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The Influence of Financial Literacy Level, Perception of Return and Technological Progress on Investment Interest of Millennial Generation in Central Jakarta 金融知识水平、回报观念和技术进步对雅加达中部千禧一代投资兴趣的影响
Pub Date : 2023-10-31 DOI: 10.55927/fintech.v1i4.6248
Fajar Riyadi, Syawaluddin, Heri Ispriyahadi
Capital markets play a significant role in enhancing a country's economic development, as well as national development. The millennial generation is expected to be the leader of growth in the economic field. This research uses quantitative methodology with the Partial Least Square Technique approach to test data instruments. The sample size was determined using Hair's formula. The research findings show that financial literacy has a positive and significant effect on millennials' investment interest, while perceived returns and technological advances have no significant effect on millennials' investment interest.  The results of this study can be utilized by agencies and the government can work with the financial industry to help millennials understand investment work and help millennials understand financial concepts.
资本市场在促进国家经济发展和民族发展方面发挥着重要作用。千禧一代有望成为经济领域增长的领导者。本研究采用部分最小二乘法(Partial Least Square Technique)的定量方法来检验数据工具。样本量使用海尔公式确定。研究结果表明,金融知识对千禧一代的投资兴趣有积极而显著的影响,而感知回报和技术进步对千禧一代的投资兴趣没有显著影响。 本研究的结果可供相关机构利用,政府可以与金融业合作,帮助千禧一代了解投资工作,帮助千禧一代理解金融概念。
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引用次数: 0
Analysis of Financial Management in Kenanga UMKM in Improving Ecobric-Based Economic Welfare (Syari’ah Financial Management Review) 分析 Kenanga UMKM 在改善基于生态的经济福利方面的财务管理(Syari'ah 财务管理评论)
Pub Date : 2023-10-31 DOI: 10.55927/fintech.v1i4.6298
S. Purnamasari, P. Rozak, Kurniaty, A. Hadi, Agus Purnomo
Indonesia is ranked as the second largest plastic waste producing country in the world. Plastic waste is decomposed within 1 millennium or around 1000 years. Plastic waste has a negative impact on the environment, such as accumulation of rubbish, resulting in environmental pollution. Anticipatory and preventive steps are needed to overcome this problem. One of the right strategies is. We should apply the 3Rs, namely Reduce, Reuse and Recycle in dealing with plastic waste. Management of waste products, if managed well, will have an impact on the community's economy. The problem of this research is how the financial management carried out by Kenanga UMKM is based on ecobricks, a review of sharia financial management and what are the efforts and obstacles of Kenanga UMKM in improving the ecobrick-based economic welfare of its members. This research is research with a qualitative approach with 6 research respondents and the sampling technique uses saturated samples. The data collection technique uses observation, documents and interviews with primary sources, namely the Kenanga UMKM Unit, and secondary source data, namely documents. This research shows that financial management still uses manual and simple recording and is recapped every Saturday. The Kenanga Unit UMKM management is in business development/efforts to improve the welfare of its members.
印度尼西亚是世界第二大塑料垃圾生产国。塑料垃圾在一千年或大约一千年内就会被分解。塑料垃圾对环境产生负面影响,如垃圾堆积,造成环境污染。要解决这一问题,需要采取预见性和预防性措施。正确的策略之一是在处理塑料废物时,我们应采用 3R,即减少(Reduce)、重复使用(Reuse)和循环利用(Recycle)。如果管理得当,废品管理将对社区经济产生影响。本研究的问题是,Kenanga UMKM 如何基于生态砖进行财务管理,对伊斯兰教法财务管理的回顾,以及 Kenanga UMKM 在改善其成员基于生态砖的经济福利方面所做的努力和遇到的障碍。本研究采用定性研究方法,共有 6 名研究对象,抽样技术采用饱和样本。数据收集技术使用了观察、文件和访谈等主要来源,即 Kenanga UMKM 单位和二手来源数据,即文件。这项研究表明,财务管理仍然使用手工和简单的记录方式,并且每周六进行复述。凯南加 UMKM 单位的管理层正在发展业务/努力改善其成员的福利。
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引用次数: 0
The Effect of Auction Fee, Administration Fees of State Receivables Management and Management of State-Owned Assets Against Actualization of State Non-Tax Revenue on Kantor Pelayanan Kekayaan Negara dan Lelang Medan Period 2019-2021 拍卖费、国家应收账款管理费和国有资产管理费对 2019-2021 年棉兰国家非税收入的影响
Pub Date : 2023-10-31 DOI: 10.55927/fintech.v1i4.6581
Arthur Simanjuntak, Septony B. Siahaan, Duma Megaria Elisabeth, Yerisma Welly, Dewi Delima Hutagalung
This study examined the effects of auction fees, state receivables management costs, and state property management costs on the realization of non-tax state revenue at the State Asset Service Office and Medan Auction from 2019 to 2021. The Medan KPKNL Performance Achievement Report, which contains the Budget Report and Realization of PNBP for the 2019–2021 year and has a total population of 36, is the population in this research. Due to the large population in this study being relatively small (limited), the sample was chosen using the saturation or census sampling approach. To characterize each variable in this study, this form of research employs a descriptive quantitative technique utilizing secondary data. The Statistical Product and Service Solution (SPSS) Version 25 will process the data. The data analysis method used in this study employs multiple linear regression analysis tests, a coefficient of determination test, a partial hypothesis test (t-test), and a simultaneous test (F test) with a significance level of 0.05. Each variable is stated to have a positive and significant effect on Non-Tax State Revenue based on the results of data analysis tests that have partially been conducted on Auction Fees, Administrative costs for managing state receivables, and Management of state property, and the consequences of research simultaneously stated that all independent variables have an effect positive and significant to PNBP simultaneously with the test results of the coefficient of determination showing in 72.1%.
