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All Journal Kinerja JURNAL PENGABDIAN KEPADA MASYARAKAT AFEBI Economic and Finance Review BALANCE: Jurnal Akuntansi, Auditing dan Keuangan Jurnal Bakti Masyarakat Indonesia Jurnal Ekonomi Trisakti Balance: Jurnal Akuntansi, Auditing, dan Keuangan
Adji Pratikto
Fakultas Ekonomi Dan Bisnis, Universitas Katolik Indonesia Atma Jaya
Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Determination of Sustainable Financial Index: BUKU 4 Period 2016 – 2019 Kusumahadi, Teresia Angelia; Pratikto, Adji; Ruli, Ansgarius Davin
KINERJA Vol 25, No 1 (2021): KINERJA
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v25i1.4358

Abstract

Sustainable finance is one of the instruments that can be used to achieve sustainable development goals. Practices of sustainable finance are regulated in the Financial Services Authority Regulation No. 51 / POJK.03 / 2017 (“POJK 51”), where one of the requirements in its implementation is to publish a Sustainability Report annually. However, before being obliged to release a Sustainability Report, banks, particularly BUKU 4, had published the report. Seeing that the Sustainability Report has been prepared before reporting requirements, these banks are running a sustainable business. To measure the level of sustainability of a bank, we build a Sustainable Financial Index. The Sustainable Financial Index is compiled based on 42 indicators built on sustainable finance’s eight principles. Using Bank Mandiri, BCA, BNI, BRI, and Bank CIMB as the observed bank, the results show that the Sustainable Financial Index for each bank has increased from year to year. The increment indicates that the practice of sustainable finance is running well in BUKU 4. Besides, each bank has different characteristics; thus, the principles that stand out in implementing sustainable finance differ from one bank to another. However, the index has several limitations, so that further index development is required.Keywords: BUKU 4, Sustainable Financial Index, POJK 51, Sustainability Report
Determination of Sustainable Financial Index: BUKU 4 Period 2016 – 2019 Teresia Angelia Kusumahadi; Adji Pratikto; Ansgarius Davin Ruli
KINERJA Vol. 25 No. 1 (2021): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v25i1.4358

Abstract

Sustainable finance is one of the instruments that can be used to achieve sustainable development goals. Practices of sustainable finance are regulated in the Financial Services Authority Regulation No. 51 / POJK.03 / 2017 (“POJK 51”), where one of the requirements in its implementation is to publish a Sustainability Report annually. However, before being obliged to release a Sustainability Report, banks, particularly BUKU 4, had published the report. Seeing that the Sustainability Report has been prepared before reporting requirements, these banks are running a sustainable business. To measure the level of sustainability of a bank, we build a Sustainable Financial Index. The Sustainable Financial Index is compiled based on 42 indicators built on sustainable finance’s eight principles. Using Bank Mandiri, BCA, BNI, BRI, and Bank CIMB as the observed bank, the results show that the Sustainable Financial Index for each bank has increased from year to year. The increment indicates that the practice of sustainable finance is running well in BUKU 4. Besides, each bank has different characteristics; thus, the principles that stand out in implementing sustainable finance differ from one bank to another. However, the index has several limitations, so that further index development is required.Keywords: BUKU 4, Sustainable Financial Index, POJK 51, Sustainability Report
PENYUSUNAN MODUL RENCANA KEBERLANGSUNGAN BISNIS BAGI UMKM INDONESIA UNTUK MERESPON DAMPAK PANDEMI COVID-19 Maria Magdalena Wahyuni Inderawati; Endang Sulistyaningsih; Benedictus Elnath Aldi; Adji Pratikto; Efendi Efendi; Teresia Angelia Kusumahadi; Yanuar Nanok; Irenius Dwinanto Bimo; Engelbertha E. Silalahi
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 27, No 3 (2021): JULI-SEPTEMBER
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jpkm.v27i3.24286

