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All Journal International Journal of Evaluation and Research in Education (IJERE) Jurnal Siasat Bisnis Pendidikan Ekonomi Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Ilmiah Ekonomi Islam Jurnal Pemberdayaan Masyarakat Madani (JPMM) al-Uqud : Journal of Islamic Economics Journal of Economic, Bussines and Accounting (COSTING) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Amwaluna Jurnal Ekonomi dan Keuangan Syariah BISEI: Jurnal Bisnis dan Ekonomi Islam BIMA : Journal of Business and Innovation Management JFAS: Journal of Finance and Accounting Studies Journal of Economics Research and Social Sciences Lumbung Inovasi: Jurnal Pengabdian Kepada Masyarakat Abimanyu: Journal of Community Engagement Jurnal Ekonomika dan Bisnis Islam East Asian Journal of Multidisciplinary Research (EAJMR) Journal Of Human And Education (JAHE) Transformatif: Jurnal Pengabdian Masyarakat Maksigama : Jurnal Ilmiah Hukum Universitas Wisnuwardhana Malang BanKu: Jurnal Perbankan dan Keuangan Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Economics Journal of Educational Management Research BIMA : Journal of Business and Innovation Management JIES : Journal of Islamic Economics Studies Dinamis: Jurnal Pengabdian Kepada Masyarakat ZISWAF: Jurnal Zakat dan Wakaf
Tony Seno Aji
Universitas Negeri Surabaya
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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Comparative Analysis of Bank Efficiency in Indonesia, United States, and China Data Envelope Analysis Approach Putra, Moh. Rizqy Eka; Aji, Tony Seno
East Asian Journal of Multidisciplinary Research Vol. 3 No. 12 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v3i12.12489

Abstract

The rapid advancement of technology has significantly influenced the financial sector, driving the digitalization of banking, especially post-COVID-19. This study analyzes banking efficiency in Indonesia, the United States (US), and China from 2019–2023 using the Data Envelopment Analysis (DEA) method. Results reveal that US banks maintain the highest and most stable efficiency (average 0.99), followed by China with a positive trend (average 0.98), and Indonesia with stable but slightly lower efficiency (average 0.97). Key findings highlight US efficiency stability, China’s upward trend, and Indonesia’s credit risk management challenges. Recommendations include enhancing risk management in Indonesia, sustaining efficiency in the US, and improving cost efficiency in China.
Pengaruh Instrumen Kebijakan Makroprudensial Terhadap Risiko Sistemik Di Indonesia I Made Hegar Danendra Nararya; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 4 No 3 (2024): Desember 2024
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v4i3.65911

Abstract

The 2008/2009 crisis events that had a domino effect throughout the world had a devastating impact on the global economy, including Indonesia. This crisis highlighted the importance of establishing policies that are able to mitigate systemic risk. Macroprudential policies are increasingly encouraged by policy makers, especially by Bank Indonesia. With changes in the policy ratio limits set by Bank Indonesia from year to year, this study will further examine the effect of macroprudential policy instruments on banking systemic risk in Indonesia for the 2019-2023 period. This study will use a quantitative approach with a sample of KBMI IV and KBMI III banks. With the model used, namely the Fixed Effect Model, the results show that the LTV and RIM variables negatively affect systemic risk, but the PLM variable positively affects systemic risk.
Mendorong Literasi Keuangan Digital di Desa Ponokawan, Kecamatan Krian, Kabupaten Sidoarjo Hutabarat , Ruth Eviana; Prabowo, Prayudi Setiawan; Aji, Tony Seno; Fisabilillah, Ladi Wajuba Perdini; Arisetyawan, Kukuh; Nilasari, Aprillia; Saputra, Dimas Galih; Ratnaningsih, Ayu
Abimanyu : Jornal of Community Engagement Vol 6 No `1 (2025): February 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/abi.v6n`1.p82-89

