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All Journal Jurnal Ekonomi : Journal of Economic Jurnal Keuangan dan Perbankan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis WIDYAKALA JOURNAL International Research Journal of Business Studies (E-Journal) Jurnal Pengabdian Masyarakat AbdiMas Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Journal of Multidisciplinary Academic (JRAMB) Jurnal Riset Akuntansi Mercu Buana JMB : Jurnal Manajemen dan Bisnis Jurnal Ilmiah Manajemen Kesatuan Enrichment : Journal of Management Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Cafetaria Quantitative Economics and Management Studies International Journal of Business, Law, and Education Golden Ratio of Finance Management Journal of Management and Digital Business Journal of Innovative and Creativity International Research Journal of Business Studies Asian Journal of Management, Entrepreneurship and Social Science
Sapto Jumono
Universitas Esa Unggul
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Social Sciences Other

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Evaluating Financial Health in Indonesia's Infrastructure Sector: The Impact of Capital Structure, Liquidity, and Firm Size Simanungkalit, Royhisar Martahan; Anugrah, Faisal; Jumono, Sapto; Adhikara, Muhammad Fachruddin Arrozi; Munandar, Agus; Suharna, Jaka
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1059

Abstract

This study analyzes the effect of capital structure, liquidity, and company size on financial performance. In this study, there are three independent variables, namely capital structure as measured by DER, liquidity as measured by Current Ratio, and company size as measured by total assets, and one dependent variable, namely financial performance as measured by ROA. The object of this research is infrastructure sector companies listed on the Indonesia Stock Exchange from 2021 to 2023 using secondary data, namely the companies' financial statements. The sampling technique in this study used a purposive sampling technique, with the number of samples obtained being 32 companies for 3 years, making a total of 96 sample data points. This study uses multiple linear regression analysis methods by conducting hypothesis testing to see its effect on financial performance. The results showed that the capital structure and liquidity variables negatively affected financial performance, while the company size variable did not affect the company's financial performance. This research can also be a consideration for companies to optimize capital structure management and increase company liquidity. The combination of debt and equity will be able to maximize profitability. Decisions regarding the use of debt must consider the risks that may arise as well as the potential return on investment. Thus, the company can improve its financial performance and provide positive signals to investors.
INCOME DIVERSIFICATION, PROFITABILITY, AND RISK IN ISLAMIC BANKING IN INDONESIA Mala, Chajar Matari Fath; Jumono, Sapto; Lastro, Windarko; Iskandar, Yusuf
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.266

Abstract

This study investigates the factors that affect income diversification and the associated risk in Indonesian Islamic banking. Panel regression is used to examine the correlation between risk factors, including primary operating revenue, fee-based income, internal and external factors, and the profitability of Islamic banks. Panel regression analysis has been conducted on the data from 2012-2016 to determine the factors that affect profitability and risk. The results show that pretax profit, after-tax profit as a proportion of total assets, and after-tax profit as a percentage of total equity react differently to income diversification. According to the findings, an increase in profit before taxes can be expected as the number and diversity of a company's revenue streams continue to expand. This indicates that the financial health of Islamic banks improves when they have access to many revenue streams. Furthermore, the standard deviation of baseline income shows that diversifying sources of income has little effect on internal risk.
The Impacts of ALMA Primary Variables on Profitability An Empirical Study of Indonesian Banking Jumono, Sapto; Achsani, Noer Azam; Hakim, Dedi Budiman; Firdaus, Muhamad
International Research Journal of Business Studies Vol. 8 No. 1 (2015): April - July 2015
Publisher : Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/irjbs.8.1.13-32

