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All Journal ETIKONOMI MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Research Report - Social Science Journal of Economics, Business, & Accountancy Ventura Gadjah Mada International Journal of Business JMM17: Jurnal Ilmu Ekonomi dan Manajemen PROFIT : Jurnal Administrasi Bisnis MIX : Jurnal Ilmiah Manajemen Jurnal Ilmiah Econosains Panrita Abdi - Jurnal Pengabdian pada Masyarakat Jurnal Manajemen & Keuangan Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Jurnal ASET (Akuntansi Riset) JMM (Jurnal Masyarakat Mandiri) JCES (Journal of Character Education Society) Almana : Jurnal Manajemen dan Bisnis Economics and Finance in Indonesia JIA (Jurnal Ilmiah Akuntansi) Jurnal Muara Ilmu Ekonomi dan Bisnis Kumawula: Jurnal Pengabdian Kepada Masyarakat Valid Jurnal Ilmiah Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal ABDINUS : Jurnal Pengabdian Nusantara Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Movere Journal Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Accounting and Finance Studies Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Social And Economics Research Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan RESLAJ: Religion Education Social Laa Roiba Journal Economic and Finance in Indonesia SUBAKTYA, Unpar Community Service Journal E-JURNAL AKUNTANSI E-Jurnal Akuntansi
Vera Intanie Dewi
Universitas Katolik Parahyangan
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PENGARUH INTERNAL BANK DAN MAKROEKONOMI TERHADAP KREDIT BERMASALAH (NON-PERFORMING LOANS) DI INDONESIA Nicolaus Juan Adiputra; Vera Intanie Dewi; Chandra Utama; Budi Tjahja Halim
Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Vol 12, No 1 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jep.v12i1.2957

Abstract

ABSTRAKRisiko kredit yang tercermin dalam rasio Non-Performing Loan (NPL) masih menjadi tantangan bagi stabilitas sistem perbankan di Indonesia, terutama di tengah ketidakpastian kondisi makroekonomi dan perbedaan temuan penelitian mengenai faktor-faktor yang memengaruhinya. Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor internal bank, yaitu Biaya Operasional terhadap Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Net Interest Margin (NIM), serta faktor-faktor makroekonomi yang meliputi suku bunga, inflasi, pertumbuhan ekonomi, dan nilai tukar terhadap tingkat Non-Performing Loan (NPL). Populasi penelitian ini adalah seluruh bank kategori KBMI IV di Indonesia yang terdiri atas empat bank, yaitu Bank Mandiri, BRI, BNI, dan BCA. Penelitian menggunakan data panel triwulanan periode 2015Q1–2025Q1 dengan total 164 observasi yang dianalisis menggunakan Fixed Effect Model (FEM). Hasil penelitian menunjukkan bahwa NIM, CAR, dan BOPO berpengaruh positif dan signifikan terhadap NPL, sedangkan BI Rate berpengaruh negatif dan signifikan. Sementara itu, LDR, inflasi, pertumbuhan ekonomi, dan nilai tukar tidak berpengaruh signifikan terhadap NPL. Model mampu menjelaskan 49,38% variasi NPL. Temuan ini memberikan implikasi bagi perbankan dan regulator dalam memperkuat manajemen risiko kredit serta menjaga stabilitas sistem keuangan.ABSTRACTCredit risk, reflected in the Non-Performing Loan (NPL) ratio, remains a major challenge to the stability of Indonesia’s banking system amid macroeconomic uncertainty and inconsistent findings regarding its determinants. This study aims to examine the effects of internal bank factors, namely Operating Expenses to Operating Income (BOPO), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM), as well as macroeconomic factors, including interest rates, inflation, economic growth, and exchange rates, on the NPL ratio. The study population comprises all KBMI IV banks in Indonesia, consisting of four banks: Bank Mandiri, BRI, BNI, and BCA. Quarterly panel data covering the period from 2015Q1 to 2025Q1, with a total of 164 observations, were analyzed using the Fixed Effect Model (FEM). The results indicate that NIM, CAR, and BOPO have positive and significant effects on NPLs, whereas the BI Rate has a negative and significant effect. Meanwhile, LDR, inflation, economic growth, and the exchange rate have no significant effects on NPLs. The model explains 49.38% of the variation in NPLs. These findings provide important implications for banks and regulators in strengthening credit risk management and maintaining financial system stability.
The Influence of Bank Risk and Third-party Funds on Bank Performance in South Korea’s Commercial Bank Muhammad Faruq Abdulhakim; Vera Intanie Dewi; Feby Astrid Kesaulya; Chris Petra Agung; Adam Hawari
MIX: JURNAL ILMIAH MANAJEMEN Vol. 16 No. 2 (2026): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2026.v16i2.017

