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Analysis of Collaboration Between Rural Banks and Fintech Lending 农村银行与金融科技贷款合作分析
Pub Date : 2023-12-20 DOI: 10.59141/jiss.v4i12.950
Hot Asi, Kurnadi Gularso
Fintech Lending or Information Technology-Based Joint Funding Services (LPBBTI) is a form of technological innovation in financial services that provides new alternatives for people to get access to loans in an easy and fast way. Fintech lending provides loans to individuals and businessmen who previously had difficulty obtaining loans from traditional financial institutions. The fintech lending industry enters the same market as banking to serve the community so that they can compete or collaborate with each other. Fintech lending and banks have their own characteristics and advantages so they have the potential to provide added value and reduce risk. The aim of this research is to analyze whether collaboration between Rural Banks (BPR) and fintech lending can be mutually beneficial and an optimal form of collaboration. This research was conducted from a case study of PT Duha Madani Syariah as a fintech lending provider in collaboration with 4 (four) BPRs. The research method used a qualitative approach. Data collected through observation, interviews, documentation, and triangulation techniques. The research results show that the collaboration between BPR and fintech lending is mutually beneficial for the parties because it increases loan disbursement, creates company operational efficiency, and increases company profits. This collaboration is outlined in a cooperation agreement which regulates the scope of mutually beneficial cooperation, and requires support from regulators through policies or implementing instructions to accelerate and improve collaboration between BPR and fintech lending
金融科技贷款或基于信息技术的联合融资服务(LPBBTI)是金融服务领域的一种技术创新形式,它为人们以方便快捷的方式获得贷款提供了新的选择。金融科技贷款为以前难以从传统金融机构获得贷款的个人和商人提供贷款。金融科技贷款业与银行业进入同一市场,为社区服务,从而可以相互竞争或合作。金融科技贷款和银行各有特点和优势,因此它们有可能提供附加值并降低风险。本研究旨在分析农村银行(BPR)与金融科技借贷之间的合作能否互惠互利,以及合作的最佳形式。本研究从 PT Duha Madani Syariah 作为金融科技贷款提供商与 4 家 BPR 合作的案例研究中展开。研究方法采用定性方法。通过观察、访谈、文献和三角测量技术收集数据。研究结果表明,BPR 与金融科技贷款之间的合作对双方都有利,因为这种合作可以增加贷款发放、提高公司运营效率并增加公司利润。这种合作在合作协议中有所概述,该协议规范了互利合作的范围,并要求监管机构通过政策或实施指示提供支持,以加快和改善商业流程再造与金融科技借贷之间的合作。
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引用次数: 0
Increasing the Existence of Urban Tourism Through the Development Strategy of Marine Tourism Destinations in Kendari City 从垦达里市海洋旅游地发展战略看城市旅游的存在性
Pub Date : 2023-10-28 DOI: 10.59141/jiss.v4i10.915
Farid Said, Agus Agus, Jujuk Ferdianto
The purpose of this study is to determine the Increasing the Existence of Urban Tourism. The research method used is a qualitative method with a descriptive approach. Qualitative research is a method based on the philosophy of postpositivism used to examine the natural condition of objects where researchers are key instruments in data collection techniques. The result obtained is the geographical characteristics of the city of Kendari with the urban area surrounding the bay illustrates the uniqueness of the urban area owned, therefore the Kendari City Government should make this bay as a branding in introducing itself to attract the attention and interest of tourists to visit Kendari City. The conclusion that can be is that the development of tourism facilities and infrastructure has not been optimal, especially the arrangement of the Kendari Bay area as marine tourism that is not in accordance with the tourism architecture because it does not have good management management, so that it can have an impact on damage to natural ecosystems and socio-cultural gaps in the community.
