Article Per Year (5 Year)
p-Index From 2020 - 2025
0.751
P-Index
This Author published in this journals
All Journal Gadjah Mada International Journal of Business AdBispreneur International Journal of Islamic Economics and Finance (IJIEF) JCES (Journal of Character Education Society)
Sapulette, Militcyano Samuel
Unknown Affiliation
Economics, Econometrics & Finance Education Social Sciences

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
The Impact of Industry Concentration on Stability: The Case of Indonesian Islamic-Commercial Banks Santoso, Teguh; Firmansyah, Egi Arvian; Sapulette, Militcyano Samuel; Setiawan, Maman
International Journal of Islamic Economics and Finance (IJIEF) Vol 6, No 2 (2023): IJIEF Vol 6 (2), July 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v6i2.17892

Abstract

This study aims at investigating the impact of the banking industry’s concentration on the stability of Islamic commercial banks in Indonesia. This study used a single country setting of 14 Islamic-commercial banks in Indonesia from 2011 to 2020. The data utilized in this study comprised all Islamic-commercial banks' assets in Indonesia, excluding commercial banks with Islamic business units. The influence of concentration level on the stability of Islamic-commercial banks was investigated using a panel data model. According to Hausman's test, the fixed-effect model is more suitable than the random-effect model. The findings indicate that the “concentration-stability” hypothesis was supported-robust using two concentration level measurements: CR4 and HHI. It is implied that banks tended to be more stable at the higher competition level. From the bank’s specific characteristics, only the cost-to-income ratio significantly influenced the bank's stability, as expected. Other bank-specific characteristics, such as bank size, credit risk, and income diversity, had no substantial influence on observed bank stability. A robustness check was performed by estimating new models that included multiple control variables that did not change the effect of concentration level on the bank’s stability. This study adds to the literature by demonstrating the “concentration-stability” hypothesis in the Indonesian Islamic-commercial banking industry. Moreover, this study’s results confirm the previous study’s findings using different methods and measures of industry concentration. In addition, this study is relevant in the context of the merger action of three large Islamic commercial banks.
PENINGKATAN DAYA SAING DAN PRODUKTIVITAS MELALUI PELATIHAN WAWASAN BISNIS HIJAU BAGI UMKM Dewi, Vera Intanie; Effendi, Nury; Indupurnahayu, Indupurnahayu; Ervani, Eva; Hastuti, Fitri; Aminda, Renea Shinta; Sapulette, Militcyano Samuel
JCES (Journal of Character Education Society) Vol 6, No 1 (2023): Januari
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jces.v6i1.12271

Abstract

Abstrak: Tujuan Program Pengabdian Kepada Masyarakat ini adalah untuk peningkatan pemahaman atas wawasan binis hijau untuk pelaku UMKM untuk peningkatan usaha dan produktivitas. Metode pelaksanaan kegiatan berbentuk sosialisasi dan penyuluhan. Kegiatan ini diikuti oleh sebanyak 111 pelaku usaha. Berdasarkan analisis awal kebutuhan para peserta diperoleh informasi bahwa UMKM masih rendah dalam mengimplementasikan bisnis hijau. Sementara dorongan ke pelaku UMKM menjalankan usahanya yang mengimplementasikan bisnis hijau terus disosialisasikan. Hal ini menarik untuk digali lebih jauh apakah terdapat kendala yang dihadapi ketika mengimplentasikan, kurang tersosialisasikannya dan terbatasnya informasi. Masih terdapat sebanyak 41.4% pelaku usaha yang belum menerapkan bisnis hijau dalam proses bisnisnya. Hasil dari kegiatan ini diketahui seluruh peserta merasakan manfaat dari kegiatan ini yakni peserta mendapatkan peningkatan pemahaman dan pengetahuan mengenai wawasan bisnis hijau. Serta seluruh peserta meningkat kesadarannya akan pentingnya menjalankan bisnis dengan memperhatikan aspek aspek sustainability. Evaluasi kegiatan dilakukan melalui kegiatan interaktif tanya jawab selama kegiatan, game kuis serta umpan balik peserta melalui pengisian formulir online diakhir kegiatan. Berdasarkan hasil evaluasi diketahui bahwa pelaku UMKM merasakan manfaat dari pelatihan, dan mengharapkan adanya tindaklanjut dalam bentuk pendampingan dan pelatihan dengan topik yang mendukung bisnis hijau seperti pengenalan kemasan berbahan alami yang ramah lingkungan, pelatihan pemasaran hijau,dan pelatihan pengelolaan limbah.Abstract: This Community Service Program aims to increase understanding of green business insights for MSME actors to increase business and productivity. One hundred eleven business SMEs attended this training. Based on the initial analysis of the needs of the participants, information was obtained that SME's still needed to be higher in implementing green businesses. Meanwhile, encouragement for SMEs to run their companies that implement green enterprises continues to be socialized. It is interesting to explore further whether obstacles are encountered during implementation, lack of socialization, and limited information. 41.4% of business actors still need to implement green business in their business processes. The results of this training were known to all participants who benefited from this activity, namely, participants gained increased understanding and knowledge about green business. Also, all participants increased their awareness of the importance of running a business by paying attention to sustainability aspects. Evaluation of activities is carried out through interactive question-and-answer activities during activities, quiz games, and participant feedback by filling out online forms at the end of workouts. Based on the evaluation results, it is known that SMEs actors benefit from the training and expect follow-up in the form of assistance and training on topics that support green business such as the introduction of environmentally friendly natural packaging, green marketing training, and waste management training. 
TRANSMISI DAMPAK PANDEMI COVID-19 PADA STABILITAS BANK: STUDI KASUS PERBANKAN DI INDONESIA DI AWAL PANDEMI Santoso, Teguh; Sapulette, Militcyano Samuel; Dyana, Dyana; Dwiputra, Muhammad Faishal Akbar; Muftiadi, Anang
AdBispreneur : Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan Vol 8, No 3 (2023): AdBispreneur : Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausa
Publisher : Departemen Ilmu Administrasi Bisnis, Fakultas Ilmu Sosial dan Ilmu Politik, UNPAD

