Financial Ratio Analysis Of State-Owned Enterprises (Soe) In The City Of Palembang

Siregar, Muhammad Ichsan; Cahyadi, Afriyadi; Igamo, Alghifari Mahdi; Saggaf, Abdullah; Sulbahri, Rifani Akbar

doi:10.32524/jkb.v20i1.336

Cited by 3 publications

(3 citation statements)

References 1 publication

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“…Financial technology (fintech) firms leverage technological developments to provide financial services in a bid to become more efficient. These include digital banking, peerto-peer (P2P) lending and crowdfunding (Siregar, 2016). Fintech is currently developing fairly rapidly, accounting for 0.6% of global transactions (Setyaningsih, 2018).…”

Section: Qardhul Hasan Managementmentioning

confidence: 99%

The optimisation of Qardhul Hasan management in Islamic banking: enhancing its role in empowering the community

Nugraheni

Muhammad

2023

JEC

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Purpose Qardhul Hasan (QH) is a type of Islamic contract that prioritises benevolent aspects between beneficiaries and the fund provider. The effective management and distribution of QH can contribute to overcoming economic problems in society. This study aims to explore the potential to enlarge the sources of QH funding and QH financing in Indonesian Islamic banks. The paper proposes a framework for QH management in Islamic banks by identifying the sources of QH funds as well as the management and potential allocations of QH funds. Design/methodology/approach This study uses a descriptive analysis method with a framework-based review to discuss the strategy of optimising the sources, financing and management of QH in Islamic banks. The implementation of QH in the Islamic banking industry is described based on the previous literature and current phenomena. Findings To positively impact economic development, Islamic banks can collaborate with parties that are more focused on charitable activities and have greater resources to channel and use QH funds. This study also formulates a framework of QH funds management that prioritises efforts to multiply benefits for both the fund provider and the beneficiaries. Research limitations/implications The descriptive method used in this paper comprises preliminary research to analyse the current phenomena and potential strategies that can be implemented. Future studies may use empirical data to strengthen the analysis. Practical implications The recommendations of this paper can be used by relevant social fund management institutions in collaboration with Islamic banking. Social implications QH reflects not only the social aspects of Islamic banks and extends beyond their corporate social responsibility activities, its effective management will make a greater contribution to reducing the level of unemployment, poverty alleviation and supporting the country’s economic development. Originality/value This paper provides a framework that integrates financial institutions in maximising QH fund management to encourage greater benefits for the community. Although previous studies have mentioned the important role of QH, relatively few have considered how Islamic banks maximise its management.

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Section: Qardhul Hasan Managementmentioning

confidence: 99%

The optimisation of Qardhul Hasan management in Islamic banking: enhancing its role in empowering the community

Nugraheni

Muhammad

2023

JEC

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“…FinTech encompasses digital financial services that provide payment system solutions, loans, banking, insurance, and educational resources to the public through digital platforms (Aaron et al 2017). Indonesia, for instance, is witnessing the development of various FinTech services, including payment channels or systems, digital banking, crowdfunding, online insurance, and peer-to-peer lending (Siregar 2016).…”

Section: Fintech and Business Performancementioning

confidence: 99%

The Effect of Financial Technology, Innovation, Business Strategy, and Market Orientation on Business Performance among Indonesian SMEs: A Study in Riau Province

2023

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The pandemic's negative impact on SMEs' performance have been particularly felt as a result of changes in consumer behavior. Therefore, strategic actions are required to accelerate the growth of SMEs in the postpandemic era. Based on the Dynamic Capabilities Theory, the aim of this study was to analyze the effect of financial technology, innovation, business strategy, and market orientation on the business performance of SMEs in Riau Province, Indonesia. Using purposive sampling, survey data was collected from a sample of 123 SME owner-managers. Data analysis using partial least squares structural equation modeling showed that financial technology, innovation, business strategy, and market orientation significantly affect the business performance of SMEs. SME owner-managers use financial technology to make new breakthroughs through innovation, implement more diverse business strategies, and improve market orientation. The findings suggest that long-term digital technology development strategies are required as a platform for SMEs to grow.

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“…The number of penetrations of digital technology utilization in Indonesia is very large, even exceeding the combined population of other countries in ASEAN and has changed people's behavior in almost all aspects of life (Siregar, 2016). The Indonesian Internet Service Providers Association (APJII) survey in 2016 stated that the number of internet users in Indonesia amounted to 132.7 million people or 51.8% of the total population of Indonesia.…”

Section: Introductionmentioning

confidence: 99%

The Effect of Financial Satisfaction to Financial Technology with Financial Planning as Mediation

Agustina,

Ardiana,

Pertiwi

et al. 2023

JER

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This study aims to analyze and obtain empirical evidence on the effect of financial satisfaction on financial technology and financial planning as mediation variables. The approach used is a quantitative approach with the help of the Smart PLS 4 tool. The data in this study used primary data with questionnaire techniques on PKK mothers in Talun Kidul Village, Sumobito District, Jombang Regency. The sample calculation uses a saturated sample of 40 respondents who were present at the time of sampling. This study uses outer model and inner model evaluation techniques with hypothesis testing using path analysis. The results showed that financial satisfaction affects financial technology; financial satisfaction affects financial planning; and financial planning affects financial technology. Financial planning variables as mediation show that financial planning variables can mediate financial satisfaction with financial technology.

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Financial Ratio Analysis Of State-Owned Enterprises (Soe) In The City Of Palembang

Cited by 3 publications

References 1 publication

The optimisation of Qardhul Hasan management in Islamic banking: enhancing its role in empowering the community

The optimisation of Qardhul Hasan management in Islamic banking: enhancing its role in empowering the community

The Effect of Financial Technology, Innovation, Business Strategy, and Market Orientation on Business Performance among Indonesian SMEs: A Study in Riau Province

The Effect of Financial Satisfaction to Financial Technology with Financial Planning as Mediation

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