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All Journal Jurnal Ilmiah Mahasiswa FEB Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN International Journal of Supply Chain Management Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Contemporary Governance and Public Policy Prima Abdika: Jurnal Pengabdian Masyarakat Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB)
Rachmad Kresna Sakti
Mahasiswa Program Doktor Ilmu Ekonomi FEUB
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Transportation Other

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ANALISIS KINERJA KEUANGAN PERBANKAN SEBELUM DAN SESUDAH PENERAPAN BRANCHLESS BANKING DI INDONESIA Dizzahara, Izhellia Oktatubela; Sakti, Rachmad Kresna
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2022.01.2.07

Abstract

To improve financial inclusion, the government, through the Financial Services Authority (OJK), organized the Branchless Banking (Laku Pandai) program which aims to flatten the provision of formal financial institutions access. In this program, banks can expand their reach without constructing physical offices through collaboration with bank agents as financial intermediaries. This study aims to analyze the banking financial performance using CAMEL method on each Conventional Commercial Banks before and after the implementation of Branchless Banking in year of 2010-2019. This study uses a quantitative approach with the comparative research type and using non-parametric statistical test equipment (Wilcoxon signed-rank test) on its hypothesis test. Sample determination uses a purposive sampling technique resulting in the usage of 7 Conventional Commercial Banks (BRI, Mandiri, BTPN, BCA, BTN, BNI, and BPD Kaltim) as samples in this study. The results showed that in the CAR ratio, there were 7 banks that experienced significant differences. In the NPL ratio, there were 4 banks with significant differences. There were 3 banks that experience significant differences in NPM ratio. While, there were 6 banks with significant differences in its ROA. Last, the LDR ratio showed 6 banks that experience Branchless Banking in Indonesia.
PENGARUH FAKTOR MAKROEKONOMI TERHADAP TINGKAT KREDIT BANK SERTA IMPLIKASINYA PADA KESEHATAN PERBANKAN Purba, Agnes Sheryta Anastasya; Sakti, Rachmad Kresna
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 3 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2022.01.3.11

Abstract

This study aims to determine the effect of Interest Rates, Rupiah Exchange Rates, and Total Exports on Bank Credit Levels and their Implications on Banking Health from 2013 - 2020, where the crucial role of credit in the banking world is in the midst of fluctuating macroeconomic factors as the basis for problems that exist at the time. research is done. This study uses the Simultaneous Method to analyze whether there is an influence of Macroeconomic Factors as the dependent variable on the Credit Level and Banking Health as independent variables. From this research, it is known that market power at interest rates, rupiah exchange rates, and low exports can increase bank credit levels, while the market power of large banks is higher than that of small banks. The results also show that large banks have higher levels of bank credit. This result also supports the health of banks, the higher the level of bank credit, the health of the bank will be more stable or even better.
PENGARUH E-BANKING DAN RISK PROFILE TERHADAP PROFITABILITAS PERBANKAN DI INDONESIA Anggi Rahma Ativanita; Sakti, Rachmad Kresna
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.2.02

Abstract

Technological sophistication in the era of globalization continues to encourage banks to provide the latest breakthroughs through modern lifestyles and easy access to banking services through electronic banking. In its implementation, electronic banking offers several services that can be used by customers, including mobile banking and Automated Teller Machines (ATMs). In line with technological developments, the complexity of banking risks has also increased from a credit perspective due to the Covid-19 pandemic. This study aims to determine the effect of electronic banking and risk profiles on banking profitability in Indonesia within 5 years of observation starting in 2017-2021. The research sample consisted of 5 conventional banks that met the purposive sampling criteria using multiple linear regression methods. Previously, a model specification test was carried out, with the results of the Random Effect Model (REM) as the best model to be used in this study. The data used in this study also passed the classical assumption test. Research results show that the number of ATM and NPL has a significant effect on ROA. Meanwhile, mobile banking has no significant effect on ROA.
ANALISIS PENGARUH KINERJA KEUANGAN PERBANKAN TERHADAP NILAI PERUSAHAAN DENGAN PROFITABILITAS SEBAGAI VARIABEL INTERVENING Hidayah, Roisatul; Sakti, Rachmad Kresna
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.1.07

