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All Journal Jurnal Neutrino : jurnal fisika dan aplikasinya Publisia: Jurnal Ilmu Administrasi Publik Jurnal Keuangan dan Perbankan Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Riset Inspirasi Manajemen dan Kewirausahaan BUANA SAINS Pena Justisia: Media Komunikasi dan Kajian Hukum Devotion: Journal of Research and Community Service Jurnal Impresi Indonesia Journal of Social Research Jurnal Locus Penelitian dan Pengabdian Journal of Legal and Cultural Analytics (JLCA) Journal of Comprehensive Science Edunity: Kajian Ilmu Sosial dan Pendidikan Return : Study of Management, Economic and Bussines INJURITY: Journal of Interdisciplinary Studies Moneter : Jurnal Keuangan dan Perbankan Indonesian Journal of Advanced Research (IJAR) Equivalent: Jurnal Ilmiah Sosial Teknik Rechtsnormen Journal of Law Anayasa El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal Of Law Sciences (Legisci) Journal of Community Service (Abdisci) Asian Journal of Social and Humanities Jurnal Greenation Sosial dan Politik Contemporary Issues on Interfaith Law and Society

Harmono, Harmono

Fakultas Ekonomi Dan Bisnis Universitas Merdeka Malang

Author-ID : 1500048

Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Public Health Social Sciences Other

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MANAGING SMALL BUSINESS ENTERPRISE: SOCIAL CAPITAL AND FINANCIAL APPROACH AT REGENCY PROBOLINGGO Harmono, Harmono
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

This study attempted to analyze management model of small business enterprise inProbolinggo regency. Conceptual framework was based on social capital and financial approach.Terms of finance would be analyzed with financial audit, and social capital consisting ofindividual behavior, organization behavior in groups, relationship with others and governmentinstitution which followed local social norms enhancing goals congruence. Research designintegrated both exploratory and confirmatory research. The unit of analysis was small businessenterprise, members of community organization Urban Poverty Project-2 in Probolinggoregency. The finding of research indicated four dimensions representing the managementmodel of small business enterprise. They were: 1) financial factor; 2) skill; 3) disciplines forquality; and 4) relationship factor. The next analysis was adjusted with demography cluster.Based on cluster and factors analysis it could be described that, groups in first cluster were 19%concerning in financial and relational factors. The second cluster was just 5% concerning toskill and discipline for quality. The third cluster consisted of 26% concerning to relational, andthe forth cluster was as the majority members, 50% of the population, concerning in financialand skill factors, and having significantly correlation between educations and income. Thisresult was appropriate to financial and institution audit.

TESTING OF PECKING ORDER THEORY THROUGH THE RELATIONSHIP: EARNINGS, CAPITAL STRUCTURE, DIVIDEND POLICY, AND FIRMS VALUE Harmono Harmono
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

This study aimed to test the pecking order theory through its correlation among earnings dimension, capitalstructure, dividend policy and firms value perspective. By loading the correlation between dimension one toanother, it indicated that management behavior tended to retained earnings accumulation or to debt collectionin financing the operation of the firm. The pecking order theory were tested when the management behaviortended to retained earnings in accumulating sources of the fund equity rather than borrowing liabilities fromcreditors. Therefore, rationally if the capital structure was optimum, management tended to external financinguntil any trade off between earnings and debt financing. Based on the testing hypothesis, it indicated that therole of capital structure dimension had significance as intervening variable between earnings dimension andfirms value. On the other hand, the dividend policy had no significance to become intervening variable.Empirically, it could be concluded that the management behavior in Indonesia tended to leverage rather thanretained earnings accumulation in supporting the pecking order theory. Furthermore, the variable had the roleto differentiate the characteristic of industries represented by the capital structure dimension, especially, debtto assets and debt to equity ratio.

RELATIONSHIP BETWEEN MACROECONOMIC FUNDAMENTALS, BANK’S CREDIT SCHEME, FIRM’S PERFORMANCE AND FIRM’S VALUE DIMENSIONS Harmono Harmono
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

This study investigated the relationship among macroeconomic fundamentals, bank’s credit scheme, firm’s performance, and firm’s value dimensions. The research design was explanatory research, using a structural equation model. The sample is PT. Bank Persero industry in Indonesia from 1999-2014 monthly. Empirically, based on confirmatory test it could be described that the variables represented for each dimension were that the dominant variable in macroeconomic was currency exchange rate IDR to USD, and working capital interest rate represented the bank credit interest scheme dimension, ROA was dominant for firm’s performance, and the frequency of stock trading was representing the firm’s value dimension. For the next, based on a structural equation model with a regression coefficient, path analysis could be discussed as follows. First, the working capital credit interest rate was as weak mediation variable between exchange rate IDR to USD and ROA. Second, working capital credit interest rate influenced the frequency of stock trading through ROA. In this case, ROA was a strong mediation variable. The last path analyzed the influence of exchange rate IDR against USD to the frequency of stock trading through ROA. Here ROA was the strong mediation variable.

