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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Jurnal Ekonomi dan Kewirausahaan Jurnal Keuangan dan Perbankan JDM (Jurnal Dinamika Manajemen) JEJAK Journal of Economics, Business, & Accountancy Ventura Jurnal Manajemen Teori dan Terapan MIX : Jurnal Ilmiah Manajemen AFRE Accounting Financial Review Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan NISBAH: JURNAL PERBANKAN SYARIAH Jurnal Akuntansi dan Bisnis Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming MANAJEMEN DEWANTARA Sebelas Maret Business Review International Journal of Economics, Business and Accounting Research (IJEBAR) The Indonesian Journal of Accounting Research Journal of Management and Entrepreneurship Research Indonesian Capital Market Review Jurnal Manajemen dan Pemasaran Jasa Journal of Current Studies in SDGs
Irwan Trinugroho Irwan Trinugroho
Department Of Management Faculty Of Economics And Business Universitas Sebelas Maret
Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Mechanical Engineering Public Health Social Sciences Other

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The Effect of Fintech Loans on Commercial Bank Margin Afnizal Zulfan Ariffandi; Irwan Trinugroho
Jurnal Keuangan dan Perbankan Vol 26, No 4 (2022): OCTOBER 2022
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v26i4.7865

Abstract

This study aims to examine how far competition between commercial banks and fintech firms impacts the margins of commercial banks in Indonesia. Panel data regression analysis using the random-effects model was conducted on the financial data of 84 commercial banks from 2018 to 2021. This study found that the growth of fintech firms did not affect decreasing commercial banks’ margins. However, fintech loans’ growth was found to significantly and negatively effecting commercial banks’ margins, Meaning that fintech loans’ growth decreases the margins of commercial banks in Indonesia. Bank size, non-performing loan (NPL), and capital ratios do not significantly affect commercial banks’ margins. This research ultimately provides input for making fintech interest rate policies and also input for commercial banks to adopt technology so that they do not seem old-fashioned and convoluted. This research only examines the influence of fintech firms on commercial banks, so future research could examine the effect on different types of banks, such as Islamic banks and rural banks.
RESTRUKTURISASI PEMBIAYAAN NASABAH TERDAMPAK COVID-19 TERHADAP KINERJA DAN RISIKO PEMBIAYAAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) Soni Prima Nugroho; Irwan Trinugroho
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 1 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i1.9513

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh restrukturisasi pembiayaan nasabah terdampak COVID-19 terhadap kinerja dan risiko pembiayaan Bank Perkreditan Rakyat Syariah (BPRS) di Surakarta. Metode yang digunakan adalah analisis deskriptif kuantitatif dan analisis regresi dengan menggunakan data panel dari 8 BPRS di Surakarta selama periode Januari 2020 hingga Juni 2022. Hasil penelitian menunjukkan bahwa restrukturisasi pembiayaan yang terdampak COVID-19 berpengaruh signifikan negatif terhadap kinerja BPRS. Restrukturisasi pembiayaan yang tidak efektif dapat menurunkan kinerja BPRS. Selain itu, restrukturisasi tidak berpengaruh pada risiko pembiayaan BPR/BPRS. Oleh karena itu, penelitian ini dapat memberikan kontribusi bagi BPRS dalam mengambil kebijakan restrukturisasi kredit yang tepat pada nasabah terdampak COVID-19 pada sektor keuangan.
Simultaneous Analysis: The Effect of Electricity Consumption on Human Development Index in ASEAN 5 Suryanto - Suryanto; Irwan Trinugroho; Fitri Susilowati
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 15, No 2 (2022): September 2022
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v15i2.37743

