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All Journal Jurnal Paradigma Ekonomika JURNAL PEMBANGUNAN DAN KEUANGAN DAERAH Syntax Literate: Jurnal Ilmiah Indonesia JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Ihtifaz: Journal of Islamic Economics, Finance, and Banking Gema Wiralodra Dinasti International Journal of Education Management and Social Science Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Indonesian Capital Market Review Jurnal Pendidikan Indonesia (Japendi) Eduvest - Journal of Universal Studies
Hanggraeni, Dewi
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Aerospace Engineering Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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Operational Risk and Bank Profitability: Analyzing BOPO and Efficiency Ratios in Indonesian Commercial Banks Irawan, Panji; Damayanti, Evita; Putri Pratama, Riza; Denita Siagian, Lina; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6775

Abstract

The banking industry has a crucial role in the financial stability of a country. In this context, operational risk management is an important factor that affects the profitability of banks. This study aims to analyze the relationship between operational risk, which is measured using Operating Costs to Operating Income (BOPO) and Efficiency Ratio, on the profitability of commercial banks in Indonesia represented by Return on Assets (ROA). This study uses panel data from 49 commercial banks in Indonesia during the period Q3 2012 to Q3 2024. The analysis was carried out using  the Ordinary Least Squares (OLS), Fixed Effects, and Random Effects methods  to identify the impact of operational risks on profitability. The results show that BOPO and Efficiency Ratio have a significant negative influence on ROA. This indicates that increased operational risk, both through cost efficiency and asset efficiency, can reduce bank profitability. In addition, macroeconomic variables such as Gross Domestic Product (GDP) and bank-specific variables such as Non-Performing Loans (NPLs) were also found to have a significant effect on ROA. This study emphasizes the importance of implementing effective operational risk management strategies to improve bank financial performance. This study contributes by providing empirical evidence on the relationship between operational risk and profitability in the context of Indonesian banking, and offers recommendations for strengthening operational risk management through cost efficiency, regulatory compliance, and strengthening internal oversight.
The Impact of Digital Transformation on Organizational Performance and Operational Risks in Banking Sector Haryanti, Rika Ayu; Anugrah, Bimo; Gustama, Abi; Farid Rahmadani, Dwi; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6776

Abstract

This study examines the impact of digital transformation (DT) on organizational performance and operational risks in the banking sector. Internal factors analyzed include communication, comprehension of DT, operational technology readiness, process complexity, risk monitoring, and operational risk training, while external factors encompass regulatory compliance, digital experience, budget constraints, and cyber resilience. Using fuzzy-set qualitative comparative analysis (fsQCA) on survey data from 100 Indonesian banking professionals, the findings highlight the critical role of risk monitoring and operational technology readiness among internal factors, and cyber resilience and budget allocation among external factors. The interplay of these elements, such as combining risk monitoring with cyber resilience, is key to optimizing performance and mitigating risks. This study provides actionable insights for practitioners, policymakers, and scholars, emphasizing the alignment of internal capabilities with external demands. It highlights the importance of streamlined processes, cybersecurity frameworks, and supportive regulations for sustainable DT. While limited by sample size and subjective data, the research identifies opportunities for future studies, including cross-sectoral analyses and the use of objective performance metrics.
The Influence of ESG on Operational Risk of Bank Issuers in Indonesia for the Period of 2019 – 2023 Mukti, Rizky Jati; Handi, Handi; Nuswantoro, Kresna; Jemitra, Jemitra; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6777

Abstract

This study investigates the relationship between environmental, social, and governance (ESG) scores and operational risk of banks in Indonesia. Using panel data from 17 bank issuers in Indonesia during the period 2019–2023 with a dynamic panel regression approach, the results showed that ESG scores did not have a significant influence on operational risk, although the coefficients showed indications of a negative relationship. These findings reflect the limited implementation of ESG in Indonesia's banking sector and the lack of uniform reporting standards and supporting infrastructure. In contrast, internal variables such as bank size (SIZE), profitability (ROA), and equity (ROE) show a significant relationship with operational risk. Bank size is negatively correlated with operational risk, while profitability shows a significant positive correlation. This study provides new insights into the importance of managing internal factors in mitigating operational risks, as well as highlighting the need to strengthen ESG regulations in Indonesia to improve the sustainability of the banking sector
Unusual Market Activity Impact on Abnormal Liquidity Risk, Abnormal Volatility, and Abnormal Return in Indonesia Capital Market Kurnia Putri, Famy; Christina Pasaribu, Maria; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 7 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i7.7711

