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Analisis Pengaruh Indikator Keuangan dan Makro Ekonomi terhadap Profitabilitas Bank Pembangunan Daerah di Masa Sebelum dan Selama Pandemi Covid-19 Eka Satria Praja; Fajri Adrianto; Masyuri Hamidi
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i3.680

This study aims to see the effect of NPL, LDR, CASA, GRDP and inflation on the profitability of 26 (twenty six) Regional Development Banks (BPD) throughout Indonesia which were presented in the form of ROA ratios for the period before the Covid pandemic in 2016 to 2019 and during the Covid pandemic from 2020 to 2021. The descriptive research method uses a quantitative approach with the data analysis method used i is panel data regression analysis. The type of data used is secondary data sourced from published financial reports of BPDs throughout Indonesia on the websites of each BPD, the Central Bureau of Statistics and Bank Indonesia. This research got partial results before the Covid pandemic; NPL has a significant negative effect on ROA, LDR has no significant positive effect on. CASA has no significant positive effect on ROA. GRDP has no significant positive effect on ROA. Inflation has no significant negative effect on ROA. Simultaneously NPL, LDR, CASA, GRDP and inflation have a significant effect on ROA. Partial research results during the Covid pandemic; NPL has no significant negative effect on ROA. LDR has no significant positive effect on ROA. CASA has no significant positive effect on ROA. GRDP has no significant positive effect on ROA. Inflation has no significant negative effect on ROA. Simultaneously NPL, LDR, CASA, GRDP and inflation have no significant effect on ROA.

ANALISA DAMPAK RASIO KEUANGAN PERBANKAN TERHADAP PROFITABILITAS BANK BERDASARKAN MODAL INTI (KBMI) PADA KELOMPOK BANK DI INDONESIA Subrini; Masyhuri Hamidi; Fajri Adrianto
Journal Publicuho Vol. 7 No. 1 (2024): February - April - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v7i1.364

This research aims to investigate the analysis of the relationship between banking financial ratios and profitability using the purposive sampling technique in the form of panel data. The research sample was derived from 47 banking sectors listed on the BEI stock exchange from 2013 to 2022, with a total of 470 firm-year observations. The regression method employed was the Ordinary Least Squares (OLS) data panel, and it underwent tests for regression model selection, classical assumptions, robustness, and the Generalized Least Squares (GLS) method. The research findings indicate that CASA is a determining factor for banks in general to enhance Return on Assets (ROA), especially in the small bank group (KBMI 1 and 2). BOPO has been a hindering factor for banks in general to achieve profitability (ROA and ROE) over the past 10 years. In the pre and POST economic crisis of Covid-19, the Loan to Deposit Ratio (LDR) is a hindering factor for banks in general to achieving profitability. Interestingly, as long as the economic crisis, the opposite is true, LDR became a determining factor in increasing profitability, especially in the large bank group (KBMI 3 and 4).

EXPLORING DIGITAL LITERACY, FINANCIAL LITERACY, AND SOCIAL MEDIA'S IMPACT ON CRYPTOCURRENCY INVESTMENT DECISIONS Amran, Kevinia Mayumi; Adrianto, Fajri; Hamidi, Masyhuri
Jurnal Riset Entrepreneurship Vol 8 No 1 (2025): (Edisi Pebruari) Volume 8, Nomor 1, Tahun 2025
Publisher : Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jre.v8i1.8266

Social media and the digital era have had a big impact on investing decisions, particularly in the cryptocurrency space. This study investigates how social media, financial literacy, and digital literacy affect DKI Jakarta Millennials and Generation Z's decision-making when making investments. The study looks at the mental processes that underlie investing decisions and is based on theories of reasoned action and planned behavior. The study emphasizes how important financial literacy is for reducing risks and helping people make wise decisions. Digital literacy, on the other hand, improves one's capacity to navigate and evaluate large volumes of financial data. Social media is recognized as a key influencer that shapes public opinion and propels financial trends. The study's quantitative approach makes use of structural equation modelling (SEM) to examine data from an DKI Jakarta survey given to Millennials and Generation Z. The findings show that by improving access to and analysis of financial information, digital literacy has a positive impact on investment decisions. The study finds that making wise investment decisions in the cryptocurrency market requires a thorough understanding of social media, digital literacy, and financial literacy. Keywords: Digital Literacy, Financial Literacy, Social Media, Investment Decisions and Cryptocurrency.