Abstract

Objectives: This study aims to analyze the effects of bank risks (credit, market, and operational risks) and third-party funds (TPF) on the performance of South Korean banks.Methodology: This study employed a quantitative research method to achieve the research objectives. Panel data regression using a fixed-effects model was applied to examine the relationships between the variables. Secondary data were collected from the South Korean Financial Supervisory Service, covering 12 conventional commercial banks. The study period spans from December 2015 to December 2023.Finding: The findings show that market risk, operational risk, and third-party funds significantly influence the profitability of South Korean commercial banks. Meanwhile, credit risk has no significant effect on bank performance.Conclusion: Market risk, third-party funds (TPF), and operational risk are important determinants of bank performance. Effective risk management, consistent with Basel standards, can improve operational efficiency, reduce costs, and increase net profit. However, this study finds that credit risk has no significant effect on bank performance.
Determinants of the Adoption of Digital Finance: Evidence from Indonesia Dewi, Vera Intanie; Debby, Teressia; Dharwiyanti, Sri
ETIKONOMI Vol. 25 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v25i1.46612

Abstract

Research Originality: This study offers novelty by analyzing the underexplored influence of customer-perceived value on the intention to use digital finance, and how this relationship is uniquely moderated by digital financial literacy and perceived risk. Research Objective: The research investigates the effect of the customer value proposition on the intention to use digital finance, and whether this relationship is strengthened by digital financial literacy and the perceived risk. Research Method: Using a quantitative explanatory design, the data from 409 Indonesian respondents were analyzed employing PLS-SEM. Empirical Results: The findings indicate that convenience, economic benefits, security, and seamless transactions significantly enhance CPV, which in turn positively affects the intention to use digital finance. DFL strengthens the relationship between CPV and the intention to use digital finance (quasi-moderator), whereas the perceived risk weakens it (pure moderator). Implication: These results imply that strengthening the value propositions, improving people’s digital financial literacy, and mitigating the perceived risk are critical strategies to accelerate the responsible adoption of digital finance in emerging economies. JEL Classification: O33, G20, G53, D14, D91
Analisis Kinerja Keuangan PT. MNC Sky Vision Tbk pada Periode 2019-2023 Karissa Meina Maulida; Chris Petra Agung; Vera Intanie Dewi
Movere Journal Vol. 7 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v7i2.593

Abstract

Indonesia's media and entertainment industry has experienced significant growth; however, PT. MNC Sky Vision Tbk faced challenges due to declining subscribers from 2019 to 2023. This led to a decrease in revenue and an increase in net losses. This study evaluates the company's financial performance using financial ratio analysis, horizontal and vertical analysis, and cash flow analysis based on financial statements and annual reports. The findings indicate a downward trend in financial performance, driven by declining sales without a proportional reduction in the cost of revenue, with fixed asset depreciation being the largest expense. Most financial ratios show deterioration and reduced cash inflows from operating activities have heightened the company’s liquidity risk. To address these issues, the company should focus on increasing sales, improving accounts receivable collection, and optimizing fixed asset management to enhance financial stability and ensure long-term business sustainability.
PENINGKATAN LITERASI KEUANGAN GURU DAN SISWA SEKOLAH TINGKAT DASAR Budiana Gomulia; Inge Barlian; Vera Intanie Dewi; Nabilla Putri; Chris Petra Agung
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 4 (2025): Agustus
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i4.32045

