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Determinants of Bank Performance in Indonesia Bahtiar Usman; Henny Setyo Lestari
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 6 No 2 (2019): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v6i2.11282

This study aims to examine the determinants of commercial banks’ performances in Indonesia in the period 2008-2017 by their return on assets. Capital adequacy, asset quality, management efficiency and liquidity, and gross domestic product functioned as the predictors. The sample of this study was 25 conventional banks meeting the criteria of the purposive sampling method. The panel data with Eviews shows that asset quality has a negative effect and management efficiency has a positive impact on bank performance. Capital adequacy, liquidity, and gross domestic product growth rate do not affect the bank's performance. Managers need to tighten lending, carry out credit restructuring and manage the balance between assets and liabilities and, supervise credit.

PENGARUH LITERASI KEUANGAN & PENGHINDARAN RISIKO TERHADAP KEPUTUSAN INVESTASI DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERASI DI DKI JAKARTA Sheny Gatrie Slamet Putrie; Bahtiar Usman
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 9 No 2 (2022): JMBI UNSRAT Volume 9 Nomor 2
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v9i2.43131

Abstract. At the time, most of the Indonesian people until now are investing heavily for the study period in meeting all needs and fulfilling and fulfilling the needs of life. The purpose of this research is to test and obtain empirical evidence related to the factors that influence a person in making investment decisions. The sample in this study amounted to 200 respondents. The sample obtained through the distribution of research questionnaires, the data used in this study is primary data with qualitative methods and analyzed using SEM (Structural Equation Modeling) analysis. The results of the study prove that financial literacy, risk adversion and locus of control have a positive effect on financial decisions, furthermore that locus of control can strengthen the influence of financial literacy on financial decisions and locus of control can strengthen the influence of risk adversion on financial decisions. Suggestions for further research are expected to be able to develop empirical and behavioral theories related to the field of financial management. The suggested variable for future research is satisfaction (financial satisfaction) in the behavior of individual investment decisions. The managerial implication of this research is to assist investors in making decisions to invest or invest in stocks so that there is more knowledge about how these investors make decisions based on their knowledge.Abstrak. Pada zaman sekarang sebagian besar masyarakat Indonesia sampai saat ini sedang melakukan investasi untuk masa depannya dalam memenuhi semua kebutuhan serta kecukupan dan kelayakan dalam melangsungkan kehidupannya. Tujuan penelitian adalah menguji dan memperoleh bukti empiris terkait faktor-faktor yang mempengaruhi pengetahuan seseorang dalam pengambilan keputusan dalam berinvestasi. Sampel dalam penelitian ini berjumlah 200 responden. Sampel diperoleh melalui penyebaran kuisioner penelitian, data yang digunakan dalam penelitian ini adalah data primer dengan metode kualitatif dan dianalisis menggunakan analisis SEM (Stuctural Equation Modeling). Hasil Penelitian membuktikan bahwa Financial literacy, Risk Adversion dan Locus of Control berpengaruh positif terhadap Financial Decision, selanjutnya bahwa Locus of Control dapat memperkuat pengaruh antara Financial Literacy terhadap Financial Decision dan Locus of Control dapat memperkuat pengaruh antara Risk Adversion terhadap Financial Decision. Saran untuk penelitian selanjutnya yaitu diharapkan mampu untuk mengembangkan empiris dan teori mengenai perilaku terkait bidang ilmu manajemen keuangan. Variabel yang disarankan untuk penelitian di masa depan adalah kepuasan keuangan (financial satisfaction) dalam perilaku keputusan investasi individu. Implikasi Manajerial dari penelitian ini adalah membantu investor dalam hal pengambilan keputusan untuk melakukan penanaman saham atau investasi didalam perusahaan sehingga semakin banyak perusahaan yang mempunya pengetahuan tentang bagaimana investor tersebut mengambil keputusan atas dasar pengetahuan yang dimiliki.

