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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ilmu Manajemen (JIM) El Dinar Journal of Economics, Business, & Accountancy Ventura The Indonesian Accounting Review Journal of Business & Banking Jurnal Manajemen & Keuangan Distribusi INVENTORY: JURNAL AKUNTANSI Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Business and Finance Journal Jurnal Administrasi dan Manajemen Jurnal Riset Bisnis dan Manajemen Jurnal Kedaymas Jurnal Iqtisaduna Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis JPS (Jurnal Perbankan Syariah) E-JURNAL AKUNTANSI
Lutfi Lutfi
Universitas Hayam Wuruk Perbanas
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Other

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Determinants Of Islamic Bank Financing During Economic Turbulence Mardiah Mutiara Puspitasari Selian; Lutfi Lutfi
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1615

Abstract

The Covid-19 outbreak has caused turbulence in Indonesia's economic growth, thereby disrupting the performance of Islamic banks, especially in the distribution of financing. This research examines the influence of economic turbulence, third-party deposits, bank size, capital and profitability on financing disbursed by Islamic banks in Indonesia. The population of this research is Islamic commercial banks in Indonesia in the 2017-2022 period. The sample selection used a purposive sampling method and obtained ten Islamic banks. The data analysis technique uses panel data analysis with a fixed effect model. The research results prove that third-party deposits positively and significantly impact financing, while bank size and capital negatively and significantly impact financing. However, economic turbulence and profitability do not affect financing. When financing is divided based on contracts, economic turbulence negatively impacts profit-sharing-based financing, and profitability negatively impacts receivables-based financing. These findings can be a reference for Islamic banks to maintain the availability of third-party deposit funds to support financing expansion and further optimize their capital by channelling it to more productive assets in the form of financing. These findings can complement existing theories and support the business cycle theory that Islamic banks tighten financing based on profit sharing, which carries higher risks.
Pengujian model kesejahteraan keuangan : Studi komparasi masyarakat berpenghasilan tinggi dan rendah Shintani, Nadella Putri; Iramani, Rr; Lutfi
Jurnal Ilmu Manajemen Vol. 13 No. 1 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v13n1.p186-198

Abstract

Financial well-being is one of the most critical issues in financial research. Financial well-being is when a person feels comfortable and satisfied and does not feel depressed or worried about their financial condition. The study examines the effect of financial knowledge and experience on the financial well-being of high and low-income communities. The sample was taken using purposive sampling. Data is collected using a survey method, and questionnaires are distributed to respondents according to the criteria. The data analysis used is SEM-PLS.  The results of this study prove that financial experience has a positive effect on financial well-being, while financial knowledge has no impact on financial well-being. Another interesting finding of this study is that financial behaviour can mediate the effects of financial experience on financial well-being in both high and low-income communities. This result implies that people should improve their financial expertise to improve their financial well-being. High financial experience supported by good financial behaviour will give a person a high perception of financial well-being because of a sense of satisfaction and comfort and the ability to not feel worried or depressed about their financial condition.
Determinan Kesejahteraan Keuangan: Peran Mediasi Perencanaan Keuangan Farach Aliyyah Putri Suryadie; Lutfi Lutfi
E-Jurnal Akuntansi Vol 33 No 2 (2023)
Publisher : Accounting Department, Economic and Business Faculty of Universitas Udayana in collaboration with the Association of Accounting Department of Indonesia, Bali Region

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJA.2023.v33.i02.p01

Abstract

Financial well-being is a problem for society in Indonesia today as reflected in the increasing poverty rate in 2021. The study intends to explore the determinants of financial well-being which include internal locus of control, financial experience, financial planning, and demographic factors of marital status. This study aims to determine the role of financial planning in mediating the effect of financial experience on financial management and to what extent marital status moderates the mediated relationship. The research sample is 160 families living in the cities of Surabaya, Sidoarjo and Gresik. Hypothesis testing was carried out using partial least squares structural equation modeling (PLS-SEM). The results of the study prove that locus of internal control, financial experience, financial planning, and marital status significantly increase financial well-being. The research findings also prove that financial planning mediates the effect of financial experience on financial well-being. Research implies the importance of someone to carry out financial planning earlier, be more able to control themselves, and increase experience related to financial products in order to improve financial well-being. Keywords: Financial Well-Being; Financial Planning; Internal Locus of Control; Financial Experience; Marital Status
The Interplay Of Macroeconomic Factor, Risk, And Bank Market Value: The Mediating Effect Of Profitability And The Moderating Role Of Size Ardhianti, Christin; Lutfi, Lutfi
INVENTORY: JURNAL AKUNTANSI Vol. 9 No. 1 (2025): INVENTORY
Publisher : Prodi Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas PGRI Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/inventory.v9i1.22248

Abstract

The research examines the interplay between macroeconomic factors, risk, and the market value of banks in Indonesia, with profitability acting as a mediator and bank size as a moderator. The study focuses on 24 conventional commercial banks listed on the Indonesia Stock Exchange from 2018-2023, totaling 170 bank-year observations. Using panel data analysis, the research tests how economic growth, credit risk, and liquidity risk affect bank market value, measured by Price-to-Book Value (PBV). Profitability, represented by Return on Assets (ROA), mediates the relationship between these factors and market value, with a specific focus on bank size's moderating role. The results show that profitability positively impacts market value, as do economic growth and liquidity risk, while credit risk has a negative effect. The study confirms that bank size strengthens the effect of profitability on market value but does not directly influence firm value. Robustness tests using Robust Standard Error and Generalized Method of Moments confirm the model's reliability. Policy implications suggest that banks should enhance profitability through effective risk management, especially credit risk, and leverage their size for competitive advantage. Practically, the findings stress the importance of liquidity management and macroeconomic stability in boosting bank market value in emerging economies.
Co-Authors Antika Budiningrum Ardhianti, Christin Astri Kusuma Wardani Dimas Gita Ramadhan Firdaus Elicia Aprillia Dwiyanti Elma Hariani Farach Aliyyah Putri Suryadie Indria Fatmawati Iramani, Rr Jihan Zakiyah Permana Kiki Marti Diana Mardiah Mutiara Puspitasari Selian Maulidatur Rohmah Meliza Silvy Nadya Septi Nur Aini Nur'aini Rokhmania Putri Asiza Agustien Aulia Rahmah Reni Tri Purniawati Ririn Poerwanti Poerwanti Rr. Iramani Satrida, Galuh Shintani, Nadella Putri Sofi Ariani Soni Harsono Susilowati, Arlianti Agil Taza Athirah Kamalatsyah Tirani Rahma Brilianti Tomi Arganata Uswatun Hasanah Vita Prihatiningrum Yolanda Dela Renta Yulian Belinda Yurisha Ramadhani Putri