Abstract

Dampak pandemi COVID-19 yang melanda dunia berpengaruh terhadap keberlangsungan UMKM Indonesia. Keterbatasan akses terhadap informasi dan bantuan, minimnya keterampilan, pengetahuan dan penggunaan teknologi menjadi penghalang bagi UMKM untuk bangkit menghadapi pandemi. Unika Atma Jaya, sebagai perguruan tinggi yang memiliki tenaga ahli dalam bidang manajemen, akuntansi, keuangan dan teknologi berinisiatif menyusun serangkaian modul pelatihan dengan tema Rencana Keberlangsungan Bisnis bagi UMKM dalam Merespon Pandemi COVID-19. Artikel ini memberikan gambaran mengenai mekanisme penyusunan modul yang sistematis dan efektif. Isi modul mengacu pada tip yang diterbitkan oleh UNDRR yaitu 10 Tip untuk Menjadikan Usaha Anda Tangguh terhadap COVID-19 dan 5 Tip Tambahan untuk Membantu Jika Bisnis Anda Sudah Terdampak. Pada akhirnya sepuluh modul tersusun meliputi pandemi dan dampaknya terhadap bisnis UMKM, membangun model bisnis baru, etika bisnis, rencana bisnis, menyiapkan bisnis daring, pendanaan, insentif dan pajak, media sosial dan layanan daring, jejaring kerja sama, lembaga keuangan dan kemitraan dengan pemerintah, serta pendampingan dan mentoring. Modul disusun dalam dua versi yaitu versi untuk fasilitator dan versi untuk peserta. Modul dilengkapi dengan video pembelajaran untuk memudahkan peserta mendalami dan mempelajari modul secara mandiri. Modul ini diharapkan dapat berkontribusi bagi bangkitnya kembali UMKM Indonesia dan dapat dimanfaatkan oleh para fasilitator dan pendamping UMKM sebagai materi pelatihan.
Determination of Financial Stability Index Between Southeast Asian Countries (ASEAN 6) and Its Intracorrelation Y.B. Suhartoko; Adji Pratikto; Luciana Selvi Susanti Wira
AFEBI Economic and Finance Review Vol 7, No 1 (2022)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47312/aefr.v7i1.512

Abstract

The Economic crisis has impacted the disruption of the stability of a country's financial system, including ASEAN countries. In Indonesia, there is a Financial System Stability Committee (KSSK) whose duties are to coordinate monitoring and maintaining financial system stability. KSSK has the authority to set the criteria and indicators for assessing financial system stability conditions concerning the financial system's stability. The second authority is to evaluate the condition of financial system stability based on input from each member of the Financial System Stability Committee, along with supporting data and information. As an economic area with history, ASEAN countries certainly have a relationship, either strong or weak. This study conducted calculations of the financial stability index (Aggregate Financial Stability Index) built from the Morris framework (2010) consisting of sub-index Financial Development Index, Financial Vulnerability Index, Financial Soundness Index, World Economic Climate Index. The calculation results showed that in ASEAN 6, there were fluctuations in financial stability, and there were variations in the correlation of financial stability. Therefore, improving the financial stability in Indonesia needs to consider the existence of financial stability in other countries.
MENGGERAKKAN LITERASI BACA-TULIS DI RUSUNAWA MUARA BARU PLUIT Sri Hapsari Wijayanti; Novia Utami; Adji Pratikto; Hery Pramono
Jurnal Bakti Masyarakat Indonesia Vol 2, No 2 (2019): Jurnal Bakti Masyarakat Indonesia
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (806.198 KB) | DOI: 10.24912/jbmi.v2i2.7234