本研究的目的是确定城市旅游的增加存在。使用的研究方法是定性方法与描述性方法。定性研究是一种基于后实证主义哲学的方法,用于研究对象的自然状态,研究人员是数据收集技术的关键工具。得到的结果是肯达里城市的地理特征,海湾周围的城市区域说明了所拥有的城市区域的独特性,因此肯达里市政府应该把这个海湾作为一个品牌来介绍自己,吸引游客的注意和兴趣来参观肯达里城市。可以得出的结论是,旅游设施和基础设施的发展并不是最理想的,特别是Kendari Bay地区作为海洋旅游的安排不符合旅游架构,因为它没有很好的管理管理,所以它可以对自然生态系统的破坏和社区的社会文化差距产生影响。
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引用次数: 0
Profit Management, Capital Intensity, Gender Diversity, On Tax Avoidance with Corporate Sustainability as An Intervening Variable 利润管理、资本密集度、性别多样性对企业可持续性的影响
Pub Date : 2023-10-25 DOI: 10.59141/jiss.v4i10.903
Reskino Reskino, Prankyanto Tambunan
The highest income in Indonesia comes from tax revenue. High and low tax revenues will determine the state budget in financing public expenditures. So awareness is needed for taxpayers or entities to pay their tax obligations. The purpose of the study is to empirically prove or analyze the effect of profit management on tax avoidance. This research uses quantitative methods, namely research procedures that produce data in the form of numbers and are generally analyzed using descriptive statistics with the source of data taken in this study is secondary data. The results of hypothesis testing in table 4 show that the t-Statistic value is 4.393073, while the prob. From profit management is 0.0000 which means 0.0000 < 0.05 indicates that profit management variables affect tax avoidance. The conclusions obtained are based on phenomena, problem formulations, hypotheses and research results conducted on manufacturing companies listed on the Indonesia Stock Exchange for the 2019-2021 period, it can be concluded that simultaneously the variable of profit management has a positive effect on tax avoidance.
印尼的最高收入来自税收。税收收入的高低将决定国家在公共支出融资方面的预算。因此,纳税人或实体需要意识到他们的纳税义务。本研究的目的是实证证明或分析利润管理对避税的影响。本研究采用定量方法,即以数字形式产生数据的研究程序,通常使用描述性统计进行分析,本研究中所采用的数据来源为二手数据。表4的假设检验结果显示,t-Statistic值为4.393073,而probb。从利润管理是0.0000,这意味着0.0000 <0.05表示利润管理变量影响避税。本文的结论是基于对2019-2021年期间在印尼证券交易所上市的制造业公司的现象、问题表述、假设和研究结果得出的,可以得出利润管理变量同时对避税有积极影响的结论。
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引用次数: 0
Quality Of Elderly Life With Chronic Diseases In The Working Area of Kembangan District Hospital 建邦安区医院工作区域老年慢性病患者生活质量调查
Pub Date : 2023-10-25 DOI: 10.59141/jiss.v4i10.886
M C Gina Maringka, Tri Budi W.Rahardjo, Tri Suratmi
The success of health development in Indonesia has increased the life expectancy of the Indonesian people. West Jakarta Kembangan Hospital has responsibility for improving the quality of life of the elderly in their working area, in line with Government Policy Number 17 of 2014 concerning Geriatric Service Standards in Hospitals. The aim of the study was to analyze the quality of life of elderly people with chronic diseases in the working area of Kembangan Hospital, West Jakarta in 2023. This study used a quantitative approach with a cross-sectional design, with an elderly population in the working area of Kembangan Hospital and a sample size of 60 elderly people by Simple Random Sampling. The research instrument used the WHOQOL-Bref questionnaire, while the questionnaire was used to measure the variable characteristics