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All Journal Jurnal Keuangan dan Perbankan Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Applied Economics International Journal of Local Economic Governance The International Journal of Accounting and Business Society Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ilmu Ekonomi dan Pembangunan Journal of Information Technology and Computer Science Journal of Innovation in Business and Economics J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Journal of Economics and Business Aseanomics Jurnal Pengabdian kepada Masyarakat Nusantara International Journal of Community Service International Journal of Accounting & Finance in Asia Pasific Journal of International Conference Proceedings Contemporary Studies in Economic, Finance and Banking (CSEFB)
Ghozali Maski
Fakultas Ekonomi Dan Bisnis Universitas Brawijaya
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Analisis Pengaruh Loan to Value, Jangka Waktu Kredit, Tingkat Pendapatan dan Jumlah Tanggungan Keluarga terhadap Keputusan Pemberian Kredit Pemilikan Rumah (Studi Kasus PT. Bank Pembangunan Daerah Jawa Timur Cabang Malang) Lasmarohana, Dona Nove; Maski, Ghozali
Jurnal Ilmiah Mahasiswa FEB Vol 3, No 1: Semester Ganjil 2014/2015
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh faktor-faktor internal nasabah terhadap keputusan bank dalam menyalurkan KPR. Faktor internal yang digunakan adalah Loan to Value, Jangka Waktu Kredit, Tingkat Pendapatan dan Jumlah Tanggungan Keluarga. Dalam penelitian ini menggunakan studi kasus Bank Jatim Cabang Malang sebagai bank milik pemerintah daerah. Hasil penelitian didapat bahwa Loan to Value merupakan faktor yang paling dominan mempengaruhi bank dalam memberikan KPR. Selain itu, Tingkat Pendapatan menjadi faktor kedua yang mempengaruhi bank dalam memberikan KPR sedangkan Jumlah Tanggungan Keluarga juga merupakan faktor pendukung yang mempengaruhi bank dalam memberikan KPR dan Jangka waktu tidak berpengaruh langsung terhadap keputusan bank dalam memberikan KPR. Dengan memperhatikan faktor-faktor tersebut diharapkan bank dapat meningkatkan aspek kehati-hatian bank dalam memberikan KPR. Kata kunci: Loan to Value, Jangka Waktu Kredit, Tingkat Pendapatan, Jumlah Tanggungan Keluarga, KPR
Analisis Potensi Contagion Effect Antar Indeks Pasar Modal di Kawasan Asia Sofa, Rulia; Maski, Ghozali
Jurnal Ilmiah Mahasiswa FEB Vol 3, No 2: Semester Genap 2014/2015
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Penelitian ini bertujuan untuk: (1) mengetahui bagaimana hubungan antar indeks   Nikkei 225, SSEC, STI,  KLSE dan  IHSG, dan  (2) mengetahui dari kelima indeks pasar modal  tersebut, pergerakan indeks pasar modal manakah yang memiliki pengaruh dominan. Penelitian ini menggunakan variabel indeks Nikkei 225, SSEC, STI, KLSE, dan IHSG yang diambil setiap akhir bulan dari bulan Juli 2008-September 2014. Penelitian ini menggunakan metode analisis Vector Error Correction Mechanism, Impulse Response Function, dan Variance Decomposition. Hasil penelitian didapat bahwa (1) semua indeks pasar modal Asia dalam jangka pendek tidak berpotensi menular (contagion effect) ke indeks Jepang, namun dalam jangka panjang hanya indeks Shanghai, Singapura, dan Indonesia yang berpotensi menular (contagion effect) ke indeks Jepang sedangkan indeks Malaysia tidak berpotensi menular (contagion effect) ke indeks Jepang. (2) semua indeks pasar modal Asia dalam jangka pendek tidak berpotensi menular (contagion effect) ke indeks Shanghai, namun dalam jangka panjang hanya indeks Jepang dan Indonesia yang berpotensi menular (contagion effect) ke indeks Shanghai sedangkan indeks Singapura dan Malaysia tidak berpotensi menular (contagion effect) ke indeks Shanghai. (3) terdapat potensi penularan (contagion effect) dalam jangka pendek ke pasar modal Singapura yaitu dari pasar modal Malaysia dan Shanghai, sementara dalam jangka panjang hanya indeks Jepang, Shanghai dan Indonesia yang berpotensi menular (contagion effect) ke indeks Singapura, sedangkan indeks Malaysia tidak berpotensi menular (contagion effect) ke indeks Singapura. (4) Semua indeks pasar modal Asia dalam jangka pendek tidak berpotensi menular (contagion effect) ke Indeks Malaysia, namun  dalam  jangka  panjang  semua  indeks  pasar  modal  Asia  tersebut  berpotensi menular (contagion effect) ke Indeks Malaysia. (5) terdapat potensi penularan (contagion effect) dalam jangka pendek ke pasar modal Indonesia, yaitu dari pasar modal Jepang dan Shanghai, namun dalam jangka panjang pasar modal Jepang, Shanghai, dan  Singapura saja  yang  berpotensi menular (contagion effect) ke Indonesia, sementara Malaysia tidak berpotensi menular (contagion effect) ke Indonesia. (6) indeks pasar modal Asia yang paling dominan untuk mempengaruhi indeks lain yaitu indeks Jepang (Nikkei 225).   Kata kunci: Globalisasi, Pasar Modal Asia, Keterbukaan Ekonomi, Contagion Effect, Shock.  
THE VALUE RELEVANCE OF EARNING MEASUREMENT USING OHLSON MODEL: A META-ANALYSIS Karyadi, Hari; Subroto, Bambang; Rahman, Aulia Fuad; Maski, Ghozali
The International Journal of Accounting and Business Society Vol 26, No 2 (2018): The International Journal of Accounting and Business Society
Publisher : Accounting Department,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.ijabs.2018.26.2.3

