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Pengaruh Non-Performing Loan, Good Corporate Governance, dan Risk terhadap Kinerja Perbankan dengan Loan to Deposit Ratio Sebagai Variabel Intervening Maula, Dela Azkiatul; Manurung, Adler Haymans; Widjanarko, Wirawan; Khan, Muhammad Asif; Fikri, AWN
JURNAL ECONOMINA Vol. 3 No. 2 (2024): JURNAL ECONOMINA, Februari 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v3i2.1213

Abstract

Penelitian ini memiliki tujuan untuk menganalisis kinerja finansial bank-bank yang tercatat di Bursa Efek Indonesia selama periode 2014-2022 dengan menggunakan rasio non performing loan, good corporate governance, net interest margin dan loan to deposit ratio. Penelitian ini menggunakan teknik analisis data, metode pendekatan deskriptif kuantitatif, dan teknik pengumpulan data yang digunakan dalam penelitian ini adalah teknik dokumentasi serta data yang diteliti berupa laporan keuangan tahunan. Populasi yang digunakan dalam penelitian ini adalah seluruh bank yang terdaftar di BEI periode 2014-2022. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah metode purposive sampling. Hasil penelitian ini menunjukkan bahwa non performing loan berpengaruh negatif dan signifikan terhadap ROA, good corporate governance berpengaruh positif signifikan terhadap ROA, net interest margin berpengaruh positif signifikan terhadap ROA, dan secara simultan variabel independen berpengaruh terhadap loan to deposit ratio sebagai variabel intervening.
Pengaruh Lingkungan Kerja, Motivasi, Remunerasi dan Adaptasi Teknologi terhadap Peningkatan Kinerja Karyawan pada PT. Sentratama Jaya Usaha Firdaus, Fairuz Zayyan; Manurung, Adler Haymans; Widjanarko, Wirawan; Khan, Muhammad Asif; Fikri, AWN
JURNAL ECONOMINA Vol. 3 No. 2 (2024): JURNAL ECONOMINA, Februari 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v3i2.1219

Abstract

Penelitian ini menguji pengaruh lingkungan kerja, motivasi, remunerasi, dan adaptasi teknologi terhadap peningkatan kinerja karyawan pada PT. Sentratama Jaya Usaha. Pengumpulan data pada penelitian ini menggunakan metode kuesioner yang berisi daftar pernyataan mengenai setiap variable yang diteliti. Responden pada penelitian ini merupakan karyawan pada PT. Sentratam Jaya Usaha dengan jumlah 152 karyawan. Hasil data pada penelitian ini menggunakan program SmartPLS 4. Pengujian hipotesis penelitian menggunakan pendekatan PLS, yang dilakukan dengan 2 tahap, yaitu pengujian outer model dan inner model. Hasil uji outer model menjadi bukti validitas dan reabilitas dari seluruh indikator. Hasil Uji inner model untuk mebguji pengaruh antar vaeiabel hipotesis sebelumnya. Hasil penelitian menunjukan: (1) lingkungan kerja berpengaruh positif dan signifikan terhadap peningkatan kinerja karyawan, (2) motivasi berpengaruh positif dan signifikan terhadap peningkatan kinerja karyawan, (3) remunerasi tidak berpengaruh positif dan tidak signifikan terhadap peningkatan kinerja karyawan, (4) adaptasi teknologi berpengaruh positif dan signifikan terhadap peningkatan kinerja.
The Relationship between Share Prices and Company Image on Decisions to Selection of Share Issuers Listed on the Indonesian Stock Exchange Widjanarko, Wirawan; Faeni, Dewi Puspaningtyas; Pitoyo, Bayu Seno; Handayani, Milda
Dinasti International Journal of Economics, Finance & Accounting Vol. 4 No. 6 (2024): Dinasti International Journal of Economics, Finance & Accounting (January-Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v4i6.2210

