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All Journal ETIKONOMI Jurnal Keuangan dan Perbankan JDM (Jurnal Dinamika Manajemen) JEJAK Journal of Economics, Business, & Accountancy Ventura Jurnal Manajemen Teori dan Terapan AFRE Accounting Financial Review Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan NISBAH: JURNAL PERBANKAN SYARIAH Jurnal Akuntansi dan Bisnis Journal of Islamic Monetary Economics and Finance MANAJEMEN DEWANTARA Sebelas Maret Business Review International Journal of Economics, Business and Accounting Research (IJEBAR) The Indonesian Journal of Accounting Research Journal of Management and Entrepreneurship Research Indonesian Capital Market Review Jurnal Manajemen dan Pemasaran Jasa
Irwan Trinugroho, Irwan
Universitas Sebelas Maret
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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THE WORKING CAPITAL, INVESTMENT, THIRD PARTY FUND ON OUTSTANDING FINTECH WITH CREDITOR GROWTH AS MODERATOR Rinofah, Risal; Sari, Pristin Prima; Pratama, Yhoga Heru; Trinugroho, Irwan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15628

Abstract

The research aims to empirically examine the influence of working capital financing, investment and third party funds on Fintech Outstanding with Credit Growth Moderators in 2020-2023. Multiple Linear Regression Method with SPSS IBM 20 analysis tool. The significance level of the accepted research hypothesis is 5%. The research sample uses data from the My Data application in Yogyakarta online from the OJK. The benefit of the research is that investors can consider investing in Fintech Lending companies, for Fintech Company management it is to consider flexibility in credit conditions for MSMEs to increase Fintech Outstanding. The results of the research are that working capital credit has a significant effect on outstanding fintech but investment credit, deposits and creditor growth do not have a significant effect on outstanding fintech. Creditor growth was unable to significantly moderate working capital and investment in outstanding fintech. Keywords : Creditor, Fintech, Investment, Third Party fund, Working Capital.
THE WORKING CAPITAL, INVESTMENT, THIRD PARTY FUND ON OUTSTANDING FINTECH WITH CREDITOR GROWTH AS MODERATOR Rinofah, Risal; Sari, Pristin Prima; Pratama, Yhoga Heru; Trinugroho, Irwan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15628

Abstract

The research aims to empirically examine the influence of working capital financing, investment and third party funds on Fintech Outstanding with Credit Growth Moderators in 2020-2023. Multiple Linear Regression Method with SPSS IBM 20 analysis tool. The significance level of the accepted research hypothesis is 5%. The research sample uses data from the My Data application in Yogyakarta online from the OJK. The benefit of the research is that investors can consider investing in Fintech Lending companies, for Fintech Company management it is to consider flexibility in credit conditions for MSMEs to increase Fintech Outstanding. The results of the research are that working capital credit has a significant effect on outstanding fintech but investment credit, deposits and creditor growth do not have a significant effect on outstanding fintech. Creditor growth was unable to significantly moderate working capital and investment in outstanding fintech. Keywords : Creditor, Fintech, Investment, Third Party fund, Working Capital.
Implementation of digital marketing in open and distance learning universities in Indonesia Wiradharma, Gunawan; Trinugroho, Irwan; Prasetyo, Mario Aditya; Arisanty, Melisa
Jurnal Manajemen dan Pemasaran Jasa Vol. 18 No. 1 (2025): Maret
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v18i1.19551

Abstract

In higher education, particularly within open and distance learning environments such as Universitas Terbuka, integrating digital marketing tools such as e-commerce, social media, and marketplaces is pivotal. These tools play a crucial role in enhancing brand awareness and engaging students. This study explores the strategic application of digital marketing in overcoming barriers traditionally associated with distance learning. A case study methodology was employed to provide an in-depth analysis of digital marketing practices at Universitas Terbuka, using thematic analysis to interpret data gathered from various digital marketing channels. The research identifies three primary facets of digital marketing implementation: search engine optimization, social media engagement, and video marketing. Key challenges include inadequate internet access, limited availability of technological devices, deficits in content creation skills, misalignment of human resources qualifications, and prohibitive advertising costs. This study offers insights into the effective use of digital marketing to improve accessibility and educational delivery in open universities.
Islamic Label and Stock Price Crash Risk Sutrisno, Bambang; Trinugroho, Irwan; Arifin, Taufiq; Risfandy, Tastaftiyan
Journal of Islamic Monetary Economics and Finance Vol. 11 No. 2 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v11i2.2661