Abstract

Abstrak: Maraknya modus penipuan keuangan modern dan ketidakmampuan sebagian besar masyarakat dalam mengambil keputusan keuangan secara bijaksana, menjadikan pendidikan literasi keuangan sangat dibutuhkan masyarakat. Tujuan Program Pengabdian bagi guru dan siswa SD. untuk memberikan pengetahuan dasar keuangan dan penyadaran pentingnya “good habit” pribadi/keluarga sejak dini. Kegiatan ini diikuti oleh sebanyak 20 guru dan 67 siswa. Guru mendapat pelatihan Finacial Life Skill-Modul Usaid, sementara siswa melakukan simulasi menggunakan board game Petualangan Anak Pintar. Berdasarkan hasil Evaluasi melalui FGD dan Survey, seluruh (100%) peserta menyatakan materi sesuai dengan kebutuhan,bermanfaat dan mudah diikuti Sehingga dapat meningkatkan rasa percaya diri dan berpikir Kritis dalam membuat keputusan keuangan,seperti membuat anggaran, mengelola keuangan dan merencanakan tabungan. Dan para guru menilai adanya peluang untuk mengadaptasikan materi FLS ke dalam Kurikulum SD. Penggunaan board game PAP sebagai metode yang menarik dan efektif untuk siswa mengenal literasi keuangan. Namun masih diperlukan inovasi materi yang disesuaikan dengan kemampuan siswa pada tingkat - Kelas IV, V, VI.Abstract: The increasing prevalence of modern financial fraud schemes and the general public’s limited capacity to make sound financial decisions underscore the urgent need for financial literacy education. This community service program, targeted at elementary school teachers and students, aims to provide fundamental financial knowledge and raise awareness about the importance of developing "good habits" at the individual and family levels from an early age. The program involved 20 teachers and 67 students. Teachers received training using the Financial Life Skills (FLS) module developed by USAID, while students participated in simulations through the Petualangan Anak Pintar (Smart Kids’ Adventure) board game. Evaluation results from focus group discussions (FGDs) and surveys revealed that all participants (100%) found the material relevant to their needs, beneficial, and easy to follow. The program significantly enhanced participants' confidence and critical thinking skills in making financial decisions, such as budgeting, managing finances, and planning savings. Furthermore, teachers identified the potential to integrate FLS materials into the elementary school curriculum. The use of the PAP board game proved to be an engaging and effective method for introducing financial literacy to students. Nevertheless, there remains a need for material innovation tailored to the cognitive abilities of students in Grades IV, V, and VI.
THE IMPACT OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDE ON HOUSEWIVES SAVING BEHAVIOR IN BANDUNG CITY Laurencia Stefiany; Ignasia Tiffani; Vera Intanie Dewi
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol. 9 No. 2 (2025): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v9i2.35078