KEPUASAN DAN LOYALITAS MITRA KERJA SAMA PADA PROGRAM DOKTOR ILMU EKONOMI FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS TRISAKTI Bahtiar Usman; Ayu Ekasari
Journal of Innovation Research and Knowledge Vol. 2 No. 4: September 2022
Publisher : Bajang Institute

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

Penelitian institusional ini bertujuan menganalisa faktor-faktor yang membentuk kepuasan dan loyalitas Mitra kerja sama pada Program Doktor Ilmu Ekonomi Fakultas Ekonomi dan Bisnis Universitas Trisakti. Penelitian ini bersifat deskriptif dengan metode pengumpulan data berupa survey yang disebarkan kepada populasi, yaitu tiga puluh enam Mitra. Data dianalisa menggunakan statistic deskriptif dengan melihat angka mean untuk setiap indicator. Hasil analisa data menunjukkan Mitra puas dengan kerja sama yang terjalin dan berniat melanjutkan kembali kerja sama, yang berarti Mitra loyal dengan PDIE terkait program kerja sama. Penelitian ini termasuk penelitian yang orisinal, karena sejauh ini masih jarang dijumpai penelitian yang menganalisa kepuasan mitra kerja sama di lingkup perguruan tinggi. Hasil penelitian ini bisa menjadi masukan bagi pengelola Program Studi untuk merancang program kerja sama yang menguntungkan kedua belah pihak dan bermanfaat dalam jangka panjang.

Pemanfaatan financial technology dan aplikasi smartphone dalam meningkatkan usaha mikro dan kecil pada era pandemi covid-19 di Kelurahan Mustikajaya Soeharjoto Soekapdjo; Syofriza Syofyan; Bahtiar Usman; Lydia Rosintan Simanjuntak; Debbie Aryani Tribudhi
ABDIMAS DEWANTARA Vol 5 No 2 (2022)
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/ad.v5i2.10307

The Covid-19 pandemic had an impact on health which ultimately resulted in major changes in consumption behavior and industrial revolution 4.0 acceleration, thus lowering people's incomes. Purpose of this community service is to improve micro and small businesses in facing economic impact of the Covid-19 pandemic in Mustikajaya Village. Community service team provides education and training in financial technology and optimizes utilization of applications on smartphones. This activity, improving partners knowledge and insights to the source of funds, financial administration, production, distribution and marketing based online by using applications on smartphones, in the form of Instagram, Whats App, smart cashiers and Canva. After the implementation of this program, it can increase knowledge and insight financial technology to 79 percent and skills using smartphone applications to 82 percent. Successful community service achievement makes partners more motivated to develop micro and small businesses. Further community service activities, need to be conducted continuously with various themes and increase the duration of the meeting.

PENGARUH LITERASI KEUANGAN, PERILAKU KEUANGAN DAN INTENSI STRATEGI PENSIUN TERHADAP PERENCANAAN PENSIUN PADA KARYAWAN DI JABODETABEK Firstina Nur Fadilla; Bahtiar Usman
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 9 No 3 (2022): JMBI UNSRAT Volume 9 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v9i3.43152