Abstract

A high per capita electricity consumption in developed countries is also correlated with high numbers on the human development index. Several studies show the relationship between the level of electricity consumption on economic growth and vice versa. This study aims to explore the relationship between electricity consumption, Human Development Index (HDI), and inflation to Gross Domestic Product (GDP) per Capita in ASEAN 5 countries. Using the simultaneous equation for the period 2012 to 2010 with the indirect least squares (ILS) analysis technique, it is found that electrical energy consumption has a positive effect on GDP per capita but HDI (Human Development Index) does not significantly affect GDP per Capita in ASEAN 5 countries. Meanwhile, the obtained inflation variable does not affect GDP per Capita. Then, we develop the second model and third model to test the impact on GDP per capita, electricity per capita, and HDI. The second model HDI as the dependent variable is influenced by the level of electricity consumption per capita and GDP per capita. This result proves that HDI is not influenced significantly by GDP per capita but is influenced by electricity consumption per capita. The third model shows empirical evidence that GDP per capita and HDI affect the level of electricity consumption. The policy implication is that electricity consumption will increase along with the increase in economic growth. The government must be able to increase supply to fulfill the rising electricity demand.
FINTECH LENDING DEVELOPMENT, RURAL BANK PERFORMANCE, AND COLLABORATION POTENTIAL: RURAL BANKS PERSPECTIVE Nofa Hermawati; Irwan Trinugroho
MANAJEMEN DEWANTARA Vol 8 No 1 (2024): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v8i1.15984

Abstract

The rapid development of information technology has brought the presence of fintech to the financial industry, which in turn has had a disruptive effect on banks that still run the business in traditional way, especially the rural banks that have a similar market share and relatively smaller resources. This study aims to examine the impact of fintech lending development on the rural bank performance and the potential for collaboration between fintech companies and rural banks in the Greater Solo Region based on rural banks’ perspective. The research uses primary data obtained from questionnaire survey that are analyzed by using an in-depth descriptive statistics and multiple linear regression analysis. The study discovers that the development of fintech lending in the Greater Solo area is considerably not really significant according to the rural banks’ perceptions. Furthermore, this research finds that the development of fintech lending has a negative effect on rural bank performance and a positive effect on the potential for collaboration between fintech companies and rural banks. This research contributes to providing recommendations for fintech companies and rural banks in building partnerships and for regulators in overseeing such collaborations to increase financial inclusion in Indonesia as a whole.
THE EFFECT OF SUSTAINABILITY REPORTING ON FINANCIAL PERFORMANCE DURING THE COVID-19 PANDEMIC Oviwasat Nawacatur; Irwan Trinugroho
MANAJEMEN DEWANTARA Vol 7 No 2 (2023): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v7i2.16044

Abstract

The study aims to examine the effect of perfomance disclosure and sustainability report, including economic perfomance and social performance on the financial perfomance of companies listed on the Indonesia Stock Exchange (IDX) for the 2018-2021 period, which during this time span was the early period of the Covid-19 pandemic. The independent variable in this study is the sustainability report (X), while the dependent variable in this study is financial performance (Y1) and market performance (Y2), the control variable is represented by financial leverage, total assets, and audi quality which is one of the fundamental information for market participants. The sample used in this study is a company selected based on the purposive sampling method. The analytical method used in this study is multiple linear regression test, by testing the hypotesis T test
Trust and Risk: Evidence from Rural Banks in Emerging Market Irwan Trinugroho; Aldy Fariz Achsanta; Taufiq Arifin; Nugroho Saputro
ETIKONOMI Vol 23, No 2 (2024)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v23i2.35775

