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All Journal Jurnal Keuangan dan Perbankan Jurnal Riset Ekonomi dan Bisnis Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Ganefi, Hadi Satria
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Market Structure, Income Diversity, and Stability: Empirical Study of Banking Industry Indonesia Ganefi, Hadi Satria; Ermawati, Wita Juwita; Hakim, Dedi Budiman
Jurnal Keuangan dan Perbankan Vol 25, No 3 (2021): Juli 2021
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v25i3.5887

Abstract

Banking as an intermediary institution has an essential role in the world of economy. Apart from providing financing to the real sector, banks currently still dominate the Indonesian financial system with an asset share of 77.25%. Based on the existing conditions, Indonesia's banking market is still dominated by several banks, especially in the BUKU 4 bank group. This is to indicate a bank of Indonesia is generally still facing relatively low competition. In addition, the large concentration makes it necessary for banks to divert their main activities by diversifying into non-traditional activities in carrying out their operations. This study aims to analyze how the market competition in Indonesia during the period 2014-2019 and examine the effect of competition and diversification income on stable banks. The panzer rosse model is used to analyze the market structure; for diversification, this research uses calculations with the Herfindahl Hirshman Index while stability uses two risk measures, namely NPL and Z Score, as a proxy for stability. The results show that, in general, the banking industry is under monopolistic competition. Competition has a significant effect on stability banks as measured through NPL risk, and this research supports the competition-fragility paradigm. A meanwhile, diversification income variables have not to effect on stability.DOI: 10.26905/jkdp.v25i3.5887
Determinant efficiency of the banking industry in Indonesia Ganefi, Hadi Satria; Syafrudin, Oding; Lesmana, Arief Surya
Jurnal Riset Ekonomi dan Bisnis Vol 17, No 2 (2024): AGUSTUS
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jreb.v17i2.8994

Abstract

The concept of efficiency emphasizes the ability to utilize available resources economically. Efficiency in banking is stated as an indicator of bank performance that is needed to survive in competition and changes in consumer behavior. This study investigates the efficient performance of commercial banks in Indonesia, crucial for their resilience amidst competitive pressures and evolving consumer behaviors. Utilizing a purposive sample of 85 banks from 2018 to 2022, we employ Data Envelopment Analysis, a non-parametric method, to assess efficiency. Our findings reveal suboptimal operational efficiency across Indonesian commercial banks during the study period, with an average efficiency score consistently below 1. Notably, larger banks, with capital exceeding 70 trillion, exhibit superior efficiency, averaging between 97% to 98%. Conversely, smaller banks, with capital under 6 trillion, demonstrate varied efficiency levels. Hypothesis testing underscores the significant impact of company size, profitability, and capital ratios on bank efficiency.Konsep efisiensi menggarisbawahi tentang kecakapan dalam memanfaatkan sumber daya yang tersedia secara ekonomis. Efisiensi pada perbankan dinyatakan sebagai indikator kinerja bank yang diperlukan agar dapat bertahan dalam persaingan dan perubahan perilaku konsumen. Penelitian ini bertujuan untuk menilai bagaimana kinerja efisiensi pada bank umum di Indonesia. Sebanyak 85 sampel bank dipilih secara purposive dan digunakan dalam penelitian selama tahun 2018 - 2022. Penaksiran nilai efisiensi pada seluruh bank umum dilakukan menggunakan pendekatan non parametrik dengan Data Envelopment Analysis. Hasil penaksiran menunjukkan bahwa selama periode pengamatan bank umum di Indonesia belum beroperasi secara efisien. Hal ini ditunjukkan dengan nilai rata-rata efisiensi seluruh bank yang bernilai lebih kecil dari 1. Hasil empiris menunjukkan efisiensi tertinggi terdapat pada kelompok bank besar yang memiliki modal di atas 70 triliun dengan rata-rata berkisar 97% sampai 98%. Sedangkan efisiensi tedapat terjadi pada kelompok bank kecil yang memiliki modal di bawah 6 triliun. Hasil pengujian hipotesis menunjukkan bahwa ukuran perusahaan, profitabilitas dan rasio permodalan berpengaruh signifikan terhadap efisiensi bank.
FINANCIAL INCLUSION AMONG STUDENTS: THE ROLE OF LITEREACY, TECHNOLOGY, AND SOCIAL CAPITAL Lesmana, Arief Surya; Ganefi, Hadi Satria; Muttaqien, Dadan Darmawan; Lesmana, Ari; Firmansyah, Muhamad Andhika
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 5 No. 2 (2025): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v5i2.154

Abstract

Financial inclusion has become a global development agenda, yet in Indonesia a significant gap remains between the level of inclusion and financial literacy. Among young generations, particularly university students, access to financial services is increasing through digital platforms, but effective and responsible utilization is still not fully achieved. This study aims to examine the influence of financial literacy, financial technology, and social capital on financial inclusion among students of the Faculty of Economics and Business, Universitas Kuningan. A quantitative approach was employed using survey data and multiple linear regression analysis. The dependent variable was financial inclusion, while the independent variables included financial literacy, financial technology, and social capital. The findings reveal that all three independent variables have a positive and significant effect on financial inclusion. Among them, financial technology has the strongest impact. The model explains 60.2% of the variance in financial inclusion, indicating a strong explanatory power. The study underscores the importance of integrating behavioural, technological, and social dimensions to strengthen financial inclusion among young people. It contributes to the theoretical framework of the Theory of Planned Behaviour and provides practical implications for policymakers, educators, and financial service providers in promoting inclusive and sustainable financial access
Co-Authors Arief Surya Lesmana Dedi Budiman Hakim Firmansyah, Muhamad Andhika Lesmana, Ari Muttaqien, Dadan Darmawan Syafrudin, Oding