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All Journal Jurnal Pendidikan Vokasi Dinamika Pendidikan STRATEGIC Journal of Business Management Education (JBME) EKSPANSI Jurnal ASET (Akuntansi Riset) Jurnal Riset Akuntansi dan Keuangan Jurnal Pendidikan Akuntansi dan Keuangan Review of Islamic Economics and Finance Journal of Islamic Economics and Business Sharia Economic and Management Business Journal (SEMBJ) Journal Of Economic Sciences (Ekuisci)
Heraeni Tanuatmodjo
Universitas Pendidikan Indonesia
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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Likuiditas Bank Umum Syariah di Indonesia: Analisis Tingkat Kecukupan Modal, Tingkat Pembiayaan Bermasalah dan Inflasi Leni Nuraeni; Heraeni Tanuatmodjo; Aneu Cakhyaneu
Journal of Islamic Economics and Business Vol 1, No 1 (2021): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1138.974 KB) | DOI: 10.15575/.v1i1.13146

Abstract

Likuiditas Bank Umum Syariah selama enam tahun terakhir mengalami fluktuasi dan meningkat. Semakin tinggi tingkat likuiditas maka samakin tinggi keuntungan yang diperoleh bank, namun ketika tingkat likuiditas tinggi maka bank akan kesulitan dalam memperoleh cadangan kas karena bank banyak melakukan pembiayaan. Maka dari itu, likuiditas bank harus berada di tengahtengah artinya tidak terlalu kecil dan tidak terlalu besar. Penelitian ini bertujuan untuk melihat gambaran serta pengaruh tingkat kecukupan modal, tingkat pembiayaan bermasalah dan inflasi terhadap tingkat likuiditas Bank Umum Syariah di Indonesia periode 2014-2019. Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif kuantitatif. Populasi pada penelitian ini adalah Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK). Sampel penelitian berjumlah 12 Bank Umum Syariah yang diperoleh berdasarkan purposive sampling dengan periode penelitian selama enam tahun penelitian sehingga data observasi berjumlah 72. Data yang digunakan adala data sekunder. Teknik analisis statistik yang digunakan dalam penelitian ini adalah analisis regresi data panel dengan menggunakan Eviews 9. Variable dependen dalam penelitian ini adalah tingkat likuiditas dan variable independent dalam penelitian ini adalah tingkat kecukupan modal, tingkat pembiayaan bermasalah dan inflasi. Hasil penelitian ini menunjukan bahwa tingkat kecukupan modal berpengaruh terhadap tingkat likuiditas, tingkat pembiayaan bermasalah tidak berpengaruh terhadap tingkat likuiditas dan inflasi tidak berpengaruh terhadap tingkat likuiditas.Kata Kunci: Tingkat Kecukupan Modal, Tingkat Pembiayaan Bermasalah, Inflasi dan Tingkat Likuiditas
Market Share Industri Keuangan Non Bank (IKNB) Syariah Di Indonesia: Analisis Pengaruh Profitabilitas Dan Efisiensi Yayat Supriyatna; Heraeni Tanuatmodjo; Muhamad Arief Ramdhany; Imas Purnamasari
Jurnal Pendidikan Akuntansi & Keuangan Vol 11, No 1 (2023): JPAK : Jurnal Pendidikan Akuntansi dan Keuangan
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jpak.v11i1.53847

Abstract

This research aims to examine the picture and analyze the effect of profitability and efficiency on the market share of the Islamic Non-Bank Financial Industry (IKNB). The market share growth of the IKNB over the last three years has tended to increase. However, this increase is still below the expected target of 5%. The research method used in this research is descriptive and quantitative methods. The population in this research is the Islamic Non-Bank Financial Industry (IKNB) company. The method used for sampling in this study is purposive sampling with predetermined criteria. With a total sample of 6 Islamic Non-Bank Financial Industry (IKNB) companies. for 3 years with a total of 216 observation data. The data used is secondary data. Statistical analysis technique used in this research is panel data regression analysis with Eviews software version 9. The dependent variable in this study is market share and the independent variables in this study are profitability and efficiency. The results show that profitability and efficiency together affect the market share with a contribution of 26% and the remaining 74% is influenced by other factors not examined in this study. Partially, profitability has a negative and significant effect on market share. The implication of this research is that companies need to increase their profits by managing the assets produced to generate profits. Increased profits will affect the company's good performance so that it has implications for the company's market share.
Institutional Sustainability Development of Higher Education in Indonesia Nugraha Nugraha; Iqbal Lhutfi; Heraeni Tanuatmodjo; Fadli Agus Triansyah
Dinamika Pendidikan Vol 18, No 1 (2023): June 2023
Publisher : Fakultas Ekonomi, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/dp.v18i1.43814

Abstract

This study examines the seven primary dimensions of higher education sustainability: Curriculum, Research and Scholarship, Operation, Faculty Staff Development and Rewards, Outreach and Service, Student Engagement, and Administration-Mission Planning. Based on Cluster 1, 2, and 3. This study looked at 146 higher education institutions (HEIs). A survey of 146 university lecturers was used to gather data and calculate the contribution of each dimension, and we used Confirmatory Factor Analysis (CFA). We discovered that HEIs' sustainability is significantly determined by faculty staff development and rewards, administration, mission, and planning. However, the Curriculum and Research Scholarship sections were the weakest. Cluster 1 HEIs had the highest rate of institutional sustainability development, followed by Cluster 2 and 3, as expected. Cluster variability and patterns are also explored to reveal differences between variables. This paper presents a study of commonalities among several sets of learning outcomes for sustainable development in higher education and examples that might help HEIs choose acceptable learning outcomes for sustainable development. This paper is intended to stimulate conversation and forward-thinking, enriching a much-needed part of sustainability education.
Investment Decision Behavior Retirement Planning: An Analysis of Overconfidence Bias by Gender Tanuatmodjo, Heraeni; Heryana, Toni; Nugraha, N; Disman, D
Jurnal ASET (Akuntansi Riset) Vol 16, No 2 (2024): JURNAL ASET (AKUNTANSI RISET) JULI-DESEMBER 2024
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jaset.v16i2.70907