Abstract

Increasing financial literacy and the use of information technology can make a positive contribution to Micro, Small and Medium Enterprises (MSMEs) in terms of improving performance and ensuring business sustainability. Financial literacy helps MSME owners monitor their financial performance periodically, while information technology can be used to expand marketing reach and reach more consumers. Community service carried out by the S1 Economics Study Program of Surabaya State University (UNESA) in Ponokawan Village, Krian District, Sidoarjo Regency, East Java, aims to improve MSME financial literacy. This community service activity is carried out by providing training and assistance to MSMEs in Ponokawan Village. After going through this program, MSME owners in Ponokawan Village now have a better understanding of marketing using information technology through social media. They are also able to do bookkeeping more effectively, allowing them to monitor the financial performance of their business more accurately.
Analisis Manajemen Risiko Perbankan Pada Bank Umum Di Indonesia Periode 2019-2023 Putra, Moh. Rizqy Eka; Pasaribu, Gymnastiar Eka Aurillina; Fisabilillah, Ladi Wajuba Perdini; Aji, Tony Seno
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.65204

Abstract

This research analyzes the impact of NPL (Non-Performing Loans), LDR (Loans to Deposits Ratio), and BOPO (Operating Expenses to Operating Income) on ROA (Return on Assets) in commercial banks in Indonesia during 2019-2023. Using secondary data from financial reports of banks registered on the IDX, multiple regression analysis was carried out using Eviews 12. Purposive sampling technique was used to select six banks that met the criteria, so that the total sample consisted of 30 banks. The research results show that NPLs have a significant negative impact on ROA, reducing bank profitability. LDR and BOPO do not significantly affect ROA, indicating that credit effectiveness and operational efficiency do not directly affect profitability. CAR is also not significant to ROA, possibly due to the absence of profitable capital utilization. Overall, credit risk management and asset quality influence profitability more than operational efficiency and use of funds
Pengaruh Rasio Keuangan Bank Terhadap Profitabilitas Bank Umum Non-Devisa I Made Hegar Danendra Nararya; Daffa Sukma Falih; Farhan Taufiqurrahman; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66062

Abstract

Profitability is one of the most appropriate indicators to measure the financial performance of a bank. This study aims to analyze the effect of bank financial ratios on profitability in non-foreign exchange commercial banks for the 2019-2023 period. The sample of this research is 4 (four) non-foreign exchange commercial banks in Indonesia, with the data analysis method used, namely the panel data regression model with the Fixed Effect Model (FEM) approach. The results showed that the financial ratio NIM has a significant influence and has a positive direction on bank ROA. BOPO financial ratio has a significant influence and has a negative direction on bank ROA. CAR financial ratio has an insignificant influence and has a positive direction on bank ROA.
ANALISIS EFISIENSI PENERAPAN MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN PT BANK NEGARA INDONESIA Nugroho, Muchammad Rio; Haq, Muhammad Hadyul; Hakim, Yusril Rahman; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66076

Abstract

This study aims to analyze the efficiency of risk management implementation on the financial performance of PT Bank Negara Indonesia (Persero) Tbk (BNI) using the Data Envelopment Analysis (DEA) method. The input variables used are Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operating Expenses to Operating Income (BOPO), while the output variables include Return on Assets (ROA) and Return on Equity (ROE). The research findings indicate that perfect technical efficiency (VRSTE = 1.000) was achieved every year during the study period (2019–2023), while full efficiency (CRSTE = 1.000) was only achieved in 2019, 2022, and 2023. In 2020 and 2021, scale efficiency was low, with an average CRSTE over five years of 0.776, indicating that BNI has not fully achieved optimal efficiency in its risk management. The study concludes by emphasizing the need to improve scale efficiency, particularly in certain years, to achieve more optimal financial performance.
PENGARUH BITCOIN DAN EMAS TERHADAP HARGA SAHAM PERBANKAN YANG TERDAFTAR DI BEI Yusril Rahman Hakim; Muchammad Rio Nugroho; Muhammad Hadyul Haq; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66077

