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All Journal Ekspektra: Jurnal Bisnis & Manajemen JCES (Journal of Character Education Society) Bantenese Jurnal Pengabdian Masyarakat Jurnal Ekonomi Manajemen JURNAL AKUNTANSI Value: Jurnal Manajemen dan Akuntansi Bubungan Tinggi: Jurnal Pengabdian Masyarakat BanKu: Jurnal Perbankan dan Keuangan Masyarakat: Jurnal Pengabdian
Dedeh Sri Sudaryanti, Dedeh Sri
Universitas Siliwangi
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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ANALISA KINERJA KEUANGAN DAN PENGARUHNYA TERHADAP KEMAMPUAN PENYALURAN KREDIT PADA BANK PERSERO DI INDONESIA Dedeh Sri Sudaryanti; Nana Sahroni; Ane Kurniawati
BanKu: Jurnal Perbankan dan Keuangan Vol 2, No 1 (2021): Volume 2, Nomor 1, Februari 2021
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (409.955 KB)

Abstract

ABSTRACTThis study used to aim at analyzing financial performance proxied by variable third party funds (DPK), non-performing loans (NPLs), and capital adequacy ratios (CAR) on the ability of bank lending. The study was conducted at a Persero bank in Indonesia in the period 2010-2017. Panel data regression analysis tool is used to analyze the effect of DPK, NPL, and CAR on the ability of bank lending. The results of the study found that DPK had a positive effect on bank lending. NPL has a negative effect on bank lending. NPLs reflect credit risk, the higher the level of NPL, the greater the credit risk borne by the bank. CAR has a positive effect on bank lending. There is a positive influence between CAR and the ability to extend credit to banks. Every increase in CAR percentage will increase the ability of bank lending. If the bank has capital above 8% or more, then the bank can be said to have sufficient capital to distribute credit, and shows the better banks in providing capital to the public so that it will increase the ability of banks in lending.Keywords: financial performance, credit; funding; non performing loan; capital adequacy ratio. ABSTRAKPenelitian ini bertujuan untuk menganalisis kinerja keuangan yang diproksikan dengan variabel dana pihak ketiga (DPK), non performing loan (NPL), dan capital adequacy ratio (CAR) terhadap kemampuan penyaluran kredit bank. Penelitian dilakukan pada bank Persero di Indonesia periode tahun 2010-2017. Alat analisis regresi data panel digunakan untuk menganalisis pengaruh DPK, NPL, dan CAR terhadap kemampuan penyaluran kredit bank. Hasil penelitian menemukan bukti DPK berpengaruh positif terhadap penyaluran kredit bank. NPL berpengaruh negatif terhadap penyaluran kredit bank. NPL mencerminkan risiko kredit, semakin tinggi tingkat NPL maka semakin besar pula risiko kredit yang ditanggung oleh pihak bank. CAR berpengaruh positif terhadap penyaluran kredit bank. Terdapat pengaruh positif antara CAR dengan kemampuan penyaluran kredit pada bank. Setiap naik prosentase CAR akan meningkatkan kemampuan penyaluran kredit bank. Jika bank memiliki modal diatas 8% atau lebih, maka bank dapat dikatakan memiliki kecukupan modal untuk menyalurkan kreditnya, dan menunjukan semakin baik bank dalam menyediakan modal  bagi masyarakat sehingga akan meningkatkan kemampuan bank dalam penyaluran kredit.Kata Kunci: kinerja keuangan; kredit; dana pihak ketiga; non performing loan; capital adequacy ratio
Penguatan Komoditi Unggulan Masyarakat Melalui Inovasi Produk Olahan Ikan di Desa Putrapinggan Kecamatan Kalipucang Kabupaten Pangandaran di Masa Pandemic Covid-19 Dedeh Sri Sudaryanti; Andri Helmi Munawar; Ali Subrata; Ikhsan Farhat; M. Afiq Albawi
Bubungan Tinggi: Jurnal Pengabdian Masyarakat Vol 5, No 2 (2023)
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/btjpm.v5i2.7411

