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The Influence of Macroeconomic Variables on Non-Performing Loan (NPL) at PT Bank Mandiri (Persero) Tbk Radhianas, Binky Mohammad; Matoati, Rindang; Viana, Eka Dasra; Dewi, Farida Ratna; Kaewlaead, Chuta
GREENOMIKA Vol. 6 No. 1 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.1.6

In recent years, Bank Mandiri's non-performing loan (NPL) ratio has been on a relatively stable decline until the COVID-19 pandemic in 2020 quarter I put pressure on the Indonesian economy. Since then, Bank Mandiri's NPL ratio has increased significantly due to the global economic recession that also occurred in Indonesia in 2020 quarter III. This study aims to analyse the effect of macroeconomic variables such as gross domestic product, inflation, interest rates, and exchange rates on non-performing loans (NPL) specifically at Bank Mandiri. This study uses secondary data in the form of historical data of related variables and Vector Error Correction Model (VECM) to estimate the dynamics of long-term and short-term relationships between variables. The results of this study indicate that macroeconomic variables such as BIRATE, INF, and LNPDB significantly affect Bank Mandiri's NPLs in the long-run dynamics, while LNKURS is statistically significant in the short-run dynamics. Keywords: Macroeconomic, Non-Peforming Loan, VECM

Optimal Portfolio Formation of SRIKEHATI Index Stocks on the Indonesia Stock Exchange (2019-2023 Period) Az-Zahra, Layalia Briliani; Viana, Eka Dasra; Kaewlaead, Chuta
GREENOMIKA Vol. 6 No. 2 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.2.9

The stable economic conditions in Indonesia have had a positive impact, leading to an increase in the number of investors in the Indonesian capital market. One of the key instruments in this market is stocks. The aim of this research is to create an optimal portfolio that can be recommended to investors. The study utilizes the CAPM and Markowitz models and involves the use of secondary data. The research sample selection process makes use of non-probability sampling techniques, specifically purposive sampling. This research focuses on the SRI KEHATI Index for the period from January 2019 to December 2023. Using the CAPM method, 7 efficient stocks have been identified, namely BBCA, BBNI, BBRI, BMRI, JSMR, KLBF, and UNTR. The combination of 7 stocks using the Markowitz model forms two preferences. The first preference generates an allocation proportion with a formula that results in an annual portfolio expected return of 40.55% and an annual portfolio risk of 30.33%. The second preference generates an allocation proportion with a solver that results in an annual portfolio expected return of 46.79% and an annual portfolio risk of 32.91%.

Optimal Portfolio Formation of SRIKEHATI Index Stocks on the Indonesia Stock Exchange (2019-2023 Period) Az-Zahra, Layalia Briliani; Viana, Eka Dasra; Kaewlaead, Chuta
GREENOMIKA Vol. 6 No. 2 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.2.9

The stable economic conditions in Indonesia have had a positive impact, leading to an increase in the number of investors in the Indonesian capital market. One of the key instruments in this market is stocks. The aim of this research is to create an optimal portfolio that can be recommended to investors. The study utilizes the CAPM and Markowitz models and involves the use of secondary data. The research sample selection process makes use of non-probability sampling techniques, specifically purposive sampling. This research focuses on the SRI KEHATI Index for the period from January 2019 to December 2023. Using the CAPM method, 7 efficient stocks have been identified, namely BBCA, BBNI, BBRI, BMRI, JSMR, KLBF, and UNTR. The combination of 7 stocks using the Markowitz model forms two preferences. The first preference generates an allocation proportion with a formula that results in an annual portfolio expected return of 40.55% and an annual portfolio risk of 30.33%. The second preference generates an allocation proportion with a solver that results in an annual portfolio expected return of 46.79% and an annual portfolio risk of 32.91%.

Literasi Keuangan, Financial Self-Efficacy, Orientasi Masa Depan dan Theory of Planned Behavior terhadap Minat Investasi Dana Pensiun Fadilah, Rindi Anti Nur; Viana, Eka Dasra; Matoati, Rindang
Modus Vol. 37 No. 2 (2025): VOL 37 NO 2 (2025)
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v37i2.10592

