Abstract:Artificial Intelligence has become a transformative technology in the field of financial technology, leveraging advanced algorithms and machine learning to identify risks and make informed decisions. However, its widespread…
ead adoption presents new challenges related to ethical use, data privacy, security concerns, potential bias, and discrimination. This study aims to explore the benefits of AI-based risk management in Fintech while highlighting associated challenges and providing recommendations. This research utilises the systematic review methodology to analyse existing literature and identify important patterns, gaps, and areas for further investigation. The study utilised data gathered from the Scopus database to obtain credible scholarly materials. Research data was collected from a variety of countries including the United States, China, European nations, and other Asian countries in order to develop a comprehensive understanding of AI-based risk management on a global scale. The findings highlight the crucial role of ethical considerations in implementing AI-based risk management systems to ensure fairness, transparency, and accountability. Moreover, the fintech industry needs to establish strong data protection measures and address issues related to bias and discrimination in order to instil trust and uphold public confidence in AI-based risk management. Future research should emphasise assessing the effectiveness of different algorithms and approaches while also examining potential regulatory frameworks and legal implications associated with AI-based risk management strategies.
Abstract:This research investigates the impact of using online shopping applications on the welfare of traditional market traders in the Sungguminasa Traditional Market area. This study explores changes in business patterns, income,…
me, and living conditions of traditional market traders as a result of the penetration of online shopping applications. The research methods used include surveys, and interviews, to measure the extent to which online shopping applications influence their well-being. The results of this research provide valuable insight into economic and social changes in traditional markets due to continuously developing digital technology.
Abstract:This research departs from the fact that MSMEs are the pillars of economic growth to date, but their business growth is hampered by problems of weak control of strategic resources and limited market access. The general aim…
im of this research is to examine the development of a brick business competitiveness model. The research method uses a quantitative approach with an emphasis on explanatory research. The sample units are brick businesses located in Limbung Village, Bajeng District, Gowa Regency, totaling 65 businesses. Data collection used a survey with a questionnaire instrument using a Likert scale measurement. Respondents are asked to provide answers to closed statements. The respondents are brick business owners. The data analysis method in this research uses descriptive statistics to describe research variables and inferential statistics through PLS (Partial Least Square) analysis version of the WarpPLS 4.0 program. The results of the research analysis will be supported and deepened using a qualitative approach through in-depth interviews with several key informants and stakeholders.
Abstract:This study aims to measure and analyze the financial performance of PT. Bank Rakyat Indonesia Persero Tbk. The data used is secondary data and uses data collection methods, namely documentation techniques. The data used…
in this study is the financial report data of PT. Bank Rakyat Indonesia Persero Tbk which is reported to Bank Indonesia and has been published by the Indonesia Stock Exchange. Based on the results of the data analysis, it is concluded that CAMEL is an analysis of the soundness of a bank using the CAR ratio on capital, the KAP ratio on Asset Quality, the NPM ratio on Management, the ROA and BOPO ratios on Profitability, and the LDR ratio on Liquidity. From the results of research on financial performance and its relation to financial ratios using the CAMEL method, then it can be said that during the last four years (2017-2020) which shows that the financial performance achieved by PT. Bank Rakyat Indonesia Persero Tbk, is in the healthy category.
Abstract:This research was conducted with the aim of knowing, analyzing, and testing the effect of profitability, liquidity, solvency, and activity on the value of manufacturing companies in the food and beverage sub-sector listed…
d on the Indonesia Stock Exchange for the 2018-2022 period. Profitability is measured by Return on Equity, liquidity is measured by the Current Ratio, solvency is measured by the Debt to Equity Ratio, and activity is measured by Total Asset Turnover. This study uses a type of quantitative research with a comparative causal approach. The population used in this study were 30 food and beverage sub-sector companies listed on the Indonesia Stock Exchange for the 2018-2022 period. The research sample was taken using a purposive sampling technique. so that a sample of 11 food and beverage sub-sector companies were obtained which were listed on the Indonesia Stock Exchange for the 2018-2022 period. The analytical method used is multiple linear regression analysis using the SPSS version 21 program. The results of this study state that profitability has a positive and significant effect on firm value. Solvability has a positive and insignificant effect on firm value. liquidity and activity have a negative and insignificant effect on firm value.