本研究考察了2019年至2021年拍卖费用、国有应收账款管理费用和国有财产管理费用对国有资产服务局和棉兰拍卖行实现国家非税收入的影响。棉兰 KPKNL 业绩实现报告》包含 2019-2021 年的预算报告和 PNBP 的实现情况,总人数为 36 人,是本研究的研究对象。由于本研究的人口数量较大,相对较小(有限),因此采用饱和抽样或普查抽样的方法选择样本。为了描述本研究中每个变量的特征,本研究采用了描述性定量技术,利用了二手数据。统计产品和服务解决方案(SPSS)第 25 版将对数据进行处理。本研究采用的数据分析方法包括多重线性回归分析测试、判定系数测试、局部假设检验(t 检验)和同时检验(F 检验),显著性水平为 0.05。根据对拍卖费、管理国家应收账款的行政成本和国有财产管理进行的部分数据分析检验结果,每个变量都被认为对国家非税收入有积极和显著的影响,研究结果同时表明,所有自变量都同时对 PNBP 有积极和显著的影响,决定系数的检验结果显示为 72.1%。
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引用次数: 0
The Influence of Profitability, Composition of the Independent Board of Commissioners and Managerial Ownership on Profit Management in Food and Beverage Companies on the Indonesian Stock Exchange Period 2017-2021 2017-2021 年期间印尼证券交易所食品饮料公司盈利能力、独立专员委员会的构成以及经理人所有权对利润管理的影响
Pub Date : 2023-10-31 DOI: 10.55927/fintech.v1i4.6586
Farida Sagala, Lamria Sagala, Kristanty MN Nadapdap, Bryan Carlos, Gianri Siagian, Fakultas Ekonomi, Universitas Methodist
The purpose of this study is to identify and analyze the effect of profitability, independent board of commissioners composition and managerial ownership on earnings management. This study uses data analysis method using multiple linear regression analysis. Partial research results show that profitability has no effect and is not significant on earnings management. The composition of the independent board of commissioners also has no influence and is not significant on earnings management. Managerial ownership has no effect and is not significant on profitability.
本研究的目的是识别和分析盈利能力、独立董事组成和经理所有权对收益管理的影响。本研究采用多元线性回归分析的数据分析方法。部分研究结果表明,盈利能力对收益管理没有影响且不显著。独立委员会的组成对收益管理也没有影响,且不显著。管理者所有权对盈利能力没有影响,也不显著。
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引用次数: 0
The Effect of Number of Tourist Visits and Tourism Object Retribution on Local Revenue (Case Study: Tourism, Youth and Sports Office of Tasikmalaya Regency) 游客访问量和旅游客体报酬对地方财政收入的影响(以Tasikmalaya摄政旅游、青年和体育办公室为例)
Pub Date : 2023-04-30 DOI: 10.55927/fintech.v1i2.3838
Heidi Siddiqa, Kata Kunci, Jumlah, Kunjungan Wisatawan, Retribusi Obyek Wisata Pendapatan, Asli Daerah
This research aims to determine the influence of the number of tourist visits and tourist object retribution on Local Revenue (PAD) in the Department of Tourism, Youth, and Sports of Tasikmalaya Regency. This research is conducted because the development of the tourism sector is one way to increase PAD and encourage regional economic development. The research method that can be used to test the influence of the number of tourist visits and torusit object retribution on PAD in Tasikmalaya Regency is quantitative method. The population in this research was 15 data on tourist objects consisting of 3 managers, namely those managed by the Department of Tourism, Youth, and Sports, those in cooperation with the Department of Tourism, Youth, and Sports, and those managed by other parties. The sampling method used is purposive sampling, only those who meet the criteria are used as samples. The results showed that the number of tourist visits and tourist object retribution had a positive and significant effect on Local Revenue (PAD). This shows that tourist visits and tourist object retribution are important factors that can increase PAD in tourist destinations.