Abstract

Pemerintah telah menggulirkan Gerakan Literasi Nasional (GLN) sejak 2015. Salah satu sentra belajar di masyarakat yang mendukung GLN adalah pendirian Ceribel di Rusunawa Muara Baru, Pluit, Jakarta Utara. Tujuan kegiatan di Rusunawa Muara Baru ini adalah menggerakkan literasi baca-tulis melalui pelayanan kepada anak-anak untuk datang dan melakukan kegiatan positif dan kompetitif selama masa liburan sekolah.  Selain itu, anak-anak yang berkunjung juga dimintai umpan balik terhadap kegiatan yang telah dilakukan di Taman Ceribel untuk menindaklanjuti kegiatan literasi pada masa mendatang. Kegiatan dilakukan selama Juni-Juli 2019. Selama periode itu, Ceribel melayani pengunjung selama sepuluh hari. Metode yang digunakan dalam kegiatan ini adalah pelayanan dalam peminjaman buku dan pendampingan dalam menulis, membaca, dan menggambar dalam rangka mengikuti lomba literasi. Pengamatan langsung juga dilakukan terhadap aktivitas pengunjung di Ceribel.  Hasil kuesioner tentang umpan balik kegiatan disajikan dalam bentuk persentase yang ditabulasikan dan dideskripsikan. Semua responden, yang berjumlah delapan belas anak, mengakui merasakan manfaat dengan adanya Ceribel sebagai sumber belajar untuk menjadikan mereka pintar. Mereka berharap Ceribel dapat membantu mereka dalam belajar membaca dan bimbingan belajar. Waktu buka pelayanan operasional Ceribel menurut responden sebaiknya setiap hari. Mereka mengakui akan datang kembali ke Ceribel dengan mengajak teman. Disimpulkan bahwa Ceribel telah menarik perhatian anak-anak Rusunawa Muara Baru sebagai tempat bermain, belajar, dan bersosialisasi. Untuk itu, kegiatan literasi ini harus berkesinambungan agar tumbuh minat dan budaya membaca di masyarakat. Disarankan agar Ceribel memiliki sukarelawan dari warga rusun sendiri yang dapat melayani dan mengembangkan Ceribel.
RICARDIAN EQUIVALENCE IN INDONESIA YB Suhartoko; Adji Pratikto Pratikto; Indira Kirana
Jurnal Ekonomi Trisakti Vol. 2 No. 1 (2022): April
Publisher : Lembaga Penerbit Fakultas EKonomi dan Bisnis 

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (862.454 KB) | DOI: 10.25105/jet.v2i1.13565

Abstract

Expansionary Fiscal Policy in the form of Deficit Fiscal is still being debated due to differences in views regarding the effect of budget deficits. The Ricardian Equivalence disciple argues that Deficit Fiscal Policy has a neutral impact on consumption. In contrast, Non-Ricardians (Keynesian and Neoclassical) argue that Budget Deficit Policy affects Private Consumption. Government policies affect private consumption through deficit fiscal policies such as budget deficits, government spending, taxes, and government debt. This study analyzes the effect of the fiscal deficit on consumption and observes the existence of the Ricardian Equivalence View in Indonesia. The estimation model used is the Vector Error Correction Model (VECM) through IRF and VD testing with time series data from 1980-2018. The results showed that the Budget Deficit Policy had a significant positive effect on private consumption, where the Fiscal Deficit shock was responded positively by Private Consumption. So that the Ricardian view does not apply in Indonesia and is more inclined to the Keynesian view. The positive response continues in the long term permanently, where 58.42% of the variation in the formation of the Private Consumption indicator (in period 10), is a Budget Deficit.
RICARDIAN EQUIVALENCE IN INDONESIA YB Suhartoko; Adji Pratikto Pratikto; Indira Kirana
Jurnal Ekonomi Trisakti Vol. 2 No. 1 (2022): April
Publisher : Lembaga Penerbit Fakultas EKonomi dan Bisnis 

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/jet.v2i1.13565

Abstract

Expansionary Fiscal Policy in the form of Deficit Fiscal is still being debated due to differences in views regarding the effect of budget deficits. The Ricardian Equivalence disciple argues that Deficit Fiscal Policy has a neutral impact on consumption. In contrast, Non-Ricardians (Keynesian and Neoclassical) argue that Budget Deficit Policy affects Private Consumption. Government policies affect private consumption through deficit fiscal policies such as budget deficits, government spending, taxes, and government debt. This study analyzes the effect of the fiscal deficit on consumption and observes the existence of the Ricardian Equivalence View in Indonesia. The estimation model used is the Vector Error Correction Model (VECM) through IRF and VD testing with time series data from 1980-2018. The results showed that the Budget Deficit Policy had a significant positive effect on private consumption, where the Fiscal Deficit shock was responded positively by Private Consumption. So that the Ricardian view does not apply in Indonesia and is more inclined to the Keynesian view. The positive response continues in the long term permanently, where 58.42% of the variation in the formation of the Private Consumption indicator (in period 10), is a Budget Deficit.
Determination of Financial Stability Index Between Southeast Asian Countries (ASEAN 6) and Its Intracorrelation Suhartoko, Y.B.; Pratikto, Adji; Selvi Susanti Wira, Luciana
AFEBI Economic and Finance Review Vol. 7 No. 1 (2022): June
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47312/aefr.v7i1.512

