Article Per Year (5 Year)
p-Index From 2021 - 2026
0.961
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Journal of Research on Business and Tourism Journal of Comprehensive Science Jurnal Multidisiplin Indonesia
R. Bambang Budhijana
STIE Indonesia Banking School
Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Veterinary

Published : 8 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 8 Documents
Search

 1 
Analisis Pengaruh Pertumbuhan Ekonomi, Index Pembangunan Manusia (IPM) dan Pengangguran Terhadap Tingkat Kemiskinan Di Indonesia Tahun 2000-2017 R. Bambang Budhijana
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol 5, No 1 (2019): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Ba
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v5i1.170

Abstract

Indonesia is a country that is still classified as a developing country, and poverty is a problem that is the center of attention. The problem of poverty can be seen from the factors that influence it. These factors in-clude slow economic growth, low human development index, and increasing unemployment. So, this study aims to determine the effects of the factors mentioned above. This study uses a quantitative approach. The data used in the form of secondary data in Indonesia from 2000 to 2017. Data analysis techniques in this study using multiple linear regression analysis. The results showed that: (1) Economic Growth Variable had no significant negative effect on Poverty Rate in Indonesia. (2) Human Development Variable Index has a significant negative effect on Poverty Rate in Indonesia. (3) Unemployment Variable has a signifi-cant positive effect on Poverty Rate in Indonesia. Indonesia adalah negara yang masih diklasifikasikan sebagai negara berkembang, dan kemiskinan adalah masalah yang menjadi pusat perhatian. Masalah kemiskinan dapat dilihat dari faktor-faktor yang mempengaruhinya. Faktor-faktor ini termasuk pertumbuhan ekonomi yang lambat, indeks pembangunan manusia yang rendah, dan meningkatnya pengangguran. Jadi, penelitian ini bertujuan untuk mengetahui efek dari faktor-faktor yang disebutkan di atas. Penelitian ini menggunakan pendekatan kuantitatif. Data yang digunakan berupa data sekunder di Indonesia dari tahun 2000 hingga 2017. Teknik analisis data da-lam penelitian ini menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa: (1) Variabel Pertumbuhan Ekonomi tidak berpengaruh negatif signifikan terhadap Tingkat Kemiskinan di In-donesia. (2) Indeks Variabel Pembangunan Manusia memiliki pengaruh negatif yang signifikan terhadap Tingkat Kemiskinan di Indonesia. (3) Variabel Pengangguran memiliki pengaruh positif signifikan ter-hadap Tingkat Kemiskinan di Indonesia.
Analisis Pengaruh Kinerja Keuangan, Leverage, CSR, Dan Keputusan Investasi Ter-hadap Nilai Perusahaan Dengan GCG Sebagai Variabel Moderasi Pada Perusahaan Manufaktur Periode 2012-2017 Diah Budhiani Hastuti; R. Bambang Budhijana
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol 6, No 2 (2020): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Ba
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v6i2.252

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kinerja keuangan (ROA), leverage (DER), tanggung jawab sosial perusahaan (CSR) dan pengambilan keputusan investasi (PER) terhadap perusahaan nilai (Tobin’s Q) dengan kepemilikan manajerial sebagai variabel moderat pada perusahaan manufaktur di 2012 - 2017. Penelitian ini menggunakan analisis regresi linier berganda dengan alat bantu Eviews 9. Hasil penelitian ini dapat diringkas sebagai berikut: 1) Kinerja keuangan (ROA) memiliki berpengaruh positif dan signifikan terhadap nilai perusahaan. 2) Leverage (DER) negatif dan berpengaruh signifikan terhadap nilai perusahaan. 3) CSR tidak berpengaruh signifikan terhadap nilai pe-rusahaan.4) Pengambilan keputusan investasi (PER) tidak signifikan terhadap nilai perusahaan. Kepemilikan manajerial memoderasi antara leverage dan CSR terhadap nilai perusahaan, sebaliknya kepemilikan manajerial tidak dapat memoderasi hubungan antara kinerja keuangan dan pengambilan kepu-tusan investasi terhadap nilai perusahaan.
Game Changer in Payment Method: Factors Influencing Users Intention to Use QRIS Halley Christoforus Rettob; Batara Maju Simatupang; R. Bambang Budhijana; Antyo Pracoyo
Journal of Research on Business and Tourism Vol. 6 No. 1 (2026): Journal of Research on Business and Tourism
Publisher : Lembaga Penelitian Publikasi dan Pengabdian Masyarakat LSPR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37535/104006120264