Abstract

This study explores how an Islamic label on firms influences stock price crash risk in Indonesia. We utilize a sample of 566 nonfinancial firms listed between 2016 and 2021, apply panel data method, and find that the Islamic label benefits the firms by lowering crash risk. Investors consider firms with the Islamic label as lower risk due to leverage constraints they must adhere to, which contributes to a decreased crash risk. Our primary results are robust to various sensitivity analyses. We also find that dividend policy and audit quality strengthen the Islamic label-crash risk nexus. The COVID-19 pandemic weakens the link between the Islamic label and crash risk. Furthermore, the Islamic label-crash risk nexus persists for up to two years.  
Overcoming Barriers to Digital Payment: Insights from QRIS Adoption in Rural West Sulawesi Purbowo, Gunawan; Trinugroho, Irwan
Journal of Management and Entrepreneurship Research Vol. 6 No. 1 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.6.06.1-58

Abstract

Objective: We examine the key factors influencing QRIS adoption in rural West Sulawesi, focusing on access to information, infrastructure availability, user perceptions, and financial literacy. Research Design & Methods: We applied a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze survey data from 410 respondents. Constructs were based on the Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT). Findings: We found that QRIS adoption is significantly influenced by access to information, infrastructure, and user perceptions. While financial literacy does not have a significant direct effect. Among the control variables, age and education show significant positive relationships with adoption, whereas gender and spending levels have no direct impact. Implications and Recommendations: Improving ICT infrastructure and promoting targeted information campaigns can enhance QRIS adoption. Policymakers should leverage community leaders and educational programs to build trust and positive perceptions, while focusing on younger and educated demographics to act as digital ambassadors. Contribution & Value Added: Our research highlights the critical role of infrastructure, social influence, and user perceptions over financial literacy in driving digital payment adoption, providing actionable insights for enhancing financial inclusion in rural contexts.
FINTECH LENDING DEVELOPMENT, RURAL BANK PERFORMANCE, AND COLLABORATION POTENTIAL: RURAL BANKS PERSPECTIVE Hermawati, Nofa; Trinugroho, Irwan
MANAJEMEN DEWANTARA Vol 8 No 1 (2024): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v8i1.15984

Abstract

The rapid development of information technology has brought the presence of fintech to the financial industry, which in turn has had a disruptive effect on banks that still run the business in traditional way, especially the rural banks that have a similar market share and relatively smaller resources. This study aims to examine the impact of fintech lending development on the rural bank performance and the potential for collaboration between fintech companies and rural banks in the Greater Solo Region based on rural banks’ perspective. The research uses primary data obtained from questionnaire survey that are analyzed by using an in-depth descriptive statistics and multiple linear regression analysis. The study discovers that the development of fintech lending in the Greater Solo area is considerably not really significant according to the rural banks’ perceptions. Furthermore, this research finds that the development of fintech lending has a negative effect on rural bank performance and a positive effect on the potential for collaboration between fintech companies and rural banks. This research contributes to providing recommendations for fintech companies and rural banks in building partnerships and for regulators in overseeing such collaborations to increase financial inclusion in Indonesia as a whole.
The Nexus among Green Financing: Companies in G20 Emerging Market Countries Imamah, Nur; Trinugroho, Irwan; Arifin, Layyin Nafisa; Fahri, Luki Okta
ETIKONOMI Vol. 24 No. 2 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v24i2.45322

Abstract

Research Originality: This study addresses this urgent research gap by examining not only these relationships but also the underexplored role of national R&D capacity as a moderating factor, highlighting how emerging economies' innovation limitations may dilute the benefits of green capital inflows. Research Objectives: This study analyzed the impact of green financing and FDI on firm profitability and productivity in G20 emerging markets, and assess how R&D expenditure moderates these effects. Research Method: Panel data from 57 multinational companies across ten G20 emerging market countries during 2016–2021 were analyzed using fixed-effect regression. Empirical Results: Green financing and FDI both show significant positive impacts on firm profitability and productivity. However, R&D negatively moderates the green finance–profitability link and has no significant moderating effect on productivity or the FDI relationship, suggesting structural inefficiencies in R&D systems within emerging economies. Implications: The findings call for urgent policy interventions to enhance R&D infrastructure and efficiency in G20 emerging markets. Redirecting subsidies from fossil fuels to green innovation, fostering public-private R&D collaboration, and strengthening institutional frameworks can help unlock the full potential of green finance and FDI in supporting a sustainable economic transformation. JEL Classification: Q5, G3, F2
LITERASI KEUANGAN DIGITAL UNTUK MENDORONG WIRAUSAHA BERBASIS DIGITAL Saputro, Nugroho; Indra Purnama, Muhammad Yusuf; Nugroho, Linggar Ikhsan; Toro, Muh Juan Suam; Pamungkas, Putra; Prameswari, Agista Putri; Trinugroho, Irwan
MANAJEMEN DEWANTARA Vol 7 No 1 (2023): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26460/md.v7i1.13606

