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All Journal JURNAL ILMIAH MANAJEMEN & BISNIS Ilomata International Journal of Management International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) East Asian Journal of Multidisciplinary Research (EAJMR) Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) The Manager Reveiew Multifinance Journal of Finance Integration and Business Independence
Ridwan Nurazi
Universitas Bengkulu
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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EFEK CEO OVERCONFIDENCE TERHADAP PENGAMBILAN RISIKO LIKUIDITAS BANK KOMERSIL DI INDONESIA Darus Altin; Ridwan Nurazi; Fitri Santi; Syaiful Anwar
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 5 No. 1 (2022): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (305.315 KB) | DOI: 10.36085/jam-ekis.v5i1.2887

Abstract

This study proves the effect of CEO Overconfindence on liquidity risk taking of commercial banks in Indonesia. The sample used was 53 banks with observations of 1007 banks in Indonesia from 2000-2018. The banks in Indonesia are divided into four classifications of BUKU (Commercial Banks Based on Business Classification). The findings of this study prove that CEO Overconfidence has a positive effect on liquidity risk in BUKU 1 and BUKU 2 banks and the smaller bank size in terms of total assets makes CEOs tend to be overconfident and bolder in taking bank liquidity risks. Our study is important for the development of a liquidity risk-taking model for Indonesian banks. Keywords: CEO Overconfidence, LDR, BUKU
Likuiditas dan Leverage terhadap Nilai Perusahaan Dimediasi Profitabilitas: Eksplorasi Peran Financial Technology sebagai variabel Moderasi Intan Zoraya; Chairil Afandy; Ridwan Nurazi; Nia Herlina
JURNAL ILMIAH MANAJEMEN & BISNIS Vol 24, No 1 (2023): APRIL - SEPTEMBER 2023
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/jimb.v24i1.12419

Abstract

Purpose – This study aims to analyze the impact of liquidity and leverage on firm value mediated by profitability and explore the role of financial technology as a moderating variable on the effect of liquidity and leverage on profitability.Methodology – The population of this study are banks listed on the Indonesia Stock Exchange. The sampling technique in this study was purposive sampling, which obtained a sample size of 24 banks. The data collection method uses annual data documentation techniques (annual report), obtaining 144 data. The data analysis method in this study is moderated-mediation regression analysis.Findings – This study found that liquidity and leverage affect profitability. This study also reveals that liquidity affects firm value, while leverage has no effect on firm value. Furthermore, this study is able to explain that profitability mediates the effect of liquidity and leverage on firm value. An important result of this study is that financial technology is proven to moderate the effect of liquidity and leverage on profitability.Originality/Novelty – The complexity of this research model enriches the empirical study of the role of financial technology as a moderating influence of liquidity and leverage on firm value mediated by profitability.Implications – This research can practically provide guidance for banking companies to increase firm value by starting and/or increasing collaboration with fintech companies because it is an opportunity for companies to increase profitability. In addition, banks can also collaborate through investing in fintech companies or creating their own fintech services. 
Analysis Of The Online Performance Management System (Smk) Implementation In The Directorate Of Special Criminal Reserve Of The Bengkulu Regional Police Khoiril Akbar; Ridwan Nurazi; Slamet Widodo
The Manager Review Vol. 5 No. 1 (2023)
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/tmr.v5i1.29732

Abstract

The police online performance management system termed SMK is an electronic application to appraise work performances of the police officers in Indonesia. The system is to accommodate the reform policy made by the Indonesian National Police headquarter and have to implemented to all work units. The purpose of this study, therefore, is to describe the implementation of the police performance management system electronically consisted of the performance planning, performance monitoring, performance implementation, performance evaluation and submission of objections to the performance appraisal. The police officers who worked at the Directorate of Special Criminal Investigation in Bengkulu Regional Police headquarter were chosen as the subject for the study. A set of questionnaires was distributed to the subject as the respondents to collect information about their perceptions on the SMK implementation. Data gathered were analyzed using the descriptive statistics of mean, percentage, and frequency. The results indicate that systematically, the Directorate of Special Criminal Investigation followed the procedures of the performance appraisal very well on the five aspects assessed. However, practically, some procedures were missing. The aspect of performance planning was according to the procedure but from the indicators planned was written and formulated by the staff of each unit referred to the assessment indicators for the past period. The performance monitoring aspect was carried out from time to time, which was at the end of each semester. The implementing of the procedural assessment had been based on the assessment indicators in the form of generic factors and specific factors that have been agreed upon. The Evaluation of the performance appraisals, both the outstanding polices and the polices committing violations had been carried out in accordance with the rules. No one submitted the objections regarding the performance evaluation results. It needs a strong commitment to obey the rules. The implications and the suggestions are discussed. Keywords: Performance Management System, Performance Assessment, Directorate of Special Criminal Investigation, Regional Police
An Analysis of the Sustainability Performance of Indonesian Banks and Islamic Financial Institutions Using a Triple Bottom Line Model Yusmaniarti Yusmaniarti; Fitri Santi; Nurna Aziza; Husaini Husaini; Ridwan Nurazi; Fadli Fadli
East Asian Journal of Multidisciplinary Research Vol. 2 No. 11 (2023): November 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v2i11.6792