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh literasi keuangan, sikap keuangan, financial well-being, perilaku keuangan, dan intensi strategi pensiun terhadap perencanaan pensiun. Objek dari penelitian ini adalah karyawan aktif yang berada dan bekerja di wilayah Jabodetabek. Dalam penelitian ini, metode pengumpulan data menggunakan data primer yang bersumber dari jawaban kuisioner yang dibagikan kepada responden. Metode penentuan sampel yang digunakan adalah purposive sampling dengan kriteria tertentu yaitu karyawan aktif yang masih bekerja baik di instansi pemerintah maupun swasta. Dengan rentang usia 20 - 60 tahun dan berdomisili di jabodetabek. Respoden yang berpartisipasi dalam penelitian ini sebanyak 350 responden dengan hasil penelitian menunjukkan bahwa terdapat pengaruh antara Literasi Keuangan terhadap Perencanaan Pensiun, dan variabel Financial Well-being, Perilaku keuangan, dan Intensi Strategi Pensiun terbukti memiliki pegaruh signifikan terhadap Perencanaan Pensiun. Hasil penelitian ini memberikan informasi bahwa seseorang yang memiliki literasi keuangan yang tinggi memiliki keterlibatan yang lebih baik dalam perencanaan pensiun, yang menunjukkan hubungan positif dengan pengambilan keputusan keuangan. Selain itu, orang dengan Financial Well-being yang lebih baik, lebih bersedia untuk memiliki rencana keuangan jangka panjang dan mau berpartisipasi untuk menyiasati perencanaan pensiun mereka.Kata Kunci: Literasi Keuangan, financial well-being, perilaku keuangan, perencanaan pensiun

Analysis of the Influence of Governance and Social Responsibility (CSR) on Performance and Savings and Loans Welfare Cooperative Sri Rejeki; Bahtiar Usman
Asian Journal of Social and Humanities Vol. 2 No. 4 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i4.216

This research aims to determine the welfare of cooperative members through governance and social responsibility (CSR) variables. The research objects are the Bererod Gratia Savings and Loans Cooperative and the Madani Savings and Loans Cooperative. Samples were taken from cooperative members who had been members of the cooperative for 3 years or more. The research uses a qualitative approach to analyze the results of the questionnaire. Analysis was carried out using content analysis. Primary data was obtained from the results of interviews and questionnaires announced to respondents. Meanwhile, secondary data was taken from the 2020-2022 Annual Member Meeting Report. The questionnaire concluded that the welfare of cooperatives depends on good, professional and sustainable governance and social responsibility (CSR). Good Corporate Governance is manifested in transparency, accountability, responsibility, independence, equality and fairness in every financial transaction, level of management commitment, quality of cooperative performance, and decision making that involves all members. Research also shows the responsibility of social cooperatives for the welfare of members and the surrounding community which has a positive influence in the form of social, economic, environmental, law-abiding, and education-health. Finally, research shows that professional quality performance by having work motivation, good financial freedom, a conducive work environment, opportunities for self-development, a strong collaborative team, and sustainable financial stability can help the welfare of cooperative members and the desire for cooperatives. The research results show that both cooperatives have succeeded in promoting the welfare of their members. Suggestions for further research include research on other cooperatives. not limited to just two cooperatives and with a wider working area coverage.

The Effect of Organizational Ambidexterity, Innovation Capability and Leadership Competencies On Business Peformance Mediated Competitive Advantage In Software House Industry Employees In Indonesia Triyani Triyani; Bahtiar Usman; Deasy Aseanty
Asian Journal of Social and Humanities Vol. 2 No. 8 (2024): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i8.307

The purpose of this study is to find out the effect of organizational ambidexterity, innovation capability and leadership competencies on business peformance mediated competitive advantage. In order to maintain business continuity, the software house must be able to improve its business performance. While previous research identified factors that impact business performance in various sectors, this study focuses on how internal organizational factors are in the software house. This study uses a quantitative approach, where the variables to be observed are quantified through an operational definition process. Data of 540 respondents was collected from 18 large-scale software in Indonesia. There are 10 hypotheses developed and tested using structural equation modeling. The results showed that organizational ambidexterity, innovation capability and leadership competencies had a significant effect on business performance and competitive advantage showed a positive and significant mediation influence in the model. The results also provide specific measurement of competitive advantage in the software house industry, managerial implications and suggestions for further research.

