International Journal of Engineering Business and Social Science

Does the growth of Fintech Start-ups influence the Bank’s Financial Performance in ASEAN-5 countries?

2024-10-29T08:37:58+00:00

The ASEAN (Association of South-East Asian Nations), established in 1967, comprises ten member countries, including Indonesia, Malaysia, the Philippines, Singapore, and Thailand (ASEAN-5), which represent 66% of the region's population. The banking sector, a crucial element in economic growth, has been significantly influenced by the rise of Fintech start-ups, which offer new technologies and business models such as digital payments and peer-to-peer lending. This study examines the impact of Fintech on the financial performance of banks in the ASEAN-5 countries from 2019 to 2022, considering factors such as government regulations, technological advancements, and the COVID-19 pandemic. The research explores how Fintech growth has affected key financial performance indicators, including Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM). It highlights the fluctuations in ROE across ASEAN-5 countries and discusses the mixed impacts of Fintech on bank performance, with some studies indicating negative effects due to disruptive innovation and others showing positive impacts through financial inclusion and automation. The study also investigates internal factors like company size and capital ratio, which influence bank performance. Company size, measured by total assets, and the capital ratio, reflecting equity to assets, are analyzed to understand their effects on financial performance. Additionally, external factors such as GDP and inflation are considered as control variables to isolate their impact on bank performance. By evaluating these variables, the research aims to provide insights into how banks in ASEAN-5 can adapt to the evolving financial landscape shaped by Fintech innovations and external economic conditions.

Management of Hazardous and Toxic Waste (B3) in the Biodiesel Industry PT X Tbk

2024-03-15T04:01:32+00:00

PT X Tbk is a company engaged in the CPO processing industry from palm oil. This company processes from CPO or crude palm oil raw materials which in the process of operation produce hazardous and toxic waste (B3) in the form of liquid waste and solid waste. Regulation of the Minister of Environment and Health No. 6 of 2021 concerning Procedures and Requirements for the Management of Hazardous and Toxic Waste. The management of hazardous and toxic solid waste (B3) carried out by PT X, Tbk includes identification and inventory, packaging, labeling and symbolization, storage, external transportation to third parties and utilization of B3 waste.

Development of a Web-Based Digital Archive Search System Using The Binary Search Algorithm

2024-09-12T02:23:39+00:00

In several departments or faculties at various universities, the business process that is often carried out is archive management. The quality of service in each organization is one indicator of the success of a business entity or organization. In meeting these indicators, information systems or information applications are a mainstay in a business strategy. In several departments or faculties at various universities, the business process that is often carried out is archive management. Archiving activities are very important because they involve official documents and are important for every institution. Increased technological innovation has empowered institutions to monitor archives in a digital way. The purpose of this research is to create a website-based archive application using binary searching algorithms that can be used to record and store easily and safely, and be managering every archive for essier access. The system development methodology uses the waterfall method and the PHP and MySQL programming languages. This application can be used to record, store, display archives by category and can be used to display archives by category, preview archives, download archives and archive details in the Design Department of the Polytechnic Media Creative.

Digilite Content Management System Digital Library Lite

2024-09-18T03:49:13+00:00

Digital library is a system that organizes and provides access to digital information content. Unlike conventional publishing, which has physical content like books, journals, and journals, digital publishing offers content in electronic format that can be accessed through a computer or other device connected to the internet. It allows users to search, download, and create various types of content, such as e-books, articles, videos, and more, from various sources. In the rapidly evolving digital era, effective and efficient content management is crucial for organizations, businesses, and individuals who want to build online presence. Content Management Systems (CMS) are a useful tool for creating, editing, and distributing content on the web without technical knowledge about coding. CMS provides user-friendly tools, allowing users to easily use text, images, videos, and other elements in their sites. Web-based digital library is a platform that uses CMS to create and distribute content without requiring technical knowledge. Users can search, download, and create digital content from various sources connected to the internet. CMS also provides a user-friendly interface and allows users to manage content efficiently, making it an ideal solution for various web publishing needs, from personal blogs to large business portals. Digital library is designed for ease of use and infrastructure, avoiding various issues. It can help create a modern, literate culture and contribute to the development of a more efficient and user-friendly system.