Abstract

The Economic crisis has impacted the disruption of the stability of a country's financial system, including ASEAN countries. In Indonesia, there is a Financial System Stability Committee (KSSK) whose duties are to coordinate monitoring and maintaining financial system stability. KSSK has the authority to set the criteria and indicators for assessing financial system stability conditions concerning the financial system's stability. The second authority is to evaluate the condition of financial system stability based on input from each member of the Financial System Stability Committee, along with supporting data and information. As an economic area with history, ASEAN countries certainly have a relationship, either strong or weak. This study conducted calculations of the financial stability index (Aggregate Financial Stability Index) built from the Morris framework (2010) consisting of sub-index Financial Development Index, Financial Vulnerability Index, Financial Soundness Index, World Economic Climate Index. The calculation results showed that in ASEAN 6, there were fluctuations in financial stability, and there were variations in the correlation of financial stability. Therefore, improving the financial stability in Indonesia needs to consider the existence of financial stability in other countries.
PENGARUH SUSTAINABLE LENDING TERHADAP RISIKO KREDIT BANK UMUM KONVENSIONAL DI INDONESIA Adji Pratikto; Votsal Dian Lestari; Engelbertha E. Silalahi
BALANCE: Jurnal Akuntansi, Auditing dan Keuangan Vol. 22 No. 2 (2025): BALANCE: Jurnal Akuntansi, Auditing dan Keuangan
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/balance.v22i2.7792

Abstract

Climate change is one of the greatest challenges of the 21st century, threatening the global economy if not properly mitigated. Mitigating climate change requires enormous costs, necessitating the role of the financial services sector in financing sustainable development projects. However, financing sustainable development projects can threaten the stability of the financial system. This research aims to investigate the impact of sustainable lending on credit risk in the banking sector. To investigate this impact on Indonesia, we use a fix effect model with 5 banks from KBMI IV and KBMI III as samples, for 2020-2024. As control variables, we use the Return on Asset (ROA), Capital Adequacy Ratio (CAR), Loan to Asset Ratio, and Total Asset. The results of the study show that sustainable loans have a positive and significant effect on credit risk. This means that banks in Indonesia still consider sustainable loans to have greater risk than conventional loans
PENGARUH SUSTAINABLE LENDING TERHADAP RISIKO KREDIT BANK UMUM KONVENSIONAL DI INDONESIA Adji Pratikto; Votsal Dian Lestari; Engelbertha E. Silalahi
BALANCE: Jurnal Akuntansi, Auditing dan Keuangan Vol. 22 No. 2 (2025): BALANCE: Jurnal Akuntansi, Auditing dan Keuangan
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/balance.v22i2.7792

Abstract

Climate change is one of the greatest challenges of the 21st century, threatening the global economy if not properly mitigated. Mitigating climate change requires enormous costs, necessitating the role of the financial services sector in financing sustainable development projects. However, financing sustainable development projects can threaten the stability of the financial system. This research aims to investigate the impact of sustainable lending on credit risk in the banking sector. To investigate this impact on Indonesia, we use a fix effect model with 5 banks from KBMI IV and KBMI III as samples, for 2020-2024. As control variables, we use the Return on Asset (ROA), Capital Adequacy Ratio (CAR), Loan to Asset Ratio, and Total Asset. The results of the study show that sustainable loans have a positive and significant effect on credit risk. This means that banks in Indonesia still consider sustainable loans to have greater risk than conventional loans
Co-Authors Ansgarius Davin Ruli Bayu Kharisma Benediktus Elnath Aldi Efendi Efendi Endang Sulistyaningsih Engelbertha Silalahi Hery Pramono Indira Kirana Irenius Dwinanto Bimo Luciana Selvi Susanti Wira Maria Magdalena Wahyuni Inderawati Novia Utami Ruli, Ansgarius Davin Selvi Susanti Wira, Luciana Sri Hapsari Wijayanti Suhartoko, Y.B. Teresia Angelia Kusumahadi Votsal Dian Lestari Yanuar Nanok Yohanes Berchman Suhartoko