Abstract

This study aims to analyze the influence of the management control system consisting of enabling control and constraining control on organizational performance and management innovation in heavy equipment and truck companies operating in North Kalimantan. Management control systems that involve enabling controls that encourage organizational creativity and development, as well as constraining controls that provide constraints to ensure efficient operations, are analyzed to see their impact on management innovation and organizational performance. This study uses a quantitative descriptive approach by collecting primary data through a survey of 57 supervisors in 10 relevant companies. The data was analyzed using the Structural Equation Modeling (SEM) method with PLS 4 software. The results of the study show that enabling control has a significant positive influence on organizational performance, while constraining control, both through a limitation system and diagnostic control, has a negative effect on organizational performance, although the diagnostic control system plays a positive role in encouraging management innovation. These findings indicate that to improve organizational performance, companies need to make more intensive use of enabling controls, while considering the implementation of diagnostic control systems that can support innovation
Korelasi Karakteristik Individu dan Pemahaman Literasi Keuangan Serta Pengaruhnya Terhadap Profil Risiko Individu Dalam Berinvestasi Hafidzoh, Qonitatun; Irwansyah, Muh Zuhdi; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 5 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i5.7744

Abstract

Tingkat literasi keuangan masyarakat Indonesia masih menunjukkan kesenjangan yang signifikan dibandingkan dengan tingkat inklusi keuangan, berpotensi menyebabkan keputusan investasi yang tidak optimal. Penelitian ini bertujuan untuk menganalisis hubungan antara karakteristik individu—seperti usia, pendidikan, dan penghasilan—dengan pemahaman literasi keuangan serta pengaruhnya terhadap profil risiko investasi. Penelitian menggunakan pendekatan deskriptif kuantitatif dengan penyebaran kuesioner kepada 111 responden investor di Indonesia yang dipilih secara purposive. Instrumen kuesioner dikembangkan berdasarkan indikator literasi keuangan dari Remund (2010) dan Widayat (2010), kemudian diuji validitas dan reliabilitasnya. Analisis dilakukan menggunakan korelasi Pearson dan uji ANOVA. Hasil penelitian menunjukkan bahwa usia dan tingkat pendidikan tidak memiliki korelasi signifikan terhadap literasi keuangan, sedangkan penghasilan menunjukkan korelasi positif signifikan (r = 0,2194; p < 0,05). Literasi keuangan juga terbukti berpengaruh signifikan terhadap profil risiko investasi individu (r = 0,416; p < 0,01). Temuan ini menegaskan bahwa faktor ekonomi, bukan demografis, lebih menentukan tingkat pemahaman literasi keuangan dan strategi investasi individu. Implikasi praktisnya, perlu adanya program literasi keuangan yang disesuaikan dengan kondisi ekonomi masyarakat, serta integrasi pendidikan finansial dalam kurikulum formal dan layanan edukasi oleh lembaga keuangan. Penelitian ini memberikan kontribusi baru dalam pemetaan hubungan literasi keuangan dengan profil risiko investor di pasar modal Indonesia.
Corporate Governance and Corporate Performance: Tobin's Q Analysis on Financial Sector Companies on the Indonesia Stock Exchange Rahman, Fadli; Tamala, Putri; Hanggraeni, Dewi
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v10i5.58703

Abstract

This study examines the effect of the corporate governance mechanism (insider shareholding, board size, and institutional ownership) on firm performance measured by Tobin’s Q in financial sector companies listed on the Indonesia Stock Exchange (IDX) in 2023. Using a sample of 99 companies and secondary data from Bloomberg, the study employs multiple linear regression to analyze the relationship between governance variables and market performance. The results show that none of the three governance variables has a statistically significant effect on Tobin’s Q. These findings suggest that traditional internal governance mechanisms may not significantly influence firm market value in Indonesia’s financial sector context. The study contributes to the corporate governance literature by providing empirical evidence from a developing country and recommends exploring additional factors such as executive compensation and investor sentiment in future research.
Mendorong Pertumbuhan Ekonomi 8% Melalui Pasar Modal Indonesia Alam, Dipo; Kurniawan, Adithya; Hanggraeni, Dewi
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v10i5.58706