Abstract

The banking sector plays a crucial role in Indonesia's economy, making it essential to investigate factors influencing banking stock prices. This study aims to analyze the impact of Bitcoin prices, gold prices, and BI Rate on banking stock prices listed on the Indonesia Stock Exchange from January 2022 to November 2024. The research employs a quantitative approach using panel data regression with a Random Effect Model (REM). The data used are secondary data sourced from Investing.com. The results indicate that Bitcoin prices and BI Rate have a positive and significant impact on banking stock prices, while gold prices show no significant effect. This implies that Bitcoin, as an alternative digital asset, increasingly affects financial market dynamics, whereas gold is more of a safe-haven asset with no direct correlation to banking stocks. The rising BI Rate reflects the positive performance of banking firms, thereby attracting investors' interest. This study provides insights into the roles of alternative investment instruments and monetary policy in shaping the dynamics of banking stock markets.
ANALISIS HUBUNGAN KETIDAKPASTIAN KEBIJAKAN MONETER THE FED TERHADAP PDB DEFLATOR INDONESIA : (ANALISIS HUBUNGAN KETIDAKPASTIAN KEBIJAKAN MONETER THE FED TERHADAP PDB DEFLATOR INDONESIA) Sukma Falih, Daffa; Seno Aji, Tony
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66092

Abstract

This research aims to determine the Fed’s monetary policy relationship as measured using the Monetary Policy Uncertainty (MPU) index, Consumer Price Index, Commodity Exports, and Exchange Rates on GDP on its Causality to Indonesia’s GDP Deflator. This research uses a quantitative approach with quarterly time series data from 2000 to 2023. The data is secondary from the Federal Reserve Economic Data (FRED). In addition, Granger Causality analysis was used to analyze the causality between variables. The results show that there is no bidirectional causality between variables. However, there is only unidirectional causality especially the MPU Index to the GDP Deflator and Export Commodity to the GDP Deflator.
Pelatihan Digitalisasi Pengelolaan Laporan Keuangan Di Desa Tawangsari Kecamatan Taman Sidoarjo Nilasari, Aprillia; Seno Aji, Tony; Hanifa, Nurul; Perdini Fisabilillah, Ladi Wajuba; Hidayati Putri, Risqi Noor; Faris, Moh.; Kharisma, Safa
Journal Of Human And Education (JAHE) Vol. 5 No. 2 (2025): Journal of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v5i2.2448

Abstract

Pelatihan digitalisasi pengelolaan laporan keuangan di Desa Tawangsari, Kecamatan Taman, Kabupaten Sidoarjo, bertujuan untuk meningkatkan keterampilan perangkat desa dan masyarakat dalam mengelola keuangan secara lebih akurat dan efisien. Pengelolaan keuangan manual sebelumnya seringkali menghadapi kendala, seperti kesalahan pencatatan, keterlambatan pelaporan, serta rendahnya transparansi dan akuntabilitas. Melalui pelatihan ini, peserta diberikan materi dan praktik langsung terkait penggunaan perangkat lunak akuntansi digital. Tahapan pelatihan mencakup pre-test, pemberian materi, simulasi pengelolaan keuangan, dan post-test untuk mengevaluasi peningkatan pemahaman. Hasil pelatihan menunjukkan adanya peningkatan signifikan dalam keterampilan peserta, meskipun beberapa masih menghadapi kendala dalam memahami teknologi baru. Digitalisasi terbukti meningkatkan efisiensi, mempercepat proses pelaporan, serta memudahkan pengelolaan data secara lebih transparan dan dapat diaudit. Pelatihan ini diharapkan dapat menjadi model bagi desa lain yang ingin mengadopsi sistem keuangan digital, sekaligus mendukung percepatan transformasi digital di desa. Dengan pendekatan ini, pengelolaan anggaran desa diharapkan lebih transparan, akuntabel, dan mendorong partisipasi masyarakat dalam pembangunan desa.
Literasi Keuangan Digital Sebagai Upaya Pembekalan UMKM Kampung Binaan Go Digital Fisabilillah, Ladi Wajuba Perdini; Aji, Tony Seno; Prabowo, Prayudi Setiawan
Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 2 (2021): Desember 2021
Publisher : Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/dinamis.v1i2.5723