Abstract

The researchers of accounting information value relevance using Ohlson model had operationalized several earnings measurement proxies. The results of the studies indicated that the level of value relevance and significance influence of each proxy varied. This research aimed to combine this diversity and reveal which earnings measurement proxy has significant value relevance. Meta-analysis of 97 published studies using Ohlson model confirmed the significant relationship between earnings and equity market values. This significant relationship was found in the measurement proxy of abnormal earnings, extraordinary earnings before items, earnings per share and net income. Meta-analysis also found that for proxy net income measurement required investigation of moderating variables.
EFEKTIVITAS JALUR KREDIT DALAM MEKANISME TRANSMISI KEBIJAKAN MONETER DI INDONESIA Regina Mayo; Ghozali Maskie; Devanto Shasta Pratomo
Jurnal Keuangan dan Perbankan Vol 18, No 1 (2014): January 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (178.352 KB) | DOI: 10.26905/jkdp.v18i1.787

Abstract

Transmission mechanism of monetary policy had an important influence in determining the final target ofmonetary policy and also affected the business and economic activity with several channels namely interestrate, asset price channel, credit channel, exchange rate channel and expectations channel. The function ofchanel was as an intermediary of monetary policy that should be able to be influential for a long time, as wellas to anticipate the imperfect information and the possibility of adverse selection and misappropriation. It wasknown as credit channel. The purpose of this research was to explain which sector credit that contributedgreatly to inflation. To analyze data, this research used VECM with two indicators namely impulse responsefunction and variance decomposition to determine which sector credit was effective to explain inflation. Theresults showed several findings. Investment credit of trade, hotel and restaurant sector and working capitalcredit of mining and quarrying sector was effectively explaining inflation. The conclusion of this research wasinvestment credit of trade, hotel and restaurant sector and working capital credit of mining and quarryingsector gave great contribution to inflation
Implementasi Basel I terhadap Tata Kelola Permodalan dan Risiko Kredit Perbankan di Indonesia Ghozali Maski
Jurnal Aplikasi Manajemen Vol 9, No 3 (2011)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The capital was important to the banks as a buffer against possible losses. For this reason, in 1988 the Bank for International Settlements (BIS) issued a draft capital framework known as the 1988 Basel Accord (Basel I). The purpose of this investigation is to find out the impact of Basel I implementation on capital and credit risk of Indonesian banking over the 2000–2004 period. Based on previous studies, the impact of Basel I was performed by banking behaviour on target capital and target credit risk which is represented by two variable categories, they are bank-specific variable and macroeconomic variable. Bank-specific variables consist of the size of bank, a measure of its asset quality, a measure of its liquidity, and a measure of its profitability whether the macroeconomic condition is represented by the growth of GDP. This research uses a simultaneous equation to analyze adjustments in capital and credit risk. The result estimation of simultaneous equation, were provides evidence, that Basel I has no impact on banking capital and credit risk for well-capitalized banks. This implies that Basel I implementation can not influence banks to change their capital either to improve their credit risk portfolio.Keywords: Basel I, Capital, Credit Risk, and Portofolio.
INTELLECTUAL CAPITAL DAN KINERJA KEUANGAN PERBANKAN (PENDEKATAN DINAMIS PADA PANEL DATA) Ghozali Maski
Jurnal Keuangan dan Perbankan Vol 17, No 1 (2013): January 2013
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (178.669 KB) | DOI: 10.26905/jkdp.v17i1.733

