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All Journal Managament Insight: Jurnal Ilmiah Manajemen Bisma: Jurnal Bisnis dan Manajemen Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Interprof International Journal of Accounting & Finance in Asia Pasific West Science Business and Management West Science Interdisciplinary Studies Prosiding Seminar Nasional Pengabdian Masyarakat
Chairil Afandy
Universitas Bengkulu
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DAMPAK DIMENSI INDIVIDUAL FINANCIAL LITERACY TERHADAP FINANCIAL INCLUSION PADA MASYARAKAT PEDESAAN Ricka Ade Putri; Chairil Afandy
Management Insight: Jurnal Ilmiah Manajemen Vol 15, No 1 (2020): Managament Insight: Jurnal Ilmiah Manajemen
Publisher : Unib Press Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (188.32 KB) | DOI: 10.33369/insight.15.1.33-48

Abstract

This study aims to analyze the effect of individual dimensions of financial literacy on financial inclusion. This research design is a survey with an online questionnaire. The object of this research is the people in rural Bengkulu. The respondent in this study was 503 respondents. This study used convenience sampling with screening. This study reveals that knowledge, attitudes, and behaviors influence financial inclusion in rural Bengkulu. While skills do not affect financial inclusion in rural Bengkulu. This research also found that attitude is the variable that has the greatest influence on financial inclusion.
ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL (RGEC) Auliya Rokhmatika; Chairil Afandy
Management Insight: Jurnal Ilmiah Manajemen Vol 12, No 1 (2017): Managament Insight: Jurnal Ilmiah Manajemen
Publisher : Unib Press Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (751.871 KB) | DOI: 10.33369/insight.12.1.12-27

Abstract

This research is conducted to detect the health level of Bank listed in indonesian stock exchange using RGEC period 2014-2015. RGEC is the aspect that most influence on the financial condition of banks, which also affect the health of banks. By using the NPL, LDR, IRR, NPM, ROA, NIM and CAR. Population in this study are all companies of Bank listed on stock exchange totaling 42 companies. Based on sampling criteria finally obtained sample is 21 companies of bank publish financial reports continuously in the period 2014-2015. The results obtained that the NPL from overall of bank sampel in 2014-2015 categorized is healthy. The results obtained that the LDR from sampel there’s counted 6 healthy categorized company enough. Companies categorized as unhealthy counted 6 bank. The results obtained from IRR variable there’s counted 2 healthy expressed bank and there’s counted 9 bank categorized as unhealthy. NPM variable obtained get result counted 8 bank categorized as unhealthy, there’s counted 7 bank categorized very healthy and 2 bank categorized healthy. ROA variable there’s counted 2 bank categorized as unhealthy and 3 bank categorized very healthy. NIM variable there’s counted 4 bank categorized healthy and 17 bank categorized as very healthy. CAR variable there’s counted 1 company categorized healthy and 20 company categorized very healthy.
TRANSPARENCY LEVEL OF GOOD CORPORATE GOVERNANCE AND BOARD CROSS-DIRECTORSHIP ON COMPANY VALUE Chairil Afandy; Intan Zoraya; Paulus Suluk Kananlua; Akram Harmoni Wiardi
BISMA: Jurnal Bisnis dan Manajemen Vol 16 No 1 (2022)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/bisma.v16i1.29346

Abstract

The implementation of good corporate governance practices aims to optimize the allocation of company resources to achieve the growth and welfare of company owners. In the long term, effective corporate governance can improve company performance, which benefits the shareholders and public. This research focuses on manufacturing companies listed on the Indonesia Stock Exchange from 2018 to 2019. The level of transparency of good corporate governance and cross-directorship on company value were examined. This study used historical data, and multiple regression analysis was operated to analyze the data. The results concluded that corporate governance transparency has a significant effect on company value with corporate governance practices (in accordance with KNKCG), which can help managers describe their level of transparency in implementing good corporate governance. The cross-directorships board also has an impact on company value. This role is beneficial for obtaining necessary information and resources, considering that limited resources can create competitive advantages. Keywords: company value, cross-directorship, good corporate governance, transparency
Identification of Research Trends in Islamic Financial Product Innovation Loso Judijanto; Eko Sudarmanto; Iwan Harsono; Chairil Afandy; Muhammad Lucky
West Science Interdisciplinary Studies Vol. 2 No. 02 (2024): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v2i02.680