Abstract

Transformasi UMKM terus dilakukan sebagai upaya untuk penguatan UMKM yakni melalui penggunaan teknologi digital. Pesatnya perkembangan teknologi digital di Indonesia yang menumbuhkan berbagai platform digital yang menawarkan inovasi dalam kegiatan produksi, konsumsi kolaborasi dan berbagi memberikan peluang untuk UMKM agar beradaptasi serta bertransformasi. Perumusan masalah ini adalah bagaimana UMKM Kampung binaan Pamekasan melek digital sehingga dapat memanfaatkan digital dalam proses usahanya. Kesimpulan dari kegiatan ini adalah UMKM sudah dapat menggunakan digital marketing, financial teknologi dan inovasi pembayaran pada usahanya. Kekurangan dari kegiatan ini adalah butuh proses yang lama untuk melihat apakah program ini tercapai dengan baik atau tidak, sehingga UMKM masih perlu pendampingan dan mentoring lebih lanjut
Co-Authors Abellia Ferina Abu Zainuddin Achmad Kautsar Afifah, Choirul Anna Nur Ah. Syahril Qisthi Ahmad Ajib Ridlwan Aisyaturrahmah, Auliya Hanifah Akbar, Aldi Maulana Akbar, Mochammad Fahd Albrian Fiky Prakoso Alful Alful laili Ali Fahruddin Aminudin Ma'ruf Anang Kistyanto Andre Dwijanto Witjaksono Anggraini, Ella Zuli Anila Qoni'ah Anindya Rahardian Nugraeni Aprilia Hidayah Arinta Fitriana Arisetyawan, Kukuh Asep Kurniawan A’rasy Fahrullah Bambang Suratman Berliana, Eva Budiarti, Erika Mei Budiono Budiono CHOIRUL ANNA NUR AFIFAH Clarashinta Canggih Daffa Sukma Falih Della Sukma Pitaloka dewi susanti Dimas Galih Saputra Dita Dismalasari Dewi Dwi Maulidia Anggraeni Dzulkiflih Dzulkiflih Eko Wahyudi Ella Zuli Anggraini Ella Zuli Anggraini Erli Diah Ayu Ratnasari Eva Alfiatus Sholikhah Fanani, Ahmad Faizal Farhan Taufiqurrahman Faris, Moh. Faruq, Ahmad Fatih, Muhammad Al Fatmasari, Dwi Fitria, Norma Fitriana, Arinta Frida Ulfah Ermawati Ghozali, Achmad Ainul Hakim, Yusril Rahman Hanifa, Nurul Haq, Muhammad Hadyul Hendry Cahyono Hutabarat , Ruth Eviana I Made Hegar Danendra Nararya Intan Rulisa Islami Irawati, Winaika Irnawati Irnawati Islami, Trinah Asi Juliana Juliana Jun Surjanti Kharisma, Safa Kukuh Arisetyawan Ladi Wajuba Perdini Fisabilillah Laili, Nur Zayyinatul LUCKY RACHMAWATI M. Dzulkifli Wakit Maulitiana, Ajeng Nurin Muchammad Rio Nugroho Muhammad Afdha Alif Almughni Muhammad Akhmal Alamsyah Darmawan Muhammad Hadyul Haq Muhammad Handy Rakhmawan Muhammad Iftitahu Khoiron Muhammad Jihan Mukhammad, Wildhan Mumuh Muhammad Musfidah, Heny Nilasari, Aprillia Noho, Muhammad Dzikirullah Norida Candra Sakti Nugroho, Muchammad Rio Nur Haqiqi, Firda Nurazizah, Eva Nurul Hanifa Pasaribu, Gymnastiar Eka Aurillina Perdini Fisabilillah, Ladi Wajuba Prabowo, Prayudi Setiawan Putra, Moh. Rizqy Eka Rachma Indrarini Rahmatuz Zainiya Salsabilla Raja Zuraidah Rasi Ratnaningsih, Ayu Rida Rosida Risqi Noor Hidayati Putri Rusmini Rusmini Rusmini Rusmini Saifulloh Wisnu Romadhon Sanaji Saputra, Dimas Galih Setya Chendra Shafinar Ismail Sri Abidah Suryaningsih Sukma Falih, Daffa Suryani, Frischa Dwi Suwandi Valentina, Dila Wasil, Mohammad Wenny Restikasari Wenny Restikasari Wildhan Mukhammad Wiwid Widya Sari Yulianah Yusril Rahman Hakim Yuyun Isbanah Zainur Rahman