Abstract

Payment system has undergone continuous changes, and the evolving landscape shows how QRIS (Quick Response Code Indonesia Standard) is changing Indonesian society preference of payment. The study explores the driving factors of users’ intention to adopt the QRIS through the lens of modified UTAUT framework to see whether users’ emotions correlate toward their Intention. Analysis is done through quantitative descriptive approach using PLS-SEM, with data collected from 109 QRIS users in the Greater Jakarta (Jabodetabek) area using a non-probability convenience sampling technique. The results show that Behavioral Intention has a significant effect on Intention to Use and bridges (mediates) the relationships between Social Influence, Effort Expectancy, and Performance Expectancy toward Intention to Use. In contrast, direct effects from Social Influence, Effort Expectancy, and Performance Expectancy have limited significance on Intention to Use. These findings suggest that QRIS adoption operates as a behavioral-driven process, highlighting the importance of strengthening users’ Behavioral Intentions to accelerate digital payment adoption. The study contributes to the digital payment literature by positioning QRIS as a transformative innovation in Indonesia’s payment system.
Analisis Faktor-Faktor Internal yang Berpengaruh Terhadap Pertumbuhan Kredit (Studi Kasus Pada PT. Bank Pembangunan Daerah Papua Periode 2009 – 2024) Omilka Toban; R. Bambang Budhijana; Enny Haryanti; Antyo Pracoyo
Journal of Comprehensive Science Vol. 5 No. 3 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i3.4106

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor internal terhadap pertumbuhan kredit pada PT Bank Pembangunan Daerah Papua (Bank Papua) selama periode 2009–2024. Faktor internal yang dianalisis meliputi Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), serta Pemanfaatan Teknologi. Pertumbuhan kredit digunakan sebagai variabel dependen dalam penelitian ini. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linear berganda. Data yang digunakan merupakan data sekunder berupa laporan keuangan tahunan Bank Papua selama periode pengamatan. Sebelum dilakukan pengujian hipotesis, data dianalisis menggunakan statistik deskriptif dan diuji dengan uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi. Hasil penelitian menunjukkan bahwa secara parsial Loan to Deposit Ratio (LDR), dan Pemanfaatan Teknologi berpengaruh positif signifikan terhadap pertumbuhan kredit. Sementara itu, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap pertumbuhan kredit. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap pertumbuhan kredit Bank Papua.
Pengaruh Literasi, Inklusi, Akses Keuangan terhadap Keputusan Pengambilan Kredit UMKM Bank Maluku Malut dengan Suku Bunga Kredit Sebagai Variabel Moderasi Epafroditus Elisa Wedilen; Batara M. Simatupang; R. Bambang Budhijana; Antyo Pracoyo
Journal of Comprehensive Science Vol. 5 No. 6 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i6.4196

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam perekonomian nasional, namun masih menghadapi kendala akses permodalan, terutama di wilayah timur Indonesia seperti Maluku dan Maluku Utara. Penelitian ini bertujuan untuk mengtahui, menguji dan menganalisis pengaruh literasi keuangan, inklusi keuangan, dan akses keuangan terhadap keputusan pengambilan kredit UMKM di Bank Maluku Malut, dengan suku bunga kredit sebagai variabel moderasi. Sampel yang digunakan dalam penelitian ini adalah 194 responden pelaku UMKM yang menjadi debitur di Bank Maluku Malut dengan teknik purposive sampling. Jenis data dalam penelitian ini adalah data primer dengan pengambilan data menggunakan kuesioner yang telah disebar. Analisis data dilakukan menggunakan metode Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) melalui aplikasi SmartPLS 4.1.1.4. Hasil penelitian ini menunjukan bahwa literasi keuangan tidak berpengaruh signifikan terhadap keputusan pengambilan kredit, sedangkan inklusi keuangan dan akses keuangan berpengaruh positif dan signifikan terhadap keputusan pengambilan kredit UMKM di Bank Maluku Malut. Variabel suku bunga tidak memoderasi hubungan antara ketiga variabel independen dengan keputusan pengambilan kredit. Kesimpulannya, perilaku pembiayaan UMKM lebih ditentukan oleh tingkat partisipasi dalam sistem keuangan formal dan kemudahan akses layanan perbankan dibandingkan dengan tingkat literasi keuangan atau fluktuasi suku bunga. Bank Maluku Malut disarankan untuk memperluas inklusi dan akses keuangan, sementara program literasi perlu dirancang lebih aplikatif agar dapat mendorong perubahan perilaku finansial.
Integrating ISSM, TAM, and Task-Technology Fit to Explain Trust Formation In Mobile Banking: Evidence from Islamic Banking M. A. Suharto; Batara Maju Simatupang; R. Bambang Budhijana; Antyo Pracoyo
Jurnal Multidisiplin Indonesia Vol. 5 No. 4 (2026): (2026): Jurnal Multidisiplin Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jmi.v5i4.2676