Abstract

The purpose of the study is to determine the effect of gender moderation which is moderated again by employee status (PNS and Non PNS Lecturers) on overconfidence bias in retirement planning.  This research is included in the type of cross sectional research and the method used is the explanatory method.  The research findings are gender and employee status (civil servant and non-civil servant lecturers) moderate the effect of overconfidence bias on retirement planning. If employee status is seen based on gender, the results do not affect retirement planning. Thus in making retirement planning, employee status affects retirement planning but is not determined by gender.  This overconfidence is often stronger based on gender and employment status. In practical terms, this means that retirement planning and investment decisions are influenced by gender, as men and women have different levels of confidence. This study places the status of lecturers based on gender in moderating overconfidence bias towards retirement planning as a novelty in this study. 
Investor Attention, Market Anomalies, and Listing Board Effects: Evidence from Indonesian Technology Stocks Heraeni Tanuatmodjo; Vena Melliyani; Yusuf Murtadlo; Imas Purnamasari
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2055

Abstract

Background: The persistent underperformance of Indonesian technology stocks between 2022–2024, marked by the dominance of negative abnormal returns, raises a compelling question about behavioral forces shaping price dynamics that deviate from fundamental values. This study examines the effect of digital investor attention on stock returns with the stock listing board as a moderating variable among technology-sector companies listed on the Indonesia Stock Exchange over 2020–2025. Method: Using purposive sampling, 29 technology firms were selected from 47 listed companies, yielding an unbalanced panel of 1,218 monthly observations. Investor attention was measured via the Search Volume Index (SVI) from Google Trends, while stock return was proxied by abnormal return computed using the Capital Asset Pricing Model. Moderated Regression Analysis was conducted using PROCESS Macro Hayes Model 1 in IBM SPSS Statistics 27. Results: Digital investor attention positively and significantly affects stock returns (β = 0.9610; t = 5.797; p < 0.05). The listing board does not independently affect returns but significantly weakens the investor attention–return relationship (β = −0.2326; t = −4.014; p < 0.05), with the strongest moderation on the Development Board (R² = 9.4%). Conclusion: These findings demonstrate that a stock exchange's board classification architecture shapes the degree to which attention-driven anomalies translate into abnormal returns. This study contributes novel empirical evidence on listing board classification as a moderating variable in the behavioral finance literature.
The Moderating Role of Financial Literacy and Gender on The Effect of Overconfidence And Present Bias on MSME Financial Decision-Making In Bandung City, Indonesia Heraeni Tanuatmodjo; Asep Kurniawan; Badria Muntashofi; Laely Purnamasari; Imas Purnamasari; Pitri Yanti
Jurnal Ekuisci Vol 3 No 6 (2026): Vol 3 No 6 July 2026
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/ekuisci.v3i6.1246

Abstract

Background. Behavioral finance research has so far focused largely on capital-market investors in developed countries, while understanding of how overconfidence and present bias shape the financial decisions of Micro, Small, and Medium Enterprise (MSME) owners in developing countries particularly the protective role of financial literacy and gender as moderators remains limited and yields inconsistent findings across contexts. Aims. This study addresses that gap by examining the effect of overconfidence and present bias on financial decision-making among 388 MSME owners in Bandung City, Indonesia, with financial literacy and gender as moderating variables. Methods. Using Moderated Regression Analysis (MRA), the results show that overconfidence (β=-0.324, p<0.001) and present bias (β=-0.581, p<0.001) both have a significant negative effect on the quality of financial decision-making. Result. Financial literacy moderates the effect of overconfidence (β=-0.026, p=0.035) but does not moderate the effect of present bias (p=0.999)  a pattern that contrasts with some findings among individual investors in Pakistan and Saudi Arabia. Gender is not found to moderate either relationship (p>0.05), diverging from the classic finding of Barber and Odean (2001) in the United States investor context. Conclusion. These findings indicate that the effectiveness of financial literacy as a protective factor is bias-specific rather than bias-general, with important implications for the design of financial literacy interventions for the MSME sector in developing countries.
Co-Authors Ahim Surachim, Ahim Aneu Cakhyaneu Aneu Cakhyaneu Asep Kurniawan Badria Muntashofi Disman, D Eded Tarmedi, Eded Fadli Agus Triansyah Fani Puspitasari Firmansyah Ghina Azizah Maudina Hanifah, Tania Nur Hardiana, R. Dian Heryana, Toni Imas Purnamasari Iqbal Lhutfi Irawan, Sopyan Khoirunnisa, Fairuz Kurniati, Fitrina Kussuma, Praja Kussuma, Praja Laely Purnamasari Leni Nuraeni Leni Yuliyanti, Leni Lestari, Keukeu Firda Lisnawati Lisnawati M. Arief Ramdhany Maula, Rita Nikmatul Maula, Sam Alpha Mayasari Mayasari, Mayasari Mulyadi, Ajang Mulyani, Heni Nita Yolanda Oktavia Fusen Nugraha Nugraha Nugraha, N Nugrahanti, Pipin Pitri Yanti Rangga Iskandar Vena Melliyani Widia Ayu Lestari Widjajanta, Bambang - Yayat Supriyatna Yusuf Murtadlo