The Role of Service Quality in Improving Customer Satisfaction: A Study in the Hospitality Business of University

2024-10-09T07:28:22+00:00

This research aims to analyze the dimensions of Service Quality, analyze service attributes, and analyze the influence of Service Quality on Customer Satisfaction at the Hospitality Business. Universitas Terbuka (UT), as a State University with Legal Entity (SU-LE) in Indonesia, operates various business units, including hospitality services such as guesthouses and meeting facilities. This research focuses on analyzing the service quality and customer satisfaction within these hospitality services of UT. UT aims to improve non-tuition revenue streams through its business operations, making the quality of its hospitality services a crucial aspect of its overall performance. Respondents who completed this study were as many as 379 customers of guesthouses and meeting facilities. The data used in this study is primary data sourced from questionnaires distributed to customers. The research methods used are gap analysis, IPA analysis, and the Structural Equation Model. The variables that influence customer satisfaction are tangible and responsiveness variables, while the variables reliable, assurance and empathy do not influence guest house UT customer satisfaction. This research contributes to the attributes of service quality and customer satisfaction in a state university hospitality business. This study is an exploration of each customer's preferences regarding perceived satisfaction and the level of importance expected for the services provided by hospitality businesses.

Potential Conflicts in The Nusantara IKN and Its Prevention

2024-07-26T07:05:53+00:00

The Unitary State of the Republic of Indonesia was founded and its independence was fought for none other than to protect the entire Indonesian nation and all of Indonesia's blood, promote general welfare, educate the life of the nation, implement world order based on independence, eternal peace and social justice." This is as stated in the Preamble to the Law. -The 1945 Constitution of the Republic of Indonesia (1945 Constitution of the Republic of Indonesia) paragraph 4 (four). This means that it is the duty of the President as head of state and head of government to improve the welfare of all Indonesian people both living on the island of Java and outside Java In fact, after all these decades it turns out that there is still inequality in various fields, especially the economy between the island of Java and other regions outside Java, one of which is due to the position of the country's capital in the Jakarta area which is located on the island of Java, so that development is uneven.

The high inequality in economic, social and cultural development between Java and non-Java is getting higher day by day. So President Joko Widodo, on April 29 2019, announced his policy to move the National Capital (IKN) from the DKI Jakarta area to other areas in East Kalimantan, namely North Penajam Paser Regency and Kutai Kertangerara Regency which were chosen as the potential IKN locations. President Jokowi's decision received support from the DPR RI with the issuance of Law (UU) No. 3 of 2022 concerning the Move of the National Capital. In 2023, this law has been revised or amended with the approval of the DPR RI, to become Law No. 21 of 2023. In this context, a fairly comprehensive basis and review of the study of the movement of IKN from the DKI Jakarta area to the North Penajam Paser and Kutai Kertanegara Regency areas is needed. East Kalimantan so that there is no potential for conflict to arise in IKN. For this reason, it is necessary to prepare programs and activities as well as policies to prevent or at least minimize the potential for social conflict and the impacts arising from social conflict between immigrant communities and the indigenous people of East Kalimantan.

This type of research uses qualitative research methods, namely methods that focus on in-depth observation. Therefore, the use of qualitative methods in research can produce a more comprehensive study of a phenomenon. Data and information collection techniques are carried out through observation and literature study

The results of the study concluded that IKN was prone to the emergence of social conflict due to the long-standing and hereditary problem of land ownership belonging to indigenous communities in North Penajam Paser. Apart from that, it is also caused by the social gap between immigrant communities, who on average have a bachelor's degree, have special skills, a high work ethic and a better level of welfare compared to the majority of native communities. Another factor is the factor of injustice between individuals in society, whether due to differences in opinions and feelings, cultural differences, politics. economic and welfare differences that can have an impact on the birth of clashes both between individuals and between community groups. It turns out that there have been many social conflicts in this area for a long time, which if allowed to continue will create disharmony between the immigrant community and the native communities of North Penajam Paser and Kutai Kertanegara.

Transformational Leadership, Interpersonal Communication, Information and Communication Technology Literacy, and Knowledge Management

2024-10-05T07:18:14+00:00

The purpose of this research is to identify strategies to enhance school effectiveness by strengthening transformational leadership, interpersonal communication, ICT literacy, and knowledge management. A quantitative method with path analysis was applied, and SITOREM analysis was used to optimize each indicator. The study involved 445 teachers from private vocational schools in Depok City, with a sample of 211 teachers. The findings reveal that school effectiveness can be improved by reinforcing transformational leadership, interpersonal communication, ICT literacy, and knowledge management. Key strategies include addressing weak indicators such as feedback, empathy, knowledge application, and access. Statistical tests show significant positive direct effects of: 1) transformational leadership on school effectiveness (Sig=0.032), 2) interpersonal communication on school effectiveness (Sig=0.000), 3) ICT literacy on school effectiveness (Sig=0.001), and 4) knowledge management on school effectiveness (Sig=0.001). Additionally, transformational leadership, interpersonal communication, and ICT literacy all positively affect knowledge management. Knowledge management serves as an effective mediator for the influence of transformational leadership (Sig=0.004) and interpersonal communication (Sig=0.001) on school effectiveness, but not for ICT literacy (Sig=0.356).

