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All Journal Journal of Economics, Business, & Accountancy Ventura The Indonesian Accounting Review JAKU (Jurnal Akuntansi & Keuangan Unja) (e-journal) EDUCATIO : Journal of Education Jurnal Studi Al-Qur'an At-Tadbir : jurnal ilmiah manajemen International Journal of Community Service Learning Jurnal al-Murabbi Jurnal Samudra Ekonomi dan Bisnis Jurnal Administrasi dan Manajemen Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Mantik Jurnal Ilmiah Al-Mu'ashirah: Media Kajian Al-Qur'an dan Al-Hadits Multi Perspektif Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Scientia Kulidawa Jurnal Cahaya Mandalika Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Jurnal Ilmiah Wahana Pendidikan Berajah Journal MANAJEMEN Jurnal Manajemen dan Profesional JIWAKERTA: Jurnal Ilmiah Wawasan Kuliah Kerja Nyata Jurnal Minfo Polgan (JMP) EKONOMIKA45 International Journal of Humanities Education and Social Sciences Journal Of Human And Education (JAHE) Journal of Innovation Research and Knowledge Jurnal Ilmiah Manajemen dan Bisnis (JIMBis) Asian Journal of Management Analytics Jurnal Pengabdian Masyarakat Bhinneka Jurnal Karya Abdi Masyarakat Manajemen Kreatif Jurnal Inspiration: Jurnal Teknologi Informasi dan Komunikasi Jurnal Pengabdian Masyarakat Majapahit Journal of Islamic Finance dan Management Jurnal Pengabdian Sosial PEDAMAS (Pengabdian Kepada Masyarakat) Abuya: Jurnal Pendidikan dasar Advances In Social Humanities Research Majapahit Journal of Islamic Finance dan Management Harmoni Pendidikan: Jurnal Ilmu Pendidikan Ruang Advances in Computer System Innovation Journal (ACSI Journal) Akademika Jurnal Teknologi Pendidikan Indonesian Journal of Innovation Multidisipliner Research J-CEKI BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Lutfi Lutfi
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Journal : Journal of Economics, Business,

 1 
Sharia Bank Deposits and Financing: Does Economic Turbulence Matter? Lutfi, Lutfi
Journal of Economics, Business, and Accountancy Ventura Vol. 26 No. 3 (2023): December 2023 - March 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v26i3.4338

Abstract

The decline in national economic performance as a result of COVID-19 can cause a reduction in company and community income, which will reduce the availability of third-party funds and financing channeled by Sharia banks. This research aims to examine the determinants of third-party deposits and Sharia bank financing in Indonesia using a sample of ten Sharia banks from 2017-2022 that did not carry out mergers or acquisitions. Testing was also carried out on each type of deposit and financing contract because of the potential for different behavior between types of contracts. Data were analyzed using panel data techniques, where the selected model had a fixed effect. The test results prove that there is a positive reciprocal influence between third-party deposits and Sharia bank financing. Economic turbulence has a significant negative impact on deposits, but it is not significant on financing. This turbulence significantly only reduced profit-sharing deposits but not wadiah deposits. Likewise, this economic condition only has a negative impact on financing with receivables contracts but not on profit-sharing financing. This finding implies the importance of Sharia banks in maintaining adequate availability of third-party funds to support financing growth. The Government and Bank Indonesia are important to maintain economic stability. Furthermore, the Financial Services Authority needs to increase monitoring of banks with low capital because of the potential for moral hazard.
THE RELATIONSHIP BETWEEN DEMOGRAPHIC FACTORS AND INVESTMENT DECISION IN SURABAYA Lutfi, Lutfi
Journal of Economics, Business, and Accountancy Ventura Vol. 13 No. 3 (2010): December 2010
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v13i3.13

Abstract

The financial literature supports an increasing role for behavioral aspects of investment decision making. Among other factors, demographic factor may influence investors’ risk tolerance and investment preferences. This paper explores the relationship between demo- graphic factors, such as gender, age, marital status, education, income, and family members, and investor’s risk tolerance as well as investment preference. First of all, it attempts to reveal the relationship between investor’s demographic factors (gender, age, marital status, education, income, and number of family) and investor’s risk behavior (risk seeker, risk averse. Secondly, it tries to see the relationship between investor’s demographic factors (gender, age, marital status, education, income, and number of family) and types of invest- ment (bank products, capital market instruments, and physical assets). Finally, it endeavors to uncover the relationship between investor’s demographic factors (gender, age, marital status, education, income, and number of family) and types of investment (bank products, capital market instruments, and physical assets). Using a sample of 84 investors in Surabaya, this study shows that demographic factors explain investor’s risk tolerance and investment preference. The results also reveal a significant relationship between investors’ risk toler- ance and their investment preferences.
The role of board of commissioners and transparency in improving bank operational efficiency and profitability Lutfi, Lutfi; Silvy, Meliza; Iramani, Rr.
Journal of Economics, Business, and Accountancy Ventura Vol. 17 No. 1 (2014): April 2014
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v17i1.268

