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Inovasi Keuangan dan Transformasi Perbankan: Studi Kasus Pada Pengembangan Layanan Perbankan Digital Judijanto, Loso; Hariyanti, Hariyanti; Mahmudi, Bambang; Febriansyah, Febriansyah; Siahaan, Matdio
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 3 No. 2 (2022)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

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Abstract

Artikel jurnal ini membahas dampak inovasi keuangan terhadap transformasi sektor perbankan, dengan fokus pada pengembangan layanan perbankan digital. Penelitian ini menggunakan pendekatan studi kasus untuk menggambarkan bagaimana inovasi keuangan memainkan peran kunci dalam mengubah lanskap perbankan tradisional. Studi ini mengidentifikasi berbagai jenis inovasi keuangan yang telah diadopsi oleh lembaga keuangan, khususnya perbankan, dan menganalisis dampaknya terhadap pengembangan layanan perbankan digital. Faktor-faktor yang mendorong adopsi inovasi keuangan, seperti perkembangan teknologi informasi dan perubahan perilaku konsumen, menjadi fokus utama penelitian. Dalam konteks layanan perbankan digital, penelitian ini mengeksplorasi bagaimana inovasi keuangan telah memungkinkan perbankan untuk meningkatkan efisiensi operasional, memberikan pengalaman pelanggan yang lebih baik, dan menciptakan model bisnis yang baru. Studi kasus menyelidiki implementasi teknologi seperti kecerdasan buatan, blockchain, dan fintech dalam meningkatkan layanan perbankan digital. Hasil penelitian menyoroti bahwa inovasi keuangan bukan hanya mendorong efisiensi internal perbankan, tetapi juga mengubah cara pelanggan berinteraksi dengan layanan keuangan. Dengan adopsi layanan perbankan digital, terjadi peningkatan aksesibilitas dan inklusivitas keuangan bagi masyarakat. Namun, tantangan seperti keamanan data dan regulasi juga menjadi fokus diskusi dalam artikel ini. Secara keseluruhan, artikel jurnal ini memberikan wawasan mendalam tentang peran inovasi keuangan dalam mengubah paradigma perbankan menuju layanan perbankan digital yang lebih responsif dan efisien. Penelitian ini dapat memberikan panduan berharga bagi industri keuangan dan peneliti untuk memahami dinamika transformasi sektor perbankan di era digital.
THE EFFECT OF LEVERAGE ON PROFITABILITY WITH ACTIVITY RATIO AS AN INTERVENING VARIABLE IN PROPERTY AND REAL ESTATE COMPANIES LISTED ON THE IDX 2017 - 2021 PERIOD Pasya, Syafira Meilia; Mahmudi, Bambang; Suryani, Emma; Rosyid, Abdul; Mulyani, Ana Susi
Management Science Research Journal Vol. 2 No. 4 (2023): November 2023
Publisher : PT Larva Wijaya Penerbit

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56548/msr.v2i4.81

Abstract

Financial performance is an illustration of the company's success achievement can be interpreted as the results that have been achieved on various activities that have been carried out. This study aims to determine whether debt policy affects profitability with Activity Rattio as an intervening variable. The population of this study are Real Estate and Property companies listed on the Indonesia Stock Exchange for the period 2017-2021. The sampling in this study uses the Purposive Sampling method. Analysis of the data used in this research is Programming Software SPSS (Statistic Package for the social Sciens) for the windows 29 version. The results of this study indicate that (1) leverage as measured using the Debt To Asset Ratio (DAR) has no positive effect on Return On Assets (ROA); (2) leverage as measured using the Debt To Asset Ratio (DAR) has a positive effect on the activity ratio as measured using Total AIset Turnover (TATO); (3) the activity ratio as measured using Total Asset Turnover (TATO) has no positive effect on profitability as measured using Return On Assets (ROA); (4) activity risk cannot mediate the relationship between leverage and profitability in Property and Real Estate companies listed on the Indonesia Stock Exchange for the 2017-2021 period.
THE EFFECT OF EARNING PER SHARE (EPS) AND RETURN ON EQUITY (ROE) ON STOCK PRICES WITH INFLATION AS MODERATING VARIABLE (Study on Financing institutions listed on the Indonesian Stock Exchange 2012-2021 Period) Rizkina, Zahira; Mahmudi, Bambang; Khaerunnisa, Enis
Management Science Research Journal Vol. 2 No. 4 (2023): November 2023
Publisher : PT Larva Wijaya Penerbit

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56548/msr.v2i4.84

Abstract

Financing institution play a large role for the people of a country in the process of distributing fund as a driver of the economy. In financial institutions, share prices play an important role as a barometer of company success. This study aims to determine the effect of Earning Per Share (EPS) and Return On Equity (ROE) on stock prices with inflation as a moderating variable in financial institution companies listed on the Indonesia Stock Exchange during the period 2012-2021. This research used a purposive sampling technique with a sample size of 7 samples from 18 financial institution companies, so that the research data analyzed amounted to 70 data. This research uses the SPSS V.20 application as a data analysis tool which will be described using descriptive statistical methods, classical assumptions, hypothesis testing, and Moderate Analysis Regression (MRA). The research result obtained partially show that EPS a positive and significant influence on stock prices. ROE and inflation have a negative and significant influence on stock prices. And partially, inflation is able to moderate the relationship between EPS on share prices. And inflation is unable to moderate ROE on share prices in financial institution companies.
The role of leverage in mediating the effect of profitability on company value (Case study of manufacturing companies in the food and beverage sub-sector listed on the Indonesia Stock Exchange for the period 2013-2023) Rahma, Shifa Meisyah; Mahmudi, Bambang
Keynesia : International Journal of Economy and Business Vol. 4 No. 1 (2025): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v4i1.1976

Abstract

One important indicator in assessing a company's prospects is its value as reflected in its share price, which is generally influenced by profitability and leverage. In this study, company value is measured using Price to Book Value (PBV), profitability is proxied by Return on Assets (ROA), and leverage is measured through Debt to Equity Ratio (DER) as an intervening variable to assess the mediating role of leverage on the relationship between profitability and company value in food and beverage sub-sector issuers on the IDX. This quantitative study involved all companies in the sub-sector during the period 2013–2023, using purposive sampling, which produced 77 samples. The results show that ROA has a significant positive effect on PBV (t-count 4.651 > t-table 2.012; sig 0.000 < 0.05), while DER has no positive effect on PBV (t-count 1.572 < t-table 2.012). ROA was also found to have a negative effect on DER (tcount -2.785 > ttable 2.011). The Sobel test confirmed that DER did not act as a mediating variable (sig 0.171 > 0.05). Thus, ROA and DER can affect company value, but only the relationship between ROA and PBV and ROA and DER were found to be significant.