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All Journal MIX : Jurnal Ilmiah Manajemen International Journal of Islamic Economics and Finance (IJIEF) JMM (Jurnal Masyarakat Mandiri) Stability: Journal of Management and Business Altasia : Jurnal Pariwisata Indonesia Jurnal Abdimas Mandiri Dinasti International Journal of Education Management and Social Science Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Sains Manajemen Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Journal of Accounting and Finance Management (JAFM) Jurnal Atma Inovasia eProceedings of Management Community Service Seminar and Community Engagement (COSECANT)
Fajra Octrina
Universitas Telkom
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : Jurnal Perspektif Pembiayaan dan Pembangunan Daerah

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Competitiveness of Indonesian banking industry based on commercial bank business group: Panzar Rosse Model Fajra Octrina; Rike Setiawati
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 7 No. 1 (2019): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (794.324 KB) | DOI: 10.22437/ppd.v7i1.7475

Abstract

The present research was aimed to investigating the competitiveness in Indonesian banking sector during the period of 2005 to 2016, to set the limit of the scope of the study a total sample is 84 banks. This research was conducted by grouping banks based on ownership and based on BUKU (General Bank based on Business Activities). The study also aimed to analyze the banking competitiveness based on classification of banks and groups of capital ownership. The study was conducted by evaluating the value of H-statistic for the research model comprising of three input variables, namely funds, labors and capital. The results of the research show that the market of banking industry in Indonesia is classified as monopolistic competition. The limitation of this study is that this study only looks at the competition variable, and has not seen its relationship with other variables. In subsequent studies, it is expected to conduct research related to competition and relate it to other variables, such as market share or level of market concentration.
Productivity of Islamic Banking in Indonesia Fajra Octrina; Alia Gantina Siti Mariam
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 9 No. 1 (2021): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (899.848 KB) | DOI: 10.22437/ppd.v9i1.11041

Abstract

One measurement tool to increase banking performance, especially Islamic banking, is from the productivity side. Productivity measurement is done to determine how far a bank can run its operational activities by minimalizing input and maximalizing output results. This study aims to analyze the productivity level of Islamic Banking in Indonesia. The research sample was 11 Islamic banks from 2010 to 2019. Data obtained through financial statements and then divided into input and output variables. The productivity measurement technique by using Malmquist Index. The research shows that Islamic banking productivity with a cost approach indicates that Islamic banking has achieved a productive stage. It is seen from the average TFPCH (Total Factor Productivity Change) score that is quite high. It indicates that the decrease in Indonesia's Islamic banking growth generally occurs due to technology change
Islamic bank efficiency: an efficiency method with SFA Fajra Octrina; Hariadi Eka Priatmojo
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 10 No. 6 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v10i6.18250

Abstract

Judging from the financial ratios, the performance of Islamic banking in Indonesia was remarkably stable both before and during the Covid-19 pandemic. However, another thing is whether this condition could make Islamic banks continue to work effectively. This study aimed to measure the cost efficiency of Islamic commercial banks in Indonesia quarter I of 2019 – quarter IV of 2020 and analyze the influencing factors in cost efficiency. The study used a saturated sampling technique with a total sample of 14 Islamic commercial banks, while the efficiency level was determined using the Stochastic Frontier Analysis (SFA) method. It turns out that PT. Bank Muamalat Indonesia Tbk. has the highest efficiency value of 0.9284. Several banks with an efficiency value of more than 0.5 are PT. Bank Aceh Syariah, PT. Bank BNI Syariah, and PT. Bank Mega Syariah. In this study, only inflation variables affect efficiency. In contrast, bank size, Return on Assets (ROA), Net Operating Margin (NOM), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR) variables, Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), and the rupiah exchange rate don’t affect the efficiency. Overall, all the company's internal variables and environmental variables affect efficiency.
An analysis of bank productivity in Indonesia: The impact of P2P lending and digital payments using the Malmquist Productivity Index Octrina, Fajra; Eliza, Jihan; Jamilah, Almi; Dewi, Andrieta Shintia
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v13i1.40676

Abstract

This study investigates the relationship between technological adoption and banking productivity, specifically focusing on Indonesian banks over five years. Using the Malmquist Productivity Index (MPI), the study measures changes in productivity and identifies the variables that influence increases or decreases in performance. The findings reveal that P2P lending and digital payment innovations have a significant positive effect on enhancing bank productivity. Additionally, other bank-specific and macroeconomic variables were found to impact productivity levels. The results highlight the importance of continuous technological development and strategic operational improvements to sustain productivity growth. Based on these findings, it is recommended that banks intensify investments in financial technology, diversify their digital service offerings, and adapt operational models to reach broader market segments. Furthermore, regulatory bodies are encouraged to foster a competitive environment that promotes innovation while ensuring financial stability. These efforts are crucial to maintaining long-term efficiency and competitiveness in the banking sector.
Co-Authors Achmad Rizal Adhi Prasetio Aisah Asnawi Alia Gantina Siti Mariam Andrieta Shintia Dewi Asnawi, Aisah Asri, Jatnika Dwi Astrie Krisnawati Bayu Aji Prasetyo Brady Rikumahu Burhanuddin Aziz Della Rahma Vidya Hazlina Dien Rahmawati Eliza, Jihan Gantina Shiti Mariam, Alia Hariadi Eka Priatmojo Hilda Irni Yunita Jamilah, Almi Jatnika Dwi Asri Khairunnisa Khairunnisa May Swastawati Muhammad Iqbal Nora Amelda Rizal Pena Purba, Try Ratih Hendayani Ratna Komala Putri Rike Setiawati Rr Sri Saraswati Rr. Sri Saraswati Ruri Octari Dinata Tri Widarmanti Wahdan Arum Inawati Wahmisari Priharti Yohana Marnala Marpaung