Abstract

Sumber daya ikan yang melimpah di sekitar pesisir dapat meningkatkan komoditas dan peluang bisnis, namun dengan mindset masyarakat dalam pemanfaatan sumber daya ikan yang masih tradisional serta masih banyak yang belum mengetahui inovasi pengolahan berbahan ikan dengan biaya yang relatif murah dan efektif juga kurangnya motivasi dan lemahnya pengetahuan teknis masyarakat mengenai inovasi berbahan baku ikan laut dalam memanfaatkan keunggulan sumber daya yang dimilik desa tersebut. Kebanyakan ikan segar dijual secara langsung kepada pemasok, padahal untuk dapat menambah nilai ekonomis, ikan bisa diolah menjadi berbagai bentuk olahan yang bergizi tinggi dan bernilai ekonomis. Oleh sebab itu, diadakan suatu kegiatan Pengabdian kepada Masyarakat (PkM) dengan tujuan memberikan edukasi pelatihan berbagai bentuk inovasi atau cara pengolahan ikan laut bertempat di Aula Desa Putrapinggan Kecamatan Kalipucang Kabupaten Pangandaran. Metode pelaksanaan dimulai dengan survey awal, Focus Grup Discussion (FGD), serta penyuluhan dan mendemonstrasikannya kepada target mitra yang diikuti oleh 30 peserta dengan sasarannya kader PKK, karang taruna dan warga setempat. Kegiatan pelatihan berupa edukasi mengolah ragam produk misalnya olahan mie dan bakso seafood berbahan baku ikan laut. Waktu kegiatan PkM ini adalah selama enam bulan yaitu bulan Juni sampai dengan November 2022. Hasil kegiatan mendapat feedback positif dari masyarakat, hasil penyebaraan kuesioner mengenai kepuasan mitra sebesar 81,5% dimana masyarakat dapat memanfaatkan peluang dari keunggulan potensi daerahnya sebagai desa yang kaya akan sumber daya ikan dan sebagai bentuk ketahanan pangan sekaligus nilai ekonomis bagi warga sebagai bentuk peluang bisnis.Fish resources are abundant around the coast, but with the mindset of the community in utilizing traditional fish resources and there are still many who do not know the innovation of fish-based processing at a relatively cheap and effective cost, as well as the lack of motivation and weak technical knowledge of the community about innovations made from marine fish raw materials in utilizing the advantages of the resources owned by the village. Most fresh fish is sold directly to suppliers, whereas to be able to add economic value, fish can be processed into various processed forms that are highly nutritious and economically valuable. Therefore, a community service activity was held to provide education, training, and various forms of innovation on processing marine fish at the Putrapinggan Village Hall, Kalipucang District, Pangandaran Regency. The implementation method began with an initial survey, Focus Group Discussion (FGD), and counseling, demonstrating it to target partners. It was attended by 30 participants, with the target being PKK cadres, cadets and residents. Training activities in the form of education to process a variety of products such as processed noodles and seafood meatballs made from sea fish. This PkM activity is for six months, from June to November 2022. The results of activity received positive feedback from the community, the results of distributing questionnaires regarding partner satisfaction by 81.5% where the community could take advantage of the opportunities of the potential advantages of their area as a village rich in fish resources and as a form of food security as well as economic value for residents as a form of business opportunities
REAKSI PASAR PADA AKSI KORPORASI STOCK SPLIT EMITEN DI BURSA EFEK INDONESIA Dedeh Sri Sudaryanti; Yuyun Yuniasih; Andri Helmi Munawar
Value : Jurnal Manajemen dan Akuntansi Vol. 18 No. 2 (2023): Mei - Agustus 2023
Publisher : Prodi Ilmu Manajemen, Fakultas Ekonomi Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jv.v18i2.4224

