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Bahtiar Usman, Bahtiar

Universitas Trisakti

Author-ID : 598625

Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Transportation Other

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Analysis of the Influence of Governance and Social Responsibility (CSR) on Performance and Savings and Loans Welfare Cooperative Rejeki, Sri; Usman, Bahtiar
Asian Journal of Social and Humanities Vol. 2 No. 4 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i4.216

This research aims to determine the welfare of cooperative members through governance and social responsibility (CSR) variables. The research objects are the Bererod Gratia Savings and Loans Cooperative and the Madani Savings and Loans Cooperative. Samples were taken from cooperative members who had been members of the cooperative for 3 years or more. The research uses a qualitative approach to analyze the results of the questionnaire. Analysis was carried out using content analysis. Primary data was obtained from the results of interviews and questionnaires announced to respondents. Meanwhile, secondary data was taken from the 2020-2022 Annual Member Meeting Report. The questionnaire concluded that the welfare of cooperatives depends on good, professional and sustainable governance and social responsibility (CSR). Good Corporate Governance is manifested in transparency, accountability, responsibility, independence, equality and fairness in every financial transaction, level of management commitment, quality of cooperative performance, and decision making that involves all members. Research also shows the responsibility of social cooperatives for the welfare of members and the surrounding community which has a positive influence in the form of social, economic, environmental, law-abiding, and education-health. Finally, research shows that professional quality performance by having work motivation, good financial freedom, a conducive work environment, opportunities for self-development, a strong collaborative team, and sustainable financial stability can help the welfare of cooperative members and the desire for cooperatives. The research results show that both cooperatives have succeeded in promoting the welfare of their members. Suggestions for further research include research on other cooperatives. not limited to just two cooperatives and with a wider working area coverage.

The Effect of Organizational Ambidexterity, Innovation Capability and Leadership Competencies On Business Peformance Mediated Competitive Advantage In Software House Industry Employees In Indonesia Triyani, Triyani; Usman, Bahtiar; Aseanty, Deasy
Asian Journal of Social and Humanities Vol. 2 No. 8 (2024): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i8.307

The purpose of this study is to find out the effect of organizational ambidexterity, innovation capability and leadership competencies on business peformance mediated competitive advantage. In order to maintain business continuity, the software house must be able to improve its business performance. While previous research identified factors that impact business performance in various sectors, this study focuses on how internal organizational factors are in the software house. This study uses a quantitative approach, where the variables to be observed are quantified through an operational definition process. Data of 540 respondents was collected from 18 large-scale software in Indonesia. There are 10 hypotheses developed and tested using structural equation modeling. The results showed that organizational ambidexterity, innovation capability and leadership competencies had a significant effect on business performance and competitive advantage showed a positive and significant mediation influence in the model. The results also provide specific measurement of competitive advantage in the software house industry, managerial implications and suggestions for further research.

Determinants of Stock Return: Financial, Behavioral, Macroeconomic, and ESG Factors with DER as Moderator Tjen, Yoel Christopher; Usman, Bahtiar; Mustafa, Matroji
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 5 (2025): Dinasti International Journal of Economics, Finance & Accounting (November - De
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i5.5306

This study investigates the determinants of stock returns using a panel dataset of 88 companies listed in the Kompas100 Index over the 2018–2022 period. Employing a Random Effects Model, the research incorporates financial variables, macroeconomic indicators, behavioral factors, ESG performance, and the moderating effect of the Debt-to-Equity Ratio (DER). The findings reveal that WACC, overconfidence, overreaction, ESG disclosure, and Price Sales ratio (PSR) significantly affect stock returns at the 10% level. Specifically, WACC and PSR exhibit a positive influence, while overconfidence, overreaction, and ESG disclosure have negative effects. In addition, the interaction term of DER with PSR positively influences stock returns, while its interaction with PBV shows a negative effect. Other variables such as ROA, ROE, PER, PBV, exchange rate, and interest rate were found to be statistically insignificant. The study demonstrates the importance of integrating behavioral and ESG factors along with capital structure considerations to better understand stock performance in the Indonesian capital market.

