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Determinan Pengungkapan Risiko Perusahaan (Corporate Risk Disclosure) Emiten Perbankan di Bursa Efek Indonesia Alvin Anantha; Batara Maju Simatupang
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol 6, No 3 (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.v6i3.233

Abstract

Sektor Perbankan adalah sektor usaha yang dikategorikan sebagai entitas yang memiliki risiko tinggi, se-hingga dibutuhkan sebuah corporate risk disclosure yang menunjukkan keefektifan pengelolaan ketid-akpastian perusahaan terkait risiko dan sebagai dasar stakeholder dalam mengambil suatu kebijakan. Tujuan dari penelitian ini adalah menganalisis faktor-faktor yang mempengaruhi pengungkapan risiko pe-rusahaan pada emiten perbankan yang terdaftar di Bursa Efek Indonesia. Populasi penelitian ini adalah perusahaan perbankan yang terdaftar di Bursa Efek Indonesia pada tahun 2011-2018. Metode pengum-pulan sampling adalah dengan menggunakan purposive sampling, dengan kriteria penentuan sampling ada-lah perusahaan perbankan konvensional yang mempublikasikan annual report dari tahun 2011-2018. Penelitian ini menggunakan data sekunder yang berupa annual report 26 perusahaan perbankan yang ter-daftar di Bursa Efek Indonesia tahun 2011-2018. Metode Analisis yang digunakan adalah Analisis Regresi Data Panel dengan menggunakan Fixed Effect Model. Hasil dari penelitian ini menunjukkan bahwa ukuran perusahaan dan profitabilitas memiliki pengaruh terhadap corporate risk disclosure, sedangkan jumlah de-wan komisaris, jumlah dewan komisaris independen dan leverage tidak berpengaruh terhadap corporate risk disclosure. Secara simultan seluruh variabel independen berpengaruh terhadap corporate risk disclo-sure.
DETERMINANTS OF GOVERNMENT SECURITIES YIELD USING VECM Batara Maju Simatupang
Jurnal Bisnis Manajemen Vol 22, No 2 (2021): September 2021
Publisher : Fakultas Ekonomi dan Bisnis Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/jbm.v22i2.689

Abstract

This study aims to uncover the determinants’ effect on the return rate of government securities (GS). This study's data uses the government bonds that can be traded with the ten-year tenor, and the time-horizon of the collected data spans from 2009:M1 to 2018:M6. The study methodology utilizes the vector error correction model (VECM) model to determine the short-term backward behavior, which refers to the situation where the short-term balances are corrected for the long-term balances. Additionally, it is also to reveal the relationship between the variables within the model. Thus, this study is to see whether GS’s reciprocal level has been at the value of efficient return or not. The results show that the cointegrated determinants of the Bank Indonesia (BI) rate / seven days repo, outstanding tradable government bonds, Fitch Rating, exchange rate, sovereign country risk, and regional bond index positively affects the GS yield. In contrast, the determinants of Fitch Rating, exchange rate, sovereign country risk, and outstanding tradable government bond negatively influence GS yields. The implication of this research is that the Indonesian government securities are interdependent with the identified determinants; thus, the Indonesian government should maintain the movement of those determinants to ensure that its GS stays positive.
Symbolic Compliance vs. Substantive Action: A Comparative Analysis of Sustainability Disclosure Quality Between Major Indonesian and International Banks Farid Dwiputra; Muchlis Muchlis; Batara Maju Simatupang; Antyo Pracoyo
Jurnal Inovasi Global Vol. 4 No. 1 (2026): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v4i1.493