Abstract

Stock split is one of the corporate activities used to increase stock liquidity. The content of information contained in the company's stock split corporate action still shows that the phenomenon related to the stock split shows inconsistent results. This study aims to obtain empirical evidence by analyzing abnormal returns and stock trading volume before and after the stock split announcement. The research was conducted on companies listed on the Indonesia Stock Exchange in 2021 with a data collection technique using the purposive sampling method and 8 companies were obtained. The data used is secondary data from the official website of the Indonesia Stock Exchange. The research data analysis tool used the Wilcoxon signed rank test with IBM SPSS version 27 through an even study approach with an observation period of 5 days before and 5 days after the stock split event. The results of this study indicate that there is a market reaction as evidenced by a significant difference between abnormal returns and stock trading volume before and after the stock split announcement. Keywords: Stock Split; Abnormal Return
ANALISIS KINERJA KEUANGAN BANK UMUM KONVENSIONAL SEBELUM DAN SESUDAH BEROPERASINYA PERUSAHAAN BERBASIS TEKNOLOGI INFORMASI Sudaryanti, Dedeh Sri; Rahmawati, Mira; Yuniasih, Yuyun
Jurnal Ekonomi Manajemen Vol 8, No 1 (2022): Mei 2022
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v8i1.5785

Abstract

Penelitian ini bertujuan untuk menemukan bukti empiris apakah terdapat perbedaan kinerja keuangan bank umum konvensional ditinjau dari setelah munculnya perusahaan berbasis teknologi informasi (Financial Technology) berdasarkan regulasi fintech yang dikeluarkan OJK pada tahun 2016.Ukuran kinerja keuangan yang digunakan yaitu Capital Adequacy Ratio (CAR), Return on Asset (ROA), Net Interest Margin (NIM), Rasio biaya operasional terhadap pendapatan operasional (BOPO), dan Loan to Deposit Ratio (LDR). Data dan informasi berupa rasio keuangan 88 bank umum konvensional diperoleh dari website Otoritas Jasa Keuangan (OJK) dengan metode analisis yang digunakan adalah uji beda Wilcoxon signed rank test terhadap variabel-variabel indikator kinerja.Hasil penelitian menunjukkan terdapat perbedaan signifikan pada kinerja keuangan Bank Umum Konvensional sebelum dan sesudah beroperasinya perusahaan berbasis teknologi informasi. Sudah adanya pengembangan fintech oleh perbankan, namun masih dengan fitur yang relatif terbatas dan umumnya lebih pada layanan fungsi penghimpunan dana seperti pembukaan tabungan, deposito, dan simpanan lain dengan mengembangkan mobile, internet banking atau pun e-commerce. Sementara layanan untuk akses pendanaan masyarakat yang ditawarkan oleh perusahaan fintech Peer to Peer Lending relatif lebih mudah dan fleksibel. Kolaborasi merupakan jawaban terhadap ancaman yang di bawa oleh fintech, agar bisa memberikan layanan sefleksibel dan semudah perusahaan fintech. Sehingga munculnya fenomena fintech tidak mengganggu kinerja keuangan perbankan tetapi menjadi peluang agar perbankan ikut berinovasi dalam teknologi terkait produk dan layanannya.
Diversifikasi Pendapatan pada Industri Perbankan di Indonesia : Implikasi terhadap Kinerja dan Risiko Sudaryanti, Dedeh Sri; Yuniasih, Yuyun; Kurniawati, Ane
JURNAL AKUNTANSI Volume 19, Nomor 1, Mei 2024
Publisher : Jurusan Akuntansi Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jak.v19i1.9185

Abstract

This research was conducted as an analysis of the effect of income diversification on bank performance and risk. The samples used are banks owned by the central and regional governments in Indonesia for the period 2015 to 2022. Hypothesis testing applies panel data linear regression estimation. Income diversification is measured using the Herfindahl Hirschman Index (HHI) approach, bank performance using Return on Assets, bank risk using ROA standard deviation, and applying two control variables, namely company size and loan to total assets.The research results show that income diversification has a negative influence on bank performance. These state-owned banks often do not implement strategies outside their core business because owners view profit fluctuations as a threat to their ability to supervise. The larger the company size, the ROA tends to be lower, that large banks may have difficulty achieving high ROA due to their more complex operations. The higher the LTA, the higher the ROA tends to be. This could provide an indication that banks are more aggressive in disbursing credit relatively more efficiently in generating profits. Evidence was found that income diversification negatively influences bank risk, indicating that there is a reduction in risk when banks diversify income
CO-INNOVATION KELAPA SANGRAI NAIK KELAS: STRATEGI DIVERSIFIKASI KULINER LOKAL MENUJU IKON EKONOMI KREATIF Sudaryanti, Dedeh Sri; Munawar, Andri Helmi; Suryanugraha, Dim Zarita; Patmawati, Hetty; Nisa, Ana Sakinatun
Masyarakat: Jurnal Pengabdian Vol. 2 No. 3 (2025)
Publisher : Yayasan Pendidikan Dan Pengembangan Harapan Ananda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58740/m-jp.v2i3.535