Comparison of Predictive Accuracy of the Indonesia Composite Index (ICI) Dahlan, Yunita; Hamidi, Masyhuri
Business and Investment Review Vol. 1 No. 2 (2023)
Publisher : CV. Lenggogeni Data Publishing

This study aims to examine the effect of exchange rate and interest rates on the movement of the Composite Stock Price Index using the causality method and pattern approach. The pattern approach method predicts the movement of the stock price index through the movement pattern itself like the ARIMA method while the causality method predicts the movement of the stock price index through the variables that influence it such as the ARCH and GARCH methods. This study was conducted using monthly IHSG data, exchange rates and interest rates as of January 2014 to November 2018. From the results of the study it can be concluded that the exchange rate does not significantly influence the IDX value while the interest rate has a significant effect on the IDX, but the exchange rates and interest rates together the same has a significant negative effect on the value of the IDX. And after the two methods were compared the results were obtained that the ARIMA method gave more accurate predictive results in predicting the IHSG movement. Abstrak Penelitian ini bertujuan untuk menguji pengaruh variabel kurs dan suku bunga terhadap pergerakan Indeks Harga Saham Gabungan dengan menggunakan metode kausalitas dan pendekatan pola. Metode pendekatan pola memprediksi pergerakan indeks harga saham melalui pola pergerakan itu sendiri seperti metode ARIMA sedangkan metode kausalitas memprediksipergerakan indeks harga saham melalui variabel-variabel yang mempengaruhinya seperti metode ARCH dan GARCH. Penelitian ini dilakukan menggunakan data bulanan IHSG, kurs dan suku bunga per januari 2014 hingga November 2018. Dari hasil penelitian dapat disimpulkan bahwa kurs tidak berpengaruh secara signifikan terhadap nilai IHSG sedangkan suku bunga berpengaruh signifikan terhadap nilai IHSG, tetapi kurs dan suku bunga secara bersama-sama berpengaruh negatif secara signifikan terhadap nilai IHSG. Dan setelah kedua metode dibandingkan diperoleh hasil bahwa metode ARIMA memberikan hasil prediksi yang lebih akurat dalam memprediksi pergerakan IHSG.

The Influence of Corporate Governance and Covid-19 on Tax Avoidance in Mining Companies Listed on The IDX From 2018 to 2023 Rifqoh Nailufar, Fairuz; Hamidi, Masyhuri; Fany Alfarisi, Mohamad
Journal of Accounting and Finance Management Vol. 5 No. 3 (2024): Journal of Accounting and Finance Management (July - August 2024)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v5i3.710

This study aims to analyze the effect of corporate governance, share ownership, management compensation, and the Covid-19 pandemic on tax avoidance in mining companies listed on the Indonesia Stock Exchange (IDX) for the period 2018-2023. Corporate governance is measured by the number of independent commissioners and audit committees, while share ownership includes institutional and managerial ownership. This study uses 20 companies as samples with a total of 120 data observations using the purposive sampling method. The research data were analyzed using panel data regression using EViews12 software. The number of independent commissioners and institutional ownership contribute to a decrease in tax avoidance by increasing supervision and compliance. Conversely, the number of audit committees and management compensation are positively related to tax avoidance, indicating weaknesses in the effectiveness of supervision and compensation incentives that encourage tax avoidance. Managerial ownership has a negative but insignificant effect on tax avoidance. The Covid-19 pandemic shows a positive but insignificant effect, with government policies and corporate governance helping to limit its impact. Overall, the low tax ratio in the mining sector could be related to a combination of these factors, including weaknesses in corporate governance, audit committee effectiveness, institutional ownership, and inadequate compensation incentives. This study also found that the low tax ratio in the mining sector is closely related to tax avoidance practices carried out by companies. The implications of this study are the importance of increasing supervision of corporate governance, especially in terms of the effectiveness of independent commissioners and audit committees, as well as transparency in share ownership and management compensation. Government policies and related authorities need to be strengthened to minimize tax avoidance practices, in order to increase state tax revenues from the mining sector.

Strategi Aliansi Bank Nagari dalam Menghadapi Disrupsi Teknologi Fintech Mayasari, Anggi Puspita; Pujani, Vera; Hamidi, Masyhuri
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (June 2023)
Publisher : SAFE-Network

The purpose of this study was to determine Bank Nagari's leading business segment, the type of Fintech and the collaboration model most suitable for Bank Nagari. This type of research is a case study with a descriptive qualitative approach. Research respondents are strategists or decision makers at Bank Nagari. This study uses primary data obtained from respondents' answers in the form of filling out questionnaires and interviews, namely data obtained directly from the object of research. The data analysis technique uses the Quantitative Strategic Planning Matrix (QSPM) to select alternative strategies which include Internal Factor Evaluation (IFE) matrix analysis, External Factor Evaluation (EFE) matrix analysis, weighting, rating determination and multiplication of weights with ratings. The results showed that the value of selecting the bank's business segments, namely MSME and Commercial, was the most attractive alternative strategy or had the highest average TAS score of the other alternative strategies (5.784), the value of choosing the type of Fintech P2P Lending was the most attractive alternative strategy or had a total score The highest average TAS of the other strategic alternatives (5.310), the value of selecting the Channeling as collaboration model is the most attractive strategic alternative or has the highest average Total TAS score of the other strategic alternatives (5.199).