Abstract

This study aims to determine the impact of liquidity on BEP and ROE in Indonesian banking industry. The supporting theory in this study is ALMA theory. Based on annual data for the period 2001-2014 and following purposive sampling technique, the acquired amount of sample study is 97 banks. The data is analyzed using panel data regression of GMM Arrelano Bond, as a novelty in data processing, therefore the speed of adjustment can be known. The ALMA variables such as LAR, capital, leverage, operating expenses, interest income, and CAR sensitivity have a significant effect on BEP and ROE. Meanwhile LDR, NPL, the FBI have no impact on profitability. The implication of this study is the fact that banking performance in Indonesia can be leveled up through the reduction in mortgage interest rates and increment of credit volume and FBI.
Credit Risk Management via Capital Adequacy: Insights on Stability from Indonesia Regional Banks Chajar Matari Fath Mala; Sapto Jumono
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3175

Abstract

This study investigates the moderating role of Capital Adequacy Ratio on the relationship between Non-Performing Loans and core banking indicators Lerner Index, market share of loans, market share of deposits, technical efficiency, scale efficiency, and interest rate spread across two categories of Indonesian Regional Development Banks: undercapitalized (Category-1) and well-capitalized (Category-2). Using quarterly panel data from 24 Indonesian Regional Development Banks for the period 2012–2022 and estimated with Generalized Least Squares, the results show that Capital Adequacy Ratio significantly moderates the effect of Lerner Index, market share of deposits, and interest rate spread on Non-Performing Loans, strengthening risk absorption capacity in Category-2 banks. However, Capital Adequacy Ratio does not effectively mitigate risks arising from aggressive loan growth, particularly in Category-1 banks. Additionally, technical efficiency and scale efficiency reduce Non-Performing Loans only when capital buffers are adequate. These findings suggest that Capital Adequacy Ratio affects the risk–return trade-off differently across bank types, highlighting the importance of tailored regulatory frameworks and reinforcing the notion that capital adequacy must be supported by strong governance and operational efficiency to effectively manage credit risk.
Granger Causality and Hierarchical Transmission Patterns in BRICS Currency Markets Mala, Chajar Matari Fath; Jumono, Sapto
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5739

Abstract

The short-run causal links and the multistage transmission order among BRICS (Brazil, Russia, India, China, and South Africa) currencies against the US dollar are studied from November 2019 to May 2025. We utilise daily exchange rate returns and employ a multinivariate VAR-Granger causality framework with a lag length of eight to account for short-run interactions during periods encompassing multiple global shocks, such as the COVID-19 pandemic and the Russia-Ukraine war. The pre-estimation diagnostics (ADF unit root test, stability checks and LM serial correlation tests) are strong evidence of the soundness of the model. Granger causality tests, on the other hand, reveal a specific asymmetric, hierarchical structure. A set of players, including the Russian ruble (RUB) and the Indian rupee (INR), are primarily transmitting shocks. At the same time, a second group, e.g., featuring the Chinese yuan (CNY) and South African rand (ZAR), acts as a shock absorber. This novel contribution to the literature uncovers short-run causality behaviors in BRICS forex markets during a previously unprecedented multi-crisis period. It offers new insights into the foreign exchange policy coordination and exchange risk management.
Pengaruh E-Wom, Information Adoption, Brand Image Terhadap Purchase Intention Pada Produk Skincare Glad2glow Di Shopee Anisya Suwardi; Sapto Jumono
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.3562

Abstract

Penelitian ini bertujuan untuk menganalisi pengaruh electronic word of mouth (e-wom), information adoption, dan brand image terhadap pengaruh purchase intention konsumen terhadap produk skincare Glad2Glow di platform Shopee. Latar belakang penelitian ini didasari oleh meningkatnya kesadaran konsumen terhadap perawatan kulit serta peran ulasan digital dalam pengambilan keputusan pembelian. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner online kepada 120 responden berusia 17-30 tahun yang berdomisili di Jakarta dan pernah melihat produk skincare Glad2Glow di Shopee. Analisis data menggunakan metode Structural Equation Modeling (SEM) dengan software SmartPLS. Hasil penelitian menunjukkan bahwa e- wom berpengaruh positif signifikan terhadap information adoption dan purchase intention, information adoption berpengaruh positif terhadap purchase intention, brand image juga berpengaruh positif terhadap pucrchase intention, serta information adoption memediasi hubungan antara e-wom dan purchase intention. Implikasi dari penelitian ini menunjukkan pentingnya strategi digital marketing yang berfokus pada kualitas e-wom, keakuratan informasi produk, serta penguatan brand image untuk meningkatkan minat beli konsumen.
Pengaruh Green Marketing, Perceived Green Value dan Green Brand Awareness terhadap Green Purchase Intention Pada Produk Skincare Ramah Lingkungan Ghaida Tsuraya Zahra; Sapto Jumono
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.5713