Analysis of the Influence of Governance and Social Responsibility (CSR) on Performance and Savings and Loans Welfare Cooperative Sri Rejeki; Bahtiar Usman
Asian Journal of Social and Humanities Vol. 2 No. 4 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i4.216

This research aims to determine the welfare of cooperative members through governance and social responsibility (CSR) variables. The research objects are the Bererod Gratia Savings and Loans Cooperative and the Madani Savings and Loans Cooperative. Samples were taken from cooperative members who had been members of the cooperative for 3 years or more. The research uses a qualitative approach to analyze the results of the questionnaire. Analysis was carried out using content analysis. Primary data was obtained from the results of interviews and questionnaires announced to respondents. Meanwhile, secondary data was taken from the 2020-2022 Annual Member Meeting Report. The questionnaire concluded that the welfare of cooperatives depends on good, professional and sustainable governance and social responsibility (CSR). Good Corporate Governance is manifested in transparency, accountability, responsibility, independence, equality and fairness in every financial transaction, level of management commitment, quality of cooperative performance, and decision making that involves all members. Research also shows the responsibility of social cooperatives for the welfare of members and the surrounding community which has a positive influence in the form of social, economic, environmental, law-abiding, and education-health. Finally, research shows that professional quality performance by having work motivation, good financial freedom, a conducive work environment, opportunities for self-development, a strong collaborative team, and sustainable financial stability can help the welfare of cooperative members and the desire for cooperatives. The research results show that both cooperatives have succeeded in promoting the welfare of their members. Suggestions for further research include research on other cooperatives. not limited to just two cooperatives and with a wider working area coverage.

The Effect of Organizational Ambidexterity, Innovation Capability and Leadership Competencies On Business Peformance Mediated Competitive Advantage In Software House Industry Employees In Indonesia Triyani Triyani; Bahtiar Usman; Deasy Aseanty
Asian Journal of Social and Humanities Vol. 2 No. 8 (2024): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i8.307

The purpose of this study is to find out the effect of organizational ambidexterity, innovation capability and leadership competencies on business peformance mediated competitive advantage. In order to maintain business continuity, the software house must be able to improve its business performance. While previous research identified factors that impact business performance in various sectors, this study focuses on how internal organizational factors are in the software house. This study uses a quantitative approach, where the variables to be observed are quantified through an operational definition process. Data of 540 respondents was collected from 18 large-scale software in Indonesia. There are 10 hypotheses developed and tested using structural equation modeling. The results showed that organizational ambidexterity, innovation capability and leadership competencies had a significant effect on business performance and competitive advantage showed a positive and significant mediation influence in the model. The results also provide specific measurement of competitive advantage in the software house industry, managerial implications and suggestions for further research.

Pengaruh Tanggung Jawab Sosial, Kepemilikan Institusional, Ukuran Dewan Komisaris, Kebijakan Dividen, Ukuran Perusahaan Dan Leverage Terhadap Kinerja Keuangan Veronika Mutianingsih; Bahtiar Usman; Hartini Hartini
Jurnal Akuntansi Manado (JAIM) Volume 5. Nomor 2. Agustus 2024
Publisher : Fakultas Ekonomi Universitas Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/jaim.vi.10173

Penelitian ini bertujuan untuk menguji pengaruh tanggung jawab sosial, kepemilikan institusional, ukuran dewan komisaris, kebijakan dividen, ukuran perusahaan dan leverage terhadap kinerja keuangan perbankan. Pada penelitian ini menggunakan purposive sampling dengan ukuran sampel penelitian sebanyak 44 perbankan yang terdaftar di Bursa Efek Indonesia tahun 2018 – 2022. Tanggung jawab sosial, kepemilikan institusional dan ukuran dewan komisaris tidak berpengaruh terhadap kinerja keuangan, sedangkan kebijakan dividen berpengaruh negatif signifikan, ukuran perusahaan dan leverage berpengaruh positif signifikan terhadap kinerja keuangan perbankan di Indonesia. Hasil penelitian ini memberikan masukan bagi perbankan dalam mengelola bisnisnya dan investor dalam pengambilan keputusan investasi agar dapat memanfaatkan informasi mengenai kebijakan dividen, ukuran perusahaan dan leverage sebelum melakukan investasi di pasar saham.

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