The Effect of Basel III Liquidity, Credit Risk, and Market Risk on the Profitability of Commercial Banks in Indonesia Mahisi, Pratisyara Puspa Widitha Narindra; Usman, Bahtiar
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4680

This study aims to analyze the effect of Basel III liquidity provisions, credit risk, and market risk on banking profitability in Indonesia. The global financial crisis has hit the banking world several times, showing that the fulfillment of capital requirements is not enough to make banks survive, so the Basel Committee on Banking Supervision initiated Basel III which added provisions regarding banking liquidity, namely Liquidity Coverage Ratio and Net Stable Funding Ratio. Previous research only discussed the effect of the Liquidity Coverage Ratio on banking profitability (Return on Assets and Net Interest Margin), with two control variables Equity to Assets Ratio and Bank Size. This study adds other independent variables of Basel III liquidity provisions (Net Stable Funding Ratio), credit risk (Non-Performing Loan), and market risk (Stock Return Risk). With a sample of 20 conventional banks listed on the IDX for the 5 years (2018-2022), 100 secondary data were obtained from each bank's website. The results of panel data regression with multiple regression analysis show that Net Stable Funding Ratio and Stock Return Risk only has a significant effect on Net Interest Margin; Non-Performing Loan and Bank Size have a significant effect on Return on Assets and Net Interest Margin; Equity to Assets Ratio only has a significant effect on Return on Assets; and Liquidity Coverage Ratio has insignificant effect on both Return on Assets and Net Interest Margin. This study provides implications for bank management and regulators to commit and supervise the NPL level low, and to provide support to increase bank assets.

Impact of Theory of Planned Behavior on Financial Satisfaction Based on Fintech Performance Rowena, Janny; Usman, Bahtiar; Lestari, Henny Setyo
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5712

The rapid development of financial technology (fintech) has significantly transformed the way individuals manage their financial activities, influencing not only their financial behaviors but also their overall financial satisfaction. Grounded in the Theory of Planned Behavior (TPB), this study aims to investigate the influence of behavioral factors including attitude attitude toward fintech, subjective norm on herding, perceived overconfidence on financial satisfaction based on fintech performance with intention to use fintech for investment as mediating variable. The study employs a quantitative research design using a survey method with a sample of 400 university students in Indonesia, representing the millennial and Generation Z demographic groups who are among the most active fintech users. Data were analyzed using Structural Equation Modeling (SEM) to test the hypothesized relationships among variables. The findings highlight that university students’ financial satisfaction in fintech investments is not solely determined by technological factors but by the interaction between attitude, social influence, confidence, and actual behavioral engagement. Positive attitudes and peer-driven norms enhance fintech adoption and satisfaction only when accompanied by meaningful usage and effective fintech performance. Conversely, overconfidence without competence may hinder satisfaction despite technological accessibility.

The Effect of Managerial Ownership, Research & Development, Financial Risk, and Investment on Firm Growth: The Mediating Role of Leverage in the Defense Systems Industry in Asia Azizah , Kumiko; Usman, Bahtiar; Mustafa, Matrodji
International Journal of Economics, Business and Innovation Research Vol. 5 No. 01 (2026): December - January, International Journal of Economics, Business and Innovatio
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i01.2739

This study examines the effects of managerial ownership, research and development (R&D), financial risk, and investment on firm growth in the Asian defense systems industry, with leverage serving as a mediating mechanism. The defense sector is characterized by heightened geopolitical exposure, persistent technological innovation requirements, and stringent risk governance, making the identification of firm-level growth drivers particularly critical(Gheorghe & Panazan, 2024).Using a balanced panel dataset of 74 defense systems firms operating across Asia over the observation period, this study applies panel data regression based on the Fixed Effects Model (FEM), complemented by mediation analysis to assess the indirect role of leverage(Sommet, 2025).The empirical findings indicate that managerial ownership and investment exert positive and statistically significant effects on firm growth. R&D intensity also demonstrates a positive association with firm growth, underscoring the strategic importance of innovation in sustaining competitive advantage within the defense industry(Nel et al., 2025). In contrast, financial risk does not show a significant impact on firm growth, suggesting the presence of effective risk management and institutional buffering mechanisms in defense firms. Moreover, leverage partially mediates the relationships between R&D and firm growth as well as between investment and firm growth, while its mediating role in other relationships is not statistically supported(Xia & Wei, 2025). This study offers novel empirical evidence by explicitly modeling leverage as an internal financial transmission mechanism linking innovation and investment to firm growth within a strategically regulated defense industry an aspect that remains underexplored in prior growth and capital structure literature(Wu et al., 2025). By focusing on Asian defense systems firms, this research extends existing evidence beyond conventional manufacturing or civilian high-technology sectors. The findings contribute to a more nuanced understanding of growth dynamics in defense-related industries and provide policy-relevant insights into ownership design, innovation financing, and financial governance under geopolitical constraints(Anderson & Luiz, 2025).

