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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Keuangan dan Perbankan Jurnal Riset Akuntansi dan Keuangan Jurnal Ekonomi, Manajemen Akuntansi dan Perpajakan (Jemap) Agrisocionomics: Jurnal Sosial Ekonomi Pertanian JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN International Journal of Social Science and Business Jurnal Samudra Ekonomi dan Bisnis Bantenese Jurnal Pengabdian Masyarakat Perspektif Akuntansi Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Jurnal Manajemen dan Kewirausahaan Jurnal Ilmiah Bisnis, Manajemen, dan Akuntansi Manager : Jurnal Ilmu manajemen
Samuel Martono
Universitas Kristen Satya Wacana
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Pengelolaan Keuangan Pribadi Mahasiswa FEB Universitas Kristen Satya Wacana Pratita, Dinda Oktaviana; Martono, Samuel
Jurnal Samudra Ekonomi dan Bisnis Vol 15 No 2 (2024): JSEB
Publisher : Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v15i2.9225

Abstract

Developments in this era really support changes in human life, for example technological developments which have an impact on the lifestyle of the younger generation. In other words, the younger generation needs to know how to manage finances well. Meanwhile, there are still many young people, especially students, who are mostly not good at managing their finances. This research is therefore needed to determine personal financial management in terms of financial literacy and student financial attitudes. Research questionnaires were distributed to 226 FEB UKSW students class of 2020, then the data was tested using the multiple regression method, with the help of SPSS 23 software. The results of the analysis prove that there is an influence between financial literacy and financial attitudes on personal financial management in students simultaneously.
Financial Risk and Performance of National Private Foreign Exchange Commercial Bank: Moderating Effects of Bank Size Olivia, Chintya; Atahau, Apriani Dorkas Rambu; Martono, Samuel
Jurnal Keuangan dan Perbankan Vol 26, No 1 (2022): January 2022
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v26i1.6268

Abstract

This study aims to analyze the effect of risk on financial performance and the moderating effect of bank size on the relationship between risk and financial performance. This study uses seven Foreign Exchange National Private Commercial Banks listed on the IDX 2015-2019 as the samples. The analytical method used is a panel data regression model with STATA 16.0 software. Empirical results show that liquidity and credit risk have no effect on financial performance. Market risk has a significant positive effect on financial performance while operational risk has a significant negative effect on financial performance. Bank size  moderate the effect of liquidity and credit risk on financial performance but failed to moderate the effect of market and operational risk on financial performance. These findings imply that national foreign exchange private commercial banks listed on the IDX for the 2015-2019 period should pay attention to the market and liquidity risks as those risks affect banks’ profitability, especially for large banks.
PENGARUH INKLUSI KEUANGAN, LITERASI KEUANGAN DAN PENGELOLAAN KEUANGAN TERHADAP KINERJA UMKM DI KOTA SALATIGA Martono, Samuel; Febriyanti, Rania
JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Vol. 11 No. 2 (2023)
Publisher : UNIVERSITAS NEGERI SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jepk.v11n2.p153-168

Abstract

Community-based economic development is one that the government is planning through the SME sector. There is no doubt about the importance of the SME sector to the Indonesian economy. The percentage of the national workforce absorbed by SMEs is around 97% and they contribute around 57% of the Gross Domestic Product (GDP). SMEs also play an important role in helping improve the community's economy at the city and district level. This is because SMEs are quite large producer and consumer entities. In addition, SMEs are more resilient, making them more resistant to economic and monetary crises. Because the role played by SMEs is economically very significant in driving people's income and welfare, the sustainability of SMEs is very important to note. The purpose of this research is to look at the relationship between financial inclusion and the performance of SMEs, to see the relationship between financial literacy and the performance of SMEs, to Community-based economic development is one that the government is planning through the SME sector. There is no doubt about the importance of the SME sector to the Indonesian economy. The percentage of the national workforce absorbed by SMEs is around 97% and they contribute around 57% of the Gross Domestic Product (GDP). SMEs also play an important role in helping improve the community's economy at the city and district level. This is because SMEs are quite large producer and consumer entities. In addition, SMEs are more resilient, making them more resistant to economic and monetary crises. Because the role played by SMEs is economically very significant in driving people's income and welfare, the sustainability of SMEs is very important to note. The purpose of this research is to look at the relationship between financial inclusion and the performance of SMEs, to see the relationship between financial literacy and the performance of SMEs, to
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN FINTECH LENDING Martono, Samuel
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 10, No 3 (2021): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (382.305 KB) | DOI: 10.26418/jebik.v10i3.45827