Abstract:This study aims to determine the financial performance of PT. Gudang Garam Tbk in terms of profitability ratio analysis for 2019-2022. The type of research used is descriptive quantitative. The data collection technique…
in this study uses documentation techniques in the form of balance sheets and income statements for 2018-2022. The profitability ratios used in this study include Gross Profit Margin (GPM), Net Profit Margin (NPM), Return on Assets (ROA), Return on Equity (ROE), and Earnings Per Share (EPS). The results showed that the financial performance of PT. Gudang Garam Tbk for the last four years has tended to be unfavorable, because the average value of the profitability ratio is below the expected standard of measurement. To overcome the problem of declining financial performance, PT. Gudang Garam Tbk must identify and control production and distribution costs more efficiently, develop appropriate pricing and sales strategies, manage accounts receivable properly, and be prudent in using loans with favorable interest rates to increase the company's net profit.
Abstract:Appraisal of a company's performance can be seen both through financial and non-financial aspects. This study specifically measures financial performance by focusing on DuPont System analysis. The DuPont system divides performance…
erformance into three components, namely net profit margin, rate of return on assets, and rate of return on equity/capital. However, in this study, only two components of the DuPont System were used, namely return on assets and net profit margin. This type of research is quantitative research with a descriptive approach. The data analyzed comes from the financial reports at PT. State Savings Bank (PERSERO) Tbk specifically in the statement of financial position and annual comprehensive income statement ending December 31 2019 to December 31 2021. The results of the study show that Bank BTN has low financial performance. Judging from the total ROA generated each year, it cannot reach the standard set by Bank Indonesia. Even though it has a low ROA value, Bank BTN is able to increase ROA from year to year.
Abstract:This study aims to determine the effect of working capital turnover (WCTO) on the level of profitability (ROA) at PT Semen Indonesia (Persero) Tbk. The population in this study is all financial report data of PT. Semen Indonesia…
ndonesia (Persero) Tbk for the 2013-2020 period, while the samples in this study are statements of financial position and profit/loss statements. The documentation technique is the data collection technique used. The data collected was analyzed using financial ratios, simple regression analysis, correlation coefficients and t-test with the SPSS (Statistic Product and Service Solution) 24 For Windows program.
The findings in this study show that working capital turnover (WCTO) and profitability (ROA) have increased quarterly every year as measured by financial ratios. The results of the t-test show that the working capital turnover variable (WCTO) has a positive and significant influence on the level of profitability. The hypothesis in this study is accepted.
Abstract:This study aims to find out how the effect of e-service quality on e-loyalty through e-satisfaction at Mandar Coklat Shop Macoa. The population in this study were customers at Mandar Coklat Shop Macoa the sample used was…
60 customers. Data collection was carried out using the questionnaire method which was distributed via Google from. The data analysis technique used is partial least squares (PLS) using measurement model analysis (outer model) and structural model analysis (inner model) where the research results show a direct effect of E-Service (X) on E-Loyalty (Y), where from the results of the statistical test the result is a p-value (0.011) <0.05, which means that the p-value is less than the significance level of 0.05 so that there is a direct effect of E-Service on E -Loyalty.
Abstract:Digital transformation in elementary education demands technology integration that is not only oriented towards learning effectiveness but also towards strengthening character values. Learning evaluation, as a crucial part…
rt of the educational process, needs to be designed adaptively without neglecting the internalization of Islamic values. This study aims to analyze and describe the integration of the Quizizz platform in evaluating Islamic value-based learning at SDN Palumbonsari I, East Karawang District. The study used a qualitative approach with a case study type. Data were collected through participatory observation, in-depth interviews, and documentation, then analyzed interactively through reduction, presentation, and drawing conclusions. The results show that the integration of Islamic values was carried out systematically through three stages: evaluation planning by incorporating value indicators into learning tools, implementation of values in question design and digital feedback, and post-evaluation reflection in class. Digital features were utilized not only to display scores but also to convey moral messages that support Islamic character formation. In practice, digital evaluation functions as a cognitive measurement instrument as well as a means of habituating values. The implications of this research confirm that the use of digital platforms in evaluation can be directed as a medium for internalizing values if it is designed in a structured manner and supported by the teacher's pedagogical commitment.