Abstract

The performance of economic entities had been a research matter even in the ancient world. The genius humanhad been recognized as a vehicle for certain valuable capabilities and as the critic of transforming processes.But it had not been considered as an intellectual capitalizator or intellectual asset. The field for intellectualcapital and the related philosophy of knowledge management had risen recently to an interesting researchobject world wide. Value Added Intellectual Coefficient (VAIC) method and Rate of Growth IntellectualCapital (ROGIC) were applied in order to analyze the dynamic effect of Indonesia commercial banks for thefinancial period 2005 quarter 1 until 2008 quarter 4. It focused on banking financial performance both forcurrent period and the future. The research method was quantitative analysis and the sample were 22 banks byusing purposive sampling method. The method of estimation was dynamic model on panel data.The result ofthe study was all banks had relatively smaller capital employed efficiency than human and structural efficiencies.The long term effect had greater impact for return on asset and solvency ratio compared to the short termone. Average response time required for adjustment of return on asset was faster then solvency ratio.
Analisis Intellectual Capital dan Kinerja Keuangan Perbankan (Pendekatan Dinamis pada Panel Data) Ghozali Maski
Jurnal Aplikasi Manajemen Vol 8, No 3 (2010)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1273.966 KB)

Abstract

The performance of economic entities has been a research matter even in the ancient world. The human genius has been recognized as a vehicle for certain valueable capabilities and as the critical enabler of trnasforming processes. But it has not been considered as an intellectual capitalizator or intellectual asset. The field for intellectual capital and the related philosophy of knowledge management has a risen recently to an interesting research object world wide. Applies the Value Added Intellectual Coefficient method and Rate of Growth Intellectual Capital in order to analyze the dynamic effect of Indonesia commercail banks for the financial period 2005 quarter 1 untill 2008 quarter 4. Focuses in bnaking financial performance both for current period and the future. The research method is quantitative analysis and the sample size there are 22 banks by using purposive sampling method. The method of estimation is dynamic model on panel data. The result of the study are, as a whole all banks have relatively smaller capital employed efficiency than human and structural efficiencies. The long term effect has greater impact for Return on Asset and Solvency Ratio compare to the short term one. Average response time required for adjustment of Return on Asset is faster then Solvency Ratio.Key words: Value Added Intellectual Coefficient, Rate of Growth Intellectual Capital, Return on Asset, and Solvency Ratio
KAJIAN OPERASIONAL TEMPAT PELELANGAN IKAN (TPI) DAN KESEJAHTERAAN MASYARAKAT NELAYAN (Studi Kasus Desa Watukarung Kecamatan Pringkuku Kabupaten Pacitan) Eki Syafruddin; Ghozali Maskie; Yogi Pasca Pratama
Jurnal Ilmu Ekonomi dan Pembangunan Vol 14, No 2 (2014): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (174.929 KB) | DOI: 10.20961/jiep.v14i2.9882

Abstract

This study is motivated by great marine potential, but the condition of the fishing community is generally poor. This is a potential obstacle for fishing communities to encourage the dynamics of development in their region. Sub-district Pringkuku in 2008 has a total of 529 fishermen with 62.94 percent in the poor category. The purpose of this study is (1) to know the operational of Fish Auction Site (TPI) of Watukarung Village and (2) to know how the operation of Fish Auction Site (TPI) in improving the prosperity of local fishermen community. This study uses descriptive and qualitative methods. Methods of data collection by interviewing and documenting information from 11 informants who have roles in different economic interactions. The results of this study are (1) the operational of the fishermen depends on the interaction of the fishermen and the fisherman who are tied up with a unique profit-sharing system that is understood and obeyed by all parties, (2) The fish auction place (TPI) All stakeholders in TPI also influence the formation of the price of catch with auction system. Keywords: coastal, fish auction place, auction, welfareJEL Classifications: D44, 017, Q22
Fostering Inclusive Growth in Indonesia: Evidence from Panel Regression Analysis Della Hardyati Prabowo; Ghozali Maski; Dwi Budi Santoso
Journal of International Conference Proceedings (JICP) Vol 5, No 2 (2022): BEFIC Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v5i2.1680