Abstract

Pertumbuhan ekonomi di Indonesia masih terhambat oleh rendahnya budaya menabung, yang terlihat dari adanya kesenjangan antara jumlah rekening tabungan dan pertumbuhan nominalnya, menurut laporan DIC. Kesenjangan ini berkaitan dengan rendahnya literasi keuangan, yang mencakup pengetahuan, sikap, dan perilaku. Ibu rumah tangga, yang memiliki peran penting dalam mengelola keuangan rumah tangga sekaligus berpengaruh dalam mendidik generasi berikutnya, menjadi fokus utama pemerintah dalam program literasi keuangan. Penelitian ini mengkaji pengaruh pengetahuan keuangan dan sikap keuangan terhadap perilaku menabung ibu rumah tangga di Bandung. Dengan menggunakan desain penelitian eksplanatori, data dikumpulkan dari perempuan menikah berusia 19 tahun ke atas yang telah menetap di Bandung minimal enam bulan. Kuesioner disebarkan baik secara daring maupun luring, kemudian dianalisis menggunakan metode SEM-PLS melalui SmartPLS 4.0. Hasil penelitian menunjukkan bahwa pengetahuan dan sikap keuangan berpengaruh signifikan terhadap perilaku menabung, dengan pengaruh pengetahuan keuangan yang lebih kuat. Nilai adjusted R-square sebesar 0,553 mengindikasikan bahwa kedua variabel tersebut mampu menjelaskan 55,3% perilaku menabung, sementara 44,7% sisanya dipengaruhi oleh faktor lain. Penelitian ini memberikan kontribusi pada pemahaman mengenai peran penting literasi keuangan dalam membangun budaya menabung serta menawarkan wawasan praktis bagi pembuat kebijakan dan pendidik keuangan untuk merancang intervensi yang lebih tepat sasaran bagi ibu rumah tangga. Dengan demikian, kemampuan pengelolaan keuangan mereka dapat ditingkatkan dan pada akhirnya mendukung pertumbuhan ekonomi.   Economic growth in Indonesia remains hindered by a low saving culture, as evident from the gap between the number of savings accounts and their nominal growth, according to DIC reports. This disparity is linked to inadequate financial literacy, encompassing knowledge, attitudes, and behaviors. Housewives, being central to household financial management and influential in educating future generations, are the government’s primary focus for financial literacy initiatives. This study investigates the influence of financial knowledge and financial attitudes on the saving behavior of housewives in Bandung. Using an explanatory research design, data were collected from married women aged 19 and older who had resided in Bandung for at least six months. Questionnaires were distributed both online and offline, with analysis conducted using the SEM-PLS method via SmartPLS 4.0. The findings reveal that financial knowledge and attitudes significantly impact saving behavior, with financial knowledge exerting a stronger influence. An adjusted R-square of 0.553 indicates that these variables explain 55.3% of saving behavior, while 44.7% remains attributed to other factors. This research contributes to understanding the critical role of financial literacy in fostering a saving culture and provides actionable insights for policymakers and financial educators to develop targeted interventions for housewives, enhancing their financial management capabilities and ultimately supporting economic growth.
Pengaruh Literasi Keuangan Terhadap Kesejahteraan Keuangan Melalui Perilaku Keuangan Sebagai Variabel Mediasi pada Anggota Koperasi Karyawan Suci Rahmadani; Vera Intanie Dewi
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 9 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i9.13031

Abstract

Financial well-being has become an essential aspect of individual welfare, particularly amid increasing economic uncertainty and the growing complexity of financial products and services. Although financial inclusion in Indonesia has improved considerably, the level of financial literacy remains relatively low, limiting individuals' ability to make informed financial decisions. This study investigates the influence of financial literacy on financial well-being, with financial behavior serving as a mediating variable among employee cooperative members. A quantitative research design was employed using a survey of 187 respondents selected through purposive sampling. The collected data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings reveal that financial literacy has a positive and significant effect on both financial behavior and financial well-being. In addition, financial behavior significantly enhances financial well-being and partially mediates the relationship between financial literacy and financial well-being. The stronger indirect effect compared with the direct effect suggests that financial knowledge contributes more effectively to financial well-being when it is translated into responsible financial behavior. These findings provide empirical evidence highlighting the strategic role of financial behavior in improving financial well-being and offer practical insights for employee cooperatives in developing more effective financial education programs for their members.
Liquidity, Leverage, Profitability, Coupon Rate, and Maturity Structure: Determinants of Corporate Bond Ratings Elly Helena Sitorus; Vera Intanie Dewi
E-Jurnal Akuntansi Vol. 35 No. 6 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJA.2025.v35.i06.p14

Abstract

Recent instances of default among companies in the Basic Materials sector—despite their investment-grade bond ratings—have raised concerns about the reliability of these ratings as indicators of creditworthiness. Investment-grade classifications are intended to signal a firm’s relatively robust capacity to meet its debt obligations and are typically grounded in assessments of key financial metrics. This study investigates the extent to which liquidity, leverage, profitability, coupon rate, and bond maturity influence bond ratings. A purposive sampling approach was adopted, yielding a sample of ten firms observed over the period 2020 to 2024. Employing panel data regression, the analysis explores both the individual and joint effects of the selected variables on bond ratings. The findings suggest that each of the examined factors—liquidity, leverage, profitability, coupon rate, and maturity—exerts a significant influence on bond ratings, both independently and in combination. Keywords: Liquidity; Leverage; Profitability; Coupon; Bond Maturity; Bond Rating
Pengaruh Nilai ESG terhadap Rasio Return on Equity Perusahaan Perbankan di ESG Leaders Index 2020-2024 Margareta Chrisnandia Indriyanto; Vera Intanie Dewi; Maria Widyarini
Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 4 No. 4 (2026): Oktober: Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahan
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/wawasan.v4i4.4812

