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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Social Economic of Agriculture SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS AFEBI Management and Business Review IJEBD (International Journal Of Entrepreneurship And Business Development) AFEBI Islamic Finance and Economic Review Journal Of Management Science (JMAS) Business Innovation and Entrepreneurship Journal Cakrawala Management Business Journal Jurnal Akun Nabelo : Jurnal Akuntansi Netral, Akuntabel, Objektif International Journal of Economics, Business and Accounting Research (IJEBAR) Cepalo International Journal of Economics Development Research (IJEDR) ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Management and Sustainable Development Journal Journal of Islamic Economics and Finance Studies Ilomata International Journal of Management Jurnal Pertahanan dan Bela Negara Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Jurnal Bisnis dan Kewirausahaan
Helma Malini
Universitas Tanjungpura
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Profitability Condition With Stylized Fact of Banking Industries in Indonesia, Malaysia and Thailand Helma Malini
AFEBI Management and Business Review Vol. 5 No. 2 (2020): December
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47312/ambr.v5i2.308

Abstract

The survival of banking industries are determined by many factor including profitability earn during the years. Therefore, this study investigates factors affecting profitability of banks in ASEAN. This study uses 10 banks with the largest assets in Indonesia, Malaysia and Thailand with sample studies of 30 banks in ASEAN with 10 years of operationalization duration. Return on assets (ROA) is the dependent variable and the independent variables used are non-performing loans (NPL), capital adequacy ratios (CAR), total assets (Size), loan-to-deposit ratio (LDR), domestic product growth gross (GDP growth), inflation, interest rates and exchange rates. Data is processed using panel data regression with the Cochrance Orcutt method on the basis of the Common and Fixed Effect Model with the combination of stylized facts among each countries. The final results of this study are varied among countries. In Indonesia only NPLs have a significant significance of ROA, which is a significant negative. In Malaysia, only the exchange rate is significant to ROA, which is a significant negative. In Thailand, only NPI has a significant effect on ROA, which is a significant negative. Overall in Southeast Asia, only NPLs, interest rates and exchange rates significantly affect ROA, which is a significant negative. In other independent variables, it does not have a significant effect on ROA.
The Impact of the United States of America and China Export Rate Setting on Wealth and Liquidity of Shareholders Helma Malini; Herry Giovandi
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 5, No. 4, December 2021
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v5i4.311-324

Abstract

The US-China trade war began in 2017 when both countries-imposed tariffs onproduct imports. The purpose of this study is to examine the effect of policy onshareholder prosperity (as measured by variable abnormal returns) and stock liquidity (asmeasured by variable volume trading activity) on the Indonesian Stock Exchange. Thedescriptive statistics, normality test, and paired sample t-test are used to analyse the datawhere sources of data in this study are secondary data. Secondary data in this study takenfrom the daily price of shares listed on the Indonesia Stock Exchange, especially stockslisted in LQ45 index from 27th June 2018 – 17th July 2018. The findings of this studyindicate that the United States and China's export-import tariff policies on 6th July 2018 donot have significant differences in terms of return and average trading volume. This meansthat the policy contains no information that could be used to influence investor decisionson the Indonesian Stock Exchange.
The Role of Financial Literacy and Entrepreneurial Orientation on MSME Sustainability: The Mediating Effect of E-Commerce Endang Kristiawati; Giriati; Wendy; Helma Malini
AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Vol. 8 No. 2 (2024)
Publisher : Asia Pacific Network for Sustainable Agriculture, Food and Energy (SAFE-Network)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29165/ajarcde.v8i2.383

Abstract

MSMEs play an important role, but there are still many problems to improve their performance. The effect of financial literacy and entrepreneurial orientation on general performance is the purpose of this study. This research was conducted at MSMEs in Pontianak City and Singkawang City. The research method used is descriptive quantitative. Quantitative research is an attempt by a researcher to gain knowledge by providing data in the form of numbers which will then be used to analyze information. The data used in this research is primary data. The soil test results show that the significance value of the two-tailed test is 0.00 <0.05, so e-commerce can mediate the effect of financial literacy on MSME performance. The Sobel test results also show that the significance value of the two-tailed test is 0.00 <0.05, so e-commerce can mediate the effect of Entrepreneurial Orientation on MSME performance. Understanding financial literacy and the use of e-commerce will help MSMEs manage their finances and leverage business opportunities more effectively, as well as make it easier to access financial resources needed for business sustainability.
The Effect of Risk Profile, Profitability, and Capital on Profit Growth of Indonesian Digital Banks Yulianingsih, Tanti; Listiana, Erna; Malini, Helma; Wendy; Giriati
Ilomata International Journal of Management Vol. 5 No. 1 (2024): January 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v5i1.981