Abstract

Pasar modal Indonesia memiliki peran strategis dalam mendukung pertumbuhan ekonomi melalui peningkatan investasi dan pendanaan untuk perusahaan. Penelitian ini bertujuan untuk menganalisis pengaruh kapitalisasi pasar, penerbitan obligasi, inflasi, dan nilai tukar terhadap pertumbuhan ekonomi Indonesia. Menggunakan model regresi linier, penelitian ini mengidentifikasi hubungan antara variabel-variabel tersebut dan pertumbuhan ekonomi, yang diukur dengan logaritma Produk Domestik Bruto (lnGDP). Hasil analisis menunjukkan bahwa kapitalisasi pasar memiliki pengaruh positif dan signifikan terhadap pertumbuhan ekonomi dengan koefisien sebesar 0,0015 dan p-value 0,0000. Sebaliknya, penerbitan obligasi memiliki pengaruh negatif terhadap pertumbuhan ekonomi, dengan koefisien sebesar -0,0442 dan p-value 0,0000, yang mengindikasikan bahwa peningkatan penerbitan obligasi yang tidak terkelola dengan baik dapat menurunkan stabilitas ekonomi. Inflasi menunjukkan hubungan positif terhadap pertumbuhan ekonomi, dengan koefisien 0,3758 dan p-value 0,0084, sedangkan nilai tukar tidak memiliki pengaruh signifikan. Temuan ini menunjukkan bahwa penguatan kapitalisasi pasar dan pengelolaan obligasi yang lebih bijaksana dapat meningkatkan efektivitas pasar modal dalam mendukung pertumbuhan ekonomi. Oleh karena itu, kebijakan yang mendukung penguatan pasar modal dan pengelolaan instrumen keuangan secara optimal sangat diperlukan untuk menciptakan ekonomi yang stabil dan berkelanjutan.
Analisis Pengaruh Insider Trading Terhadap Pergerakan Harga Saham pada Indeks Lq45 Bursa Efek Indonesia Wilopo, Rinaldi; Hanggraeni, Dewi
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v10i5.59313

Abstract

Fenomena insider trading yang melibatkan informasi material yang belum tersedia untuk publik dapat menciptakan ketidakseimbangan informasi dan memengaruhi pergerakan harga saham. Namun, efektivitas aktivitas insider trading sebagai sinyal prediktif terhadap return saham di pasar modal Indonesia, khususnya pada saham-saham dalam indeks LQ45, masih belum jelas dan perlu dianalisis lebih lanjut. Penelitian ini bertujuan untuk mengkaji pengaruh aktivitas insider trading terhadap return saham periode berikutnya pada perusahaan konstituen indeks LQ45 di Bursa Efek Indonesia. Metode yang digunakan adalah regresi linier berganda dengan data transaksi insider trading dan return saham bulanan selama Januari 2021 hingga Maret 2025, serta variabel kontrol berupa EPS, PBV, dan return pasar. Hasil analisis menunjukkan bahwa nilai transaksi insider trading tidak berpengaruh signifikan terhadap return saham, sementara volume transaksi insider trading menunjukkan hubungan negatif signifikan dengan return saham ketika kategori insider dipisahkan. Temuan ini mengindikasikan bahwa aktivitas insider trading tidak selalu mencerminkan perubahan fundamental perusahaan, melainkan juga dipengaruhi faktor lain seperti kebutuhan likuiditas. Implikasi penelitian ini adalah perlunya kehati-hatian dalam menafsirkan aktivitas insider trading dan peninjauan kembali regulasi pengawasan insider trading. Penelitian selanjutnya disarankan untuk memisahkan analisis transaksi beli dan jual serta memperluas sampel penelitian.
Co-Authors Akbar, Lolita Ananda Raf’i, Muhammad Anita, Vera Anugrah, Bimo Arief Hadiwibowo Arum Handayani, Gabriela Ayu Nindita, Safira Christina Pasaribu, Maria Damayanti, Evita Darmawan, Rahmat Dimas Denita Siagian, Lina Dipo Alam, Dipo Fadli Rahman, Fadli Farid Rahmadani, Dwi Febriyanti, Laksmita Fredrick Kaban, Ferry Galuh Savitri, Ardila Gustama, Abi Hafidzoh, Qonitatun HANDI, HANDI Hartini, Eka Rathmanty Merry Hartono, Cipto Haryanti, Rika Ayu Hidayat, Sofyan Irawan, Panji Irwansyah, Muh Zuhdi Jauhari, Tantowi Jemitra, Jemitra Junaidi, Wakhid Kurnia Putri, Famy Kurnia, Robby Kurniawan, Adithya Kurniawan, Ferdian Ari Kusumawardhani, Febriyati Kuswanto, Luna S. M. IQBAL ALFARISI Mujaddid Ahwali, Ahmad Mukti, Rizky Jati Naomi, Jane Nuswantoro, Kresna Pranata Ganda Dimulya, Aditya Putri Pratama, Riza Rahayu, Renata H. Rasyid, Huzaifah Ar Sijabat, Rizky A. Sinulingga, Grace Meintha Carolina Steven Steven Susanto, Philipus Syamsi, Rachmi Syamsi, Rachmii Tamala, Putri Triana, Dea R. Wilopo, Rinaldi Wowiling, Lucky G.