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/adbispreneur.v8i3.47673

Abstract

The COVID-19 pandemic has caused an unforeseen contraction and a spike in volatility in the financial sector. This study aims to estimate the transmission impact of the spread of the COVID-19 pandemic on banking stability through economic activity and bank performance. Using a simultaneous equation model with panel data from 71 banks from January to June 2020, the study found that control policies caused by an increase in confirmed cases of COVID-19 significantly affected economic output and unemployment. Economic output and unemployment further disseminated the impact of the pandemic on bank profitability and lending, which was then significantly transmitted to bank stability. The findings of this study provide an overview of how the impact of health sector disasters on economic turmoil and banking performance. Hopefully, this finding can be a reference related to policymaking when unprecendented events occur in the future.Pandemi COVID-19 telah menimbulkan kontraksi yang tak terduga dan lonjakan volatilitas pada sektor keuangan. Studi ini bertujuan untuk mengestimasi transmisi dampak penyebaran pandemi COVID-19 terhadap stabilitas perbankan melalui aktivitas ekonomi dan kinerja bank. Menggunakan model persamaan simultan dengan data panel dari 71 bank dari Januari hingga Juni 2020, studi ini menemukan bahwa kebijakan pengendalian yang disebabkan oleh peningkatan kasus terkonfirmasi COVID-19 secara signifikan memengaruhi output ekonomi dan pengangguran. Output ekonomi dan pengangguran selanjutnya menyebarluaskan dampak pandemi pada profitabilitas bank dan penyaluran kredit yang kemudian secara signifikan juga tertransmisikan ke pada stabilitas bank. Temuan dari studi ini memberikan gambaran bagaimana dampak bencana sektor kesehatan terhadap gejolak ekonomi dan kinerja perbankan. Diharapkan temuan ini dapat menjadi referensi terkait pengambilan kebijakan ketika terjadi kejadian yang tak terduga di masa depan.
Do Financial Knowledge and e-Payment Awareness Affect Saving and Spending Behavior? The Mediating Role of Financial Risk Tolerance Dewi, Vera Intanie; Effendi, Nury; Ervani, Eva; Sapulette, Militcyano Samuel
Gadjah Mada International Journal of Business Vol 27, No 2 (2025): May-August
Publisher : Master in Management, Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/gamaijb.83409

Abstract

This study investigates the role of financial risk tolerance in mediating the impact of financial knowledge and e-payment awareness on saving and spending behavior. A total of 400 questionnaires were distributed, with 396 completed by respondents and used for analysis. This research employs partial least squares-based structural equation modeling (PLS-SEM) to validate and estimate the proposed research models, with Smart- PLS software analyzing the data and estimating the relationships between its latent variables. Our study’s estimation provides evidence of the positive and significant role of financial risk tolerance in mediating the impact of financial knowledge and e-payment awareness on spending and saving behavior. This study also reveals differences in the level of financial risk tolerance between male and female participants. Furthermore, the analysis results indicate that most younger people have a risk tolerance level (i.e., risk profile) that falls into the medium (i.e., risk-averse) category in terms of risk speculation, invest- ment risk, and financial risk evaluation.
Co-Authors Dwiputra, Muhammad Faishal Akbar Dyana, Dyana Egi Arvian Firmansyah, Egi Arvian Eva Ervani Fitri Hastuti Indupurnahayu Nury Effendi R. Anang Muftiadi Renea Shinta Aminda Setiawan, Maman Teguh Santoso Vera Intanie Dewi