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All Journal Journal of Indonesian Economy and Business Jurnal Riset Akuntansi dan Keuangan Prosiding Seminar Nasional Darmajaya Jurnal Administrasi dan Manajemen Jurnal Ilmiah Edunomika (JIE) International Journal of Economics Development Research (IJEDR) Jurnal Abdi Insani Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Ilmiah Manajemen dan Bisnis (JIMBis)
Emanuel Kristijadi
STIE PERBANAS Surabaya
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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THE EFFECT OF GCG IMPLEMENTATION AND RISK PROFILE ON FINANCIAL PERFORMANCE AT GO-PUBLIC NATIONAL COMMERCIAL BANKS Haryati, Sri; Kristijadi, Emanuel
Journal of Indonesian Economy and Business Vol 29, No 3 (2014): September
Publisher : Journal of Indonesian Economy and Business

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Abstract

The research tests the effect of the risk profile and the application of corporate governanceon financial performance at go-public national commercial bank. The data were taken fromtheir financial statement and GCG assessment published during 2008-2010, analyzed usingSEM with generalized structured component analysis (GSCA). It shows that risk profile has nosignificant and positive effect on the financial performance. Among the four risk profiles,liquidity risk has the best discriminate validity. However, GCG has significant and positiveeffect on the financial performance, and only financial and non financial transparency has thebest convergent validity. Banks five financial performance indicators have good validity.Beside, ROA, NIM and CAR have good validity in which ROA has the highest loading estimate.Keywords: good corporate governance, risk profile, profitability, capital
ANALISIS KANDUNGAN INFORMASI DAN EFEK INTRA INDUSTRI PENGUMUMAN STOCK SPLIT YANG DILAKUKAN OLEH PERUSAHAAN BERTUMBUH DAN TIDAK BERTUMBUH Almilia, Luciana Spica; Kristijadi, Emanuel
Journal of Indonesian Economy and Business Vol 20, No 1 (2005): January
Publisher : Journal of Indonesian Economy and Business

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Abstract

The objective of this research is to examine empirically about the information contentand intra industry effect of stock split announcement. The analysis include three aspects:information content, risk (beta) and intra industry effect of stock split announcement bygrowth firm and not growth firm.The sample of this research is 79 reporter firm (consist of 59 growth firm and 20 notgrowth firm) and 166 non reporter firms during the period of 1997 – 2002. The result ofthis research show that stock split has information content which is negatively respondendand statistically significant responded by the market around the date of stock splitannouncement. The difference between beta growth firms and not growth firms after stocksplit announcement is significant. The intra industry effect of stock split announcement iscompetitive effect.Keywords: stock split, intra industry effect, competitive effect, information content
PENGEMBANGAN LABORATORIUM MANAJEMEN PEMASARAN BERBASIS DATA CENTER DI FAKULTAS EKONOMI DAN BISNIS IBI DARMAJAYA -, Susanti; -, Herlina; Kristijadi, Emanuel; Shonhadji, Nanang
Prosiding Seminar Nasional Darmajaya Vol 1 (2017): SEMNAS IIB DARMAJAYA
Publisher : Prosiding Seminar Nasional Darmajaya

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Abstract

Tujuan dari pengembangan laboratorium manajemen pemsaran ini sebagai sarana mengembangkan keterampilan mahasiswa dalam bidang public relation, memasarkan jasa … metode yang digunakan adalah  metode reseach and development (R&D) yaitu mengembangkan bahan ajar perkuliahan. karena laporan yang dihasilkan adalah berupa produk bahan ajar. Hasil yang diperoleh dari pengembangan laboratorium manajemen pemasaran ini adalah bahan ajar praktikum manajemen pemasaran. Kata Kunci : Laboratorium, manajemen Pemasaran, Bahan ajar
PENGARUH RISIKO KREDIT, KINERJA LABA, UKURAN BANK DAN LIKUIDITAS TERHADAP PERMODALAN BANK DI INDONESIA Fatmawati, Dian; Kristijadi, Emanuel
Jurnal Riset Akuntansi dan Keuangan Vol 9, No 2 (2021): Jurnal Riset Akuntansi dan Keuangan. Agustus 2021 [DOAJ & SINTA Indexed]
Publisher : Program Studi Akuntansi FPEB UPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jrak.v9i2.29803