The Role of Political Parties in Maintaining Democratic Stability in Indonesia

2024-10-02T07:59:45+00:00

The Indonesian state is one of the many countries that use a democratic system. Democracy is a system in which the people hold the highest position in government. This is in accordance with the etymological meaning of democracy, namely demos which means people and cratos which means power. And democracy has a reciprocal relationship that is from the people, by the people and for the people. This proves that democracy puts the people in the highest position. The requirement for democracy is the existence of elections. General elections occur when there are several political parties competing with each other for power and realizing the goals and ideals of the people or their members. In addition to realizing the ideals or goals of the people, political parties also have a very important role, namely conveying the aspirations of the people to the government in power, and political parties are also representatives of the people in overseeing the course of government so as not to deviate from pancasila. This writing uses a qualitative method approach using library research methods or literature studies. Where in the content of our material there are opinions of experts in their fields in the material we get by exploring previous studies related to the role of political parties in maintaining democratic stability in Indonesia. And in this writing we as writers really hope that our writing can be useful for readers, and we also hope that through our writing readers will be more concerned about the role of political parties in maintaining democratic stability in Indonesia.

Are Triboelectric Nanogenerators More Efficient Than Piezoelectric Transducers in Generating Energy from Precipitation?

2024-09-09T04:23:22+00:00

This review examines two primary methods for harvesting energy from precipitation: triboelectric nanogenerators (TENGs) and piezoelectric transducers, which are leading technologies in converting mechanical energy from rain into electrical energy. The comparison between TENGs and piezoelectric transducers focuses on their operational mechanisms, material characteristics, and environmental factors such as water pH and temperature. The review highlights that TENGs offer greater design flexibility, efficiency in low-intensity rain, and cost-effectiveness, while piezoelectric transducers excel in high-frequency environments. The development of hybrid systems combining both technologies presents a more efficient and sustainable solution for rain energy harvesting.

Formulation of Boilerplate Clauses in Outsourcing Agreement that is Constanted by the Parties in Give Legal certainty

2023-08-31T14:22:00+00:00

This research analyzes the formulation of boilerplate clauses in outsourcing agreements, focusing on how these clauses ensure legal balance and certainty for all parties involved. It reviews critical components such as Choice of Law, Language Clauses, and Severability Clauses, identifying their roles in achieving fair and enforceable agreements. Utilizing a normative legal research method, this study examines Indonesia's Employment Law No. 13 of 2003 and Government Regulation No. 35 of 2021, which outline the guidelines for outsourcing, including the legal requirements for contracts with outsourced workers. Findings suggest that incorporating boilerplate clauses within outsourcing agreements strengthens legal certainty and balance between the outsourcing agency, employer, and outsourced workers, addressing potential issues of norm ambiguity and ensuring adherence to national labor standards. The research emphasizes the importance of these clauses in upholding the principle of legal balance and protecting the rights of outsourced employees.

Strategy for Developing Village-Owned Enterprises (Bumdes) in Pulau Tiga Village, Pulau Tiga Barat District, Natuna Regency

2024-09-06T02:22:57+00:00

Efforts to realize village independence can be done through village economic institutions known as Village-Owned Enterprises (Bumdes). As mandated by Law Number 6 of 2014 concerning Villages, villages are expected to be able to create village independence through various village-scale programs and activities and local wisdom. One of the Bumdes in Pulau Tiga Barat District that is expected to be able to improve the village economy is Bumdes Karya Muda Mandiri Pulau Tiga Village by developing various business units including water business units, rental business units and trade business units. The purpose of this study is to analyze how the development strategy of Village-Owned Enterprises (Bumdes) in Pulau Tiga Village, Pulau Tiga Barat District, Natuna Regency in an effort to realize village independence and improve community welfare, as well as identify obstacles/barriers in the development of the Bumdes. The type of research used in this study is descriptive qualitative using the phenomenological type. The data sources used are primary and secondary data. The data collection techniques used are observation, interviews and documentation. The data analysis techniques used in this study are Data Reduction, Data Presentation and Conclusion Drawing. The results of the study found that: 1) The organizational strategy is good but not yet optimal, seen from the programs implemented that meet the criteria stated in the Bumdes vision and mission, but the objectives of Bumdes are still not understood by the community. 2) The program strategy carried out cannot be said to be optimal because several programs have been prepared but not all programs have been realized due to budget constraints. 3) The resource support strategy also cannot be said to be good, and 4) The Institutional Strategy has not been fully implemented. So it can be said that the Karya Muda Mandiri Bumdes Development Strategy in Pulau Tiga Village, West Pulau Tiga District is good but not yet optimal. The results of this study provide recommendations to the Pulau Tiga Village Government and the Karya Muda Mandiri Bumdes Management to maximize socialization of the Bumdes program to the Community and improve the ability of Bumdes Management in developing Bumdes by prioritizing deliberation in making planning and policies.