Abstract

Desa Putrapinggan, Kecamatan Kalipucang, Kabupaten Pangandaran memiliki potensi kelapa yang melimpah, namun pemanfaatannya masih terbatas pada olahan tradisional sehingga nilai ekonominya rendah. Program Pengabdian kepada Masyarakat ini bertujuan memberdayakan mitra, khususnya pelaku UMKM, kader PKK, dan karang taruna dalam mengembangkan produk inovatif berbasis kelapa sangrai sebagai ikon kuliner desa. Kegiatan dilaksanakan di Desa Putrapinggan dengan pendekatan Community Based Research (CBR) yang menekankan partisipasi aktif masyarakat melalui tahapan sosialisasi, pelatihan produksi higienis dan diversifikasi rasa, penerapan teknologi tepat guna, pengembangan kemasan berlabel, serta pelatihan pemasaran digital. Pelatihan ini dilaksanakan di Auda Desa Putrapinggan. Hasil program menunjukkan mitra mampu menghasilkan tiga varian produk kelapa sangrai (gurih, pedas, manis), menyusun Standar Operasional Prosedur (SOP) produksi, dan memasarkan produk melalui media sosial serta marketplace. Produk yang dikemas modern dan berlabel mendapat respons positif di pasar lokal. Implikasi kegiatan ini tidak hanya meningkatkan keterampilan dan pendapatan mitra, tetapi juga memperkuat identitas kuliner lokal, membuka peluang usaha berkelanjutan, serta mendorong tumbuhnya ekonomi kreatif desa berbasis potensi lokal.
Assessing The Causal Relationship Between Payment Gateway Integration, Financial Literacy, and MSME Financial Performance Sudaryanti, Dedeh Sri; Munawar, Andri Helmi; Yuniasih, Yuyun
BanKu: Jurnal Perbankan dan Keuangan Vol 6, No 1 (2025): Volume 6, Nomor 1, Februari 2025
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/banku.v6i1.17022

Abstract

Micro, small, and medium enterprises (MSMEs) play a crucial role in supporting Indonesia’s economic growth; however, their financial performance often remains limited due to low financial literacy and suboptimal technology adoption. This study aims to examine the influence of payment gateway integration and financial literacy on the financial performance of MSMEs by employing a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected from 100 active MSME owners through an online questionnaire and analyzed using SmartPLS 3.2.7. The findings reveal that both payment gateway usage and financial literacy have positive and significant effects on MSME financial performance. The R² value of 0.317 indicates that these variables jointly explain 31.7% of the variance in financial performance, with financial literacy showing a medium effect size and payment gateway a smaller yet significant effect. The study confirms that digital payment adoption improves transaction efficiency and security, while financial literacy enhances financial planning, budgeting, and risk management capabilities. Theoretically, this research extends the Technology Acceptance Model (TAM) and the Theory of Reasoned Action (TRA) by highlighting the complementary relationship between technological adoption and cognitive financial competence. Practically, the results suggest that MSME managers and policymakers should prioritize digital finance adoption and financial literacy training to strengthen financial resilience and sustainability. Overall, this study provides empirical evidence that combining digital innovation with financial education can significantly improve MSME performance and promote inclusive economic development in emerging economies.Keywords: Payment Gateway; Financial Literacy; Financial Performance; MSMEs; Fintech; Digital Transformation.
Co-Authors Ali Subrata Ane Kurniawati Badriatin, Tine Christin Dita Prastika Hetty Patmawati Ikhsan Farhat Kurniawati, Ane Kurniawati, Ane M. Afiq Albawi Masitoh, Noneng Mira Rahmawati Munawar, Andri Helmi Nana Sahroni Nana Sahroni Nisa, Ana Sakinatun Rahmawati, Mira Sahroni, Nana Suryanugraha, Dim Zarita Yuniasih, Yuyun Yuyun Yuniasih