payments. While economic factors of work and internet access have a significant influence on the use of digital payments, but economic factors of income show results that do not have a significant effect on the use of digital payments.
ANALYSIS OF FINANCIAL PERFORMANCE USING PEARLS AT THE THANKS TO BULUKUMBA SAVINGS AND LOANS COOPERATIVE 2018-2022 Yuan Swastika; M. Tahir, An Najar
AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam Vol 3 No 03 (2024): AT TARIIZ : JURNAL EKONOMI DAN BISNIS ISLAM
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/attariiz.v3i03.1255

Abstract

In a Savings and Loan Cooperative, good management of protection, effective financial structure, asset quality, rates of return and costs, liquidity, and signs of growth are key factors that support long-term success. The theories put forward by the experts above provide an important basis for cooperative management to understand and implement appropriate strategies in maintaining the sustainability and growth of cooperatives. This research aims to analyze the financial performance of the Thanks to Bulukumba Savings and Loans Cooperative (KSP) during the 2018-2022 period using the PEARLS method. The PEARLS method consists of aspects of Protection, Effective Financial Structure, Asset Quality, Rates of Return and Costs, Liquidity, and Signs of Growth. The research results show that even though KSP Berkat experiences fluctuations in several indicators, overall the cooperative remains in the healthy category. This evaluation provides an important picture of the cooperative's strengths and weaknesses for better strategic planning in the future.
Co-Authors Cahyani, Eka Angelina M. Tahir, An Najar Sofian Maksar, Muhammad