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All Journal Journal The Winners Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Binus Business Review Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS AFRE Accounting Financial Review Owner : Riset dan Jurnal Akuntansi International Journal of Supply Chain Management Jurnal Pengabdian Dharma Laksana Jurnal Manajemen Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Madaniya Jurnal PADMA: Pengabdian Dharma Masyarakat Kontigensi: Jurnal Ilmiah Manajemen
Effendi, Kharisya Ayu
Universitas Widyatama
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Social Sciences Transportation Other

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Risk of Debt-Based Financing in Indonesian Islamic Banking Effendi, Kharisya Ayu
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 9 No. 2 (2017)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v9i2.4821

Abstract

The purpose of this study is to know the risk of debt-based financing in Islamic banking in Indonesia by using an accounting based calculation, those are NPF analysis, Credit risk Z-score and Altman Z-score. This study is telling about the risk of debt-based finacing on Indonesian Islamic banking using an accounting based measurement, those are NPF analysis, Credit Risk Z-score analysis and Altman Z-score analysis. The data was obtained from 2011 to 2015 from the website of each bank. The result is a risk on debt-based financing on Indonesian Islamic banking is low. The measurement using 3 accounting based measurement tool gives a consistent result, that is Indonesian Islamic banking use a debt-based financing have a high financial stability and a low risk.DOI: 10.15408/aiq.v9i2.4821
Financial Literacy and House Hold Portofolio Diversification: The Moderation Role of Risk Preferences Shelfi Malinda; Mu'izzuddin Mu'izzuddin; Febri Marani Malinda; Kharisya Ayu Effendi
AFRE (Accounting and Financial Review) Vol. 7 No. 2 (2024): July 2024
Publisher : Postgraduate Program Merdeka University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/afr.v7i2.12437

Abstract

The study examines the relationship between financial literacy and household portfolio diversification in Palembang, Indonesia. The sample was proportio-nally surveyed using proportional random sampling, so 405 households in Palembang, Indonesia divided into 18 districts. Inferential testing uses Struc-tural Equation Modeling (SEM) based on variants, namely Partial Least Squ-are (SEM-PLS). Results show that financial literacy positively influences port-folio diversification, while risk preference moderates this effect. The interaction between financial literacy and risk preference has a smaller effect size. The stu-dy contributes to the concept of optimal portfolios in Modern Portfolio Theory, as financial literacy encourages logical decisions and risk preferences optimize diversification decisions. The study also found that risk preference reduces the effect of financial literacy on portfolio diversification, as households understand that additional asset distribution may increase costs and reduce returns. Re-search suggests incorporating risk preference as a predictor and mediator to better understand the impact of financial literacy on portfolio diversification.DOI: https://doi.org/10.26905/afr.v7i2.12437
Co-Authors Amalia, Shendy Dede Hertina Dede Hilman Febri Marani Malinda Indira Subagia John Henry Wijaya Latif, Sahraman D Hadji Muhammad Bayu Aji Sumantri Muizzuddin Muizzuddin Mukhlis, Tanti Irawati Neneng Susanti Nugraha Nugraha Nugrahani, Wahyu Panji Obsatar Sinaga Oliver Hasan Padmanegara Padmanegara, Oliver Hasan Pebri Yanida Rashid, Aimi Zulhazmi Abdul Sahraman D Hadji Latif Sakina Ichsani Saputera, Denny Savira Faradila Shelfi Malinda Sri Juniati Susanto Hendiarto Suskim Riantani Tanti Irawati Mukhlis Vincentia Wahju Widajatun Wijaya, John Henry Yudawisastra, Helin G.