of the elderly. Research time: Juni 2023. Data analysis techniques using univariate, bivariate and multivariate analysis. The results showed that the most chronic diseases were hypertension (50%), diabetes mellitus (23.7%), hypertension and diabetes mellitus (6.7%), hypertension and heart (6.7%), arthritis (3.3%), the rest is a combination of existing chronic diseases. The proportion of high quality of life for the elderly (63.3%) and low quality of life for the elderly (36.7%), marital status, education, employment, income and status of residence as well as the length of chronic disease in the elderly are related to the quality of life for the elderly, while age, gender, name of chronic disease and the number of chronic diseases are not related to the quality of life of the elderly. The dominant variable related to the quality of life of the elderly is income with OR = 0.269. Suggestions that can be recommended to the Kembangan Hospital are reactivating geriatric services through promotive efforts for elderly health so that chronic diseases in the elderly can be detected early and receive optimal treatment so as to improve the quality of life of the elderly, can open geriatric innovation services that are "One Stop Service for the Elderly"
印度尼西亚卫生发展的成功提高了印度尼西亚人民的预期寿命。根据2014年关于医院老年服务标准的第17号政府政策,西雅加达Kembangan医院有责任改善其工作区域内老年人的生活质量。本研究的目的是分析2023年西雅加达Kembangan医院工作区域慢性疾病老年人的生活质量。本研究采用横断面设计的定量方法,以建邦安医院工作区域的老年人群为研究对象,采用简单随机抽样法,样本量为60名老年人。研究工具采用WHOQOL-Bref问卷,采用问卷测量老年人的变量特征。研究时间:2023年6月。使用单变量、双变量和多变量分析的数据分析技术。结果显示,慢性病以高血压(50%)、糖尿病(23.7%)、高血压合并糖尿病(6.7%)、高血压合并心脏病(6.7%)、关节炎(3.3%)居多,其余为既有慢性病的合并。老年人高生活质量比例(63.3%)和低生活质量比例(36.7%)、婚姻状况、受教育程度、就业、收入、居住状况、老年人慢性病病程长短与老年人生活质量相关,而年龄、性别、慢性病名称、慢性病数量与老年人生活质量无关。与老年人生活质量相关的主导变量是收入,OR = 0.269。向肯邦安医院推荐的建议是,通过促进老年人健康的努力,重新激活老年服务,使老年人的慢性病能够及早发现并得到最佳治疗,从而提高老年人的生活质量,可以开设“老年人一站式服务”的老年创新服务。
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引用次数: 0
Framing Analysis of Reporting on Electric Transportation Subsidies in Indonesia during 2023 by Tirto ID Tirto ID对2023年印尼电动交通补贴报告框架分析
Pub Date : 2023-10-25 DOI: 10.59141/jiss.v4i10.891
Harliantara Harliantara, Daniel Susilo
The purpose of this study is to determine the Framing Analysis of Reporting on Electric Transportation Subsidies in Indonesia during 2023 by Tirto ID. EV becoming more discussed in today’s digital age, and some online in-depth news outlet is picking this discourse as part of participating in voicing the accurate news, which includes Tirto ID. With framing analysis, we can see how good, phrased news is still lacking in geographic source value despite the good narration in contributing to their media opinion. The topic itself is still warm material to be discussed for their upcoming policy. Electric transportation policies vary significantly between different countries as governments strive to reduce carbon emissions, promote energy efficiency, and transition to more sustainable modes of transportation. These policies encompass a range of measures, including incentives for electric vehicle (EV) adoption, infrastructure development, emissions regulations, and research funding.
