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SHOULD BANK DIVERSIFY THEIR INCOME AND CREDIT? EVIDENCE FROM INDONESIA BANKING INDUSTRY Fadli, Jul Aidil
KINERJA Vol 23, No 1 (2019): KINERJA
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

This study aims to examine the effect of income and credit diversification toward bank risk and performance. In this study, diversification was measured using Adjusted Herfindahl-Hirschman Index (AHHI). Bank risk is measured by the standard deviation of ROA, standard deviation of ROE, Z-Score, Nonperforming Loan and Beta. Meanwhile, bank performance is measured by Return on Assets, Return on Equity, risk adjusted ROA and risk adjusted ROE. The robustness test completes this study by dividing the sample into low and high diversified bank. By using panel data of 53 listed and non listed Indonesian banks from 2011 to 2015, the results show that banks get benefit through the implementation of income diversification. Conversely, banks are badly affected through the implementation of loan diversification as it can increase risk and decrease bank performance. The results suggest bank to maximize income diversification by increasing the proportion of non-interest income in the income structure. Furthermore, banks should focus credit distribution that best suits their capabilities.Keywords: bank, credit, diversify, interest income

IDENTIFIKASI FAKTOR PENENTU MINAT BELI PADA PRODUK KECANTIKAN HIJAU Kusuma, Jessy Wijaya; Fadli, Jul Aidil
Jurnal Ekonomi : Journal of Economic Vol 12, No 02 (2021): Jurnal Ekonomi : Journal of Economic
Publisher : Lembaga Penerbitan Unversitas Esa Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/jeko.v12i02.4373

Penelitian dilakukan untuk mengidentifikasi pengaruh produk hijau dan citra merek hijau terhadap minat beli produk hijau pada produk kecantikan. Isu lingkungan hidup disertai berbagai kampanye dan instruksi pemerintah dalam pengelolaan kerusakan lingkungan hidup mendorong preferensi konsumen dan produsen untuk mengkonsumsi dan memproduksi produk berkonsep ramah lingkungan. Keterbatasan penelitian dan kontradiksi dari penelitian sebelumnya mendorong penulis untuk mengetahui pengaruh produk hijau, citra merek hijau dan minat beli produk hijau dalam tren pemasaran hijau yang sedang berkembang di Indonesia saat ini. Data yang digunakan adalah data primer dengan kuesioner yang dikumpulkan dari 120 responden di Jabodetabek. Teknik pengambilan sampel menggunakan metode non probability sampling dengan teknik purposive sampling yang kriteria sampel adalah perempuan berusia mulai dari 18 tahun, mengetahui dan menyukai produk perawatan kecantikan yang berhubungan dengan produk hijau. Hasil penelitian menunjukkan bahwa produk hijau dan citra merek hijau akan bersama-sama mempengaruhi minat beli produk hijau dalam upaya pemasaran hijau. Sementara itu, hubungan antara produk hijau dan minat beli produk hijau perlu dimediasi oleh citra merek hijau. Hal ini memberikan masukan kepada produsen produk hijau khususnya pada industri perawatan kecantikan bahwa citra merek hijau menjadi hal yang penting dan krusial untuk menarik perhatian konsumen dalam rangka meningkatkan minat beli calon konsumen terhadap produk hijau. Kata kunci : produk hijau, citra merek hijau, minat beli produk hijau

Diversitas Dewan Direksi dan Pengaruhnya terhadap Kinerja Bank: Studi Empiris pada Perbankan di Indonesia Jul Aidil Fadli; Tyasa Carolina
INDONESIAN JOURNAL OF ACCOUNTING AND GOVERNANCE Vol 5, No 2 (2021): DEC
Publisher : Universitas Agung Podomoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36766/ijag.v5i2.228

The importance of banking for the economy of a country and even the world, demands the skills of the board of directors in the banking industry who are qualified in managing companies and competing in changing economic situation. The diversity of gender, level of education and tenure in office will influence their interpretation of the situation at hand and influence their strategic decisions. This study will focus on the diversity of characteristics of the board of directors in terms of the presence of female directors in the structure of the board of directors, tenure, and education level of the board of directors and their influence on company outcomes which are conceptually reviewed based on previous studies.

SHOULD BANK DIVERSIFY THEIR INCOME AND CREDIT? EVIDENCE FROM INDONESIA BANKING INDUSTRY Jul Aidil Fadli
KINERJA Vol. 23 No. 1 (2019): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v23i1.2124

This study aims to examine the effect of income and credit diversification toward bank risk and performance. In this study, diversification was measured using Adjusted Herfindahl-Hirschman Index (AHHI). Bank risk is measured by the standard deviation of ROA, standard deviation of ROE, Z-Score, Nonperforming Loan and Beta. Meanwhile, bank performance is measured by Return on Assets, Return on Equity, risk adjusted ROA and risk adjusted ROE. The robustness test completes this study by dividing the sample into low and high diversified bank. By using panel data of 53 listed and non listed Indonesian banks from 2011 to 2015, the results show that banks get benefit through the implementation of income diversification. Conversely, banks are badly affected through the implementation of loan diversification as it can increase risk and decrease bank performance. The results suggest bank to maximize income diversification by increasing the proportion of non-interest income in the income structure. Furthermore, banks should focus credit distribution that best suits their capabilities.Keywords: bank, credit, diversify, interest income

THE EFFECT OF CELEBRITY ENDORSEMENT CREDIBILITY ON PURCHASE INTENTION IN PREMIUM PRICE FOOD Hafifah Rahmanisah; Jul Aidil Fadli
JURNAL TERAPAN MANAJEMEN DAN BISNIS Vol 8, No 1 (2022): VOLUME 8 NUMBER 1 (2022)
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/jtmb.v8i1.3183

The purpose of the study was to examine the dimensions that build celebrity endorsement credibility, as well as the impact of celebrity endorsement credibility on purchase intention and willingness to buy at a premium price on food products. The survey was conducted on 125 respondents, then Structural Equation Model Partial Least Square analysis was employed to determine the level of significance and the relationship between variables. The result shows that the trustworthiness, expertise, and attractiveness of the endorser can form celebrities’ credibility. Furthermore, the credibility of celebrity endorsements can increase purchase intention and consumers' willingness to buy at a premium price. This research can guide celebrities, especially in the context of social media, to promote their endorsed products.