本研究旨在探讨旅游观光人数与观光对象报酬对地方收入(PAD)之影响。因为旅游业的发展是增加PAD和鼓励区域经济发展的一种方式,所以进行了这项研究。可以用来检验旅游人数和旅游对象报复对Tasikmalaya摄政区PAD的影响的研究方法是定量方法。本研究人口为15个旅游对象数据,由3个管理者组成,即旅游青体部管理的管理者、与旅游青体部合作的管理者和其他方管理的管理者。采用的抽样方法是有目的抽样,只有符合标准的才作为样本。结果表明,旅游人次和旅游客体补偿对地方财政收入有显著的正向影响。这表明游客访问量和游客客体报酬是旅游地PAD增加的重要因素。
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引用次数: 0
Dynamic Revealed Comparative Advantage: Export Potential Crude Palm Oil (CPO) Indonesia Database 2018 动态显示比较优势:出口潜力粗棕榈油(CPO)印度尼西亚数据库2018
Pub Date : 2023-04-30 DOI: 10.55927/fintech.v1i2.4386
Betrix Silitonga, N. A. Malau, Garan Paruta, Ivan Hannoeriadi Ardiansyah
As the largest CPO exporter country in the world, Indonesia's CPO production is increasing every year. Even though Indonesia's CPO production has increased, Indonesia's CPO has a slow growth rate, low productivity and the competitiveness of Indonesian CPO to destination countries has not increased. The purpose of this research is to analyze the factors that influence the competitiveness of Indonesian CPO and formulate policies that can increase the competitiveness of Indonesian CPO. Quantitative analysis uses Stata 14 along with panel data with the 2018 database. Export volume growth, selling prices, inflation and population growth in importing countries have a negative effect on the competitiveness of CPO export commodities while GDP growth in importing countries and exchange rates have a positive relationship to competitiveness CPO export commodity.
作为世界上最大的CPO出口国,印尼的CPO产量每年都在增加。尽管印尼的CPO产量有所增加,但印尼的CPO增长速度慢,生产率低,印尼CPO对目的国的竞争力没有提高。本研究的目的是分析影响印尼民营企业竞争力的因素,并制定提高印尼民营企业竞争力的政策。定量分析使用Stata 14以及2018年数据库的面板数据。进口国的出口量增长、销售价格、通货膨胀和人口增长对CPO出口商品的竞争力有负向影响,而进口国的GDP增长和汇率对CPO出口商品的竞争力有正向影响。
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引用次数: 0
Analysis of Banking Performance and Risk in Indonesia during the Covid-19 Pandemic 2019冠状病毒病大流行期间印度尼西亚银行业绩效和风险分析
Pub Date : 2023-04-30 DOI: 10.55927/fintech.v1i2.4787
Nurseto Adhi, Sri Widiyati, Winarni, Embun Duriany Soemarso, R., Gunawan Setianegara
The banking sector has experienced a decline in demand for credit and a lack of disbursement, which has had an impact on the income of bank credit borrowers. Knowing the financial performance of banks during the Covid-19 pandemic can provide a good explanation of the problems faced by the banking sector. The analysis used in this study was a comparative comparison of two observations using a paired sample T-test. The variables used in this study are ROA, ROE, BOPO, LDR, CAR and NPL. This research found that the Covid-19 pandemic affected the decline in bank performance in general. This can be seen in the values of ROA, ROE, RORA, NPM, LDR, and NIM which have decreased in value before and after the pandemic. This research also found that the COVID-19 pandemic increased bank risk during the pandemic. This can be seen in the BOPO and KPMM variables which have increased from before and after the pandemic.
