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Financial Technology dan Kredit Bank Umum Konvensional di Indonesia Sahdan Saputra; Stevany Hanalyna Dethan; Ridha Nurul Hayati; Baiq Rabiatu Adawiyah Kartika Wulan
Target : Jurnal Manajemen Bisnis Vol 4 No 2 (2022)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/target.v4i2.2650

Abstract

This study analyzes the impact of FinTech on the number of conventional commercial bank loans in Indonesia. This study used a sample of 40 conventional commercial banks in Indonesia listed on the Indonesia Stock Exchange for the 2016-2021 period. The number of observations in the study was 240. FinTech is measured using P2P Lending and FinTech companies are measured using the growth period of FinTech companies. The results of the research based on the regression test using the Fixed effects model, this study proves that P2P lending and the growth of FinTech companies have a positive and significant effect on the amount of lending to Conventional Commercial Banks in Indonesia. This means that the greater the P2P lending disbursed by FinTech companies and the higher the growth of FinTech companies, it will have an impact on increasing the number of conventional commercial bank loans in Indonesia. One of the important variables not examined in this study is payments made online. Therefore, further research can expand research with the same theme by presenting online payment variables.
FINTECH, PROFITABILITAS DAN EFISIENSI BANK UMUM KONVENSIONAL DI INDONESIA Sahdan Saputra; Rina Komala; R. Ayu Ida Aryani
JURNAL AKUNTANSI DAN SISTEM INFORMASI Vol 4 No 2 (2023): JURNAL AKUNTANSI DAN SISTEM INFORMASI
Publisher : Program Studi Akuntansi Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jaksi.v4i2.5523

Abstract

Tujuan penelitian ini adalah menganalisis dampak financial technology (FinTech) terhadap profitabilitas bank dan peran efisiensi bank dalam memitigasi dampak FinTech terhadap profitabilitas. Sampel sebanyak 40 bank umum tradisional yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2016-2021 digunakan untuk penelitian ini. Dalam analisis ini, FinTech diukur dengan volume transaksi pinjaman P2P yang dilakukan oleh perusahaan FinTech, profitabilitas diukur dengan return on equity (ROA), dan efisiensi perbankan diukur dengan net interest margin (NIM). Hasil penelitian menunjukkan bahwa FinTech berpengaruh negatif dan signifikan terhadap profitabilitas. Selain itu, penelitian ini menunjukkan bahwa efisiensi bank memitigasi dampak negatif FinTech terhadap profitabilitas bank. Hasil penelitian ini menunjukkan bahwa tingkat efisiensi bank berperan strategis dalam meredam dampak FinTech sebagai pesaing yang dapat menurunkan profitabilitas bank.
Economic Policy Uncertainty and Bank Credit Growth in Indonesia Sahdan Saputra; Wira Hendri
Journal of Theoretical and Applied Management (Jurnal Manajemen Teori dan Terapan) Vol. 17 No. 1 (2024)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v17i1.51312

Abstract

Objective: This study examines the influence of economic policy uncertainty in countries with the largest capital investments in Indonesia, such as Singapore, China, Hong Kong, Japan, the United States, Korea, and the United Kingdom, on the credit growth of commercial banks in Indonesia. Design/Methods/Approach: The sample of this study is all commercial banks in Indonesia from January 2011 to December 2022. This study uses a quantitative approach, using monthly aggregate data on credit growth of commercial banks in Indonesia and economic policy uncertainty data for each country. Hence, the number of observations in this study amounts to 144. This study uses multiple linear regression with the EViews 12 analysis tool. Findings: The findings in this study show that the influence of economic policy uncertainty in the country with the largest capital investment in Indonesia has various influences. Of the several countries that were observed in the study, Japan was one of the countries that had a significant negative impact on the growth of commercial bank credit in Indonesia. Originality/Value: This study complements several previous studies regarding the impact of economic policy uncertainty on Indonesia's micro and macro economy. Studies regarding the impact of economic policy uncertainty on Indonesia's banking credit growth are still limited. Practical/Policy implication: The findings of this study can be used as a reference for banking managers when making decisions such as credit portfolio diversification. By spreading exposure to various sectors and industries, banks can reduce risks related to economic uncertainty in specific sectors. Banking managers need to design products and services that are more creative and adaptive to help banks remain competitive and attract customer interest amidst an uncertain economic situation.  
Geopolitical Risk & Indonesian Stock Market Response Sahdan Saputra; Ega Dwi Putri Marswandi; Wira Hendri
Jurnal Ecoment Global Vol. 8 No. 3 (2023): Edisi Desember 2023
Publisher : Universitas Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jeg.v8i3.3486