The Effect of Good Corporate Governance and Financial Performance on Company Value Ray Farandy Suhardi; Jul Aidil Fadli
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 2 No. 4 (2021): OKTOBER
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v2i4.269

This study aims to determine and analyze the effect of good corporate governance and financial performance on firm value. The population used in this study are manufacturing companies in the food and beverage sector which are listed on the Indonesian stock exchange in 2015-2019. The sample in this study was selected using purposive sampling method with predetermined criteria in order to obtain as many as 10 samples. The analytical method used is descriptive statistical test analysis and hypothesis testing using multiple linear regression analysis. The results of the study show that good corporate governance and financial performance together have an influence on firm value. The results of the partial test showed that there was no effect between the number of independent commissioners on firm value, while the number of female board of directors and financial performance had an effect on firm value.

The Effect of Good Corporate Governance and Financial Performance on Company Value Ray Farandy Suhardi Suhardi; Jul Aidil Fadli
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 1 No. 2 (2021): DESEMBER
Publisher : Penerbit ADM Bengkulu

This study aims to determine and analyze the effect of good corporate governance and financial performance on firm value. The population used in this study are manufacturing companies in the food and beverage sector which are listed on the Indonesian stock exchange in 2015-2019. The sample in this study was selected using purposive sampling method with predetermined criteria in order to obtain as many as 10 samples. The analytical method used is descriptive statistical test analysis and hypothesis testing using multiple linear regression analysis. The results of the study show that good corporate governance and financial performance together have an influence on firm value. The results of the partial test showed that there was no effect between the number of independent commissioners on firm value, while the number of female board of directors and financial performance had an effect on firm value.

Peer-To-Peer Lenders and Banks: Compete or Complement? A Position Paper Jul Aidil Fadli
Jurnal Informatika Ekonomi Bisnis Vol. 4, No. 4 (December 2022)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v4i4.207

This paper is a position paper that aims to identify whether the presence of P2P lending is a problem for banking companies or vice versa. We answer this question through three approaches: in terms of business models, SWOT analysis, the risks faced by them, and market segmentation. Our identification shows that due to its easy communication channel (the Internet) and affordable infrastructure, P2P lenders are a competitive rival. P2P lenders should move to a niche market that is still available, namely SME financing. These SMEs are then expected to become more mature and bankable so that they can get financing from banks to grow bigger. They have qualified capabilities for this segment and capable technology. This could be their competitive advantage over banks. Banks operate in safe segments for them to avoid bank panics, bank runs, and economic instability. Meanwhile, banks can engage in other market segments, such as housing finance, commercial, and corporate financing. This synergy will have a harmonious impact on economic progress.

Kepemilikan Pemerintah, Kepemilikan Asing Dan Perilaku Pengambilan Risiko Bank Dengan Pendekatan Z-Score Imanuel Madea Sakti; Jul Aidil Fadli
Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 6 No. 1 (2021): APRIL 2021
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v6i1.917

Penelitian ini bertujuan untuk menguji pengaruh kepemilikan pemerintah dan asing terhadap perilaku pengambilan risiko bank dengan menggunakan pendekatan Z-score. Penelitian ini menggunakan data dari 76 bank umum konvensional di Indonesia selama periode 2012-2018. Variabel dependen perilaku pengambilan risiko bank diukur menggunakan Z-Score. Variabel independen kepemilikan bank diukur menggunakan proporsi pemegang saham pemerintah dan asing. Variabel kontrol adalah ukuran bank, likuiditas bank, efisiensi operasional bank, umur bank, dan produk domestik bruto. Terakhir, dalam robustness test, penelitian ini membagi sampel berdasarkan dummy kepemilikan untuk melihat peran kepemilikan pemerintah dan asing pada bank pemerintah dan swasta (domestik dan asing). Hasil menunjukkan bahwa kepemilikan pemerintah tidak terbukti dalam mengurangi perilaku pengambilan risiko bank, sebaliknya, kepemilikan asing terbukti dalam meningkatkan perilaku pengambilan risiko bank pada seluruh sampel dan sampel bank swasta.

The Effect of Good Corporate Governance and Financial Performance on Company Value Ray Farandy Suhardi; Jul Aidil Fadli
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 1 No. 2 (2021): DESEMBER
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v1i2.253

This study aims to determine and analyze the effect of good corporate governance and financial performance on firm value. The population used in this study are manufacturing companies in the food and beverage sector which are listed on the Indonesian stock exchange in 2015-2019. The sample in this study was selected using purposive sampling method with predetermined criteria in order to obtain as many as 10 samples. The analytical method used is descriptive statistical test analysis and hypothesis testing using multiple linear regression analysis. The results of the study show that good corporate governance and financial performance together have an influence on firm value. The results of the partial test showed that there was no effect between the number of independent commissioners on firm value, while the number of female board of directors and financial performance had an effect on firm value.

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