Abstract

Digital Bank is a bank innovation that is very popular today because it provides convenience in transactions. The large number of digital bank enthusiasts makes researchers interested in researching the health of digital banks. This study will investigate how much influence the bank's health level has on the profit growth of digital banks, as measured by the risk profile using NPL and LDR indicators, GCG with institutional ownership, Profitability with ROA indicators, and Capital with CAR indicators. This study utilized panel data regression analysis techniques. The Population in this study are all digital banks registered on IDX, and sampling was performed using purposive sampling techniques, so there are nine banks as a sample from 20 banks. Secondary data research using documentation study methods and literature studies for data collection. This study relies on financial statements obtained from the official web pages of every digital bank and www.idx.co.id as its data source. The research results obtained are ROA was discovered to have a statistically significant positive impact on profit growth, while NPL, LDR, CAR, and GCG had no impact. LDR and ROA were discovered to have a statistically significant positive impact on GCG, whereas NPL and CAR had no impact. According to indirect testing, GCG could not mediate the relationship between NPL, LDR, ROA, and CAR on profit growth.
The effect of perceived organizational support on organizational citizenship behavior mediated by employee engagement and employee development in F&B employees in Indonesia Anggraeni, Sufi; Malini, Helma; Saputra, Pramana
Junal Ilmu Manajemen Vol 8 No 1 (2025): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v8i1.580

Abstract

The food and beverage industry, both nationally and internationally, has been an essential factor in Indonesia's economic development and contributes significantly to GDP and employment. With increasing globalization and rapidly changing consumer preferences, business owners and entities operating within this sector will face more challenges. One of the challenges facing the F&B industry today is the effort to increase productivity. In this case, Organizational Citizenship Behavior is essential to increase employee productivity and performance. However, F&B industry employees still have low OCB levels. Perceived organizational support is needed to optimize the formation of OCB behavior. In addition, Employee Engagement and Employee Development are also considered to help improve Organizational Citizenship Behavior. In this instance, the study intends to investigate how perceived organizational support influences organizational citizenship behavior and ascertain how employee engagement and development function as mediators. This study employs a quantitative methodology using the Partial Least Squares in the Smart PLS version 4.0 application and the Structural Equation Modeling (SEM) PLS research method. With a sample of 180 respondents, the study's population consisted of all F&B workers in Indonesia. According to the survey, employee engagement mediates between perceived organizational support and organizational citizenship behavior. However, employee development does not show this impact. These results give human resource managers in Indonesia's F&B industry an important direction on boosting employee engagement and organizational support to promote constructive and pleasant workplace behaviors.
Analysis of financial ratios on firm value: Testing dividend policy as moderation Sartika, Lili; Malini, Helma; Azazi, Anwar; Mustika, Uray Ndaru
Junal Ilmu Manajemen Vol 8 No 1 (2025): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v8i1.586

Abstract

The purpose is to investigate the influence of profitability, solvency, and liquidity upon firm value and moderation of dividend policy from the IDX Kompas100 Index, with an analysis duration from 2020-2023 with a total of 122 observations. A purposive sampling approach is applied in this analysis, with criteria for firms that live consistently on the Kompas100 index, distribute dividends within analysis time, have profitable revenue, and are capable of meeting long-term and short-term debts. This research employs MRA with SPSS software. The outcome shows that profitability and liquidity have a positive result on firm value. Meanwhile, solvency shows an adverse influence on firm value. Additionally, dividend policy is able to moderate and intensify the outcome of solvency upon the firm value and weaken liquidity impact upon firm value, but it shows no sign of moderating effect on profitability upon firm value.
Financial literacy and financial technology on the personal finance behavior of generation z Perawati, Perawati; Juniwati, Juniwati; Malini, Helma; Azazi, Anwar; Mustika, Uray Ndaru
Junal Ilmu Manajemen Vol 8 No 1 (2025): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v8i1.589

Abstract

The Indonesian economy is experiencing significant expansion, driven by technological advancements, with financial literacy being crucial to enhancing understanding and financial education among Generation Z in West Kalimantan. The present research aims to examine the influence of financial literacy on the personal financial behavior of Generation Z, both directly and via lifestyle as a mediating variable, while also analyzing the direct impact of financial technology on their personal finances. This study employed a qualitative research technique utilizing a causal associative method, involving a sample of 247 respondents from Generation Z in West Kalimantan. Data were gathered via surveys and analyzed via structural equation modelling (SEM) with SmartPLS 4.0 software. Research findings indicate that financial literacy has a positive and significant influence on the personal finance behavior of Generation Z, with lifestyle serving as an effective mediator. The results underscore the significant of financial literacy and lifestyle in influencing improved financial behavior among Generation Z, with implications for developing more effective financial education programs.
Technology firm value: The role of intellectual capital, enterprise risk management, and sustainability reporting Anura, Dhea; Fahruna, Yulyanti; Azazi, Anwar; Malini, Helma; Syahputri, Anggraini
Junal Ilmu Manajemen Vol 8 No 1 (2025): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v8i1.590