Abstract

This bibliometric analysis delves into the burgeoning discourse surrounding sustainable entrepreneurship's role in addressing challenges within the circular economy framework. By synthesizing a vast array of scholarly literature spanning from 2006 to 2024, the study provides comprehensive insights into the intersection of these two pivotal areas. Through quantitative techniques such as co-citation analysis and keyword co-occurrence analysis, the analysis uncovers prominent themes, research clusters, and intellectual structures within the field. The results reveal a robust body of research exploring various dimensions of sustainable entrepreneurship and the circular economy, ranging from theoretical underpinnings to practical implications. Furthermore, the study identifies influential works and emerging trends, offering valuable guidance for future research directions. This research not only enriches our understanding of how sustainable entrepreneurship can contribute to a circular economy but also holds significant implications for academia, industry, and policymaking by informing strategic decision-making and inspiring innovative practices aimed at fostering sustainability and resilience in a rapidly changing world.
Bibliometric Analysis of the Application of Internet of Things (IoT) in Financial Services Loso Judijanto; Rully Fildansyah; Eko Sudarmanto; Iwan Harsono; Chairil Afandy
West Science Interdisciplinary Studies Vol. 2 No. 02 (2024): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v2i02.664

Abstract

This study presents a comprehensive bibliometric analysis of the application of Internet of Things (IoT) in financial services. The analysis encompasses a systematic review and analysis of existing literature, identifying key research themes, trends, and patterns in the field. Through the utilization of bibliometric indicators such as co-citation analysis, keyword co-occurrence analysis, and citation network analysis, the intellectual structure of the domain is mapped, uncovering emerging research topics and areas of focus. The study also provides insights and recommendations for future research directions and practical implications. The findings contribute to advancing our understanding of IoT's role in reshaping financial services and offer guidance for researchers, policymakers, and industry stakeholders.
Sustainable Finance: A Bibliometric Analysis of Green Finance and its Role in Global Markets Loso Judijanto; Nanang Qosim; Syamsulbahri Syamsulbahri; Eva Yuniarti Utami; Chairil Afandy
West Science Business and Management Vol. 2 No. 04 (2024): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v2i04.1500

Abstract

This study conducts a comprehensive bibliometric analysis to map the evolution and scope of sustainable finance research from 2000 to 2024. Utilizing data sourced from Scopus, the analysis identifies major trends, themes, and contributions within the field, emphasizing the increasing integration of sustainability into financial practices. Key findings reveal a dramatic rise in publications over recent years, underscoring the growing academic and practical interest in sustainable finance. The research network analysis highlights significant global collaboration and the central role of technological innovations like fintech and artificial intelligence in advancing sustainable financial practices. The study also explores regional dynamics, showing robust contributions from both developed and emerging economies. Overall, this analysis provides crucial insights into how sustainable finance can be strategically advanced to meet global sustainability goals, offering directions for policy, practice, and future research.
Pelatihan Branding Dan Promosi Melalui Social Commerce Tiktok Terhadap Produk Olahan Hasil Tangkapan Kelompok Nelayan Kota Bengkulu Chairil Afandy; Agus Deprian; Febzi Fiona; Rina Suthia hayu; Serly Apriansah; Novita Andriyani
Prosiding Seminar Nasional Pengabdian Masyarakat Vol. 1 (2023): Prosiding Seminar Nasional Pengabdian Masyarakat
Publisher : CV. Dharma Samakta Edukhatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61142/psnpm.v1.73

Abstract

Kegiatan usaha masyarakat baik besar maupun kecil sangat terbantu dengan penggunaan teknologi informasi yang berkembang pesat. Menggunakan social commerce sebagai alat penjualan akan meningkatkan penjualan produk nelayan. Pengabdian masyarakat ini bertujuan agar kelompok nelayan di wilayah Marabello Bengkulu dapat: 1) Meningkatkan pengetahuan tentang pengembangan produk olahan berbasis produksi. 2) Produksi produk yang kompetitif dan pemasaran yang modern. 3) Memahami penandaan dan pendaftaran PIRT (barang rumah tangga). 4) Memahami pengemasan yang higienis dan memahami proses pengemasan. 5) Asosiasi perikanan dapat memulai bisnis profesional sehingga mereka dapat bersaing di pasar global. Pelatihan ini disampaikan dengan menggunakan metodologi penelitian, tukar pikiran, dan prosedur memberi dan menerima. Sebagai hasil dari pelatihan ini, organisasi perikanan telah memahami pentingnya memproduksi produk perikanan dengan kemasan dan branding yang menarik. Selain itu, kelompok nelayan mengetahui cara menggunakan jejaring sosial untuk tujuan promosi dan menerapkan aplikasi pendukung pemasaran lainnya.
BUY NOW PAY LATER USAGE AMONG GENERATION Z IN INDONESIA: AN INTEGRATION OF THEORY OF PLANNED BEHAVIOR AND MATERIAL VALUES THEORY Rahmadina Oktariani; Dewi Rahmayanti; Chairil Afandy
Jurnal Interprof Vol 12 No 1 (2026): Jurnal Interprof, April
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v12i1.3169

