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All Journal Jurnal Keuangan dan Perbankan Jurnal Riset Ekonomi dan Bisnis Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Lamahu: Jurnal Pengabdian Masyarakat Terintegrasi Masyarakat: Jurnal Pengabdian
Ganefi, Hadi Satria
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Religion Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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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
PENDAMPINGAN KEWIRAUSAHAAN: MENGEMBANGKAN JIWA TECHNOPRENEURSHIP BAGI PELAJAR Ganefi, Hadi Satria; Lesmana, Arief Surya; Rahimi, Faishal
Masyarakat: Jurnal Pengabdian Vol. 2 No. 4 (2026)
Publisher : Yayasan Pendidikan Dan Pengembangan Harapan Ananda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58740/m-jp.v2i4.549

Abstract

Kesempatan pekerjaan yang semakin terbatas serta lulusan pendidikan formal yang semakin meningkat menimbulkan gap demand-supply di pasar tenaga kerja. Kewirausahaan dapat dikatakan sebagai langkah strategis untuk mengurangi pengangguran dan menciptakan kemandirian ekonomi. Sebagai bentuk kepedulian lingkungan dan sosial Universitas Kuningan melalui program Pengabdian Kepada Masyarakat memberikan edukasi mengenai pentingnya membangun semangat kewirausahaan. Tujuan utama PKM ini adalah memberikan edukasi dan menggalakan pendidikan kewirausahaan berbasis teknologi digital dan terciptanya technopreneur baru. Kegiatan ini dilakukan di Pondok Pesantren Tarbiyatul Banin, Kelurahan Dukupuntang, Kabupaten Cirebon. Pelaksanaan terbagi kedalam tiga tahap mulai dari persiapan program, pelaksanaan dan evaluasi program. Pelaksanaan dilakukan dengan penyampaian materi yang disusun berdasarkan analisis kebutuhan dilanjutkan dengan sesi diskusi dan tanya jawab. Kegiatan PKM berjalan dengan baik dan menunjukkan hasil yang positif bagi peserta didik yaitu meningkatnya pengetahuan dan minat sebagai technopreneur. Manfaat lain bagi mitra adalah terciptanya program pengembangan kewirausahaan digital melalui kegiatan ekstrakulikuler secara berkelanjutan dan program inkubator bisnis.
Edukasi Keuangan Pelajar: Pengenalan Investasi Pada Generasi Z Untuk Mencapai Tujuan Keuangan Ganefi, Hadi Satria; Lesmana, Arief Surya
Lamahu: Jurnal Pengabdian Masyarakat Terintegrasi Vol 3, No 2: August 2024
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/ljpmt.v3i2.26923

Abstract

Every individual has a good life goal. One of the ways an individual can achieve their goals is through financial success. A person's intelligence in achieving financial success starts from how they can set goals, make financial plans, and manage their finances. Financial education through the introduction of investment to students will reflect financial behaviour that can affect their future welfare level. This community service was carried out at the Islamic boarding school of Tarbiyatul Banin, Dukupuntang, Cirebon Regency, by a Faculty of Economics and Business, Kuningan University team. This service aims to create a young generation that is competent in investment. The methods used in this activity include delivering financial education materials, interactive discussions, and evaluations through quizzes and questionnaires. This activity showed a significant increase in participants' understanding of the basic concepts of investment, capital markets, and the risks associated with investment. These results are expected to provide a positive contribution in preparing a younger generation that is better prepared to face financial challenges in the future.
DEVELOPING LANDING PAGES AS DIGITAL MARKETING TOOLS FOR MSME PRACTITIONERS IN CIGUGUR: AN EDUCATIONAL APPROACH Surya Lesmana, Arief; Ganefi, Hadi Satria; Muttaqien, Dadan Darmawan
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 8 No. 4 (2024): DESEMBER
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v8i4.2478

Abstract

Cigugur Village as one of the Tourism Village in Kuningan Regency has great potential to improve the economy of its community through MSMEs. Many local MSME products have advantages but are not supported by appropriate marketing strategies. The majority of MSMEs still apply conventional marketing by word of mouth and entrust it to retail stores. As a result, sales tend to stagnate and it is difficult to compete with competitors in the market. Therefore, this community service was carried out to provide education to Cigugur Village MSMEs regarding the latest digital marketing strategies by creating an integrated WhatsApp Business landing page by utilizing the free features of Canva. A total of 20 participants took part in this program. After this activity was carried out, the participants succeeded in creating a simple landing page quite well. After being provided with education, there was an increase in the participants’ understanding of digital marketing concepts and the practice of using them. It is hoped that this service activity can help MSME players develop their business through digital marketing tools, such as landing pages, thereby positively impacting the survival and sustainability of Cigugur Village MSMEs.
EDUKASI GREEN MANUFACTURING DAN PEMANFAATAN LIMBAH HASIL PRODUKSI PADA UKM TAHU-TEMPE Lesmana, Arief Surya; Ganefi, Hadi Satria; Jahidah, Nurul Siti
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Volume 5 No 1 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i1.24703

Abstract

Dua masalah utama yang dijumpai pada industri tahu-tempe di Desa Cibingbin adalah masih rendahnya pemahaman mengenai produksi hijau dan pemanfaatan limbah hasil produksi. Hal ini akan berdampak pada daya dukung lingkungan. Oleh karena itu, kami memberikan edukasi mengenai pentingnya penerapan green manufacturing dan pemanfaatan limbah hasil produksi untuk mendukung keberlanjutan bisnis dan meningkatkan produktivitas. Tujuannya adalah untuk meningkatkan wawasan dan kesadaran para pelaku usaha dalam menjalankan proses produksinya. Metode dalam pengabdian ini meliputi identifikasi masalah, perumusan solusi, perencanaan, implementasi, dan evaluasi. Hasil analisis menunjukkan bahwa setelah diberikan edukasi, terjadi peningkatan pemahaman para pelaku usaha mengenai konsep green manufacturing secara signifikan. Pemanfaatan ampas menjadi gelembus dapat memberikan nilai jual ekonomis. Sementara pemanfaatan limbah cair sebagai pakan ternak terbukti dapat mengurangi pencemaran lingkungan perairan di sekitar pabrik.
Co-Authors Arief Surya Lesmana Dedi Budiman Hakim Faishal Rahimi Firmansyah, Muhamad Andhika Jahidah, Nurul Siti Lesmana, Ari Muttaqien, Dadan Darmawan Syafrudin, Oding