Abstract

Financial performance is an illustration of the level of success achieved by a bank in its operational activities. banking financial performance is a major factor and is very important to assess the overall banking performance by looking at the value of the company. The purpose of this study was to determine the effect of CAR, NPL, LDR and BOPO on firm value with profitability as an intervening variable in banking companies. This type of research is quantitative research. As for the sample used in this study, namely 8 bank financial reports published during the 2012-2021 period using the random sampling method. The data analysis technique used is multiple linear regression and Moderrated Regression Analysis (MRA). The results of the study state that CAR and NPL have no effect on firm value, while LDR and BOPO have a negative and significant effect on firm value. In addition, the results of this study also state that profitability is proven to be able to moderate the relationship between the influence of CAR, NPL, LDR and BOPO on firm value. It is hoped that banking management can focus more on improving the performance of the Loan to Deposit Ratio (LDR) and BOPO (Operating Costs to Operating Income), this is because during the study period these variables had a negative and significant effect on Price to Book Value (PBV). Besides that, banking companies also need to pay attention to their profitability. Because profitability is a picture of banking in obtaining profits.
STUDI KOMPARATIF PROFITABILITAS SEBELUM DAN SESUDAH PENERAPAN BRANCHLESS BANKING DAN DAMPAK TERHADAP KEUANGAN BERKELANJUTAN Pranata S., Andika Nedya; Sakti, Rachmad Kresna
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.03.1.03

Abstract

The purpose of this study was to determine a comparative study of banking profitability before and after implementing branchless banking, as well as analyzing the impact of the branchless banking program on sustainable finance. This research takes bank companies that are included in the Bank Based on Core Capital (KBMI) 4 group, namely Bank Mandiri, BRI, BNI, and BCA as research objects. Apart from that, one of the impacts of branchless banking on the macro economy is economic growth. The time period reviewed in this research is from 2010-2014 before the use of branchless banking and 2015-2022 after the use of Branchless Banking. This research uses a comparative test method and the hypothesis test uses non-parametric statistics (Wilcoxon signed-rank test). The research results show that in the ROA ratio there are 3 banks that show significant differences, in the NIM ratio there are 3 banks that show significant differences, and in the BOPO ratio 2 banks show significant differences. The results of this research also show that the existence of branchless banking has a positive impact on the macro economy, namely economic growth in
PENGARUH PROFIL RISIKO TERHADAP VARIABEL FINANCIAL DISTRESS (STUDI KASUS PADA BANK KBMI 1 – 4 SERTA BANK BUMN DAN BUSN PERIODE 2017-2021) Mohammad Irham Muqoddam; Sakti, Rachmad Kresna
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.2.12

Abstract

This study aimed to analyze the bank's health assessment instrument through the risk profile of the RBBR component with bankruptcy prediction using the Bankometer model. This study used the category of Banks Based on Core Capital (KBMI) class 1 to 4 for the period 2017 to 2021. The components in this study include several risk profiles of a bank including Loan to Deposit Ratio, Non Performance Loans, BOPO, Return on Assets, Capital Adequacy Ratio and Inflation, while Bankometer is measured using the S-Score. The results of the study stated that the risk profile that significantly affects the research sample is credit risk and liquidity, it can be concluded that the higher the capital determined by the bank in order to continue to gain investor confidence but cannot manage properly, it will only increase the high burden on the bank's risk value.
Analysis of the Contribution of Micro and Small Scale Industries to Poverty Reduction in Indonesia During the 2020-2023 Period Aqila Raeshad; Sakti, Rachmad Kresna
Journal of Development Economic and Social Studies Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2025.04.2.07