Abstract

An inclusive development does not only rely on economic growth but also on the creation of equitable access to growth outcomes. Government spending has an important role in promoting efficiency and economic growth as well as equity. Meanwhile, financial inclusion is believed to be able to expand opportunities to contribute to growth. Previous studies have proven the influence of both on inclusive growth with varying results. This study aims to analyze the impact of government spending in the fields of health, education, economy, and social protection, as well as financial inclusion on inclusive growth. Using panel data from 34 provinces in Indonesia in 2015-2019, this study applies a random effects model. The results show that education spending and the level of financial inclusion can foster inclusive growth. This finding confirms that public investment in education will expand access to education to increase human capital and labor productivity, as well as competitiveness and wages, while the inclusiveness of financial services increases access to more affordable credit. On the other hand, economic spending has a negative impact on inclusive growth due to the development gap. Meanwhile, health and social protection spending have no impact on inclusive growth. The implication is that health and economic spending policies must be directed at ensuring people's access to more equitable economic opportunities. Monitoring and provision of a more active social assistance also needs to be improved. Keywords: Financial Inclusion, Government Spending, Inclusive Growth, Panel Regression
Determinants of Regional Owned Rural Banks Efficiency Level in Indonesia Irsyad Sirajuddin Bintar Madya; Ghozali Maskie; Nurul Badriyah
Journal of International Conference Proceedings (JICP) Vol 5, No 2 (2022): BEFIC Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v5i2.1689

Abstract

The efficiency level of regional owned rural banks is one of the determinants in measuring financial performance each year. In term of local government, the measurement of the level of efficiency can be used in determining strategic policies for the development of regional owned rural banks, especially in capital participation and collaboration with fintech lending. Measuring the level of efficiency with input and output variables with 160 regional owned rural banks in Indonesia in 2020 by purposive sampling with the Data Envelopment Analysis (DEA) method, 66 regional owned rural banks are found in efficient conditions. Analysis using logistic regression is used to analyze the tendency of the factors that determine the efficiency level of regional owned rural banks in Indonesia. This study found that Equity to Total Asset Ratio (EAR) and Total Assets had a positive and significant effect, while Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR) factor has no significant effect on the efficiency level of regional owned rural banks in Indonesia. Therefore, in improving the performance of regional owned rural banks in Indonesia, it is necessary to have the role of local governments in capital participation and discipline in the disbursement of funds selectively to debtors.Keywords: Regional Owned Rural Banks, Efficiency Level
Co-Authors Agustina Lastri Pangulu Alessandro, Andreas Amalia Rahmawati Amri, Muh Arif Arinda, Nila Asfi Manzilati Aulia Fuad Rahman Azriana, Fariza Hanum Bambang Subroto Beny Hendrawan Wahyuaji Berto Muharman Della Hardyati Prabowo Devanto Shasta Pratomo Devia SS, Vietha Dona Nove Lasmarohana Duyufur Rohman, Ghifary Dwi Budi Santoso Dyan Ari Iswanto Edvandry, Mohammad Reynaldy Amareza Eki Syafruddin Esha Najitama Farah Wulandari Pangestuty Ferry Prasetyia Galih Pratama Putra Halim Burhani Harafah, Wa Ode Uswatun Miladina Putri Herania, Elisabeth Irsyad Sirajuddin Bintar Madya Iswan Noor Karisma, Kautsari Anggun Karyadi, Hari Khusnul Ashar Kormitasari, Yenny Kresna Sakti, Rachmad Mochamad Fajar Hidayat Nur Shomita Hidayati Nurul Badriyah Oktanisa, Irvi Pinem, Angie Aurea Gustika Putri, Habibatuz Akbaricha Ramadhani, Novilia Regina Mayo Sofa, Rulia Sri Muljaningsih Umi Salamah Vietha Devia Wayan Firdaus Mahmudy Widarto, Farah Ashila Oktavianda Wijaya, Anorti Ika Wulandari Pangestuty, Farah Yogi Pasca Pratama, Yogi Pasca