本研究的目的是确定Tirto ID在2023年期间对印度尼西亚电动交通补贴报告的框架分析。在当今的数字时代,电动汽车的讨论越来越多,一些在线深度新闻媒体正在挑选这一话语作为参与准确新闻发声的一部分,其中包括Tirto ID。通过框架分析,我们可以看到,尽管良好的叙事有助于媒体舆论,但好的措辞新闻仍然缺乏地理来源价值。这个话题本身仍然是他们即将出台的政策讨论的热门话题。随着各国政府努力减少碳排放,提高能源效率,并向更可持续的交通方式过渡,不同国家的电动交通政策差异很大。这些政策包括一系列措施,包括对电动汽车(EV)采用的激励、基础设施发展、排放法规和研究资金。
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引用次数: 0
The Influence of Social Media Marketing and Perceived Quality on Brand Loyalty Mediated by Trust (An Empirical Study on Chatime Customers in Jabodetabek) 社交媒体营销和感知质量对信任介导的品牌忠诚的影响(基于Jabodetabek Chatime顾客的实证研究)
Pub Date : 2023-10-25 DOI: 10.59141/jiss.v4i10.912
Felicia Madelline
The purpose of this research is to analyze the influence of social media marketing and quality perception on brand loyalty mediated by trust (empirical study on Chatime brand consumers in Jabodetabek). This research uses a quantitative approach and uses a structural equation model. The survey was conducted to respondents with the criteria of respondents being customers of Chatime. In this study, it was analyzed with Structural Equation Model (SEM) using AMOS program. The research results prove that social media marketing has a positive and significant effect on trust. Other results prove that quality perception has a positive and significant effect on trust, trust has a significant effect on brand loyalty, social media marketing has a positive and significant effect on brand loyalty and quality perception has a positive and significant effect on brand loyalty, social media marketing does not have a positive and significant effect on brand loyalty mediated by trust, and quality perception does not have a positive and significant effect on brand loyalty mediated by trust.
本研究的目的是分析社交媒体营销和质量感知对以信任为中介的品牌忠诚的影响(对Jabodetabek Chatime品牌消费者的实证研究)。本研究采用定量方法,采用结构方程模型。本次调查以Chatime的顾客为对象进行。本研究采用AMOS程序对其进行结构方程模型(SEM)分析。研究结果证明,社会化媒体营销对信任有显著的正向影响。其他结果证明质量感知对信任有正向显著影响,信任对品牌忠诚有显著影响,社会化媒体营销对品牌忠诚有正向显著影响,质量感知对品牌忠诚有正向显著影响,社会化媒体营销对以信任为中介的品牌忠诚没有正向显著影响。质量感知对信任介导的品牌忠诚没有显著的正向影响。
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引用次数: 0
The contextuality of the Qur'an in detecting diseases (Study of the interpretation of eye diseases of Prophet Ya'qub in Surah Yusuf verse 84 perspective of eye health) 《古兰经》在检测疾病方面的背景(研究先知雅库布在《优素福章》第84节中对眼睛疾病的解释)
Pub Date : 2023-10-25 DOI: 10.59141/jiss.v4i10.911
Mukamat Khoirul Amirudin, Lukmanul Hakim, Windy Aisty Koma, Luthfiana Devi Erica Rahmasari, Husnul Khotimah
Qur'an Chapter Yusuf verse 84 tells about the sore eye of Prophet Ya'qub. It is told that he had sore eye with an indication of white discoloration of his eyes due to deep sadness. In this verse, the Qur'an only speaks of the nature and cause of the illness, without mentioning the type of illness yet. Based on this background, this thesis presents research on the eye disease of Prophet Ya'qub in the perspective of eye health study. The research method applied in the study is qualitative method. Whereas, The documentation techniques from library sources in the form of 12 books of tafsir muktabar along with other supporting books for data collection techniques. Then the interpretation analysis theory that is applied is tahli>li> interpretation. The results of the study found that there are six opinions of tafsir scholars in interpreting the type of eye disease of Prophet Ya'qub. The six are: blindness, low vision, flooding of tears (Nasolacrimal duct obstruction), thin white membrane (cataract), dry eye, and glaucoma. There are two principles which become the standard in the object of this research, namely the indication of the white color in the eyes of Prophet Ya'qub and sadness as a causative factor. According to the study of eye health, by paying attention to these two indications, the author further strengthens the opinion that the eye disease which plagued the Prophet Ya'qub leads to cataract eye disease. Because cataracts are a disease which clearly gives a white effect on the eye. As for the other diseases, there is less visible characteristic of the white effect on the eye. Furthermore, the main cause of cataracts is excess sugar in the body (Diabetes Mellitus). Diabetes mellitus often occurs due to stress or protracted sadness. Thus, the author's strong assumption in giving the conclusion that the eye disease experienced by the Prophet Ya'qub is leading to cataract eye disease
