Financial Technology: Pinjaman Online, Ya Atau Tidak

Sinaga, Hommy Dorthy Ellyany; Irawati, Novica; Kurniawan, Edi

doi:10.30645/jtunas.v1i1.6

Cited by 4 publications

(3 citation statements)

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“…Therefore, transactions which were previously made in person or face to face can now be done even remotely in a matter of seconds. In other words, fintech makes purchase and sale transactions and payment systems more efficient and economical but still effective (Sinaga, H. D. E., Irawati, N., & Kurniawan, E., 2019). Fintech actually uses technological sophistication for a preexisting financial transaction process, moving to the digital realm, so that the problem will certainly be more complex, because the form of security guarantees will be chiefly prioritized (Fachrurrazy, M., & Siliwadi, DN, 2020).…”

Section: Resultsmentioning

confidence: 99%

Debt Collection Violations in Financial Technology in a Cyber-ethic and Legal Perspective

Prastiyo

Suartha

2021

J. Komun. Ikat. Sarj. Komun. Indones.

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The presence of financial technology (Fintech) on the one hand makes it easy for people to obtain credit, while on the other hand, it creates various problems. In this study, two issues will be discussed, namely the application of cyber-ethic in protecting personal data and legal issues in collecting debt on Fintech. This research is a qualitative research. Data in the study were collected by means of literature study and presented descriptively and analytically. Cyber-ethic is implemented by protecting personal data. It is a transformation of traditional ethics in cyberspace. The cyber-ethic is very necessary in the business world. The application of cyber-ethic in the world of Fintech is carried out by protecting the personal data of both borrowers and third parties. Cyber-ethic violations have implications for breaking the law. Some of the billing violations on the Fintech business are sexual harassment, defamation, threats and stalking. Borrowing customers are powerless to face debt collectors’ behavior, because the debt collectors use the borrowers’ personal data to exert psychological pressure on the debtors to pay according to the bills determined unilaterally by Fintech. This condition usually occurs in illegal Fintechs that are not registered with the Financial Services Authority.

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Section: Resultsmentioning

confidence: 99%

Debt Collection Violations in Financial Technology in a Cyber-ethic and Legal Perspective

Prastiyo

Suartha

2021

J. Komun. Ikat. Sarj. Komun. Indones.

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“…Bank Indonesia menyarankan agar pinjaman tidak lebih dari 30% dari penghasilan rata-rata bulanan (Sinaga et al, 2019) . Selain nominal yang harus diperhatikan dalam meminjam dana, keterbukaan antar pasangan juga diperlukan untuk saling mengetahui kewajiaban keuangan rumah tangga.…”

Section: Kepemilikan Pinjaman Tersembunyiunclassified

Edukasi Kesehatan Keuangan Rumah Tangga Muslim Milenial

Nihayah,

Chamami,

Rifqi

2023

inej

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Rumah tangga muslim milenial memiliki berbagai persoalan rumah tangga diantaranya adalah masalah keuangan. Persoalan ini dikarenakan pemikiran pasangan rumah tangga muda belum pada tingkat yang matang. Pelaksanaan pengabdian kepada masayarakat menggunakan metode service learning. Kegitan dibagi dalam tiga tahapan yaitu persipan, layanan dan refleksi. Tahapan persiapan diurai dalam empat aktivitas yaitu penetapan jadwal, pembuatan materi, publikasi peserta, dan pembuatan rundown penyuluhan. Tahapan layanan memaparkan dua materi besar yaitu penyebab kesehatan fakror-faktor yang mengganggu persoaalan kesehatan keuangan rumah tangga serta indikator kesehatan keuangan rumah tangga. Ada lima hal yang menyebabkan kesehatan keuangan rumah tangga bermasalah yaitu 1) perbedaan gaya hidup (perilaku konsumsi); 2) ketimpangan penghasilan; 3) kepemilikan pinjaman tersembunyi, 4) tidak memiliki perencanaan keuangan, 5) kepemilikan tabungan rahasia. Sementara, terdapat lima indikator kesehatan keuangan rumah tangga yaitu a) kelancaran arus kas periode tertentu, b) besaran kepamilikan tabungan rumah tangga, c) batasan angsuran pinjaman yang diperbolehkan, d) kepemilikan asuransi kesehatan, serta e) kepemilikan investasi. Tahapan refleksi menyampaikan tingkat pemahan peserta atas materi yang sudah disampaikan, 70% peserta merasa sangat paham, 23% peserta merasa paham sedangkan 7% peserta merasa kurang paham.

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“…Semakin kecil nilai MAPE maka semakin akurat hasil ramalannya dan begitu pula sebaliknya. Peramalan dikatakan sangat baik jika memiliki nilai MAPE kurang dari 10% dan dikatakan baik jika memiliki nilai MAPE kurang dari 20% (Sinaga & Irawati, 2018).…”

Section: Ukuran Kesalahan Peramalanunclassified

Peramalan Kredit Modal Kerja di Indonesia Menggunakan Brown's Double Exponential Smoothing dengan Optimasi Pencarian Dikotomis

Yustiani,

Wahyuningsih,

Siringoringo

2023

J. Eksponensial

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Brown's Double Exponential Smoothing (DES) method is a forecasting method with the smoothing process carried out twice. DES Brown has one parameter to define, and it is usually done in a trial and error manner. Another way to determine value parameters more quickly and precisely is to use optimization methods. In this study, forecasting of working capital credit in Indonesia using DES Brown for the period May to July 2022 was carried out with dichotomous search optimization. The results showed that the results of forecasting for working capital loans showed a decrease in May then increased in June and July with a very good forecasting accuracy, namely the MAPE value of 1.480768%.

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Financial Technology: Pinjaman Online, Ya Atau Tidak

Cited by 4 publications

References 0 publications

Debt Collection Violations in Financial Technology in a Cyber-ethic and Legal Perspective

Debt Collection Violations in Financial Technology in a Cyber-ethic and Legal Perspective

Edukasi Kesehatan Keuangan Rumah Tangga Muslim Milenial

Peramalan Kredit Modal Kerja di Indonesia Menggunakan Brown's Double Exponential Smoothing dengan Optimasi Pencarian Dikotomis

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