Indonesia has a large workforce; however, participation in pension programs remains low, with only around 6% or 3,990,234 individuals enrolled. According to a 2020 DPLK survey, only 14% of millennials have a pension plan, despite being among the most financially vulnerable groups when entering retirement. This study aims to examine the influence of financial literacy, financial self-efficacy, future orientation, and factors within the Theory of Planned Behavior on millennials’ interest in investing in pension funds. The research was conducted in the Greater Jakarta area (Jabodetabek) from March to July 2023, utilizing both primary and secondary data, and analyzed using the SEM-PLS method. The findings indicate that future orientation, attitude toward behavior, and perceived behavioral control have a significant influence on millennials’ interest in pension fund investment. Meanwhile, financial literacy, financial self-efficacy, and subjective norms show a positive but not statistically significant effect. These results suggest that fostering a strong future orientation, along with positive attitudes and a sense of control over financial decisions, can enhance millennials’ interest in pension investment. Therefore, targeted efforts are needed to improve financial literacy, boost financial self-efficacy, and strengthen long-term financial awareness among millennials to support better financial preparedness for retirement. Keywords: financial literacy; financial self-efficacy; future orientation; millenials; pension fund. Indonesia memiliki jumlah angkatan kerja yang besar, namun partisipasi dalam program dana pensiun masih rendah, yaitu hanya sekitar 6% atau 3.990.234 orang. Survei DPLK tahun 2020 mencatat bahwa hanya 14% generasi milenial yang memiliki program pensiun, padahal kelompok ini termasuk yang paling rentan secara finansial saat memasuki masa pensiun. Penelitian ini bertujuan untuk mengkaji pengaruh literasi keuangan, financial self-efficacy, orientasi masa depan, serta faktor-faktor dalam Theory of Planned Behavior terhadap minat generasi milenial dalam berinvestasi pada dana pensiun. Penelitian dilakukan di wilayah Jabodetabek selama Maret–Juli 2023 dengan menggunakan data primer dan sekunder serta dianalisis menggunakan metode SEM-PLS. Hasil penelitian menunjukkan bahwa orientasi masa depan, sikap terhadap perilaku (attitude toward behavior), dan persepsi kontrol perilaku (perceived behavioral control) berpengaruh signifikan terhadap minat investasi dana pensiun. Sementara itu, literasi keuangan, financial self-efficacy, dan norma subjektif menunjukkan pengaruh positif tetapi tidak signifikan. Temuan ini menyiratkan bahwa membentuk orientasi masa depan yang kuat, serta meningkatkan sikap positif dan rasa kontrol terhadap keputusan keuangan, dapat mendorong minat berinvestasi dalam dana pensiun. Oleh karena itu, diperlukan upaya yang lebih terarah untuk meningkatkan literasi keuangan, kepercayaan diri dalam mengelola keuangan, dan kesadaran jangka panjang generasi milenial guna menciptakan kesiapan finansial di masa pensiun. Kata kunci: dana pensiun; financial self-efficacy; generasi milenial; literasi keuangan; orientasi masa depan.

The Influence of Financial Literacy, Use of Social Media, and Social Demographic Factors on Consumptive Behavior Muwaffaq, Bahruddin Syah; Dewi, Farida Ratna; Viana, Eka Dasra; Matoati, Rindang
GREENOMIKA Vol. 5 No. 1 (2023): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2022.05.1.1

This research aims to determine (1) to analyze the level of financial literacy of adolescents in Jabodetabek, (2) to analyze the impact of the dimensions of financial literacy on consumptive behaviour, (3) to analyze the impact of social media usage on the consumptive behaviour,4) analyze the impact of socio-demographic factors the consumptive behaviours type of research is quantitative and qualitative, and the data source is primary data (questionnaire). The method used is descriptive analysis method and analysis of Structural Equation Modemodellingartial Least Square (SEM-PLS). The result is level of financial literacy of the late adolescent is well-literate, with a percentage of 44%. Financial knowledge and socio-demographic factors do not significantly affect delinquent adolescent consumptive behaviour. Financial attitudes, financial behaviour and social media usage significantly impact the late adolescent workforce in Jabodetabek.

The Influencer of Perceived Ease of Use, Perceived Risk, and Locus of Control on the Financial Behavior of Fintech Lending Users Akbar Nur Ramadhan; Dasra Viana, Eka
GREENOMIKA Vol. 5 No. 2 (2023): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2023.05.2.21

Along with the development of current technological advances, innovations have emerged in the financial sector that provide online loan services and are called fintech lending. The behavior of borrowing money has also shifted from offline to online due to the convenience features provided during the loan process. This change in behavior can be an opportunity for online loan service providers to making strategies to increase fintech lending users. Therefore, this study aims to examine the effect of perceived ease of use, perceived risk, and locus of control on the financial behavior of fintech lending users. The determination of the sample was carried out using a non-probability sampling technique with a purposive sampling method. The data analysis method used is descriptive analysis technique and SEM-PLS. The results of the analysis show that the perceived ease of use and locus of control variables have a positive and significant effect on financial behavior, while the perceived risk variable does not have a significant effect on the financial behavior of generation Z in fintech lending users in Jabodetabek.