Abstract

Poverty is a national challenge faced by almost every country in the world, and its resolution requires various strategic efforts from different parties. This study aims to analyze the role of the MSME sector in reducing poverty levels in Indonesia using a quantitative approach. The research utilizes panel data from 34 provinces in Indonesia for the years 2020-2023, employing the two-stage least squares (2SLS) method. The study finds that several factors influence the income of micro and small-scale industries, such as the number of industries, the percentage of paid labor, and the percentage of industries using digital technology, all of which have a positive and significant correlation. Meanwhile, the percentage of industries innovating in technology and production processes has a positive but insignificant effect on the income of micro and small-scale industries. Additionally, the correlation between micro and small-scale industry income and the percentage of the poor population shows a negative and insignificant effect.
The Determinants That Influence The Informal Sectors Rahmadhani, Kharisma; Sakti, Rachmad Kresna
Journal of Development Economic and Social Studies Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The employment sector in a country is divided into two, namely the formal employment sector and the informal employment sector. Until now, the informal employment sector still dominates employment in Indonesia with a percentage of more than 50 percent. In this study, panel data analysis will be used to explain the effect of mean years of schooling, unemployment and poverty on informal employment in Indonesia from 2018 to 2022. The results of the study show that the mean years of schooling actually has a significant positive effect on the proportion of informal work. Then, unemployment and poverty have a significant positive effect on the proportion of informal employment
The Effects of The Fed’s Interest Rate, US Obligation Yield, DJIA, Inflation, Exchange Rate, and Stock Trading Volume on Idx Composite in Indonesia During the 2021-2024 Period Susanti, Ratna Puji; Sakti, Rachmad Kresna
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.12

Abstract

The global economic crisis was triggered by an increase in global inflation due to the rise in demand for goods and an increase in commodity prices due to the geopolitical turmoil in Russia and Ukraine. It affects the macroeconomics of various countries, especially the United States which has a major influence on global markets by responding to changes in the American macroeconomy it affects the Indonesian macroeconomy and has an impact on the Indonesian capital market because Indonesia has a dependence on foreign capital flows. The purpose of this study is to determine how the influence of the Fed Interest Rate, Dow Jones Industrial Average (DJIA), US Bond Yield, Inflation, Exchange Rate, and stock trading volume on the IDX Composite in Indonesia. The research method in this study used multiple linear regression analysis. The findings of this study indicate that the Fed Interest Rate has a significant negative effect on the IDX Composite, US Bond Yield, DJIA, Inflation and Stock Trading Volume have a significant positive effect on the IDX Composite. However, the findings of the Exchange Rate do not affect the IDX Composite.
Analysis of the Effects of Economic Growth, Investment, Education, and Technology on Open Unemployment Rate in Java Salsabhila, Atira; Sakti, Rachmad Kresna
Journal of Development Economic and Social Studies Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The open unemployment rate in Java Island remains relatively high compared to other islands in Indonesia, even exceeding the national average. Therefore, appropriate solutions are needed to address this unemploymet issue. This study aims to determine and analyze the influence of economic growth, investment, education, and technology on the open unemployment rate in the 6 provinces of Java Island during the 2015-2023 period. This research is a quantitative study using panel data regression analysis. The data used are secondary data obtained from BPS. The result of this study show that economic growth has a negative and significant effect on the open unemployment rate, education has a positive and significant effect on the open unemployment rate, while investment and technology have no effect on the open unemployment rate.
Co-Authors Agus Suman Agustin, Rahayu Anzelina Anggi Rahma Ativanita Aqila Raeshad Arisetyawan, Kukuh Axellina Muara Setyanti, Axellina Muara Azarya hendry christy Bintoro, Nugroho Suryo Dewana Pinasthika Lestari Dizzahara, Izhellia Oktatubela Habibi, Muhammad Rasyid Hidayah, Roisatul Kadafi, M. Amin Khotiawan, Ma'rufa Masruroh, Isna Aisyah Mohammad Irham Muqoddam Mulya, Ziddan Baasith Mulyani, Cici Sri Naufal Nur Maulidi Neli Aida Paksi, Girindra Mega Peggywati, Velenza Riyanda Pranata S., Andika Nedya Purba, Agnes Sheryta Anastasya Putri, Naswa Berliana Rahmadhani, Kharisma Raka Muhammad Ziddan Ristiana, Eka Prastya Rulita, Insyira Sabda Imani Rubiarko Salsabhila, Atira Sasongko Sasongko, Sasongko Setyo Tri Wahyudi Suherman, Raihan Susanti, Ratna Puji Susilo . Suwandi, Bryan Zelig Van Indra Wiguna Wicaksono, Bagas Jiwanda