Abstract

Purpose: This study aims to examine the influence of attitude toward behavior, subjective norms, perceived behavioral control, and materialism on intention to use and actual usage behavior of Buy Now Pay Later (BNPL) services among Generation Z in Indonesia, with intention as a mediating variable. Research Methodology: This study adopts a quantitative approach with an explanatory survey design. Data were collected from 255 Generation Z respondents aged 18–29 years who had used BNPL services, using purposive sampling and a structured questionnaire. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0, with bootstrapping of 5,000 subsamples. Results: Attitude, subjective norms, and perceived behavioral control positively and significantly influence both intention and BNPL usage behavior. Unexpectedly, materialism shows a significant negative effect on BNPL usage behavior, contrary to the hypothesized direction. Intention mediates the relationships of attitude and subjective norms toward BNPL usage behavior, but does not mediate the relationship of perceived behavioral control. Conclusions: This study extends TPB by demonstrating that its core constructs remain robust predictors of BNPL adoption even when materialism is introduced as a competing predictor, and by showing that materialism operates through a distinct, non-TPB mechanism that warrants further theoretical attention rather than being assumed to reinforce TPB pathways. Limitations: This study is limited to Generation Z users and relies solely on a cross-sectional design with self-reported questionnaire data, which precludes causal inference. Other factors such as financial literacy, trust, and habits were not included. Contributions: This study contributes empirical evidence on BNPL usage behavior among Generation Z in Indonesia, extending the TPB framework by integrating materialism as an additional predictor and examining mediation through intention, thereby offering novel evidence that materialism can act as a deterrent rather than a driver of debt-based payment usage.     
Seberapa Besar Sustainability Report dan Debt to Asset Ratio Mempengaruhi Risiko Financial Distress? Peran Ukuran Perusahaan Sebagai Moderasi Muhammad Rizki Rahmansyah; Chairil Afandy
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 11 No. 3 (2025): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v11i3.870

Abstract

This study aims to evaluate the impact of sustainability reports and the debt-to-asset ratio (DAR) on the risk of financial distress in energy sector companies in Indonesia. Firm size is used as a moderating variable, while gross domestic product (GDP) and interest rates serve as control variables. The study sample consists of 28 energy companies listed on the Indonesia Stock Exchange (IDX) from 2017 to 2023, with a total of 105 observations. The analysis was conducted using panel data regression. The findings indicate that sustainability reports do not significantly influence financial distress. Conversely, DAR has a significant positive effect, indicating that the greater the proportion of debt to assets, the higher the risk of financial distress. Firm size does not strengthen or weaken the relationship between sustainability reports and financial distress, but plays a role in mitigating the negative impact of DAR on the risk. GDP and interest rates do not show a significant effect. The main limitation of this study lies in the variability and incompleteness of sustainability reports across companies. These findings highlight the importance of debt management and company scale in managing financial risk in the energy sector.
Antecedents of Financial Management Behavior among Indonesian University Students: The Mediating Role of Perceived Usefulness of Fintech Indah Desi Sutriani; Willy Abdillah; Chairil Afandy
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 2 (2026): June 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i2.4535

Abstract

The rapid growth of financial technology (fintech) among Indonesian university students has reshaped financial transactions, yet it has not always led to prudent financial management practices. This study examines the influence of financial literacy and financial socialization on financial management behavior, with perceived usefulness of fintech as a mediating variable. A quantitative approach was used, with survey data collected from 309 valid responses from undergraduate students in Indonesia who actively use fintech. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings show that financial literacy (? = 0.216, p 0.05) and financial socialization (? = 0.431, p 0.05) have positive and significant effects on financial management behavior. Perceived usefulness of fintech also has a positive and significant effect on financial management behavior (? = 0.252, p 0.05), contrary to the hypothesized negative relationship. The mediation analysis further shows that perceived usefulness of fintech partially mediates the relationships between financial literacy and financial management behavior and between financial socialization and financial management behavior. These findings suggest that perceived usefulness of fintech strengthens financial management behavior among Indonesian university students.
Co-Authors . Syamsulbahri Agus Deprian Akram Harmoni Wiardi Auliya Rokhmatika Dewi Rahmayanti Eva Yuniarti Utami Febzi Fiona Indah Desi Sutriani Intan Zoraya Iwan Harsono Loso Judijanto Muhammad Lucky Muhammad Rizki Rahmansyah Nanang Qosim Novita Andriyani Paulus Suluk Kananlua Rahmadina Oktariani Ricka Ade Putri Rina Suthia Hayu Rully Fildansyah Serly Apriansah Sudarmanto, Eko Willy Abdillah