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All Journal Jurnal Keuangan dan Perbankan JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Manajemen Teori dan Terapan JDE (Journal of Developing Economies) JEMPER (Jurnal Ekonomi Manajemen Perbankan) Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Target : Jurnal Manajemen Bisnis ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship J-AKSI : JURNAL AKUNTANSI DAN SISTEM INFORMASI Jurnal Genesis Indonesia Jurnal Pengabdian Pada Masyarakat Jurnal Pepadu Journal of Artificial Intelligence and Digital Business Jurnal Ilmiah Pengabdian dan Inovasi JUAN: Jurnal Pengabdian Nusantara Income : Digital Business Journal Jurnal Pengabdian Pada Masyarakat IPTEKS
Saputra, Sahdan
Ilmu Komputer, Universitas Bumigora
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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.
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. 
FINTECH, PROFITABILITAS DAN EFISIENSI BANK UMUM KONVENSIONAL DI INDONESIA Saputra, Sahdan; Komala, Rina; Aryani, R. Ayu Ida
JURNAL AKUNTANSI DAN SISTEM INFORMASI Vol 4 No 2 (2023): Edisi Juni 2023
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.
Sosialisasi Hukum Tentang Dampak Pernikahan Usia Dini Terhadap Tingkat Perceraian Dimasa Pandemi Covid 19 di Lombok, NTB opan, opansatriamandala; Zubaedi; Sakti, Lanang; Saputra, Sahdan; Hayati, Ridha Nurul; Aprianto, Dedi
Al-Madani: Jurnal Pengabdian Pada MAsyarakat Vol 1 No 2 (2022): Desember: Al-Madani (Jurnal Pengabdian Pada Masyarakat)
Publisher : Institut Agama Islam Hamzanwadi NW Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.653 KB) | DOI: 10.37216/al-madani.v1i2.859

Abstract

The number of early marriages in Indonesia has increased dramatically during the Covid-19 pandemic even though the law in Indonesia has regulated the minimum age limit for marriage is 19 years, as stipulated in Law Number 16 of 2019 concerning Amendments to Law Number 1 of 1974. Someone who marries below the limit This age is classified as early marriage. Early marriage is a marriage that is carried out legally by a man or woman who has not had the preparation and maturity so that it is feared that they will experience a number of big risks. This big risk will even be an influence in terms of health during childbirth. This service aims to increase knowledge, understanding and awareness about the factors that lead to early marriage and the impact of early marriage on divorce rates during Covid 19. This service uses the Normative Law method. The approach used is a statutory approach, a conceptual approach and a historical approach. Based on the results of this service, it shows that the factors that cause early marriage are education, family economy, avoiding pregnancies outside of marriage, social media, school closures and the Covid 19 factor and the impact of early marriage on the divorce rate during the Covid 19 era is marriage. Early childhood has a number of negative impacts, especially for women, such as reproductive health and the economy. However, the number actually increased in Indonesia during the Covid-19 pandemic. The number of women marry early correlates with divorce.
Risiko Geopolitik dan Indeks Harga Saham Gabungan Indonesia Saputra, Sahdan; Marswandi, Ega Dwi Putri; Hendri, Wira
Jurnal Ekonomi Manajemen Perbankan Vol 6 No 2 (2024): JEMPER Juli - Desember
Publisher : Prodi Manajemen S1 dan D3 Keuangan & Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32897/jemper.v6i2.3051

Abstract

The escalating global geopolitical tensions have garnered significant attention from researchers and practitioners. This study investigates the impact of domestic geopolitical risks and the influence of countries with the highest geopolitical index, namely Ukraine, America, Russia, and China, on the Indonesian composite stock price index. Employing geopolitical risk index (GPRH) and geopolitical action (GPRA) data spanning from January 2004 to October 2023, the analysis is based on 238 observations. The findings reveal that Ukraine and America exert a negative and significant influence, while China and Russia demonstrate a positive and significant impact on the index. Moreover, the study underscores that the influence of geopolitical risk on the Indonesian stock market is more pronounced during periods of heightened geopolitical activity, such as escalating conflicts and acts of terror. These results suggest that investors should carefully consider geopolitical risks when making investment decisions.
Integration of Indonesian Stock Market With Stock Market of The Highest Economic Countries Saputra, Sahdan; Hendri, Wira
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.v10i4.727

