Financial Technology (Fintech) is a combination of technology and financial services. There are several types of fintech, including Peer to Peer Lending, Risk and Investment Management, Market Aggregator, Payment, Clearing and Settlement, which changes an old innovation with digital technology. One widely used fintech is Payment Gateways such as OVO and Go-Pay, which encourage cashless society. One indicator that is implemented to measure Payment Gateway's financial performance is sales revenue. This study aims to examine the effect of Payment Gateway on the Financial Performance of Small Medium Enterprises (SMEs) in Palembang Indah Mall. Data were collected through questionnaires involving 53 respondents by using normality test, validity test, reliability test, coefficient of determination, and t-test. The result of the t-test and the coefficient of the determination indicates that the Payment Gateway variable significantly influences the financial performance of SMEs measured by sales revenue.
The Brimob Corps is a special police force, just like the special military detachments held by the TNI such as Paskhas and so on. At present brigade corps police national is busy being discussed in the real world and cyberspace, especially on social media twitter. Many opinions about the brigade corps police national so there are positive and negative opinions. Social media twitter is now one places to spread information about brigade corps police national. This study cases uses text mining techniques with support vector machine (SVM) method which aims to classify public sentiments towards brigade corps police national on twitter. The dataset used is tweet in Indonesian with keyword “Brimob” with a total dataset of 1000 tweets. Text mining, transform, tokenize, stemming, and classification, etc. techniques are useful for building classification and analysis of sentiment. RapidMiner and Gataframework are also used to help create sentiment analysis to measure classification values. Accuracy values obtained with support vector machine (SVM) approach 86,96%, with precision values of 86,96%, and recall values of 86,96%.
<div class="page" title="Page 1"><div class="layoutArea"><div class="column"><p><span>ABSTRACT</span></p><p><span>Fintech is an innovation that has emerged in the field of financial services. Fintech changed the habits of public financial transactions. There are 2 types of fintech that are very popular for SMEs, namely Payment Gateway and Peer to Peer Lending (P2P). This study aims to analyze the effect of Payment Gateway and Peer to Peer Lending (P2P) on the increase in MSME income in the city of Palembang. The type of data used is primary data with data sources derived from questionnaires and interviews. The sampling method used in this study is purposive sampling, where the sample in this study is only for the types of MSMEs that are engaged in culinary and fashion in Pakembang. The analysis technique uses validity test, reliability test, normality test, coefficient of determination test (R2) and partial test (t test). Based on the results of the t test and the f test it can be concluded that there is an influence of Payment Gateway and Peer to Peer Lending (P2P) to increase revenue.</span></p><p><span>Keywords: </span><span>Fintech, Revenue, SME</span></p><p><span>ABSTRAK</span></p><p><span>Fintech merupakan inovasi yang muncul di bidang jasa keuangan. Fintech mengubah kebiasaan transaksi keuangan masyarakat. Ada 2 jenis fintech yang sangat popular bagi pelaku UMKM yaitu Payment Gateway dan Peer to Peer Lending (P2P). Penelitian ini bertujuan untuk menganalisis pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap peningkatan pendapatan UMKM di kota Palembang. Jenis data yang digunakan adalah data primer dengan sumber data berasal dari kuisioner dan wawancara. Metode penarikan sampel yang digunakan pada penelitian ini yaitu purposive sampling, di mana sampel pada penelitian ini hanya pada jenis UMKM yang bergerak di bidang kuliner dan fashion di Kota Pakembang. Teknik analisis menggunakan uji validitas, uji reliabilitas, uji normalitas, uji koefisien determinasi (R</span><span>2</span><span>) dan uji parsial (uji t). Berdasarkan hasil uji t dan uji f dapat disimpulkan bahwa terdapat pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap peningkatan pendapatan.</span></p></div></div><img src="blob:http://ejournal.uigm.ac.id/ea46f45e-78f8-4282-80f3-03240d33a989" alt="page1image60066624" width="89.760000" height="0.480000" /><div class="layoutArea"><div class="column"><p><span>Kata Kunci: </span><span>Fintech, Peningkatan Pendapatan, UMKM</span></p></div></div></div>
Text mining can be used to classify opinions about complaints or not complaints experienced by XL customers. This study aims to find and compare classifications in the sentiments of analysis from the view of XL customers. This dataset was derived from tweets of XL customers written on myXLCare Twitter account. In text mining techniques, “transform case”, “tokenize”, “token filters by length”, “n-gram”, “stemming” were used to build classification and sentiments of analysis. Gataframework tools were used to help during preprocessing and cleansing processes. RapidMiner is used to help create the sentiment of analysis to search and compare two different classifications methods between datasets using the Naïve Bayes algorithm only and Naïve Bayes algorithm with Synthetic Minority Over-sampling Technique (SMOTE). The results of the two methods in this study found that the highest results were using the Naïve Bayes algorithm with Synthetic Minority Over-sampling Technique (SMOTE) with an accuracy of 86.33%, precision 82.85%, and recall ratio 92.38%.
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