Abstract

Penelitian ini bertujuan untuk membuktikan pengaruh risiko kredit, kinerja laba, ukuran bank dan likuidasi terhadap permodalan bank di Indonesia. Penelitian dilakukan dengan metode kuantitatif, dengan menggunakan sumber data sekunder, yaitu laporan keuangan triwulan yang tercatat di buesa efek (BEI) tahun 2016-2018, dengan menggunakan teknik pengambilan sampel Purposive Sampling dengan sampel 10 Bank terbesar di Indonesia berdasarkan total asset (per desember 2018). Pengolahan data dilakukan dengan menggunakan Stata dengan teknik analis data menggunakan uji regresi data panel. Hasil penelitian menunjukkan bahwa risiko kredit berpengaruh negative signifikan terhadap permodalan, kinerja laba berpengaruh negative tidak signifikan terhadap permodalan, ukuran bank berpengaruh negative tidak signifikan terhadap permodalan dan likuidasi berpengaruh negative tidak signifikan terhadap permodalan.
The Role of Locally-Generated Revenue in Mediating The Influence of Credit Distribution on Economic Growth in East Java Purnomo, Okky; Kristijadi, Emanuel
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 4 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i4.6405

Abstract

This study aims to test the role of locally-generated revenue in mediating the influence of credit distribution on economic growth in East Java. The research population was all cities and districts in East Java, and all of them were studied. The method used is the structural equation model and the Sobel Test to test its mediation role. Data from 38 cities and districts during 2018-2022 were processed using Eviews 12. The results of this study indicate that the distribution of working capital, investment and consumer credit has a positive and significant effect on economic growth in East Java. The distribution of working capital, investment and consumer credit does not have a significant influence on locally-generated revenue. Locally-generated revenue also does not have a significant influence on economic growth, so locally-generate revenue is also unable to mediate the positive influence of the credit distribution on economic growth in East Java.
PELATIHAN PERBANKAN TERKINI UNTUK GURU – GURU MGMP AKUNTANSI DAN PERBANKAN Rokhmania, Nur Aini; Sistiyarini, Evi; Kristijadi, Emanuel
Jurnal Abdi Insani Vol 11 No 4 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i4.2124

Abstract

The Subject Teacher Discussion Group (MGMP) for Accounting and Banking in Surabaya City serves as a professional platform for Accounting and Banking teachers. In recent years, the banking industry has undergone rapid changes related to regulations and digitalization. The issue is that teachers' understanding of regulatory changes, digitalization developments, and fintech in banking is still low. This community service utilizes a Participatory Action Research (PAR) approach with four stages of activity: problem identification, planning, implementation, and training activity analysis. The training session featured three speakers covering topics on Banking Development, Lab Bank Applications, and Digital Accounting and Services. Analysis of the pre-test results showed an average score of correct answers at 51%, while the post-test reached 72%, indicating an improvement in teachers' understanding of regulatory changes, digitalization developments, and fintech in the banking sector.
Analyzing How Liquidity, Efficiency, and Bank Size Influence Profitability: Ownership Structure as a Moderator Nulhakim, Lukman; Kristijadi, Emanuel
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 4 No. 4 (2025): SEPTEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v4i4.1894

Abstract

Despite asset growth, rural banks in East Java face declining profitability, with limited research on how financial factors and government ownership shape this performance. This study examines the factors influencing the profitability of rural banks (Bank Perekonomian Rakyat/BPR) in East Java, Indonesia, focusing on liquidity, asset quality, operational efficiency, bank size, and government ownership. The research adopts a quantitative explanatory design with a correlational approach, using secondary data from audited financial statements of rural banks registered with the Financial Services Authority (OJK) for the period 2019–2023. The sample was selected through purposive sampling, covering rural banks with available financial reports and a minimum asset size of IDR 50 billion. Data were analyzed using multiple regression analysis (MRA) to test the direct effects of financial variables on profitability and the moderating role of regency government ownership. The results show that operational efficiency, measured by the Operational Expense to Operating Income ratio (BOPO), negatively affects profitability, highlighting the importance of cost management. Liquidity, as indicated by the Cash Ratio (CR), and asset quality, reflected by the Non-Performing Loan (NPL) ratio, have an insignificant impact on profitability in this context. Regency government ownership moderates the relationship between operational efficiency and profitability, suggesting that local government ownership can reduce the adverse effects of high operational costs. However, local government ownership did not significantly affect asset quality, bank size, or profitability. This study underscores the need for better operational efficiency in rural banks.
PEMANFAATAN BIG DATA DALAM PROYEKSI PEMASARAN KREDIT KONSUMTIF DI BANK JATIM CABANG UTAMA Laily, Zajila; Kholid, Ikhwan; Kristijadi, Emanuel
Jurnal Ilmiah Manajemen dan Bisnis (JIMBis) Vol 2 No 4 (2023): November
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/jimbis.v2i4.6248