Abstract

This study aims to examine and compare the sustainability disclosure quality of major Indonesian banks and leading international banks. Using a quantitative content analysis method, eight banks—four Indonesian and four international—were analyzed through their 2024 Sustainability Reports based on the Global Reporting Initiative (GRI) Standards Consolidated 2021. A dual-tier scoring framework was applied to measure disclosure quality across quantitative, qualitative, and third-party verification dimensions. The findings reveal that although the aggregate disclosure scores appear similar between the two groups, fundamental contrasts exist in strategic focus. Indonesian banks tend to emphasize disclosure quantity and economic aspects, yet exhibit low levels of external assurance. Conversely, international banks demonstrate stronger commitment toward environmental and social disclosures, supported by higher verification credibility. These discrepancies highlight the tension between symbolic compliance and substantive action, reflecting differing regulatory pressures and market expectations. This study contributes empirical evidence to signaling and agency theory in the sustainability reporting context and provides actionable insights for regulators and stakeholders to strengthen accountability and mitigate greenwashing risks.
Analisis Faktor-Faktor yang Berpengaruh terhadap Niat Penggunaan Mobile Banking oleh Nasabah Bank Papua Januaria Jane; Whony Rofianto; Nuri Wulandari; Batara Maju Simatupang
Cerdika: Jurnal Ilmiah Indonesia Vol. 6 No. 6 (2026): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v6i6.3319

Abstract

Transformasi digital perbankan menuntut lembaga keuangan untuk mengadopsi teknologi guna meningkatkan efisiensi dan inklusi keuangan. Namun, tingkat adopsi layanan mobile banking masih belum optimal, khususnya di wilayah Papua. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi niat penggunaan mobile banking oleh nasabah Bank Papua. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 160 responden pengguna layanan mobile banking Bank Papua. Data dianalisis menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) melalui aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa kompatibilitas, persepsi kemudahan penggunaan, persepsi kegunaan, kepercayaan, dan persepsi keamanan berpengaruh positif dan signifikan terhadap niat penggunaan mobile banking. Sebaliknya, literasi digital hanya berpengaruh terhadap persepsi kemudahan penggunaan, dan norma subjektif tidak menunjukkan pengaruh signifikan terhadap persepsi kegunaan maupun niat penggunaan. Temuan ini menunjukkan bahwa keputusan nasabah untuk menggunakan mobile banking lebih dipengaruhi oleh persepsi individu terhadap manfaat, kemudahan, dan keamanan layanan, serta kepercayaan terhadap sistem, daripada dorongan sosial. Implikasi dari hasil ini mengarah pada pentingnya penguatan fitur layanan yang sesuai dengan kebutuhan pengguna serta peningkatan strategi edukasi dan keamanan digital. Penelitian ini memberikan kontribusi empiris dalam pengembangan teori adopsi teknologi di sektor perbankan daerah.
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.
Stock Market Panic Cycles Anad Asset Diversification Strategies: The Role of Gold, Foreign Currency, and Bitcoin as Safe Havens in Indonesia Paulina Harun; Taufiq Pradhana; Batara Maju Simatupang; Antyo Pracoyo
Jurnal Indonesia Sosial Sains Vol. 7 No. 6 (2026): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v7i6.2358

Abstract

This research examines the role of gold, foreign exchange, and Bitcoin as hedge, diversifier, and safe haven assets for the Indonesian stock market (IHSG). The study aims to identify alternative investment instruments that can serve as hedging tools, diversifiers, and safe havens during various crisis periods, including the European debt crisis (2011), taper tantrum (2013), China market crisis (2015), COVID-19 pandemic (2020), Russia–Ukraine war (2022), and Middle East geopolitical tensions (2025). Using daily data from July 2011 to December 2025, the analysis covers major crises including the European debt crisis, taper tantrum, COVID-19, the Russia–Ukraine war, and Middle East geopolitical tensions. The study applies Ordinary Least Squares (OLS) with crisis dummy variables and Dynamic Conditional Correlation Generalized Autoregressive Conditional Heteroskedasticity (DCC-GARCH). The findings show that foreign currencies, particularly the US Dollar, consistently function as the strongest safe haven assets for IHSG, followed by the Euro and Chinese Yuan. Gold demonstrates mixed characteristics depending on denomination and form. XAU/USD and ANTAM gold mainly act as diversifiers, while XAU/IDR serves as a weak safe haven due to exchange rate effects. Meanwhile, Bitcoin fails to function as a safe haven and behaves as a speculative risky asset during market crises. The study provides empirical evidence that safe haven characteristics are time-varying and asset-specific, offering practical implications for investment and portfolio diversification strategies, while emphasizing the importance of rupiah exchange rate stability and guiding future research directions.
Pengaruh Kepemimpinan Transformasional, Kepuasan Kerja dan Budaya Organisasi Terhadap Kinerja Karyawan Melalui Motivasi Kerja Sebagai Variabel Mediasi di Bank Papua KCU Sorong Ade Hari Murti; Antyo Pracoyo; Batara Maju Simatupang; Subarjo Joyosumarto
Journal of Comprehensive Science Vol. 5 No. 1 (2026): Journal of Comprehensive Science
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v5i1.3981