Abstract

The Triple Bottom Line-based Sustainability Performance model in Indonesian Islamic banks and financial institutions is the subject of this dissertation research. Using theoretical vantage points from resource dependency theory, interest theory, agency theory, institutional theory, and legitimacy theory, this study investigates the impact of Islamic Corporate Governance (ICG) on Corporate Sustainability Performance (SP), which employs Islamic corporate governance mechanisms. It primarily focuses on sharia board attributes and ownership structure. Regression analysis is done in this study using Eviews 10, and thirteen recommendations are made to enhance sustainability performance. By visiting each company's official website and the website www.idx.co.id, secondary data was gathered. 49 Islamic financial institutions that were registered with the OJK between 2016 and 2021 comprised the research sample of Indonesian Islamic banks and financial institutions. Data from financial reports were used for six years, making 294 total samples of data from the panel. This study will look at the characteristics of the Sharia Board (DS), which will be used as independent variables. The Corporate Sustainability variable will be used as a dependent variable, and the variables Independent Sharia Board, size of the Sharia Board, Sharia Board Meetings, Gender Diversity, and the existence of a sustainability committee and the application of AAOIFI standards will be used as proxies. The research results show that Indonesian Islamic corporate governance has a significant effect on sustainability performance, with Independent sharia boards, Gender diversity, and AAOIFI implementation being able to influence sustainability performance while size, board meetings, and sustainability committees do not influence the sustainability performance of Islamic banks and financial institutions in Indonesia. Institutional ownership is partially able to moderate the relationship between independent sharia boards, gender diversity and implementation with sustainability performance. Institutional ownership is unable to moderate the size of the sharia board, sharia board meetings and sustainability committee on sustainability performance. This research provides policy insights for policymakers, practitioners, and corporate boards to promote sustainable operations through Islamic corporate governance, adding to existing development plans to address sustainability-related issues. This research contributes to the literature by establishing a relationship between Islamic corporate governance and triple-bottom-line performance in Indonesian Islamic banks and financial institutions
Enterprise Risk Management, Capital Structure, Financial Performance, and Firm Value Hijroini Fajaryati; Ridwan Nurazi; Rini Andriani; Fadli
Journal of Finance Integration and Business Independence Vol. 2 No. 1 (2026): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v2i1.89

Abstract

This study analyzes the influence of Enterprise Risk Management (ERM) on capital structure, financial performance, and firm value in banking companies listed on the Indonesia Stock Exchange during 2017–2024. Using a quantitative approach, this study employs secondary data from annual reports, financial statements, IDX publications, OJK reports, and Bank Indonesia reports. Data were analyzed using Generalized Structured Component Analysis (GSCA) to test direct, indirect, and mediating effects. ERM is measured using a COSO-based disclosure index, capital structure is measured by DER and DAR, financial performance by ROA, ROE, and NIM, and firm value by Tobin’s Q. The results show that ERM has a positive and significant effect on capital structure, financial performance, and firm value. Capital structure negatively affects firm value, while financial performance does not significantly affect firm value. These findings indicate that ERM functions as a strategic value driver that strengthens risk governance, capital planning, and market confidence in Indonesian banking.
MANAGEMENT STRATEGIES FOR THE DEVELOPMENT OF MICRO ENTERPRISES IN NORTH BENGKULU DISTRICT Anjari Wahyu Wardhani; Liu Zeqing; Zhang Zhiquan; Ridwan Nurazi; Berto Usman
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.349