Abstract

Digital-based financial innovation has grown rapidly in recent times along with internet and smartphone penetration. The emergence of fintech and the existence of digital-based innovations carried out by incumbents in the financial services sector, in this case banking, are expected to increase financial inclusion. Furthermore, financial inclusion will encourage the growth of the real sector through increasing new entrepreneurs and also increasing the scale of existing micro and small businesses so that it will ultimately drive economic output growth. However, to achieve this goal, joint efforts are needed to increase the digital financial literacy of the community, especially the younger generation so that digital financial presence can be used for productive activities. This article discusses community service programs within the framework of developing digital financial literacy to encourage the growth of new entrepreneurs and increase the scale of existing micro and small businesses, especially by utilizing technology..
Is the effect of a political event more pronounced for government controlled firms? Trinugroho, Irwan; Fajrin, Aurio; Sutaryo, Sutaryo
Journal of Economics, Business, and Accountancy Ventura Vol. 19 No. 2 (2016): August - November 2016
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v19i2.629

Abstract

This study investigates market reaction to a political event, which is the presidential election of Republic of Indonesia in 2014 by studying 387 publicly traded firms in the Indonesia Stock Exchange. It employs event study method to measure the information content of this event. By going deeper, this study looked at the effect difference between government controlled firms (partially privatized firms) and private firms. The results show that there was a significant abnormal return around the event date. The negative abnormal return one day before the election date, which was followed by rebounding one day after the event, indicate that investors consider that the election had been done well particularly with respect to the political stability and security. Moreover, this paper reveals that the effect of presidential election is more pronounced for government-controlled firms than private firms. Government controlled firms may be more susceptible to political event.
Human Development, Banking Development and the Quality of Local Government: The Case of Indonesia Cahyaningsih, Dewanti; Trinugroho, Irwan
Journal of Economics, Business, and Accountancy Ventura Vol. 20 No. 1 (2017): April - July 2017
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i1.843

Abstract

We extend the study of Trinugroho et al. (2015) by focusing on the effect of human development on banking development and the moderating effect of the quality of local government on the link between human development and banking development. We use unique data set by disentangling the type of banks (commercial bank, rural bank, and the total of both) to measure financial development. This research uses panel data at the provincial level for the period of 2010-2014. Generally, it could be concluded that human development has positive effect on banking development. To some extent, the quality of local government is found to strengthen the impact of human development on banking development.  
Co-Authors Agista Putri Prameswari Agung Nur Probohudono Aina Mardiya Aldy Fariz Achsanta Ariefianto, Moch. Doddy Ariefianto, Mochammad Doddy Arifin, Layyin Nafisa Arifin, Layyin Nafisa Arifin, Taufiq Aurio Fajrin Bambang Sutrisno Bany Ariffin Amin Noordin Cahyaningsih, Dewanti Chee, Hong Kok Darmawan, Ari Dewanti Cahyaningsih Doddy Setiawan Doddy Setiawan Fahri, Luki Okta Fajrin, Aurio Fitri Susilowati Hermawati, Nofa Hong Kok Chee Hunik Sri Runing Sawitri Imamah, Nur Indra Purnama, Muhammad Yusuf Junivar, Mutiara Syahada Koesoemasari, Dian Safitri Pantja Krissanti, Aurence Dea Lian Kee Phua Linggar Ikhsan Nugroho Melisa Arisanty Moch. Doddy Ariefianto Muh Juan Suam Toro Muhammad Agung Prabowo Muhammad Yusuf Indra Purnama Muthmainah Muthmainah Muthmainah Muthmainah Mutiara Nur Hafidiyah, Mutiara Nur Nugroho Saputro Nugroho Saputro, Nugroho Nugroho, Linggar Ikhsan Nur Imamah Oviwasat Nawacatur Pamungkas, Putra Phua, Lian Kee Prameswari, Agista Putri Prasetyo, Mario Aditya Pratama, Yhoga Heru Purbowo, Gunawan Putra Pamungkas Qushoyyi, Muhammad Ahnaf Ammar Risal Rinofah Risal Rinofah, Risal Sari, Pristin Prima Sevanrhoo Noya Dean Tanardi Soni Prima Nugroho Suryanto - Suryanto Sutaryo Sutaryo Sutaryo Sutaryo Sutaryo Sutaryo Tastaftiyan Risfandy, Tastaftiyan TAUFIK ARIFIN Taufiq Arifin Toro, Muh Juan Suam Tulus Haryono Wiradharma, Gunawan Wisnu Untoro wisnu untoro, wisnu