Abstract

Penelitian ini dilakukan dengan menimbang pentingnya proyeksi pemasaran untuk persaingan bisnis. Efektifitas proyeksi pemsaran dapat ditingkatkan dengan menggunakan big data sebagai dasar penyusunan proyeksi dalam strategi pemasaran unit bisnis. Penelitian ini menggunakan pendekatan kualitatif yang menyajikan data dengan susunan naratif. Data yang digunakan dalam penlitian ini adalah data primer yang didapat langsung dari proses pengambilan informasi melalui wawancara dengan beberapa informan kunci. Data yang telah didapat kemudian direduksi dan disederhanakan untuk dapat disajikan dalam penelitian ini. Big data merupakan kumpulan informasi secara luas dan tidak terbatas. Dalam perkembangan teknologi pada dunia bisnis membuat big data memiliki peran penting dalam dunia perbankan. Big data berpengaruh sebagai dasar penetapan keputusan dalam memproyeksikan pemasaran. Dalam penelitian ini proyeksi yang dilakukan berfokus pada demografi usia nasabah yang disesuaikan dengan produk kredit konsumtif yang ada pada Bank Jatim. Dari pemanfaatan big data yang dilakukan oleh Bank Jatim, diperoleh hasil bahwa kegiatan pemasaran menjadi lebih mudah, efektif dan tepat sasaran. Hal tersebut menjadi salah satu strategi pemasaran yang dapat dilakukan Bank Jatim untuk mencapai target bahkan melebihi target capaian.
Faktor Penentu Profitabilitas Bank Umum Swasta Nasional Yang Terdaftar di Bursa Efek Indonesia: Pendekatan Regresi Data Panel Dwi Rohmana, Fitria; Kristijadi, Emanuel
JURNAL ADMINISTRASI & MANAJEMEN Vol 14, No 2 (2024): Jurnal Administrasi dan Manajemen
Publisher : Universitas Respati Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/jam.v14i2.3891

Abstract

Tujuan penelitian ini adalah untuk menganalisis pengaruh likuiditas, kualitas aset, sensitivitas pasar dan efisiensi terhadap profitabilitas yang diukur menggunakan ROA. Likuiditas diukur dengan menggunakan Loan to Deposits Ratio (LDR) dan Asset Liquid Ratio (ALR). Kualitas Aset diukur dengan rasio  Non Performing Loan (NPL) dan Aset Produktif Bermasalah (APB). Sensitivitas Pasar diukur dengan rasio Interest Risk Ratio (IRR) dan Posisi Devisa Neto (PDN). Efisiensi diukur dengan rasio Cost Income Ratio (CIR) dan Fee Based Income Ratio (FBIR). Sampel dalam penelitian ini adalah 24 Bank Umum Swasta Nasional Yang Terdaftar di Bursa Efek Indonesia periode 2018 sampai dengan 2022, sehingga jumlah data yang diolah adalah 120. Jenis penelitian ini adalah penelitian kausalitas dan teknik analisis yang digunakan adalah analisis regresi data panel. Pemilihan model regresi data panel dengan Chow Test dan Hausman Test menunjukkan bahwa model terbaik adalah Random Effect Model. Kesimpulan dari penelitian menunjukkan bahwa IRR dan FBIR berpengaruh positif signifikan, CIR berpengaruh negatif signifikan. Rasio LDR dan ALR berpengaruh positif tidak signifikan, sedangkan rasio NPL, APB dan PDN berpengaruh negatif tidak signifikan terhadap ROA.Kata Kunci: Profitabilitas, Likuiditas, Kualitas Aset, Sensitivitas Pasar, Efisiensi, Regresi Data Panel
Pengaruh Fitur Mobile Banking Terhadap Minat Penggunaan Pada Nasabah Amri, Sahrial; Kristijadi, Emanuel
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 3 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i3.18171

Abstract

Abstract This study aims to analyze the influence of perceived usefulness, ease of use, perceived security, feature availability, and service quality on the intention to use mobile banking among customers at PT. BPR Penataran Kabupaten Blitar. The research is motivated by the Financial Services Authority new policy on the implementation of BPR and BPRS products, which encourages them to develop banking digitalization programs to meet customer needs and enhance competitiveness in the digital era. Data was collected from 320 respondents, who were Civil Servants with Work Agreements (ASN P3K), using a questionnaire. The analysis was conducted using a multiple linear regression model with the help of SPSS 21.00 software. The results indicate that the regression model used is feasible. Individually, all five independent variables—perceived usefulness, ease of use, perceived security, feature availability, and service quality have a positive and significant effect on the intention to use mobile banking. The outcome of this study can serve as a guide for PT. BPR Penataran Kabupaten Blitar to optimize its mobile banking services and become a reference for other financial institutions in increasing the adoption and utilization of their digital services. Keywords: mobile banking, intention to use, perceived usefulness, ease of use, perceived security, feature availability, service quality
Co-Authors Amri, Sahrial Dwi Rohmana, Fitria Fatmawati, Dian Herlina Herlina Kholid, Ikhwan Laily, Zajila Luciana Spica Almilia Nanang Shonhadji Nulhakim, Lukman Purnomo, Okky Rokhmania, Nur Aini Sistiyarini, Evi Sri Haryati Susanti -