Abstract

Research Originality: This research is the first to discuss how rural bank risk-taking behaviour is affected by trust in particular when the poverty rate is high.Research Objectives: This research aims to investigate how risk in rural banks is shaped by the two dimensions of trust by taking into account different poverty levels across the regionResearch Methods: To thoroughly conduct our research, we use quarterly dataset of rural banks obtained from Otoritas Jasa Keuangan (OJK) for the period of 2010Q2 to 2016Q3 when the bail-out regime was still in effect. We employ a random effect model to account for individual heterogeneity.Empirical Result: Our evidence suggests that in-group trust is detrimental to rural banks’ risk. Conversely, out-group trust positively affects rural banks’ stability only if the region has a lower poverty level.Implications: To reduce risk, the rural bank has to use social capital and penetrate informally to the market where in-group trust is high to be able to compete with informal lending and to contribute better to society.JEL Classification: G21, G28, G32How to Cite:Trinugroho, I., Achsanta, A. F., Arifin, T., & Saputro, N. (2024). Trust and Risk Evidence from Rural Banks in Emerging Markets. Etikonomi, 23(2), 287 – 298. https://doi.org/10.15408/etk.v23i2.35775
Financial distress, value of firm, trilemma index dan investment decision studi pada perusahaan pertambangan global besar Junivar, Mutiara Syahada; Ariefianto, Moch. Doddy; Trinugroho, Irwan
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 10 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (584.776 KB) | DOI: 10.32670/fairvalue.v4i10.1742

Abstract

The purpose of this study was to determine the relationship between financial distress, value of firm and investment decision in the world's largest mining companies. Investment decision in a company is very important in developing the company, it can be by doing business expansion or other things. This research uses quantitative methods. The independent variables in this study are financial distress, firm value and trilemma index. the financial distress coefficient is negative -0.04 significant with a p-value of 0.021 for investment decisions. Financial distress has a negative influence on investment decisions in large mining companies around the world in 2010-2019, which means that in the world's large mining companies, companies that have a financial downturn in their companies tend to make investment decisions with the aim of restoring the company's financial condition. The point is, financial distress here can also occur not because after the company makes an investment decision, the company will experience a financial downturn, this can happen one of them because by making an investment decision it can make the company's finances seem to be reduced but financial conditions can be reduced. by the company in making investments.
THE WORKING CAPITAL, INVESTMENT, THIRD PARTY FUND ON OUTSTANDING FINTECH WITH CREDITOR GROWTH AS MODERATOR Rinofah, Risal; Sari, Pristin Prima; Pratama, Yhoga Heru; Trinugroho, Irwan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15628

Abstract

The research aims to empirically examine the influence of working capital financing, investment and third party funds on Fintech Outstanding with Credit Growth Moderators in 2020-2023. Multiple Linear Regression Method with SPSS IBM 20 analysis tool. The significance level of the accepted research hypothesis is 5%. The research sample uses data from the My Data application in Yogyakarta online from the OJK. The benefit of the research is that investors can consider investing in Fintech Lending companies, for Fintech Company management it is to consider flexibility in credit conditions for MSMEs to increase Fintech Outstanding. The results of the research are that working capital credit has a significant effect on outstanding fintech but investment credit, deposits and creditor growth do not have a significant effect on outstanding fintech. Creditor growth was unable to significantly moderate working capital and investment in outstanding fintech. Keywords : Creditor, Fintech, Investment, Third Party fund, Working Capital.
THE WORKING CAPITAL, INVESTMENT, THIRD PARTY FUND ON OUTSTANDING FINTECH WITH CREDITOR GROWTH AS MODERATOR Rinofah, Risal; Sari, Pristin Prima; Pratama, Yhoga Heru; Trinugroho, Irwan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15628

Abstract

The research aims to empirically examine the influence of working capital financing, investment and third party funds on Fintech Outstanding with Credit Growth Moderators in 2020-2023. Multiple Linear Regression Method with SPSS IBM 20 analysis tool. The significance level of the accepted research hypothesis is 5%. The research sample uses data from the My Data application in Yogyakarta online from the OJK. The benefit of the research is that investors can consider investing in Fintech Lending companies, for Fintech Company management it is to consider flexibility in credit conditions for MSMEs to increase Fintech Outstanding. The results of the research are that working capital credit has a significant effect on outstanding fintech but investment credit, deposits and creditor growth do not have a significant effect on outstanding fintech. Creditor growth was unable to significantly moderate working capital and investment in outstanding fintech. Keywords : Creditor, Fintech, Investment, Third Party fund, Working Capital.
Overcoming Barriers to Digital Payment: Insights from QRIS Adoption in Rural West Sulawesi Purbowo, Gunawan; Trinugroho, Irwan
Journal of Management and Entrepreneurship Research Vol. 6 No. 1 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.6.06.1-58

