Digital Finance For Improving Financial Inclusion Indonesians’ Banking

A digital finance service breakthrough is essential to get better financial assistance to optimize financial inclusion, and the effectiveness requires technological support in banking financial services. The study investigates the effect of digital finance on financial inclusion in Indonesians’ banking industry. We develop the new measurement, namely average digital finance (ADF), and use loan transactions to proxy financial inclusion. The samples are six banking during 2013-2019, and we use panel data regression to test the hypothesis and do a robustness check. Our result confirms that ADF positively impacts financial inclusion and finds evidence of bank size’s role in digital finance and financial inclusion. It implicates banks’ strategy for optimizing financial inclusion based on its characteristics such as age, profitability, and efficiency. It contributes to digital finance’s government policy for using explored internet banking and mobile banking stimulatingly.Widarwati, E., Solihin, A., & Nurmalasari, (2022). Digital Finance For Improving Financial Inclusion Indonesians’ Banking. Signifikan: Jurnal Ilmu Ekonomi, 11(1), 17-30. https://doi.org/10.15408/sjie.v11i1.17884

BANK EFFICIENCY ANALYSIS ON THE PERFORMANCE OF ISLAMIC BANKING IN INDONESIA (Case Study of Islamic Commercial Banks Listed on the IDX for the Period 2014-2018)

The purpose of this study is to determine the efficiency and performance of Islamic banking in Indonesia and the effect of the relationship between efficiency on the performance of Islamic banking in Indonesia. This type of research is descriptive. With the research object is the financial statements of 11 Islamic banks in Indonesia. The data analysis method used is Data Envelopment Analysis (DEA), ratio analysis, and panel data. The results showed that based on the DEA analysis, the overall average of Islamic banks reached an efficiency of 95.1%, and in several periods the 11 banks had an efficiency level of 100%. In the ROA ratio analysis, it shows that Islamic banks are in bad condition, the NIM ratio analysis shows that Islamic banks are in good condition. The analysis of the effect of the DEA analysis with the ROA and NIM ratios shows that the ROA ratio is not significant and has a negative effect on DEA. The NIM ratio has a positive and significant effect on the DEA analysis. Sharia banking listed on the IDX 2014-2018 should be able to manage time, funds, costs as best as possible. As well as avoiding risks and interests between investors or funders so that banks avoid Increasing and Decreasing. The next researcher should be able to add other variables such as other ratio performance variables

ANALYSIS OF THE DIFFERENCE OF GREEN FINANCING APPLICATION OF COMPANY PERFORMANCE PT. AIR ASIA

The purpose of this research is to analyze the implementation of green financing and to find an impact of application of green financing toward earning pt.airasia. Industri activities oftentimes give some bad impact to environment surrounding. Green financing is a Financing or lending to businesses that are environmentally friendly. The implementation of green financial can give good image for the company however preliminary research found not many companies are implementing green financial. This research will use quantitave approach and different test or  paired T-test will use for statistical testing, in order to test the research assumptions. Variable of this research are Green financial and Earning. This research is expected will contribute for the development of green financial theory and enhancement of the implementation of green financial especially in airline on Asian Economic community era

THE EFFECT OF FINANCIAL LITERATION LEVELS ON THE USE OF ATM (AUTOMATED TELLER MACHINES) IN COMMUNITIES IN SUBANG CITY

Economic development has been followed by payment system. The evolution of payment system was begin from change system barter, money commodity,cash, coin, check and other banking products such as ATM cards. Benefits of using an ATM card are either directly or indirectly affecting a person's behavior in consumptive consumption activities. This consumptive lifestyle factors, it seems that they do not apply financial literacy in making financial decisions in their daily lives. Meanwhile, sufficient financial management skills and knowledge of financial literacy have a very important role at a young age. The method of research conducted by the authors in this final project is a quantitative descriptive method by using a simple linear regression analysis tool using 100 respondents ATM users in the city of Subang. Statistical methods for testing data using SPSS 22 for windows. By using simple linear regression analysis, the result of equation Y = 16,714 + 0,338X1 + e. From the results of the research note that the financial literacy influential significanly on the use of AT

THE EFFECT OF FINANCIAL INCLUSION ON STABILITY OF SHARIA BANKING IN INDONESIA

Financial inclusion began as a consequence of 2008 crisis. This is because there are still many people who are classified as unbanked. Indonesia is a country with a high unbanked population. Providing an ease of banking access, unbanked community can affect the stability of sharia banking as one of the formal financial institutions. The objective of this research is to find out the effect of financial inclusion on stability of sharia banking in Indonesia. This research is a quantitative research using one dependent variable that is Non Performing Financing as proxy of syariah banking stability and two independent variable that is SMEs Small Medium Enterprises Loan as proxy of financial inclusion and variable of deposit. The data used in this research is obtained from the Annual Report of Banking Company Publication from each company webpage. Purposive Sampling method used in this research is 5 syariah bank in Indonesia in 2011-2016, total observation unit is 30. The type of data used is secondary data, which is a combination of time series and cross section. The statistical tools used are Eviews Version 9 and SPSS 22. The results showed that the deposit variable as a proxy of financial inclusion affects the financial system stability and financing of umkm has no effect on the stability of the financial system. The coefficient of determination that shows the influence of deposits and financing umkm to the stability of the financial system by 39.25%, while the remaining 60.75% is explained by other variables outside the model