Abstract

This study examines the impact of intellectual capital, enterprise risk management, and sustainability reporting on the value of technology firms listed on the Indonesia Stock Exchange. Furthermore, this study investigates the moderating effect of profitability on the relationships above. A purposive sampling technique was employed to select a sample of 20 technology companies. Secondary data was collected from 2021 to 2023, yielding 60 observations. Moderated regression analysis (MRA) within a panel data framework was adopted for data analysis in this study. The research findings indicate that only intellectual capital exhibits significant positive associations with firm value. Conversely, enterprise risk management and sustainability reporting do not substantially influence firm value. Profitability could not moderate the relationships between intellectual capital, sustainability reporting, and firm value. Nevertheless, it moderated the relationship between enterprise risk management and firm value. The implications of these findings are expected to enrich both the theoretical and practical knowledge of firm value.
Do perceived risk and perceived value impact the adoption of cashless system? Salomo, Oloan; Giriati, Giriati; Syahputri, Anggraini; Malini, Helma; Azazi, Anwar
Junal Ilmu Manajemen Vol 8 No 1 (2025): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v8i1.592

Abstract

For the modernization of society, the adoption of technology is needed. It is very important to understand the factors that influence society's behavior toward accepting cashless system technology. People make risks and benefits as decision-making materials. In this study, we use internal factors from the UTAUT model and the influence of perceived risk and perceived value as intervening variables on the intention to use cashless systems. To collect data, we distributed questionnaires online, resulting in 119 samples that we used for further tests. The results of this study indicate that effort expectancy and perceived value have a direct influence on the intention to use cashless systems, while performance expectancy and perceived risk do not. The results of the Sobel test show that performance expectancy and effort expectancy have an influence on the intention to use cashless systems with perceived value as an intervening variable. From these results, cashless system technology providers maximize benefits, especially in ease of use. The disadvantage of this study is that the number of samples is not too large.
ENHANCING BANKING FUTURE PERFORMANCE: REVALUATION AND BOOK-TO-MARKET RATIO Magdalena, Maria; Heriyadi, Heriyadi; Malini, Helma; Azazi, Anwar; Mustika, Uray Ndaru
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15537

Abstract

The banking sector played a crucial role in global economic stability, supporting financial and investment activities. Prior to making funding decisions within the banking sector, investors required reliable information disclosure. The assessment of book value and asset management were strategic steps that provided a precise representation of the company’s fundamental value, compared to volatile market value. This research aimed to investigate how the book-to-market ratio mediated the relationship between asset revaluation, return on assets, debt equity ratio, and future financial performance (ROE). Employing quantitative approach with multiple regression analysis using EViews 13. Path analysis was utilized to examine the mediation effect. This research conducted an unbalanced panel analysis consisting of 80 observations from 30 Indonesian banks listed on the Indonesia Stock Exchange from 2014 to 2022 that fulfilled the sampling criteria. Data is derived from annual financial reports and selected through purposive sampling criteria focused on the presence of asset revaluation. The finding of this research indicated that asset revaluation negatively affects the book-to-market ratio when ROA has a positive relationship. ROA and book-to-market ratio positively affect debt equity ratio. Then, ROA has a significant positive impact on banking future performance, while DER has a significant negative relationship. Conversely, the book-to-market ratio proven can mediate the relationship between asset revaluation and debt equity ratio
Co-Authors Alifah Nurrahmani Putri Anggraeni, Sufi Anggraini Syahputri Anura, Dhea Anwar Azazi Benedict Valentine Arulanandam Djihan Islahiyah Dyen Natalia Edwin Suwantono Endang Kristiawati Erna Listiana Fahruna, Yulyanti Fitratama, Venu Fransisca, Linda Giriati Giriati Giriati Giriati Giriati Giriati Giriati, Giriati Harry Setiawan Heriyadi, Heriyadi Hermawati, Yuni Herry Giovandi Ibnu Aswat Isfahan, Saif Raafi'in Juniwati Juniwati Maria Magdalena Muhammad Afif Mustika, Uray Ndaru Perawati Perawati, Perawati Pramana Saputra Purmono, Bintoro Bagus Rafles Ginting Risal Rizqi Maghribi Salomo, Oloan Sartika, Lili Syahputri, Anggraini Wendy Wendy Yulianingsih, Tanti