Abstract

Objective: We examine the key factors influencing QRIS adoption in rural West Sulawesi, focusing on access to information, infrastructure availability, user perceptions, and financial literacy. Research Design & Methods: We applied a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze survey data from 410 respondents. Constructs were based on the Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT). Findings: We found that QRIS adoption is significantly influenced by access to information, infrastructure, and user perceptions. While financial literacy does not have a significant direct effect. Among the control variables, age and education show significant positive relationships with adoption, whereas gender and spending levels have no direct impact. Implications and Recommendations: Improving ICT infrastructure and promoting targeted information campaigns can enhance QRIS adoption. Policymakers should leverage community leaders and educational programs to build trust and positive perceptions, while focusing on younger and educated demographics to act as digital ambassadors. Contribution & Value Added: Our research highlights the critical role of infrastructure, social influence, and user perceptions over financial literacy in driving digital payment adoption, providing actionable insights for enhancing financial inclusion in rural contexts.
Co-Authors Afnizal Zulfan Ariffandi Agista Putri Prameswari Agung Nur Probohudono Aina Mardiya Aldy Fariz Achsanta Ari Darmawan Ariefianto, Moch. Doddy Ariefianto, Mochammad Doddy Arifin, Layyin Nafisa Ariyanto Adhi Nugroho Aurence Dea Krissanti Aurio Fajrin Bany Ariffin Amin Noordin Chee, Hong Kok Darma Saputra Dewanti Cahyaningsih Djoko Karyono Djoko Suhardjanto Djoko Suhardjanto Doddy Setiawan Doddy Setiawan Doddy Setiawan Evi Gantyowati Fadli Septianto Fahri, Luki Okta Faizul Mubarok Febby Erianto Nugroho Fitri Susilowati Gunawan Wiradharma Harmadi Harmadi Hermawati, Nofa Hidayah, Ismi Nur Hong Kok Chee Hunik Sri Runing Sawitri Hunik Sri Runing Sawitri Indra Purnama, Muhammad Yusuf Izza Mafruhah Joko Suyono Junivar, Mutiara Syahada Khoiriyah, Siti Koesoemasari, Dian Safitri Pantja Layyin Nafisa Arifin Lian Kee Phua Linggar Ikhsan Nugroho Mario Aditya Prasetyo Melisa Arisanty Moch. Doddy Ariefianto Muh Juan Suam Toro Muhammad Agung Prabowo Muhammad Ahnaf Ammar Qushoyyi Muthmainah Muthmainah Muthmainah Muthmainah Mutiara Nur Hafidiyah, Mutiara Nur Nofa Hermawati Novi Widyawati Nugroho Saputro Nugroho Saputro, Nugroho Nugroho, Linggar Ikhsan Nur Imamah Nur Imamah Oviwasat Nawacatur Pamungkas, Putra Phua, Lian Kee Prameswari, Agista Putri Pratama, Yhoga Heru Purbowo, Gunawan Purnama, Muhammad Yusuf Indra Putra Pamungkas Risal Rinofah Risal Rinofah, Risal Santoso, Arief Budi Sari, Pristin Prima Setyaningtyas Honggowati Sevanrhoo Noya Dean Tanardi Soni Prima Nugroho Sri Hartoko Supriyono Supriyono Surahmi Kando Suryanto - Suryanto Sutaryo Sutaryo Sutaryo Sutaryo Sutaryo Sutaryo TAUFIK ARIFIN Taufiq Arifin Toro, Muh Juan Suam Tulus Haryono Wahyu Widarjo Wisnu Untoro Wisnu Untoro wisnu untoro, wisnu Y. Anni Aryani