Abstract

This study aims to analyze the integration between the Indonesian stock market and the stock markets of the world's leading economies, including the United States, China, Japan, Germany, France, India, and Brazil. The approach employed is a quantitative one, using weekly data from 2016 to 2023, with a total of 418 observations. The analytical methods utilized are Johansen and Juselius co-integration to examine long-term integration and pair-wise Granger causality to assess short-term integration. The findings reveal no long-term integration between the Indonesian stock market and the stock markets of the world's leading economies. However, in the short term, the Indian stock market shows some degree of integration with the Indonesian stock market, while the stock markets of other countries do not exhibit such integration. This study contributes to the existing literature on stock market integration. Research on the integration of the Indonesian stock market with those of leading global economies remains limited, making this study an important reference. The findings provide valuable insights for both Indonesian investors and those from leading economies in formulating strategies for international portfolio diversification.
Determinants of Net Interest Margin in Conventional Commercial Banking: A Fixed Effect Model Safitri, Erika Zain; Zahrah, Zahrah; Saputra, Sahdan; Anwar, Mohammad Ziad
Target : Jurnal Manajemen Bisnis Vol 6 No 2 (2024): Target : Jurnal Manajemen Bisnis
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/target.v6i2.4816

Abstract

Banking is a business entity that collects funds from the public in the form of deposits and distributes them to the public in the form of loans and other services to improve the lives of many people. This study aims to analyze the influence of various factors such as capital adequacy, credit risk and bank size on the net interest margin of conventional banks in Indonesia. The method used in this study was associative quantitative, and secondary data in this study was obtained from the annual financial statements of several conventional banks in Indonesia during the period 2018-2022. Data analysis was conducted using panel data regression analysis to test the effect between independent variables consisting of capital adequacy ratio (CAR), non-performing loans (NPL), and bank size (Size) on net interest margin (NIM). The data was processed using E-Views 12. The results of this study indicate that only capital adequacy has a positive and insignificant effect on NIM, while NPL and bank size have a negative and significant effect on NIM. The findings of this study imply that in order to enhance NIM, companies can optimize CAR, thereby attaining optimal profits and minimizing investment risk. The results of this study also contribute as a reference and an overview of the factors that influence NIM in conventional commercial banks before investing.
Co-Authors AHMAD MURAD Alfilail, Nur Alpina Damayanti, Alpina Anggriani, Rini Arifin, Vanesa Aristanti Baiq Nadia Nirwana Baiq Rabiatu Adawiyah Kartika Wulan Dedi Aprianto Diswandi Ega Dwi Putri Marswandi Elyakim Nova Supriyedi Patty, Elyakim Nova Supriyedi Erin Ryantin Gunawan Febria Nurmelia Marlina Hadi, Heri Sopian Hasina, Zahwaril Komala, Rina Lalu Yayan Ardiansyah Lanang Sakti Layali Ihyani Memy Wardani Elthia Mohammad Ziad Anwar Mubin, Miftahul Muhsin, Lalu Busyairi Naro, Antonius M. K. Nur Alfilail opan, opansatriamandala Putri, Tri Veny Putri, Velmi Maya R. Ayu Ida Aryani Restu Alpiansah Ridha Nurul Hayati Rina Komala Rini Anggraini, Rini Rosidah Alawiyah Safitri, Erika Zain Setianingrum, Rifdha Ayu Dwi Sidharta, Raden Bagus Faizal Irany Stevany Hanalyna Dethan Syafira Mahfuzi Ardiyati Wangi, Baiq Larre Ginggit Sekar Widnyana, Ida Bagus Ari Wira Hendri Wisudanto Wisudanto Wiwik Wida Farwati Wiya Suktiningsih Zahrah, Zahrah Zubaedi