Abstract

Objective: The aim of this research is to determine empirically the impact of geopolitical risk originating from countries with high geopolitical risk and domestic ones on the Composite Stock Price Index in Indonesia. In addition, this research aims to determine the role of geopolitical actions in strengthening or weakening the relationship between geopolitical risk and the Composite Stock Price Index in Indonesia. Design/Methods/Approach: This research uses geopolitical risk index (GPRH) data from countries with the highest geopolitical risk index in the last 3 years and domestic ones consisting of Ukraine, Russia, America, China and Indonesia. Meanwhile, geopolitical action risk (GPRA) is a risk index measured in aggregate from January 2004-October 2023, so the number of observations in this study reached 238. Findings: The findings in the research show that Ukraine and America have a negative and significant influence, while China and Russia have a positive and significant impact on the composite stock price index in Indonesia. Apart from that, this research also found that the influence of geopolitical risk on the composite stock price index in Indonesia is greater when geopolitical actions such as escalation of war and acts of terror occur.   Originality/Value: This research complements several previous studies regarding the impact of geopolitical risk on the Indonesian composite stock price index. Several previous studies have not examined the impact of each country's geopolitical risk on the composite stock price index and how it is moderated by geopolitical action. Practical/Policy implication: The findings in this research prove that countries that have high geopolitical risk have a significant influence on the Composite Stock Price Index in Indonesia. So that investors can use this research as a consideration when investing in the capital market by considering geopolitical risks originating from abroad and domestically.
Meningkatkan Kemampuan Basic Grammar (Personal Pronoun) Menggunakan Metode menciptakan Lirik Lagu Rosidah Alawiyah; Wiya Suktiningsih; Nur Alfilail; Wiwik Wida Farwati; Sahdan Saputra
Jurnal Pengabdian Kepada Masyarakat IPTEKS Vol. 1 No. 2 (2024)
Publisher : Rajawali media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to enhance English grammar learning among high school students by utilizing songs as an educational tool. The study addresses the issues of low motivation and the challenges students face in learning English grammar, often attributed to monotonous and non-contextual teaching methods. Conducted at SMAN 1 Gerung, West Lombok Regency, this community service activity involved a team of lecturers from Bumigora University. The methodology comprised planning, implementation, and evaluation phases. During the implementation stage, learning materials were presented using PowerPoint, followed by creating song lyrics from the studied sentences. Evaluations revealed improved student understanding of basic grammar, a more enjoyable learning environment, and increased motivation. These findings suggest that incorporating songs into grammar instruction can enhance learning effectiveness and boost student motivation.
Meningkatkan Kemampuan Basic Grammar (Personal Pronoun) Menggunakan Metode menciptakan Lirik Lagu Rosidah Alawiyah; Wiya Suktiningsih; Nur Alfilail; Wiwik Wida Farwati; Sahdan Saputra
Jurnal Pengabdian kepada Masyarakat IPTEKS Vol. 1 No. 2 (2024)
Publisher : Rajawali Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to enhance English grammar learning among high school students by utilizing songs as an educational tool. The study addresses the issues of low motivation and the challenges students face in learning English grammar, often attributed to monotonous and non-contextual teaching methods. Conducted at SMAN 1 Gerung, West Lombok Regency, this community service activity involved a team of lecturers from Bumigora University. The methodology comprised planning, implementation, and evaluation phases. During the implementation stage, learning materials were presented using PowerPoint, followed by creating song lyrics from the studied sentences. Evaluations revealed improved student understanding of basic grammar, a more enjoyable learning environment, and increased motivation. These findings suggest that incorporating songs into grammar instruction can enhance learning effectiveness and boost student motivation.
Pelatihan Pengolahan Data Statistik Dengan Eviews Pada Mahasiswa Manajemen Universitas Bumigora Sahdan Saputra; Heri Sopian Hadi
Jurnal Pengabdian kepada Masyarakat IPTEKS Vol. 1 No. 2 (2024)
Publisher : Rajawali Media Utama

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Abstract

The EViews program training aims to enhance the quality of scientific work by management students at Bumigora University through mastering statistical data analysis. This community service activity is structured, including preparation, implementation, and evaluation stages. The preparation phase involves identifying participants' needs, developing the curriculum, and preparing training materials. During implementation, participants receive a basic understanding of statistical theory, demonstrations on using EViews, and hands-on practice with relevant case studies. Evaluation is conducted to assess participants' knowledge and skills through tests, project assessments, and feedback collection. The evaluation results indicate that the training successfully improved participants' ability to use EViews for data analysis, positively impacting the quality of their scientific work. Feedback from participants also suggests that the training is relevant to their academic needs and highly beneficial in overcoming challenges in statistical data processing. In conclusion, this EViews training effectively enhances students' competence in statistical data analysis and is expected to be implemented continuously to support students' academic and research activities in the future.
Investor Sentiment, Market Volatility, and IPO Initial Returns Soeroto, Wisudanto Mas; Saputra, Sahdan; Arifin, Vanesa Aristanti; Hasina, Zahwaril; Putri, Tri Veny
Jurnal Keuangan dan Perbankan Vol 25, No 4 (2021): October 2021
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v25i4.6119