The Influence of Knowledge Management , Human Resource Competency, and Work Environment on Employee Performance Moderated by Innovation at PT Petrokimia Gresik

2024-08-15T07:23:41+00:00

The population in Indonesia is increasing along with the need for food. The availability of fertilizer commodities as biological nutrients for agricultural needs must be increased. PT Petrokimia Gresik under the state-owned company PT Pupuk Indonesia strives to maintain employee performance in supporting the company's production to continue to grow. This research aims to determine the influence of knowledge Management , Human Resource Competency, and Work Environment on Employee Performance Moderated by Innovation at PT Petrokimia Gresik (Persero). The population in this study was 2043 Petrokimia Gresik employees, the sample in this study was 197. The sampling technique was Simple Random Sampling . Data analysis uses Smart PLS 0.3 structural model calculations. The results of this research found that Knowledge Management and Innovation do not have a direct effect on Employee Performance, HR Competency and Work Environment have a direct effect on Employee Performance, There is a positive interaction between Knowledge Management and Innovation in influencing Employee Performance. Innovation cannot moderate the interaction between HR Competency and Work Environment on Employee Performance

The Effect of Electronic Word of Mouth Using Analysis of Review Valence on Brand Trust as a Purchasing Decision Lucienne Beauty

2024-10-08T04:41:00+00:00

The influence of electrinic word of mouth in today's digital age has a great impact on a person's consumptive nature. Therefore, the role of electronic word of mouth is very important in a person's decision to buy a product. The purpose of this study is to find out the influence of Electronic Word of Mouth based on valence reviews to create brand trust as an intervening variable that will have an impact on the purchase decision of the Lucienne Beauty brand. This research was conducted using data taken using 110 qualitative data from Lucienne Beauty customer respondents. The analysis tool used is SmartPLS 4.0. Data analysis is carried out by assessing the outer model or measurement model and the inner model or structural model. The results showed that the electronic word of mouth from the valence review partially had a significant positive effect on brand trust, and the electronic word of mouth had a significant positive effect on the purchase decision of Lucienne Beauty products through the brand trust variable as the intervening variable.

Implementation of Green Accounting to Support High-Quality SDGs Disclosure and Enhance Stock Prices

2024-06-01T10:14:07+00:00

Natural resources are the primary raw materials produced by companies within the Mining Sector. Their products are not only needed by the Indonesian community but also by people in other countries. In the context of business expansion, the mining sector requires significant funding. In reality, based on data obtained from the Indonesia Stock Exchange, the stock prices in this sector continue to decline. The fact that many companies disclose Sustainability Development Goals in a non-detailed manner is a cause of the decline in a company's reputation in the eyes of the public. The suboptimal disclosure of Sustainable Development Goals is due to the fact that many companies in the mining sub-sector are neglecting their obligations for reclamation funds, commonly referred to as Green Accounting. The aim of this research is to analyze that relationship. The totalresearch observations are 45 companies and will be tested using path analysis. The research results indicate that the implementation of Green Accounting can enhance the quality of Sustainability Development Goals disclosure, High-quality Sustainability Development Goals disclosure can increase Stock Prices, and the implementation of Green Accounting can boost Stock Prices through high-quality SDGs disclosure.

Sociological Rational Policies to Overcome Land Traumatics

2023-04-19T04:30:07+00:00

The community and the Polorejo Village Government in 2008 experienced land trauma, so they rejected the land rights certification program offered by the Ponorogo Regency Land Office, from 2008 to 2013. This phenomenon is interesting to research, using qualitative research methods, accompanied by a rationalistic approach. The number of informants was 13 people, who were selected purposively. The data consisted of: (1) Primary data, obtained from the results of interviews with informants; (2) Secondary data, in the form of population data of Polorejo Village. Meanwhile, data analysis is carried out by utilizing Qualitative Analysis Techniques. The results of the study show that land trauma in the community and the Polorejo Village Government was then responded by the Head of the Ponorogo Regency Land Office in 2014, by issuing a sociological rational policy. The operationalization of this policy includes: (1) the formation of community groups, (2) the implementation of a mass and self-help land rights certification program, (3) the implementation of the national agrarian program, and (4) the complete systematic land registration program. In the end, this policy succeeded in having a positive impact on the community and the Polorejo Village Government in the form of the loss of land trauma.