Pengaruh Internal Information Quality, Foreign Institutional Ownership dan Financial Constraints terhadap Cash Holding Pada Perusahaan Non Keuangan yang Terdaftar di Bursa Efek Indonesia Tahun 2020-2022 Ammanda, Afifah; Hamidi, Masyhuri; Adrianto, Fajri
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 3 (September 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i3.922

This study aims to look at the factors that influence cash holding in non-financial companies. The independent variables use in this study are internal information quality, foreign institutional ownership and financial constraints and this study uses control variables firm size, leverage and growth opportunity. The data analysis technique used in this research is panel data regression. Based on the results of the research conducted, it was found that the internal information quality has a negative and significant effect on cash holding. Foreign institutional ownership has no significant effect on cash holding. Financial constraints also has no significant effect on cash holding. The control variable firm size has no significant effect on cash holding. The control variable leverage has a negative and significant effect on cash holding. The control variable growth opportunity also has a negative and significant effect on cash holding.

Pengaruh Green Accounting, Kinerja Lingkungan, dan Leverage, terhadap Kinerja Keuangan yang Dimoderasi oleh Corporate Social Responsibility Refalina, Aulia; Hamidi, Masyhuri; Rahim, Rida
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 3 (September 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i3.958

The purpose of this study is to determine the influence of Green Accounting, and Leverage moderated by Corporate Social Responsibility on the Company's Financial Performance. The research method used is a quantitative method. The data used in this study is secondary data in the form of financial statements from the website (www.idx.co.id). The population in this study is manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the 2018-2022 period. The sample was selected from the purposive sampling method and obtained a sample of 38 companies from several criteria that had been set. The analysis technique used in this study is panel regression analysis with the help of STATA version 14.2. The results of the analysis show that Green Accounting does not have a significant positive effect on financial performance. Leverage has a significant negative effect on financial performance. Green accounting moderated by Corporate Social Responsibility on the Company's Financial Performance has a negative effect. Leverage moderated by Corporate Social Responsibility has a significant positive effect on the Company's financial performance. This research can contribute to adding literature related to additional considerations such as Green Accounting, leverage and CSR for investors in evaluating the Company's potential.

Pengaruh Internal Information Quality, Foreign Institutional Ownership dan Financial Constraints terhadap Cash Holding Pada Perusahaan Non Keuangan yang Terdaftar di Bursa Efek Indonesia Tahun 2020-2022 Ammanda, Afifah; Hamidi, Masyhuri; Adrianto, Fajri
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 3 (September 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i3.922

This study aims to look at the factors that influence cash holding in non-financial companies. The independent variables use in this study are internal information quality, foreign institutional ownership and financial constraints and this study uses control variables firm size, leverage and growth opportunity. The data analysis technique used in this research is panel data regression. Based on the results of the research conducted, it was found that the internal information quality has a negative and significant effect on cash holding. Foreign institutional ownership has no significant effect on cash holding. Financial constraints also has no significant effect on cash holding. The control variable firm size has no significant effect on cash holding. The control variable leverage has a negative and significant effect on cash holding. The control variable growth opportunity also has a negative and significant effect on cash holding.

Pengaruh Green Accounting, Kinerja Lingkungan, dan Leverage, terhadap Kinerja Keuangan yang Dimoderasi oleh Corporate Social Responsibility Refalina, Aulia; Hamidi, Masyhuri; Rahim, Rida
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 3 (September 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i3.958

The purpose of this study is to determine the influence of Green Accounting, and Leverage moderated by Corporate Social Responsibility on the Company's Financial Performance. The research method used is a quantitative method. The data used in this study is secondary data in the form of financial statements from the website (www.idx.co.id). The population in this study is manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the 2018-2022 period. The sample was selected from the purposive sampling method and obtained a sample of 38 companies from several criteria that had been set. The analysis technique used in this study is panel regression analysis with the help of STATA version 14.2. The results of the analysis show that Green Accounting does not have a significant positive effect on financial performance. Leverage has a significant negative effect on financial performance. Green accounting moderated by Corporate Social Responsibility on the Company's Financial Performance has a negative effect. Leverage moderated by Corporate Social Responsibility has a significant positive effect on the Company's financial performance. This research can contribute to adding literature related to additional considerations such as Green Accounting, leverage and CSR for investors in evaluating the Company's potential.

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