HALAL ATTITUDE AND VISIT INTENTION IN HALAL TOURISM IN INDONESIA Listiawati, Listiawati; Usman, Bahtiar; Pratomo, Luki Adiati
International Journal of Economy, Education and Entrepreneurship (IJE3) Vol. 5 No. 3 (2025): International Journal of Economy, Education and Entrepreneurship
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije3.v5i3.441

Despite Indonesia securing the top rank in the 2024 Global Muslim Travel Index (GMTI), the national halal tourism sector continues to face substantial challenges, including low halal certification penetration, limited prayer infrastructure, and information asymmetry. This study aims to analyze the influence of halal awareness, halal certification, and halal knowledge on visit intention, with halal attitude as a mediating variable. Adopting a quantitative approach through hypothesis testing, data were collected from 290 respondents across 11 provinces in Indonesia, representing a heterogeneous religious background (37.2% Muslim and 62.8% Non-Muslim). Data analysis was conducted to map causal relationships among variables and identify factors contributing to the intention-behavior gap in the tourism context. The results indicate that halal certification and halal knowledge have a positive and significant impact on halal attitude. However, halal awareness was found to have no significant effect, a result likely attributed to the diverse religious backgrounds of the respondents, which influenced cognitive perceptions of halal attributes. A crucial finding of this study reveals that halal attitude fails to mediate the relationship between the independent variables and visit intention. This phenomenon confirms the existence of an "attitude-behavior gap," where a positive attitude toward halal concepts does not automatically translate into tangible visit intentions. Future researchers are encouraged to integrate variables such as trust, religiosity, destination image, service quality, and halal-friendly facilities as mediators or moderators to strengthen competitiveness and the accuracy of tourist behavior models within Indonesia's halal tourism ecosystem

Boredom, Cyberloafing, Fairness, and Generation Y (Millennial) Performance in Indonesia’s Logistics Sector: The Mediating Role of Organizational Commitment Turnip, Dedianto; Usman, Bahtiar; Aseanty, Deasy; Silalahi, Andri Dayarana K.
Ilomata International Journal of Management Vol. 7 No. 2 (2026): April 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i2.2149

Introduction: This study examines whether job boredom, cyberloafing, and perceived organizational justice are associated with in-role performance among Generation Y (Millennial) employees in Indonesia’s logistics sector and whether organizational commitment mediates these relationships. Novelty: Prior Indonesian logistics studies have largely focused on younger cohorts and have rarely tested boredom, cyberloafing, and fairness simultaneously. This study tests the commitment-based mediation mechanism in a large multi-firm sample and evaluates competing interpretations of cyberloafing (withdrawal vs. short recovery). Methods: A cross-sectional survey was administered at the end of 2024 to non-managerial Generation Y employees (born 1981–1996) in eight logistics companies in Jakarta (n = 623). Measures used 5-point scales. Structural equation modeling (AMOS 23) was used to test direct and indirect effects. Results: Job boredom was negatively associated with organizational commitment and performance. Perceived organizational justice was positively associated with organizational commitment and showed a positive indirect association with performance through commitment. Cyberloafing (measured as frequency of non-work online activity at work) was not significantly associated with commitment or performance in the tested model. Organizational commitment was positively associated with performance and mediated the boredom–performance and justice–performance relationships. Conclusion: The results suggest that, in this setting, commitment is a more reliable pathway linking workplace experience to performance than cyberloafing. Practical implications should be interpreted cautiously given the cross-sectional and self-reported design.