FAKTOR FUNDAMENTAL MAKRO DAN SKIM BUNGA KREDIT SEBAGAI VARIABEL INTERVENING PENGARUHNYA TERHADAP KINERJA BANK Harmono Harmono
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

This study aim to analysis the effect of macroeconomic fundamental and credit interest scheme to financialperformance of conventional Bank in Indonesia. The operational of dependent variable, by using Capital AdequacyRatio, non-performing loan, net interest margin, return on assets, and loan to deposits ratio. And theothers hand,independent variable are measured by macroeconomics fundamental;i.e.Interest Rate of IndonesianCentral Bank, inflation, and exchange rate of rupiah to US$.Credit interest scheme consist of working-capitalcredit interest rate, investment credit, and interest rate of consumption credit. Sampling technique,using purposivesampling and the number of samples is conventional banks in Indonesia. Data will be analysis 2006-2010monthly. Analysis technique isstructural equation model. The discovery results showed, the macroeconomicfundamental factors have significant to bank performance and dimension of credit interest scheme have role asintervening variable in supporting macro fundamental in influencing to financial performance of conventionalbanking in Indonesia. For represented of variables have any significant in contributed to each dimension can bedescribed, for macroeconomic fundamental, all variable is significant to contribute in factor construct. For creditinterest scheme was too all of variable, and bank performance just Capital Adequacy Ratio and Return on Assets.

Co-Authors Abd. Syakur Abdullah, Syaafiyah Agnes Quartina Pudjiastuti Alawy, Fahmy Fauzan Albadi, Muhammad Fariz Ali, Moh Fikry AlRasyid, Muhammad Ivan Alves, Livia Andini, Nur’ Anggraini Daulay, Annisa Apriyanto, Gaguk Ari Nurhaqi Arif Wicaksana Astri, Annisa Dewinda Astuti, Widiah Sri Aziz, Miftah Bariyah Darda, Azhar Khoerul Bella Ayu, Roro Dawam Mubarok, Uba Devi, Larasati Eka Diana Zuhroh Dimyati, Agus Djuanda, Dede Hendratno Dwi Nugroho, Abim Dwijaya, Ananda Gymnastiar Fasya Khoirunissa, Alisha Fathurahman, Farhan Ahmad Fathurohman, Dadan Taufik Fathurrohman, Firman Fitriliya, Mariska Gumilang , Iwan G Gunawan, Moh Sigit gunawan, moh. sigit Gunawan, Mohammad Sigit Handiriono, Raden Hanjaya, Resyah Prima Harianto Respati Hariwibowo, Tri Ramdhani Harliyanto, Rois Hartono Hartono Hartono, Suwandi Henny Saida Flora Ika Putri, Dessy Judijanto, Loso Justitia, Triana Karina, Siska Kemmala Dewi Khoerunnisa, Anis Khoirunissa, Alisha Fasya Kristianto, Andrey Liu Yang Lulu Hawazien, Asri Marzuki, Abdul Ukas MARZUKI, ABDUL UKAS Maulana, Areza Maulani, Adien Trisha Moises Boling, Januario Muhammad Ikhwan, Zahran Nabila Fachruzia, Aghny Narew, Ignasius Ninin Khoirunnisa’ Novira, Devi Nur Hakim, Justitio Nur Hayati Nurhadinata, Angga Nurwahyu, Barlian Mahia Nurwanty, Iis Isnaeni Pakarti, Muhammad husni Abdulah Permana, Deni Yusup Pratiwi, Amara Az Zahra Putra, Indra Pratama RAHMADINA, Adji Annisa Rahman, Alip Raihan, Muhamad Taufiq Ramadani, Intan Fitria Rimah, Iskha Risfanda , Muhammad Ivan Sahila , Fatina Rizka Sahren, Hasbi Sanusi Sanusi Sari Yuniarti Satria Wibawa, Zakka Shafa, Putri Sihwahjoeni, Sihwahjoeni Sisharini, Nanik Sistyawan, Dwanda Julisa Solichin Solichin Subarka, Subhi Sun Wei Supaat, Dina Imam Supriani, Ani Sutrisno , Endang Suwarno Putri, Fani Zahara Syahkhoni, Mohammad Tri Wulandari Trideta, Reynaldi Alfarisi Trully, Visia Nurmalita Utami , Dianita Waluyadi Waluyadi WIBOWO, CANDRA Yudha, Yodie Pratama Zani, Benny Novico Zuhroh, Dianah

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