Abstract

Good corporate governance is a critical aspect in banking industries because the larg- est part of the source of funds is from public. Two of the important aspects of good corporate governance are the role of the board of commissioners and transparency. This study aimed to assess the effect of the implementation of good governance, which is proxied by the role of the board of commissioners and transparency of financial and non-financial condition, toward the operational efficiency and profitability of the na- tional commercial banks in Indonesia. This study uses data of thirty six banks for five years, from 2008 to 2012. Random effect panel data technique is used to analyze the data since this technique can increase the power of statistical analysis. The results shows that in terms of efficiency only board that functions well capable of improving the operational efficiency of the banks. As for profitability, both good board of commis- sioners and public transparency are capable of increasing the bank operational profit- ability in Indonesia.
The influence of risk perception, risk tolerance, overconfidence, and loss aversion towards investment decision making Nur Aini, Nadya Septi; Lutfi, Lutfi
Journal of Economics, Business, and Accountancy Ventura Vol. 21 No. 3 (2018): December 2018 - March 2019
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v21i3.1663

Abstract

This study aims to examine the effect of risk perception, risk tolerance, overconfidence, and loss aversion on investment decision making. The sample in this study were workers in Surabaya and Jombang, East Java. There were 400 respondents taken using a questionnaire through the survey method. This study used PLS-SEM (Partial Least Square-Structural Equation Model) as a data analysis technique. The results showed that risk perception has a significant and negative effect on investment decision making, risk tolerance and overconfidence have a significant and positive effect on investment decision making, while loss aversion has no effect on investment decision making. This research is expected to provide an overview of how to deal with risk in investment and how to avoid behavioral biases in investment decisions making.
Co-Authors Abdul Latif Achmad Hizazi Afriantoni Afriantoni Agusty, Delvira Alayfia, Fify Amir, Nour Ariyanti AmirUniversitas Negeri Makassar , Nour Ariyanti Andi Yuyung Asnawi Bahar, Muh Assyifa, Hakhan Maulana Atiyyah, Jazilatul Bahri, Zainul Burhanuddin Burhanuddin Buwarda, Sukriyah Chairunisa, Salsabila Chang, Ming-Chung Cindy Puspita Sari Damarwulan, Liza Mumtazah Dassucik, Dassucik Denpharanto Agung Krisprimandoyo DEWI FITRIANI Dica Lady Silvera Diqbal Satyanegara Dwi Pita Reski Eisenring, Deltri Dikwardi Enok Nurhayati FARIHEN, FARIHEN Ferri Hidayad, Ferri Firdaus, Shafira Maharani Fitrini Mansur Hafidah, Andi Hafidzi, Anwar Haikal Azrasabiy Hansein Arif Wijaya Hati, Aulia Permata Hayati Nufus, Hayati Hazikin, Dimas Nur Hendra, Robi Heriyani Heriyani Idrus , Imriani Imansyah, Farizal Imas Amalia Imawati, Sri Ismawati Ismawati Kaliey, Ricky Yohanes Kamalatsyah, Taza Athirah Karsikah Karsikah Kartikasari, Devini Kholid, Ikhwan Lestari, Sindi Lorentia Handoko Luthviyah Romziana Madziatul Churiyah Maisyarah, Nyimas Dian Meliza Silvy Misni Erwati, Misni Misriandi, Misriandi Muazza Muazza Muchlis, Aditia Muetia, Muetia Muhammad Irfan muhammad irfan Muhammad Ramli Muhammad Ridwan Muhdi Muhdi Mutmainnah Mutmainnah Nabila Tria Amanda Nugraha, Fajar Mulya Nur Aini, Nadya Septi Putri, Chalilia Yuri Rafiqi Rahayu Rahayu Rahayu, Nur Azizah Rahmadani, Ima Rahmat Sholihin Ramdansyah, Agus David Ratih Kusumastuti Reski, Dwi Pita Rico Wijaya Z Roihan, Muhammad Romansyah Sahabuddin RR. Ella Evrita Hestiandari Rr. Iramani Safrillah, Nur Fadhilah Sam, Iskandar Sarifuddin Sarifuddin Satyanagara, Diqbal Satyanegara, Diqbal Selian, Mardiah Mutiara Puspitasari Siska Kusuma Wardani, Siska Kusuma Sofi’i, Imam Sonjaya, Trisna Sumarni Sumarni Susbiyantoro, Susbiyantoro Syavardie, Yimmi Tampubolon, Gordon Pardamean Tyas, Utami Wahyudi Wahyudi Wajdi, Muhammad Wawan Prahiawan Widya Sari Wendry Wiralestari, Wiralestari Yuyung, Andi Zahir, Abdul Zahra, Tasya Nailah Zulqifli, Muhammad