Financial technology (Fintech) adalah gabungan teknologi dengan jasa keuangan/ finansial yang akhirnya berkembang ke arah model bisnis dari konvensional menjadi online, yang awalnya dalam membayar harus bertatap-muka dan membawa sejumlah uang kas, kini dapat melakukan transaksi jarak jauh dengan melakukan pembayaran yang dapat dilakukan dalam hitungan detik saja. Penelitian ini akan membahas peranan Fintech pada Usaha Mikro Kecil dan Menengah. Studi kasus pada penelitian ini adalah UMKM di kabupaten Pekalongan, kabupaten Batang dan kabupaten Pemalang. Metode yang digunakan adalah menggunakan metode deskriptif yang memberikan gambaran tentang peran Fintech jika dilihat dari literasi keuangan dan inklusi keuangan pada UMKM. Dari hasil analisis bahwa perkembangan Fintech yang dilakukan oleh lembaga keuangan baik itu perbankan, koperasi simpan pinjam dan keuangan lainnya dapat meningkatkan literasi keuangan dan inklusi keuangan pada UMKM.
This study aims to analyze the effect of stock beta, Debt to Equity Ratio (DER) and Return on Assets (ROA) on stock returns in Liquid Stocks (LQ) 45 for the 2018-2019 period. The research population is stocks listed in LQ 45 stock using purposive random sampling. The sample of this study is 45 LQ 45 companies. The research method uses secondary data in the form of financial statements. Data analysis uses linear regression to test the effect of Debt to Equity Ratio (DER) and Return on Assets (ROA) on stock returns. The results showed that beta, DER and ROA simultaneously had a significant effect on stock returns. Partially, the beta variable has a significant negative effect on stock returns, while the DER and ROA variables have a positive and significant effect on stock returns.
Cooperatives for Savings and Loans and Sharia Financing are microfinance institutions that collect funds from the public and distribute them to people who need these funds. The purpose of this study was to determine the financial management system of sharia financing with the murabahah contract in the Baitut Tamwil Tazakka Islamic Savings and Loan Cooperative. This research is qualitative research using interview and documentation methods and obtained primary and secondary data results. The results of this study are that the murabahah contract is one of the most dominant contracts in the Baitut Tamwil Tazakka Sharia Savings and Loan Cooperative. Among the products are funding and financing products. In non-performing financing or bad credit, it is known from Non-Performing Financing 0.4%, so to avoid this, the Saving and Loan and Sharia Financing Cooperatives use the 5C principles, namely Character, Capacity, Capital, Collateral, and Condition.
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