Abstract

ABSTRACTThis study aims to examine the determinants of the developed Technology Acceptance Model (TAM) framework. The author used stratified random sampling, and data collection used a survey method. The analysis technique used is multiple regression analysis and path analysis using the IBM SPSS 25 software. The results show that perceived ease of use and perceived risk do not influence attitude towards fintech lending. In contrast, perceived usefulness, relative advantage, and perceived cost influence it, and attitude influences intention to use fintech lending behavior. Moreover, the attitude has a partial mediation role only in the relationship between perceived usefulness and relative advantage to fintech lending using intention. These results support the original model of TAM that states perceived ease of use has a nonsignificant effect on attitude towards using behavior. It suggested that financial technology services foster users to use fintech lending through various ways to tell it is easy enough to use and able to protect users' secure data and information. This study also contributes to giving more empirical evidence for other variables to modify and develop the Technology Acceptance Model.JEL : G23, G41, G51.  Keywords : Technology Acceptance Model, financial technology, lending.  ABSTRAKPenelitian ini bertujuan untuk menguji faktor-faktor pada kerangka kerja yang merupakan pengembangan dari Technology Acceptance Model (TAM). Peneliti menggunakan metode stratified random sampling dan pengumpulan data dilakukan dengan menggunakan metode survey. Teknik analisis yang digunakan adalah uji regresi berganda dan uji jalur dengan bantuan perangkat lunak IBM SPSS 25. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived risk tidak memberikan pengaruh pada sikap terhadap fintech lending. Sebaliknya, perceived usefulness, relative advantage dan perceived cost justru memberikan pengaruh, serta sikap memberikan pengaruh terhadap minat untuk menggunakan fintech lending. Lebih lanjut, sikap memilki mediasi parsial hanya pada hubungan antara perceived usefulness dan relative advantage terhadap minat untuk menggunakan fintech lending. Hasil penelitian ini mendukung model awal TAM yang menyatakan bahwa perceived ease of use memberikan pengaruh yang tidak signifikan terhadap sikap untuk menggunakan. Disarankan bagi penyedia jasa keuangan berbasis teknologi untuk mendorong pengguna fintech lending melalui berbagai langkah untuk menyampaikan kemudahan penggunaan dan fintech mampu melindungi data dan informasi pengguna yang bersifat rahasia. Penelitian ini juga berkontribusi untuk memberikan bukti empiris pada berbagai variabel yang digunakan untuk memodifikasi dan mengembangkan Technology Acceptance Model.
ANALYSIS OF THE INFLUENCE OF THE COVID-19 PANDEMIC ON MANAGERIAL OWNERSHIP AND DIVIDEND POLICY IN INDONESIA: LITERATURE REVIEW Putri, Eka Mutiara; Martono, Samuel
Manager : Jurnal Ilmu Manajemen Vol. 7 No. 1 (2024): Manager : Jurnal Ilmu Manajemen
Publisher : Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This article examines the impact of the crisis due to the Covid-19 pandemic and managerial ownership on dividend policy. The purpose of writing this article is to analyze existing theories by comparing existing theories in several previous articles in the research literature. The literature review used is literature from reviews and journals that are related and appropriate to national and international financial management. All articles used come from Mendeley and Google Scholar literacy data. The reason for conducting qualitative research is because qualitative research has an exploratory nature. Next, an in-depth discussion was carried out and linked to the literature review which had been reviewed as a basis for formulating a hypothesis, then continued by comparing it with the results of previous research findings to reveal the truth of the existing theory. The method used in this research is a Systematic Literature Review or SLR which contains a description of theoretical findings and other research materials regarding dividend policy and managerial ownership during the Covid-19 pandemic. The results of this research are that companies tend to increase dividend distribution during the crisis caused by the pandemic in an effort to provide a positive signal to investors and support trading conditions in the capital market. Apart from that, the company also maintains the dividend level as a strategy to maintain investor confidence and the stability of the company's operations. Factors such as profitability and previous year's dividends have also been proven to have a positive influence on a company's dividend policy during crisis conditions. These findings provide important contributions for practitioners, academics, and further analysis in understanding the impact of the pandemic on company dividend policies as well as the importance of dividend policy strategies that are adaptive and responsive to unexpected external conditions.
Factors Contributing to Corporate Farming Adoption Decision and Their Impact on Farmers’ Human Resources Performance Lieli Suharti; Hani Sirine; Samuel Martono
Agrisocionomics: Jurnal Sosial Ekonomi Pertanian Vol 10, No 1 (2026): Maret 2026
Publisher : Faculty of Animal and Agricultural Science, Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/agrisocionomics.v10i1.26634