古兰经优素福章第84节讲述了先知雅库布的眼睛疼痛。据说,由于极度悲伤,他的眼睛疼痛,并有眼睛变白的迹象。在这节经文中,《古兰经》只谈到了疾病的性质和原因,没有提到疾病的类型。基于此背景,本文从眼健康研究的角度对先知雅库卜的眼病进行研究。本研究采用的研究方法是定性方法。然而,文档技术从图书馆来源的12本书的形式的tafsir muktabar和其他支持书籍的数据收集技术。那么所运用的解释分析理论就是:解释分析理论。解释。研究结果发现,学者对先知雅库卜眼病类型的解读有六种观点。这六种是:失明、视力低下、泪液泛滥(鼻泪管阻塞)、白色薄膜(白内障)、干眼症和青光眼。在本研究的对象中,有两个原则成为了标准,即先知雅库布眼中的白色和悲伤作为致病因素的指示。根据对眼睛健康的研究,通过注意这两个指征,作者进一步加强了先知雅库布的眼病导致白内障眼病的观点。因为白内障是一种明显会使眼睛变白的疾病。至于其他疾病,白眼对眼睛的影响不太明显。此外,白内障的主要原因是体内糖分过多(糖尿病)。糖尿病常因压力或长期悲伤而发生。因此,撰文人在得出先知Ya'qub所经历的眼病导致白内障眼病的结论时,有强烈的假设
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引用次数: 0
Audit Fee on Audit Quality in Indonesia: A Meta-Analysis Study 印尼审计费用对审计质量的影响:一项元分析研究
Pub Date : 2023-10-25 DOI: 10.59141/jiss.v4i10.899
Putri Dinda Rezky Alyani
Various kinds of research on audit quality have been conducted and audit fees are one of the factors that affect the high and low quality of audits. In this correlation method meta-analysis study research aims to examine the relationship between audit fees and audit quality. In this study, the author conducted a review involving 37 study journals related to audit fees and audit quality in the last 5 years that have been filtered with certain eligibility criteria. The results of this study showed a correlation of 0.259 which was included in the low category and z value = 5.581; p < .001 ; 95% CI [0.168; 0.350] which means that there is a significant positive correlation between audit fees and overall audit quality from the 37 studies in the meta-analysis. So that the relationship between audit fees and audit quality is significant positive but is in the low category. These results indicate that audit fees are less directly correlated with audit quality because they have a small effect size. This indicates that there are other variables that have a greater correlation value than the audit fee. And the results of the publication bias test stated that there was no publication bias problem in the meta-analysis study.
& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;人们对审计质量进行了各种各样的研究,审计费用是影响审计质量高低的因素之一。本文采用相关分析方法,对审计收费与审计质量之间的关系进行研究。在本研究中,作者对近5年来37篇与审计费用和审计质量相关的研究期刊进行了综述,并对这些期刊进行了筛选。本研究结果显示相关性为0.259,属于低类,z值= 5.581;p & lt;措施;95% ci [0.168;0.350]这意味着在meta分析中的37项研究中,审计费用与整体审计质量之间存在显著的正相关关系。因此,审计费用与审计质量之间存在显著的正相关关系,但处于低范畴。这些结果表明,审计费用与审计质量的直接相关程度较低,因为它们的效应量较小。这表明还有其他变量比审计费用具有更大的相关性值。发表偏倚检验结果表明,meta分析研究不存在发表偏倚问题。 & # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;& # x0D;
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引用次数: 0
The Influence of Dividend Policy, Company Size, and Managerial Ownership on Company Value Mediated by Profitability in Non-Cyclical Consumer Companies Listed on the Indonesia Stock Exchange (BEI) 股利政策、公司规模和管理层持股对盈利能力介导的印尼非周期消费品公司价值的影响
Pub Date : 2023-10-25 DOI: 10.59141/jiss.v4i10.913
Imery Wata, Kurnadi Gularso
The research aims to analyze the effect of dividend policy, company size, and managerial ownership on firm value, as well as analyze the effect of dividend policy, company size, and managerial ownership on profitability in consumer non-cyclicals companies listed on the Indonesia Stock Exchange for the 2018-2022 period. This study also aims to analyze the effect of dividend policy, company size, and managerial ownership on company value which is mediated by profitability in consumer non-cyclicals companies listed on the Indonesia Stock Exchange for the 2018-2022 period. This study used a purposive sampling method. The data used is secondary data obtained from the Indonesia Stock Exchange for consumer non-cyclicals companies for the 2018-2022 period. This study uses dividend policy, firm size, and managerial ownership as independent variables, firm value as the dependent variable, and profitability as a mediating variable. The analysis was carried out using the panel data regression analysis method using panel data processed with Econometric Views (EViews) Ver 10. The results of this study prove that company size and profitability have a positive effect on firm value. Dividend policy and managerial ownership have no effect on firm value. Dividend policy, firm size, and managerial ownership have no effect on profitability, and profitability is unable to mediate the relationship between dividend policy, firm size, and managerial ownership on firm value.