ANALYSIS OF CORPORATE SOCIAL RESPONSIBILITY IN FINANCIAL PERFORMANCE (CASE STUDY OF AIRASIA MALAYSIA)

This study aims to explain the role of corporate social responsibility (CSR) on the financial performance of a case study of the airline company Airasia Berhad This research data collection method is a literature study, and researchers obtain information from Airasia Berhad's annual report. based on the results of this study CSR has an important role on financial performance with the reputation and achievements of companies that care about the environment to be more value for stakeholders in considering buying company shares so that it has an impact on rising company stock prices

THE EFFECT OF BOARD STRUCTURE ON EARNING MANAGEMENT

Earnings management is a decision taken by company management to increase current reported earnings without corresponding growth in the company's long-term profits. Earnings management in a company can be minimized by the existence of a Good Corporate Governance (GCG), so that the quality of financial statements is better. Corporate Governance as a monitoring system is a strategic mechanism to strengthen or improve organizational legitimacy.The purpose of this study was to obtain empirical evidence of the effect of Board Structure e on earnings management. The independent variables in this study are board size, cross directorship, and board monitoring committee. This study uses  BUMN companies listed on the Indonesia Stock Exchange (IDX) during 2020 to 2021. The sample used in  this study is 21 company data using the purposive sampling method. This study uses EViews version 12 in data  processing. This study uses multiple regression methods to determine the effect of the independent variables on the dependent variable. The results of this study indicate that the variable cross directorship has a  negative effect on earnings management meanwhile the board size and board monitoring committee have  no effect on earnings management

THE INFLUENCE OF CORPORATE SOCIAL RESPONSIBILITY ON MALAYSIA AIRLINES INVESTMENT DECISIONS

The aims of this study is to empirically prove the influence of Corporate Social Responsibility on investment decisions in Malaysian airlines. the results of this study can be used as information for investors when buying shares in a company when investing.         The analytical tool used in this study uses a simple linear regression analysis method through tests of normality, autocorrelation, t test and coefficient of determination. The population in this study are all AirAsia BHD financial statements from the IPO to the present. The sample used in this study is AirAsia's BHD financial statements starting from 2014-2018. The data used in this study are secondary data, namely AirAsia BHD financial statements and information relating to the company through the website. Based on the results of the study found that disclosure of Corporate Social Responsibility has no effect on investment decisions

THE EFFECT OF FINANCIAL PERFORMANCE ON COMPANY VALUE OF PT YAKULT SEREMBAN SDN., BHD WITH CORPORATE SOCIAL RESPONSIBILITY DISCLOSURE AS A MODERATING VARIABLE

The purpose of this study is to examine the effect of financial performance (ROA) toward the corporate value and to examine the effect of cost allocation of corporate social responsibility (CSR) in moderating the relationships of financial performance toward the corporate value of Yakult Seremban SDN., BHD. In the analysis of the data, multiple regretion analysis is used to determine the effect of variables involved in this study. The results of the study show that partially financial performance (ROA) does not significantly affect the corporated value. Furthermore, corporate social responcibility does not to partially moderate the effect of the financial performance relationships toward corporate value. This research uses descriptive verification research with quantitative approach. The data used secondary data sourced from the annual report yakutl honsha., CO.BHD. population of yakult honsha financial report research, with sample 2014-2018 financial statements. the variables in this study are independent, independent and moderating variables

THE EFFECT OF COMPANY CHARACTERISTICS ON CORPORATE SOCIAL RESPONSIBILITY IN PT. ANGKASA TEMPLE II

Corporate Social Responsibility (CSR) is basically a need for companies to be able to interact with the community around the company. The company needs to adapt and to get social benefits from interacting with the surrounding community in the form of trust. CSR is certainly very closely related to corporate culture and business ethics that must be possessed by corporate culture, because to implement CSR itself requires a culture based on adaptive ethics. This research is a descriptive verification study, with a quantitative approach. The population used in this study is the financial statements of PT. ANGKASA PURA II since Go Public. Based on the sampling criteria in this study are financial statements from 2014-2018. Data collection techniques used in this study are documentation techniques by collecting and utilizing data that has been available as a source of information. The data used are secondary data in the form of annual reports (annual report) and financial reports (financial report) of PT. Angkasa Pura II, which has been published. The dependent variable in this study is the disclosure of corporate social responsibility (Corporate Social Responsibility). The independent variables in this study are company characteristics which are proxied by company size (size), profitability, leverage, and company growth. Company size, profitability, leverage, and company growth have no effect on Corporate Social Responsibility. Overall, the results of this study that size, profitability, leverage and growth variables do not affect corporate social responsibility