Abstract

Corporate farming enhances agricultural efficiency and productivity, boosting sectoral competitiveness. Despite the Indonesian government’s efforts to establish corporate farming in multiple districts, the outcomes have fallen short of expectations. This study investigates factors influencing farmers’ decisions to adopt corporate farming and its effects on improving farmers' human resource (HR) performance. Key factors analyzed include support from farmer groups (Poktan), government, social networks, partnerships with the Business and Industrial World (DUDI), and initiator roles. Using data from 142 farmers in Temanggung and Wonosobo districts, collected through structured questionnaires and analyzed with SEM via SmartPLS 3.0, the study reveals that farmer decisions to adopt corporate farming are significantly influenced by Poktan support, government support, social support, and the initiator role. However, these decisions have no significant impact on HR performance. On the other hand, Poktan support, government support, and partnerships with DUDI directly enhance HR performance. To promote corporate farming, the study emphasizes the importance of strengthening Poktan, government, and social supports, alongside initiator roles. Furthermore, corporate farming activities require support from a highly skilled farmer workforce. The study also highlights the role of external factors, like DUDI partnerships, in improving HR performance. By integrating variables from the Technology Acceptance Model (TAM) into the agricultural sector, this study enriches the literature on corporate farming adoption and its impact on HR performance.
Penilaian Kesehatan Bank Digital Menggunakan CAMEL dan RGEC Samuel Martono
Jibaku: Jurnal Ilmiah Bisnis, Manajemen dan Akuntansi Vol. 6 No. 2 (2026): Juli
Publisher : Universitas Ngudi Waluyo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35473/jibaku.v6i2.5141

Abstract

This study aims to analyze the health level of digital banks listed on the Indonesia Stock Exchange (IDX) using the CAMEL and RGEC methods to assess which digital banks are good investment choices. The CAMEL method assesses aspects of capital, asset quality, management, profitability, and liquidity, while the RGEC method covers risk profiles, good governance, profitability, and capital. The objects of this study are nine digital banks listed on the Indonesia Stock Exchange: Bank Jago, Bank Aladin Syariah, Allo Bank, Bank MNC Internasional, Amar Bank Indonesia, Bank Raya, Bank Neo Commerce, Bank Capital Indonesia, and Bank QNB Indonesia. The observation period is 2019 to 2023 and the research data is obtained from the financial statements of the nine digital banks for the period 2019-2023. The results of the study indicate that there are four banks that have a stable health level throughout the current period and therefore can be good choices for investment: Bank Neo Commerce, Bank Raya, Bank Capital, and Bank MNC Internasional. Abstract This study aims to analyze the health level of digital banks listed on the Indonesia Stock Exchange (IDX) using the CAMEL and RGEC methods to assess which digital banks are good investment choices. The CAMEL method assesses aspects of capital, asset quality, management, profitability, and liquidity, while the RGEC method covers risk profiles, good governance, profitability, and capital. The objects of this study are nine digital banks listed on the Indonesia Stock Exchange: Bank Jago, Bank Aladin Syariah, Allo Bank, Bank MNC Internasional, Amar Bank Indonesia, Bank Raya, Bank Neo Commerce, Bank Capital Indonesia, and Bank QNB Indonesia. The observation period is 2019 to 2023 and the research data is obtained from the financial statements of the nine digital banks for the period 2019-2023. The results of the study indicate that there are four banks that have a stable health level throughout the current period and therefore can be good choices for investment: Bank Neo Commerce, Bank Raya, Bank Capital, and Bank MNC Internasional.
Co-Authors Apriani Dorkas Rambu Atahau Camelia Idriana Kurniadi David Adechandra Ashedica Pesudo Febriyanti, Rania Febrynanda, Trivena Gracella Theotama Hani Sirine Jean Stevany Matitaputty Lieli Suharti Lorensia Fidelia Charita Mu'amar Andi Karunianto Nathaniel Pamela Santosa NURUL RAHMAWATI Obi Sepanya Napitupulu Olivia, Chintya Orlando Samuel Tejanagara Pratita, Dinda Oktaviana Pratiwi, Siska Gita Putri, Eka Mutiara Robiyanto Robiyanto Robiyanto, Robiyanto Stanislaus Kostka Wiyar Galih Ovika Theresia Woro Damayanti Tunggul Wibisono Priambudi Yuvica Lara Rovantiane Adicondro