Determinants of Bank Performance in Indonesia Usman, Bahtiar; Lestari, Henny Setyo
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 6 No 2 (2019): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v6i2.11282

This study aims to examine the determinants of commercial banks’ performances in Indonesia in the period 2008-2017 by their return on assets. Capital adequacy, asset quality, management efficiency and liquidity, and gross domestic product functioned as the predictors. The sample of this study was 25 conventional banks meeting the criteria of the purposive sampling method. The panel data with Eviews shows that asset quality has a negative effect and management efficiency has a positive impact on bank performance. Capital adequacy, liquidity, and gross domestic product growth rate do not affect the bank's performance. Managers need to tighten lending, carry out credit restructuring and manage the balance between assets and liabilities and, supervise credit.

DIGITALIZATION, BANKING COMPETITION, AND CREDIT RISK AS ANTECEDENTS OF BANK STABILITY MEDIATED BY PROFITABILITY: DIGITALIZATION, BANKING COMPETITION, AND CREDIT RISK AS ANTECEDENTS OF BANK STABILITY MEDIATED BY PROFITABILITY Hartini, Hartini; Leon, Farah Margaretha; Usman, Bahtiar
PENANOMICS: International Journal of Economics Vol. 4 No. 3 (2025): December
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penanomics.v4i3.280

This study aims to analyze the effects of digitalization, banking competition, and credit risk on bank stability, with profitability as a mediating variable in conventional banking in Indonesia. This study employs a quantitative research design using hypothesis testing to examine the relationships between independent and dependent variables. The sample is selected using purposive sampling, consisting of conventional banks, including state-owned banks, private banks, regional development banks, and foreign banks. The observation period covers quarterly data from the first quarter of 2019 to the second quarter of 2025. Using panel data, a total of 2,366 observations are obtained. The analytical method applied is panel regression. The results indicate that digitalization does not have a direct effect on bank stability, but it has a positive effect on profitability. Profitability is found to have a positive effect on bank stability and mediates the relationship between digitalization and stability. Banking competition positively affects bank stability but does not significantly influence profitability. Profitability does not mediate the relationship between competition and stability. Credit risk does not directly affect bank stability and does not significantly influence overall profitability. However, when examined through individual profitability measures, credit risk shows a positive effect on profitability. Furthermore, profitability does not mediate the relationship between credit risk and bank stability when measured in aggregate, but partial mediation is observed through specific profitability indicators. The findings suggest that digitalization should be positioned as a strategic tool to enhance profitability, which in turn strengthens bank stability. Banking competition needs to be effectively managed to maintain systemic stability, while credit risk remains a critical instrument in supporting profitability and ensuring long-term sustainability in the banking industry. Digitalization, Banking Competition, Profitability, Credit Risk, Bank Stability

Co-Authors Aditya Wardana, Aditya Adler Manurung Amalia, Wilma Annisa Annisa Aseanty, Deasy Atmaja, Ronaldo Ayu Ekasari Azizah , Kumiko Dian Hasanah Fahlevi, Raden Muhamad Rizza Fauziana, Eva Febria Nalurita Haritsman, Egi Haritsman, Egi Hariyadi, Hariyadi Hartini Hermanto Yaputra I Ketut Suyasa Kalambo, Yohanis Leon, Farah Margaretha Lestari, Henny Setyo Listiawati, Listiawati Lucy Warsindah Luki Adiati Pratomo Mahisi, Pratisyara Puspa Widitha Narindra Maulana, Tubagus Rama Mustafa, Matrodji Mustafa, Matroji Mutianingsih, Veronika Nurwanda Wardhayat, Darrel Oki Berliyanti, Dita Ramdhani, Rommy Mochamad Rosadi , Barkah Rosalina, Linda Rowena, Janny RR. Ella Evrita Hestiandari Sarfilianty Anggiani, Sarfilianty Silalahi, Andri Dayarana K. Sri Rejeki Syofriza Syofyan, Syofriza Tjen, Yoel Christopher Triyani Triyani Turnip, Dedianto Turnip, Jainal Abidin Valentina Happy Vanesa Wildan Wildan Willy Arafah Winiadi, Nicky Wulan Sari, Wulan Yohanis, Yohanis Yuwono, Daniel

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