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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) JURISMA: Jurnal Riset Bisnis & Manajemen Almana : Jurnal Manajemen dan Bisnis Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Innovation in Management, Accounting and Business
Baihaqqy, Mochammad Rizaldy Insan
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Effect of Financial Literacy on the Investment Decision Baihaqqy, Mochammad Rizaldy Insan; Disman, Disman; Nugraha, Nugraha; Sari, Maya; Ikhsan, Sugiyanto
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 3, No 4 (2020): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v3i4.1333

Abstract

The increase in the economic marketplace and the aging population in Indonesia has resulted in a new understanding of investment. Basically, someone's financial literacy will be in line with investment decisions, because someone already understands the level of risk and the level of return obtained in the future. This study uses a quantitative approach using a survey method involving 400 research samples consisting of Baby Boomers, Generation Xers and Gen-Y / NetGen. The results show that financial literacy has an effect on investment decisions. These results also show a similarity in patterns with research in developed countries and emerging market countries, but show an inconsistency with other studies in Indonesia.
The Influence of Bank Characteristics on Capital Adequacy Ratio Baihaqqy, Mochammad Rizaldy Insan; Prasetyo, Yoyok; Riyanto, Agus; Ernawati, Nani
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.15741

Abstract

This study aims to determine the influence model on Return on Asset (ROA), Loan to Deposit (LDR), and Net Performing Loan (NPL) on Capital Adequacy Ratio (CAR) in banks in Indonesia. Capital adequacy is an important part of banking financial performance, because the achievement of an optimal Capital Adequacy Ratio (CAR) indicates that the bank has sufficient capital to fund each of its operations. Sufficient capital allows banks to easily innovate, so as to develop the company's productivity. Interestingly, CAR is influenced by various factors, so it is necessary to academically examine the factors that affect CAR. This study uses a quantitative approach with an empirical method using Bank BTN data during the 2010-2020 period using the help of SPSS software. Data processing calculations using the classical assumption test and hypothesis testing. Classical assumption test by calculating normality, heteroscedasticity, and autocorrelation tests. Hypothesis testing by calculating the t-test and the F-test. The results showed that this model contributed 81% to the change in CAR. Partially, it shows that ROA has a negative effect on CAR, meaning that the lower the ROA, the higher the CAR, LDR has a negative effect on CAR, meaning that the lower the LDR, the higher the CAR, and NPL has a negative effect on CAR, meaning that the lower the NPL, the higher the CAR. This indicates that an increase or decrease in ROA, LDR, and NPL has an impact on changes in Bank BTN's CAR. Keywords: Finance, Return on Asset (ROA); Loan to Deposit (LDR); Net Performing Loan (NPL); Capital Adequacy Ratio (CAR)
RASIO PROFITABILITAS, MANAJEMEN RISIKO DAN MANAJEMEN MODAL KERJA PADA SEKTOR PERBANKAN SYARIAH DAN KONVENSIONAL Abdurraafi, Muhammad; Ernawati, Nani; Prasetyo, Yoyok; Baihaqqy, Mochammad Rizaldy Insan
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 14 No. 2 (2025): JUNI
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v14i2.3149