Abstract

This research aims to build hypotheses regarding the relationship between variables, which can later be used for further research within the scope of financial management. The writing method in this research is qualitative (library research), where the data comes from previous research. Online media, such as Google Scholar, Publish or Perish, and other academic media, are also used to obtain previous research data. The results of this research are: 1) Share prices are related to the decision to select share issuers listed on the Indonesia Stock Exchange, where share prices not only represent the market value of the company's performance and future but also play an important role in investor decision making; and 2) Company image is related to the decision to select share issuers listed on the Indonesia Stock Exchange, where companies with a good image and reputation are believed to have lower risks so that they can increase investor confidence in their sustainability and long-term success.
Personal Finance Millenial Generation : Determination of Mediation of Investment Intention on the Influence of Investment Knowledge and Returns on Investment Decisions on Gold Instruments in Bekasi City indra Wahyu putra, Christophorus; Widjanarko, Wirawan; Juan Carlos, Gerry; Indrianna Meutia, Kardinah; Hasanuddin, Hasanuddin; Siagian, Rosalina; Sobari, Mohamad
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2561

Abstract

This research is a study that studies the influence of investment knowledge and returns on investment decisions through investment interest in Bekasi City. This research uses a quantitative approach and population of this study is not known with certainty but the unit of analysis used is investors who invest in gold instruments and are the millennial generation in Bekasi City. This research sample adopted previous research which used the Lemeshow (1997) approach with a sample size of 100 respondents.  The results of this research indicate that investment knowledge does not influence investment decisions, return and investment interest influence investment decisions. Meanwhile, the indirect effect found that investment knowledge influences investment decisions through investment interest, while returns do not influence investment decisions through investment interest. This research focuses on the millennial generation and specifically those who invest in gold instruments. This research also focused on the city of Bekasi, which is one of the developing capital cities of Indonesia. The novelty of this research is in the research model where the researcher adds a return variable to this research which has never been done before to the best of the researcher's knowledge.
The Role of Mediating Purchase Intention : Influence Between Brand Image and Social Media on Buying Decision Traveloka Apps in Bekasi City Juan Carlos, Gerry; Indrianna Meutia, Kardinah; Indra Wahyu Putra, Christophorus; Widjanarko, Wirawan; Hasanuddin, Hasanuddin; Siagian, Rosalina; Sobari, Mohamad
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2562

Abstract

This research aims to study and analyze the influence of brand image and social media on purchasing decisions which are mediated by purchasing interest. This research uses a quantitative design with sample in this study consisted of 105 respondents who were users of the Traveloka application in Bekasi City. This research uses multivariate statistical analysis (SEM) techniques to process research data. This research found that there is an influence of brand image on purchasing decisions, but social media has no influence on purchasing decisions. The same results show that buying interest influences purchasing decisions. Other findings show that brand image influences purchasing decisions through purchasing interest, but other findings show that social media has no influence on purchasing decisions through purchasing interest. This research focuses on the influence of brand image and social media marketing on purchasing decisions which are mediated by purchasing interest. This research also focuses on discussing users of the Traveloka application in Bekasi City to see how the Trevaloka application can be of interest to consumers. Theoretically, this research has an improvement research side where this research model has never been examined before during the researcher's research.
Operational Risk Management in Digital Banks: Challenges and Solutions Widjanarko, Wirawan; Manurung, Adler Haymans; Machdar, Nera Marinda
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 1 (2025): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i1.3978

Abstract

The purpose of this research is to see the effect of system uptime and compliance regulations on operational risk management in digital banks (cybersecurity). The approach used in this literature review research is descriptive qualitative. The data collection technique is to use literature studies or conduct literature reviews of relevant previous articles. The data used in this research is secondary data, sourced from academic online media such as Thomson Reuters Journals, Sage, Springer, Taylor & Francis, Scopus Emerald, Elsevier, Sage, Springer, Web of Science, Sinta Journals, DOAJ, EBSCO, Google Scholar and digital reference books. In previous studies, 1 relevant previous article was used to review each independent variable. The results of this literature review article are: 1) System uptime affects Cyber Security at Digital Banks; and 2) Regulatory compliance affects Cyber Security in Digital Banks
A review on the role of QRIS and digital wallets in facilitating MSME transactions in Indonesia Widjanarko, Wirawan
Annals of Human Resource Management Research Vol. 5 No. 1 (2025): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v5i1.2942