本研究旨在分析股息政策、公司规模和管理层所有权对公司价值的影响,并分析2018-2022年期间在印度尼西亚证券交易所上市的消费非周期性公司的股息政策、公司规模和管理层所有权对盈利能力的影响。本研究还旨在分析2018-2022年期间在印度尼西亚证券交易所上市的消费非周期性公司的股息政策、公司规模和管理层所有权对公司价值的影响,公司价值以盈利能力为中介。本研究采用目的性抽样方法。使用的数据是从印度尼西亚证券交易所获得的2018-2022年期间消费非周期性公司的二手数据。本研究以股利政策、企业规模、管理层持股为自变量,企业价值为因变量,盈利能力为中介变量。分析采用面板数据回归分析方法,使用econometrecviews (EViews) Ver 10处理的面板数据。本研究的结果证明,公司规模和盈利能力对公司价值有正向影响。股利政策和管理层持股对公司价值没有影响。股利政策、企业规模和管理层持股对盈利能力没有影响,盈利能力也不能中介股利政策、企业规模和管理层持股对企业价值的影响。
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引用次数: 0
Good Corporate Governance and Integrity of Financial Statement 良好的公司治理和财务报表的完整性
Pub Date : 2023-10-25 DOI: 10.59141/jiss.v4i10.902
Anggya Ramadhini Iskandar
This research aims to find out any influences of Audit Quality, Industry Specialized Auditors, and Audit Fee toward Financial Statement Integrity as well as Good Corporate Governance as an intervening variable. Populations used on this research are companies in mining sectors that have been listed in Bursa Efek Indonesia (BEI) from 2018-2021. This research has 36 companies with a total of 144 samples, all of them already eligible for purposive sampling. This research is analyzed using Structural Equation Model (SEM) powered by Analysis of Moment Structures (AMOS). This research’s hypothetical results suggest that audit qualities affect good corporate, audit fee, and good corporate governance. Hence, it also affects the financial statement integrity overall. This research also suggests audit quality and industry specialized auditor do not affect the financial statement integrity. Industry specialized auditor and audit fee also do not affect good corporate governance.
本研究旨在找出审计质量、行业专业审计师、审计费用对财务报表完整性的影响,以及良好的公司治理作为中介变量。本研究中使用的人群是2018-2021年在印尼证券交易所(BEI)上市的矿业公司。本研究共有36家公司,共144个样本,均已具备目的抽样资格。本研究采用基于矩结构分析(AMOS)的结构方程模型(SEM)进行分析。本研究的假设结果表明,审计质量影响良好的公司、审计费用和良好的公司治理。因此,它也影响了财务报表的整体完整性。本研究还表明,审计质量和行业专业审计师并不影响财务报表的完整性。行业专业审计师和审计费用也不影响良好的公司治理。
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引用次数: 0
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Jurnal Indonesia Sosial Sains
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