银行部门经历了信贷需求下降和支付不足的情况,这对银行信贷借款人的收入产生了影响。了解银行在2019冠状病毒病大流行期间的财务表现,可以很好地解释银行业面临的问题。本研究中使用的分析是使用配对样本t检验对两个观察结果进行比较比较。本研究使用的变量为ROA、ROE、BOPO、LDR、CAR和NPL。该研究发现,Covid-19大流行总体上影响了银行业绩的下降。这可以从ROA、ROE、RORA、NPM、LDR和NIM的值中看出,这些值在大流行前后都有所下降。这项研究还发现,COVID-19大流行增加了银行在大流行期间的风险。这可以从BOPO和KPMM变量中看出,它们在大流行之前和之后都有所增加。
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引用次数: 0
China in Terms of Exchange Rate, Inflation and Interest Rate (Based on Database 2018) 2 - 5按汇率、通货膨胀和利率计算的中国(基于数据库2018)
Pub Date : 2023-04-30 DOI: 10.55927/fintech.v1i2.4365
Betrix Silitonga, Halimah Cahyaning, Fajri, Trian Hutaria
This research model looks at the long-term relationship between exchange rates, interest rates, and inflation using Autoregressive Distributed Lag (ARDL) co-integration analysis based on database 2018. This study aims to ensure stability in the exchange regime through the structurally nexus of interest rates and inflation volatility and its targets. The data used is historical data on the country of China from 1987-2017. The results of the estimates show that inflation and interest rates in the previous period had a significant effect on the movement of the Chinese exchange rate, while the movement of the exchange rate of the previous period did not affect the movement of the exchange rate of the next period. Although there is a long-term cointegration between the independent variables, namely interest rates and inflation (CPI) against the dependent variables i.e. exchange rates, the long-term relationship between independent variables does not significantly affect the dependent variables.
本研究模型使用基于数据库2018的自回归分布滞后(ARDL)协整分析来研究汇率、利率和通货膨胀之间的长期关系。本研究旨在通过利率和通货膨胀波动及其目标的结构性联系来确保汇率制度的稳定性。使用的数据是1987-2017年中国的历史数据。估算结果表明,前一时期的通货膨胀和利率对中国汇率的变动有显著影响,而前一时期的汇率变动对下一时期的汇率变动没有影响。虽然自变量(即利率和通货膨胀(CPI))与因变量(即汇率)之间存在长期协整关系,但自变量之间的长期关系并不显著影响因变量。
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引用次数: 0
Copyright/Patent of Sihobuk Peanut Products Research Object One of the Sihobuk Peanut Businesses, Tarutung 西霍布克花生产品研究对象西霍布克花生企业之一塔鲁东
Pub Date : 2023-04-30 DOI: 10.55927/fintech.v1i2.4385
Aldi Oktavianus Barus, Antonio Mario Clarentiano Nababan, Jeremy Deo Girsang, Zakharia Sembiring, Fakultas Kewirausahaan, Universitas Ekonomi, Medan, Kata Kunci, Hak Cipta, Paten, Kacang Sihobuk, Merek Dagang
Sihobuk peanuts are processed products from selected peanuts which are the best agricultural commodity from North Tapanuli district because they are influenced by fertile soil and good rainfall and are processed in the traditional way by the people of Sihobuk village so as to produce quality with a distinctive aroma that is different from other products. other similar types. This type of research is empirical juridical where the data source is obtained from primary legal materials, secondary legal materials and tertiary legal materials. Data collection was carried out through library research and field studies by conducting interviews. The data analysis used is qualitative data analysis. The results of this study indicate that sihobuk beans meet the requirements as a geographical indication product according to the Trademark and Geographical Indication Law. Sihobuk nuts will receive legal protection from geographical indications if they have been registered with the Directorate General of Intellectual Property Rights. The role of the local government in the registration of sihobuk beans is to provide assistance in facilitating the licensing process, to socialize Geographical Indications to business actors and to campaign for the need for registration of Geographical Indications. human resources who are experts in identifying products that have the potential to be used as geographic indications.
Sihobuk花生是精选花生加工而成的产品,这些花生是北Tapanuli地区最好的农产品,因为它们受到肥沃土壤和良好降雨的影响,并由Sihobuk村人民以传统方式加工,从而生产出具有独特香气的优质产品,与其他产品不同。其他类似类型。这种类型的研究是实证法学,其数据来源是从一级法律材料、二级法律材料和三级法律材料中获得的。数据收集是通过图书馆调查和实地调查进行的。使用的数据分析是定性数据分析。本研究结果表明,鹿茸豆符合《商标与地理标志法》对地理标志产品的要求。Sihobuk坚果如果在知识产权总局注册,将受到地理标志的法律保护。地方政府在锡和布豆注册方面的作用是提供协助,促进许可程序,将地理标志社会化,并宣传地理标志注册的必要性。人力资源专家,他们是识别有可能用作地理标志的产品的专家。
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引用次数: 0
期刊
Indonesian Journal of Banking and Financial Technology
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