Abstract

Penelitian ini bertujuan untuk menganalisis variabel-variabel yang mempunyai pengaruh terhadap kinerja karyawan pada Bank Papua KCU Sorong. Variabel dependen yang digunakan dalam penelitian ini adalah kinerja karyawan dan variabel independen menggunakan Kepemimpinan Transformasional, Kepuasan Kerja dan Budaya Organisasi dengan variabel mediasi Motivasi Kerja. Penelitian ini menggunakan jumlah sampel yang sebanyak 70 responden. Metode analisis yang digunakan didalam penelitian ini adalah menggunakan metode analisis data kuantitatif. Teknik pengolahan data yang digunakan pada penelitian ini adalah dengan metode Struktur Equation Modelling menggunakan aplikasi SmartPLS 4.0. Hasil dari penelitian ini menunjukkan bahwa variabel Kepuasaan Kerja dan Budaya Organisasi berpengaruh terhadap Motivasi Kerja, sedangkan variabel Kepemimpinan Transformasional tidak berpengaruh terhadap Motivasi Kerja. Variabel Kepuasaan Kerja dan Budaya Organisasi berpengaruh terhadap Kinerja Karyawan, sedangkan variabel Kepemimpinan Transformasional tidak berpengaruh terhadap Kinerja Karyawan. Variabel Budaya Organisasi berpengaruh terhadap Kinerja Karyawan melalui Motivasi Kerja, sedangkan variabel Kepuasaan Kerja dan Kepemimpinan Transformasional tidak berpengaruh terhadap Kinerja Karyawan melalui Motivasi Kerja.
Analisis Faktor-Faktor yang Berpengaruh Terhadap Niat Membeli Kendaraan Listrik di Kabupaten Mimika Susi Susanti Margadewi; Whony Rofianto; Batara Maju Simatupang; Fermico Karambut
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.v5i6.4192

Abstract

Pemanasan global dan peningkatan emisi gas rumah kaca mendorong perlunya transisi dari transportasi berbahan bakar fosil menuju mobilitas rendah emisi, termasuk kendaraan listrik. Namun, adopsi kendaraan listrik di wilayah berkembang masih menghadapi berbagai kendala, seperti keterbatasan infrastruktur, persepsi harga, pengetahuan konsumen, dan sikap masyarakat. Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi niat membeli kendaraan listrik di Kabupaten Mimika dengan menggunakan pendekatan Extended Technology Acceptance Model. Penelitian ini menggunakan desain kuantitatif eksplanatori dengan data primer yang dikumpulkan melalui kuesioner daring. Sampel penelitian berjumlah 122 responden yang berdomisili di Kabupaten Mimika, berusia di atas 17 tahun, memiliki kendaraan berbahan bakar minyak, dan belum pernah membeli kendaraan listrik. Analisis data dilakukan menggunakan Partial Least Squares Structural Equation Modeling melalui SmartPLS. Hasil penelitian menunjukkan bahwa dari tiga belas hipotesis pengaruh langsung, hanya empat hipotesis yang terbukti signifikan. Persepsi kemudahan penggunaan berpengaruh terhadap persepsi kegunaan, persepsi kegunaan berpengaruh terhadap sikap, pengetahuan kendaraan listrik berpengaruh terhadap sikap, dan sikap berpengaruh terhadap niat membeli. Sebaliknya, persepsi kemudahan penggunaan, persepsi kegunaan, pengetahuan kendaraan listrik, ketersediaan infrastruktur, pengetahuan lingkungan, persepsi harga, dan persepsi nilai tidak berpengaruh langsung terhadap niat membeli. Kesimpulannya, niat membeli kendaraan listrik di Kabupaten Mimika terutama dibentuk oleh sikap positif konsumen, sehingga strategi edukasi, pengalaman langsung, dan penguatan kepercayaan publik perlu ditingkatkan.
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.