Abstract

Introduction: This study examines profitability ratios, risk management, and working capital management in Islamic and conventional banking sectors. Using a comparative approach, the analysis focuses on financial performance indicators such as Return on Equity (ROE), Non-Performing Financing (NPF)/Non-Performing Loan (NPL), and Current Ratio to identify differences and similarities between the two banking models. The Mann-Whitney U Test is applied to assess whether there are significant differences in these financial ratios between Islamic and conventional banks.Methods: The findings indicate that profitability ratios, risk management strategies, and working capital management differ significantly between the two banking sectors. Islamic banks have a unique financial structure due to Sharia compliance, which influences risk and capital management, including maintaining a more controlled NPF level. Meanwhile, conventional banks rely on interest-based financial mechanisms, shaping their profitability and liquidity strategies differently, including NPL and Current Ratio management to ensure financial stability.Results: The results of this study contribute to a deeper understanding of the financial performance of Islamic and conventional banks. These insights can serve as a guide for policymakers, investors, and banking institutions in making more strategic decisions regarding operations, risk mitigation, and financial planning. Keyword: Profitability Ratio, Risk Management, Working Capital Management, Return on Equity (ROE), Non-Performing Financing (NPF/NPL), Current Ratio (CR
Analisis Perbandingan Kinerja Reksadana Saham Syariah dan Konvensional Berdasarkan NAV/U, AUM, dan Rasio Sharpe Purnama, Satria; Ernawati, Nani; Prasetyo, Yoyok; Baihaqqy, Mochammad Rizaldy Insan
Journal of Innovation in Management, Accounting and Business Vol. 4 No. 2 (2025)
Publisher : Papanda Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56916/jimab.v4i2.1419

Abstract

Perkembangan reksadana syariah secara global menunjukkan tren positif seiring meningkatnya minat terhadap investasi berbasis syariah, didorong oleh kesadaran akan prinsip keuangan beretika dan pertumbuhan ekonomi Islam di negara-negara muslim maupun non-muslim. Di Indonesia, pasar reksadana syariah juga berkembang pesat, sejalan dengan meningkatnya permintaan produk investasi yang sesuai dengan prinsip syariah. Namun, di sisi lain, reksadana saham konvensional pada periode yang sama mengalami volatilitas tinggi akibat ketidakstabilan pasar global, termasuk dampak kebijakan suku bunga The Fed dan gejolak geopolitik. Penelitian ini berupaya menilai, menganalisis, dan membandingkan performa reksa dana efek syariah dan reksa dana efek konvensional yang terdaftar di Otoritas Jasa Keuangan (OJK) pada tahun 2020-2024, dengan menggunakan tiga metode pengukuran kinerja: Pertumbuhan Net Asset Value per Unit (NAV/U), Pertumbuhan Dana Kelolaan (Asset Under Management/AUM), dan Sharpe Ratio. Penelitian ini menggunakan metode kuantitatif dengan sampel sebanyak 35 produk reksadana saham syariah dan 42 produk reksadana saham konvensional. Jenis data yang digunakan merupakan data sekunder. Teknik analisis yang digunakan melibatkan perhitungan statistik non parametrik yaitu Mann Whitney U Test dengan SPSS versi 27. Penemuan ini mengindikasikan adanya perbedaan yang cukup besar dalam kinerja reksa dana efek syariah dan konvensional, yang dinilai dengan menggunakan metodologi Pertumbuhan NAV/U, Pertumbuhan AUM, dan Rasio Sharpe.  Reksa dana efek konvensional lebih unggul dalam ketiga teknik evaluasi kinerja tersebut.
Macroeconomic Fluctuations on Financial Technology Profit: An Empirical Study on GOTO Company 2018-2024 Baihaqqy, Mochammad Rizaldy Insan; Sobari, Sobari
Almana : Jurnal Manajemen dan Bisnis Vol 9 No 1 (2025): April
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v9i1.2781

Abstract

The profitability of a company is an important aspect of the future of a company, especially companies that have gone public where financial performance is an important aspect for investors in considering investment decisions. In the context of digital era activities, various financial technologies (FinTech) have emerged which have brought about important changes in Indonesian banking. This study aims to examine the influence of macroeconomics, namely inflation and interest rates on the return on assets of GOTO Company in the period 2018-2024. The results of the study show that inflation and interest rates have no effect on the return on assets of GOTO Company. This indicates that the profitability of Fintech GOTO is not affected by inflation or interest rates, this condition indicates that there is a different pattern of influence between digital and conventional financial companies in their influence on macroeconomics and profitability.
Co-Authors Abdurraafi, Muhammad Agus Riyanto Disman, Disman Ikhsan, Sugiyanto Maya Sari Nugraha Nugraha Prasetyo, Yoyok Purnama, Satria Sobari Sobari