Abstract

Pertumbuhan industri dan teknologi memicu kerusakan lingkungan, termasuk dari limbah industri skincare. Tren ramah lingkungan mendorong produsen beralih ke bahan alami. Media sosial seperti Instagram dan TikTok berperan besar dalam menyebarkan kampanye green marketing dan memengaruhi perilaku konsumen, khususnya generasi muda. Penelitian ini mengeksplorasi pengaruh green marketing, perceived green value, green brand awareness, dan green purchase intention, baik secara langsung maupun tidak langsung. Menggunakan metode purposive sampling, penelitian melibatkan 107 responden berusia minimal 18 tahun yang berdomisili di Jakarta dan tertarik untuk membeli produk skincare ramah lingkungan. Data dikumpulkan melalui kuesioner online menggunakan google form, dan model penelitian diuji dengan SEM-PLS. Hasil penelitian menunjukkan bahwa green marketing berpengaruh positif terhadap perceived green value. Namun, perceived green value tidak berpengaruh terhadap green purchase intention. Green marketing juga tidak berpengaruh langsung terhadap green purchase intention. Selanjutnya, green marketing terbukti berpengaruh positif terhadap green brand awareness, dan green brand awareness berpengaruh positif terhadap green purchase intention. Selain itu, green marketing berpengaruh terhadap green purchase intention yang dimediasi oleh green brand awareness. Temuan ini mengindikasikan bahwa peningkatan niat beli produk skincare ramah lingkungan lebih efektif dilakukan melalui penguatan green brand awareness. Hasil penelitian ini memberikan beberapa implikasi bagi manajemen perusahaan skincare. Perusahaan disarankan untuk lebih gencar mengedukasi konsumen mengenai manfaat penggunaan produk skincare yang mendukung kelestarian lingkungan.
Co-Authors Abddurahman, Abddurahman Abdurahman Abdurrahman Abdurrahman Abdurrahman Abdurrahman Abdurrahman Abdurrahman Abdurrahman Adhikara, Muhammad Fachruddin Arrozi Agus Munandar Alfian Yudha Sasongko Angela, Michelle Anhar, Febri Anisya Suwardi Anugrah, Faisal Bobby Cornelius Chajar Matari Fath Mala DB Hakim, DB Hakim Dedi Budiman Hakim Dwi Ramadani Eka Bertuah Erliza Noor Fadli, Jul Aidil Fathmala, Chajar Matari Ghaida Tsuraya Zahra Hakim, Dedi Budiman Imanuel Madea Sakti Jatmiko Jatmiko Kartika Sitorus Kristina , Desi Laksono Trisnantoro Langgeng Harum Islami LIA AMALIA M Firdaus, M Firdaus M. Ikhsan Mala, Chajar Matari Fath MF. Arrozi Adhikara Muhamad Firdaus Noel Singgih Haryo Pradono Rahayu, Nurjannah Endah Royhisar Martahan Simanungkalit SL Hastirin Djulijanti SL Hastirin Djulijanti Solly Aryza Sri Handayani Sugiyanto - Suharna, Jaka TATI NURHAYATI Tirta, Yonathan Harun Windarko Windarko Yusuf Iskandar