Abstract

The objective of this community service program (PKM) is to analyze management strategies for the development of micro-entrepreneurs in North Bengkulu Regency, with a focus on the promotion of QRIS (Quick Response Code Indonesian Standard) usage and the provision of Medium Business Credit (KUM) by Bank Bengkulu to support the growth of micro, small, and medium enterprises (MSMEs) in the region. The research employs lecture methods, interactive discussions, and simulation techniques to obtain a comprehensive understanding of business profiles, challenges faced, and the financial needs of MSMEs. The QRIS outreach initiative is conducted through various media and hands-on training sessions aimed at improving digital literacy and promoting the adoption of digital payment technologies among entrepreneurs. Additionally, management strategies are implemented to assist MSMEs in accessing Medium Business Credit provided by Bank Bengkulu. These strategies include business plan development, technical assistance, and financial management training. The results indicate that the use of QRIS enhances transaction efficiency and market access for MSMEs. Meanwhile, access to Medium Business Credit enables entrepreneurs to secure the capital needed for business expansion and increased production capacity. Strategic training and managerial assistance have proven effective in improving business management capabilities, which in turn enhance business performance and sustainability. Recommendations include expanding QRIS outreach programs, tailoring credit products to better suit MSME needs, and providing continuous management support to ensure stable and sustainable growth for MSMEs in North Bengkulu District.
The Influence of Environmental Performance, Social Performance, and Governance Performance on the Financial Performance of Banking Companies Listed on the Indonesia Stock Exchange Dewi Anggraini; Ridwan Nurazi; Fitri Santi; Berto Usman
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 9 (2026): AUGUST
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.23021569

Abstract

This study aims to analyze the influence of environmental performance , social performance , and governance performance on the financial performance of banking companies listed on the Indonesia Stock Exchange for the period 2013–2022. This study uses a quantitative approach with secondary data obtained from company annual reports, financial reports, and the Thomson Reuters Refinitiv Asset4 database. The research sample was determined using a purposive sampling technique , while data analysis was carried out using a panel data regression method using the EViews 10 application. The results showed that environmental performance did not have a significant effect on financial performance as proxied by financial performance with the Return on Assets (ROA) approach with a probability value of 0.2978. Social performance also did not have a significant effect on financial performance with a probability value of 0.8998. Similarly, governance performance did not have a significant effect on financial performance with a probability value of 0.4320. These findings indicate that the implementation of environmental, social, and governance aspects in banking companies has not been able to directly increase profitability during the study period. The benefits of implementing these three aspects tend to be long-term, through improved corporate reputation, stakeholder trust, and enhanced business sustainability. Therefore, they are not yet fully reflected in improved financial performance. This research implies that banking companies need to continue strengthening the implementation of sustainability practices as a long-term strategy, while investors need to consider ESG aspects in addition to profitability indicators when evaluating company performance.
Effects of Institutional Ownership, Independent Commissioners, and CSR Disclosure on ROA: the Moderating Role of Green Credit in Indonesian Conventional Banks Lia Oktavia; Chairil Afandy; Ridwan Nurazi; Intan Zoraya
Ilomata International Journal of Management Vol. 7 No. 4 (2026): October 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i4.2503

Abstract

Increasing commitment to sustainable finance has encouraged banks to strengthen corporate governance, improve the transparency of corporate social responsibility (CSR) disclosure, and expand environmentally responsible lending practices. Although previous studies have examined the associations of institutional ownership, independent commissioners, and CSR disclosure with financial performance, their findings remain mixed. Moreover, empirical evidence on the moderating role of green credit in these relationships remains limited, particularly among Indonesian conventional commercial banks. This study examines the associations of institutional ownership, independent commissioners, and CSR disclosure with bank financial performance and investigates the moderating role of green credit. Using a balanced panel dataset of 176 firm-year observations from 16 conventional commercial banks listed on the Indonesia Stock Exchange (IDX) during 2014–2024, the study employs the Fixed Effect Model (FEM) to examine the direct associations and Moderated Regression Analysis (MRA) to assess the moderating role of green credit. The findings show that institutional ownership (β = 0.028, p = 0.022), independent commissioners (β = 0.019, p = 0.037), and CSR disclosure (β = 0.022, p = 0.033) are positively and significantly associated with return on assets (ROA). Green credit also significantly moderates the associations of institutional ownership (β = 0.047, p = 0.019), independent commissioners (β = 0.039, p = 0.027), and CSR disclosure (β = 0.062, p = 0.008) with ROA. The inclusion of green credit and its interaction terms increases the model's explanatory power from R² = 0.45 to R² = 0.61. These findings provide empirical evidence that governance mechanisms, CSR disclosure, and green credit are associated with bank financial performance and extend the application of Agency Theory and Stakeholder Theory within the sustainable finance context. The findings also offer practical considerations for regulators, policymakers, and bank managers regarding governance quality, CSR disclosure, and the development of green financing practices.
Co-Authors Anjari Wahyu Wardhani Berto Usman Chairil Afandy Darus Altin Dewi Anggraini Fadli Fadli Fitri Santi Hijroini Fajaryati Husaini Husaini Intan Zoraya Intan Zoraya Khoiril Akbar Lia Oktavia Liu Zeqing Nia Herlina Nurna Aziza Purwoko, Agus Rini Andriani Slamet Widodo Yusmaniarti Zhang Zhiquan