Abstract

This research seeks to determine the impact of investor sentiment and market volatility on IPO initial return when an issuer conducts an Initial Public Offering (IPO). This research lasted ten years, from 2009 to 2020, with a total issuer of 237 conducting Initial Public Offerings (IPOs) on the Indonesia Stock Exchange. The total number of issuers conducting an initial public offering (IPO) met the purposive sampling criteria is 285. Multiple linear regression analysis, with control variables such as Gap of Days, Firm Age, IPO Size, and Firm Size, is used to determine the effect of Investor Sentiment and Market Volatility on IPO Initial Returns. The findings showed that Investor Sentiment and Market Volatility positively affected the IPO Initial Return during the study period. This research aims to increase investor awareness of the importance of IPO stock price, increasing the initial return in the future. In Indonesia, Otoritas Jasa Keuangan (OJK) plays a critical role in policies that facilitate Indonesian investors' monitoring of the volatility of stock price changes in the market.JEL: M2, M21
AKUNTANSI RUMAH TANGGA: IMPLEMENTASI LAPORAN KEUANGAN SEBAGAI INFORMASI YANG BERGUNA UNTUK PENGAMBILAN KEPUTUSAN EKONOMIS PADA SISWI MA TARBIYATUL MUSTAFID 2024 Ihyani, Layali; Mubin, Miftahul; Marswandi, Ega Dwi Putri; Marlina, Febria Nurmelia; Saputra, Sahdan; Aryani, R. Ayu Ida
Jurnal Pepadu Vol 5 No 4 (2024): Jurnal PEPADU
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/pepadu.v5i4.5801

Abstract

Tujuan dari kegiatan pelatihan dan pengabdian pada masyarakat ini adalah dapat meningkatkan pemahaman serta penerapan dari penggunaan laporan keuangan sebagai dasar informasi dalam pengambilan keputusan ekonomis sehari-hari dalam rumah tangga keluarga khususnya pada siswi Madrasah Aliyah Tarbiyatul Mustafid. Materi pelatihan terdiri dari materi terkait konsep dasar akuntansi serta contoh praktek penggunaan dalam kehidupan sehari-hari dengan memanfaatkan aplikasi excel dalam penyusunan laporan keuangan yang berfokus pada laporan keuangan laba rugi. Kegiatan ini dilaksanakan pada hari Ahad, tanggal 17 November tahun 2024 di Gedung Madrasah Aliyah Tarbiyatul Mustaifd Batu Rimpang, Desa Badrain, Kecamatan Narmada, Kabupaten Lombok Barat. Hasil pelatihan menunjukkan bahwa peserta memiliki literasi akuntansi dasar, baik dari siklus akuntansi yaitu Pencatatan Transaksi ke dalam ayat Jurnal, kemudian memposting ke dalam Buku Besar, penyusunan Neraca Saldo, Penyesuaian, Kertas Kerja, hingga penyususnan Laporan Keuangan dengan menggunakan aplikasi excel. Serta, hasil dari proses penyusunan laporan keuangan dapat dijadikan bahan informasi yang berguna bagi para peserta dalam proses pengambilan keputusan ekonomis dalam kehidupan sehari-hari dalam keluarga.
Dampak Komitmen Organisasi Terhadap Ketepatan Waktu Pelaporan Keuangan: Peran Sistem Akuntansi Keuangan Daerah Sebagai Variabel Moderasi Ihyani, Layali; Saputra, Sahdan; Mubin, Miftahul; Marlina, Febria Nurmelia; Marswandi, Ega Dwi Putri
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol. 10 No. 4 (2024): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jseh.v10i4.677

Abstract

This study aims to determine the effect of Organizational Commitment on Timeliness of Financial Reporting with the Regional Financial Accounting System as Moderation. This research is a correlational quantitative study with a sample size of 90 respondents at the Regional Apparatus Organization of the West Nusa Tenggara Provincial Government. The data analysis method uses moderated regression analysis (MRA). The results stated that organizational commitment affects the timeliness of financial reporting significantly positively. However, the regional financial accounting system does not interact with organizational commitment to affect the timeliness of financial reporting. This is an input for stakeholders in terms of financial reporting both at the provincial and central levels.