Abstract

This study examines the impact of Environmental, Social, and Governance (ESG) factors on the financial performance of banking companies included in the IDX ESG Leaders (ESGL) Index during 2020–2024. A quantitative approach was employed using panel data regression analysis, with the Fixed Effects Model (FEM) selected as the best estimation model. Financial performance was measured using Return on Equity (ROE), while the Environmental (E), Social (S), and Governance (G) dimensions were measured using Refinitiv Eikon ESG data. The sample consisted of three banking companies selected through purposive sampling based on consistent inclusion in the IDX ESG Leaders Index, ESG data availability, and published financial reports. The findings indicate that the Environmental and Governance dimensions have positive effects on ROE, whereas the Social dimension has a negative effect. Simultaneously, all ESG dimensions significantly influence financial performance. The coefficient of determination (R² = 0.7277) shows that 72.77% of the variation in ROE is explained by the ESG variables. These results suggest that ESG implementation contributes to banking financial performance, although each ESG component affects profitability differently, highlighting the need for balanced ESG management to support long-term sustainability.
Co-Authors Abdulhakim, Muhammad Faruq Achmad Faisal, Achmad Achmad Noerkhaerin Putra Adam Hawari Agung, Chris Petra Agus Hasan Aldrin Herwany Alverell Panangian Hutagalung Anhar Fauzan Priyono Badaruz Zaman Benny Budiawan Tjandrasa Bernard T. Widjaja Brigita Meylianti Sulungbudi Budi Tjahja Halim Budiana Gomulia Budiono Budiono Budiono Budiono Catharina Ria Budiningsih, Catharina Ria Chandra Utama Cindy Devina Setiawan Debby, Teressia Detti, Regina Dharma Putra Sudjaja Dharma Putra Sundjaja Dharwiyanti, Sri Elaine Vashti Bestari Kustedja Elly Helena Sitorus Elvira Maytasya Simanjuntak Eva Ervani Eva Erviani Feby Astrid Kesaulya Felisca O Felisca Oriana Felisca Oriana S Felisca Oriana Surjoko Fernando Mulia Fitri Hastuti Gunawan, Vincent Halim, Budi Tjahja Hartanto, Evan Hasyim, Irsanti Herry Herry Ica Rika Candraningrat Ica Rika Candraningrat Ignasia Tiffani Indupurnahayu Inge Barlian Istiharini Karissa Meina Maulida Kesaulya, Feby Astrid Laurencia Stefiany Lestari Eva Maryani Lilian Danil Margareta Chrisnandia Indriyanto Meilinda . Meilinda Meilinda Militcyano Samuel Sapulette Militcyano Samuel Sapulette Muhammad Faruq Abdulhakim Muhammad Faruq Abdulhakim Muhammad Rafdi Raihan Pranata Nabilla Putri Ni Wayan Mujiati Nia Carmila Siringoringo Nicolaus Juan Adiputra Nike Anabella Nina Septina Novianti, Nurfa Citra Nugroho, Nicolaus Wicaksono Nury Effendi Nyoman Abundanti Pangau, Angelia Christin Parlindungan, Salomon Powell, Karen Arecia Pratama, Yehuda Nino Putri, Gianisa Mentari Putri, Nabilla Ditya Putu Ayu Kezia Dewi Rahmani, Syifa Afifah Regina Deti Renea Shinta Aminda Ria Satyarini Ridwan S. Sundjaja Ridwan S. Sundjaja Ridwan Sundjaja Rizka Nugraha Praktikna Rooroh, Ryo Junior Salomon Parlindungan Samuel Samuel Samuel Sapulette, Militcyano Sapulette, Militcyano Samuel Sastroredjo, Probowo Erawan Setiawan, Daniel Imanuel Singadipoera, Muhammad Raihan Rafly Suci Rahmadani Suminar, Rita Sylvia Fettry E.M Tjandrasa, Benny Budiawan Triyana Iskandarsyah Umi Widyastuti Vincent Gunawan YUSUF, RAMAYANI