Abstract

This study investigates the determinants of customer trust in mobile banking within the context of Islamic banking by integrating three major theoretical frameworks: the Information Systems Success Model (ISSM), the Technology Acceptance Model (TAM), and the Task-Technology Fit (TTF). A quantitative approach was employed using survey data collected from 348 respondents, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that system quality, information quality, service quality, task characteristics, structural assurance, perceived usefulness, and perceived ease of use all have significant effects on trust. Among these factors, task characteristics emerge as the most dominant determinant, highlighting the critical role of aligning system functionalities with users' transactional needs. This study contributes to the literature by proposing an integrative framework that explains trust formation as a multidimensional construct shaped by the interaction of technological performance, user perception, and functional alignment. The findings extend prior research by demonstrating that trust is more strongly influenced by task-technology fit than by purely technical or institutional factors. Practically, the results suggest that banking institutions should prioritize user-centered design, real-time information accuracy, and responsive digital services to enhance trust in mobile banking. This study provides both theoretical advancement and actionable insights for improving digital banking strategies in Islamic financial institutions.
Understanding the Drivers of Turnover Intention: A Study of Workload, Work Environment, Job Satisfaction, and Job Insecurity at PT Bank Papua Yunike Oktovina Imbenai; Batara Maju Simatupang; R. Bambang Budhijana; Antyo Pracoyo
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

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

Abstract

The high employee turnover intention poses a serious challenge in retaining quality human resources at PT Bank Pembangunan Daerah Papua. This phenomenon is triggered by several factors, including excessive workload, unsupportive work environment, low job satisfaction, and perceptions of job insecurity among employees. This study aims to analyze the influence of workload, work environment, job satisfaction, and job insecurity on employee turnover intention. The method used in this study is quantitative with a descriptive-verificative approach. The population in this study consists of all permanent employees of PT Bank Pembangunan Daerah Papua, and the sample is determined through purposive sampling with 100 respondents. Data collection is conducted through questionnaires, and data analysis uses Partial Least Square Structural Equation Modeling (PLS SEM). The results show that workload and job insecurity have a significant positive effect on turnover intention, while work environment and job satisfaction have a significant negative effect. This means that the heavier the workload and the higher the job insecurity, the greater the employee's desire to leave. Conversely, a conducive work environment and high job satisfaction can reduce turnover intention. This research emphasizes the importance of management in fairly managing workload, enhancing job security, fostering a positive work atmosphere, and prioritizing employee welfare as part of retention strategies.
The Effect of Consumer Credit, Performance Allowances, Work Discipline, and Work Environment on The Performance of Civil Servants in Ternate City Junet Thenu; R. Bambang Budhijana
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

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

Abstract

This study aims to analyze the influence of Consumptive Credit, Performance Allowance, Work Discipline, and Work Environment on the Performance of Civil Servants (PNS) in Ternate City. Using a quantitative approach with 102 respondents through purposive sampling and PLS-SEM analysis assisted by SmartPLS 4.1.1.6. The results indicate that consumptive credit, work discipline, and work environment have a positive and significant effect on civil servant performance. In contrast, performance allowance shows no significant effect, indicating that the incentive system has not been functioning effectively. This study recommends merit-based allowance reform as well as strengthening discipline and work environment to improve the quality of regional bureaucracy.
Co-Authors Antyo Pracoyo Batara M. Simatupang Batara Maju Simatupang Diah Budhiani Hastuti Enny Haryanti Epafroditus Elisa Wedilen Halley Christoforus Rettob Junet Thenu M. A. Suharto Omilka Toban Yunike Oktovina Imbenai