Judul: The Role of Financial Technology in the Profitability and Efficiency of Banking Sub Sector Companies on IDX
Abstrak: Perkembangan financial technology meningkatkan persaingan di industri perbankan karena melibatkan perusahaan-perusahaan non-bank yang memiliki fungsi seperti bank. Untuk meningkatkan daya saing, bank berinovasi dengan memberikan layanan internet banking, mobile banking, serta bekerja sama dengan startup fintech. Penelitian ini bertujuan untuk menganalisis peran internet banking, mobile banking, serta kerja sama dengan start up fintech pada profitabilitas dan efisiensi perusahaan sub sektor perbankan yang terdaftar di BEI. Data yang digunakan berupa data sekunder dan dianalisis menggunakan regresi logistik dengan software SPSS 25. Profitabilitas diukur melalui ROA dan efisiensi diukur melalui BOPO. Hasil penelitian menunjukkan tidak terdapat perbedaan peluang ROA di atas rata-rata dan BOPO di bawah rata-rata antara perusahaan sub sektor perbankan yang menggunakan internet banking dan mobile banking dibandingkan dengan yang tidak. Perusahaan sub sektor perbankan yang bekerja sama dengan start up fintech secara signifikan memiliki peluang yang lebih besar untuk memperoleh ROA dan BOPO yang lebih baik., The development of financial technology increases competition in the banking industry because it involves non-bank companies that have functions such as banks. To increase competitiveness, banks innovate by providing internet banking services, mobile banking, and collaborating with fintech startups. This study aims to analyze the role of internet banking, mobile banking, and cooperation with fintech start-ups on the profitability and efficiency of banking sub-sector companies listed on the IDX. The data used are secondary data and analyzed using logistic regression with SPSS 25 software. Profitability is measured through ROA and efficiency is measured by BOPO. The results showed that there was no difference in the chance of ROA above average and BOPO below average between banking sub-sector companies that used internet banking and mobile banking compared to those that did not. The banking sub-sector companies that cooperate with fintech start-ups have a significantly greater chance of obtaining better ROA and BOPO.
Keyword: efficiency, internet banking, mobile banking, profitability, startup fintech

Judul: Analisis Pengaruh Financial Technology (fintech) terhadap Kinerja Keuangan Bank Pembiayaan Rakyat Syariah (BPRS)
Abstrak: Teknologi finansial (fintech) dikenal sebagai solusi atas jumlah masyarakat yang tidak terlayani bank yang dikenal sebagai penduduk unbanked dan kategori underbanked di industri keuangan, termasuk Bank Perkreditan Rakyat Syariah (BPRS). Namun, tren peningkatan pembiayaan yang diluncurkan BPRS setelah munculnya fintech tidak selalu memberikan peningkatan kinerja keuangan BPRS. Tujuan penelitian ini adalah untuk mengidentifikasi karakteristik perusahaan fintech dan Bank Perkreditan Rakyat Syariah (BPRS), dan enganalisis pengaruh industri fintech terhadap kinerja keuangan BPRS. Penelitian ini menggunakan metode Autoregressive Distributed Lag (ARDL). Hasil penelitian menunjukkan bahwa terdapat persamaan dan perbedaan karakteristik antara perusahaan fintech dengan juga Bank Perkreditan Rakyat Syariah (BPRS). Rasio kecukupan modal dan fintech aset berpengaruh signifikan terhadap kinerja keuangan Bank Perkreditan Rakyat Syariah (BPRS) dalam jangka pendek. Sementara dalam jangka panjang, ukuran fintech mempengaruhi kinerja keuangan Bank Perkreditan Rakyat Syariah (BPRS), Financial technology (fintech) is known as a solution to some people who are not served by banks, or known as unbankable population and the underbanked category in the financial industry, including Islamic Rural Banks(BPRS). However, the increasing trend of financing disbursed by BPRS after the emergence of fintech does not always provide an improvement in the financial performance of BPRS. The purpose of this study is to identify the characteristics of fintech companies and Islamic Rural Banks (BPRS), and analyze the effect of the fintech industry on the financial performance of Islamic Rural Banks. This study used the Autoregressive Distributed Lag (ARDL) as the method. The results showed that there are similarities and differences in the characteristics between fintech companies and also Islamic Rural Banks (BPRS). Capital adequacy ratio and the fintech asset significantly affect the financial performance of the Islamic Rural Bank (BPRS) in the short term. While in the long term, the fintech asset affects the financial performance of the Islamic Rural Bank (BPRS)
Keyword: ARDL, kinerja keuangan, Bank Pembiayaan Rakyat Syariah, fintech

Judul: Studi Taksonomi Katak Subgenus Papurana (Lesson, 1831) dari Halmahera (Anura, Ranidae, Hylarana), Studi Taksonomi Katak Subgenus Papurana (Lesson, 1831) dari Halmahera (Anura, Ranidae, Hylarana
Abstrak: I reevaluated taxonomic of subgenus Papurana position from Halmahera based on morphological and molecular analyses. My results show that two separate species occur on the Halmahera Island, each nested within two distinct clades (hereafter papua clade and celebensis clade), one of which corresponds to H. moluccana (celebensis clade) and the other to an unidentified species (papua clade). By p-distance ranging from 6.9 to 11.5% on the 16S rRNA gene, the unidentified species (Hylarana sp.) is genetically different from all congeners of the papua clade. The Hylarana sp. can be distinguished from all congeners by following combination of charactes: vomer teeth in two oblique rows with narrow inter-vomer distance; snout rounded dorsally; dorsum with few scattered cone-shaped tubercles that are black with white tips; distinct skin folds (ridges) on the dorsal side of the thigh coinciding with dark brown cross bars; a marbled pattern on the ventral side of the thigh and yellowish groin. I also present new data for H. daemeli, H. volkerjane, and H. arfaki from the western region of Papua. Furthermore, I found that H. celebensis has numerous mtDNA lineages, indicating cryptic diversity within the celebensis clade. The discovery of two separate species on Halmahera necessitates more research into the biogeographic history of Hylarana in Northern Moluccas.
Keyword: frog, Halmahera, Hylarana, morphology, Papurana, phylogenetic