Abstract

Purpose: This literature review aims to develop hypotheses for future researchers conducting research related to the ease of transactions in MSMEs. Research Methodology: The approach used in this literature review was descriptive and qualitative. The data collection technique uses literature studies or conducts a literature review of relevant previous articles. The data used in this study are secondary data, sourced from academic online media such as Thomson Reuters Journals, Sage, Springer, Taylor & Francis, Scopus Emerald, Elsevier, Sage, Springer, Web of Science, Sinta Journals, DOAJ, EBSCO, Google Scholar, and digital reference books. Empirical data were used to support the phenomena observed in this study. Results: The results of this study are as follows: 1) QRIS affects the ease of transactions in micro, small, and medium enterprises; and 2) digital wallets affect the ease of transactions in micro, small, and medium enterprises. Limitations: This study is limited to micro-, small-, and medium-sized enterprises. Contribution: This study contributes to the understanding of the factors influencing the ease of transactions in MSMEs, with a focus on factors related to the use of QRIS and digital wallets. Novelty: This study provides new insights into other factors that influence the ease of transactions for MSMEs, especially in Indonesia. Thus, it can be used as a reference material in future studies.
Determinasi Harga Saham Sub Sektor Perusahaan Perbankan pada Bursa Efek Indonesia Periode 2022-2024 Widjanarko, Wirawan
Jurnal Akademi Akuntansi Indonesia Padang Vol. 5 No. 2 (2025): Oktober
Publisher : LPPM Akademi Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/1pyx8w46

Abstract

Penelitian ini bertujuan untuk mengetahui apakah nilai dividend payout ratio dan dividend yield mempengaruhi harga saham pada perusahaan subsector perbankan yang terdaftar di Bursa Efek Indonesia Periode 2022-2024. Metode penelitian yang digunakan yaitu kuantitatif dengan alat analisis IBM SPSS 27. Teknik pengambilan sampel yaitu menggunakan Purposive Sampling, di mana sampel perusahaan dipilih berdasarkan nilai market cap perusahaan dan ketersediaan data pada laporan keuangan. Sampel dalam penelitian ini sebanyak 14 perusahaan subsector perbankan yang terdapat pada Bursa Efek Indonesia periode 2022-2024, di mana data yang digunakan dalam penelitian ini yaitu Data Sekunder. Uji yang dilakukan dalam penelitian ini yaitu Uji Statistik Deskriptif, Uji Asumsi Klasik, Uji Regresi Linier Berganda, Uji Hipotesis, Uji Koefisien Determinasi. Hasil penelitian yang dilakukan pada subsector perusahaan perbankan yang terdaftar di BEI periode 2022-2024 ini yaitu: 1) Dividend Payout Ratio berpengaruh positif dan signifikan terhadap Harga Saham; 2) Dividend Yield tidak berpengaruh positif dan signifikan terhadap Harga Saham; 3) Dividend payout ratio dan dividend yield berpengaruh positif dan signifikan terhadap harga saham perusahaan subsector perbankan yang terdaftar di BEI periode 2022-2024 secara simultan.
The Effect of Leverage on Profitability: A Dynamic Panel Study on the IDX Widjanarko, Wirawan
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4815

Abstract

The relationship between leverage and profitability still shows diverse empirical results, especially in companies in Indonesia. This study aims to identify the relationship between the degree of financial leverage used and the profitability of companies within the tier structures of the Indonesia Stock Exchange by employing a dynamic econometric model, the Generalized Method of Moments (GMM) Arellano-Bond Approach. This study is based on the published annual reports of sample companies from 2015 to 2024, which provide their financial and operational performance over the study period. In this study, the dynamic panel model is used because it eliminates endogeneity and simultaneity bias in the estimation, which are common in the assessment of leverage and profitability when measured simultaneously, and it also delivers both the short- and long-run impacts of the model’s variables. The findings suggest a negative, significant impact of financial leverage on profitability: profits decrease as a firm’s debt level increases. However, the broader positive effects of profitability and firm size, as well as growth in sales, confirm the relevance of sales magnitude and dynamics in improving the firm’s financial performance. The findings corroborate the Trade-off Theory and indicate that Indonesian manufacturing firms should maintain an appropriate capital structure to improve profitability while minimizing the probability of bankruptcy.