The Influence of Macroeconomic Variables on Non-Performing Loan (NPL) at PT Bank Mandiri (Persero) Tbk Radhianas, Binky Mohammad; Matoati, Rindang; Viana, Eka Dasra; Dewi, Farida Ratna; Kaewlaead, Chuta
GREENOMIKA Vol. 6 No. 1 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.1.6

In recent years, Bank Mandiri's non-performing loan (NPL) ratio has been on a relatively stable decline until the COVID-19 pandemic in 2020 quarter I put pressure on the Indonesian economy. Since then, Bank Mandiri's NPL ratio has increased significantly due to the global economic recession that also occurred in Indonesia in 2020 quarter III. This study aims to analyse the effect of macroeconomic variables such as gross domestic product, inflation, interest rates, and exchange rates on non-performing loans (NPL) specifically at Bank Mandiri. This study uses secondary data in the form of historical data of related variables and Vector Error Correction Model (VECM) to estimate the dynamics of long-term and short-term relationships between variables. The results of this study indicate that macroeconomic variables such as BIRATE, INF, and LNPDB significantly affect Bank Mandiri's NPLs in the long-run dynamics, while LNKURS is statistically significant in the short-run dynamics. Keywords: Macroeconomic, Non-Peforming Loan, VECM

Pengaruh Kualitas GCG, Ukuran Bank dan BOPO terhadap Fraud pada BPD di Sumatera Periode 2017-2024 Fasha, Muhammad Ananda Islami; Matoati, Rindang; Purwanto, Budi; Viana, Eka Dasra
Jurnal Manajemen dan Organisasi Vol. 16 No. 3 (2025): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jmo.v16i3.68989

This study aims to analyze the effect of Good Corporate Governance (GCG) quality, bank size, and the operating expenses to operating income ratio (BOPO) on the frequency of fraud at Regional Development Banks (BPD) in Sumatra during the 2017–2024 period. The main problem addressed is the high risk of fraud in BPDs, which threatens operational stability and public trust. This research employs a quantitative approach using secondary data obtained from annual reports and GCG self-assessment reports. Panel data regression with the Random Effect Model was used for analysis. The results show that bank size has a positive and significant effect on fraud at the 10% level (p = 0.085), while BOPO also has a positive and significant effect at the 10% level (p = 0.062). Meanwhile, GCG quality has a negative but statistically insignificant effect (p = 0.439). These findings indicate that increasing bank size and lower operational efficiency tend to elevate fraud risk, whereas improvements in GCG have not yet shown a significant impact on reducing fraud. The study highlights the importance of improving operational efficiency and strengthening oversight in large BPDs to mitigate fraud risks in regional financial institutions.

Analysis of Factors Influencing Intention to Reuse Stock Applications in Greater Jakarta Fatimatuzzahroh Fatimatuzzahroh; Eka Dasra Viana
Eduvest - Journal of Universal Studies Vol. 5 No. 4 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i4.50046

The number of Single Investor Identification (SID) has grown rapidly in the previous five years. One of the factors that supported this trend was the emergence of stock apps that offered advantages such as accessibility, ease of transactions, and portfolio monitoring. However, there are still obstacles related to the use and utilization of stock applications within the community. This study aimed to analyze the effect of perceived ease of use, perceived usefulness, perceived security and privacy, and trust on the intention to reuse stock applications in Jabodetabek. The data sources consisted of primary data in the form of questionnaires and secondary data in the form of literature studies, with sampling techniques using non-probability sampling through the quota sampling method, with 230 respondents. Data processing and analysis methods in this study included descriptive analysis and SEMPLS. The results showed that perceived ease of use, perceived usefulness, trust, and perceived security and privacy had a positive effect on intention to reuse, while gender had no moderating effect on the use of stock applications.

Financial Literacy and Locus of Control on Financial Management among Beneficiaries of the Sumantri Berseri CSR Program Naina Sabrina Ridya; Farida Ratna Dewi; Eka Dasra Viana; Risky Tri Listirta
Economic and Business Horizon Vol. 5 No. 4 (2026): July
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.5.4.2026.1425

The quality of financial management among rural communities remains low, particularly due to limited financial and digital financial literacy amidst the rapid growth of digital financial services. This study aims to analyze the influence of financial literacy, digital financial literacy, and locus of control on the financial management practices of residents. A quantitative approach was employed, utilizing simple random sampling to select 100 respondents. Data were collected via offline questionnaires and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS software. The results indicate that both financial literacy and digital financial literacy have a positive and significant impact on financial management, whereas locus of control does not have a significant effect. Financial literacy exerts the most dominant influence on enhancing the community’s financial management capabilities. Furthermore, the community’s financial literacy level is classified as “sufficiently literate,” while digital financial literacy falls into the “insufficiently literate” category. The study concludes that improving the quality of community financial management is more effectively achieved by strengthening education on financial and digital financial literacy rather than relying solely on psychological approaches.

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